Justin Dent is the co-founder and executive director of GenFKD, a non-profit dedicated to getting Millennials smarter about their finances before it’s too late. He’s a Millennial himself – he graduated from the University of Maryland just a couple of years ago.

Dent didn’t come from money, and neither did I – we’re both African Americans, though from different generations, who grew up on the East Coast and had to fight the odds to get into a better financial position. 

With the tax changes that are wending their way through Congress and the questions about who they’ll help or hurt, it’s worth having a bit of an American family meeting, and thinking about just how we got into this sorry state, and how we get out. Dent is taking a bold step at a young age, toward doing exactly that.