We bring practical financial education, coaching, credit support, and capital readiness to youth, adults, entrepreneurs, small businesses, nonprofits, and communities too often left without access. The generosity of our donors and partners covers the cost, so the people, businesses, nonprofits, and communities served through our funded programs receive support at no cost.
We are building a national financial education movement that meets people where they live, learn, work, build, and gather. Our goal is to help 100,000 people use financial knowledge to make stronger decisions, prepare for challenges, pursue opportunity, and create more secure futures.
We expand access to financial education, coaching, and resources that help people heal from money trauma, build healthier relationships with money, and gain the confidence, knowledge, and support needed to create financial stability, safety, and generational wealth.
We envision a nation where financial understanding is accessible to everyone, regardless of age, background, income, or circumstance, and where individuals, families, businesses, and communities have the tools and opportunities to save, build credit, access capital, create wealth, and thrive for generations.
Financial education cannot lower someone’s rent or erase a medical bill. It can help people build a workable budget, start an emergency fund, manage credit, reduce debt, and make the next decision with more clarity.
Our programming, events, and coaching connect the Five Pillars of Finance with business finance and capital readiness, helping people build financial stability at home and in their businesses. That progress can mean less stress, greater household stability, stronger businesses, and more money moving through local communities.
Money stress reaches into physical health, mental health, work, family stability, and the local economy. It shapes whether people can absorb a setback, pursue an opportunity, support a business, or contribute to the places they call home.
Total U.S. credit card balances in the first quarter of 2026. High revolving debt can crowd out emergency savings and other financial priorities.
Source: Federal Reserve Bank of New Yorkof U.S. adults would not cover a $400 emergency entirely with cash, savings, or a credit card paid off at the next statement. Building savings can help reduce reliance on borrowing when an unexpected bill arrives.
Source: Federal Reserveof U.S. adults had less than three months of living expenses saved, leaving little or no cushion for a job loss, medical cost, or major repair. That rises to 64% among adults ages 18 to 34.
Source: FINRA FoundationOur financial education initiatives help young people build money skills early, families establish lasting security, and businesses prepare for growth. Together, these commitments connect individual progress to jobs, ownership, and economic opportunity that can strengthen communities for generations.
Build practical knowledge early and help young people enter adulthood with confidence and opportunity.
Support stability through savings, credit, debt reduction, emergency preparation, and healthier money relationships.
Help entrepreneurs, small and local businesses, nonprofits, and mission based organizations strengthen their finances, improve cash flow, and prepare for capital and lasting growth.
Partner across sectors to expand access and create more resilient communities nationwide.
Money knowledge shapes whether a family can absorb an emergency, whether a young person can recognize costly debt, and whether an entrepreneur can prepare for capital before opportunity arrives. Without accessible education, people are left to navigate systems that affect housing, education, employment, ownership, and wealth without a clear map.
We work across the full community because financial wellbeing is connected. When people can budget, save, use credit wisely, reduce debt, begin investing, understand business finances, and prepare for capital, the benefits reach households, workplaces, local businesses, and future generations.
Budgeting, saving, credit, debt, and investing each affect what your money can do. Financial Foundations™ helps people understand how those areas connect and where to focus next.
Understand where your money goes and start making more intentional choices.
Build stability one step at a time with goals that make sense for real life.
Learn what affects credit and how it shapes borrowing, access, and cost.
Create a clearer plan for repayment instead of letting balances control the pace.
Learn the basics, reduce confusion, and give your money room to grow over time.
Financial Foundations™ helps people strengthen their personal finances. Capital Access™ helps entrepreneurs, small businesses, and nonprofits prepare for capital, growth, and sustainable operations.
Help us reach our fundraising goals and bring financial education within reach for more people. Choose a fund below to support free community programs or college scholarships and financial learning.
Help individuals, families, and business owners build the knowledge and confidence to make stronger financial decisions. Your gift funds free coaching, workshops, and practical resources through Financial Foundations™ and Capital Access™.
Support will help people create workable budgets, manage debt, strengthen credit, prepare for emergencies, and improve their business finances. It also makes Financial Freedom Community Care possible for individuals and families seeking guidance through financial hardship or major life changes.
Fund The MovementHelp students pursue higher education while bringing practical financial learning to more communities. A significant portion of this fund will provide college scholarships for students studying economics, finance, business, and related fields at community colleges, public universities, and private colleges.
The remaining funds will support free educational resources, workshops, and events for youth, families, schools, and community groups. Your gift will help more people learn how to manage debt, use credit wisely, save for emergencies, and understand investing.
Fund More College ScholarshipsDonations fund the work. Partners help us reach communities and bring specialized knowledge into the room. Volunteers help programs, events, and participants receive the time and attention they deserve.
Help cover education, coaching, scholarships, staff, resources, and program delivery so participants can receive support for free.
Donate To Our CauseShare your time and skills through youth education, small business empowerment, community events, outreach, and virtual learning.
Volunteer With UsFund a program, bring education into your community, contribute expertise, or help us build a focused initiative around a real need.
Become A PartnerFinancial State Of Minds is a nonprofit financial education and empowerment organization helping individuals and business owners better understand money, strengthen their financial position, and gain access to resources that can help them move forward.
Donations, education funds, and partners who contribute their time and expertise make our funded programs free for the people and businesses we serve.
Financial education is most valuable when someone can put it to work.
Through Financial Foundations™ and Capital Access™, FSM supports both sides of financial empowerment: helping people strengthen their personal finances and helping entrepreneurs build financially healthier, better-prepared businesses.
That work is supported by educational programs, digital resources, community partnerships, expert-led learning, and connections to trusted organizations and business resources.
We want someone who encounters FSM to leave with a clearer sense of where they stand, what deserves their attention, and what they can realistically do next.
