What is the iOme (I Owe Me) Challenge?

The iOme (I OWE ME) Challenge is a national student competition that encourages students to analyze the current state of retirement policy in the U.S. and propose viable policy solutions to meet the needs of their generation.

How does it do that? 

Each year, student teams from across the U.S. respond to the annual iOme Challenge question in an essay with a public policy proposal. A panel of judges reads the submissions and selects the winning team. The winning team shares a cash prize of $5,000 and an invitation to Washington, DC to present their submission at a symposium and discuss it with public policymakers.

The iOme Challenge engages younger generations in the process of finding solutions to the financial and retirement challenges facing all generations. Each year, the project aims to involve more students in order to promote this important intergenerational dialogue.

Announcing the 2022-2023 iOme Challenge Winner!

Congratulations to a team from the University of Maryland, Baltimore County

2022-2023 iOme Challenge Winning Team:
Benjamin Ault
Hans-Jacob Larsen Nesheim

The winning essay, US Retirement Policy: Personalizing Retirement Securitywas authored by team leader Benjamin Ault, who was joined by team member Hans-Jacob Larsen Nesheim.

The faculty advisor to the team was Douglas Lamdin, of the University of Maryland, Baltimore County. 

Benjamin is a rising senior studying Financial Economics and Accounting at UMBC. He is from Catonsville, MD. Benjamin is also involved in coaching high school baseball, playing club ultimate at UMBC, and volunteering in Christian ministry.

Hans-Jacob is an international student-athlete from Haugesund, Norway, majoring in Financial Economics. He represents UMBC mens soccer in D1 as a defender. In his free-time he enjoys especially skiing and winter activities.

The iOme Challenge was started in 2009. In 2016, the Women’s Institute for a Secure Retirement (WISER®) took on the management of the iOme Challenge, and continues to expand its reach and impact.

Congratulations to the 2021-2022 Winning Team: St. Mary's College of Maryland (SMCM) ​

See more about Past Winners.

Have questions? Contact us