What is the Round-Up Ramp-Up challenge?

The Round-Up Ramp-Up is an 8-week savings challenge from True North's Critter Crew. Instead of saving more each week, you set up one small automatic-saving move each week — five minutes or less. By week 8, you've built a system that saves for you all year, not just during the challenge.

How is this different from other savings challenges?

Most challenges ask for more effort every week — and effort is exactly why savings challenges get abandoned. The Ramp-Up flips it: every week's move is a one-time setup, not a repeated chore. Miss a week? Nothing breaks. Everything you already set up keeps running. It's the only savings challenge where quitting halfway still leaves you saving automatically.

How do I join?

There's nothing to join — that's the point. Download Reggie's tracker, start on any Monday, and check off one move per week. No sign-up, no deadline, no entry form. The full week-by-week list is on the tracker, and each move takes five minutes or less.

What do I win?

A savings account that grows without you. At week 8, compare your balance to week 4 — everything in between happened automatically. That system keeps paying long after the tracker's on the fridge under a magnet. And it sets you up perfectly for the holidays, when the Crew has more to share.

Download Reggie's fun tracker, pick a Monday, and let Reggie ramp you up. Every move is five minutes. Every move is forever.

Ramp-Up Tracker Sheet

The Climb, Week by Week

Eight checkpoints, one small move at each. None takes more than five minutes, and every one keeps working after you've moved on — so even if you stop halfway up, everything you've set up keeps saving. Here's the trail.

Week 1

Turn it on.

Enroll in the True North Debit Card Round-Up Program.

Week 2

Count your swipes.

Tally your debit purchases for the week — that number is how many times you saved without trying.

Week 3

Payday partner.

Set up a small recurring transfer on payday ($5 counts).

Week 4

Check the stack.

Look at your savings balance and write it on the tracker — first milestone.

Halfway up the mountain! 🐏 Look back for a second — everything you set up in weeks one through four is still running. You're not starting each week from zero; you're stacking on top of savings that already move by themselves. The second half of the climb works exactly the same way: one small move, five minutes, forever. Onward and upward!

Week 5

Split the source.

Ask payroll to split your direct deposit — or bump the week 3 transfer if a split isn't an option.

Week 6

The $1 bump.

Increase one automation by just $1.

Week 7

The windfall rule.

Decide now: any surprise money this week (refund, rebate, birthday cash) goes straight to savings.

Week 8

Total it up.

Compare your balance to week 4. Everything between happened automatically — and it doesn't stop when the challenge does.