01
We make it accessible.
Plain language, real examples, and enough context to help a complex idea land. The first step is often hearing a familiar voice name the question without shame.
About the desk
Built around the people in the room.
Financial Fitness is a community-first learning space for honest conversations, useful education, and the work of building a more stable future together.
Our point of view
Clarity is a form of care.
Money conversations can sound distant when they ignore the lives around the numbers. Financial Fitness makes room for the full picture: culture, family, access, history, and the everyday choices that shape a financial life. A budget is never only a budget when it is carrying rent, care, memory, and a dream for the next generation.
Our work follows the spirit of community broadcasting—education, engagement, and conversation that gives people more context and more agency. We do not talk at the audience. We make room for questions, lived experience, and the knowledge already moving through Minneapolis–Saint Paul homes, workplaces, churches, schools, and neighborhood tables.
The show is rooted in the Black experience and in the practical work of economic empowerment: understanding credit, protecting what has been built, creating room to save, and naming the systems that make stability harder to reach. That honesty is part of the service. So is joy. People deserve financial education that respects their intelligence, their culture, and their capacity to make a way forward.
Financial Fitness is hosted by Nneka Constantino, whose Economic Architect perspective connects more than 20 years in financial services with the questions people are asking right now. Learn more about Nneka’s story and the community voice behind the microphone.
The voice behind the mission
Experience gives the conversation depth.
Nneka’s background is part of why the show can move between big questions and practical details. She brings more than 20 years in financial services, with professional chapters at Piper Jaffray’s trading floor in Minneapolis and Smith Barney. Her Economic Architect framing is about connecting those experiences to the structures, habits, and relationships that help people build a steadier future.
Her public work also carries a creative and educational history. Nneka is a vocalist with the Grammy Award-winning Sounds of Blackness and a graduate of Howard University. She is the daughter of Minnesota musical legend Cynthia Johnson, known for “Funkytown.” Her content contributed to the PBS/TPT collaboration Make Money Work, which was recognized with a Regional Emmy. The result is a host who understands that information has a sound, a history, and a responsibility to the people receiving it.
How the signal works
02
We keep it grounded.
The conversation starts with lived experience and connects back to practical action. We stay curious about the details that make a plan work in an actual household.
03
We pass it on.
A useful resource is stronger when it can travel through families, teams, and neighborhoods. Learning becomes community power when people have a way to share it.
The weekly rhythm
Half an hour can move a whole week.
Financial Fitness broadcasts live every Wednesday from 6:00–6:30 PM on 89.9 KMOJ FM. The half-hour format keeps the ideas focused while leaving room for the context that makes them useful. Nneka brings the conversation close to home, whether the topic is credit, ownership, retirement, family wealth, or the decisions that sit between a paycheck and a long-term goal.
When the live hour ends, the learning keeps moving. Listen live through kmojfm.com, then find the podcast on Spotify for Creators and Apple Podcasts. Visit the episode archive for conversations worth returning to, or explore the digital assets for an educational follow-up.
Financial Fitness is a community financial-education program of KMOJ 89.9 FM, The People’s Station, owned and operated by the Center for Communications and Development. KMOJ is the station, and this site belongs to the KMOJ community. That ownership matters: the work is accountable to the people and place that give the signal its meaning.
There are more ways to stay in the circle. Read the blog for notes and context, use the learning desk for a starting point, and visit Support if you want to help keep the show’s community-centered work moving.
Take the next step
Start with one good conversation.
Bring a question, a story, or a little curiosity. The next useful idea may already be waiting in the archive. Small steps still count when they are shared.