Money affects far more than a bank balance. It influences where people can live, how families respond to emergencies, which opportunities someone can pursue, whether a business can survive a difficult season, and what people are able to build for the future.
Yet many are expected to save, manage debt, use credit wisely, invest, launch businesses, and pursue capital without ever being given a clear understanding of how those systems work.
FSM exists to make that knowledge easier to access and more useful once people have it.
We expand access to financial education, coaching, and resources that help people heal from money trauma, build healthier relationships with money, and gain the confidence, knowledge, and support needed to create financial stability, safety, and generational wealth.
We envision a nation where financial understanding is accessible to everyone, regardless of age, background, income, or circumstance, and where individuals, families, businesses, and communities have the tools and opportunities to save, build credit, access capital, create wealth, and thrive for generations.
Founder & Executive Director
Darrin Harvey founded Financial State Of Minds from experience, not theory.
He knows what it feels like to believe you are financially stable and then have life change faster than your finances can keep up. After facing major, unexpected events in his own life, Darrin experienced how quickly emergencies can become debt and how difficult it can be to regain your footing when expenses continue even while everything else has changed.
That period reshaped the way he thought about financial education. Being told to save, manage debt, or use credit responsibly is very different from having the knowledge and preparation to make those decisions when life is actually happening.
Today, Darrin brings his lived experience together with his work as a financial educator, entrepreneur, business advisor, keynote speaker, and host of the Financial State Of Minds podcast. He is also legally blind, which continues to shape FSM's commitment to accessibility and practical education people can actually use.
His long-term vision is to grow Financial State Of Minds into a nationwide platform that helps 100,000 people become better prepared for both the opportunities and the unexpected moments life brings.
Learn with Darrin through his podcast and webinars. Get on Darrin's calendar.
FSM's leadership team is responsible for turning the mission into the programs, partnerships, resources, technology, and communications that keep the organization moving forward.
Darrin Harvey serves as Founder & Executive Director, alongside Maurice Shabazz, Chief Operating Officer; Damian Coln, Chief Technology Officer; and Troy Sandidge, Chief Marketing Officer.
Each brings a different area of expertise to the organization while sharing responsibility for building FSM in a way that can reach more people without losing sight of why the work exists in the first place.
The Board of Directors provides the governance and oversight that help Financial State Of Minds remain accountable to its mission, the communities it serves, and the people and organizations that support its work.
Board members contribute experience and perspective to FSM's long-term direction, financial stewardship, organizational sustainability, and growth.
As the organization expands, that responsibility becomes even more important. The goal is not simply to reach more people, but to build an organization capable of serving them responsibly for years to come.
Impact might look like someone finally understanding what is affecting their credit, a family creating an emergency savings plan, or a person making their first informed decision about investing.
For a business owner, it might mean getting financial records organized before approaching a lender, understanding how business credit works, improving cash flow, or becoming better prepared to pursue capital.
These changes may begin with one person, but they rarely stay there. Financial habits are shared within households. Knowledge gets passed to children. Stronger businesses create income and opportunity.
FSM works with people at different stages of life and business.
That may be a student learning about credit before getting their first card, a working professional trying to make better use of their income, a family working through debt, or an entrepreneur trying to understand what their business needs before applying for funding.
We also work closely with the organizations already connected to those communities, including schools, employers, nonprofits, financial institutions, corporations, foundations, and community groups.
Financial State Of Minds is proud to work alongside mission-driven organizations and professionals who care about financial education, greater access, and stronger communities.
Our partners have committed their time, expertise, platforms, resources, and support to help us create more free and affordable education for individuals, families, businesses, nonprofits, and communities. Their involvement helps FSM reach people beyond our immediate network and bring practical financial education into more places where it can make a difference.
As FSM grows, these partnerships help us expand our reach nationwide through in-person and virtual events, workshops, webinars, resource development, community programming, business support, and other opportunities shaped around the people being served.
We value partners who want to contribute to the mission, not simply be associated with it.
Our long-term goal is to reach 100,000 people. Partners can help bring programming to new audiences. Sponsors can help remove cost as a barrier. Organizations can open doors to the people and businesses they already serve. Donors can help us continue creating resources and expanding access.
Join the Financial Freedom Giving Community and choose a recurring gift level that works for you. Your monthly support helps sustain education, coaching, workshops, and resources that keep our funded programs free for participants. Explore Monthly Giving.
Request support for yourself or nominate an individual or family who could benefit from financial education, coaching, and community support. Whether the goal is managing credit card debt, improving a budget, addressing overspending, or simply understanding money better, we’re here to help people find a practical next step.
Through the Financial Freedom Community Care Program, participants may receive guidance to build healthier money habits, strengthen credit, grow savings, and feel more confident about everyday financial decisions.
Support may also help people navigate a major life event affecting their finances, such as a change in employment, unexpected medical expenses, or the loss of a loved one. Financial education and coaching can help them understand their options and work toward greater stability.
Share a brief overview below. Our team will review each request and explore available support based on the person’s needs and program capacity.
Education and coaching provided through this program are free, made possible by donors, education funds, partners, and volunteers.
Our impact index is built around access, participation, delivery, outcomes, and responsible stewardship.
Your support helps people get financial guidance they might otherwise go without. You can help cover the cost, share your time, or bring education and expertise to your community.
Financial confidence grows when people have support they can put to use at home and in business. Our two programs make that support available at no cost, with donors and partners covering the work.
For individuals and families, that can mean understanding where each paycheck goes, building savings for an unexpected bill, improving credit, or finding a manageable way to pay down debt. Practical education and coaching help turn those concerns into decisions people can act on.
For entrepreneurs and small businesses, it means getting financial records in order, understanding cash flow, and preparing for funding before it is needed. Access to experienced professionals and useful resources helps owners make informed decisions, sustain operations, and pursue opportunities that support their communities.
