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Heart of Indiana United Way Inc at a glanceMostly funded, not a grantmaker: see who funds it →

· Public charity

Heart of Indiana United Way Inc

Heart of indiana united way improves lives by mobilizing the caring power of our communities while creating a culture of giving, advocating, and volunteering.

$695k
Granted FY2025still arriving
37
Grants FY2025still arriving
1
States reached
$69k
Largest
01What it fundsRead
02The needRead
03Its granteesRead
04Its fieldRead
01What it funds
01100% classified

What it funded, over time

Every grant placed by its stated purpose and the recipient’s mission, by year, FY2017 to 2025.

Human Services$3.3MHousing & Shelter$1.5MYouth Development$668kEducation$562kFood & Nutrition$514kPhilanthropy$502kHealth$376kReligion$312kOther$0
02FY2025 · 37 grants

Where the money goes

Grants by size, and the largest recipients.

How this is measured
The 37 grants below total $626,000, the rows itemized in this filing. The $694,735 headline is the total grant expense on the return; the other $68,735 is giving the schedule does not break out (grants under the $5,000 itemization floor, grants to individuals, grants on other schedules). Every figure below describes the itemized rows only.

By grant size · FY2025

  • Under $10k6 grants · $42k
  • $10k–50k30 grants · $515k
  • $50k–250k1 grant · $69k
$13,200
Median grant
1
States reached
$5.5M
Total assets
Largest grants
RecipientAmount
PATHSTONE HOUSING CORP$69,200
HUFFER MEMORIAL CHILDREN'S CENTER$35,000
UNITED DAYCARE CENTER$35,000
BEV'S KINDERGARTEN PREP$35,000
THE GATHERING OF THE QUEENS$30,000
ROSS COMMUNITY CENTER$25,200
YWCA OF CENTRAL INDIANA$22,000
ANDERSON IMPACT CENTER$20,000
MUNCIE P3 - BALL STATE UNIVERSITY FOUNDATION$20,000
PRECIOUS HEARTS DEVELOPMENT CENTER$20,000
WHITELY COMMUNITY COUNCIL$20,000
GRACE HORIZON (STRIPPED LOVE)$19,200
MOTIVATE OUR MINDS INC$15,000
THE SHELTER$15,000
URBAN LIGHT CDC$15,000
02The need
03

Does the money reach high-need areas?

Each grant placed by the hardship in its grantee’s ZIP, against the area’s typical level.

show:

Its human-services grants (FY17–25, $845k) land where the poverty rate runs at 17%, against an area that typically sits at 14%. 99% of those dollars go to grantees based in above-average-need neighborhoods. Most of its grants land in higher-need ZIPs.

area typical 14%JAY-RANDOLPH DEVELOPMENTAL SERVICES: $8k → 14%STRIPPED LOVE (GRACE HORIZON): $25k → 15%FIREFLY CHILDREN AND FAMILY ALLIANCE: $85k → 16%GRACE HORIZON (STRIPPED LOVE): $24k → 15%CHILDRENS BUREAU: $73k → 16%GRACE HORIZON (STRIPPED LOVE): $23k → 15%FIREFLY CHILDREN AND FAMILY ALLIANCE: $68k → 16%GRACE HORIZON (STRIPPED LOVE): $19k → 15%CHILDRENS BUREAU: $24k → 16%FIREFLY CHILDREN AND FAMILY ALLIANCE: $12k → 16%CANCER SERVICES FOR RANDOLPH COUNTY: $5k → 15%FIREFLY CHILDREN AND FAMILY ALLIANCE: $12k → 16%COMMUNITY HELP CENTER OF UNION CITY: $10k → 15%COMMUNITY HELP CENTER OF UNION CITY: $5k → 15%YWCA: $30k → 19%YWCA: $28k → 19%THE GATHERING OF THE QUEENS: $30k → 15%YWCA: $27k → 19%THE GATHERING OF THE QUEENS: $30k → 15%MUNCIE OUTREACH: $25k → 19%YWCA: $22k → 19%YWCA OF CENTRAL INDIANA: $22k → 19%YWCA OF CENTRAL INDIANA: $22k → 19%MUNCIE OUTREACH: $21k → 19%YWCA: $20k → 19%MUNCIE OUTREACH: $8k → 19%MUNCIE OUTREACH: $8k → 19%LIFESTREAM SERVICES: $30k → 19%YWCA: $6k → 19%LIFESTREAM SERVICES: $30k → 19%LIFESTREAM SERVICES: $30k → 19%LIFESTREAM SERVICES: $26k → 19%PRECIOUS HEARTS DEVELOPMENT CENTER: $20k → 19%PRECIOUS HEARTS DEVELOPMENT CENTER: $20k → 19%0%20%40%50%more need →
grant to an above-average-need area below average· circle size = grant amount
How this is measured
Matched: human-services grants are those whose grantee’s IRS cause code is Human Services. Placed by people below the poverty line in the grantee’s ZIP, averaged from the tracts in that ZIP.
How this is measured
US grants placed by each grantee’s ZIP, which can differ from where services are delivered. Need from public data (U.S. Census/ACS, CDC PLACES, Eviction Lab, USDA), shown as context about the area, never attributed to the funder’s giving.
03Its grantees
repeat funding

