About this episode

In this powerful episode of the Marquis Masters Podcast, Ryan Estes sits down with Henrietta England, founder and visionary behind Tri-Fold Connections, financial consultant, author, podcaster, and community leader.

Raised by a father shaped by the Great Depression, Henrietta learned the principles of saving, investing, and financial discipline at an early age. That foundation became the driving force behind her mission: helping individuals and families understand budgeting, credit management, investing, debt-to-income ratios, and how to become truly “fiscally fit.”

During this conversation, Henrietta shares:

• Why “no credit” can be just as damaging as bad credit

• How underwriters really evaluate borrowers

• The emotional side of money, including fear, shame, and judgment

• How to protect yourself from predatory lending and hidden contract traps

• The difference between a credit score and a FICO score

• How inflation, CPI, and federal rates affect everyday households

• Practical strategies for budgeting that support long-term goals

• The importance of teaching financial literacy to children early

• How faith, persistence, and discipline shaped her career and recognition

Henrietta also discusses her Money Matter Mondays podcast, her Money Matter Monday book series, her Together We Grow Master Series course, and her nonprofit initiative, Vision of Hope Community Kingdom Learning and Worship Center, which aims to provide financial education, healing, trade skills, and transitional support for individuals and families rebuilding their lives.

This episode is for entrepreneurs, families, professionals, and anyone seeking clarity, confidence, and a structured path to financial stability and generational wealth.

Links Mentioned in the Episode

Tri-Fold Connections LLChttps://trifoldconnectionsllc.com

Marquis Who’s Whohttps://marquiswhoswho.com

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