Today’s guest is Crystal L. Gunn, a financial strategist with a mission to empower people to transform their relationship with money. Crystal helps clients shift their mindset, heal financial traumas, and set new expectations and standards for their financial lives. 

In this conversation, GreenPath guest host Dai-Jaya interviews her mentor Crystal, who opens up about her own financial struggles and the insights she gained along the way—knowledge she now uses to guide and uplift others. 

To learn more about Crystal and her work, visit www.crystalgunn.com. 

2:18 After Crystal introduces herself, our guest host Dai-Jaya talks about the difference that Crystal has made in her financial life. 

5:12 Crystal shares her experience with money growing up. 

7:00 She discusses her financial struggles around a divorce and business that was no longer viable. 

14:20 She highlights a projected statistic that inspires how she leads her life, financially and otherwise. 

16:35 Crystal recalls when she left her full-time job to focus on her financial literacy nonprofit.   

25:23 She talks about her own surprise in becoming a financial strategist. 

29:16 She explains how she became an expert in personal finance. 

33:21 Crystal considers how we might bring conversations about money into the open. 

38:42 She offers advice for how one might tackle financial concerns without spending money. 

45:15 Our co-hosts reflect on Crystal’s theme around generational wealth. 

GreenPath Financial Service

GreenPath is a 60-year trusted national nonprofit, learn how GreenPath’s Debt Management Program can help you pay off your debt in 3-5 years, while helping you develop sound financial literacy.

Meet Juan: a resilient first-generation immigrant from Honduras whose early relationship with finance might sound familiar to some. Growing up in a family that feared spending money, he learned early on to avoid financial products, including credit cards.

Juan yearned for a career in acting, but when he graduated college, his dreams were abruptly halted by the pandemic. As a result, he found himself at a crossroads.

Although his income was limited and his cost of living was high, Juan became a dedicated learner, soaking up valuable money concepts. His newfound wisdom empowered him to take control of his finances and pivot toward a career as a financial coach. You can learn more about Juan at www.linkedin.com/in/juan-valeriano.

Our episode spotlights Juan’s story and the applicable money tips he’s gathered along the way.

2:48 Juan shares how his family’s immigration experience shaped his beliefs around money.

7:39 As a graduate in the pandemic, he uses this opportunity to educate himself about money.

11:51 Juan shares what he has learned about high-yield savings accounts.

15:01 He outlines the basics of Roth IRAs.

21:26 He encourages listeners to approach a credit card as an upgraded debit card.

25:05 He is inspired to share his financial wisdom with friends and family.

26:48 Juan receives a formal education on financial coaching through his work at the Financial Gym.

27:56 He launches his own financial coaching business, the Wealth Wellness Studio.

35:19 Juan offers insights from his journey as an entrepreneur.

37:47 He shares tips on investing and financial habits and how to budget for your desired lifestyle.

44:27 Juan gives advice for his younger self and encourages listeners to take risks and get comfortable with being uncomfortable.

48:38 Our co-hosts reflect on Juan’s theme around fear and money.

GreenPath Financial Service

GreenPath is a 60-year trusted national nonprofit, learn how GreenPath’s Debt Management Program can help you pay off your debt in 3-5 years, while helping you develop sound financial literacy.

A year into a promising new career path, Jesse was unprepared to lose his job. He found himself relying on his cards for basic living expenses and rent as his credit debt accumulated. He was optimistic that he could make things work with freelancing, but the income wasn’t sustainable.

As he considered options to tackle his debt–amidst mounting anxiety–he decided to take out a consolidation loan. Ultimately, he found himself owing on both the consolidation loan and credit cards.

Jesse was determined to address his debt and found his way to GreenPath, where he enrolled in a Debt Management Program. Today, with his program complete, he looks forward to buying a modest home and being better prepared for the next financial emergency.

2:04 Jesse recalls his rural upbringing and how his career started.

6:41 He discusses the impact of his job loss on his finances and peace of mind.

10:57 Jesse considers different options to better manage his debt including bankruptcy.

12:39 He takes out a consolidation loan but his credit card debt accumulates still.

15:54 He reaches out to GreenPath and enrolls on a Debt Management Program.

20:02 Jesse talks about the importance of patience as his debt repayment program progressed.

22:26 He talks about the value of family support as he navigated his debt.

27:07 Jesse reacts to completing his Debt Management Program.

30:28 He shares his upcoming financial goals, including buying a home.

32:22 He explains what inspired him to share his story.

34:12 Jesse encourages others to reach out to someone you know if you are struggling with your money.

36:32 Our co-hosts reflect on Jessie’s story and share practical tips.

Early in their marriage, Matt and Kendal found themselves at a financial crossroads. Both entered their relationship with children from previous marriages and past bankruptcies. Together, they sought the guidance of GreenPath, creating a strategy to tackle their debt and build sustainable financial habits to carry them into their future.

Matt and Kendal’s story is one of resiliency and making money meet your needs. Tune in to learn about their creative approach and consider how their narrative can inspire your own path to fulfillment.

2:28 Matt and Kendal explain how their families came together. 

3:25 A conversation at a gas station becomes a turning point. 

5:54 They discuss their earlier bankruptcies, including Kendal’s accumulating medical debt.  

8:38 They talk about how they stretched their budget to put enough food on the table. 

12:26 Matt and Kendal figure out how to automate their finances. 

16:44 Opening the mail becomes an adventure. 

18:33 They discover that they’re not alone. 

19:24 Matt and Kendal receive some really good news. 

21:43 They are finally able to explore home improvements to accommodate their special needs son. 

24:48 Kendal has anxiety over giving up control of their debt repayment. 

30:21 Our co-hosts share some practical tips based on today’s story.

LeAnn takes pride in helping others. But when it came to asking for help, that didn’t come as naturally. She found herself in a frustrating cycle with her credit card debt: able to maintain minimum payments, but unable to make progress towards payoff.

Beyond the financial implications, her mental and physical health were impacted. After making the important decision to connect with a therapist, she eventually found a solution that put her finances back on track. Now, she shares her struggles and accomplishments–reminding us that sometimes the only thing standing in the way of progress is ourselves.

2:28 LeAnn reflects on what she learned about money growing up, including the importance of saving.

3:39 She shares the circumstances that led her debt to grow.

6:09 She explains how debt-related stress affected her sleep, stress levels, relationships and career.

8:13 LeAnn admits that she finds giving help easier than receiving it.

11:06 With support from her therapist and credit union, she connects with GreenPath and ultimately wishes she had taken this step sooner.

17:23 She describes the shame-free, judgment-free advice she received during her initial meeting with her GreenPath counselor.

21:44 LeAnn recounts the emotional support her friends and family provided.

26:26 She talks about her approach of being more transparent when it comes to money.

28:45 She discusses her budgeting approach after going through a debt repayment plan.

32:27 LeAnn shares some upcoming goals including a celebratory birthday trip and homeownership.

35:47 She discusses what inspired her to share her story.

38:53 She offers advice to others who are also experiencing debt-related stress.

41:17 Our co-hosts reflect on lessons learned from LeAnn’s journey.

It began innocently enough. Renita visited a mall retailer where she was invited to apply for a credit card that provided a discount. She didn’t even think she would be approved for the card. When she was approved, she felt confident in her ability to successfully manage her new account.

Over time, debt started to snowball as she opened additional lines of credit. She became overwhelmed in juggling all her bills and felt the burden both physically and mentally.

She knew she needed help to manage her situation but didn’t know where to turn. Determined, she reached out to her trusted credit union for a referral. Take a listen to find out what happened next.

2:08 Renita shares her experience of money and growing up with her grandparents.

4:11 She applies for her first retail credit card, skeptical she would even be approved.

6:02 She describes how debt impacted her mental and physical health.

8:52 Renita discusses her experience talking to GreenPath for the first time.

12:31 She embraces a new approach to budgeting now that she has a structured plan to pay down her debt.

15:22 She reflects on her husband’s support as she navigated debt payoff.

16:18 She recalls the weightlessness and relief of completing her Debt Management Program.

17:48 Renita shares her goal of tackling student loans.

22:56 She explains what inspired her to share her story with others.

25:41 She talks about what communication with her husband was like throughout the debt management process.

28:06 Renita flips the script and poses a few questions to our host.

33:45 Our co-hosts reflect on the emergent themes of Renita’s story.

Like many people, Khalil was excited to get his first credit card. But not knowing how they worked, he soon found himself in over his head. Eventually, with the help of an innovative program at his college, he learned more about credit and vowed to do things differently in the future.

After his career path connected him with a credit union and GreenPath, he started helping others in his community get access to transportation. Khalil eventually partnered with GreenPath to improve HIS credit and pay down his debt. Doing so helped him purchase his first vehicle. This step opened a new world of possibilities.

2:27 Khalil reflects on his time growing up in rural Mississippi and how it shaped his approach to money.

4:34 He opens multiple credit cards, not realizing he has to pay them back.

8:40 Khalil talks about his work at My City Rides, which provides transportation opportunities for those who could not otherwise afford to do so.

12:49 He explains how Southern Security FCU and GreenPath give support to My City Ride clients to improve their credit.

14:57 He speaks to the skepticism he initially felt when he first heard about GreenPath.

17:12 Khalil shares how the support he received from GreenPath eventually enabled him to purchase a truck and re-establish his credit.

20:11 His newfound transportation reliability gives him the chance to meet new people, learn new languages and travel.

26:01 He details his experience on a Debt Management Plan and how he navigated things when he had a family emergency.

