Financial Literacy Is a Birthright®
Strengthening Communities With Practical Money Skills
We show up with understanding, cultural sensitivity and lived experience creating learning spaces that feel safe,
Financial Literacy Is A Birthright®
Financial Literacy Is a Birthright®
We show up with understanding, cultural sensitivity and lived experience creating learning spaces that feel safe,
Financial Literacy Is A Birthright®
COST IS NEVER BARRIER!
CMMA delivers financial education that is measurable, culturally sensitive and rooted in real‑life experience.
Our trauma‑aware approach makes learning feel safe, relatable and actionable. Partnering with CMMA helps you expand access, strengthen financial confidence & create lasting community.
Our approach is always collaborative. We listen, we learn, and we tailor our support to align with your mission because your community deserves financial education that reflects your communities' realities and uplifts their future.
We gather deep insight about your organization, clients and environment to understand who you are serving and what they need, so the program is relevant, inclusive and realistic.
DEFINE
We collaborate to establish clear, measurable outcomes based on what was learned in Discovery ensuring the objectives match the organization's goals clarifying success indicators.
This step creates the blueprint for the entire initiative.
DESIGN
This is where we shape the learning experience with intention choosing culturally relevant curriculum, trauma‑aware delivery methods and engagement strategies that honor lived experience. Every element is designed to feel safe, relatable, and actionable, ensuring participants can immediately apply what they learn in real life.

At CMMA, we believe financial education is a birthright, and it must honor the cultural realities, lived experiences, and emotional journeys of the people we serve. Our approach is culturally sensitive, trauma‑aware, and grounded in real life, so every lesson feels relatable, respectful and immediately useful. We are here with no agenda other than supporting upward economic mobility and restoring financial decision confidence in underserved communities.
Community‑Based Organizations are essential partners in this work. You show up with a genuine commitment to improving lives, and we stand with you in that mission. Together, we can expand access, uplift families, and create lasting change for the communities that need it most. Cost Is Never A Barrier.
We are committed to delivering financial literacy education that honors the lived experiences, strengths and aspirations of the communities you serve. Our resources and tools are custom designed to help community‑based organizations empower their clients with knowledge and skills that supports long‑term financial capability, confidence and stability align with your organization's mission. Our service comes complete with a Case Study Report. Cost Is Never A Barrier.
From interactive learning materials to fully customized financial capability solutions that include a comprehensive Case Study Report, our programs are built with cultural sensitivity, trauma awareness, real‑world relevance and community needs at the center. Whether you are strengthening an existing program or creating a new one, we work alongside you to expand your reach and support lasting, meaningful change.
Our approach is always collaborative. We listen, we learn, and we tailor our support to align with your mission because your community deserves financial education that reflects your communities' realities and uplifts their future.
Community-Based Organizations "click the link" to
Full Comprehensive Program Includes Case Study Report
Our philanthropic mission is to provide access to all under-resourced communities and cost is never a barrier.
We are fanatical about the fact that everyone deserves to have financial wellness and financial freedom.
Financial Literacy Is A Birthright®
We use the FREE programs to gather data to build Case Study Reports that we can use for Marketing, Sponsorships and Fund-Raising initiatives to further serve communities on a large scale.
Cultrually-Sensitive & Trauma Aware First-Rate Financial Literacy/Personal Finance Curriculum that offers Free comprehensive programming for Non-Profit, Community-Based Organizations that includes a Case-Study Report.
Terraine, Founding Executive Director of CMMA

Cash Money Matters (CMMA) Certified Instructors meet the standards set by the Framework for Teaching Accredited Personal Finance and Financial Literacy Education.
Our instructors inspire, connect with and encourage participants to take proactive steps toward improving their finances.
Our instructors have demonstrated expertise on the content and instructional techniques to maximize the participant's success.
Our standards provide public assurance that we uphold the highest level of professional practice and are fully equipped to measure and demonstrate program impact.
We, also, train & certify educators and individuals to effectively teach personal finance topics that change financial behaviors for economic sustainability. Click here for more information

