 Ramsey. Why refi is not licensed by the California Department of Financial Protection and Innovation. Why refi is not authorized by the New York State Department of Financial Services to service any New York loans. Funding may not be available in all states. Hey guys, it's Rachel Cruz. When it comes to teaching kids about money, moms tell me all the time just how overwhelming it can feel to get started. That's why I'm so excited to tell you about Financial Peace Kids.