GreenPath Real Stories

Amanda’s financial journey began in college, where unexpected expenses pushed her to balance multiple responsibilities while managing student loan debt. Early on, she learned how quickly financial decisions can shape the future (and how little room there can be for missteps when money is tight).   As a working parent, she navigated tight finances, high childcare costs, and the strain of an unsupportive partner. Her story highlights how money challenges are often shaped by the realities of caregiving, relationships, and the demands of everyday life.  Over time, Amanda built more stability for herself and her family. Through persistence and self-advocacy, she improved her credit, purchased a home, and moved forward in her career—steps that reflect both financial progress and growing confidence.  Even through setbacks, including job loss, Amanda continued to adapt and redefine her relationship with money. Her story is one of resilience, resourcefulness, and building a life on her own terms while staying connected to what matters most.  Key Moments 2:49 Amanda reflects on her positive early experiences with money.  4:32 With money tight in college, she learned how to juggle competing priorities.  7:48 Amanda shares how taking out a private student loan with her father became a long-term financial burden.  13:12 She speaks candidly about navigating money as a new parent.  16:25 She shares practical strategies for stretching her budget with a young family.  19:35 Amanda reflects on the financial impact of being in an abusive relationship.  21:52 She recounts her journey to homeownership.  24:21 Amanda shares how she took steps to substantially increase her salary.  27:02 After being laid off, she relied on her PTO payout to help weather the financial uncertainty.  30:30 After co-signing a loan to help a family member buy furniture, Amanda learned a lasting financial lesson.  33:13 As an indie filmmaker, she has found passion in her work while continuing to navigate the challenge of funding a sustainable lifestyle.  37:30 She shares some of her favorite budgeting advice.  41:25 Our co-hosts reflect on the key themes that emerge from Amanda’s story.  GreenPath Financial Service GreenPath, A Financial Resource 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. Free Resources Free Resources

LeAnne’s financial journey once felt steady: minimal debt and retirement savings on track. But a decision to return to school, combined with unexpected job loss, quickly shifted her footing. Retirement savings were depleted, and credit card and student loan balances began to climb, bringing mounting stress that affected both her mental and physical health.  Undeterred, she explored resources and eventually found her way to GreenPath.  Five years later, she eliminated her credit card debt. While she still has work ahead of her to tackle her student debt and replenish her retirement savings, LeAnne is proud of what she has accomplished so far and eager to continue climbing towards a brighter financial future.    Key Moments 2:29  LeAnne talks about her experience with money growing up.  3:49  She talks about debt accumulation after she decided to attend school for graphic design and subsequently lost her job.  10:38  She speaks to the effect that her debt had on her mental and physical health.  11:49  She considers options for addressing her debt and eventually finds GreenPath.  13:25  She discusses her experience talking to GreenPath.  17:57  LeAnne reflects on the changes she made to her spending plan to ensure she could pay off her debt.  21:12  She celebrates the completion of her program.  21:59  Her student loans are still a source of stress.  24:40  She shares her inspiration for sharing her story.  32:16  Our cohosts reflect on the themes from LeAnne’s story.  GreenPath Financial Service GreenPath, A Financial Resource 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. Free Resources Free Resources

Rahkim’s experiences growing up profoundly shaped his relationship with money. From his family’s eviction to multiple cross-country moves during his college years, financial instability played a central role in his story.  After launching a successful career in banking, Rahkim turned his passion for financial education into what eventually became a full-time small business. While the transition came with a rocky start, today his work is making a meaningful impact on the people he serves.  Rahkim’s teachings may be unconventional, but they are deeply inclusive and culturally relevant—grounded in the real-life impact of financial trauma. For him, trauma isn’t just an abstract concept; it’s something he has lived through firsthand, including the loss he experienced after a recent house fire.  Listen to Rahkim’s story and learn from his wisdom, resilience, and lived experience.  Key Moments 2:44  Rahkim reflects on how his upbringing influenced his approach to money as an adult  6:44  Financial hardship shapes his college experience, including several cross-country moves  14:29  His career in banking exposes him to important financial lessons  19:34  A family eviction becomes a defining moment later in life  25:28  Rahkim shares how his passion for financial education developed  30:27  After resigning from his job, he faces early challenges on his entrepreneurial path  41:02  He shares some unconventional money wisdom  46:57  Rahkim connects his personal experiences to his teachings on financial trauma  51:29  He describes the impact of a recent house fire  56:01  He reflects on what safety and stability really mean  1:02:00  The cohosts reflect on key themes from Rahkim’s story  GreenPath Financial Service GreenPath, A Financial Resource 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. Free Resources Free Resources

