Susan Meredith, founder and CEO of MentaMorph, has spent decades studying how energy moves through systems, physical, organizational, human, and financial. Trained as an engineer and holding an MBA, she approaches complexity with a systems mindset shaped by both technical rigor and lived experience. From her perspective, energy is not a metaphor but a unifying principle, one that connects infrastructure, organizations, personal decision-making, and money itself. "Money is an energy storage device," she explains. "That idea sits at the center of how I see the world and how I approach my work, and it's the foundation of everything we are building at MentaMorph."
Meredith's career has unfolded across multiple domains, each reinforcing that lens. She has worked in corporate environments, built consulting and energy-efficiency businesses, and authored a book on energy management, Beyond Light Bulbs: Lighting the Way to Smarter Energy Management. Across those chapters, she explains that consistent patterns began to emerge: the same principles used to describe stress, strain, and fatigue in materials science also show up in human behavior and in the way organizations respond under pressure. According to Meredith, those parallels offered early insight into how individuals and institutions respond under pressure, and how better decisions often depend on understanding invisible forces at work.
That perspective eventually shaped what has become her most significant endeavor. MentaMorph is a business-to-business education company built around an experience-based financial learning game and curriculum designed for organizations, conferences, schools, and corporate programs. Rather than focusing on abstract instruction or product-driven education, Meredith explains the platform as a way to help people explore financial decision-making through lived experience. "We are not trying to teach people how to be wealthy," she says. "We are helping them build resilience, so they can use money to support the life they want."
The origins of the game stretch back more than three decades. Meredith recalls dreaming up the concept in the early 1990s, writing it down upon waking, and then testing it using simple materials, stickers, paper, and toothpicks standing in for money. From her perspective, that simplicity was intentional. "The early versions were designed to mirror real life," she says. "You are earning income, managing expenses, responding to emergencies, and deciding whether to save or invest. You make choices, you see the outcomes, and you finish with a net-worth result that reflects those decisions. Then you can play again, try a different approach, and see how new choices change the outcome."
Over time, Meredith developed the concept into a structured curriculum paired with facilitated discussion. According to her, the learning happens not just during play but in reflection, examining why decisions were made and how assumptions shaped behavior. This approach draws on her background in corporate education and her specialization in experiential and game-based learning. She distinguishes this from surface-level gamification. "You can add points and rewards, but real learning comes from doing, seeing cause and effect play out," she notes.
MentaMorph's programs are delivered primarily through organizations that bring in Meredith or MentaMorph-certified educators as speakers or facilitators. The company offers one-hour conference sessions, extended workshops, and webinar-based formats, all structured to fit institutional settings. From Meredith's viewpoint, this model allows the experience to reach groups at key moments, such as students preparing for adulthood, employees navigating financial stress, or organizations seeking more practical education tools. She explains that the curriculum is designed to be adaptable across cultures and contexts, having already been used in diverse settings.
"Financial education is most effective when it addresses everyday realities rather than abstract ideals," Meredith says. She points to moments from facilitated sessions where participants recognize previously unseen dynamics, such as the long-term impact of trust, reputation, and decision-making. Those insights, she says, are difficult to convey through lectures alone. Experience, by contrast, allows people to internalize lessons quickly and personally.
Today, Meredith is focused on scaling MentaMorph responsibly. According to her, the company is working with organizations, sponsors, grant partners, and investors to expand delivery while maintaining the integrity of the experience. "Software development continues alongside the facilitated programs with the long-term goal of embedding the curriculum directly into the digital platform," she says. "But technology is a means, not the mission; it's there to support the learning, not replace the experience."
That purpose is reflected in how Meredith explains the work moving forward, not as a product or a program, but as a long-term shift in understanding. From her perspective, financial decisions are inseparable from energy, choice, and consequence, and meaningful change begins when people can see those connections for themselves. The aim, she explains, is not short-term engagement, but durable awareness that carries into real life. "Our mission is to mentally morph millions of mindsets about money," Meredith says. "When people understand how energy, decisions, and outcomes are connected, they stop reacting and start choosing, and that's where real resilience begins."
