Over the years, as we hosted retirement and financial education seminars across South Carolina, a pattern became impossible to ignore: the need for clear, practical financial knowledge wasn't limited to a few—it was everywhere
The more we listened, the clearer it became that financial education shouldn’t be a privilege—it should be a right.
We realized people aren’t failing at money because they’re lazy or irresponsible. They’re struggling because no one ever taught them how to make money work for them.
That’s why PFFI was created:
Almost 40% of adults have less than $10,000 saved for retirement. More than 20% of adults aged 50+ have no retirement savings
Nearly 7 in 10 Americans can’t pass a basic financial literacy test.
Only 44% could cover a $1,000 emergency with savings.
Only 17 states require high school students to take a personal finance course before graduation.
Nearly 60% of Americans carry credit card debt, with an average balance of about $6,300.
Roughly 40% of Americans report feeling overwhelmed by debt.
Free Financial Education Where It Matters Most — Your Community
The Palmetto Financial Freedom Initiative (PFFI) offers free educational seminars for workplaces, churches, and community groups. You provide the space and the people — we'll take care of the rest.
Our mission is rooted in one simple belief:
Financial freedom begins with education.
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