28:24 Khalil breaks down his upcoming goals to re-establish his credit, save for emergencies and retirement and eventually buy a home and continue his education.

32:54 He discusses that while talking about money has always been hard, he’s now feeling more empowered to do so.

38:33 Our co-hosts reflect on Khalil’s story and the lessons that our listeners might take from it.

Before she was a financial wellness expert and best-selling author, Ericka Young was a person navigating debt.

She and her husband accumulated $90,000 worth of debt early in their marriage. As the parent of a college student and daughter starting off on her own, Ericka has prioritized honest communication when it comes to money.

With 17 years in business, Ericka has supported over 500 families as a certified financial coach. Her mission? Helping people crush debt so that they can design a vibrant and intentional life. She believes that personal finance transcends numbers and has developed creative strategies to break down barriers to financial success.

In 2017, she penned her 1st best-selling book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have.

Ericka has developed financial wellness programs for companies and organizations to reduce employee stress and improve the overall bottom line. Learn more about her story at www.erickayoung.com

3:09 Ericka recounts how she and her husband accumulated and paid down $90,000 in student loans, auto loans, and credit card debt.

5:24 A wake-up call reminds them why having an emergency fund is so crucial.

7:50 She discusses their experience navigating her husband’s layoff.

9:50 Ericka shares the money lessons she learned growing up in a single parent household.

14:50 She reflects on her passion when it comes to talking about money with others, including her kids.

19:44 Ericka explains how she began a career helping others with their money.

27:29 She emphasizes the importance of empowering her daughters to make wise financial decisions.

29:46 Ericka reveals an analogy when it comes to budgeting.

33:58 She addresses how people might cope during a time of historical inflation.

38:23 Ericka discusses the challenges she faced as she and her daughter considered what school she might attend.

44:00 She shares the approach she and her husband take toward money conversations.

51:43 Our co-hosts reflect on the themes in Ericka’s story.

In continuing our theme from last month, today’s episode features stories of financial resiliency from two former guests. These are stories of job changes, family growth, and finding safety in savings.

Lavell first talked to us in Episode 22Episode 22. He acquired debt by “swiping like a ninja,” and eventually made the pivotal decision to work with GreenPath in paying down what he owed. The result? Financial stability that enabled Lavell and his new wife to find their collective footing again.

Our second guest, Nina, spoke with us in Episode 20Episode 20. Her story chronicled her journey of navigating mental health hurdles and shifting her narrative for the better. Much has transpired in her life since we first spoke, including an exciting career change, marriage, and progress towards her financial goals.

4:07 Lavell reveals that he is now completely debt-free, even from the burden of student loans.

6:05 He talks about setting aside money for a larger house and college funds for his kids.

7:30 He explains how they have used their emergency fund on several occasions.

9:52 Lavell shares how he now helps others deepen their financial knowledge.

15:35 Nina gives an update on her career path, which now includes supporting mental health initiatives.

20:29 She shares her progress around financial goals and discusses a major life change.

21:56 She and her husband worked with a financial advisor to budget for larger expenses this year.

28:37: Nina explains her approach in combining finances with her husband.

32:17 She reveals a medical scare that had financial impact and talks about how savings cushioned the situation.

39:59 Nina reflects on her evolved mindset when it comes to utilizing and replenishing her savings.

We’ve met dozens of amazing people (and heard their stories of financial resiliency) since our podcast started. In today’s episode, we’ll be reconnecting with two of our former guests, Michele and Natasha.

While each of our stories impart a message of hope, the people we talk to continue to weather life’s highs and lows long after the conversation ends.

Michele first spoke to us shortly after she enrolled in a Debt Management Program with GreenPath. Check out her original story herehere. Today, she is now only one year away from completing it and shares her hopes of what the next chapter will bring.

Natasha joins us for the second half, and you can tune into her original story herehere. Much has happened since we last spoke, including a new job role, progress in her educational journey, and plans to marry.

3:04 Michele updates us on her progress on her Debt Management Program and discusses some recent debt she is managing.

6:48 She explains how she plans to pay down her new debt after her DMP is complete.

12:09 Michele talks about her plans to eventually move and purchase a home.

13:36 She offers advice for others who have talked to GreenPath.

17:41 Natasha talks about navigating money conversations with her daughter.

18:58 She speaks about returning to college.

21:58 She reflects on how she has communicated about finances with her future husband.

27:28 Natasha talks about her newer role as a fraud supervisor and shares lessons with our listeners.

30:16: She speaks to her upcoming goals regarding her career, education and family.

Meet Ben, a man faced with many crossroads on his financial journey. Reflecting on his early work experience as a commercial fisherman, his struggles with debt during his first marriage, and the difficult decision to file for bankruptcy, Ben learned about money management like so many of us have: the hard way.

Despite using various tools to manage his cash flow, debt remained a barrier. Emphasizing his analytical approach to challenges, Ben explored debt settlement, consolidation loans, and finally GreenPath where a phone call would bring renewed optimism. His regrets—as well as his insights —are worth a listen for anyone navigating similar challenges.

1:25 Ben details his experience with money growing up.

4:58 He discusses how he struggled with debt in his first marriage.

6:26 He shares what he learned going through bankruptcy.

9:05 He talks about the tools he uses to manage his cash flow.

13:39 After Ben’s debt accumulates again, he uses a debt settlement service.

16:03 When his debt creeps up a decade later, he explores a debt consolidation loan and eventually starts a Debt Management Program with GreenPath.

19:53 He talks about his approach to doing a debt snowball versus a debt avalanche.

22:10 He recalls his experience interacting with GreenPath.

27:03 Ben describes his sacrifice in living without a car to support his budget.

32:20 He recounts how he retrained himself to change his spending and credit habits.

36:43 He regrets using cash advances to make a down payment on the land he purchased.

40:05 He discusses his financial goals such as home ownership and buying a car.

GreenPath Financial Service

GreenPath is a 60-year trusted national nonprofit, learn how GreenPath’s Debt Management Program can help you pay off your debt in 3-5 years, while helping you develop sound financial literacy.

A recent survey finding from the American Psychological Association (APA) unlikely to surprise you: 64% of Americans report money as a significant source of stress in their lives. Today’s episode explores this connection between mental health and finance with a live panel discussion on tips, challenges, and resources when it comes to nurturing our well-being.

Our panel features former Real $tories guests: GreenPath clients and their own journeys of improving their mental and financial health.

• Jasmine PaulJasmine Paul: her award-winning children’s book, financial education instruction, and talks focus on making wealth fun.
• LeAnnLeAnn: when her financial stress impacted her mental and physical health, she connected with a therapist and eventually found a solution that put her finances back on track.
• KittyKitty: her story is one of shame transformed to pride. She wants to change the conversation around money and empower others to pursue their own path towards self-forgiveness.

2:56 Cohosts Chris and Shamica share their own mental health struggles around navigating a divorce and student loans, respectively.

6:50 Was there an experience with money growing up that shaped your psyche around money?

14:14 How did you notice your mental health being affected when you were struggling with your debt?

17:26 How did you get to a place where you were ready to ask for support for your money concerns?

24:05 Have you had an anxious client who left your coaching session more at ease? How do you help foster that transformation?

28:26 What is your recollection of your first counseling experience?

34:57 What is your favorite free self-care activity?

At age 22, Elyse was standing at a crossroads with $34,000 in debt with credit card payments, student loans, and a car loan all due at once. Her chosen path: a radical approach to pay off all debt by the time she turned 24. Within months, she went even further, buying her own house using a VA loan.

This is not to say that her road to financial wellness has been linear. Now a single parent in her late 20s, Elyse still faces financial challenges that she documents on her personal finance blog, the Savvy Sagittarius. Today, she is being proactive in her debt approach and establishing an emergency fund.

Throughout her financial wellness journey, she has leaned on a supportive online community and served as an inspiration to many, creating money management tools she shares on her site.

2:38 Elyse discusses how her upbringing shaped her work ethic and money approach.

4:03 At 22, faced with simultaneous debts, she decides to do something radical.

7:06 She embraces the snowball method—tackling each debt from smallest to largest.

8:03 Elyse figures out how to balance her goal of becoming debt free while still enjoying her 20s.

11:51 She describes the support she’s received from her parents and especially from her online community.

13:15 She recalls the euphoria she felt when she became debt free at 24.

14:02 Elyse buys a home using a VA loan and considers what she learned through this process.

16:44 She shares her financial goals: paying off some newer debt and establishing an emergency fund.

19:05 She offers tips when it comes to side hustles.

22:40 Elyse tells the story of how the Savvy Sagittarius started.

24:02 She defines the concept of a “No Spend Month.”

29:23 She suggests buying annual memberships to museums and parks to save money and offer flexibility.

31:18 She talks about the value of tracking your expenses to increase awareness.

36:44 Elyse discusses the money management tools she offers on her website.

41:13 Our co-hosts reflect on the themes that emerged in Elyse’s story.

Meet Frankie: a financial coach for Ent Credit Union, one of GreenPath’s partners in Colorado. She has expertise in helping others manage their money—and was financially self-reliant from a young age—but it’s often harder to see ourselves as clearly as we see others.

Frankie’s “Aha moment” came during a conversation with a GreenPath counselor, during which she gained a new perspective on the money dynamics in her marriage; she recognized that if she stayed with her husband, she would continue to endure financial abuse.

Frankie made the courageous decision to end her marriage and focus on creating a financially healthy life for herself. Today, she strives to impart her wisdom to her son, her credit union members, and our listeners.

2:46 Frankie talks about growing up, the loss of her parents, and how she had to be financially self-reliant from a young age.