A personal finance program designed to help individuals and families understand money, build stability, and make stronger financial decisions.
FSM Financial Foundations™ provides accessible education, coaching, tools, and resources that help people save more intentionally, reduce debt, improve credit, begin investing, build stronger financial habits, and create a healthier relationship with money.
Explore Our Financial Foundations Program™
A business education program designed to help entrepreneurs, startups, and small business owners strengthen their financial position and gain greater access to capital, tools, relationships, and growth resources.
FSM Capital Access™ connects business education, credit and capital readiness, expert guidance, and a trusted network of solutions that help businesses launch, sustain, grow, and create greater economic impact.
Learn About Capital Access™Schools, nonprofits, employers, community groups, corporations, foundations, and financial institutions can bring programs and practical resources into places where people already learn, work, and seek support.
The FSM Financial Foundations Program™ helps individuals and families understand what is happening with their money now, make better decisions with it, and build habits that can hold up when life changes.
This program is free for individuals and families. Our education funds and generous donors, businesses, partners, and organizations cover the cost, while contributors share their time, resources, and expertise to help people build stronger financial futures.
Most people are expected to know how to manage money long before anyone has actually taught them how.
FSM Financial Foundations™ helps individuals and families build that knowledge in a practical way. The focus is not on perfection or having everything figured out. It is about understanding what is happening with your money now, making better decisions with it, and building habits that can hold up when life changes.
The program is built around the Five Pillars of Personal Finance: budgeting, savings, debt, credit, and investing. Each one affects the others. A stronger budget can create room to save. Savings can keep an emergency from becoming new debt. Better credit can lower the cost of borrowing. Reducing debt can free up money for longer-term goals. Investing gives that money an opportunity to grow.
Financial Foundations™ helps people see those connections and start working on the areas that matter most for their own lives.
Understand where your money goes, make realistic spending decisions, and create room for the priorities that matter.
The FSM Financial Foundations™ Cohort is for people who want more than information they can read once and forget.
Participants move through the Five Pillars with guided education, practical tools, and support that helps them apply what they are learning to their actual finances. That may mean finally seeing where money is going each month, creating a spending plan that feels realistic, building an emergency fund from whatever starting point is possible, understanding what is affecting a credit profile, or deciding how to approach debt without feeling overwhelmed by all of it at once.
The cohort also introduces investing in a way that helps people understand the basics before feeling pressured to jump into something they do not understand.
By the end, participants should have a clearer picture of their financial life, a better understanding of what deserves their attention, and practical next steps they can continue using after the program ends.
Financial education can have a much larger effect when people have access to it through places they already know and trust.
Employers, schools, financial institutions, nonprofits, foundations, and community organizations can sponsor an FSM Financial Foundations™ cohort or help cover participant access for a specific group.
That could mean supporting employees who are dealing with financial stress, helping young adults build healthier habits before costly mistakes happen, giving families access to education they may never have received, or bringing a structured financial learning experience into a community that needs it.
FSM can work with partners to shape the experience around the audience, setting, and goals of the organization.
Not everyone is ready for a cohort, and financial education should not stop there.
FSM also creates resources people can use on their own, including the Financial State Of Minds Podcast, Personal Finance Newsletter, videos, guides, worksheets, and other educational tools covering the same financial topics people deal with every day.
Someone may start with a podcast conversation about credit, use a workbook to understand their spending, watch a video about debt, or subscribe to the newsletter simply because they want to become a little more informed each week. There does not have to be one correct starting point.
For many people, one unexpected expense can undo months or years of progress. A medical issue happens. A job changes. A car breaks down. A family member needs help. Income suddenly drops.
Those moments are difficult enough without also having to learn how money works in the middle of them.
Financial Foundations™ is about helping people build more understanding before that moment arrives and giving them better tools to recover when life does not go according to plan. That means knowing what can realistically be saved, understanding how credit should and should not be used, recognizing when debt is becoming dangerous, and learning how to make choices with a longer view of what those decisions will cost.
The goal is not to make everyone a financial expert. It is to help more people feel equipped to handle their own money with greater confidence and fewer costly surprises.
You do not need a certain income, credit score, savings balance, or level of financial knowledge to begin. Financial Foundations™ was built for people who want to understand their money better and make the next decision a little more informed than the last one.
The FSM Capital Access Program™ helps entrepreneurs and small business owners strengthen the financial side of their business, improve readiness, and connect with the education, tools, experts, and opportunities that can help them pursue funding and grow with greater clarity.
This program is free for entrepreneurs, small businesses, and nonprofits. Our education funds and generous donors, businesses, partners, and organizations make that access possible, alongside professionals who contribute their time, resources, and expertise to support stronger local economies.
Use this snapshot to identify the financial and organizational building blocks that need attention before pursuing capital.
Apply To Join Our Capital Access Program™Access to capital matters, but funding is only part of the picture.
FSM Capital Access™ helps entrepreneurs, small businesses, early-stage startups, and emerging brands strengthen the financial side of their business so they are better prepared to operate, grow, and pursue new opportunities.
That can mean building business credit, improving cash flow, separating personal and business finances, getting financial records in order, understanding funding requirements, or connecting with tools and resources that make running a business easier.
The goal is not simply to help businesses find money. It is to help them become better prepared to use it well.
A guided cohort experience for business owners who want hands-on support strengthening their financial foundation and preparing for capital.
A curated network of trusted tools, companies, financial institutions, service providers, and resources that can help businesses operate more effectively.
Ongoing education through workshops, webinars, resources, and expert-led learning for business owners who want to keep building their knowledge.
Business owners may engage with one area or move between them as their needs change.
FSM Credit to Capital™ is a cohort-based program that helps entrepreneurs understand and strengthen the financial areas lenders, funders, and business partners are likely to look at.