Who it funds again

Organizations funded in more than one year, against those funded once.

95%of every dollar goes to organizations it has funded before.
$7.4M · 52 repeat orgs$380k to everyone else

Grantees it renews have grown median revenue +22% since the first grant, against 0% for those funded once.

52 repeat relationships: 36 still active in FY2025, 16 since wound down.

How the two cohorts compare

Re-uppedFunded once

Organizations

52
23

Total granted

$7.4M
$380k

Median revenue growth · since first grant

+22%
0%

Still filing today

87%
39%

New vs renewed · share of each year

In FY2025, 100% of grant dollars renewed an existing relationship; $0 went to new ones.

50%100%’17’19’20’21’22’23’24’25
RenewedFirst-time

Where new relationships form · theme of each grantee’s first grant

’17’19’20’21’22’23’24’25
Human ServicesEducationHousing & ShelterHealthCommunity ImprovementFood & NutritionOther
How this is measured
First-time means a grantee’s first year in the filing window; renewed means funded in an earlier year too. The renewed share climbs naturally as a portfolio matures, so the signal is a year that bucks it (a wave of new grantees). The earliest year is left-censored: relationships that predate the data read as new. Theme is the grantee’s IRS cause.

Backed again, and grew

  • PC
    PATHSTONE CORPORATION
    8× · 2017–2025 · $893k · revenue +59%
  • UD
    UNITED DAY CARE CENTER
    8× · 2017–2025 · $540k · revenue +46%
  • YM
    YOUNG MEN'S CHRISTIAN ASSOCIATION OF MUNCIE INDIANA INC
    6× · 2017–2023 · $527k · revenue +93%

Funded once

  • MP
    MADISON PARK CHURCH
    one grant, 2022 · $65k
  • MP
    MADISON PARK CHURCH OF GOD
    one grant, 2023 · $55k
  • RC
    ROY C BULEY COMMUNITY CENTER INC
    one grant, 2017 · $31k
How this is measured

Repeat means funded in two or more distinct years. Growth and survival are read from each grantee’s own subsequent IRS filings.

04Its field

Closest unfunded matches

The nonprofits that most resemble its grantees but are not funded by it, scored along the direction from the rest of the field toward the portfolio. A resemblance in what they say they do, not a recommendation.

1
Indiana Dream Center Inc

To provide a christ centered shelter to meet basic needs of housing, clothing, food, emotional and spirtitual needs.

Housing & Shelter
2
Indiana County Community Action Program

Provide resources for low income clients.

Human Services
3
Community Center of Hope Inc

Identify, organize and facilitate programs and services for improving the quality of life of hope, indiana and the surrounding area.

Recreation & Sports
4
Fair Housing Center of Central Indiana Inc

The mission of the fair housing center of central indiana (fhcci) is to facilitate open housing for all people by ensuring the availability of affordable and accessible housing; promoting housing choice and homeownership; advocating for an…

Housing & Shelter
5
Indiana Co Child Day Care Program

Teaming with families to provide high quality child care and education services for all children.

Human Services
6
Community Action of East Central Indiana

To provide education and assistance to low income, disadvantaged individuals and children.

Human Services
7
Muncie-Delaware County Chamber of Commerce

To be an action-oriented, visionary organization which will stimulate progress, foster economic growth and enhance individual opportunity to achieve a high quality of life for everyone.

