Personal Financial Literacy (PFL) has been taught for at least 50 years. Despite the countless hours spent in PFL classes, the U.S. experienced the savings and loan crisis of 1980 and 1990 and the sub-prime mortgage crisis of 2007 – 2010, both affecting millions of families. Today, our nation has rising personal consumer debt, rising college debt and society struggles with growing poverty, a shrinking middle class and a lack of funds for emergencies and retirement. Capital Plus seeks to change this by teaching current and subsequent generations how to critically think about financial decisions, how to modify their behaviors to become financially secure, how to avoid debt. For financial disadvantaged people we seek to teach the skills necessary to break the cycle of poverty and build a path to a fulfilling and financially secure future.