7:28 She recounts meeting her husband through work and shares the early trepidations she had about joint money management.

9:27 She discusses the financial red flags that appeared in her relationship over time.

11:27 She recounts struggling with their mortgage and eventually losing their home, an event she considers the darkest period of her financial life.

14:28 She and her husband move to Colorado for a fresh start.

16:56 Her new career at Ent Credit Union gives her deeper insight into her personal life and marital finances.

18:37 She describes the pivotal session with a GreenPath counselor that gave her a new perspective on the problematic financial dynamics of her marriage.

23:26 Frankie makes a major change to her housing situation to help balance her budget.

26:10 She speaks about the financial impact of her divorce and the importance of having protected her credit.

29:30 Frankie discusses her goals of retiring, living a simpler life, and focusing on her son.

32:46 She describes the non-judgmental support and safety that GreenPath provides to the members she works with.

37:08 She shares what she’s learned regarding financial abuse.

43:09 Our co-hosts reflect on themes from Frankie’s story.

Meet Racheal. She is a true role model when it comes to financial resiliency. Her reality was many people’s worst nightmare: $124,000 of credit card debt following her divorce. Racheal worked with GreenPath to pay off what she owed, enduring Hurrican Ida and a pandemic along the way.

As she made progress toward being debt-free, she set aside funds to buy a home for her and her son. Today, she is putting her son through college and has created a structure to pay off her mortgage in seven years! In her professional life, she works for one of GreenPath’s credit union partners, empowering members to tackle their financial challenges even when the odds feel insurmountable.

3:00 Racheal reflects on her lack of experience with money growing up.

5:20 She details how her house remodel and eventual divorce led to accumulating credit card debt.

7:54 Contemplating how to handle her debt, she decides to contact GreenPath.

10:43 Racheal recounts the relief she felt when the Debt Management Program brought much-needed financial structure.

13:59 She shares the experience of working three jobs to stay on track.

15:43 Racheal celebrates a major milestone: paying off her debt ahead of schedule.

17:02 She continues to work her extra jobs to aggressively pay off her mortgage.

25:06 By sharing her personal experiences, she inspires a colleague to improve their financial situation.

30:06 She discusses purchasing a car and home early in her debt repayment journey.

36:33 Racheal gets out of her comfort zone by sharing her story.

42:47: Our co-hosts reflect on Racheal’s story and offer related financial tips.

Today’s story features Nadine, a caregiver and empath who eventually had to focus on her own financial self-care. After retiring earlier than she originally anticipated, Nadine transitioned to caretaking for her husband.

Following this period of support, she pondered where to direct her energy and focus, eventually finding herself on an introspective journey that led to GreenPath. As she works on paying down her debt through the Debt Management Program, Nadine also strives to improve her relationship with money and reflects on grief, healing, and finding one’s purpose.

2:18 Nadine reflects on her experience with money growing up with her grandparents.

4:50 Nadine recounts the loss and trauma that impacted her from a young age.

9:18 She discusses the origin of her debt and how it escalated.

10:52 She finds a spiritual and money empowerment program that eventually refers her to GreenPath.

12:33 Nadine details her pleasant surprise over her credit report review with a GreenPath counselor.

16:07 She shares her experience on the Debt Management Program including her initial concern and where she stands now.

20:03 She reflects on the importance of healing, self-discovery, and homing in on her purpose.

21:07 She talks about what led to her early retirement and how she navigated this.

23:23 Nadine discusses her upcoming goals and how she uses her past to connect with people in the present.

28:40 She relays the advice she would give her younger self and those experiencing financial stress.

Today’s episode features three interwoven stories of financial resiliency. Wendy, a GreenPath employee, invited her mother and younger sister to share their experiences alongside her.

In talking with all three women, we explore the unique challenges of different life events: moving to a new country, buying a new home, foreclosure, and paying for college and retirement.

Each of these milestones created cross-generational ripple effects: we hear about how foreclosure affected Wendy’s then ten-year-old sister and how different members of the family are navigating their mother’s transition into retirement.

Amidst struggle and hard-earned wisdom, all three women have openly communicated and learned from each other. Our hope? That you can learn from these experiences as you consider your own financial narrative.

3:25 Wendy recounts her understanding and experience with money growing up and how this influenced her early behavior with debt.

6:49 Wendy, struggling to manage her debt, ends up getting sued.

13:45 She shares what it was like to be the first person in her family to go to college and how student loans became overwhelming.

18:53 Wendy refinances her student loan with a fixed interest rate and successfully pays down some of it.

21:20 She describes her journey as a first-time homebuyer.

24:23 Wendy talks about how she mentored her sister when it came to strategizing college payments.

32:55 Reina, Wendy’s mom, recounts her difficult financial transition to the United States.

34:36 Reina explains what it was like to experience foreclosure after 12 years living in her first home.

37:07 Her credit card debt snowballs after several life events coincide.

38:55 She explores her debt options and eventually talks to GreenPath, which provides significant relief.

40:51 Reina considers her transition to retirement.

47:05 Her mom decides to wait until next year to save for a trip to Mexico to avoid getting into debt.

49:21 Emily talks about her experience as a kid when her home was foreclosed on.

51:46 She discusses how her older sister helps her navigate college payments.

58:38 Emily offers her perspective on her mom’s upcoming retirement.

1:00:40 She talks about encouraging her parents to save money.

Today’s episode features Jasmine Paul, award-winning children’s book author, certified financial education instructor, and speaker focused on making wealth fun.

After finding herself homeless for a brief period during college, Jasmine resolved to turn her financial life around. Learning through books and conversations during her career in the Airforce, she achieved the remarkable milestone of becoming a homeowner by 23.

But she didn’t keep her newfound knowledge to herself. She took her friends on her journey, volunteering to be their financial coach and mentor. Her passion soon evolved into a profession. Jasmine is a storyteller at heart, and we hope her personal journey offers tips you can apply to your own life.

Learn more about her mission and work at The Wealth Playground.

4:07 Jasmine recounts the experience of living in her car and couch surfing while struggling financially in college.

7:55 She pours herself into books and conversations during her time in the Airforce to improve her financial life.

10:50 She applies the structure of her role in the military to her own financial goals.

12:49 Jasmine pays off tens of thousands of dollars of student loan debt and establishes an emergency fund by eliminating distractions.

17:00 She starts a side business providing financial coaching to her friends.

19:18 Jasmine explains how she discovered GreenPath as a resource for her clients.

21:00 Her program pivots to focus on supporting the financial health of children.

23:46 She describes her children’s book series and programs to bring fun and engaging experiences to youth programs.

24:48 She shares tips for children when it comes to money including the importance of collaboration and asking for help.

27:58 Jasmine talks about breaking the silence for adults who are trying to inspire and educate their children.

31:48 She recounts the story of how her money ghosted her in Casper, Wyoming.

38:48 She stresses the importance of knowing your numbers, setting clear goals, and having grace for yourself.

45:22 Our co-hosts reflect on the practical tips embedded in Jasmine’s story.

Kelly’s financial story is a testament to resilience and relatable to many of us. Initially burdened by student loans and credit card debt, she struggled to keep pace with her peers who unintentionally created pressure to overspend. Life’s unexpected challenges, like a recent car accident requiring a new auto loan, added to her financial woes.  

For Kelly, a scarcity mindset still lingers from when her financial struggles were greater.  Despite these setbacks, Kelly has begun to shift her mindset and reclaim, starting a Debt Management Program with GreenPath.   

While she’s still a year into debt repayment, she has simplified her financial life, which has given her more peace of mind.  Kelly offers reflection about the psychological roots of her relationship with money and shares practical tips for others in a similar situation.  

2:57 Kelly reflects on how her family handled money growing up and how this influenced her as she reached adulthood. 

6:31 She starts spending more money after starting a new relationship. 

11:24 She describes how her debt slowly evolved to the point of being overwhelming. 

13:50 She starts to explore debt options and discovers GreenPath. 

16:55 Kelly discusses when she had used a debt settlement company earlier in her journey and why she feels more comfortable working with GreenPath today. 

22:19 She talks about her goals and progress on her Debt Management Program. 

24:31 She finds support with other friends who are going through similar circumstances. 

26:39 She analyzes how her scarcity mindset affects her approach to money. 

31:23 Kelly considers her financial goals, including creating more financial flexibility, buying a condo and travelling more. 

35:17 She shares a financial tip to save ten-dollar bills. 

44:33 She thinks about what financial advice she’d give her younger self, including saving more when she was younger. 

49:14 Our co-hosts reflect on the lessons learned within Kelly’s story. 

GreenPath Financial Service

GreenPath is a 60-year trusted national nonprofit, learn how GreenPath’s Debt Management Program can help you pay off your debt in 3-5 years, while helping you develop sound financial literacy.

As a young woman, Dr. Darla Bishop had her heart set on attending her dream college, the University of Michigan. But there was one major obstacle: how would she afford it? Just days before the semester began, an unexpected envelope arrived, changing her life forever. 

Throughout her college years, Darla developed a voracious appetite for financial knowledge. She discovered that she was just as capable as her wealthier peers. Empowering herself with financial literacy became her game changer. 

Not only did Darla unlock her own financial potential, but she also became a beacon of guidance for others. Her journey reveals that the emotional aspects of money are far more significant than the numbers. 

Learn more about Dr. Darla Bishop at www.howtoaffordeverything.com 

2:42 Darla talks about her experience with money growing up, including how money got tighter after middle school. 

4:12 She has a transformative experience going to a summer program in high school. 

