What ForCommon is
Better pricing on your most common bills, because you’re not asking for it alone.
ForCommon is a household membership that brings families together so everyday companies can offer the whole group better pricing than any one household could get on its own, starting with cell service and insurance.
The gap we close.
Families pay full price because they shop one household at a time. The companies serving them spend heavily to reach those families one at a time. ForCommon sits in the middle: we organize the families, partners meet them with group pricing, and the savings come from cutting the cost of finding each other, not from squeezing anyone. Nobody has to lose for this to work.
Built so the incentives stay honest.
ForCommon is a public benefit corporation, organized for the families who join. Members pay one flat membership fee, and that’s it. We don’t take commissions from the companies we partner with, so our only job is getting you the better number. As more families join, the group’s pricing gets better, and that lower price is what brings the next family in.
We’re pre-launch, and honest about it.
Cell service and insurance come first; other household costs follow as we bring founding members on. Any savings figures on our site today are projections from published carrier and industry group rates, not member results yet. We’ll publish real member numbers as founding members come on.
If that’s a group you’d want to be part of, join the waitlist.
Want the longer version of how two families arrived at this? Read our story below ↓
Our Story
How ForCommon came to be.
Two families, one problem, and the realization that what’s working for the few isn’t working for most. Built by people who need it themselves.
Death. Life. A question.
Luke had been building things that work since 8th grade. But the more businesses and investments he succeeded with over the years, the harder it became to ignore what wasn’t working for a lot of other people around him.
After losing both his parents three days apart from each other in 2025, the weight of what it looks like to make a difference in the world hit hard. Luke set aside all his projects to seek clarity and decide if everything he was working on was worth it. Not just for himself, but for others too.
One evening while mowing his parents’ yard for the last time, he gazed at the home he grew up in and contemplated the life his mom and dad had worked so hard to build. It had taken 70+ years of grind, and there was often uncertainty of whether the finances would match the pace of life. He recalled how a few nights earlier he’d sensed the concerned tone in one of his own children’s voices as they shared about their day at the dinner table.
“Dad, it’s like… no matter how hard I work, like, I don’t get anywhere.”
Suddenly, what felt like a rush of inspiration and love burst on the inside, and an exciting thought exploded. What would happen in America if every single person suddenly had all their financial debts paid off and began to experience more financial freedom?
Luke could hardly contain his imagination for the weeks and months that followed as he put all his time into understanding the systems originally designed to help Americans realize their dreams, and what solutions could remove the obstacles and accelerate opportunities.
Hope. Disappointment. A moving finish line.
Around the same time, Gunner and Erika were doing well by any honest measure. Two incomes, careers they’d worked hard for, the moves they were supposed to make. A generation ago, that income could have afforded the two-story house with the picket fence, two cars in the driveway, a couple of vacations a year, no debt to speak of. That was making it.
The bills kept climbing faster than the raises. Switching jobs for real income growth wasn’t the lever it used to be. College, the thing they’d been told their whole lives was the ticket, looked more and more like a debt machine that handed people a piece of paper at the end.
“I’m doing everything I’m supposed to be doing. And I’m still watching the finish line move further and further. If this is what it looks like for us, what does it look like for everyone else?”
Gunner realized he wasn’t on the outside of the story Luke had heard at his dinner table. He wasthe story. He was one of Luke’s kids, grown up, looking around at the world and wondering when the part where it gets better starts.
The math kept showing the same flaw.
Gunner and Luke began months of trading ideas across kitchen tables and long phone calls. Each new attempt had a name; the first was HomeFree, which simply means: in a secure or comfortable position, especially because of being certain to succeed.
“Home-Free is what told us which direction to head; we just had to keep vetting the ideas through practical solutions to see if they would actually work.”
What if you did it this way? What if you stacked it like that? What about a partner market? A buying club? A benefits platform? Gunner would take each idea home, build the model, run the numbers. And every time, the math came back the same way: it moved the needle a little, but it didn’t move the debt. Families would save something, but they wouldn’t be HomeFree.
That’s the part that gnawed at both of them. Gunner had spent his career building systems where if the numbers don’t reconcile, you don’t ship, you find the bug. And the bug here kept showing up in the same place: families were shopping one household at a time, while the companies serving them were built to operate at scale.
Both sides were spending real money trying to find each other across that gap. Families paying retail because they had no leverage. Companies paying enormous acquisition costs to reach them one at a time. Nobody designed it to work this way. It just evolved this way because nobody had ever created a unified solution at scale with strategic intentionality.
Then things begin to click.
When Luke and Gunner started comparing notes, an alarming correlation emerged, and the conviction to make a difference became clear.
$18.8T
Household debt
Mortgages, credit cards, and student loans carried by American families.
$18.7T
Corporate deposits
Sitting in U.S. company accounts on the other side of the same economy.
Two enormous numbers, on opposite sides of the same economy, that almost never talk to each other in a way that helps the people in the middle.
Families are paying full price because they’re shopping alone. Companies are spending billions trying to find those same families, one customer at a time. Both sides are losing money in the gap. The problem isn’t that people and companies aren’t working hard. The problem is they haven’t had a better way to work together.
How families and companies come together.
ForCommon is how families and companies come together to experience being HomeFree.
To the millions of households who’ve been negotiating alone, and to the companies that have been spending fortunes trying to find them, ForCommon is the place where the gap can be bridged with terms that work for both.
That financial freedom, where no one loses and everyone wins, is what Luke saw as the sun set on his parents’ homeplace for the last time. That’s what Gunner saw at the bottom of every spreadsheet he ran.
Everyone experiencing financial freedom is the why behind our work at ForCommon, and why ForCommon works.
Why we’re building this
ForCommon isn’t another product or platform. It’s creative human progress inspired by practical solutions. Join the ForCommon story: people who are making life better, together.
Luke Anderson & Gunner Howe
Co-Founders, ForCommon