—
8
Hoosier Families Inc

Hoosier Families is a non-profit organization that provides Community Based programs for Indiana children and families. Hoosier Families is committed to utilizing evidence-based practices to strengthen, rebuild and reunite the individuals…

Human Services
9
Community Care in Union County Inc Community Care in Union County Inc

Provide child care and supporting family services to families in union county, indiana.

Community Improvement
10
Louisville Central Community Centerinc

Provides community service(family counseling & day care) to the inner of louisville.

Recreation & Sports
11
New Hope Services Inc

Provide services in response to individual need

Human Services
12
Hope Community Development Corporation of Indiana

The mission of The Hope Community Development Corporation is to develop faith, caring, and sustainable neighborhoods through quality affordable housing and diverse supportive services for residents

Housing & Shelter
How this is measured
The grantee most central to the portfolio’s shape is Muncie Mission Ministries Inc; the most unlike its peers is Ecorehab of Muncie Inc. Resemblance is measured on each organization’s own IRS 990 mission text; it reflects how work is described, not its quality or impact.
04the grantee network

63 grantees tracked through their own filings, 2017–2025.

Each grant beside the grantee’s revenue from every source, year by year.

How this is measured

Counted here: distinct organizations funded across 2017 to 2025, not grant rows in a single year, so this will not match the grant count on the cover. 63 of the 78 grantees resolved in that span have returns of their own we could reconcile.

Each grantee is resolved to its own IRS returns. Association, dated; never a causal claim.

4
Load-bearing (≥25% of a budget)
14
Early backer (in before they grew)
57/63
Grantees still filing
40/63
Grew since first funded

Where the money sits, by cause and then by grantee

UNITED DAY CARE CENTER: $539,901 · OtherUNITED DAY CARE CENTERYOUNG MEN'S CHRISTIAN ASSOCIATION OF MUNCIE INDIANA INC: $527,200 · OtherYOUNG MEN'S CHRISTIAN ASSOCIATION OF MUNCIE INDIANA …MUNCIE BOYS AND GIRLS CLUB INC: $503,538 · OtherMUNCIE BOYS AND GIRLS CLUB INCA BETTER WAY SERVICES INC: $317,826 · OtherA BETTER WAY SERVICES INCBRIDGES COMMUNITY SERVICES INC: $187,626 · OtherOpen Door Health Services Inc: $209,292 · OtherOpen Door Health Services Inc+39 more: $1,447,851 · Other+39 moreHUFFER MEMORIAL CHILDREN'S CENTER INC: $624,629 · Human ServicesHUFFER MEMORIAL CHIL…CHILDREN'S BUREAU INC: $272,903 · Human ServicesCHILDREN'S BUREAU IN…YOUNG WOMENS CHRISTIAN ASSOCIATION CENTRAL INDIANA: $177,206 · Human ServicesYOUNG WOMENS CHRISTI…LifeStream Services Inc: $115,838 · Human ServicesLifeStream Services …Grace Horizon Inc: $90,700 · Human ServicesGrace Horizon IncMUNCIE OUTREACH INC: $60,500 · Human ServicesThe Gathering of the Queens Inc: $60,000 · Human Services+5 more: $101,500 · Human Services+5 morePATHSTONE CORPORATION: $892,827 · Community ImprovementPATHSTONE COR…WHITELY COMMUNITY COUNCIL INC: $64,040 · Community ImprovementWHITELY COMMU…WHOLE FAMILY COMMUNITY INITIATIVE INCORPORATED: $36,400 · Community ImprovementBall State University Foundation Inc: $227,566 · EducationMOTIVATE OUR MINDS INC: $135,913 · EducationAnderson Impact Center Inc: $105,700 · EducationDELAWARE COUNTY BY5 EARLY CHILDHOOD INITIATIVE INC: $73,008 · EducationROSS COMMUNITY CENTER INC: $61,754 · Education+1 more: $20,000 · EducationCOMMUNITY FOUNDATION OF GRANT COUNTY INDIANA INC: $182,560 · PhilanthropyTHE COMMUNITY FOUNDATION OF MUNCIE AND DELAWARE COUNTY INC: $180,000 · PhilanthropyHOPE INITIATIVE INC: $179,800 · Philanthropy+2 more: $16,000 · PhilanthropySECOND HARVEST FOOD BANK OF EAST CENTRAL INDIANA INC: $263,159 · Food & NutritionMEALS ON WHEELS OF MUNCIE INC: $112,249 · Food & NutritionMUNCIE MISSION MINISTRIES INC: $121,474 · Housing & ShelterHOME SAVERS OF DELAWARE COUNTY: $96,353 · Housing & ShelterAnderson Housing Inc: $76,400 · Housing & ShelterTHE SHELTER INC: $30,000 · Housing & ShelterECOREHAB OF MUNCIE INC: $22,000 · Housing & Shelter
Other$3,733,234Human Services$1,503,276Community Improvement$993,267Education$623,941Philanthropy$558,360Food & Nutrition$375,408Housing & Shelter$346,227