For Sylvia, financial struggle was something she grew up with. Money was often tight, and the adults around her frequently relied on others to get by—an experience that shaped how she viewed independence and security.  As an adult, those early patterns followed her. After a difficult first marriage and mounting debt, Sylvia filed for bankruptcy and lost her home. But at the time, she didn’t feel like the experience changed her relationship with money.  Years later, she found herself in debt again—and this time, she decided to take a different approach. With support from GreenPath, Sylvia created a plan to tackle her debt and slowly rebuild her financial stability.  Along the way, she faced another challenge: opening up about her finances with her husband. When she finally did, it strengthened their relationship and helped them start planning for the future together.  Today, Sylvia is debt free and focused on the possibilities ahead. Her story is a reminder that financial setbacks don’t define your future—and that it’s never too late to start building a new path.  Key Moments 2:19 Sylvia reflects on the financial struggles she experienced growing up.  4:26 She describes the financial and personal challenges during her first marriage.  7:54 Watching her parents rely on others reinforces her desire for independence.  9:41 Her debt grows to a point that feels overwhelming.  11:44 Sylvia files for bankruptcy and loses her home but doesn’t feel like she learned lasting lessons at the time.  13:28 After falling into debt again, she begins exploring solutions—including GreenPath.  16:47 With support and a structured plan, she starts paying down debt while also building savings.  20:06 Sylvia struggles with whether to share her financial situation with her husband, but eventually opens up.  27:22 She becomes debt free and reflects on the lessons she’s learned along the way.  33:11 The cohosts reflect on the key themes from Sylvia’s story.  GreenPath Financial Service GreenPath, A Financial Resource 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. Free Resources Free Resources

Pedro and Elizabeth had different upbringings when it came to money.  Despite these differences, their financial future was looking bright for them and their young daughter.    But life threw them a curveball.  They suddenly lost their rental income they depended on and found out they were expecting a second child; a revelation that came several months into the pregnancy.   With their budget stretched thin and debt piling up, they knew they needed a new approach—one that required some tough sacrifices. Today, their finances have taken a positive turn. The challenges they faced not only reshaped their money habits but also strengthened their communication and set them up for long-term success.  Key Moments 2:45 Elizabeth and Pedro reflect on their different money experiences growing up.  6:25 As a newly married couple, their financial cushion enables them to pay less attention to the day-to-day of their finances.  11:07 After losing their rental income, their budget starts to get tighter.  16:11 They find out they’re going to have another child, but this has implications for their finances.  19:17 They work to gain more awareness of their finances so they can explore solutions.  23:58 Pedro and Elizabeth make some major sacrifices to help balance their budget.  27:01 They accept help from their community, including receiving food from local food banks.  31:51 They utilize a credit union to restructure their credit card and auto loan debt.   37:53 They consider their future goals and dreams.  45:11 Our cohosts reflect on the themes from Pedro and Elizabeth’s story.  GreenPath Financial Service GreenPath, A Financial Resource 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. Free Resources Free Resources

As a child, Jamara’s family struggled with finances.  While the adults in her life shielded her from the daily reality of this, it still shaped her relationship with money.   As an adult, she faced a different kind of challenge: a violent relationship that threatened her safety and her future. Leaving it required resolve, planning, and determination to create stability for herself and her daughter.  In unpacking her financial trauma, Jamara learned a great deal about money at her job.  Seeing gaps in financial education for her community, she launched a groundbreaking financial literacy program.    Today, she’s focused on building generational wealth and opening doors for others to do the same. Her story shows how financial knowledge, paired with lived experience, can create real momentum for change.  Key Moments 2:41   Jamara reflects on her family’s relationship with money growing up and how this affected her.  5:53   She shares her struggle surviving a domestically violent relationship and its impact on many aspects of her life, including her finances.  8:54   As a newly single parent, she navigates a difficult transition.  11:46   She starts to unpack her financial trauma as she works at a job that helps others with their personal finance.  15:43   She launches a financial literacy program in her community based on the needs of those that she serves.  23:10   Jamara discusses her goals around generational wealth.  26:11   She shares some of her favorite money tips.  36:30   Our cohosts reflect on the themes from Jamara’s story.  GreenPath Financial Service GreenPath, A Financial Resource 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. Free Resources Free Resources

