GreenPath Real Stories: Recent Episodes
GreenPath Financial Wellness
Key TakeawaysBack-to-school shopping often creates hidden costs beyond basic classroom supplies, making budget overruns a frequent challenge for parents.
Taking immediate inventory, prioritizing essential items, and utilizing alternative purchasing methods can stop overspending in its tracks.
If back-to-school expenses leave you feeling overwhelmed or reliant on high-interest debt, GreenPath offers free financial counseling and a debt management program to help you get back on solid financial ground.
You start with a reasonable plan: a backpack if last year’s zipper finally gave out, a few notebooks, maybe new shoes if the current pair is barely hanging on. Then the school emails arrive, the supply list gets longer, and suddenly there are classroom fees, activity costs, lunch account deposits, and a calculator your child needs by Friday.
That is how a back-to-school budgetback-to-school budget that looked manageable in July can feel stretched thin by August. One trip for basics turns into three, and the “just a few things” list can quickly become a much bigger expense than you expected.
If this season has you adjusting, delaying, or rethinking purchases, you are not alone. Back-to-school spending has become one of the most demanding financial moments of the year for many families, especially when everyday costs are already high.
How Much Do Families Spend on Back-to-School Shopping?If your back-to-school spending goes over budget, it is easy to wonder if you missed something. But many families are running into the same problem: school supplies, clothing, technology, and activity costs have all become more expensive.
According to 2026 data from the National Retail Federation, families with elementary through high school students plan to spend an average of $863.86 on school-related purchases. When you multiply that across two or three children, the total cost can rival major holiday spending.
At the same time, household budgets are feeling squeezed from multiple directions. The 2026 Deloitte Back-to-School Survey found that 57% of surveyed parents expect the economy to worsen in the next six months, and 31% qualify as “hyper value-seekers.” Even so, these value seekers expect to spend about $610 per child—14% more than other parents—suggesting that deal-hunting is less about strict cutbacks and more about choosing purchases carefully.
When higher everyday costs meet last-minute school needs, even a thoughtful back-to-school budget can get knocked off track.
Why Back-to-School Expenses Multiply So FastBack-to-school expenses can snowball quickly. Here are a few common reasons the final total ends up higher than expected:
- Hidden fees add up: School supply lists usually cover pens, folders, and notebooks. They may not include athletic fees, art class materials, device protection plans, PTA dues, or school lunch account deposits.
- Kids outgrow things at the worst time: A child might fit into last year’s clothes in June and need new pants, shoes, or uniforms by August.
- Marketing and peer pressure are everywhere: Back-to-school season brings heavy marketing and social influencesocial influence. Students may ask for specific brand-name clothing, trendy water bottles, or popular backpacks.
- The “buy it all now” pressure is real: Retailers make it feel like every back-to-school purchase has to happen before the first day, which can create a big short-term hit to your cash flow.
What to Do When Back-to-School Costs Go Over BudgetWhen you realize your back-to-school spending has gone over budget, pause before making the next purchase. Panic can lead to quick decisions, like putting more on credit cards without a repayment plan or using short-term loans. These steps can help you reset before the balance gets harder to manage.
Step 1: Check What You Already HaveBefore buying another item, gather the school supplies, backpacks, and clothing already in your home. Check closets, desk drawers, craft bins, and anything left from the previous school year.
You may find unused loose-leaf paper, binders that still work, or scissors that never made it out of the drawer. Reusing what you already own is not settling; it is a smart way to save money for the back-to-school costs you cannot avoid.
Step 2: Sort “First Week” Needs from “Later” PurchasesMany school supply lists are built for the full year, not the first day. Your child may not need three packs of disinfectant wipes, 50 glue sticks, and four boxes of pencils right away.
Divide your list into two categories:
- First-week essentials: Items needed during the first two weeks of class, such as a basic backpack, required books, core notebooks, and a few outfits that fit.
- Later purchases: Items that can wait until September or October, like winter coats, project supplies, or backup art materials.
Spreading purchases across a few paychecks can ease pressure on your bank account. It may also help you catch post-start-of-school sales on items you do not need right away.
Step 3: Try Swap Groups and Secondhand OptionsChildren outgrow clothing long before the fabric wears out. Community buy-nothing groups, local parent swap events, and consignment stores can be helpful places to find back-to-school clothing at a lower cost.
A clothing swap with neighbors, friends, or other parents can help you find quality items without spending more. For calculators, sports equipment, or musical instruments, check secondhand platforms before buying new.
Step 4: Talk to the School EarlyIf school fees, field trips, uniforms, or technology costs are creating real financial strain, contact the school principal, counselor, or front office.
Many schools have fee waivers, supply closets, community resources, or confidential aid funds for families on tight budgets. Reaching out early gives the school more time to help.
Step 5: Be Careful with Financing at CheckoutWhen money is tight, Buy Now, Pay Later plansBuy Now, Pay Later plans or store credit cards can look like an easy fix. But splitting several purchases into payments can make it harder to see what you owe and when each payment is due.
A missed payment can bring late fees or high interest charges, adding more stress to an already tight season. Whenever possible, stick with cash, debit, or money you have already set aside.
Rebalancing Your Household Finances for the FallA seasonal budget spike often calls for two moves: a short-term reset and a plan for next year. Once your immediate back-to-school expenses are under control, take a look at the rest of your fall budget.
For the next few pay periods, look for small places to free up cash. You might pause a subscription, scale back dining out, or delay a non-urgent purchase. Put those savings directly toward your back-to-school balance so seasonal spending does not turn into long-term credit card debtcredit card debt.
Then, start planning for next year. Saving $10 or $15 a week in a dedicated back-to-school fund starting in September can create a useful cushion by next August. That savings can make school supply lists feel less stressful and give you more flexibility to shop sales when they happen.
When Back-to-School Stress Points to a Bigger Debt ChallengeSometimes, a back-to-school budget crunch is not just about notebooks and sneakers. It can also reveal that a household budget is already stretched by credit card balances, personal loans, medical bills, or other monthly obligations.
If you used credit cards to cover back-to-school expenses and are not sure how you will make the monthly payments, or if you are constantly moving money from one bill to cover another, it may be time to get professional financial guidance.
At GreenPath, certified financial counselorscertified financial counselors can help you look at your full financial picture without judgment. Together, you can create a realistic budget, prioritize payments, and explore options for managing debt. If high-interest credit card debt is making monthly payments difficult, a Debt Management Program (DMP)Debt Management Program (DMP) may help simplify repayment through one monthly payment and, in some cases, reduced interest rates or waived fees from participating creditors.
You do not have to handle financial stress alone. A free, confidential financial assessment can help you understand your options and build a clear path forward.
GreenPath Financial Service
GreenPath, A Financial ResourceIf 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 ResourcesFree Resources
Key TakeawaysHonest, age-appropriate conversations about money can help children feel more secure, even when your family is facing financial stress.
Everyday moments, from grocery shopping to adjusting family plans, can become opportunities to teach kids about money and build lifelong financial confidence.
If financial stress is making it difficult to plan ahead, GreenPath’s free financial counselingfree financial counseling can help you create a realistic path forward for your family.
Your child notices more than you think.
Maybe they’ve asked why you’re buying a different brand at the grocery store, skipping your usual Friday night takeout, or saying “not this month” when they ask for something new. Maybe they’ve overheard a conversation about bills or noticed that you seem more stressed than usualmore stressed than usual.
Children are naturally observant. Even when parents try to protect them from financial worries, kids often recognize when something has changed.
That doesn’t mean they need to know every detail of your family budget. But avoiding money conversations altogether can leave children to fill in the blanks themselves. And for many kids, uncertainty can feel more stressful than a simple, honest explanation.
Talking to kids about money during tough financial times isn’t about sharing adult problems. It’s about helping children understand what’s happening in a way that feels safe, honest, and appropriate for their age.
Those conversations can provide reassurance today while helping children develop healthy financial habits they can carry into adulthood.
Why Talking to Kids About Money MattersMany parents hesitate to discuss money because they don’t want their children to worry. That’s an understandable instinct.
But children often sense financial stress whether it’s discussed or not. They notice changes in routines, fewer purchases, canceled plans, or tension between adults. Without context, they may make assumptions or even believe they are responsible for changes happening at home.
A calm, age-appropriate conversation can replace uncertainty with reassurance.
Recent reporting shows that rising everyday costs are making these conversations more relevant for many families. A 2026 CNBC article noted that many parents are becoming more transparent with their children about money as household budgets tighten, including explaining why certain purchases may need to wait or no longer fit the family budget.
The goal isn’t to have a perfect conversation. It’s to create opportunities for children to learn about money and feel secure.
How to Talk to Kids About Money: Start with Reassurance, Not Financial DetailsWhen money feels tight, children are often asking a bigger question:
“Are we going to be okay?”