Participants work through the realities of their own business rather than learning from theory alone. That may include building or improving business credit, separating personal and business finances, organizing accounts and expenses, strengthening cash flow, building reserves, preparing financial records, and understanding what different funding options may require.
The program is designed to help business owners see what is already working, what may be holding them back, and what they can realistically improve next.
By the end of the experience, participants should have a clearer picture of their financial position and a stronger understanding of what becoming capital-ready actually requires.
Apply for an upcoming FSM Credit to Capital™ cohort and work through the financial areas that can shape readiness.
Banks, corporations, foundations, and community organizations can sponsor a full cohort or help cover participant access.
Business owners are constantly being sold tools, services, platforms, and financial products. Figuring out which ones are actually useful can become another job by itself. The FSM Money Table Network™ helps cut through some of that noise by connecting business owners with vetted companies, financial institutions, technology platforms, service providers, specialists, and community partners that can support different parts of running and growing a business.
Depending on the partner, that may include business banking, credit-building tools, accounting and invoicing platforms, funding resources, legal or insurance support, marketing technology, productivity tools, professional services, or special opportunities available to the FSM community. The goal is not to build the largest directory possible. It is to create a useful network of resources that business owners can feel more confident exploring.
Focused sessions to work through specific business questions, decisions, and priorities.
Clarity around where the business is now, what it needs next, and what deserves attention first.
Hands-on support that helps turn plans into systems, workflows, and completed business priorities.
Strengthen the systems behind how the business runs, delivers, tracks, and grows.
Understand and strengthen the business credit factors that can affect financing options.
Learn what different funding pathways may require and how to prepare before applying.
Explore tools and platforms that make operations easier and more efficient.
Clarify the brand, message, and market positioning behind the business.
Practical guidance for reaching the right people and improving customer acquisition.
Use practical AI tools to save time, improve workflows, and support smarter execution.
Get clearer on your story, documents, and positioning before making the ask.
Access grant readiness and writing support when it aligns with the opportunity.
Connect with professionals who can help businesses stay financially organized and compliant.
Access professionals who can help owners think beyond today's operations and income.
Bring questions, get perspective, and keep momentum going between larger engagements.
Support that helps business owners keep moving forward consistently and intentionally.
Build relationships with entrepreneurs, professionals, mentors, and peers while staying connected to a community that learns and grows together.
Join curated learning opportunities, workshops, and events for the FSM community.
FSM works with banks, technology companies, business platforms, corporations, professional service providers, and community organizations that want to support entrepreneurs in a meaningful way.
A partnership might include providing a useful tool or service, extending a special offer to FSM participants, sponsoring access to a program, sharing expertise, or helping create new opportunities for business owners.
We are especially interested in partners that see entrepreneurs as more than potential customers and want to contribute to stronger, more sustainable business communities.
There is no point where a business owner suddenly knows everything they need to know. New stages bring new questions about money, operations, customers, technology, risk, leadership, and growth.
FSM Capital Access Academy™ gives entrepreneurs ongoing access to education they can use as those needs change. The Academy includes workshops, webinars, conversations, practical resources, and expert-led sessions covering topics such as business credit, cash flow, banking, accounting, funding readiness, technology, marketing, legal considerations, risk management, and sustainable growth.
Education may come from FSM leaders as well as financial professionals, business specialists, and selected experts within the FSM Money Table Network™. The focus stays practical: give business owners information they can understand and put to work.
Selected network partners may also contribute educational programming to the Academy when their expertise can genuinely benefit business owners. That could mean teaching entrepreneurs how to understand a financial product, use a business platform more effectively, prepare for a funding opportunity, navigate a particular business challenge, or better understand an area of their operations.
Partner-led education should always begin with usefulness, not a sales pitch. When done well, it gives businesses access to specialized knowledge while giving trusted organizations a meaningful way to contribute to the FSM community.
Small businesses create jobs, generate income, serve neighborhoods, and give people another path toward ownership and economic mobility. But too many businesses are trying to grow while also learning the financial side of entrepreneurship through trial and error. Capital Access™ exists to make that learning curve a little less expensive and a lot more useful. When business owners understand their numbers, build stronger systems, and know what funders are looking for, they can make better decisions before they ever submit an application. And when more businesses are built to last, the impact reaches beyond the owner.
Business owners and leaders share how FSM education has influenced the way they think about money, planning, opportunity, and growth.
“I completely transformed how I think about money and opportunity. Their education has sharpened my financial decisions, boosted my confidence, and helped me better support the people who rely on me.”
“FSM helped streamline my entire approach from business planning to client communication. The results have been incredible, and my clients are noticing the difference.”
“I was skeptical at first, but FSM changed how I do business and plan for growth. Their lessons so truly match their promise.”
FSM partners with organizations that want to help entrepreneurs, small businesses, and nonprofits become financially stronger and better prepared for growth. That may include sponsoring an FSM Credit to Capital™ cohort, supporting Academy programming, joining the Money Table Network™, providing participant scholarships, or developing an initiative around the needs of a specific business community.
If your organization is working to expand entrepreneurship, capital readiness, or sustainable business ownership, we would love to talk.
We expand access to education and support that help people prepare for financial decisions, businesses prepare for opportunity, and communities build greater stability. Donations and partner contributions cover the cost of our funded programs, keeping education and coaching free for participants.
These commitments guide how we build programs, form partnerships, direct resources, and expand access across every stage of community life.
We equip young people with practical financial knowledge early, helping them understand how money works, build healthy financial habits, avoid harmful financial cycles, and enter adulthood with greater confidence, clarity, and opportunity.
We help individuals and families address money trauma, strengthen their relationship with money, improve savings, reduce debt, build credit, prepare for emergencies, and make informed decisions that create security today and opportunity for future generations.