6:23 Money obstacles almost prevent her from going to her dream college. 

9:12 Her money curiosity leads her to books and mentors to increase her personal finance knowledge. 

11:53 A blown tire gives Darla insights into her psychological patterns. 

17:21 Her decision on which apple to buy becomes a money lesson. 

19:51 She reflects on how the emotional aspects of money are so much more important than the math. 

21:39 She transforms her mindset around money. 

25:30 She recounts how she determined how much money she’d need to balance her budget and reach her debt repayment goals. 

30:45 Darla shares some financial tips. 

33:50 She gives advice for other military spouses. 

37:15 She considers her future financial goals. 

46:27 Our co-hosts reflect on themes from Darla’s story. 

GreenPath Financial Service

GreenPath is a 60-year trusted national nonprofit, learn how GreenPath’s Debt Management Program can help you pay off your debt in 3-5 years, while helping you develop sound financial literacy.

Debt can accumulate for many reasons. For Tyjai, it was a mix of factors. In his early 20s, he didn’t have a spending plan. Rising inflation drove up the cost of major expenses like rent and auto insurance. Meanwhile, the growing interest rates on his credit cards quietly added to the pressure, leaving him feeling stuck. He became numb to the increasing interest rates on his credit cards.   

While working at a credit union that offered financial coaching, Tyjai gained the skills to support others facing debt. Yet, he found himself putting off tackling his own financial challenges. 

That changed when his credit union partnered with GreenPath. Seizing the opportunity, Tyjai created a long-term plan to take control of his debt. Now, by openly sharing about his own struggles, he hopes to inspire others to face their challenges head on. 

2:31 Tyjai reflects on his experience with money growing up. 

6:59 He talks about how his debt crept up post-graduation.  

9:43 After hitting a dead end trying short term fixes, he finally explores a longer-term solution for his debt. 

13:35 He recalls his initial conversation with GreenPath. 

16:42 He talks about his credit score dropping and the resulting hit to his ego. 

19:49 Tyjai discusses how he has adjusted his budget to make it work now that he no longer has use of his credit cards. 

25:01 He offers advice for others who are considering a Debt Management Program. 

28:29 He looks forward to a future that includes home ownership and investing. 

38:27 Our cohosts reflect on themes from Tyjai’s story. 

GreenPath Financial Service

GreenPath is a 60-year trusted national nonprofit, learn how GreenPath’s Debt Management Program can help you pay off your debt in 3-5 years, while helping you develop sound financial literacy.

Maria is the embodiment of tenacity. When she applied for college, she was informed of her ineligibility due to her immigration status at the time. Refusing to take “no” for an answer, she became one of the first two people in her home state to get accepted with her status. However, she still faced the challenge of paying her way through college without financial aid. In surpassing this hurdle, she empowered others in similar circumstances.   

Maria became the first person in her family to own a home and started her own small business shortly after welcoming a son. Her experience in marketing led her to GreenPath, where she now utilizes her skills for a mission she cares deeply about.   

Learn more about her story in her own wordsin her own words.

Key Moments 

2:50 Maria reflects on her time growing up in Mexico and how her family approached money. 

6:54 She remembers the difficulty of getting accepted into college because of her immigration status. 

10:08 She strategizes paying for college without financial aid. 

11:38 Her role working for a bank opens her eyes to the obstacles faced by the Hispanic community. 

14:38 She helps other students and parents who share the challenge of getting into college.  

18:13 Maria buys a home shortly after graduation, becoming the first person in her family to accomplish this goal. 

19:48 She gives birth to her son and starts her own business. 

27:03 Maria describes her experience starting her role at GreenPath. 

29:20 She discusses her financial goals, including investing in retirement. 

34:48 Our co-hosts reflect on the themes from Maria’s story. 

GreenPath Financial Service

If you’re interested in building healthy financial habits, paying down debt, or saving for what matters most, take a look at these free financial tools.

Kitty’s Irish ancestors began a very successful business in the wake of the San Francisco earthquake in the early 1900s. This success created generational wealth that Kitty benefits from.

But her story is much more complicated than that. Despite familial wealth, her upbringing left her without a financial game plan in early adulthood. And then life happened – in her case, an injury that left her unable to work temporarily after giving birth to her son.

The pandemic compounded Kitty’s financial stress. She eventually found someone who not only listened to her concerns but offered a solution to lower her finance charges dramatically.

Kitty’s story is one of shame transformed to pride. She wants to change the conversation around money and empower others to pursue their own path towards self-forgiveness.

2:58 Kitty discusses her unique upbringing and how it influenced her approach to money.

12:49 She talks about how medical issues related to her pregnancy affected her finances.

17:33 She calls her creditor looking for help and gets connected with GreenPath, who provides much needed relief, both emotionally and financially.

22:07 Kitty explains how important it is to take a holistic approach to improving your finances.

25:41 She describes the humanity in her conversations with a GreenPath counselor.

27:40 Kitty shares about the power of Non-Violent Communication and learns that GreenPath actually uses this approach.

36:24 Her goals include buying a house with a garage where her husband can pursue his metal artisanal work and she can paint and draw.

40:16 Kitty advocates changing the dialogue around money.

43:30 She urges others in difficult financial situations to forgive themselves.

49:45 Our co-hosts reflect on themes from Kitty’s story: generational wealth, communities of support, transforming shame to pride, and empathic communication.

While each Real Stories episode is unique and each individual has their own money story, there are many similarities between them!

This episode highlights previous Real Stories guests and discusses the common themes of financial related stress and anxiety. In each case, see how a call to GreenPath improved people’s financial and mental health long term.

We’ll hear from Liz, Nina, Jessie, Lavell, Lauren, and Katie who teach us that while our circumstances may be different, we share the same struggles and triumphs.

Kimberly’s story is one of resilience. Despite having a mortgage payment that doubled and tens of thousands of dollars of credit card debt, she found a way to persevere. For her, the side hustle was front and center. Yet, she found work she loved to do like bartending, pet sitting and voice acting. And as she eventually paid off her credit card debt, she is now able to create more balance in her life. Her journey has not been an easy one – but it has been full of lessons along the way.

2:15 Kim grows up in a family where her parents have very different approaches to money.

4:40 Her dad helps pay off the $25,000 in debt she accumulated in her 20s.

7:43 After getting an interest-only mortgage to purchase her first home, her payment doubles.

10:22 She tries a number of different ideas to keep up with her payments, including taking on a roommate, bartending and pet sitting.

16:30 She funds her small business with credit cards, eventually leading to $30,000 in new debt.

21:29 She decides to seek outside help for her credit card debt and eventually finds GreenPath.

29:27 She finds support on her debt journey from her bible study group but finds some struggles with a few friendships.

33:24 Kimberly receives help from a patron to help her pay for therapy.

38:21 She speaks to the privilege of being single when it comes to handling her money.

42:03 She talks about how she has tried to reduce her stress more now that she is debt free.

46:43 She expresses her desire to support her family while still supporting herself.

56:01 Kimberly states her truth and then shares her advice for how to balance one’s dreams with a money mindset.

Practical Tips

1:01:49 Do we magically know how to run our finances once we enter adulthood?

1:03:10 How being single can serve as a privilege

1:04:05 Side hustling doing things you love

1:05:10 Running a small business as an artist

1:08:05 The practicality of creating life balance when paying down debt

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Listen to a conversation with Danny Kofke. His family of four lived on his teacher’s salary for several years. They learned the impact of delayed gratification and the value of not comparing your lifestyle to others.

Danny’s new career is to help others manage their finances better and let them know that rewriting their own money story can be done. He has written five personal finance books and appeared on numerous national television shows. He has also been interviewed on over 600 radio shows.

Danny has given hundreds of presentations across the country helping others with money management. His mission is to show others that if a former schoolteacher can do well financially, they can too.

2:22 Danny shares about how his upbringing influenced his approach to money with his own family.

6:50 He reflects on purchasing his first car and regrets from later purchasing a new car.

8:21 After Danny gets married and quickly moves abroad for two years, he and his wife develop a solid financial foundation.

12:23 He shares how they were able to stretch their budget for a family of four on a teacher’s salary.

16:54 Danny’s experiences with money lead to him writing a book.

20:15 He explains how he ended up in a career in financial wellness.

22:15 He discusses his financial goals with his daughter entering college and their future retirement plans.

27:01 Danny shares personal finance tips during our challenging economic climate.

30:57 He explains why money can act like a five-year-old.

32:22 He advises how to balance debt repayment and savings goals.

37:12 Danny discusses the level of financial transparency he has with his children.

Practical Tips

44:23 How to travel on a budget

45:17 The importance of delayed gratification

47:46 Investing when you have credit card debt

50:00 How to approach your financial goals knowing that appearances can be deceiving

What’s Your Feedback?

Your reactions and feedback about the podcast are welcome. Please take this quick survey and let us know.

On three different occasions, Regina has been at a crossroads with her finances. Each time, GreenPath has provided different kinds of support.

The first time, after she suddenly became a single parent, she became overwhelmed with debt and was contemplating bankruptcy. While she still ended up going that route, GreenPath was able to provide support for her during this difficult time.

Some time later, she was looking to buy a home and used GreenPath to get a certificate to qualify for home buying programs.

The third time, she wasn’t satisfied with her progress with her debt repayment progress and this time, she was able to enroll in a Debt Management Plan. Reflecting on this experience, she wrote to us, “My life is 1000 times better than it used to be the first time I sought GreenPath’s help and this time GreenPath is helping me keep it this way.”

Take a listen to see how Regina’s life got “1000 times better.”