Each grantee by its size and the funder’s share of it; top left is load-bearing

25%50%75%100%$100k$1.0M$10M$100Mgrantee revenue →↑ funder's share of their budgetPATHSTONE CORPORATION: $892,827 over 8y, 0.7% of budgetHUFFER MEMORIAL CHILDREN'S CENTER INC: $624,629 over 8y, 7.7% of budgetUNITED DAY CARE CENTER: $539,901 over 8y, 6.8% of budgetYOUNG MEN'S CHRISTIAN ASSOCIATION OF MUNCIE INDIANA INC: $527,200 over 6y, 1.7% of budgetMUNCIE BOYS AND GIRLS CLUB INC: $503,538 over 8y, 14% of budgetA BETTER WAY SERVICES INC: $317,826 over 8y, 3.3% of budgetCHILDREN'S BUREAU INC: $272,903 over 5y, 0.4% of budgetSECOND HARVEST FOOD BANK OF EAST CENTRAL INDIANA INC: $263,159 over 8y, 0.4% of budgetBall State University Foundation Inc: $227,566 over 8y, 0.2% of budgetOpen Door Health Services Inc: $209,292 over 7y, 0.5% of budgetBRIDGES COMMUNITY SERVICES INC: $187,626 over 4y, 7.1% of budgetCOMMUNITY FOUNDATION OF GRANT COUNTY INDIANA INC: $182,560 over 8y, 2.2% of budgetTHE COMMUNITY FOUNDATION OF MUNCIE AND DELAWARE COUNTY INC: $180,000 over 1y, 1.7% of budgetHOPE INITIATIVE INC: $179,800 over 3y, 40% of budgetYOUNG WOMENS CHRISTIAN ASSOCIATION CENTRAL INDIANA: $177,206 over 8y, 6.5% of budgetMOTIVATE OUR MINDS INC: $135,913 over 8y, 9.8% of budgetMUNCIE MISSION MINISTRIES INC: $121,474 over 7y, 1.0% of budgetLifeStream Services Inc: $115,838 over 4y, 0.3% of budgetMEALS ON WHEELS OF MUNCIE INC: $112,249 over 6y, 17% of budgetAnderson Impact Center Inc: $105,700 over 4y, 14% of budgetHOME SAVERS OF DELAWARE COUNTY: $96,353 over 8y, 18% of budgetCHRISTIAN MINISTRIES OF DELAWARE: $91,102 over 8y, 14% of budgetGrace Horizon Inc: $90,700 over 4y, 27% of budgetALTERNATIVES INCORPORATED OF MADISON COUNTY: $86,400 over 4y, 2.0% of budgetINSIDE OUT COMMUNITY DEVELOPMENT CORPORATION: $78,940 over 3y, 8.5% of budgetAnderson Housing Inc: $76,400 over 4y, 5.7% of budgetCANCER SERVICES OF EAST CENTRAL INDIANA INC: $74,729 over 4y, 5.4% of budgetDELAWARE COUNTY BY5 EARLY CHILDHOOD INITIATIVE INC: $73,008 over 5y, 7.1% of budgetALPHA CENTER INC: $70,354 over 4y, 25% of budgetKINDERGARTEN PREP AND CHILD CARE IN: $70,000 over 2y, 13% of budgetRANDOLPH COUNTY YMCA INC: $66,000 over 3y, 2.6% of budgetWHITELY COMMUNITY COUNCIL INC: $64,040 over 5y, 7.9% of budgetROSS COMMUNITY CENTER INC: $61,754 over 3y, 7.1% of budgetMUNCIE OUTREACH INC: $60,500 over 4y, 32% of budgetThe Gathering of the Queens Inc: $60,000 over 2y, 24% of budgetGOODWILL LEGACY GROUP INC: $56,392 over 4y, 0.0% of budgetLITTLE RED DOOR CANCER AGENCY INC: $54,600 over 2y, 1.9% of budgetOPERATION LOVE MINISTRIES INC: $46,200 over 3y, 1.9% of budgetPRECIOUS HEARTS DEVELOPMENT CENTER INC: $40,000 over 2y, 3.2% of budgetWHOLE FAMILY COMMUNITY INITIATIVE INCORPORATED: $36,400 over 3y, 3.5% of budgetSOCIETY OF ST VINCENT DE PAUL DIST COUNCIL OF LAFAYETTE INDIANA INC: $34,000 over 3y, 8.9% of budgetROY C BULEY COMMUNITY CENTER INC: $30,967 over 1y, 7.7% of budgetTHE SHELTER INC: $30,000 over 2y, 21% of budgetURBAN LIGHT CHRISTIAN DEVELOPMENT CORPORATION: $30,000 over 2y, 4.1% of budgetRANDOLF COUNTY VETERANS SHELTER INC DBA THE JOURNEY HOME: $25,000 over 3y, 1.7% of budgetBIG BROTHERS BIG SISTERS OF EAST CENTRAL INDIANA INC: $22,456 over 1y, 19% of budgetBOWEN HEALTH INC: $21,840 over 2y, 0.0% of budgetIVY TECH FOUNDATION INC: $20,000 over 1y, 0.1% of budget
Grantee by grantee: a decade per organization, before and after funding

