About Us
Wealthy Habits is a nonprofit organization dedicated to providing practical, real-world financial education to students through engaging, structured programs. We work with students at different stages of their development, delivering education through our own programs as well as in partnership with schools and community organizations. Our focus is on helping young people build confidence, make informed decisions, and develop skills they can carry into adulthood.
Our work is grounded in consistency, clarity, and long-term thinking. We are intentional about how programs are designed, delivered, and evaluated to ensure quality experiences for students and responsible stewardship of resources.
Our Mission
We equip youth from underserved communities with the money skills and mindset to break cycles of financial insecurity. We don’t just teach budgeting or saving, we cultivate wealthy habits that help young people envision, earn, and build better futures.
Our Vision
A future where young people are prepared to navigate financial decisions with confidence, independence, and a clear understanding of how money affects their lives and opportunities.
Our Story
Wealthy Habits was founded in 2012 with a simple but powerful goal: to make financial education relevant, practical, and accessible to young people. What began as a small program has grown into an established organization serving students through camps, school partnerships, and long-term cohort-based programs.
Over the years, the organization has expanded its reach by refining curriculum, strengthening partnerships, and developing repeatable program models. This growth has been guided by experience, data, and a commitment to quality rather than rapid expansion. Today, Wealthy Habits has served thousands of students nationwide and continues to evolve with a focus on sustainability and impact.
Leadership & Governance
Wealthy Habits is guided by an active Board of Trustees that provides oversight, accountability, and strategic guidance. The Board plays an important role in financial stewardship, compliance, and long-term planning, ensuring the organization remains aligned with its mission and operates responsibly.
Leadership and governance are structured to support continuity, shared responsibility, and clear decision-making. This approach helps ensure the organization can sustain its work and remain effective well into the future.
 Tracy Tanner
Founder/CEO
Tracy Tanner serves as President and CEO of Wealthy Habits, where she leads the organization’s strategy, operations, and program development. She joined the Jonathan D. Rosen Family Foundation in 2011 and was the original creator of the Wealthy Habits curriculum, guiding its growth from an initial pilot serving 30 students to an established organization that has reached more than 18,000 students nationwide.
With an entrepreneurial background and a deep understanding of the financial challenges families face, Tracy has built the systems, partnerships, and programs that support Wealthy Habits’ work today. She is currently focused on strengthening organizational infrastructure and governance to ensure the organization’s long-term sustainability and impact.
 Amy Hennessy
(Interim) Chair
Amy Hennessy is director of outreach and economic education at the Federal Reserve Bank of Atlanta. The Atlanta Fed provides programs in both economic and personal financial education aimed primarily at educators in the Sixth Federal Reserve District. Amy’s responsibilities include management of the Sixth District’s programs in community relations, economic and financial education, and outreach in addition to serving as curator of the Bank’s Monetary Museum.
Before joining the Atlanta Fed, Amy taught high school economics for twenty-four years in Augusta, Georgia. From 2006-2009, Amy served as an AP Economics reader for the College Board. She is a graduate of the Education Policy Fellowship Program’s class of 2012-2013. She was the Georgia Council on Economic Education’s 2009 Economics Teacher of the Year and is the Federal Reserve Bank of Atlanta’s 2017 President’s Award recipient. Amy has a BA in History from Augusta College.
 Michelle Stubbs
Treasurer
Michelle Stubbs is the Evaluation and Assessment Coordinator at Hiram High School. Ms. Stubbs is an education professional with an advanced business acumen, who offers a wealth of knowledge and real-world experience to enhance student learning.
Ms. Stubbs began the Financial Services pathway at Hiram High School, which also boasts a student-run credit union with business partner MembersFirst Credit Union. Her ambition is to continue creating an innovative and rigorous education for all Hiram High School Scholars.
Our Approach
Wealthy Habits operates with a lean, intentional structure designed to support consistency, accountability, and long-term effectiveness. Programs are delivered by trained instructors and supported by interns and volunteers working within clearly defined roles, using standardized curriculum and documented processes to ensure quality across all settings.
Our work is guided by a commitment to clarity, thoughtful growth, and meaningful impact. We create programs that are well-designed, repeatable, and aligned with student needs, while using resources responsibly and remaining accountable to students, partners, and donors. We believe lasting impact comes from doing fewer things well and building systems that allow the organization to operate efficiently and endure over time.
Looking Ahead
Wealthy Habits was founded in 2012 with a simple but powerful goal: to make financial education relevant, practical, and accessible to young people. What began as a small program has grown into an established organization serving students through camps, school partnerships, and long-term cohort-based programs.
Over the years, the organization has expanded its reach by refining curriculum, strengthening partnerships, and developing repeatable program models. This growth has been guided by experience, data, and a commitment to quality rather than rapid expansion. Today, Wealthy Habits has served thousands of students nationwide and continues to evolve with a focus on sustainability and impact.