Detroit Free Press Article about budgeting around inflation featuring Regina.

2:46 Regina reflects back on how her upbringing shaped her outlook on money.

7:26 She shares about a perfect storm of events in her personal life that eventually led to bankruptcy and a new life as a single mom.

16:39 She talks to GreenPath as she considers bankruptcy.

20:37 Regina works towards buying a home and ends up using GreenPath again as a resource.

22:25 As she furnishes and improves her new home, her credit card debt starts to creep back up.

24:31 She decides to reach out to GreenPath for the third time – and this time, she ends up on a Debt Management Program.

25:50 Regina describes how her interaction with GreenPath better helped her to monitor her budget.

31:43 She talks about the role shame has when it comes to deciding when and who to share her story with.

38:00 She reviews how she has been approaching her budget now that things have gotten tighter with inflation.

43:16 Regina explains how she is trying to raise her daughters to be financially healthy.

50:17 She reflects on how she has learned to embrace gratitude and no longer reside in bitterness.
Practical Tips

53:53 Budgeting within the constraints of paying down your debt

56:11 How communication can play a key role in financial health

57:21 How letting go of the past can transform your finances

58:45 Tips for lending money to friends/family

April is Financial Literacy Month, which is designated by Congress to raise awareness about the importance of financial literacy education, something even more important with the economic uncertainties caused by higher inflation and the ongoing pandemic.

We all make mistakes – we all face challenges – but what we learn once we come out the other side is what really matters. We believe that a crucial part of financial wellness is resilience. So we decided to dedicate today’s episode to a variety of stories that demonstrate this resilience.

1:19 Kendal explains how she originally ended up in bankruptcy and took steps to avoid it again when she and Matt reached another crossroads.

2:45 Matt describes how their improved financial situation allowed them to invest in home repairs to make their home accessible to their special needs son.

5:24 Michele takes out a consolidation loan that didn’t end up solving her debt problems.

6:57 Her new outlook fundamentally changes how she approaches her spending.

8:37 Angela’s credit card debt slowly becomes unmanageable.

11:33 She starts applying the job training she receives from GreenPath to her own situation.

13:16 Monte receives his first credit card as a 19-year-old and after overdoing things, gets sued and has his wages garnished.

15:30 He shares how he’s navigated his finances while living with a mental health condition and offers advice to others.

18:04 Jeff and Victoria adjust to their new reality after having their first child at a young age.

20:04 They reflect on the mindset they adopted to get out of debt.

21:59 After living beyond her means, the birth of her son causes Tanisha to rethink her spending patterns.

24:17 She involves her now 15-year-old-son in her financial decisions to help him as he becomes more independent.

26:01 Whitney realizes that a title loan just makes her situation worse.

27:07 She and Russell offer guidance for others when their finances are affected by a medical condition.

In today’s episode, we’re going to check in with our very first guest. I originally talked to Katie in December 2018. First, we’ll play some highlights of that original interview (↗). Then, we’ll go to a recent conversation with her. Katie’s story is a good reminder that the journey to financial wellness is never a straight line. Katie has and continues to face obstacles, like an unexpected trip after a relative passed away or an income reduction caused by the pandemic. But she has put herself in a better position to navigate these obstacles.

She also gives some practical tips about how she and her husband took control of their budget and her approach to saving and credit cards.

2:00 Katie describes how she originally got into credit card debt in college.

3:47 Her loneliness and depression as a new mom manifest as a shopping addiction.

6:22 Her second child’s medical issues affect her ability to work.

8:12 She goes through a divorce and soon thereafter starts a Debt Management Program.

12:53 Back to the present day, she uses a credit card for a family emergency, but this time, she has a clear plan to pay it down.

14:42 She is thankful that she can fall back on her savings to cover expenses related to legal fees for her custody case.

16:35 When her rent goes up significantly, she is confident that her budget can support this.

18:12 Her car needs to be replaced, but increased awareness of her finances makes it easier to take on this larger expense.

20:23 She loses one of her household’s income sources during the pandemic but knowing her budget numbers allows them to adjust accordingly.

25:00 Katie’s journey with money guides how she creates learning experiences for our audience.

Practical Tips

29:52 Katie talks about her approach using a shared note with her husband on their smartphones to better manage their budget.

32:36 She discusses why she does manual transfers to savings to allow her more control as unexpected expenses arise.

33:57 She devises a creative strategy to set aside funds for her son’s celebration.

35:35 She mostly avoids credit cards but when she does use one, she ensures it is always paid off in full automatically.

Long before this podcast was born, our guest, Shannon McLay, was a pioneer. Her podcast, Martinis and Your Money has been going strong for 7 years… and 400 episodes. On her show, Shannon is not shy about talking about her own challenges.

Her experiences give us two opportunities to learn. As with all our guests, she has a unique financial journey that has a lot of ups and downs. And as someone who speaks to others working on their financial goals, she has lots of great advice based on those conversations.

She’ll discuss getting into debt, depleting her retirement and savings and selling a home she couldn’t afford. She navigates a divorce, makes financial sacrifices to meet her child’s needs and takes a major pay cut to start a business. As you listen to Shannon’s story, while your circumstances might be different, consider how you might have experienced similar feelings throughout your journey.

6:05 Shannon explains more about her business, the Financial Gym.

15:10 She offers suggestions on how bonuses and other windfalls can fit into your financial plan after some regrets earlier in her career.

17:50 She shares what she learned after borrowing to buy a new car after already owning one that was paid off.

22:58 Shannon gives advice when it comes to negotiating raises.

29:55 She ends up using retirement funds when buying a home and based on this experience, offers guidance for others buying a home.

33:24 Shannon explains why her finances often felt like a game of whack-a-mole.

35:21 She reflects on the emotional decision to sell her home but why looking back, she has no regrets.

45:35 Shannon considers if there is a magic solution for one’s finances if the numbers just don’t work out.

51:25 She gives advice to her younger self.

54:29 Shannon discusses what inspires her to be vulnerable and share her story with others.

Amanda Clayman is a financial therapist – in other words, a clinician specializing in money issues. She believes money can be a tool for transformation: something she learned firsthand. In her own words, several years ago, “she blew up her financial life so spectacularly that it propelled her in a whole new career direction.” We’ll start with Amanda’s financial blow up and learn how she put things back together. After her story, stay tuned for part two of our interview where we pick her brain to learn some great practical money tips!

If you’d like to learn more about Amanda, check out her website. You can hear her on WNYC’s Death, Sex & Money podcast. She also leads personal finance courses on LinkedIn Learning, such as this course.

2:53 Amanda’s childhood involves living in a variety of socio-economic circumstances.

4:47 A free koosh ball eventually (indirectly) leads her down a challenging financial path.

7:48 Amanda moves to NYC and her lifestyle causes her debt to accumulate.

10:05 She creates a “strategy” to keep spinning her wheels.

14:25 Amanda gets a $19,000 haircut (ie a new approach to her finances) from her mom.

19:17 She describes the freedom of living under the constraints of her new budget.

21:07 Amanda opens up about her debt to her friends and realizes they’re all in the same boat.

24:04 She speaks to the role that luck played in her becoming debt free.

26:43 Her personal journey inspires her to create financial wellness opportunities for others.

32:42 Amanda leaves her dream job to start a new chapter on the other side of the country.

40:38 She speaks to the differences and similarities with her spouse and children when it comes to their money personalities.

Practical Tips

51:10 Amanda explains the “good enough” budget.

53:34 She talks about the benefit of using “benign curiosity” to examine our own money behavior.

54:53 Amanda shares how to “treat yourself” in a healthy way.

58:55 She cautions us when it comes to automated spending.

1:01:49 Is it a good idea to chase the perfect credit score?

1:03:40 Why we’re all financially unique

18-year-old Lavell received an envelope right before Christmas: a credit card he didn’t apply for. That Christmas was very merry as he used the credit card to give generously to his loved ones. But what started as a gesture of kindness snowballed into a mountain of debt: $30,000 owed on one card alone. Eventually, Lavell found GreenPath through a co-worker. What did he do next?

2:22 Lavell receives good financial advice from his mother that he doesn’t initially follow.

3:15 He “swipes like a ninja” after receiving a new credit card as an 18-year-old near Christmas time. The debt on the card eventually grows to nearly $30,000.

8:42 Lavell recalls how most of his debt stemmed from helping others with money he didn’t have.

11:34 He finds out about GreenPath but is initially convinced he can handle his debt on his own.

13:10 He decides to reach out to GreenPath and after a long session, decides to move forward on a Debt Management Program.

16:52 The interest rate on Lavell’s credit card drops from 24% to 2%!

20:01 He has doubts about continuing on the Debt Management Plan when he learns that he won’t be able to make any more purchases on his cards.

24:30 Lavell meets his future wife, who is impressed about his focus on becoming debt free.

28:47 He takes a step back after signing up for a new card with a tempting offer.

36:44 Lavell shares what inspired him to share his story.

38:58 He gives advice to others to “receive the help.”

Practical Tips

44:59 Recognizing the value of having conversations about money

46:20 Hurting yourself by helping others (college savings vs. retirement)

48:37 Making fixed debt payments (and savings contributions)

50:30 Using a credit card like a debit card to ensure you can always pay it off

52:47 Becoming financially healthy to open up unexpected doors

After struggling with credit card debt in college, Jessie was all set to file bankruptcy. But after she told her family about her plans, they encouraged her to search for an alternative – a Debt Management Program with GreenPath. Not only did this option enable her to become debt free – she ended up in a career in banking that likely would not have been possible with a bankruptcy on her record. Jessie eventually landed a role as a financial counselor at GreenPath, where she was able to help people who were in a similar situation to the one she was in.