Start there.
Children need to know that the adults in their lives are working on the situation and making thoughtful choices. Depending on your family’s circumstances, that might sound like:
“Some things cost more than they used to, so we’re being extra careful with our money right now.”
Or:
“We’re making some changes to our spending so we can focus on the things our family needs most.”
Notice what these statements do. They acknowledge reality without creating fear.
Young children don’t need to know about credit card balances, overdue bills, or every financial concern you may be carrying. What they need is reassurance that they are loved, cared for, and not responsible for solving adult problems.
Tailor Money Conversations to Your Child’s AgeChildren understand money differently depending on their age and experienceage and experience.
For younger children, keep conversations simple and concrete. Preschoolers and early elementary-aged kids can begin learning that families make choices about how to spend money. Explaining that your family is choosing groceries over a new toy or a free activity over an expensive outing helps them understand that money is connected to priorities.
Elementary-aged children can begin to understand concepts like budgeting, comparing prices, and planning ahead. A grocery trip can become a lesson in finding value. A conversation about waiting to buy something can become a lesson about saving and decision-making.
Teenagers are often aware of financial issues beyond the household. They may hear about inflation, housing costs, or student debt from friends, school, or the news. Older kids may appreciate more transparency and can learn from conversations about budgeting, credit, saving, and long-term goals.
At every age, the goal is the same: share enough information to build understanding without placing financial responsibility on your child.
Teaching Kids About Money Through Everyday LifeThe most meaningful financial lessons often happen during ordinary moments. Psychology Today notes that when parents are under financial pressure, children may experience changes in routine, emotional support, and the overall mood at home.
A trip to the grocery store can become an opportunity to compare prices or talk about making choices. Planning a family activity can show children how a budget helps you decide where to spend money. Saving for a goal, whether it’s a family outing, a special purchase, or a holiday tradition, helps children see that budgeting isn’t only about saying no.
It’s about making room for what matters most.
You can also invite children into small, age-appropriate decisions:
- Comparing prices while shopping
- Planning a low-cost family activity
- Setting a savings goal
- Talking about needs versus wants
These experiences help children understand that money decisions and family budgetingfamily budgeting are things families manage thoughtfully—not something to fear. They also show that managing money is an ongoing process: families plan ahead, compare prices, delay some purchases, set goals, and make intentional choices about what matters most.
Be Honest About Financial Stress Without Creating AnxietyThere is a difference between being transparent and sharing financial worries in a way that children aren’t equipped to handle.
For example, saying “We’re broke” may feel like an honest expression of stress, but a child may interpret it as meaning their home or security is at risk.
Instead, focus on language that acknowledges challenges while emphasizing problem-solving.
| Instead of saying… | Try saying… | | --- | --- | | “We’re broke.” | “We’re being careful with our money right now.” | | “We can’t afford that.” | “That isn’t something we’re choosing to spend money on today.” | | “Stop asking for things.” | “I know you want that. Let’s talk about where it fits with our family priorities.” | | “Money is really bad right now.” | “Some things cost more, so we’re making a plan for what our family needs most.” |
Children learn not only from what adults say but also from how adults respond to challenges. Seeing parents approach financial decisions calmly can help children develop confidence and resilience.
Make Sure Children Don’t Feel ResponsibleMany children respond to financial stress by looking for ways to help.
A child might say they don’t need a birthday gift, offer to quit an activity they enjoy, or worry about asking for something they want.
Those reactions often come from love and concern. But children should not feel responsible for solving family finances.
Thank them for caring and remind them that managing money is an adult responsibility. Their job is to continue learning, growing, and being a kid.
Free Support Is AvailableMoney conversations don’t have to be perfect to be meaningful. By talking openly with children, using age-appropriate explanations, and modeling thoughtful decision-making, parents can help kids build confidence and a healthier understanding of money.
The lessons children learn during challenging financial seasons can stay with them long after the immediate challenge has passed. If money stress is affecting your family, GreenPath’s certified financial counselorscertified financial counselors can help you review your budget, manage debt, and create a realistic path forward—at no cost.
GreenPath Financial Service
GreenPath, A Financial ResourceIf 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 ResourcesFree Resources
Basiliso’s relationship with money was shaped early as he grew up in a household navigating public assistance and the realities of financial instability.
After facing significant personal hardship during and after a marriage, including debt, a declining credit score, and the challenge of starting over, Basiliso began the difficult process of rebuilding. Moving back in with family became a turning point, giving him the space to stabilize, save, and regain control of his financial future.
The deaths of his ex-wife and mother brought both emotional and financial challenges but also highlighted the importance of preparation. Through life insurance and Social Security survivor benefits, Basiliso was able to navigate complex systems and access critical financial support during times of crisis.
These lived experiences shaped his professional path. Today, as a certified financial social worker, Basiliso supports others at the intersection of money and mental health by advocating for caregivers, addressing financial trauma, and helping clients build plans that reflect their real lives.
Basiliso offers practical, adaptable strategies grounded in one core truth: personal finance is never one-size-fits-all. Listen for an honest look at resilience, preparation, and the emotional and practical sides of money.
Key Moments3:28 Bas talks about growing up in a lower income household and how this shaped him as he entered adulthood.
8:42 He discusses the life and financial challenges he faced during his separation.
13:42 He recalls how life insurance and social security death benefits were pivotal to his finances after the death of his ex-spouse.
18:04 Bas becomes a Certified Financial Social Worker.
21:52 He shares his approach to integrating finances into his social work.
24:29 He speaks about financial stress and financial abuse, both in his work and personal life.
26:46 He gives his favorite financial tips.
36:57 Bas considers his financial goals and dreams, including tackling his business debt.
42:58 Our cohosts reflect on the themes from Bas’ story.
GreenPath Financial Service
GreenPath, A Financial ResourceIf 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 ResourcesFree Resources
Key TakeawaysA Debt Management Program (DMP) can simplify repayment by combining payments and lowering interest rates and fees.
There may be short-term trade-offs, like closing credit cards or a temporary credit score dip, but most people see long-term financial improvements.
GreenPath’s DMP provides a structured, supportive path to pay off debt faster while building healthier financial habits over time.
Thinking About a Debt Management Program? Start Here.Maybe you’ve been making payments but not seeing the balance budge. Or one expense turned into a balance that’s now hard to ignore. However you got here, if you’ve started looking into a Debt Management ProgramDebt Management Program, you’ve probably also got a list of questions.
That’s a good thing! The more you understand your options, the more confident you’ll feel moving forward. Let’s walk through the most frequent questions together.
What is a Debt Management Program and how does it work?A Debt Management Program (DMP) is a structured plan offered by nonprofit credit counseling agencies, such as GreenPath, to help individuals pay off unsecured debts through a single, manageable monthly payment.
Each payday, you deposit funds into a secure GreenPath account, and we pay your creditors on your behalf.
Who is eligible for a DMP?The DMP is designed for people with unsecured debtunsecured debt, such as credit cards, department store cards, medical bills, or personal loans, and the program is tailored to your unique financial situation.
A DMP can be a smart solution for those struggling with high-interest credit card debt. It’s especially valuable if you’re:
- Making only minimum payments and not seeing progress
- Juggling multiple credit card accounts
- Facing mounting interest that makes it hard to pay off balances
How much could I save on a DMP versus repaying debt on my own?While every situation is different, many people see meaningful savings with a DMP. For the average DMP client:
- Interest rates can drop from about 28% to 6.6%, helping more of each payment go toward your balance
- Monthly payments decrease by about $199
- Interest savings add up to roughly $29,700 over time
- Debt is paid off faster (about 7 years sooner)
How do I know a DMP isn’t a scam?GreenPath is a trusted national nonprofit. Since 1961, we’ve helped households across the country repay billions of dollars in debt. We don’t work for banks, but we do partner with more than 650 banks, credit unions, and employers nationwide. Creditors often support DMPs because they see the results: people repaying debt in a manageable way that leads to long-term stability.
How much does it cost for a debt management program?DMP setup fees and monthly fees vary based on your state of residence and debt amount. On average, GreenPath clients are charged a one-time enrollment fee of $35 and a $31 monthly fee. This is minimal considering the amount of money our clients typically save in waived late fees, waived over limit fees, and reduced credit card interest charges.
Do I have to sign a contract if I begin a debt management program?There is an agreement you will sign when starting a DMP. The agreement specifies program details and gives us permission to pay creditors on your behalf. The agreement is not binding, and you can cancel the program at any time.
Will enrolling hurt my credit score?GreenPath does not report to credit bureaus (Experian, TransUnion, or Equifax). You may see a temporary dip at first, especially as accounts close.
Over time, many people see improvement. Consistent, on-time payments and decreasing balances are positive signals your credit history will reflect.
