TIM RANZETTA
Most of the voices I recommend are focused on helping adults invest better. Tim Ranzetta is doing something equally important — and arguably more powerful: reaching students before they make their first financial mistake.
Tim co-founded Next Gen Personal Finance (NGPF) with a simple but transformational mission: provide free, high-quality personal finance curriculum to every high school in America. NGPF's resources are used by tens of thousands of teachers and millions of students — all at no cost, all without commercial agenda.
"Financial literacy is not a nice-to-have. It's a need-to-have — and too many young people are reaching adulthood without it."
Tim's work represents exactly what I believe in: meeting people where they are, giving them the tools they need, and asking nothing in return except that they use the knowledge. NGPF doesn't sell anything to students or teachers. It exists purely to educate.
In a world where financial companies spend billions targeting young consumers, Tim is building a counterweight — young people who understand compound interest, credit card debt, and retirement accounts before they're vulnerable to predatory products. That's not just financial education. That's one of the most important social investments anyone can make.
— Paul Merriman