Presented by Hon. John Ninfo II, US Bankruptcy Judge Western District of NY (Ret.) and Founder, Credit Abuse Resistance Education (CARE) Program

As a Federal Bankruptcy Judge for the Western District of NY, Judge Ninfo was absolutely shocked by what he saw. People from every demographic, age group, income level, educational level, and geographic area were making the same financial mistakes and not understanding how they were being taken advantage of by the financial industry. He concluded that we had a national epidemic of financial illiteracy. To combat this issue, Judge Ninfo founded the volunteer-driven CARE program, a national, nonprofit organization providing students and young adults with the skills they need to make smart financial decisions.