2:46 Jessie describes how she used student loans and credit cards to cover her expenses during college and how her debt eventually became harder to handle.

6:01 She offers advice for her younger self around how many credit cards are ideal to have.

8:35 Jessie considers bankruptcy.

10:14 Her study abroad program leads to a difficult conversation with her parents about her finances.

12:15 Her father recommends she reach out to GreenPath to explore a Debt Management Plan.

19:42 After fluctuating income post-college, she lands a job working at a bank after a chance encounter.

22:48 Jessie shares what it was like to become debt free.

24:28 She explains her new philosophy using credit cards.

26:43 Jessie talks about her new approach when it comes to savings goals.

32:19 She starts a career as a financial counselor at GreenPath.

34:32 Jessie shifts to a role working with GreenPath’s credit union and bank partners.

Practical Tips

37:47 Exploring alternatives to bankruptcy.

40:57 Using a Debt Management Program to organize bill payments.

44:00 Using a credit card like a debit card.

48:19 Paying yourself back after dipping into savings.

Today’s episode features two stories. We regularly talk with our clients at GreenPath to hear about their experiences in pursuing financial wellness. These voices are a reminder to others that when it comes to debt (and the stress it brings) you are never alone.

We begin the episode with Nichelle, a single mother who is working hard to balance everyday expenses with debt payoff. In the second half, we meet Oscar who shares how the Debt Management Plan has greatly reduced his stress.

We know that many of our listeners have already spoken to someone at GreenPath. Please consider sharing your story with others.

Key Moments

3:16 Nichelle explains that her daughter can often challenge her financial goals.

4:10 Nichelle shares some of her financial struggles as a single parent.

7:40 Nichelle talks about her initial call with GreenPath and how she felt overwhelmed by debt.

10:31 Nichelle talks about how GreenPath changed her life for the better.

12:33 Oscar explains how his debt started to accumulate.

14:42 Oscar describes his anxiety around finances and his experience reaching out to GreenPath.

16:48 Oscar specifies how GreenPath designed his Debt Management Plan.

19:43 Oscar shares his hopes around upcoming milestones.

20:25 Oscar talks about the many ways his life has improved since starting a Debt Management Plan.

22:57 Oscar offers advice for those in a similar situation.

Nina has been on quite a journey the last few years. For her, stress around her finances was only the tip of the iceberg. Nina also faced many challenges when it came to addiction and her mental health.

Her story almost had a tragic outcome. In her darkest moment, Nina summoned the strength to turn her life around. She found support from her family, her new partner and her new employer.

This led to her GreenPath, who helped her turn around her financial life, too. Nina’s story provides such a visceral reminder that we’re not alone.

PLEASE NOTE: This Episode Discusses Suicide

If you would like someone to talk to, consider joining the more than 20 million people who have called the National Suicide Lifeline at 800-273-8255 to start a conversation. This hotline provides free and confidential emotional support to people in crisis or emotional distress 24 hours a day, 7 days a week, across the United States. Another resource to consider is the Crisis Text Line. To connect with a Crisis Counselor, text HOME to 741741. You are not alone.

5:17 Nina describes how her depression impacted her finances and contributed to her credit card debt.

7:15 She details how she started to self-medicate with alcohol.

8:49 Nina shares her darkest moment and the changes she started to make after her suicide attempt.

16:15 She describes how her new job at Service Credit Union led to an introduction to GreenPath.

20:33 Nina talks about how paying down her debt put her in a position to afford Christmas presents.

26:13 She explains how she was able to save over $5000 in interest by refinancing her high-rate auto loan.

29:28 Nina discusses her experience with GreenPath’s Super User program and how this better enabled her to help others with their finances.

34:43 She talks about the current state of her mental health and the support system she’s put in place.

38:15 Nina talks about her financial goals.

43:08 She gives advice to help others when feeling overwhelmed.

Practical Tips

48:01 Considerations when talking to debt collectors

51:28 Pros and cons of opening up a joint savings account

54:15 Using money apps

56:45 Refinancing auto loans

59:06 Self-love and financial health

GreenPath Financial Service

GreenPath is a 60-year trusted national nonprofit, learn how GreenPath’s Debt Management Program can help you pay off your debt in 3-5 years, while helping you develop sound financial literacy.

Today’s episode features a lively discussion about raising financially healthy kids. You’ll have the chance to hear different perspectives from our panel of GreenPath clients and friends who are inspiring their children to be financially resilient. Learn how we might support the next generation in their financial wellness journeys. Our conversation features:

Tips for communicating with your kids about money
Challenges (and how we might overcome them) when it comes to family finances
Resources to share with your family and community

3:05 Meet our panelists

8:22 How transparent are you with your child/children when it comes to decisions about the family’s finances?

12:31 Think back to your childhood when it came to how money was approached in your family. What is one approach you’re continuing to model now that you have a child? Alternatively, what is one money area where you’re taking a different approach?

14:56 What are some common struggles with money that you have observed with the college students in your classes?

17:18 Do you think making your kids an authorized user on a credit card is a great idea? If so, at what age?

20:46 What would you recommend for a parent that would like to set their child up with a “financial tutor” before college?

22:19 Think back to a financial decision or behavior you regret from when you were in your teens or early 20s. Could you share about this experience? Would you influence your child/children to avoid this at that age? If so, how? If not, why?

24:04 What financial resources do you recommend for a middle school student and are there classes they can enroll in?

27:45 What is one challenge when it comes to influencing your child’s financial health?

32:46 How do you define success when it comes to raising a financially healthy child?

34:08 How do you know students are “getting it” beyond discussions in class? Are there any indications that the lessons are or are not sinking in?

36:29 What has your child/children taught you when it comes to money?

40:14 Two common long-term goals I hear from parents are saving for retirement and saving for their kid’s college. If resources are limited, how would you decide which goal to prioritize?

45:24 What are some of your favorite money lessons in your college financial literacy course?

49:46 What is your favorite free activity for the family?

Natasha was newly divorced with a young child and needed to return to the workforce. She struggled to pay her debts. After getting back on her feet, she started working for a credit union that allowed her career to grow. Equally important, her credit union provided invaluable tools that enabled her to reach her financial goals. Eventually, she started working with GreenPath and became debt free. Part of her role is to refer members to GreenPath – something she is even more inspired to do as she draws from her own deeply personal experience.

5:05 Natasha describes the difficult transition following her divorce.

6:14 She discusses how she navigated legal issues stemming from her debt.

8:41 Natasha’s new role at Frankenmuth CU provides money lessons she can apply to her own life.

10:43 She shares how she was able to grow her savings account.

14:42 Natasha takes steps to influence the financial health of her 4 and 11 year olds.

16:51 She details her experience on a Debt Management Plan with GreenPath for her collection accounts.

18:57 Natasha shifts her mindset from needing “things” to focusing on experiences.

25:20 She explains how she uses her personal experience with GreenPath to pay it forward as she supports her credit union members.

28:57 Natasha shares her upcoming financial goals now that she’s debt free.

30:43 She talks about her long term plans to save for her kids’ college, retirement and her wedding!

31:41 Natasha explains her motivation for sharing her story: breaking the wall that money is embarrassing.

33:28 She describes her mindset back when she was working 70 hours a week.

38:40 Natasha gives advice for individuals who are dealing with financial stress.

43:10 Our cohosts share practical money tips inspired by Natasha’s story.

For Liz, credit cards presented an opportunity to support the lifestyle she wanted. But as she first entered the working world after college, this lifestyle contributed to an increasing debt load. Eventually, she found her way to GreenPath but she wasn’t ready to make major changes to how her finances were handled. Sometime later, her pride took a hit when her electricity was cut off. This motivated her to seek our GreenPath’s support again… but this time, she was ready for a new approach. Hear her journey of how she transformed her mindset and moved towards a brighter financial future.

2:58 Liz describes the differences between how her family spent money growing up and her spending approach after she turned 18.

4:34 She talks about how her credit card debt started to become a point of stress.

7:44 Liz reflects on her past spending patterns with regret.

9:55 She talks about the time her power got shut off and how this affected her.

11:45 Liz realizes that her “Yelp-elite” lifestyle is not sustainable.

13:01 She grapples with how her decisions might affect her credit score in the short term vs. the long term.

15:16 Liz describes how her pride initially held her back from moving forward.

18:49 She talks about how her newfound savings habit has averted potential financial catastrophes.

22:30 Liz’s vulnerability with her friends makes it easier to find support.

25:24 She looks ahead to her next goals, like tackling her student loans.

28:56 Liz talks about her desire to trade in her condo for a small home with a garden.

31:50 She talks about what inspired her to share her story.

34:08 Liz reminds our listeners to be grateful for the little things.

35:57 Our co-hosts discuss three practical tips based on Liz’s story.

GreenPath Financial Service

GreenPath is a 60-year trusted national nonprofit, learn how GreenPath’s Debt Management Program can help you pay off your debt in 3-5 years, while helping you develop sound financial literacy.

It’s easy to look at Lauren’s finances today and take her success for granted.

She communicates openly with her husband and they work in tandem towards their shared goals. She partners with GreenPath to manage her household bills. She practices numerous healthy financial habits, like using an envelope system and savings buckets.

But it wasn’t always like this. Lauren’s journey to her current success is a great example of the power of persistence.

For over a decade, she desired support from a financial counseling agency but had not found one that met her needs. Talking about money with her spouse was a source of stress. She often struggled to pay for heating oil.