A decade per grantee: revenue shaded, grants as bars, all rows on one timeline.

  • Who funds PATHSTONE CORPORATION ↗
  • Who funds HUFFER MEMORIAL CHILDREN'S CENTER INC ↗
  • Who funds UNITED DAY CARE CENTER ↗
  • Who funds YOUNG MEN'S CHRISTIAN ASSOCIATION OF MUNCIE INDIANA INC ↗
  • Who funds MUNCIE BOYS AND GIRLS CLUB INC ↗
  • Who funds A BETTER WAY SERVICES INC ↗
  • Who funds CHILDREN'S BUREAU INC ↗
  • Who funds SECOND HARVEST FOOD BANK OF EAST CENTRAL INDIANA INC ↗
  • Who funds Ball State University Foundation Inc ↗
  • Who funds Open Door Health Services Inc ↗
  • Who funds BRIDGES COMMUNITY SERVICES INC ↗
  • Who funds COMMUNITY FOUNDATION OF GRANT COUNTY INDIANA INC ↗
  • Who funds THE COMMUNITY FOUNDATION OF MUNCIE AND DELAWARE COUNTY INC ↗
  • Who funds HOPE INITIATIVE INC ↗
  • Who funds YOUNG WOMENS CHRISTIAN ASSOCIATION CENTRAL INDIANA ↗
  • Who funds MOTIVATE OUR MINDS INC ↗
  • Who funds MUNCIE MISSION MINISTRIES INC ↗
  • Who funds LifeStream Services Inc ↗
  • Who funds MEALS ON WHEELS OF MUNCIE INC ↗
  • Who funds Anderson Impact Center Inc ↗
  • Who funds HOME SAVERS OF DELAWARE COUNTY ↗
  • Who funds CHRISTIAN MINISTRIES OF DELAWARE ↗
  • Who funds Grace Horizon Inc ↗
  • Who funds ALTERNATIVES INCORPORATED OF MADISON COUNTY ↗
  • Who funds INSIDE OUT COMMUNITY DEVELOPMENT CORPORATION ↗
  • Who funds Anderson Housing Inc ↗
  • Who funds CANCER SERVICES OF EAST CENTRAL INDIANA INC ↗
  • Who funds DELAWARE COUNTY BY5 EARLY CHILDHOOD INITIATIVE INC ↗
  • Who funds ALPHA CENTER INC ↗
  • Who funds KINDERGARTEN PREP AND CHILD CARE IN ↗
  • Who funds RANDOLPH COUNTY YMCA INC ↗
  • Who funds WHITELY COMMUNITY COUNCIL INC ↗
  • Who funds ROSS COMMUNITY CENTER INC ↗
  • Who funds MUNCIE OUTREACH INC ↗
  • Who funds The Gathering of the Queens Inc ↗
  • Who funds GOODWILL LEGACY GROUP INC ↗

Co-funders

Grantmakers whose grantees overlap with this funder’s far more than size alone predicts. Closer means stronger alignment; arcs show where they also fund each other. Here they form a tightly interlocked group: most of these funders back each other's grantees too.

