Why financial literacy matters
76% of College Students
Wish they had more help for financial futures
(Source: Keybank)
39% of Adults
Have ZERO non-retirement savings
(Source: NFCC)
78% of Adults
Are living paycheck to paycheck
(Source: CareerBuilder)
Welcome to
Kapitalize With Karo
Your go-to resource for taking control of your finances and building the life you deserve.
Kapitalize With Karo provides clear, practical, and relatable financial education to help you understand how money works and make everyday financial decisions with more confidence.
You’ll find resources and support for students preparing for the future, individuals navigating personal finances, and organizations looking to bring financial literacy to their employees.
The work here is rooted in access, real-life examples, and tools designed for people who haven’t always been included in traditional financial education spaces.
Explore tools, resources, and guidance to help you understand your money and take your next step toward financial independence.
FREE BUDGET SPREADSHEET
Ready to start getting your finances in order? Sign up to your FREE budget template so you can plan your monthly spending. (Googlsheets)
KWK Services at a glance
Financial Literacy
Workshops
Interactive in-person or virtual workshops for colleges, universities, and organizations.
These sessions focus on real-life money topics and are adjusted based on the audience.
The goal is to help participants better understand how money works and feel more confident making everyday financial decisions.
Money Tools, Courses,
and Templates
Sometimes, the right tools make all the difference. I create simple Google Sheets, templates, and courses to help you organize your money and plan your next steps.
You’ll find support for budgeting, managing debt, planning travel, tracking bills, business finances, and more.
Each resource is designed to give you structure, context, and guidance you can use at your own pace.
Financial Literacy
Workshops
Interactive in-person or virtual workshops for colleges, universities, and organizations.
These sessions focus on real-life money topics and are adjusted based on the audience.
The goal is to help participants better understand how money works and feel more confident making everyday financial decisions.
Money Tools, Courses,
and Templates
Sometimes, the right tools make all the difference. I create simple Google Sheets, templates, and courses to help you organize your money and plan your next steps.
You’ll find support for budgeting, managing debt, planning travel, tracking bills, business finances, and more.
Each resource is designed to give you structure, context, and guidance you can use at your own pace.
Personalized 1:1
Financial Coaching
One-on-one support to talk through your finances and get clear on what to focus on next.
These sessions are tailored to your situation and goals.
We’ll walk through what’s happening with your money, explore your options, and figure out next steps that make sense for you.
Meet the Founder
Karolina Redrovan
Hey, I’m Karolina, or Karo for short, the founder of Kapitalize With Karo.
I’m a first-gen Latina financial educator who didn’t grow up learning how money works. Once I started learning in my mid-twenties, everything became clearer.
My personal journey, including saving $72k by 27, homeownership by 28, and exploring 25+ countries, while making less than 6 figures, has reinforced my belief in the power of financial literacy. It shows what’s possible when you understand how money works and make decisions with intention. And I want others to see that.
With a background in education, I’ve dedicated myself to providing accessible financial education to all in ways that feel relatable, easy to follow, and grounded in real life.
Join me in creating a brighter financial future, together!
Here’s what people are saying:
We love hosting Kapitalize With Karo workshops for our CUNY student interns! Karolina provides financial literacy workshops that are thoughtfully designed for our population. She provides personal examples and offers relatable advice that speaks to short and long-term saving goals. We offered Karolina's workshop during orientation for CUNY Career Launch and Spring Forward. I recommend this workshop for anyone but found it especially helpful for college students who have part-time jobs and are interested in learning how to budget, save, and continue enjoying life to the fullest.
Ava
Karolina is a dedicated educator committed to helping marginalized communities break generational barriers and build wealth by educating them about financial literacy. Our EOF scholars at Ramapo College of NJ really appreciated Karolina’s transparency and her passion for sharing her knowledge and expertise. I highly recommend connecting with Karolina and inviting her to speak to your students and/or campus community!
Tanadjza
It was such a great pleasure having Karolina conduct a Financial Literacy Workshop at Lehman College for our students and alumni. She was engaging using both her personal experience, (and lessons learned), industry knowledge, along with her humor to engage students. What was particularly amazing was her skill and ability to break down complex financial concepts/terminology in a way students/alumni understood. The workbook she provided to students and alumni during the session was very useful not only for the workshop, but a great tool for students to track and monitor their expenses. After the session, I immediately received emails from students/alumni thanking our office for hosting Karolina to do the Financial Literacy Workshop with a request to invite her back to present again. The Career Center at Lehman College will definitely schedule another Financial Literacy Workshop in the Spring 2024 semester!
Nicole
I was a student in the Financial Literacy presentation you gave for CUNY students. Thank you for the extremely helpful tips and resources provided to us! I will definitely be using the workbook provided for future reference and all you travel tops on Instagram as well. Thank you again!
Jacinda
Loved the workshop! It was both fun and informative, which I didn’t think would be possible in a virtual setting. Thanks to your presentation, I now have plans to open a High Yield Savings Account and a Roth IRA this summer. Thank you so much for this sessions, I learned so much!
Jennifer
Karolina is a skilled facilitator and joy to work with. I met her first in 2022 when she provided provided financial literacy training to students at a paid CUNY internship program at John Jay. I invited her to work with students when I transitioned over to Baruch College the following semester. Karolina is responsive, knowledgeable and cares deeply about supporting young people in learning how to manage their money and invest in their futures. We got positive students from our feedback about the information and tools she provided- Her trainings are an asset to college students and beyond!
Amy
FOLLOW ALONG ON INSTAGRAM
The Blog