Are debt management programs different from debt settlement?Yes. Debt management programs are designed to pay off the entire amount you owe in 3 to 5 years. If we can lower your interest rates, the total amount you pay to your credit card company is typically less than if you paid on your own.
Debt settlement typically involves requesting credit card companies to forgive a portion of your debt in exchange for a lump sum payment. Be sure to understand the risks of debt settlementunderstand the risks of debt settlement if you’re considering this option.
What is the difference between debt management programs and debt consolidation?A DMP is set up through a nonprofit credit counseling agency like GreenPath. Instead of taking out a new loan, your existing debts are included in a structured repayment program. Your creditors may agree to lower interest rates and fees, and you make one consistent monthly payment based on what fits your budget.
Debt consolidationDebt consolidation typically means taking out a new loan (or using a balance transfer card) to combine multiple debts into one. While this can simplify payments, it doesn’t always reduce interest rates—and approval often depends on your credit score.
Can I keep some credit card accounts open?Since the goal of a DMP is to eliminate your debt, this process begins with closing the credit cards included in your program. If you need to keep one card for emergencies or business, we can evaluate your options together.
What is a proposal?A proposal is a document sent to your creditors requesting adjusted terms—like a new payment amount, lower interest rate, or other concessions.
It’s what helps make repayment more manageable by aligning your accounts into a more consistent structure.
What are concessions?Concessions are the adjustments creditors may agree to, such as reduced interest rates, extended repayment periods, or waived fees.
These changes are a big part of what makes a DMP effective—lowering costs and making payments more predictable.
How long will the program take?Contracts are typically for the maximum period allowed by the state (60 months). Early completion due to creditor concessions will successfully close your DMP.
Still have questions? Let’s talk.You can connect with HUD- and NFCC-certified GreenPath counselors during business hours for a free, confidential consultation and also check out our FAQ page.FAQ page.
And if you’re already enrolled in GreenPath’s DMP, you have access to a private online community where people share advice, ask questions, and support each other along the way.
GreenPath Financial Service
Debt Management ProgramGreenPath 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 MoreLearn More
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 Moments2:49 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 ResourceIf 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 ResourcesFree Resources
Key TakeawaysA government shutdown can cause sudden income loss, but there are steps you can take to reduce stress and stay afloat.
Federal employees are guaranteed back pay once the shutdown ends, but contractors and essential workers may not receive the same protections.
Free financial counselingFree financial counseling and community resources are available to help you navigate financial challenges during a shutdown.
When a government shutdown happens, it’s more than a political event—it directly affects households and communities. If you’re a federal worker, contractor, or someone indirectly impacted, the sudden loss of income can feel overwhelming.
You are not alone. And you are not without options. Here are some immediate steps you can take to stabilize your finances and access support.
Stay Informed and ConnectedFirst things first—stay updated on the shutdown’s progress. Having information helps you plan and adjust. Government agencies and news outlets like the Associated Press, Reuters, or your local public radio station provide real-time updates and alerts.
Don’t go through this alone. Lean on friends, family, coworkers, and community groups. Talking about what you’re experiencing can ease stress and may connect you to resources you hadn’t considered.
Take Care of Yourself and Your Family Shutdowns are stressful. Make space for your physical and mental health—eat well, exercise, and step away from the news when it gets overwhelming. Your well-being is just as important as your budget.
Smart Financial Moves During a Government ShutdownLosing a paycheck, even temporarily, can throw household finances into chaos. Here are some steps that can help:
- Know your back pay rights. All furloughed federal employees are guaranteed retroactive pay once the shutdown ends, under the Government Employee Fair Treatment Act of 2019. Contractors, however, are generally not covered by that law and may not be entitled to back pay.
- Check unemployment eligibility. Furloughed federal employees may qualify for Unemployment Compensation for Federal Employees (UCFE), but rules vary by state (OPM.gov). Essential (excepted) employees required to work without pay are generally ineligible. Contractors typically do not qualify under UCFE
- Talk to creditors before you miss a payment. Many banks, mortgage lenders, and service providers offer hardship programs (fee waivers, temporary forbearance, deferrals), but these aren’t guaranteed—ask what’s available.
- Prioritize housing, utilities, and essentials. Pay for food, rent/mortgage, and essential expensesessential expenses before unsecured debts like credit cards. Keeping a roof over your head and lights on comes first.
- Look into community resources. Call 211 or visit 211.org to connect with food banks, housing support, or health services.
- Use caution with payday loans or “quick cash” options. These often come with high interest and fees, which can worsen your financial situation long term. Instead, check with your financial institution to see what options they may offer.
- Consider short-term income options. Depending on your situation, side jobs such as rideshare driving or tutoring may help temporarily, though they may not be feasible for everyone.
- Talk to creditors before you miss a payment. Many banks, mortgage lenders, and service providers offer hardship programs (fee waivers, temporary forbearance, deferrals), but these aren’t guaranteed—ask what’s available.
You Don’t Have to Do This Alone. GreenPath Financial Wellness: Connect with NFCC- and HUD- certified financial counselors who can help you navigate your options and build a plan. * 211: Dial 211 or visit 211.org for food, housing, and utility support. * Federal Employee Education & Assistance Fund (FEEA): Offers limited emergency hardship loans and grants for eligible federal employees (FEEA.org). * State Health & Human Services*: Visit your state’s HHS website for programs related to food, healthcare, and emergency assistance.
GreenPath Financial Service
Debt Management ProgramGreenPath 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 MoreLearn More
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 Moments2:40 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 ProgramGreenPath 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 MoreLearn More
Key TakeawaysMoney lessons start at home. Everyday conversations help kids build strong financial foundations.
Hands-on experiences beat lectures—let kids practice saving, spending, and giving in real-life scenarios.
You don’t have to do it alone—GreenPath offers free financial counselingfree financial counseling to support families in building financial wellness.
A Wells Fargo study found that 85% of parents believe they should have more conversations about good money habits with their kids, yet around one-third felt uncomfortable doing so.
This gap often leaves parents as the first—and sometimes only—teachers when it comes to money. The good news? Kids are like sponges, and the earlier they’re introduced to financial basics, the more confident they’ll be as adults.
So, how do you start teaching children about moneyteaching children about money without overwhelming them—or yourself? The key is weaving money lessons into everyday life in ways that feel natural, fun, and empowering. Here are five simple, hands-on strategies to help your kids build financial literacy at home.
- Talk Candidly About Financial Literacy Money doesn’t have to be a taboo subject. Instead of avoiding financial conversations, bring your kids into the discussion in a low-pressure way. Ask them to help decide whether it makes sense to eat out or cook at home—these are personal finance decisions that families make regularly.
Debate the pros and cons of adopting a new pet. Invite their input on how to save up for a family vacation. Setting financial goals, like saving for a trip, helps children understand the importance of planning for future expenses. These conversations help build children’s financial understanding from an early age.
The goal isn’t perfection; it’s creating a safe space where your children see money as something to think about openly, not fear. Healthy attitudes toward money start at home, and you set the tone.
- Turn Screen Time into Savings Technology can be a tool, not just a distraction. With kid-friendly finance apps like FamZoo, Greenlight, or Current, children can learn how to save money effectively by setting savings goals, tracking allowance, or practicing using a debit card for small purchases.
Seeing their progress visually makes saving exciting while giving them a sense of control. Developing good saving habits early can set kids on the path to financial success.
Remember, just as adults benefit from financial apps, kids can too. It’s an easy way to transform screen time into a valuable money lesson.
-
Keep it Real with Everyday Money Lessons Swipe-and-go spending makes money feel abstract. To make it real, let kids participate in everyday money management:
-
Compare grocery store prices and add up the total as you shop.
- Ask them to track how much you’ve saved by choosing a generic brand.
- Encourage involvement in school fundraisers, then reflect together on what worked and what could improve.
- Talk about how borrowing money works and the importance of debt management as part of financial literacy.
These moments show kids that money isn’t just numbers on a screen—it’s something that affects decisions, trade-offs, and real-world outcomes. They also help children learn to make responsible financial decisions.
- Teach the Value of Giving Back Helping children see money as a tool for generosity is just as important as teaching saving and spending. Many apps allow kids to set aside money for charitable giving. Or you can simply encourage them to choose a cause they care about, like helping animals or supporting a local food bank.
Talking about giving teaches kids that money has power beyond personal goals—it can also make a difference in the world around them.
- Start a Financial Education Library Books bring big ideas down to kid level. Titles like Madeline’s Money Adventure for younger readers or How to Moneyfor teensmake financial literacy approachable. A trip to the library can spark curiosity and keep money lessons lighthearted and fun. Financial literacy education resources, such as books and online materials, can make learning about money engaging for kids.
Tip(Want more family-friendly financial reads? Check out our Book$mart list for all age groups.)
