Welcome to the Phebe Foundation



Systematically and dramatically improve the working knowledge of every community with regards to money, finance, and capital. In so doing, apply an intergenerational approach to significantly decrease individual debt and increase personal savings thereby improving the overall quality of life of the people we are blessed to work with.

The Vision Statement: Be the financial change and improvement resource for individuals such that we positively impact the communities in which we engage.



The Phe’be Foundation is a non-profit 501c3 organization that teaches financial literacy education to members of our communities. As community servants, we have a responsibility to address the needs of our communities by standing in the gap, as it pertains to the lack of financial education in our schools and our homes.

Through collaborative efforts by members of our government and the business community, we strive to come together to participate in building financially stable families and communities through education, counseling, relationships and financial incentives. The focus of The Phe’be Foundation is the family.   Through a variety of classes and special programs, we educate, assist and empower our communities in achieving financial literacy.

Many think of Dr. Martin Luther King, Jr. as a voice for non-violent change and reform regarding race in America. It may, therefore be surprising to note that Dr. King’s recognized the inequality that existed with respect to money and finance;

1963, Dr. Martin Luther King, Jr. used insightful metaphoric phrasing to describe a plethora of inequalities that existed at the time when he stated the following.

“But we refuse to believe that the bank of justice is bankrupt. We refuse to believe that there are insufficient funds in the great vaults of opportunity of this nation. So we have come to cash this check — a check that will give us upon demand the riches of freedom and the security of justice. We have also come to this hallowed spot to remind America of the fierce urgency of now”.

The Phe’be Foundation believes that today, Dr. King would likely not be satisfied with the victories of “opportunity obtained” for all Americans. Dr. King would likely have moved on to champion an outcome of all Americans being able to manage the check of “opportunity obtained”, moving from just surviving with equal opportunity, but to thriving, having transformed the “opportunity obtained” into growth and achievement from generation to generation.





Financial Literacy is ...

Personal financial literacy is the ability to read, analyze, manage and write about the personal financial conditions that affect material well being. It includes the ability to discern financial choices, discuss money and financial issues without (or despite) discomfort, plan for the future, and respond competently to life events that affect everyday financial decisions, including events in the general economy.

Vitt, Lois A., Carol Anderson, Jamie Kent, Deanna M. Lyter, Jurg K. Siegenthaler, and Jeremy Ward. 2000. Personal Finance and the Rush to Competence: Financial Literacy Education in the U.S.