Fasten your seat belt for the winding (and sometimes bumpy) route that Lauren took to achieve financial wellness.

2:49 Lauren describes the frustrations and obstacles she and her husband faced with their money.

7:51 She discovers GreenPath and starts to develop a self-adminstered plan with mixed results.

9:14 They decide to start the Debt Management Plan and start making progress.

2:49 Lauren describes the frustrations and obstacles she and her husband faced with their money.

7:51 She discovers GreenPath and starts to develop a self-adminstered plan with mixed results.

9:14 They decide to start the Debt Management Plan and start making progress.

14:48 Lauren finds love in a very unexpected place… her debt collector!

16:35 She talks about how they run their finances like a town.

23:01 Lauren shares how her financial plan is having a positive impact on her mental and physical health.

25:40 She talks about how she literally picked up pennies to pay for a vacation.

32:28 Lauren describes how they’re using savings accounts to work towards their financial goals.

37:48 She discusses how she’s learned to communicate with her partner about money.

42:11 Lauren shares that she no longer wakes up in the middle of the night stressing over money.

43:47 She gives advice to others experiencing financial stress.

53:28 Our host recaps the practical money tips that are lifted up in Lauren’s story.

GreenPath Financial Service

GreenPath is a 60-year trusted national nonprofit, learn how GreenPath’s Debt Management Program can help you pay off your debt in 3-5 years, while helping you develop sound financial literacy.

Russell and Whitney were newly married with a newborn in their early 20s. While this presented them with a significant financial challenge, they were unprepared for what life had in store for them.

At the age of 24, Russell developed a medical condition that left him paralyzed for a time. Russell and Whitney had to learn how to navigate their new reality, including physical hurdles and financial obstacles like $700,000 in medical debt.

Their story is about resilience in the face of these obstacles… certainly financial resilience… and as you’ll hear, so much more. Russell and Whitney eventually started working with GreenPath in our financial coaching program to help achieve their financial goals. Hear their inspiring story in their own words.

2:44 Russell and Whitney speak about their money influences growing up.

7:04 They describe the challenges and joys of their early money journey together.

9:29 They explain how they handled their money obstacles after the birth of their son.

12:36 Their lives are changed forever when Russell has a medical scare that leaves him paralyzed.

21:07 In the aftermath of the start of Russell’s disability, they figure out how to stay afloat financially.

26:46: Russell explains how he ended up owing $700,000 in medical debt.

36:07 Whitney describes their experience (and regrets) taking out a title loan.

37:46 She talks about how and why their credit union referred them to GreenPath.

40:21 Whitney talks about starting a financial coaching program right as the pandemic began.

50:54 Russell talks about the long journey from being paralyzed to playing hockey.

53:05 Russell decides to return to work and explore transitioning from long-term disability.

1:05:03 They share goals like buying a home and starting a college fund.

1:16:11 They share advice for others who have (or have a loved one with) a medical condition.

1:21:36 Our cohosts, Chris and Omari share personal stories that they were inspired to share after hearing Russell and Whitney’s journey.

GreenPath Financial Service

GreenPath is a 60-year trusted national nonprofit, learn how GreenPath’s Debt Management Program can help you pay off your debt in 3-5 years, while helping you develop sound financial literacy.

Kenia grew up in El Salvador. Due in part to the violence in her native country, her family decided to immigrate to the United States when she was 11. Kenia’s family did not have a legal status and this reality shaped much of her experience growing up.

She eventually became a DACA recipient and this created opportunities when it came to her education. These same opportunities also impacted her finances, at times negatively.

Through it all, Kenia has remained very tight with her family—be inspired as you listen to the sacrifice that each of them has made to support one another.

Original artwork by Kenia depicting her and her family. To learn more about Kenia, please visit www.coffeewithkenia.com.

Special thanks to Andy Manthei and Nick Bechard.

2:55 Kenia talks about her experience with money when she first grew up in El Salvador.

5:35 She becomes very involved in her family’s finances when her family moves to the U.S. due to her parents’ language barriers.

8:29 Kenia shares a meaningful memory from her childhood when the power got cut off.

15:35 She explains what prevented her from being an undocumented “statistic” and how this inspired her to share her story.

17:52 Kenia tells the story of why getting a Sam’s Club membership reminded her father of the sacrifices he made.

23:12 She talks about how paying for college was only possible because of the collective efforts of her family.

25:00 She speaks to the pressure that came along with a full-time job including having to figure out how to get out of credit card debt.

31:33 Kenia talks about how she and her younger sister approach money differently when it comes to saving for the future and helping family in the present.

37:00 She talks about her future plans to move out and her regrets when it comes to not saving up for this earlier.

40:42 Kenia talks about her work as an advocate for latinx immigrant communities.

48:38 She talks about her family’s experience making the leap from renting to owning.

50:47 Kenia talks about her passion for inclusion efforts in the credit union industry.

57:55 Our co-hosts reflect on the lessons learned from Kenia’s story.

After getting into debt, Tanisha had feelings of shame and isolation. She turned to options that ended up increasing her stress, like payday loans.

But she found her way to GreenPath and discovered that she wasn’t alone. Inspired to build a better foundation for her son, she soon became debt-free.

Now, she’s an open book when it comes to discussing her money journey. And she’s taught her son well. In fact, the student has become the teacher as her son has started sharing money lessons with her.

2:09 Tanisha shares the money lessons learned from her parents.

4:34 Hear how she is intentional with her son when it comes to discussing finances.

8:01 Tanisha discusses how she first got into debt and how the birth of her son influenced her wanting to address this debt.

10:40 She finds GreenPath and feels supported by her financial counselor.

12:01 Tanisha discusses her feelings of anxiety and shame around her finances.

13:49 She shares why she is now an open book when it comes to discussing money and how she encourages others to do the same.

16:11 Tanisha discusses her experience with payday loans.

21:14 She talks about what it was like to be on a Debt Management Plan and how it affected her spending habits.

26:03 Tanisha thinks back to her feelings of liberation once she became debt-free.

28:00 She compares the difference between “buying” a house and “affording” a house.

29:24 Tanisha talks about her future goals, like retiring comfortably and affording college tuition for her son.

32:24 She gives advice to tackle debt head-on.

35:28 Tanisha’s son Noah joins us to discuss what he’s learned from her and what excites him about the stock market.

43:40 Our co-hosts reflect on the money lessons from Tanisha’s story.

GreenPath Financial Service

GreenPath is a 60-year trusted national nonprofit, learn how GreenPath’s Debt Management Program can help you pay off your debt in 3-5 years, while helping you develop sound financial literacy.

Victoria was enjoying life in her early 20s. Jeff had a budding career in the restaurant industry. Then things got real very quickly.

Would having a child while she was in college mean that Victoria would have to change her spending habits? Was Jeff ready to make a major career shift while Victoria was also starting her own business?

Jeff and Victoria faced a lot of pain on their journey to financial wellness. Pain from nearly losing their home in foreclosure. Pain from getting into $45,000 in credit card debt. But it was precisely this pain that ended up motivating them to change their life.

And even as they became debt-free, they continue to act with the same sense of urgency to reach their financial goals.

Join us for Jeff and Victoria’s Real Story and be inspired by the money lessons that they learned along the way.

3:46 Victoria and Jeff discuss how their families influenced their approach to money.

7:32 They adjust as the birth of their child in their early 20s has a profound impact on their finances and lifestyle.

11:36 The couple describes how an investment in their careers also led to credit card debt.

19:44 Victoria considers how despite the pain of accumulating debt, she appreciates the growth opportunities it provided.

23:23 Jeff talks about how despite being debt free, it’s important to keep the urgency that got them out of debt.

25:50 They discuss how they fell behind on their mortgage.

31:05 Victoria takes action to get their mortgage and credit card debt under control.

33:23 She discusses her experience meeting with their GreenPath Expert and how she was relieved that she was not being judged.

40:24 Victoria and Jeff describe their experience making adjustments to their spending.

43:39 They describe how COVID impacted their income and depleted their savings.

48:17 Jeff talks about how his improved credit allowed them to refinance and pay off their remaining credit card debt.

57:32 They talk about their financial goals, such as having a wedding and investing in a retirement account.

1:02:40 Victoria discusses what inspired her to share her story.

1:07:52 They share some advice for our listeners.

1:10:40 Our co-hosts discuss money lessons from Jeff & Victoria’s story.

As the son of immigrants who had to work extremely hard to make ends meet, David knows first-hand the importance of financial education and access to resources and opportunities. He is especially driven to connect with people who have limited access to the tools they need to be financially healthy.

Today, David is a trusted leader at GreenPath. Early in his career, he achieved his dream of completing his law degree. But he was at a crossroads as he considered how to tackle $200,000 in student loan debt.

Listen to his personal money journey and how it influenced his career at GreenPath.

2:23 David talks about how his upbringing shaped his mindset when it came to his education.

8:59 He decides to move across the country to attend college.

15:23 After taking out student loans, he considers how to manage them when he graduates.

17:49 He spontaneously moves back to Michigan without a job.

20:34 He starts working at GreenPath and begins establishing financial stability.

23:40 David decides to attend law school, but quickly faces a difficult decision.

29:30 David and his family struggle to cover the cost of paying for a house in Michigan while he attends law school in New York. He chooses to take on more student loans to cover his living expenses.

31:42 After graduating law school, he figures out how to handle more than 200,000 dollars in student loan debt with a growing family.

34:40 He decides to stay at GreenPath for the long term to pursue the Public Service Loan Forgiveness program.

