As part of BlackRock’s Emergency Savings Initiative, Commonwealth addresses the implications and opportunities of the recent SECURE 2.0 Act of 2022 to support workers’ emergency expense needs. The SECURE 2.0 Act of 2022 included two provisions allowing employers to offer solutions through their retirement plans designed to support employees in managing unexpected expenses. To center the voice of workers earning low and moderate incomes (LMI) and inform recordkeepers and employers in decision-making and solution design, Commonwealth conducted focus groups with 20 workers earning LMI to understand their needs, preferences, and questions regarding these new emergency expense provisions. This brief summarizes the key findings and insights from the focus groups.