Kristin Vance Richards, Ph.D., LCSW covers women, wealth-building, financial identity and economic mobility. She is the founder and CEO of wealthSHE and a financial education expert whose work explores how women develop the confidence, agency and decision-making capacity to build lasting wealth. Vance Richards has co-authored four books on financial therapy and previously served as a National Endowment for Financial Education Research Fellow. Her scholarship and applied work focus on the emotional, behavioral and structural forces that shape financial choices, particularly for women navigating caregiving, career transitions, single motherhood and wealth-building. She also serves as director of research at Empower Mississippi, where she studies workforce participation and economic mobility. Follow Vance Richards for continued coverage of women’s wealth, financial identity and the real-life conditions that shape financial futures.