Connie Smith’s journey with money began long before her first paycheck. Growing up in foster care, she didn’t have a built-in financial playbook—so when she bought her first home before age 20, rising mortgage rates quickly created challenges she wasn’t prepared for.  Instead of giving up, Connie got curious. Determined to do things differently, she learned everything she could about personal finances and put this newfound knowledge into practice.  Connie has always hustled when it comes to income opportunities, which has helped her achieve her financial goals. Today, she’s not only building a stable financial future for herself and her children; she’s also paying it forward as a foster parent, offering the kind of support she once needed.  Her story is a powerful reminder: with knowledge, determination, and heart, financial wellness is possible—no matter where you start.  Key Moments 2:28 Connie reflects on how growing up in foster care affected her relationship with money.  4:02 She buys her first home as a 19-year-old and winds up in an adjustable-rate mortgage.  6:43 Becoming a young mom gives her a new perspective on life and money.  8:34 She feels defeated after her credit card debt starts to mount but eventually uses a credit counseling agency to address her debt.  13:53 Connie approaches things differently the next time she buys a home.  16:16 She speaks to the side hustles that have helped bridge the gaps in her budget.  17:57 She offers advice to other entrepreneurs.  22:35 She talks about how she plans to set herself up for her financial future, including the importance of a financial cushion in retirement.  26:36 She gives some financial tips to parents.  34:31 Our cohosts reflect on the themes from Connie’s story.  GreenPath Financial Service GreenPath, A Financial Resource 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. Free Resources Free Resources

Khiara Cureton once dreamed of becoming a doctor—but life had other plans. After realizing medicine wasn’t her true calling, she pivoted toward a master’s program that opened the door to a rewarding career in healthcare—and $120,000 in student loan debt.  But how to navigate her student debt was a problem for her future self.    “Someday” came sooner than expected. While building a thriving wedding planning business on the side, Khiara became a single mom. Her son quickly became her motivation to build stability and create the kind of future she’d always envisioned.  Today, Khiara is taking charge of her finances—tackling her student loans head-on and making steady progress toward a bright financial future for both of them.  Key Moments 2:50 Khiara learns about the value of financial independence growing up.  6:48 Khiara wrestles with big decisions—what to study and where to build her future.  9:24 She accumulates over 100K in student loan debt, but frames this as a problem to be solved in the future.  12:45 She starts a wedding planning business to bring in extra income.  16:40 After her business closes, she launches two new ventures.  19:24 Khiara shares her thoughts on the flow of money in the African-American community.  21:14 She balances her own financial goals with those related to her son.  23:23 She discusses her approach tackling her student loans.  29:13 She speaks to her financial goals to save for travel experiences and philanthropy work.  36:57 Our cohosts reflect on the themes from Khiara’s story.  GreenPath Financial Service GreenPath, A Financial Resource 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. Free Resources Free Resources

For Lorrena Black, saving money when she was young didn’t come naturally. Raised by a hard-working single mother, she modeled a deep work ethic but struggled to save. When she joined the Army, her discipline and sense of duty grew — but her spending habits stayed the same. Her real turning point came years later, during a short-lived career as a financial advisor. Helping others with their finances forced her to take a closer look at her own. Though she eventually pivoted her career in a new direction, the lessons she learned about budgeting, saving, and planning for the future finally began to click. Today, Lorrena channels that hard-won wisdom into mentoring and leadership development, with a focus on serving veterans. She’s passionate about helping others unlock their potential — financially, personally, and professionally. Key Moments 2:25 Lorrena’s upbringing influences her work ethic. 5:01 When she joins the military, she ends up spending all the money she makes. 7:58 She incurs some credit card debt in her 20s but eventually leverages her budget to pay it down. 12:01 She starts a career as a financial advisor and applies the teachings to her own life. 14:54 Lorrena retires from the army and loses some of her financial focus initially. 17:46 She launches a small business. 21:19 She strives to develop leaders, with a focus on veterans. 22:32 She talks about her goals related to her business, retirement and giving. 23:20 She shares her favorite money tip: pay yourself first.  GreenPath Financial Service GreenPath, A Financial Resource 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. Free Resources Free Resources

Jess Jackson grew up believing she was solidly middle class. But once she arrived at college, she realized many of her peers came from far wealthier backgrounds. Determined to keep up, she borrowed more than she should have—decisions that later became a heavy financial burden.  Her journey has been one of jumping into new opportunities and learning through trial and error. She bought her first home at a young age, navigating plenty of financial growing pains along the way. Over time, those lessons fueled her growth into a successful business built around real estate investment.  As her career has evolved, Jess has had to reinvent herself more than once. The path hasn’t been easy, but her persistence and resilience continue to drive her forward—and inspire her to create a better world for those around her.  Key Moments 2:40 Jess reflects on how being around people of different financial means influenced her.  7:09 When she attends the University of Michigan, she feels pressure to keep up with the Joneses.  11:42 Her credit score prevents her from getting approved for housing while in a teaching program.  12:56 She optimizes available resources as she gets her MBA.  14:52 Jess buys her first house and learns a lot along the way.  19:26 She learns a financial lesson related to her business and taxes.  20:43 She balances her savings goals and student loan repayment goals.  23:09 She discusses shame and ego and how this contributed to her stress.  24:58 She experiences job loss and a subsequent mental breakdown but emerges in a better place.  28:58 Jess shares some practical money tips.  35:18 Our co-hosts reflect on the themes from Jess’ story.   GreenPath Financial Service Debt Management Program 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. Learn More Learn More