Why It Matters When teaching children about money, you’re not just preparing them to save for a new toy or manage allowance. You’re setting the stage for lifelong skills: budgeting, critical thinking, generosity, and confidence.
These skills are essential for managing personal finances, including paying down student loans, buying a first car, or managing a household budget. Financial literacy is important because it equips children with the skills they need to make sound financial choices throughout life.
Financial literacy for kids doesn’t have to be complicated. Talk openly, make money visible through daily activities, and encourage both saving and giving. Small, consistent steps make the biggest difference.
You Might Also Be Interested In…* Real Stories Ep 48: The Road to Home: Jasmine Paul’s Inspiring ResilienceReal Stories Ep 48: The Road to Home: Jasmine Paul’s Inspiring Resilience GreenPath Financial Service
GreenPath, A Financial ResourceIf 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 ResourcesFree Resources
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 Moments2:26 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 ProgramGreenPath 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 MoreLearn More
Key TakeawaysBankruptcy can offer a fresh start, but it comes with long-term consequences and should be carefully considered.
There are different types of bankruptcy, and understanding the differences is key to making the right choice.
A free sessionfree session with a GreenPath financial counselor can help you explore your options before you commit to filing.
NoteThis article is intended for informational purposes only and does not constitute legal advice. GreenPath Financial Wellness is not a law firm and does not provide legal services. For guidance specific to your situation, please consult a qualified bankruptcy attorney.
If you’re feeling overwhelmed by debt and struggling to make ends meet, the idea of bankruptcy might feel like both a last resort and a lifeline. And in some cases, it can offer the financial reset people desperately need. But it’s also a major financial step—one with long-term consequences—so it’s important to fully understand what you’re getting into.
What Is Bankruptcy?Bankruptcy is a legal process designed to help individuals or businesses who can’t pay their debts. When you file for bankruptcy, you’re asking the courts to discharge or reorganize your debts under federal protection. Bankruptcy is governed by bankruptcy law and the bankruptcy code, which set out the rules and procedures for the process.
Depending on the type of bankruptcy you file, some of your debts may be wiped out entirely, while others may be restructured into a manageable repayment plan. Personal bankruptcy cases are handled in bankruptcy court under federal law, where the court oversees the filing, reviews petitions, and manages the legal proceedings.
While bankruptcy is meant to give you a fresh start, it does leave a lasting mark on your credit and can impact your ability to borrow money, rent housing, or even get certain jobs. Understanding the bankruptcy code and the differences between types of personal bankruptcy is important before proceeding.
Common Types of BankruptcyMost personal bankruptcies in the U.S. are Chapter 7 or Chapter 13 bankruptcy cases, and bankruptcy filings under these chapters are a common form of debt relief for those struggling with overwhelming debt.
Chapter 7 – LiquidationAlso known as “straight bankruptcy,” Chapter 7 allows you to wipe out most unsecured debts, like credit cards, medical bills, and personal loans. In return, you may have to give up some assets—although many people who file Chapter 7 qualify for exemptions that allow them to keep things like their home, car, or essential belongings.
Some debts, such as certain taxes, child support, and federal student loans, are considered non dischargeable debts and cannot be eliminated through Chapter 7 bankruptcy.
Who it’s for: People with limited income and few assets who can’t realistically pay back their debts.
Pros:
- Fast (typically 3–6 months)
- Discharges most unsecured debt
Cons:
- Fast (typically 3–6 months)
- Discharges most unsecured debt
While most unsecured debts can be wiped out, some assets, such as personal injury settlements, may be considered exempt property depending on state law.
To receive a bankruptcy discharge, you must complete all required steps, including the debtor education course, and the discharge releases you from personal liability for most debts.
Chapter 13 – ReorganizationChapter 13 is a court-approved repayment plan. You work with the court to develop a plan (typically 3–5 years) to repay all or part of your debts. The plan involves making a monthly payment based on your regular income, and the court may adjust the interest rate on certain debts. This type of bankruptcy allows you to keep your assets, including your home and car, as long as you stay current on the repayment schedule.
Who it’s for: People with regular income who can make consistent monthly payments and can afford to pay back some of their debts over time.
Pros:
- Keep your assets
- Can stop foreclosure or repossession. Chapter 13 can help you catch up on mortgage payments and car loans.
Cons:
- Long process (3–5 years)
- Stays on your credit report for 7 years
In some cases, you may be able to pay off certain secured debts, like a car loan, with a lump sum payment as part of the plan.
What Bankruptcy Can and Can’t DoBankruptcy can be powerful, but it’s not a magic wand. Here’s a quick rundown of what it can and can’t do:
Bankruptcy can:
- Stop creditor harassment and wage garnishments
- Pause foreclosure or repossession — and in some cases, help you keep your home or vehicle
- Discharge most unsecured debts, including credit cards and personal loans
- Eliminate medical debt, depending on the circumstances
Bankruptcy can’t:
- Erase secured debts without surrendering the collateral (like a home or car)
- Easily discharge student loans — although recent policy changes may allow relief for some borrowers facing long-term hardship
- Eliminate certain debts like recent tax bills, child support, and alimony
- Protect your co-signer — even if your obligation is wiped out, your co-signer may still be responsible for repayment
Will Bankruptcy Ruin My Credit?It’s true—filing for bankruptcy will hurt your credit. A Chapter 7 bankruptcy stays on your credit report for 10 years, and Chapter 13 for 7 years. Your credit score may drop significantly, especially at first.
But here’s the thing: if your credit has already taken a hit due to missed payments, maxed-out cards, or collections, bankruptcy might not cause as much additional damage as you’d expect. For some people, it’s the first step toward rebuilding.
And yes, you can rebuild your credit after bankruptcy. It takes time and discipline, but many people qualify for a secured credit card or even a car loan within a couple years of filing.
What Does the Bankruptcy Process Involve?Filing for bankruptcy isn’t just filling out a form—it’s a structured legal process. Careful preparation is essential, and you will need to gather financial documents such as pay stubs and bank account statements.
Here’s what typically happens:
- Credit Counseling: Before filing, you must complete a credit counseling course from an approved provider. A certified credit counselor will review your finances, help with budget planning, and explain bankruptcy alternatives. You’ll receive a certificate required for filing.
- Filing the Petition: You or your bankruptcy attorney will file the bankruptcy petition and required forms with the bankruptcy court. Filing fees apply unless waived. Once submitted, your case receives a bankruptcy case number for tracking.
- Automatic Stay: Filing triggers an automatic stay, which halts most collection actions—like creditor calls, lawsuits, wage garnishments, and foreclosures—while your case is under federal court protection.
- Meeting of Creditors: At the 341 meeting, a bankruptcy trustee and creditors may ask questions about your finances. The trustee reviews your case, while the judge handles any disputes and final approvals.
- Resolution: In Chapter 7, eligible debts are discharged after court approval. In Chapter 13, you’ll follow a court-approved repayment plan. Completion of a debtor education course is required for discharge.
NoteFree legal services may be available if you cannot afford a bankruptcy lawyer.
Should I File Bankruptcy?This is the million-dollar question. Bankruptcy might make sense if:
- You’re drowning in debt and can’t see a way out
- You’re facing foreclosure or repossession
- Your household income is below 150% of the federal poverty line, which may qualify you for fee waivers or specific bankruptcy chapters
- Your wages are being garnished
- You’ve already tried budgeting or debt repayment programs without success
Understanding your overall financial health and the factors affecting your finances is crucial for making the right choice. If your situation is more temporary, or if your debt load is manageable with help, bankruptcy might not be necessary. Having regular income may also make you eligible for certain types of bankruptcy or alternative debt relief options.
Explore All Your Options FirstBefore jumping into bankruptcy, it’s wise to explore alternativesexplore alternatives. Debt relief options, such as consumer credit counseling, may help you avoid bankruptcy. Some other paths to consider:
- Debt Management Programs – These can help lower interest rates and consolidate payments without taking out a new loan. GreenPath offers a structured Debt Management Program (DMP)Debt Management Program (DMP) designed to help you pay off debt within 3-5 years.
- Financial Counseling – A nonprofit financial counselor or credit counselor can help you review your entire situation, explain your options for debt relief, and help you understand the implications of bankruptcy laws and whether consumer credit counseling is a better alternative.
- Debt Settlement – This involves negotiating with creditors to settle your debt for less than you owe. Be cautious: settlement can damage your credit and involve fees.
Talk to Someone You Can Trust Bankruptcy is complicated—and deeply personal. You don’t have to figure it out alone.
Our certified financial counselors help thousands of people each year explore their options. In a free, confidential session, we’ll review your full financial picture and help you decide whether bankruptcy is the right step—or if there’s another solution that better fits your goals.