After attending a Cash Money Matters Academy (CMMA) financial literacy program, participants know that money is a tool that allows them to live a life of economic well-being (regardless of income) and realize their financial goals and dreams!
Participants gain financial confidence and the skills to create financial security, strengthening their overall financial capability to make sound financial decisions and develop a saver's identity for upward economic mobility.
We help participants build the confidence to save and take simple and accessible steps toward understanding how money grows is one of the most powerful ways to break the cycle of living paycheck to paycheck. Our culturally sensitive, trauma‑aware approach makes financial skill feel relatable, safe, achievable and empowering every participant to create a brighter, more stable future.
We also serve home school students.
Community-Based Organizations "click the link" to
Full Comprehensive Program Includes Case Study Report
We also offer complimentary pilot program complete with Case Study Report
At Cash Money Matters Academy, we operate from a collaborative, team-based approach with our partners -- consistently exceeding expectations through shared vision, mutual respect and measurable impact. We champion the pursuit of excellence in our learning sessions and beyond.
It's never one and done! After attending just one session, participants have life-time access to our financial education resources for continued support on one's journey to financial wellness. We foster critical thinking and prioritize active learning over memorization, empowering participants to understand how money truly works for immediate action steps and financial sustainability.
Through engaging, real-world financial literacy education, learners develop the confidence and skills to make smart money decisions.
Building Financial Confidence to Make Good Money Decisions
Relatable, Curricula that meet State Mandates
Home school students are welcome!
Not to worry! We meet the participants where they are. We offer a variety of customizable, high-quality financial literacy/personal finance education programming designed to prepare participants for their next step on their journey to financial wellness. We use comprehensive measurement tools to demonstrate our financial literacy/personal finance education programs' positive impact on modifying behavior for immediate action steps for a life of upward economic mobility. Case Study Report is provided to all partners and community allies.
Curriculum Meets Core Education Standards and Address State Mandates
Building Financial Confidence in Underserved Communities
Financial Literacy Is A Birthright®
Financial literacy is a personal passion for Terraine and believes it is the most important life skill necessary for quality of life and lifetime economic wellness. Terraine's core values are integrity, quality, teamwork and strives to exceed her client's expectations. She did not create Cash Money Mat
Financial Literacy Is A Birthright®
Financial literacy is a personal passion for Terraine and believes it is the most important life skill necessary for quality of life and lifetime economic wellness. Terraine's core values are integrity, quality, teamwork and strives to exceed her client's expectations. She did not create Cash Money Matters Academy for the money. Terraine did it because she believes Financial Literacy Is A Birthright® and everyone deserves financial well-being. Her programming is specifically designed to increase financial literacy capability and competency for all individuals in under-resourced communities.
Terraine is a visionary leader who harnessed her interpersonal skills and analytical acumen to drive positive change in the non-profit financial literacy education sector.
Terraine is a Certified Financial Education Instructor, a Certified Financial Literacy Professional, and an Accredited Personal Finance Instructor who has successfully designed, launched and implemented professional-level financial education programming.
The financial literacy programs Terraine designs do not merely dispense knowledge; they mold or modify participants' behavior to guide them toward a life of economic well-being. Participants complete real-world, project-based learning activities that build financial confidence to make good money decisions. Participants become competent in building secure futures.
Terraine's mission is to help close the wealth gap, through partnerships/collaboration with non-profit organizations to have a positive impact on the community they serve by building financial confidence. This is a critical component to creating an equal America.
Having completed over 2000 Professional Development hours of training makes Terraine amongst the most qualified to promote and implement financial literacy education programming.
She believes that focusing on mindset and behavior helps participants create financial plans and set practical action steps, providing them with a clear roadmap to achieve a bright financial future.
Community is essential to Terraine, and she offers Non-profit organizations a free customized program that aligns with their mission, client outreach and philanthropic goals -- Case Study Report provided.
Terraine designs and delivers cultally-sensitive, trauma aware, relatable and engaging financial literacy education programming that meets core education standards and address State mandates.
The design focus is to get participants to take action toward improving their finances and forming positive money habits.
Connecticut, United States
Cash Money Matters Academy
Connecticut, United States
Financial Literacy Is A Birthright®
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