We help entrepreneurs, small and local businesses, nonprofits, and mission based organizations build financial strength. Through financial education, credit knowledge, capital readiness, and strategic resources, we help them improve cash flow, sustain operations, and prepare for growth that supports jobs and the communities they serve.
We partner with organizations, financial institutions, schools, businesses, and community leaders to expand access to education and resources that strengthen the financial health of individuals, families, and businesses nationwide.
A job changes. A car needs a major repair. A medical bill arrives. A business hits a slow month. Without savings, reliable information, or a clear plan, one difficult moment can create financial consequences that last for years.
Accessible education cannot remove every financial challenge, but it can give people stronger preparation, clearer choices, and greater confidence about what to do next.
We connect education with practical tools, coaching, community partnerships, and opportunities to apply what is learned.
Total U.S. credit card balances in the first quarter of 2026. High revolving debt can crowd out emergency savings and other financial priorities.
Source: Federal Reserve Bank of New Yorkof U.S. adults would not cover a $400 emergency entirely with cash, savings, or a credit card paid off at the next statement. Building savings can help reduce reliance on borrowing when an unexpected bill arrives.
Source: Federal Reserveof U.S. adults had less than three months of living expenses saved, leaving little or no cushion for a job loss, medical cost, or major repair. That rises to 64% among adults ages 18 to 34.
Source: FINRA FoundationOur goal is to help 100,000 people gain practical financial knowledge and support that strengthens everyday decisions, business readiness, and community wellbeing.
Help someone move from uncertainty toward a clearer plan. This fund supports free financial education, coaching, workshops, and resources for youth, adults, families, entrepreneurs, small businesses, and nonprofits.
Through Financial Foundations™ and Capital Access™, your generosity helps people learn to manage debt, understand credit, build savings, and prepare for emergencies. It also helps business owners understand their finances and prepare for opportunities to grow.
Your support also helps make Financial Freedom Community Care possible, so individuals and families facing financial challenges can connect with education, coaching, and community support. The goal is greater stability and less stress around everyday financial decisions.
A significant portion of your contribution will support college scholarships for students pursuing degrees in economics, finance, business, and related fields at community colleges, public universities, and private colleges.
The remaining funds will support free financial education, original content, workshops, events, and community learning for youth, schools, adult groups, families, and communities.
Your generosity will help students pursue higher education while giving more people access to practical guidance on credit, debt, saving, emergency funds, investing, and making better financial decisions.
Helps schools, nonprofits, employers, and organized community groups bring mission aligned financial education or resources to a defined audience. Support may include funded programming, resources, or another approved educational use.
Discuss Community AccessJoin the Financial Freedom Giving Community and choose a recurring gift level that works for you. Your monthly support helps sustain education, coaching, workshops, and resources that keep our funded programs free for participants. Explore Monthly Giving.
Request support for yourself or nominate an individual or family who could benefit from financial education, coaching, and community support. Whether the goal is managing credit card debt, improving a budget, addressing overspending, or simply understanding money better, we’re here to help people find a practical next step.
Through the Financial Freedom Community Care Program, participants may receive guidance to build healthier money habits, strengthen credit, grow savings, and feel more confident about everyday financial decisions.
Support may also help people navigate a major life event affecting their finances, such as a change in employment, unexpected medical expenses, or the loss of a loved one. Financial education and coaching can help them understand their options and work toward greater stability.
Share a brief overview below. Our team will review each request and explore available support based on the person’s needs and program capacity.
Education and coaching provided through this program are free, made possible by donors, education funds, partners, and volunteers.
Our impact index is built around access, participation, delivery, outcomes, and responsible stewardship.
Your support helps people get financial guidance they might otherwise go without. You can help cover the cost, share your time, or bring education and expertise to your community.
Explore free videos, newsletters, and conversations to help you manage money, understand credit, and prepare for business growth. Donors and partners make this education available, so you can keep learning without adding another expense.
Practical personal finance education around spending, saving, credit, debt, investing, and everyday money decisions.
Subscribe To Mind Your MoneyLearn about budgeting, saving, credit, debt, and investing through free, practical videos.
Subscribe To Our Learning HubWatch educational sessions led by Darrin Harvey and FSM partners, advisors, and guests, or explore ways to bring a live financial education experience to your audience.
Explore Webinars & Live EventsListen to practical conversations about personal finance, entrepreneurship, business funding, resilience, and the financial decisions behind building something stronger.
Listen To The FSM PodcastExplore business credit, cash flow, funding readiness, and the financial decisions that help entrepreneurs build stronger businesses.
Read Mind Your BusinessJoin designated free workshops, webinars, and community events supported by donations, our education funds, and partners who contribute their time and expertise at no charge. Contact us to learn about upcoming opportunities.
Ask About Upcoming EventsEvery purchase helps make financial education available to more people. All proceeds from our book, workbook, and future resources go directly to the corresponding FSM fund, supporting free educational programs, content, podcast episodes, events, scholarships, business coaching, and the development of new free resources.
A practical guide to budgeting, saving, credit, debt, and investing. All proceeds help fund free FSM education, podcast programming, content, and events.
Get The Book
A guided workbook for organizing expenses, identifying patterns, and creating practical next steps. All proceeds help fund free FSM education, podcast programming, content, and events.
Get The WorkbookLearn with our founder Darrin Harvey, our strategic partners, and featured guest speakers through webinars, interviews, workshops, and live conversations on personal finance, business credit, capital readiness, and everyday financial decisions.
Explore budgeting, saving, credit, debt, investing, financial habits, and the everyday decisions that shape your financial life.
Explore business credit, funding, cash flow, capital readiness, operations, and the financial choices behind sustainable growth.
FSM sessions combine Darrin's lived experience and work as a financial educator with insights from strategic partners, advisors, subject-matter experts, and guests. The goal is to make complex financial topics easier to understand and more useful when real decisions have to be made.
