Meet Denise Winston



Denise Winston, is a 25- year former banker, author, Guinness World Record® Financial Literacy Program creator and presenter as well as a frequent media guest.


Denise founded MSH in 2009 after spending 25-years in the banking industry watching the rich get richer, the poor get poorer and how the banks made their money.


Observing the lack of financial education and the extreme impact it had on people’s lives, their employer’s profitability, the communities they live in and our nation’s economic growth, Winston was compelled to do something about it. Thus, at the peak of the financial crisis, she founded Money Starts Here, LLC.


Over the past 30 years, Denise has developed materials that cover a wide range of financial topics, all to help people avoid costly mistakes and achieve financial wellness. Winston has inspired and empowered millions of people across the nation to take control of their financial lives.


In 2016, due to market demands, she expanded her financial education company to include online courses that help organizations, employers, and their employees deal with the effects of financial stress and the Affordable Care Act mandate.


Through her experience, she’s able to bring quality financial education that produces real results to both the public and private sectors.

Guinness World Record® 
Financial Literacy Program

On November 9, 2014, our CEO Denise Winston, presented the financial literacy program she created to secure the  “World’s Largest Financial Literacy Education Event” for the Banc of California at the University of Southern California. Nearly 6,000 students received training at the event, which was headlined by former President Bill Clinton and set two Guinness World Records: The Biggest Ever Financial Literacy Training and the Biggest Ever Financial Literacy Training in One Venue.

Partnering for Greater Success!

Aera Energy, LLC is a prime example of what is possible when a business supports their employees and local schools, it changes lives and improves the communities they operate in.   The Workplace Financial Wellness Program we provided Area’s employees included a donated talk to a local school, mentor program or charity of their choice, they chose the MS3 Math and Science Academy.  Helping students make smart, confident financial decisions before their first paycheck is remarkable and noteworthy!

Helping and Being Helped

Jack Canfield has been one of many important mentors and coaches to our team.  These relationships have been a good reminder that life is all about helping and being helped.

Grant money can change lives!

We are honored to launch My Financial Academy Financial Literacy – Life Skills Program for Kern Housing Authority residents.  It is a prime example of how the Housing and Opportunity Foundation of Kern is using grant money to changing lives and drive positive outcomes for the community and beyond.

Economic Development!

Today’s kids are tomorrow’s workforce and consumers.  Such a privilege to have our financial literacy program underwritten by the Kern Economic Development Foundation.  The Energy Academy STEM students and their mentors are a remarkable example of how linking business with education and the community can stimulate economic growth and improve the lives of everyone that lives, works and does business in our country.

Proven Results

Over the past 30 years, our CEO has developed materials that cover a wide range of financial topics and helped millions of people take control of their financial life.  In 2016, due to market demands, we expanded our financial education company to include online courses.

Financial Snacks

If you want bite-sized money “snacks” you can use in your everyday financial life, you are in their right place -click here. (link to page) Denise’s financial tips have reached more than 100 million people through print, TV, radio and online, and more than 100 live TV appearances.

“Financial Education is my Passion!

We are real people  that take pride in delivering a truly useful service, enthusiastically and in the
spirit of genuine helpfulness.

Denise Winston has inspired and empowered millions of people across the nation to take control of their financial lives.


Winston is a financial expert on the new cable program Money Made Easy and a frequent contributor to numerous financial websites, including,,, and American Express OPEN.


She has been profiled in The Wall Street Journal and has regularly appeared on ABC’s Good Morning Kern County and Bright House Network’s Stretching Your Dollar. Her tips have been featured in major publications, including Reader’s Digest, Better Homes and Gardens, Money Magazine, Consumers Digest, Family Circle and many more.


A uniquely qualified financial expert, Winston uses easy-to-understand language to cover the basics—simple, relevant, practical solutions for dealing with money in day-to-day life—without get-rich-quick schemes.


In the past few years, Winston has reached more than 100 million people via 150 media outlets, 10,000 college and high school students with lectures and discussions, thousands of corporate employees with seminars, hundreds of women at conferences, and countless American parents, teens, and adults with her DVD and workbook series.


As part of her mission to make a difference, Winston has been involved with the anti-bullying campaign The Great American NO BULL Challenge, Junior Achievement, teen mentoring programs, Angel Flight West, and Great Pyrenees Rescue and therapeutic pet programs, and has served on educational advisory committees and volunteered in classrooms.

Together We Can Make a Difference

Are you ready to deliver high-value, life-impacting financial education? Let’s get started!