Maria found food. But Friday she cashes her paycheck at the place on the corner — $12 gone, every week. That's $624 a year paying for something a bank account does for free. Her landlord raised the rent last month. She doesn't know if that's legal. She signed the lease in English and isn't sure what it says. The credit card she opened to cover a car repair charges 26% interest — she pays $35 a month and the balance doesn't move.

The systems around Maria aren't broken. They're working exactly as designed — for someone else. Understanding how they work is the first step to making them work for her.

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How Money Works

Khan Academy — Financial Literacy Free

Self-paced course covering budgeting, credit, taxes, investments, and fraud. Video lessons and practice. Completely free, no account required to browse. Mobile app available.

FDIC Money Smart Free 7 languages

14 interactive money management topics. Not copyrighted — free to use, share, and adapt. Available in English, Spanish, Chinese, Hmong, Korean, Vietnamese, and Russian.

CFPB Consumer Tools Free Español

From the Consumer Financial Protection Bureau. "Your Money, Your Goals" toolkit. Financial well-being questionnaire. Ask CFPB knowledge base. Open complaint database to check your lender.

MyMoney.gov Free

One-stop portal aggregating financial tools from 20+ federal agencies. Earning, saving, protecting, spending, borrowing — organized by life event.

📺 Watch: FDIC Money Smart Overview

Free financial education from the FDIC — banking, saving, spending choices. Available in 7 languages.

FDIC · 4 min 💬 Discuss money & credit →

📺 Watch: Understanding Credit — CFPB Series

Short videos from the Consumer Financial Protection Bureau. How credit works, what hurts your score, how to build it.

CFPB · Multiple short videos 💬 Discuss credit & debt →
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How Government Works

iCivics Free

20+ interactive games about how government works. No login needed. Works on any device. Founded by Justice Sandra Day O'Connor. Used by 9 million+ students — and works just as well for adults.

Vote.org Free Español

Register to vote. Check your registration status. Request an absentee ballot. Find your polling place. Available in English and Spanish. Mobile-first.

GovTrack.us Free

Track what Congress is doing. See who voted for what. Follow specific bills. All data is public domain and open source.

OpenSecrets Free

Follow the money in politics. See who funds your representatives, how much they spend, and where it comes from. Data under Creative Commons license.

📺 Watch: How a Bill Becomes a Law

Crash Course Government — the legislative process in 7 minutes. Clear, engaging, nonpartisan. 2.5M+ views.

CrashCourse / PBS · 7 min 💬 Discuss civic education →
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Know Your Community

Census Reporter Free

Look up your community's demographics, income, housing, education, and health data. Search by zip code, city, or neighborhood. Updated with 2024 American Community Survey data.

USASpending.gov Free

Where federal money goes. Search by zip code, agency, or program. See how much funding your community receives. No API key required.

County Health Rankings Free

How healthy is your county compared to others? Rankings for every US county, plus evidence-based strategies for improvement. A tool for communities that want to know what to work on.

Maria knows her rights now. She opened a free bank account. She read her lease. But she still doesn't know that Ana — three blocks away — has extra food from her garden, knows a lawyer who helps with leases, and watches kids on Thursday afternoons. The problem was never scarcity. It was that neighbors who could help each other couldn't find each other.

How do they find each other? →

Every resource on this page is free. No account. No data collected.