Our free educational sessions and video library are made possible by donors, program funding, and partners who share their time and expertise so cost does not stand between you and useful financial guidance.
A practical learning session designed to make financial ideas easier to understand and apply.
Go deeper with a full conversation created to turn financial education into clearer thinking and stronger next steps.
Explore practical ideas for navigating money, business, opportunity, and financial decision-making.
Learn through a conversation built around the financial questions, opportunities, and decisions people and businesses face every day.
We collaborate with schools, employers, nonprofits, community organizations, financial institutions, and businesses to bring practical financial education to their audiences, virtually or in person.
True financial progress requires education, community support, funding, and trusted expertise. We partner with organizations committed to expanding our mission, programs, initiatives, and events so more people can access financial education, families can build stability, businesses can grow, and communities can create lasting economic opportunity.
FSM works with corporations, financial institutions, foundations, government agencies, schools, nonprofits, employers, community groups, and subject matter experts to identify the most useful way to serve a specific audience.
Every partnership begins with the people and communities we want to reach. From there, we align shared goals, available resources, and the right program or initiative to create value that can be sustained beyond a single event.
Your funding and contributed expertise help keep our education and coaching programs free for participants. Unrestricted funding gives us the greatest flexibility to expand our programs and deepen our community impact nationwide. We also welcome support for new programs, courses, and offerings that reflect priorities we share with our partners.
Partners can also contribute through employee volunteer teams, technical expertise, products, services, and educational resources. Benefits such as discounts for the people and businesses we serve can extend that support beyond a workshop or program and help our community put more of what they learn into practice.
What do you want to help create for the people you serve? You might help a family get reliable financial guidance, bring a workshop to your employees, or give business owners access to expertise they could not otherwise afford. We can shape your involvement around your team’s strengths, the resources you can share, and the community you want to reach.
Fund a Financial Foundations™ or Capital Access™ cohort, workshop, scholarship, or community learning series.
Bring financial education to students, employees, members, families, entrepreneurs, or neighborhoods you already serve.
Contribute subject matter expertise, facilitators, mentors, event support, technology, communications, or operational capacity.
Develop a local, multi market, or national initiative around financial wellbeing, business readiness, or economic mobility.
The strongest partnerships combine funding, access, expertise, and trusted community relationships. Whether the work begins with one workshop or grows into a nationwide initiative, we focus on creating education and support people can use.
For event partnerships, contact events@financialstateofminds.org. For broader partnerships, contact partnerships@financialstateofminds.org.
Our partner network extends financial education into business credit, consumer credit tools, tax education, bookkeeping, youth development, leadership development, marketing, coaching, and other areas that support the people and communities we serve.
Each featured organization is reviewed for experience, credibility, mission alignment, and the ability to provide meaningful value. Partners remain separate organizations and are responsible for their own services, eligibility, pricing, agreements, licensing, privacy practices, and professional obligations.
E-FIX CREDIT, INC. supports startups and small to mid-sized businesses with business credit education, credit-building technology, lender readiness, and access to funding resources. This relationship expands the specialized support available to entrepreneurs and business owners within the FSM community.
E-FIX Credit
Strategy Hackers® helps organizations align strategy, story, systems, marketing, and execution. Its expertise strengthens FSM’s capacity across brand positioning, organizational strategy, business development, and the systems needed to expand our work and reach more communities.
Strategy Hackers®
Warrior Development Institute is an Indianapolis nonprofit that supports young people through mentoring, education, leadership development, life skills, and community programming. FSM collaborates with WDI to develop and deliver financial education that helps young people begin building sound money habits earlier in life.
WDI
The Successful Wives Network™ is a nonprofit leadership development organization serving professional wives and women through education, coaching, facilitated learning, and community-building experiences. FSM collaborates with TSW Network™ on financial education, workshops, webinars, speaking engagements, and business education that support women across their personal and professional lives.
TSW Network™
SPRK Coaching & Consulting provides business consulting, career, life, and leadership coaching rooted in proven Maxwell Leadership methods. The firm helps individuals and organizations move in the direction of their goals, expanding the coaching and leadership support available through FSM’s broader network.
SPRK Coaching & Consulting
Marenco Taxes LLC is a professional tax preparation and bookkeeping firm. Jessica Marenco collaborates with FSM by providing tax education, bookkeeping resources, support for FSM’s tax preparation eBook series, workshops, webinars, seminars, and referral services.
Marenco TaxesFSM also collaborates with experienced professionals who volunteer expertise through workshops, speaking engagements, educational content, and referrals.
Independent insurance professional affiliated with MassMutual.
Partnership Overview
DaShawn volunteers her expertise to provide life insurance and financial protection education through FSM programming. She collaborates with FSM on workshops, webinars, speaking engagements, and educational events that help participants better understand protection planning and the role insurance can play in a broader financial strategy. When appropriate, participants can also connect with DaShawn for additional professional guidance.
Financial advisor professionally affiliated with Edward Jones.
Partnership Overview
Cliff volunteers his expertise to provide financial literacy, investing, and wealth management education through FSM programming. He collaborates with FSM on workshops, webinars, speaking engagements, and educational events that help participants better understand long-term planning, investing fundamentals, and wealth-building concepts. When appropriate, participants can also connect with Cliff for additional professional guidance.
We look for partners with relevant expertise, clear practices, respect for participants, and the ability to follow through. Organizations and professionals in the network remain responsible for their own services, eligibility, pricing, agreements, licensing, privacy practices, and professional obligations.
Give your time, experience, or professional skills to help more people understand money, prepare for opportunity, and build stronger futures. Volunteers help us reach youth, families, entrepreneurs, and communities through financial education, small business empowerment, events, and the work that keeps each program moving. Alongside donor funding, your contribution helps keep our educational programs free for participants.
