Know your money.
Own your power.
It's your money; you should have the power.
Don't wait until a financial emergency to make the right money moves; start changing the way you view money today for free. Powered by credit unions, made for you.
- 42,000+
- people coached
- $18M
- debt paid down
- 4.9★
- member rating
“What's your biggest financial regret?”
The state of our wallets
37%
of Americans couldn't cover a $400 emergency in cash
$1.2T
in U.S. credit card debt — an all-time high
21%+
average credit card APR — the highest on record
6 in 10
adults live paycheck to paycheck, across income levels
Don't trust the stats?
See what real people wish they avoided. Real answers from the street — no scripts, no actors.
Personal loan regrets and family assistance
Credit card regrets
Auto loan regrets
Student loan regrets
The product · live demo
Meet EmpowerFinance.
Your personal guide to breaking free from debt and achieving financial freedom — coaching, budgeting, debt payoff, and learning in one place.
Dashboard
Your financial overview at a glance.
Freedom score
72 / 100
Budget left
$285
Total debt
$82,000
Total saved
$1,270
Your goals
Next coaching session
Thu, Jul 23 · 4:00 PM with Jasmine R.
Since 2021
We started in Baltimore City, and now we are expanding.
KMKE launched in 2021 with Securityplus Federal Credit Union and a handful of neighborhood partners — sororities, churches, a school, and a snowball shop — meeting people where they already gathered. We funded partners directly, got neighbors banked, and turned seminars into real credit-union relationships.
- $10,000
- granted directly to five key community partners
- $350,000+
- in new loans generated through the program and seminars
- $50
- checking-account incentives to get members banked
- 2021
- launched in Baltimore City to close the banking-desert gap
2022
Mayor's Business Recognition Award
Recognized by the City of Baltimore for community impact through financial empowerment.
2023
Securityplus CSR Financial Wellness Leader
Paul Farrell honored for leading corporate social responsibility in financial wellness.
2023
MD|DC Emerging Leader
Named an Emerging Leader and panelist by the MD|DC Credit Union Association.
Launch program partners
As featured in
No fees · no upsells · no catch
Free for members.
Forever.
Our services cost you nothing — not now, not later. Partner credit unions and financial institutions fund the program to reach communities like yours. They invest; you build wealth. That's the whole model.
- Funded by credit unions
- No card required
- Cancel anytime (nothing to cancel)
KMKE Membership
Everything included$0 / forever
- Unlimited 1:1 sessions with a certified coach
- AI Advisor trained on your real numbers
- Budget, debt & savings tracking tools
- Courses, community & member events
- Better rates via credit-union partners
No credit card. No trial clock. Just help.
Why we exist
A new way to build wealth.
Know Money. Know Empowerment. is a nonprofit dedicated to eliminating financial deserts — bringing accessible, culturally relevant financial education, coaching, and tools to historically underserved communities.
Our goal: support 150,000+ people across the greater Baltimore–Washington, DC area by 2027
Our Mission
To eliminate banking deserts and empower underserved communities.
Our Vision
A generation of financially capable people who confidently build wealth, manage debt, and lead financially secure lives.
Our Beliefs
Everyone should have the tools to thrive financially — no matter their background.
Program services
Free help, four ways.
01
Financial Coaching
Free 1:1 coaching with certified financial coaches — with AI-powered support between sessions.
02
School Partnerships
Grassroots partnerships with DC & Baltimore high schools and colleges to reach students early.
03
Online Community
A member community to ask questions, keep up with money trends, and get advice from each other.
04
Financial Partners
A library of credit-union partners you can apply to directly for better loan and deposit rates.
The member journey
From first hello to homeowner.
Tap a step to see what happens there.
01 — Awareness
You hear about KMKE through community events, school partnerships, social media, or a friend. No pressure — just an open door.
In the community
“We don't just offer services — we provide a pathway to possibility.”
Launched in 2021 to combat financial insecurity and banking deserts in Baltimore City, KMKE was built on a simple idea: economic empowerment means equipping underrepresented and unbanked communities with the knowledge and tools to take control of their financial future.
We meet people where they are and help them get one step closer to where they want to be — empowering individuals to thrive on their own terms, beyond traditional bank standards.
Rolling out in waves across the DMV
Be first in line.
Join the waiting list and we'll save your spot — plus match you with a coach the moment your wave opens.
No spam. One email when your spot opens, that's it.