Beth Givens, 62
Working on a grant in the early 1990s to teach Californians about telephone technology, the former librarian got hooked on consumer education.
Her next project was to launch, in 1992, the Privacy Rights Clearinghouse, which Givens still runs. The nonprofit publishes educational materials, collects reports of online privacy abuses, and pushes for safeguards like California's ID theft registry, created in 2000 to help clear victims saddled with impostors' criminal records.
Her latest worry: The possible misuse of facial-recognition technology.
"Eventually, walking down the street, you could have no privacy. You could not expect to ever be anonymous," says Givens.
For these MONEY heroes, helping people in the workplace learn to manage their personal finances is an assignment they don't shirk.