Lorie A. L. Nicholas, Ph.D., is a Staff Psychologist in the Federal Bureau of Prisons. She is part of a team of Psychologists, responsible for conducting suicide risk assessments, acute crisis interventions, and monitoring the overall mental health services to both male and female federal inmates. Dr. Nicholas also serves as an Adjunct Professor in the Department of Law & Police Science and Criminal Justice Administration at John Jay College of Criminal Justice (CUNY). She holds a doctorate in Clinical-Community Psychology. Dr. Nicholas has presented at many conferences and conducted workshops and trainings on topics which include stress management, race-related concerns, the criminal justice system, substance abuse, violence, incarcerated mothers and their children, and financial stress/financial literacy. Dr. Nicholas has an extensive background working with children, youth and adults. She has been involved with numerous research projects as well. Dr. Nicholas is the CEO of Dream Builders United, and is known as the Financial Recovery Doctor. Dream Builders United was created to empower distressed families/ home owners through financial education, so that families can pursue their dream of living debt-free, owning and maintaining a home, and reaching other financial goals. Dr. Nicholas’ invested interest in providing financial education to families came as a result of a personal experience when she fell victim to the subprime economic downsizing (refer to Dr. Nicholas chapter as a co-author in the book The Law of Business Attraction.) In addition to her own personal experiences, Dr. Nicholas has incorporated counseling clients on basic financial problems, which were causing severe stress and creating a domino effect in other areas of their lives. Dr. Nicholas also volunteers, providing financial education to youth aging out of the foster care system, and builds homes and restores communities for Habitat for Humanity. Dr. Nicholas has been actively involved as an instructor for Habitat For Humanity’s Loan Ranger Program. As a Loan Ranger, Dr. Nicholas educates communities about understanding credit and debt. As a result of her commitment to community, and making a difference in the lives of people, Dream Builders United strives to help to educate individuals and families around financial literacy, while building a legacy of financial freedom. Dr. Nicholas is available for speaking engagements and trainings, and can be reached at [email protected].