Financial struggles aren't just math problems—they're emotional ones. Carrie Joy Grimes' nonprofit WorkMoney has scaled to 9 million members by addressing both the numbers and the psychology behind money decisions, offering practical tools and collective bargaining power to help Americans earn more, save more, and spend intentionally. Shame-based money advice is counterproductive; advice that makes you feel bad about yourself won't create lasting behavior change, regardless of its technical correctness.