Bill Butler is a man on a mission. In this NGPF podcast, you’ll hear about a seasoned businessman who uses his talents to improve the next generation’s financial capabilities. His company, Kachinga, is an allowance, chores, and savings app that teaches kids about money. Learn about the app’s features and Bill’s plan for the future, including including more financial education. To enjoy!


0:00~0:48 Introduction 0:48~3:36 Journey to the position of CEO at Kachinga 3:36~5:46 Experience working at Experian 5:46~6:38 Biggest misconception about credit 6:38~ 9 :24 Early Money Lessons 9:24~13:06 Deciding to Join Kachinga and the Company’s Mission 13:06~15:13 Features of the Kachinga App 15:13~17:53 Impact of the app 17:53~21:07 Educational resources available on Kachinga 21:07~21:35 A word from NGPF 21:35~22:39 The “parent match” feature 22:39~23:47 How Kachinga makes money 23:47 ~26:47 A week in the life of a CEO 26:47~29:05 Working on customer acquisition 29:05~32:21 Interactive learning opportunities 32:21~33:22 Conclusion



“We are definitely focused on financial literacy as a result. You can see some of the tools we’ve already built in the app… When I look at other products in the market, they just follow goals. What we are adding is data insights that can enhance learning.”

Your students can be app reviewers in this NGPF activity: Online Tools and Apps.

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About the Authors

Tim Ranzetta

Tim’s savings habits started at 7 a.m. when a neighbor with a broken hip gave him a dog walking job. Her recovery, which lasted nearly a year, led to Tim getting to know the bank clerks quite well (and building a savings account balance of over $300!). His recent entrepreneurial adventures include driving a chipper, analyzing compensation packages for Fortune 500 companies, and helping families make better college funding decisions. After volunteering in 2010 to establish a personal finance program and teach at Eastside College Prep in East Palo Alto, Tim saw firsthand the impact of an engaging and activity-based curriculum, which inspired him. to start a new nonprofit, Next Gen Personal Finance. †

Ren Makino

Ren has been working part-time at NGPF since 2014, where he did an internship through high school and college. With his knowledge growing alongside NGPF, he joined the team after graduating in 2020 to work full-time with a focus on teacher onboarding. He is also the editor of the NGPF podcast and makes it accessible to educators on iTunes, Stitcher, and Google Play Music. In his spare time, he enjoys trying coffee from different roasters around the world and trying out new brewing methods, although personal finance gurus tend to warn against buying a cup of joe.

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