A service that offers a unique method of saving money to its users for a fee. In this service, users will elect to participate in one of three community-savings groups whose goal is to use each other's money to generate larger sums of money. In these groups, each member will pay a weekly "premium" of $50, $100, or $200. At the same time, one member is receiving the total amount of the premiums paid during that week. This continues until each member receives their payout. There are typically no more than 52 members per community savings group, meaning this group will take a full year before each member receives their payout. An example: John Smith uses our service, and joins under the $200 weekly premium. The group John Smith joined has 52 members. John was the 12th member to join and will receive his payout on the 12th week. When it arrives, John will receive his payout, which is the weekly premium multiplied by the number of members in the group. In this case, the payout is $10,400