Joline Godfrey, Financial Fluency Expert

Joline Godfrey’s Articles

Protecting Kids from Financial Predators 

Podcast: Giving your kids an allowance: What you need to know

One of the first opportunities to engage children in learning about money is by giving them an allowance. Simple concept – lots of questions. Ever wondered when to start? How much to give? What kids will be allowed to do with the money? In this episode of Kaching with Jane King, Jane and Kim speak with Joline Godfrey author of “Raising Financially Fit Kids” and one of the country’s foremost experts on kids, families, and money. The three share great strategies, tips, and advice on how to navigate these conversations with a goal to create financially independent kids.
Listen to this podcast by clicking here.


If Only…. The Economic Regrets, Dreams and Possibilities of Women 

Five Difficult Financial Conversations Kids Will Make You Have

My End of Year Gift to Readers: Family Resources for an Unpredictable New Year

Financial Parenting and “Good Enough” Practices

Joline Godfrey is the founder of Independent Means and the author of “Raising Financially Fit Kids” and other cutting edge books and publications related to the financial fluency. Since 1992, Ms. Godfrey has been a pioneer in the movement to increase financial intelligence among young people. Developer of a unique developmental approach to financial education, her introduction of the financial apprenticeship stage of life has given parents and community leaders revolutionary tools for becoming better money mentors for kids.

Ms. Godfrey’s standing as an expert is buttressed by her research and writing on the subject. Other books include: Our Wildest Dreams: Women Making Money, Having Fun, Doing Good; No More Frogs to Kiss: 99 Ways to Give Economic Power to Girls; and Twenty $ecrets to Money and Independence:The DollarDiva’s Guide to Life.

Joline received a BS degree from the University of Maine and an MSW from Boston University. Elected as a Kellogg Leadership Fellow, she also received an honorary Degree in Business from Bentley University and was the recipient of the Leavey Award for Excellence. 

Ms. Godfrey grew up in a family business in Maine and has been recognized in features for The Today Show, Oprah, Fortune, Business Week, the New York Times and the Financial Times. Independent Means is located in Santa Barbara, CA.

Joline can be reached via email at: