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    A guaranteed income program has been life-changing for Philly moms. If expanded, it could change lives in Germantown.

    The Philly Joy Bank is a guaranteed income program providing $1,000 a month to pregnant Philadelphians in select neighborhoods. For Nicetown mom Erica Gaye, it meant escaping abuse, supporting her kids, and finding community during a life-threatening pregnancy. Advocates say Germantown could benefit from the program’s next phase.