As Evelyn grew up in an immigrant Cuban-American household, money was seldom discussed. Faced with mounting debt after a job loss and family medical expenses, she didn’t know where to turn. The debt piled up quickly, and bankruptcy started to feel like her only option.  Looking for connection and answers, Evelyn shared her situation on social media. The support she received encouraged her to explore other solutions.  That’s when she found GreenPath. With a customized plan and ongoing support, Evelyn is now working toward becoming debt-free. For the first time, she feels hopeful about building financial stability and a stronger future.   Key Moments 2:26 Evelyn reflects on how her parents didn’t really talk about money growing up.  4:13 She borrows a lot of money to cover living expenses during college.  7:08 Job loss and her husband’s medical expenses end up affecting the family’s finances.  10:06 She considers bankruptcy after her debt becomes overwhelming but ends up stumbling on a referral to GreenPath.  12:24 She recounts the initial conversations she had with GreenPath and the relief she felt.  18:32 She shares about her financial journey on social media.  22:35 Evelyn discusses her approach to her student loans.  24:08 She considers her future goals around debt, savings, and homeownership.  27:06 She encourages others in similar situations to not navigate financial stress alone.  28:47 Our co-hosts reflect on the themes in Evelyn’s story.  GreenPath Financial Service Debt Management Program 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. Learn More Learn More

Emily grew up in a household where money was tight, shaping her mindset around finances as she entered adulthood. Eager to embrace life and support loved ones, she often found it hard to say no—leading to experiences she cherishes, but also to mounting debt she came to regret.  After her boss suggested she reach out to GreenPath, Emily made the call—and felt immediate relief after speaking with a caring financial expert. With GreenPath’s support, she transformed her approach to money and steadily paid down her debt.  Years later, Emily is debt-free and looking toward the future with hope and excitement—dreaming of one day owning a cozy home down a quiet dirt road.  Key Moments 2:19 Emily recalls how money was tight growing up and how her childhood influenced her spending patterns as she became an adult.  5:12 She started using a credit card for her job that eventually caused her some financial struggle.   8:00 As she helps her family members celebrate milestones, Emily’s finances get further strained.  13:35 After she became overwhelmed with her debt, her boss recommended that she reach out to GreenPath.  16:46 She recounts the relief she felt talking to GreenPath.  22:35 Emily discusses how her spending approach with her family has changed as she has become more disciplined with her finances.  25:47 She thinks back to the joyful feeling she had when she became debt- free.  27:53 Her money that had been allocated towards her debts gets used for some unexpected travel and medical expenses.  31:19 She shares her future dreams of homeownership.  39:08 Our co-hosts reflect on the themes and lessons learned from Emily’s story.  GreenPath Financial Service Debt Management Program 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. Learn More Learn More

Gail Perry-Mason is truly a legend in the financial literacy world, having inspired youth and countless others for nearly three decades.  Her story is one of resilience and strength. Abandoned by her birth parents, Gail found the power of love and stability through her adopted family. She faced and overcame numerous challenges while navigating college and building a career in an industry that was often unwelcoming to a Black woman.  Gail went on to found a financial literacy camp for teens and co-authored the bestselling book Girl, Make Your Money Grow! Her impact has caught the attention of luminaries such as Warren Buffett and Oprah Winfrey. Through her personal journey, Gail shares powerful lessons and pearls of financial wisdom that continue to uplift and empower.  Key Moments 2:27 Gail reflects on her childhood and how this affected her outlook on life.  5:44 She works hard to attend college but struggles with her finances in the process.  8:52 She reaches out to GreenPath at a young age for guidance on better budget management.  14:47 She takes on the difficult task of advancing in her career.  25:03 Gail starts a money camp for teens that is now nearing its 30th anniversary.  33:04 She shares some of the key takeaways from her bestselling book, Girl, Make Your Money Grow!, which was featured on Oprah’s Debt Diet.  36:15 She considers money lessons she’s learned from her children.  40:05 Gail shares her favorite pearls of wisdom.  GreenPath Financial Service Debt Management Program 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. Learn More Learn More