People often learn best from someone willing to meet them where they are. A volunteer can make a money lesson feel less intimidating, help an entrepreneur see the next step more clearly, or make sure a community event feels organized and welcoming.
Some roles involve teaching or mentoring. Others rely on outreach, administration, content, technology, or event support. We match volunteers with opportunities based on program needs, experience, availability, screening, and participant safety.
Help young people understand how money works before they are forced to learn through costly mistakes. Volunteers support practical lessons on budgeting, saving, responsible spending, credit, goals, and financial confidence.
Share useful experience with entrepreneurs who are strengthening their finances, operations, business credit, capital readiness, and plans for sustainable growth.
Help our in person and virtual workshops, community events, campaigns, and learning sessions feel organized, welcoming, and ready to serve people well.
We are growing in person volunteer relationships in Oakland, San Francisco, Stanford and Palo Alto, Chicago, Indianapolis, Nashville, and Tucson. Virtual roles also allow people to support FSM programs and communities from across the country.
Share your interests, experience, and availability. We will use that information to connect you with volunteer opportunities as programs, events, and local needs take shape.
Questions? Email volunteer@financialstateofminds.org.
FSM works with individuals and families who want to better understand their money and decide what to work on next. We support entrepreneurs and small businesses working to strengthen credit, improve financial readiness, and prepare for capital. We also help organizations bring practical financial education to their employees, members, students, and communities.
We welcome mission-aligned partners, sponsors, funders, and experts who want to support scholarships, collaborate on programming, or help us expand financial education locally and nationwide. Tell us what you have in mind, and we’ll connect you with the right program, conversation, or next step.
Our funded education and coaching programs are free for participants, with costs covered by donors, education funds, and partners who contribute their time and expertise.
Share a little information about what you are looking for. You do not need to know exactly which program or opportunity fits before reaching out.
Join the Financial Freedom Giving Community and choose a recurring gift level that works for you. Your monthly support helps sustain education, coaching, workshops, and resources that keep our funded programs free for participants. Explore Monthly Giving.
Request support for yourself or nominate an individual or family who could benefit from financial education, coaching, and community support. Whether the goal is managing credit card debt, improving a budget, addressing overspending, or simply understanding money better, we’re here to help people find a practical next step.
Through the Financial Freedom Community Care Program, participants may receive guidance to build healthier money habits, strengthen credit, grow savings, and feel more confident about everyday financial decisions.
Support may also help people navigate a major life event affecting their finances, such as a change in employment, unexpected medical expenses, or the loss of a loved one. Financial education and coaching can help them understand their options and work toward greater stability.
Share a brief overview below. Our team will review each request and explore available support based on the person’s needs and program capacity.
Education and coaching provided through this program are free, made possible by donors, education funds, partners, and volunteers.
Our impact index is built around access, participation, delivery, outcomes, and responsible stewardship.
Your support helps people get financial guidance they might otherwise go without. You can help cover the cost, share your time, or bring education and expertise to your community.
Last updated: September 8, 2026
These Terms of Use govern your access to financialstateofminds.org and the online content, resources, forms, and services made available by Financial State of Minds, Inc. ("FSM," "we," "us," or "our"). By using the site, you agree to these terms. If you do not agree, please do not use the site.
FSM is a nonprofit financial-education organization. Site content is provided for general educational and informational purposes only. It is not individualized financial, investment, tax, legal, accounting, lending, credit-repair, insurance, or other professional advice and does not create a professional-client or fiduciary relationship.
Program availability, eligibility, schedules, capacity, fees, scholarship support, and community-grant support may change. Submitting an inquiry or application does not guarantee admission, funding, an award, or a particular result. Paid books, workbooks, coaching, cohorts, workshops, and other mission-related offerings are purchases unless a charitable contribution is separately identified.
Donations support FSM's charitable mission. When a payment includes goods or services, only the amount exceeding the fair market value of those benefits may be tax-deductible. Donors should retain their receipt and consult a qualified tax professional regarding their circumstances.
Donations and certain purchases may be processed by Zeffy or another third-party provider. That provider's terms and privacy practices also apply to information submitted through its service. Recurring gifts continue according to the selection made with the payment provider until changed or canceled through the available provider process.
Organizations and professionals featured through FSM's partner network remain independent. Their services, fees, eligibility rules, licenses, agreements, privacy practices, and professional responsibilities are controlled by them, not FSM. A listing, collaboration, introduction, or referral does not create an employment, agency, joint-venture, fiduciary, or professional-client relationship and does not guarantee a result.
You may use the site for lawful personal, educational, and organizational purposes. You may not interfere with site operation, attempt unauthorized access, submit false or harmful information, misuse forms, impersonate another person, or copy and commercially exploit protected content without permission.
Unless otherwise stated, site content, program names, written materials, graphics, and other original materials are owned by or licensed to FSM and are protected by applicable intellectual-property laws. Limited personal use does not transfer ownership or grant permission to reproduce, sell, modify, or distribute the materials.
The site links to third-party websites and platforms for convenience. FSM does not control those services and is not responsible for their content, availability, security, terms, privacy practices, or actions.
The site and its content are provided on an "as available" basis. FSM does not promise that the site will always be uninterrupted or error-free, or that educational content, a program, a donation, a referral, or a partner service will produce a specific financial, credit, funding, business, or personal outcome.
To the fullest extent permitted by law, FSM is not liable for indirect, incidental, special, consequential, or punitive damages arising from use of the site, reliance on general educational content, or use of a third-party service. Nothing in these terms excludes liability that cannot lawfully be excluded.
FSM may update these terms by posting a revised date on this page. Questions may be submitted through the FSM contact page.
Last updated: September 8, 2026
When you use the contact form, apply for support, register for a program, make a donation, purchase a resource, subscribe, or otherwise communicate with FSM, information may include your name, email address, phone number, organization, website or professional profile, city and state, areas of interest, participation preferences, timeline, referral source, message, and any other information you choose to provide.