Understanding how bankruptcy works is key to making an informed decision. And if you do choose to file, a qualified bankruptcy attorney can guide you through the legal process and ensure everything is handled correctly.
You Might Also Be Interested In…* Matt and Kendal Face Bankruptcy, Find ResilienceMatt and Kendal Face Bankruptcy, Find Resilience GreenPath Financial Service
Debt Management ProgramGreenPath 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 MoreLearn 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 Moments2:19 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 ProgramGreenPath 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 MoreLearn More
Key TakeawaysA mid-year financial check-in helps you assess, organize, and improve your financial health.
Steps like budgeting, strategizing debt payoffdebt payoff, and automating payments can lead to big savings.
Use this checklist to reduce money stress and finish the year financially stronger.
Why a Mid-Year Financial Cleanse MattersWhen you hear the word “cleanse,” you might think of juice detoxes or closet cleanouts—but have you considered a financial cleanse?
Now that we’ve hit the midpoint of the year, it’s a great time to declutter your money habits, recheck your progress, and build a plan that aligns with your goalsaligns with your goals—whether it’s tackling debt, saving more, or simply getting organized. Use this 10-step checklist to streamline your finances and reset with intention.
-
Think Big Picture: What Does Your Current Financial Landscape Look Like?Before you tackle a messy room, it helps to know what you’re getting into first. A budget works the same way—it starts with awareness. Begin your mid-year financial review by assessing your overall financial situation. Look at your bank statements, credit card statements, and other financial documents to better understand your income, expenses, and debt. Are there areas you can trim? Maybe you’re overpaying on auto insurance, cable, or internet—a little comparison shopping or rate negotiation could reveal big savings.
-
Build a Budget That Reflects Your Life and GoalsWhether you prefer spreadsheets, money management apps, or an interactive budgeting worksheetinteractive budgeting worksheet, the how is less important than the why. And here’s the why: a budget is one of the most effective tools to stay organized, track spending, and gain peace of mind. Review your current budget or build a new one if you’re starting fresh. Include specific categories for your income, fixed expenses, and variable costs, and try to allocate even a small amount toward savings or emergency funds. This is how you prepare for the unexpected and avoid added stress down the line.
-
Tackle Your Debt StrategicallyStart by listing your outstanding debts, interest rates, and monthly payments to get a clear picture of what you owe. Then consider your options—especially if you’re only making minimum payments and struggling to make a dent. A Debt Management Program (DMP)Debt Management Program (DMP) is designed to help you lower interest rates, combine multiple payments into one, and pay off debt faster—without taking on new loans.
-
Organize Your Financial Documents (Yes, It’s Worth It!)Gather and organize important financial paperwork like tax returns, bank statements, investment records, insurance policies, and receipts. A simple filing system—physical, digital, or both—ensures easy access when you need to reference what your renter’s insurance covers or when a promotional 0% interest rate ends. Digitizing your documents also frees up space and reduces stress. Think of it as a financial and physical decluttering session all in one.
-
Optimize Subscriptions and Monthly Memberships Mid-year is a great time to do a subscription audit. What are you paying for monthly that no longer adds value? Maybe that streaming music service or meal kit delivery isn’t as essential as it once was. On the flip side, your gym membership or meditation app might be worth every penny. It all depends on your current priorities. Cancel subscriptions you don’t use, negotiate better rates, or switch to more affordable alternatives to save money without sacrificing quality of life.
-
Consolidate and Simplify Financial AccountsToo many accounts can create unnecessary stress. If you have multiple checking or savings accounts at different institutions, consider consolidating to simplify money management, reduce maintenance fees, and better track your financial goals. Similarly, combining credit card balances onto one lower-interest card can streamline payments and potentially lower your overall interest charges. The simpler your financial setup, the easier it is to monitor your progress.
-
Automate Your Bill Payments to Avoid Late FeesIf managing bills gives you anxiety, you’re not alone. Forgetting a due date can lead to late fees or even credit score damagecredit score damage. The solution? Set up automatic bill payments for recurring expenses like rent, utilities, loans, and credit cards. Automation not only protects your budget and your credit—it also frees up mental energy for more important financial planning.
-
Review and Update Insurance Policies to Maximize Coverage and SavingsInsurance isn’t something you want to “set and forget.” Take time to review your home, auto, health, renters, or life insurance policies. Are you still getting the best rates? Could you bundle and save? Are you paying for coverage you no longer need? Compare quotes, adjust deductibles, and confirm your coverage aligns with your current lifestyle and assets. Small updates can mean big savings—and better peace of mind.
-
Review and Rebalance Investments for Long-Term SuccessIf you have a 401(k), IRA, or other investments, now’s the time to review their performance and make sure they’re aligned with your risk tolerance and long-term goals. Consider rebalancing your portfolio to maintain diversification and optimize returns. If you’re unsure how to assess your portfolio’s health or rebalance wisely, a certified financial advisor can walk you through it. Regular check-ins are key to growing wealth over time.
-
Set Mid-Year Financial Goals to Finish Strong The middle of the year is a natural time to reflect and reset. What do you want to accomplish financially in the next six months? Whether it’s saving for a vacation, paying off credit card debt, or starting a retirement contribution, define your priorities and break them down into small, achievable steps. Big goals are reached through consistent effort, and even small wins move you forward.
You Might Also Be Interested In…* Webinar: Your Financial Wellness Check-Up: Review, Adjust, SucceedYour Financial Wellness Check-Up: Review, Adjust, Succeed GreenPath Financial Service
GreenPath, A Financial ResourceIf 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 ResourcesFree Resources
Key TakeawaysFinancial independence means having the freedom to make life decisions without being controlled by financial stress.
Free tools like budgeting, financial counseling, and online education can help you build a stronger financial future.
Everyone’s financial story is different—but taking that first step is what moves you forward.
What is Financial Independence?Financial independence means having the ability to make life choices without being overly stressed about money. For some, it’s about paying off debt.paying off debt. For others, it’s building savings, buying a homebuying a home, or feeling confident they can weather a financial emergencyfinancial emergency.
Whatever season of life you’re in—student, parent, worker, retiree, or somewhere in between—feeling financially secure changes everything.
If you’re worried about rising prices, high interest credit card debt, or just feeling stuck in your money habits, this might be the perfect time to reclaim your financial independence. Unsure where to begint? We have a few suggestions.
Start With Free Financial CounselingBefore you dive into budgets and goals, consider talking to someone who truly understands the financial challenges you’re facing. GreenPath offers free, confidential financial counseling from NFCC- and HUD-certified experts who listen without judgment and provide personalized guidance based on your unique situation.
Whether you’re overwhelmed with credit card debt, struggling to make ends meet, or just need help creating a workable budget, our caring counselors are here to help you:
- Understand your full financial picture
- Explore debt repayment and credit options
- Create a personalized plan to move forward
There’s no pressure—just real help from real people who care about your financial wellness.
What are your financial goals?Talk to a financial expertTalk to a financial expert
Build a Budget That Works for YouWe say it often because it’s true: a budget is the foundation of financial freedom. It’s not about restricting yourself—it’s about telling your money where to go instead of wondering where it went.
Try starting with the 50/30/20 rule:
- 50% of your income for needs (housing, food, bills)
- 30% for wants (dining out, hobbies)
- 20% for savings and debt payoff
Set aside time to review your monthly income, expenses, and debt. Track your spending habits, identify areas to cut back, and look for ways to redirect money toward what matters most—whether that’s saving, paying off credit cards, or reducing stress.
Try it nowInteractive Budgeting WorksheetInteractive Budgeting Worksheet
Protect Your Progress with an Emergency Fund An emergency fund is one of the best ways to protect your financial independence. Life happens—unexpected car repairs, medical bills, or temporary job loss can derail even the best budget. Start small: set aside whatever you can, even if it’s just $10 a week.
Automating deposits into a separate savings account makes it easier to stay consistent. Over time, your safety net grows—and so does your confidence.
Set a reminder to transfer a small amount of your earnings to savings after each paycheck. Review your savings amount every few months to see if there’s room for incremental increases.
Invest in Your Financial Education Let’s face it: many of us never got a real-world education on money. If you didn’t learn how to budget, manage credit, or open a savings account in school, you’re not alone.
The good news? Today’s digital tools make learning about personal finance easier and more accessible than ever. Whether you’re buying your first car, managing debt, or planning for a big purchase, free resources can guide you every step of the way.
Start learningExplore LearningLabExplore LearningLab
Get Inspired by Real Financial JourneysBehind every financial struggle is a real person doing their best—and often, a powerful story of perseverance. From overwhelming student loan debt to unexpected medical bills, these stories are reminders that you’re not alone in your challenges.
Sometimes, the best motivation is knowing others have been there—and found their way through.
