Financial State of Minds (FSM) is a financial empowerment organization working to make practical money education and support accessible to people and communities nationwide. Its mission is to help individuals build healthier relationships with money, strengthen financial stability, and pursue opportunities to create lasting wealth. Donor and partner support allows participants in funded programs to receive services at no cost.

FSM serves young people, adults, families, entrepreneurs, small businesses, nonprofits, and communities through education, coaching, credit support, and capital-readiness resources. Its Financial Foundations™ program focuses on five areas of personal finance: budgeting, saving, credit, debt, and investing. Capital Access™ helps entrepreneurs, businesses, and nonprofits prepare for financing, growth, and sustainable operations. The organization also offers community care, live events and webinars, free educational videos through its Financial Learning Hub, and the Mind Your Money personal finance newsletter.

Through workshops, coaching, and practical resources, FSM aims to help people make informed financial decisions, prepare for emergencies, strengthen businesses, and build more resilient households and communities.