The Community Foundat…Ball Brothers Foundat…George and Frances Ba…Mutualbank Charitable…United Way of Madison…Hamer D & Phyllis C S…Madison County Commun…Early Learning Indian…Centerpoint Energy Fo…Muncie Endurathon IncHenry County Communit…Lilly Endowment Inc
The Community Foundation of Muncie and Delaware County IncIN67.6× affinity30 shared granteesties to 10 of 11Hover any node to trace its alignments.Compare side by side →

Open a dossier: The Community Foundation of Muncie and Delaware County Inc · Ball Brothers Foundation · George and Frances Ball Foundation · Mutualbank Charitable Foundation Inc · United Way of Madison County Indiana Inc · Hamer D & Phyllis C Shafer Foundation Charitable Trust · Madison County Community Foundation Inc · Early Learning Indiana Inc · Centerpoint Energy Foundation Inc · Muncie Endurathon Inc · Henry County Community Foundation Inc · Lilly Endowment Inc

How this is measured
Affinity is a Gamma-Poisson posterior co-funding rate, re-centered on the typical rate, so thin evidence shrinks toward no signal. Overlap is association, not proof of shared intent.

How much its grantees rely on government

Each dot is one organization Heart of Indiana United Way Inc funds: left to right is the share of its income from government, bottom to top the share from Heart of Indiana United Way Inc. Bigger dots raise more.

2024
’20’21’22’23’24’25
no gov · 00%3%10%23%40%funder's share of their income ↑0%25%50%75%100%share of the org’s income from government →
    no gov moneyreceives it· size = income
    0get no government money at all
    20report government grants on their 990 we could not trace to a source (not plotted)
    0rely on government for over half their income
    typical government reliance, FY20–25
    How this is measured
    Government income is each org’s traced federal awards (USASpending grants and contracts) plus state payments (open checkbooks) as a share of its total revenue (IRS Form 990); the self-reported government-grant line (990 line 1e) is carried for cross-check: a grantee that reports government grants we could not trace to a source is left off the chart rather than shown as receiving none. An association, not a claim that a grant caused the public funding. Coverage is precision-first, a floor rather than a census; state records exist for 9 states, so a grantee outside them shows no state figure (dimmed) rather than a false zero. Federal award amounts are obligations, which can span years, so a single-year share is indicative. 990 filings lag 12 to 24 months.

    On method. Every financial figure here is read from IRS e-file XML, the funder’s own 990/990-PF, and from the multi-year returns of the 78 grantees we resolved, each linked to its source. Grantee outcomes are each organization’s own program-service reporting (Form 990, Part III), read as association with funding, never as caused by it. Low-confidence name matches are suppressed rather than guessed. How we build these →

    How this is measured
    Each figure carries one of six labels. Filed is what the funder reported on its return. Official is another government record about an organization, such as a federal award or a charity register, joined by name where no shared identifier exists. Resolved is an identity we worked out where the filing named a recipient without an EIN, kept only above a measured confidence threshold. Computed is arithmetic over those, like themes, portfolio clusters and co-funder strength. Context is a statistic about a place rather than about an organization, which is what the need overlay is: it describes the area a grantee’s address sits in, not where its work lands. Inferred is drawn by a model from text, like the partnerships read out of public news and organization websites. Each is labeled where it appears.

    Generated from the IRS Form 990 e-file return for fiscal year 2025, released 2025. Filings run roughly 12 to 24 months behind; figures are dated accordingly.

    Source object · view filing

    Play a game based on Heart of Indiana United Way’s filings →

    More from the funding graph

    The unnamed billions
    grants reported with no recipient in the public record
    The regranting layer
    51% of grant dollars land in the regranting layer
    The DAF merry-go-round
    $9.7B circulates between donor-advised funds
    The endowment market
    who holds foundation money, and what just moved
    The camps
    funders cluster by geography, not ideology
    By state
    where grant money is based, and what stays home