CM didn’t grow up worrying about money, but adulthood brought new financial realities. Grad school meant taking on student loans, and launching a small business after moving across the country meant relying on credit cards to get by.  Eventually, she returned to New York—and found her footing again. The steady presence of family and close friends played a role in helping her rebuild. Their support not only gave her a sense of stability but also reshaped the way she thought about money: not just as a tool, but as something to approach with intention.  A recent discovery—a fraudulent collection account—was a stark reminder of how quickly financial security can feel fragile. The experience was draining, but CM met the challenge head-on, navigating the red tape and clearing her name with persistence.  Today, CM has created a financial that life she is proud of. She’s more intentional, more informed—and still dreaming big.  Key Moments 2:31 CM reflects on her childhood and how she approached money as she entered adulthood.  5:40 On her own for the first time, she acknowledges that she missed opportunities to save.  8:38 She details her experiences with student loans.  12:15 She recalls the journey of becoming a small business owner.  18:02 CM moves out to Los Angeles and encounters some debt and life struggles.  24:49 As she ponders the influence of the financial mentors in her life, she shares her favorite financial lessons she tries to live by.  27:53 CM recounts her recent frustrations with financial fraud.  33:53 She considers her financial goals, including buying a property in Nice, France.  39:58 Our co-hosts reflect on themes and lessons from CM’s story.  GreenPath Financial Service Debt Management Program 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. Learn More Learn More

Today, we revisit two former guests, Regina and Renita. Regina first spoke to us in episode 27episode 27.  At the time, she was in the middle of her Debt Management Program and several years away from being debt-free. Today, with her program complete, she reflects on her accomplishment and shares her vision of the new financial future she’s created for herself.  We also catch up with Renita. Back in episode 44episode 44, she had recently completed her debt repayment plan and had just shared the details of her debt journey with her husband. A year and a half later, she continues to make strides on some of her financial goals. Her husband, inspired by her success, has even started working with GreenPath himself!  Share Your Thoughts Key Moments 3:14 Regina describes her experience making progress paying down her debt.  6:06 She recalls what it felt like when she became debt-free.  9:14 She discusses her new goals, including paying down her mortgage and building retirement and emergency savings.   15:52 She talks about her measured excitement about her financial future.  19:03 Renita talks about her debt progress as she focuses on her student loan repayment.  23:26 Her husband, inspired by her debt repayment success, enrolls on his own Debt Management Program with GreenPath.  25:44 She talks about some potential future financial goals such as home renovation.  31:14 Our cohosts reflect on the themes from Regina’s and Renita’s stories.  GreenPath Financial Service Debt Management Program 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. Learn More Learn More

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. Share Your Thoughts Key Moments 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 GreenPath, A Financial Resource 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. Free Resources Free Resources

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.   Share Your Thoughts Key Moments 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 Debt Management Program 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. Learn More Learn More

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  Key Moments 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 Debt Management Program 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. Learn More Learn More

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.  Key Moments 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 Debt Management Program 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. Learn More Learn More

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.  Key Moments 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 Debt Management Program 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. Learn More Learn More

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. Key Moments 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 Debt Management Program 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. Learn More Learn More

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. Key Moments 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 Debt Management Program 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. Learn More Learn More

Join Real $tories Live! Episode 54 to explore the vital link between mental and financial health with expert panelists.

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. Key Moments 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. Key Moments 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. Key Moments 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. Key Moments 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. Key Moments 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. Key Moments 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.

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. Key Moments 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. Key Moments 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. Key Moments 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. Key Moments 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. Key Moments 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 Key Moments 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. Key Moments 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. Key Moments 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.

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. Key Moments 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.

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. Share Your Story Key Moments 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.

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. Key Moments 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. Key Moments 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. What’s Your Feedback? Your reactions and feedback about the podcast are welcome. Please take this quick survey and let us know your thoughts.

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.  Key Moments 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. What’s Your Feedback? Your reactions and feedback about the podcast are welcome. Please take this quick survey and let us know your thoughts.

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 Kofke 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 McLay 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 Clayman 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. Key Moments 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. Key Moments 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 What’s Your Feedback? Your reactions and feedback about the podcast are welcome. Please take this quick survey and let us know.

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 PrisonsThe 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. Read Full Letter Key Moments 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. What’s Your Feedback? Your reactions and feedback about the podcast are welcome. Please take this quick survey and let us know.

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! Key Moments 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 What’s Your Feedback? Your reactions and feedback about the podcast are welcome. Please take this quick survey and let us know.

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. Key Moments 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 What’s Your Feedback? Your reactions and feedback about the podcast are welcome. Please take this quick survey and let us know.

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. Key Moments 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. Key Moments 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