41:55 He credits GreenPath’s loan counseling program as the basis for his knowledge of the complex forgiveness process.

46:55 David explains why his daughter shared his excitement when his loan was forgiven.

Molly MacDonald has lived at both ends of the financial spectrum. As a single mom of five, she rebounded from a financial catastrophe – only to be faced several years later with a new one after a breast cancer diagnosis.

She was unable to start her new job as planned. Her family’s already tight budget was immediately overburdened with the addition of a monthly COBRA health insurance payment, coupled with the loss of her income. Within months, MacDonald and her family faced the potential loss of their home.

As she came back from the financial abyss, she was determined to help others suffering from lost income as a result of their diagnosis and treatment. She founded The Pink Fund, which provides 90 days of non-medical financial aid to cover the basic costs of living expenses, such as health insurance, housing, transportation, and utilities. To learn more, please visit www.pinkfund.org.

3:41 Molly reflects on the early part of her life and the circumstances that led to her wealthy lifestyle.

6:03 Her family’s finances come crashing down after she learns that her husband’s business deals led to 15 million dollars of debt.

9:12 She makes some difficult transitions to re-establish financial independence for her and her five children.

17:06 She’s about to start a new job but the results of a routine mammogram put these plans on hold.

19:18 Her financial outlook suffers after she’s no longer able to work and must cover medical insurance out of pocket.

22:02 With her treatment successful, she struggles to put food on the table and turns to a food pantry.

27:06 Molly talks about the financial struggles that other patients undergoing treatment were experiencing.

32:38 She discusses how she started the Pink Fund and how it works.

40:55 She explains the concept of financial toxicity and how it affects people who have a long-term illness.

46:09 She offers financial advice for people facing a medical crisis.

52:16 Our hosts reflect on some of themes that came out of Molly’s story, including pride, uncertainty and the impact of the Pink Fund’s work.

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Stephanie has navigated payday loans, credit card debt, student loans, a foreclosure and an eviction. Through it all, her mindset facing these concerns has been inspirational. She’s been skillful at putting out each fire but she’s also working towards a future state where she can better absorb a financial shock. 

2:48 Stephanie discusses what led to her losing her condo in foreclosure.

8:00 She gets evicted after falling behind on her rent but is now exploring resources to help her transition from her women’s shelter.

12:05 She talks about the decisions she faces with completing her education.

14:36 Stephanie considers the financial impact of her getting partial student loan forgiveness.

18:08 She describes her experience reaching out to GreenPath.

24:00 Stephanie explains why she obtained and how she eventually addressed her payday loans.

26:44 She shares her goal of building up a savings cushion to better handle unexpected future hurdles.

29:17 Stephanie discusses how she could create an income stream for herself and the other women in the shelter.

32:00 She details why she is inspired to share her story with others.

36:01 Stephanie buys a $120 coat for $18!

38:01 She advises others to seek out help without fear.

40:42 Our cohosts reflect on Stephanie’s story. Topics include trust, accountability, growth mindset and quality of life.

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Throughout 2022, we’ve had lots of amazing guests. Three of our guests not only shared their personal stories but their professional expertise. So, today’s episode features the best of their advice.

Danny has written five personal finance books and appeared on numerous national television shows. He has given hundreds of presentations across the country helping others with money management. His mission is to show others that if a former schoolteacher can do well financially, they can too.

Shannon is the founder and CEO of the Financial Gym.  Her podcast, Martinis and Your Money has been going strong for seven7 years and 400 episodes. On her show, Shannon is not shy about talking about her own challenges.

Amanda is a financial therapist – in other words, a clinician specializing in money issues. She believes money can be a tool for transformation: something she learned firsthand. You can hear her on WNYC’s Death, Sex & Money podcast. She also leads personal finance courses on LinkedIn Learning.

1:14 Danny offers advice on how to gain a sense of control with your budget.

2:21 Shannon emphasizes the importance of an emergency fund for life’s inevitable surprises.

4:03 Amanda discusses a budgeting technique that offers flexibility.

5:51 Danny describes how to balance needs and wants when adhering to a budget.

6:24 Amanda shares how to treat yourself in a healthy way.

8:14 Danny’s personal journey illustrates how making sacrifices opened up more possibilities in the future.

10:27 Shannon details her experience making a tough decision that eventually led to more financial freedom.

14:22 Danny and Shannon discuss the importance of having open and honest money conversations with their children.

16:45 Amanda talks about the benefit of using “benign curiosity” to examine our own money behavior.

18:03 Amanda shares a word of caution when it comes to automated spending.

19:14 Shannon discusses why starting as early as possible to address financial health is important.

21:27 Amanda questions the wisdom of chasing the perfect credit score.

23:14 Amanda and Shannon remind us that although we’re all financially unique, we still have a lot in common.

In last month’s episodelast month’s episode, we introduced you to Derek. Today, we continue our conversation with him.

Derek runs several small businesses, something that seemed unlikely several years ago. Despite spending ten years in federal custody, he remained laser focused on learning as much as he could when it came to money. He even started a financial education program for his fellow inmates which he enhanced with materials from GreenPath.

Upon his release, he faced an economy and world turned upside down by the pandemic. But his resilience shown through. This resilience has helped him as he works on his financial goals and tries to effect change in his community.

To give to others is the ultimate service…

In another letter from Derek, he talks about his goal and reasons behind his inspiration help other inmates achieve financial wellness. You can read Derek’s full letter here.

2:48 Derek reflects on his experience receiving financial coaching from GreenPath as he worked on his financial goals.

6:46 He talks about how it’s not always easy to be your authentic self when you’re in a challenging environment.

10:06 After Derek lifts up a community need in Chicago, co-host Omari talks about how GreenPath is striving to build trust in Detroit.

12:33 Derek speaks about some of his financial goals, including expanding his businesses and investing in real estate.

15:40 He points out that possible regrets from his past ended up being learning opportunities.

18:29 Derek discusses change and growth and how his mindset has impacted his life. He reminds us that “nothing grows without changes”as he reflects on family members who are challenged to break out of past patterns.

23:32 He talks about how he’s trying to influence change in his community.

26:30 Derek expresses gratitude to GreenPath for giving him tools to help him become more financially resilient.

30:42 Learn what happened when Real $tories Host Chris proposed hugging Derek.

35:16 An excerpt from one of Derek’s letters to reflect on as Thanksgiving approaches

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A native of Chicago, Derek runs several small businesses. For him, success is not just measured by his financial success, but by the opportunities he creates for others in his community. Derek’s money story is as real as it gets. He has taken the lessons from his past life to fuel his personal growth. His wisdom reaches beyond money.

Our conversation is a roundtable interview with our co-hosts, Omari and Shamica and special guest, Mick Dumke. A reporter for ProPublica, Mick had originally interviewed Derek for a piece he wrote in 2013 which details how the drug trade in Chicago was run like a Fortune 500 company.

“My reason for reaching out to GreenPath is that the services your company offers are extremely important and greatly appreciated by those who have had the pleasure of utilizing them.”

A Letter from the United States Bureau of Prisons
The path to financial freedom is hard, and GreenPath is so proud to be part of Derek’s journey. You can read Derek’s full letter here.

4:36 Derek describes how multiple businesses and jobs help him work towards his financial goals.

8:21 He shares how he has redirected his energy to do what it takes to find success hustling.

15:24 Derek reflects back on how his childhood experiences influenced the decisions he made.

18:47 He discusses how and why his mindset shifted, both in terms of how he invested in himself and his community.

25:29 Derek starts a financial education program for incarcerated individuals.

27:28 Listen to Derek’s first letter to GreenPath from prison.

30:32 GreenPath’s materials are a springboard for Derek to create a customized curriculum for a re-entry program.

35:05 Upon his release, Derek finds a creative way to make money.

39:59 Derek describes how people reacted to his new mindset.

43:18 He describes how a personal tragedy led to his first getting involved in his business ventures.

46:34 Derek shares his wisdom about having a long-term mindset when it comes to your financial goals.

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Today’s episode features Kristin, a loyal listener of our podcast. As she reflects on her experience with GreenPath, she noticed that she had a smaller amount of debt than many of our guests. Despite this, her feelings of financial stress were just as great. In our conversation, Kristin talks about how she ended up in a cycle of debt with payday loans before she eventually got things under control.

Are you a GreenPath client? Consider sharing your story with us!

2:36 Kristin describes how she ended up trapped in a payday loan cycle.

6:28 After seeing she had a negative bank balance of nearly $1000, she explores options to regain control of her finances, but struggles to find a solution she’s comfortable with.

9:49 Kristin discusses the fear and shame she felt when she talked to GreenPath for the first time.

13:15 She shares how her GreenPath experience inspired her to make changes to her spending habits.

21:20 Kristin talks about what it was like to tackle her debt as a single person.

27:31 With her debt repayment complete, she looks towards her goals of building up her emergency and retirement savings.

29:00 After listening to this podcast, Kristin signs up for the Financial Gym to help her with her financial goals.

32:10 She reveals that she’s still uncertain about trusting herself to stay on her desired financial path.

33:46 Kristin shares how her $7500 in debt may have been less than that in other podcast stories, yet the amount still felt very big to her.

Practical Tips

44:14 The value of still talking to GreenPath if you don’t think your situation fits the typical mold

45:42 Overcoming the fear around taking steps to address a debt problem

46:31 Alternatives to avoid getting trapped in a payday loan cycle

49:01 How GreenPath’s empathetic approach differs from other interactions in the financial services industry when seeking out debt support

50:40 The power of believing in yourself to facilitate positive money changes

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