The wealth gap is widening at an accelerated rate.

Disparities in education, community resources, and family background have created a wealth gap that is perpetuated by the lack of financial fluency in low wealth communities.

Financial fluency is an investment that pays dividends throughout your life. Budgeting, saving, investing, and avoiding debt unlocks financial freedom for families today and their future generations.

The U.S. Census Bureau defines wealth as, “The value of assets owned minus the value of debts owed. It provides economic security, serving as a source of liquidity during times of unstable income or in the face of unexpected expenses, and opportunities for upward mobility.”

According to the U.S. Census Bureau’s Survey of Income and Program Participation (SIPP),

• Households with a White, non-Hispanic householder had 10 times more wealth than those with a Black householder in 2021.
• Households with a White householder made up 65.3% of all U.S. households and held 80.0% of all wealth in 2021.
• Those with a Black householder made up 13.6% of all U.S. households but held only 4.7% of all wealth. And their median wealth ($24,520) was about one-tenth the median wealth of households with a White householder ($250,400).

Imagine a world where financial fluency unlocks your dreams.

Equal access to financial education, services, and support creates a level playing field. This isn’t about a one-size-fits-all approach. Whether it’s launching a business, owning a home, or achieving debt freedom, everyone deserves the tools to write their own financial success story.

At CFFL, we believe financial fluency is the key, and it’s a fundamental human right.

We’re taking action

Born from the unwavering commitment of mission-driven individuals and organizations, we’ve spent years crafting a powerful solution: the Champions for Financial Legacy program.

CFFL dismantles barriers, not dreams. Through our highly practical and effective financial education, we empower students and communities to achieve the financial fluency and security they never thought possible.

We believe, without question, that a better future is possible while creating a legacy that transcends generations.

This is the future CFFL creates, empowering one student at a time.