Rashad Winston

This foundational program breaks down how credit actually works in a simple and practical way. Many students and adults are never taught how credit impacts their ability to rent, buy a home, get approved for loans, or even secure employment opportunities. In this session, audiences learn how credit scores are calculated, what credit reports really show, and how everyday financial decisions can either build or damage their credit over time. The goal is to remove confusion and replace it with clarity and confidence. Key Takeaways: Understanding credit reports and credit scores How credit impacts major life opportunities Common mistakes that lower credit scores Simple steps to start building or rebuilding credit

This program focuses on the growing issue of identity theft and online financial scams targeting students, families, and working professionals. In today’s digital world, one mistake online can lead to serious financial and credit damage. This session teaches audiences how scams operate, how personal information is stolen, and how to recognize warning signs before becoming a victim. Key Takeaways: How identity theft happens in real life Common online and social media scams targeting young people Warning signs of fraud and impersonation attempts Steps to protect personal and financial information

This program teaches audiences how to evaluate financial decisions beyond the price tag. Many people focus only on cost, without understanding the long-term value or consequences of their choices. This often leads to debt, poor credit decisions, and missed opportunities. Key Takeaways: The difference between cost and long-term value How financial decisions impact credit and future opportunities Why small financial choices can create big long-term consequences How to make smarter, more intentional spending decisions In this session, we break down how to think in terms of long-term financial impact rather than short-term spending. Attendees learn how credit, interest rates, and everyday financial habits can either build wealth or create financial setbacks over time. The goal is to shift mindset from emotional or impulsive spending to informed, value-based decision making that supports long-term financial stability.