Listen and learnReal $toriesReal $tories
Start Where You AreBehind every financial struggle is a real person doing their best—and often, a powerful story of perseverance. From overwhelming student loan debt to unexpected medical bills, these stories are reminders that you’re not alone in your challenges.
You Might Also Be Interested In…* Webinar: Emotionally Healthy SpendingEmotionally Healthy Spending
What You Will Learn
- Strategies to reduce financial stress
- Tips for navigating difficult conversations around money
- Ways to improve your relationship with money GreenPath Financial Service
GreenPath, A Financial ResourceIf 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 ResourcesFree Resources
Key TakeawaysA single missed car payment can impact your credit score and even lead to repossession—know your options before it gets to that point.
If you’re juggling debt and falling behind, don’t wait. Communicating with your lender early can keep your car and credit intact.
GreenPath offers free financial counselingfree financial counseling to help you prioritize car payments and create a personalized plan to regain control.
What to Do If You’re Struggling with Car PaymentsLife happens—and when money gets tight, skipping a car payment can feel like a quick fix. But the short-term relief can come with long-term consequences, from credit score drops to losing your car altogether.
At GreenPath, our financial counselors talk to people every day who are navigating these challenges. We’re here to help you stay in the driver’s seat when it comes to your finances—and your vehicle.
If you’re falling behind on your car loancar loan, here’s how you can get back on track.
Why Staying Current on Car Payments MattersA car isn’t just a convenience—it’s a lifeline. It gets you to work, helps you care for loved ones, and connects you to essential needs. When car payments fall behind, the consequences go far beyond missed bills. Staying current helps protect your financial health and your daily stability.
- Your credit score takes a hit when payments are more than 30 days late.
Payment history is the biggest factor in your credit score. A late car payment can stay on your credit report for up to seven years, potentially impacting your ability to qualify for loans, rent housing, or even get certain jobs. - Late fees add up fast, costing you more in the long run.
Even one missed payment can trigger penalties, interest charges, or higher insurance rates. If the problem continues, it may take months—or more—to dig out from the added debt. - Repossession is a real risk—and once it happens, it’s expensive and hard to reverse.
Most lenders can begin the repossession process after just one or two missed payments, depending on your contract. Losing your vehicle can affect your ability to earn income or care for others. Repossession also damages your credit and may leave you on the hook for the remaining loan balance.
Smart Steps to Avoid Missing Car Payments Know When the Payment Is Considered “Late”Car loan due dates don’t always come with flexibility. That’s why it’s important to check with your lender and confirm the exact terms. Many lenders offer a small grace period—say, 5 to 15 days—but that doesn’t stop them from charging late fees or reporting your payment if it goes 30 days past due.
Mark your calendar, set a reminder, or enroll in autopay if possible. Understanding your payment timeline helps you avoid unnecessary penalties and stress.
Understand the Late Payment Fees Late fees can add up fast. As soon as a payment is missed—even by a day or two—your lender may charge a fee, often between $25 and $50. Over time, repeated fees make it harder to catch up and may snowball into a larger debt problem.
Review your loan agreement or contact your lender directly to understand the fee structure. Knowing what to expect can help you build a budget that accounts for the full cost of the loan.
Track Your Credit Activity If you’re worried about falling behind, keep an eye on your credit. Payments reported as 30+ days late can significantly lower your credit score, affecting your ability to qualify for future loans or refinance your current one.
Visit AnnualCreditReport.com to access your free credit reports from all three bureaus. Look for any late payment notations and verify that your report is accurate. If you spot errors, take steps to dispute them promptly.
Talk to Your LenderThis step is one of the most important. Many people wait too long to reach out—but lenders often have options available if you contact them before the situation gets worse.
Call your lender as soon as you anticipate a problem. Ask if they offer hardship programs, payment deferments, or modified plans. If you’ve maintained a good payment history, they may be willing to work with you to avoid delinquency or repossession.
Understand Repossession Policies Repossession is every borrower’s nightmare—but the rules around it vary. Some lenders begin the repossession process after just one missed payment, while others may wait longer.
To avoid surprises, read your loan documents or ask your lender directly: How many missed payments trigger repossession? What’s their timeline? Knowing the answer can help you act quickly and stay ahead of any potential action.
Return to Budgeting Basics When payments become unmanageable, it’s time to rework the numbers. Start by looking at your monthly income versus essential expenses. Has your income gone down? Have certain bills increased?
Use a budgeting worksheetbudgeting worksheet or digital tool to get a clear view of your finances. Consider what non-essential costs can be cut temporarily—streaming services, dining out, subscriptions—and redirect that money toward your car payment. Getting intentional with your budget can make a big difference.
Talk to a GreenPath Financial Counselor You don’t have to figure this out on your own. GreenPath’s NFCC-certified financial counselors offer free support to help you take control of your situation. We’ll look at your full financial picture—credit cards, car loans, living expenses—and help you prioritize your payments.
If needed, we can also explore a Debt Management Program,Debt Management Program, which may help lower interest rates and simplify monthly payments so you can stay on top of all your obligations—including your car.
You Might Also Be Interested In…* The Car Buying Process in 7 StepsThe Car Buying Process in 7 Steps GreenPath Financial Service
Debt Management ProgramGreenPath 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 MoreLearn 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 Moments2:27 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 ProgramGreenPath 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 MoreLearn More
Pride is important year-round. Let's support LGBTQ+ communities and raising awareness. Read this article to learn how.
Here are 10 tips for summer spending that will help you enjoy the season. Trimming down on expenses doesn’t have to mean trimming down on good times.
The pressures of everyday life can take a toll on our stability, making it essential to prioritize self-care.
CM faces debt, fraud, and big dreams—rebuilding her finances with grit, support, and newfound intention.
Regina and Renita return with inspiring updates on debt freedom, growth, and new financial goals.
You have filed your taxes and are counting the days until you receive your return. The tax code can be complicated, so here are some tax errors to avoid.
There is no minimum age requirement for opening a children’s savings account, learn how to start one with these tips.
Are you looking to purchase or lease a new or used car? Here are 7 steps you can take when buying a car to stay within budget & get the best deal possible!
Maria’s journey of resilience—from overcoming college barriers to homeownership and entrepreneurship—inspires many.
Which bills should you pay first? Food, medicine, childcare, mortgage/home expenses, auto, child support, income taxes and then unsecured debts.
These five steps can help you stay as financially healthy as possible if you are facing an income loss.
Kelly faces financial pressures, overcomes debt, and shares insights on mindset shifts and money management.
From dreams to dollars: Dr. Darla Bishop’s journey of resilience, financial literacy, and empowering money insights.
It has been a game-changing year, and while we can’t opine much on your New Year’s resolutions, what we can do is offer up some financial planning tips.
Tyjai shares how he tackled debt, rebuilt his budget, and inspires others to take control in Real $tories Episode 58.
Learn budget-friendly strategies for charitable giving this holiday season and make a meaningful impact without breaking the bank.
Financial strategist Crystal L. Gunn shares insights on transforming money mindsets and healing financial traumas.
In Episode 56, Juan shares his journey from aspiring actor to financial coach, offering valuable money tips and insights.
A 529 plan offers tax-free growth for education savings, covering K-12, college, and more, with flexible contribution options.
Ben's journey from debt to financial stability: a story of struggle, lessons, and hope in Episode 55 of Real $tories.
Meet Ben, a man faced with many crossroads on his financial journey. Reflecting on his early work experience, 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 Moments1:25 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.
ABOUT THE HOSTChris DlugozimaChris is a Learning Experience Designer at GreenPath Financial Wellness, where he’s been since the beginning of the millennium. Using creativity and a sense of humor, he provides people with the tools and knowledge to navigate their lives when it comes to their money.
Subscribe to NewsletterStream Anywhere Apple Podcasts * Android * Google Podcasts * Stitcher * TuneIn * Spotify * RSS * Real$tories: for more episodes! * LearningLab: Free Financial Courses * Share your story with us! Are/Were you a GreenPath client? We’d love to hear your journey to be debt free. * Take this quick survey and let us know your thoughts. * Visit Real Stories podcast for more * Take this quick survey and let us know your thoughts. Music by Hir-O*
Never Miss an Episode. Join Our Newsletter.CloseSubscribe NowX
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 $tories guests: GreenPath clients and their own journeys of improving their mental and financial health.
- Jasmine PaulJasmine Paul: her award-winning children’s book, financial education instruction, and talks focus on making wealth fun.
- LeAnnLeAnn: when her financial stress impacted her mental and physical health, she connected with a therapist and eventually found a solution that put her finances back on track.
- KittyKitty: her story is one of shame transformed to pride. She wants to change the conversation around money and empower others to pursue their own path towards self-forgiveness. Key Moments2:56 Cohosts Chris and Shamica share their own mental health struggles around navigating a divorce and student loans, respectively.