Please do not submit Social Security numbers, bank-account numbers, passwords, full payment-card numbers, or other highly sensitive financial information through the general contact form.
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FSM may share information with service providers that support hosting, forms, email, scheduling, payments, program delivery, recordkeeping, security, and similar operations. Information may also be shared when you ask FSM to connect you with an independent partner, when required by law, or when reasonably necessary to protect rights, safety, and site integrity. FSM does not sell personal information for money.
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This general-audience site is not directed to children under 13, and FSM does not knowingly collect personal information online from children under 13 without appropriate consent. A parent or guardian who believes a child submitted information may contact FSM to request review or deletion.
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Last updated: September 8, 2026
Content from Financial State of Minds, Inc., including articles, videos, podcasts, newsletters, workshops, webinars, books, workbooks, tools, calculators, coaching, and program materials, is provided for general educational and informational purposes. It is not individualized financial, investment, tax, legal, accounting, lending, credit-repair, insurance, or other regulated professional advice.
Using this site, attending an educational program, submitting a form, or communicating with FSM does not by itself create an attorney-client, accountant-client, investment-adviser, lender-borrower, credit-repair, fiduciary, or other regulated professional relationship.
Financial and business decisions involve risk. Laws, lending standards, credit models, product terms, market conditions, and individual circumstances can change. FSM does not guarantee credit-score changes, debt reduction, loan approval, funding, savings, investment performance, business growth, eligibility, or any other specific outcome.
National statistics explain the broader need for financial education. Our impact goals and milestones show the reach we are working toward, while FSM's direct results are shared through our impact reporting.
Testimonials describe individual experiences. They are not promises that another participant will receive the same result.
Independent organizations and professionals may contribute education or offer separate services. FSM does not control their advice, services, fees, eligibility, licensing, privacy practices, or outcomes. Users should review provider terms, verify credentials where appropriate, and make their own informed decisions.
Before making a significant financial, investment, tax, legal, credit, lending, insurance, or business decision, consider consulting an appropriately qualified professional. Questions about this disclaimer may be submitted through the FSM contact page.
Financial guidance can make a difference when someone is trying to get ahead or recover from a difficult season. Your gift helps Financial State Of Minds provide free education and coaching, support college scholarships, and bring useful financial knowledge into more communities. Choose where you want to help below.
Help someone move from uncertainty toward a clearer plan. This fund supports free financial education, coaching, workshops, and resources for youth, adults, families, entrepreneurs, small businesses, and nonprofits.
Through Financial Foundations™ and Capital Access™, your generosity helps people learn to manage debt, understand credit, build savings, and prepare for emergencies. It also helps business owners understand their finances and prepare for opportunities to grow.
Your support also helps make Financial Freedom Community Care possible, so individuals and families facing financial challenges can connect with education, coaching, and community support. The goal is greater stability and less stress around everyday financial decisions.
A significant portion of your contribution will support college scholarships for students pursuing degrees in economics, finance, business, and related fields at community colleges, public universities, and private colleges.
The remaining funds will support free financial education, original content, workshops, events, and community learning for youth, schools, adult groups, families, and communities.
Your generosity will help students pursue higher education while giving more people access to practical guidance on credit, debt, saving, emergency funds, investing, and making better financial decisions.
Help Keep Financial Education Within Reach, Month After Month.
A monthly gift gives this work a dependable foundation. It helps FSM plan coaching, cohorts, webinars, and workshops while continuing to create podcasts and resources people can return to as their needs change.
For someone learning to manage debt, build an emergency fund, or strengthen a small business, continued access to education can help them keep moving forward. Together, monthly givers help keep our funded programs free for participants.
Join The Giving CommunityA family can learn how to organize expenses after a difficult season. An entrepreneur can better understand cash flow before pursuing capital. A student can receive help continuing their education. Your contribution supports the education and opportunities behind those next steps.
Our funded education and coaching programs are free for participants. Donations help cover the staff, resources, and program delivery needed to provide that support.
Complete your gift using the corresponding Zeffy form above, or open its dedicated giving page using the link provided. Financial State Of Minds, Inc. is a 501(c)(3) nonprofit organization. EIN: 39-4424877.
Help people feel supported as they learn. Share your time and skills through workshops, youth education, small business programs, community events, or virtual learning.
Explore opportunities for individuals, groups, and company teams, from one event to regular support.
Explore Volunteer OpportunitiesBring financial education to the people you serve. Sponsor a program, host a workshop, contribute professional expertise, or help build an initiative around your community’s needs.
Connect your organization’s resources with opportunities to help families and businesses build stronger financial futures.
Explore Partnership OpportunitiesJoin the Financial Freedom Giving Community and choose a recurring gift level that works for you. Your monthly support helps sustain education, coaching, workshops, and resources that keep our funded programs free for participants. Explore Our Giving Community.
Request support for yourself or nominate an individual or family who could benefit from financial education, coaching, and community support. Whether the goal is managing credit card debt, improving a budget, addressing overspending, or simply understanding money better, we’re here to help people find a practical next step.
Through the Financial Freedom Community Care Program, participants may receive guidance to build healthier money habits, strengthen credit, grow savings, and feel more confident about everyday financial decisions.
Support may also help people navigate a major life event affecting their finances, such as a change in employment, unexpected medical expenses, or the loss of a loved one. Financial education and coaching can help them understand their options and work toward greater stability.
Share a brief overview below. Our team will review each request and explore available support based on the person’s needs and program capacity.
Education and coaching provided through this program are free, made possible by donors, education funds, partners, and volunteers.
Our impact index is built around access, participation, delivery, outcomes, and responsible stewardship.
Your support helps people get financial guidance they might otherwise go without. You can help cover the cost, share your time, or bring education and expertise to your community.
