National Institute for Financial Capability, a 501©3 nonprofit, unites Financial Capability Practitioners to drive lasting financial transformation by shifting habits and attitudes, not just providing education. We serve as a central hub for resources, networking, and industry insights, fostering a collaborative community dedicated to impactful change for vulnerable populations.
Financial Capability Practitioners are professionals committed to empowering individuals and families, especially those from vulnerable populations, to build long-term financial resilience and prosperity. These practitioners provide practical skill-building, support, and guidance that extend beyond traditional financial education, fostering sustainable financial habits and mindset shifts. They operate across a wide range of fields, including credit and debt counseling, financial coaching, housing counseling, community development, social work, education, workforce development, economic mobility, faith-based financial empowerment, and corporate social responsibility (CSR). Additionally, they include educators, government agency representatives, nonprofit leaders, bankers, and researchers, all working together to improve financial well-being and stability for diverse communities.
Mission
Our mission is to empower Financial Capability Practitioners to create lasting shifts in financial habits and attitudes, building a foundation of resilience and opportunity for vulnerable communities.
Vision
Our vision is a future where Financial Capability Practitioners empower every individual and family to achieve financial resilience, transforming communities through sustainable habits, attitudes, and access to resources.
Bill Mills is a dynamic and visionary leader deeply committed to transforming communities through innovative financial empowerment.
Bill's journey includes ten years of experience in the retail sector, followed by a decade in banking, and then thirteen years in the nonprofit world. He seamlessly blends his extensive background with his entrepreneurial spirit and creative storytelling prowess.
In his previous position at Florida Prosperity Partnership (FPP Coalition), he grew the partnership by 2000% and increased funding three-fold. Bill is renowned worldwide for his expertise in "Financial Edutainment", reaching viewers across six continents and all fifty states. He initiated a nationally renowned think-tank involving high school interns, producing innovative solutions and policy recommendations for personal financial capability.
His influence extends beyond borders; he played a pivotal role in consulting with a South Korean delegation to establish a financial empowerment movement for their entire country!
Bill's career is defined by his unique ability to bridge innovation with community engagement, inspiring prosperity for all and leaving an enduring legacy.
He is also the author of Benjamin Franklin's 13 Virtues: A Guide To Your True Prosperity!.
Cara Macksoud, FBS® is the CEO of Money Habitudes. She completed the Financial Therapy Graduate Certificate at Kansas State University and holds a BS in Finance from NYU Stern School of Business. She is a Certified Financial Behavior Specialist® and a member of the Financial Therapy Association where she serves on their business development committee. She is also a member of the Association of Financial Counseling and Planning Education (AFCPE) and is an AFC Certificant.
Prior to joining Money Habitudes, Cara was the CFO/COO for The Animation Project, an incentivized workforce development program for at-risk youth. Before her time in the nonprofit sector, Cara was an ETF trader for 12 years and, at the time, the youngest female to earn a trading seat on the floor of the NYSE.
Cara, the founder of Bank Roll’d, spearheads a nonprofit dedicated to financial literacy, extending education and mentorship to the unbanked, often marginalized by the traditional banking system.
Raised in a modest environment in Brooklyn, Cara faced the challenge of reconciling her humble upbringing with the extravagant lifestyle prevalent on Wall Street. This stark difference in money attitudes led her to initiate Relationship with Money workshops. These workshops facilitated participants in exploring their financial behaviors and attitudes toward risk. This venture laid the foundation for Cara’s growing career, now centered on the psychology of money to empower individuals in managing their financial well-being.
Cara resides in Florida with her husband and their five children enjoying the hot weather and hunting for shark teeth.
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