6:50 Was there an experience with money growing up that shaped your psyche around money?
14:14 How did you notice your mental health being affected when you were struggling with your debt?
17:26 How did you get to a place where you were ready to ask for support for your money concerns?
24:05 Have you had an anxious client who left your coaching session more at ease? How do you help foster that transformation?
28:26 What is your recollection of your first counseling experience?
34:57 What is your favorite free self-care activity?
ABOUT THE HOSTChris DlugozimaChris is a Learning Experience Designer at GreenPath Financial Wellness, where he’s been since the beginning of the millennium. Using creativity and a sense of humor, he provides people with the tools and knowledge to navigate their lives when it comes to their money.
Subscribe to NewsletterStream Anywhere Apple Podcasts * Android * Google Podcasts * Stitcher * TuneIn * Spotify * RSS * Real$tories: for more episodes! * LearningLab: Free Financial Courses * Share your story with us! Are/Were you a GreenPath client? We’d love to hear your journey to be debt free. * Take this quick survey and let us know your thoughts. * Visit Real Stories podcast for more * Take this quick survey and let us know your thoughts. Music by Hir-O*
Never Miss an Episode. Join Our Newsletter.CloseSubscribe NowX
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 Moments2:38 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.
ABOUT THE HOSTChris DlugozimaChris is a Learning Experience Designer at GreenPath Financial Wellness, where he’s been since the beginning of the millennium. Using creativity and a sense of humor, he provides people with the tools and knowledge to navigate their lives when it comes to their money.
Subscribe to NewsletterStream Anywhere Apple Podcasts * Android * Google Podcasts * Stitcher * TuneIn * Spotify * RSS * Real$tories: for more episodes! * LearningLab: Free Financial Courses * Share your story with us! Are/Were you a GreenPath client? We’d love to hear your journey to be debt free. * Take this quick survey and let us know your thoughts. * Visit Real Stories podcast for more * Take this quick survey and let us know your thoughts. Music by Hir-O*
Never Miss an Episode. Join Our Newsletter.CloseSubscribe NowX
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 Moments2:46 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.
ABOUT THE HOSTChris DlugozimaChris is a Learning Experience Designer at GreenPath Financial Wellness, where he’s been since the beginning of the millennium. Using creativity and a sense of humor, he provides people with the tools and knowledge to navigate their lives when it comes to their money.
Subscribe to NewsletterStream Anywhere Apple Podcasts * Android * Google Podcasts * Stitcher * TuneIn * Spotify * RSS * Real$tories: for more episodes! * LearningLab: Free Financial Courses * Share your story with us! Are/Were you a GreenPath client? We’d love to hear your journey to be debt free. * Take this quick survey and let us know your thoughts. * Visit Real Stories podcast for more * Take this quick survey and let us know your thoughts. Music by Hir-O*
Never Miss an Episode. Join Our Newsletter.CloseSubscribe NowX
Meet Racheal. She is a true role model when it comes to financial resiliency. Her reality was many people’s worst nightmare: $124,000 of credit card debt following her divorce. Racheal worked with GreenPath to pay off what she owed, enduring Hurrican Ida and a pandemic along the way.
As she made progress toward being debt-free, she set aside funds to buy a home for her and her son. Today, she is putting her son through college and has created a structure to pay off her mortgage in seven years! In her professional life, she works for one of GreenPath’s credit union partners, empowering members to tackle their financial challenges even when the odds feel insurmountable.
Key Moments3:00 Racheal reflects on her lack of experience with money growing up.
5:20 She details how her house remodel and eventual divorce led to accumulating credit card debt.
7:54 Contemplating how to handle her debt, she decides to contact GreenPath.
10:43 Racheal recounts the relief she felt when the Debt Management Program brought much-needed financial structure.
13:59 She shares the experience of working three jobs to stay on track.
15:43 Racheal celebrates a major milestone: paying off her debt ahead of schedule.
17:02 She continues to work her extra jobs to aggressively pay off her mortgage.
25:06 By sharing her personal experiences, she inspires a colleague to improve their financial situation.
30:06 She discusses purchasing a car and home early in her debt repayment journey.
36:33 Racheal gets out of her comfort zone by sharing her story.
42:47: Our co-hosts reflect on Racheal’s story and offer related financial tips.
ABOUT THE HOSTChris DlugozimaChris is a Learning Experience Designer at GreenPath Financial Wellness, where he’s been since the beginning of the millennium. Using creativity and a sense of humor, he provides people with the tools and knowledge to navigate their lives when it comes to their money.
Subscribe to NewsletterStream Anywhere Apple Podcasts * Android * Google Podcasts * Stitcher * TuneIn * Spotify * RSS * Real$tories: for more episodes! * LearningLab: Free Financial Courses * Share your story with us! Are/Were you a GreenPath client? We’d love to hear your journey to be debt free. * Take this quick survey and let us know your thoughts. * Visit Real Stories podcast for more * Take this quick survey and let us know your thoughts. Music by Hir-O*
Never Miss an Episode. Join Our Newsletter.CloseSubscribe NowX
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 Moments2:18 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.
ABOUT THE HOSTChris DlugozimaChris is a Learning Experience Designer at GreenPath Financial Wellness, where he’s been since the beginning of the millennium. Using creativity and a sense of humor, he provides people with the tools and knowledge to navigate their lives when it comes to their money.
Subscribe to NewsletterStream Anywhere Apple Podcasts * Android * Google Podcasts * Stitcher * TuneIn * Spotify * RSS * Real$tories: for more episodes! * LearningLab: Free Financial Courses * Share your story with us! Are/Were you a GreenPath client? We’d love to hear your journey to be debt free. * Take this quick survey and let us know your thoughts. * Visit Real Stories podcast for more * Take this quick survey and let us know your thoughts. Music by Hir-O*
Never Miss an Episode. Join Our Newsletter.CloseSubscribe NowX
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 Moments3:25 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.
ABOUT THE HOSTChris DlugozimaChris is a Learning Experience Designer at GreenPath Financial Wellness, where he’s been since the beginning of the millennium. Using creativity and a sense of humor, he provides people with the tools and knowledge to navigate their lives when it comes to their money.
Subscribe to NewsletterStream Anywhere Apple Podcasts * Android * Google Podcasts * Stitcher * TuneIn * Spotify * RSS * Real$tories: for more episodes! * LearningLab: Free Financial Courses * Share your story with us! Are/Were you a GreenPath client? We’d love to hear your journey to be debt free. * Take this quick survey and let us know your thoughts. * Visit Real Stories podcast for more * Take this quick survey and let us know your thoughts. Music by Hir-O*
Never Miss an Episode. Join Our Newsletter.CloseSubscribe NowX
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 Moments4:07 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.
ABOUT THE HOSTChris DlugozimaChris is a Learning Experience Designer at GreenPath Financial Wellness, where he’s been since the beginning of the millennium. Using creativity and a sense of humor, he provides people with the tools and knowledge to navigate their lives when it comes to their money.
Subscribe to NewsletterStream Anywhere Apple Podcasts * Android * Google Podcasts * Stitcher * TuneIn * Spotify * RSS * Real$tories: for more episodes! * LearningLab: Free Financial Courses * Share your story with us! Are/Were you a GreenPath client? We’d love to hear your journey to be debt free. * Take this quick survey and let us know your thoughts. * Visit Real Stories podcast for more * Take this quick survey and let us know your thoughts. Music by Hir-O*
Never Miss an Episode. Join Our Newsletter.CloseSubscribe NowX
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 Moments2:04 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.
ABOUT THE HOSTChris DlugozimaChris is a Learning Experience Designer at GreenPath Financial Wellness, where he’s been since the beginning of the millennium. Using creativity and a sense of humor, he provides people with the tools and knowledge to navigate their lives when it comes to their money.
Subscribe to NewsletterStream Anywhere Apple Podcasts * Android * Google Podcasts * Stitcher * TuneIn * Spotify * RSS * Real$tories: for more episodes! * LearningLab: Free Financial Courses * Share your story with us! Are/Were you a GreenPath client? We’d love to hear your journey to be debt free. * Take this quick survey and let us know your thoughts. * Visit Real Stories podcast for more * Take this quick survey and let us know your thoughts. Music by Hir-O*
Never Miss an Episode. Join Our Newsletter.CloseSubscribe NowX
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 Moments2:28 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.
ABOUT THE HOSTChris DlugozimaChris is a Learning Experience Designer at GreenPath Financial Wellness, where he’s been since the beginning of the millennium. Using creativity and a sense of humor, he provides people with the tools and knowledge to navigate their lives when it comes to their money.
