

What is Money Culture?
Money may not be the most important Resource, but it is the one that can cause us the most stress, fear, and restriction. Money is the one resource most necessary to our day-to-day survival and the one that creates - or denies - access to everything we want and need.
Society has always been very specific about who can have, keep, use, and grow money.
That’s Money Culture - it keeps a few at the top and everyone else under their control.
Things began to change in the mid-20th century after decades of hard work and tremendous sacrifice. Legislation such as the Civil Rights Act, the Voting Rights Act, the Fair Housing Act, and others allowed historically marginalized communities to finally begin to share in equal protections - at least on paper.
In reality, financial literacy, access, and inclusion are still lacking in many communities.
Those civil rights are still new and fragile, though. Too many people take them for granted and there is now a forceful effort to push us all back to a time when only the few had a say.
No, thanks! We are not available for those shenanigans.


How We Disrupt Money Culture
In order to disrupt that return to Money Culture, we need Education, Empowerment, and Empathy! Ditch the shame and blame and build your financial knowledge, skills, and confidence to take control of your resources.
Think about it: Where did you learn about Money? Did you even learn about Money?
Who shaped your values? How do you set boundaries, if you set them at all? Who gets your Time and Energy even when you don’t have it to give? Are you living in fear or fulfillment? Do the people in your world feel entitled to your Resources? Do they feel entitled to YOU as a Resource?
History repeats itself and you may be repeating behaviors or getting stuck in situations that hold you back even without realizing it. In order to break that cycle, you must understand:
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the internal - and often generational - mindsets that surreptitiously guide your decisions,
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the external sociopolitical factors that helped shape that mindset, and
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how they meet in your daily habits.
Oh, and in case you’re worried about this being boring or too technical, that’s not how we teach. We keep the humor and humanity in our history lessons, making them relevant to your life and weaving in astrology and tarot for support.
If the “woo” is not for you, that’s fine. There’s still plenty of “WOW, I didn’t know that!”


What is Financial Inclusion?
​Financial inclusion is more than having a good job or the opportunities created by generational wealth, although these certainly help. Bodily autonomy, voting rights, access to education, and employment protections ALL create financial inclusion with the ability to grow wealth and gain independence.
Financial inclusion also means having the ability to access financial services and products that work to further financial goals. Everyone has that safe and friendly neighborhood bank, right? RIGHT? Oh, wait - they don’t!
The reality is that not everyone has the same type of access to banking services, loans, financial literacy education, and other tools that will help them build wealth and independence. Systemic barriers are real and they include being unbanked or underbanked, having to use alternative financial services (like high-fee check cashing establishments or payday loans), and poor credit or no credit, which can mean lower loan amounts at higher interest rates.

We can’t change the way neighborhoods are built, but we CAN educate communities about financial literacy and empower members to build better credit. That is an excellent start.