Why We Do What We Do

🙌 Because Reliable Transportation Is More Than a Convenience — It’s a Lifeline.

At Keys of Grace, we believe that every person deserves a chance to pursue opportunity, provide for their family, and walk a path toward stability. Yet for many, the lack of reliable transportation is a silent but powerful barrier.

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🚗 The Transportation Trap

Reliable transportation is essential for employment — it connects people to job opportunities, child care, education, and medical care. But the high cost of vehicle ownership creates a steep challenge for low- to moderate-income individuals.

According to the Bureau of Labor Statistics (2023), transportation is the second-largest household expense after housing — consuming a disproportionate share of income for those who can least afford it.

• Vehicle payments, insurance, maintenance, and fuel all add up.
• Unlike homes, cars depreciate in value, making them poor financial investments.
• Many rely on high-interest auto loans, leading to long-term debt cycles and financial stress.

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⚖️ The Benefits Cliff: Living in Between

Many working individuals earn too much to qualify for assistance, but too little to meet basic needs. This is known as the “benefits cliff.”

• They don’t qualify for housing, food, or healthcare subsidies.
• They work hard — sometimes two jobs — yet still fall short.
• Without help, they remain stuck: unable to save, invest, or advance.

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❤️ Our Response: Grace in Action

At Keys of Grace, we’re committed to breaking this cycle by:

• Providing reliable, donated vehicles to individuals and families in need
• Funding repairs and preparation so these vehicles are safe and dependable
• Offering Biblically grounded financial coaching through Financial Peace University

Our goal isn’t just relief — it’s restoration. Through this ministry, we help recipients move toward independence, financial peace, and renewed hope in Christ.

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✝️ Scripture That Guides Our Mission

“Dear children, let us not love with words or speech but with actions and in truth.”
— 1 John 3:18 (NIV)

“Carry each other’s burdens, and in this way you will fulfill the law of Christ.”
— Galatians 6:2 (NIV)

“All hard work brings a profit, but mere talk leads only to poverty.”
— Proverbs 14:23 (NIV)

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