Subscribe to NewsletterStream Anywhere Apple Podcasts * Android * Google Podcasts * Stitcher * TuneIn * Spotify * RSS * Real$tories: for more episodes! * LearningLab: Free Financial Courses * Share your story with us! Are/Were you a GreenPath client? We’d love to hear your journey to be debt free. * Take this quick survey and let us know your thoughts. * Visit Real Stories podcast for more * Take this quick survey and let us know your thoughts. Music by Hir-O*
Never Miss an Episode. Join Our Newsletter.CloseSubscribe NowX
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 Moments2:28 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.
ABOUT THE HOSTChris DlugozimaChris is a Learning Experience Designer at GreenPath Financial Wellness, where he’s been since the beginning of the millennium. Using creativity and a sense of humor, he provides people with the tools and knowledge to navigate their lives when it comes to their money.
Subscribe to NewsletterStream Anywhere Apple Podcasts * Android * Google Podcasts * Stitcher * TuneIn * Spotify * RSS * Real$tories: for more episodes! * LearningLab: Free Financial Courses * Share your story with us! Are/Were you a GreenPath client? We’d love to hear your journey to be debt free. * Take this quick survey and let us know your thoughts. * Visit Real Stories podcast for more * Take this quick survey and let us know your thoughts. Music by Hir-O*
Never Miss an Episode. Join Our Newsletter.CloseSubscribe NowX
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 Moments2:08 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.
ABOUT THE HOSTChris DlugozimaChris is a Learning Experience Designer at GreenPath Financial Wellness, where he’s been since the beginning of the millennium. Using creativity and a sense of humor, he provides people with the tools and knowledge to navigate their lives when it comes to their money.
Subscribe to NewsletterStream Anywhere Apple Podcasts * Android * Google Podcasts * Stitcher * TuneIn * Spotify * RSS * Real$tories: for more episodes! * LearningLab: Free Financial Courses * Share your story with us! Are/Were you a GreenPath client? We’d love to hear your journey to be debt free. * Take this quick survey and let us know your thoughts. * Visit Real Stories podcast for more * Take this quick survey and let us know your thoughts. Music by Hir-O*
Never Miss an Episode. Join Our Newsletter.CloseSubscribe NowX
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 Moments2:27 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.
ABOUT THE HOSTChris DlugozimaChris is a Learning Experience Designer at GreenPath Financial Wellness, where he’s been since the beginning of the millennium. Using creativity and a sense of humor, he provides people with the tools and knowledge to navigate their lives when it comes to their money.
Subscribe to NewsletterStream Anywhere Apple Podcasts * Android * Google Podcasts * Stitcher * TuneIn * Spotify * RSS * Real$tories: for more episodes! * LearningLab: Free Financial Courses * Share your story with us! Are/Were you a GreenPath client? We’d love to hear your journey to be debt free. * Take this quick survey and let us know your thoughts. * Visit Real Stories podcast for more * Take this quick survey and let us know your thoughts. Music by Hir-O*
Never Miss an Episode. Join Our Newsletter.CloseSubscribe NowX
Ericka Young, a financial wellness expert and best-selling author of "Naked and Unashamed: 10 Money Conversations Every Couple Must Have", talks about her journey to paying of $90,000 in debt.
Real $tories episode 41 features Lavell and Nina, two former guests, whose resilience brought them financial wellness.
In today’s episode, we’ll be catching up with two of our former guests, Michele and Natasha, about their path to wellness.
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 Moments2:58 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.
Subscribe to NewsletterStream Anywhere Apple Podcasts * Android * Google Podcasts * Stitcher * TuneIn * Spotify * RSS * Real$tories: for more episodes! * LearningLab: Free Financial Courses * Share your story with us! Are/Were you a GreenPath client? We’d love to hear your journey to be debt free. * Take this quick survey and let us know your thoughts. * Visit Real Stories podcast for more * Take this quick survey and let us know your thoughts. Music by Hir-O*
Never Miss an Episode. Join Our Newsletter.CloseSubscribe NowX
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 MomentsKey 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.
Subscribe to NewsletterStream Anywhere Apple Podcasts * Android * Google Podcasts * Stitcher * TuneIn * Spotify * RSS * Real$tories: for more episodes! * LearningLab: Free Financial Courses * Share your story with us! Are/Were you a GreenPath client? We’d love to hear your journey to be debt free. * Take this quick survey and let us know your thoughts. * Visit Real Stories podcast for more * Take this quick survey and let us know your thoughts. Music by Hir-O*
Never Miss an Episode. Join Our Newsletter.CloseSubscribe NowX
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 $200,000 in student loan debt.
Listen to his personal money journey and how it influenced his career at GreenPath.
Key Moments2:23 David talks about how his upbringing shaped his mindset when it came to his education.
8:59 He decides to move across the country to attend college.
15:23 After taking out student loans, he considers how to manage them when he graduates.
17:49 He spontaneously moves back to Michigan without a job.
20:34 He starts working at GreenPath and begins establishing financial stability.
23:40 David decides to attend law school, but quickly faces a difficult decision.
29:30 David and his family struggle to cover the cost of paying for a house in Michigan while he attends law school in New York. He chooses to take on more student loans to cover his living expenses.
31:42 After graduating law school, he figures out how to handle more than 200,000 dollars in student loan debt with a growing family.
34:40 He decides to stay at GreenPath for the long term to pursue the Public Service Loan Forgiveness program.
41:55 He credits GreenPath’s loan counseling program as the basis for his knowledge of the complex forgiveness process.
46:55 David explains why his daughter shared his excitement when his loan was forgiven.
Subscribe to NewsletterStream Anywhere Apple Podcasts * Android * Google Podcasts * Stitcher * TuneIn * Spotify * RSS * Real$tories: for more episodes! * LearningLab: Free Financial Courses * Share your story with us! Are/Were you a GreenPath client? We’d love to hear your journey to be debt free. * Take this quick survey and let us know your thoughts. * Visit Real Stories podcast for more * Take this quick survey and let us know your thoughts. Music by Hir-O*
Never Miss an Episode. Join Our Newsletter.CloseSubscribe Now
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 Moments3:41 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.
Read More22:02 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.
Subscribe to NewsletterStream Anywhere Apple Podcasts * Android * Google Podcasts * Stitcher * TuneIn * Spotify * RSS * Real$tories: for more episodes! * LearningLab: Free Financial Courses * Share your story with us! Are/Were you a GreenPath client? We’d love to hear your journey to be debt free. * Take this quick survey and let us know your thoughts. * Visit Real Stories podcast for more * Take this quick survey and let us know your thoughts. Music by Hir-O*
Never Miss an Episode. Join Our Newsletter.CloseSubscribe Now
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 Moments2:48 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.
Read More26:44 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 $18!
38:01 She advises others to seek out help without fear.
40:42 Our cohosts reflect on Stephanie’s story. Topics include trust, accountability, growth mindset and quality of life.
What’s Your Feedback?
Your reactions and feedback about the podcast are welcome. Please take this quick survey and let us know your thoughts.
Subscribe to NewsletterStream Anywhere Apple Podcasts * Android * Google Podcasts * Stitcher * TuneIn * Spotify * RSS * Real$tories: for more episodes! * LearningLab: Free Financial Courses * Share your story with us! Are/Were you a GreenPath client? We’d love to hear your journey to be debt free. * Take this quick survey and let us know your thoughts. * Visit Real Stories podcast for more * Take this quick survey and let us know your thoughts. Music by Hir-O*
Never Miss an Episode. Join Our Newsletter.CloseSubscribe Now
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 KofkeDanny 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 McLayShannon 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 ClaymanAmanda 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 Moments1:14 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.
Read More8:14 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.
What’s Your Feedback?
Your reactions and feedback about the podcast are welcome. Please take this quick survey and let us know.
Subscribe to NewsletterLatest EpisodesReal Stories Ep 33: Derek – Inspiring Change in His Community (Pt. 2)Real Stories Ep 32: Derek – Redirecting His Energy to A Better LifeReal Stories Ep 31: Kristin – Financial Stress Comes in All Shapes and SizesReal Stories Ep 34: Practical Tips from Three Personal Finance ExpertsReal Stories Ep 33: Derek – Inspiring Change in His Community (Pt. 2)Real Stories Ep 32: Derek – Redirecting His Energy to A Better LifeFinancial TipsWhat Is Your Money Personality? – Recorded Webinar5 Steps to Survive Inflation – Recorded WebinarStudent Loan Forgiveness: What you Need to Know (and Do) – Recorded WebinarReal Stories Ep 34: Practical Tips from Three Personal Finance ExpertsFeeling that Holiday Pressure to Spend, Spend, Spend? Here’s How to Stay on TrackIdentity Theft: What It Is and How to Protect Yourself – Recorded WebinarStream Anywhere Apple Podcasts * Android * Google Podcasts * Stitcher * TuneIn * Spotify * RSS * Real$tories: for more episodes! * LearningLab: Free Financial Courses * Share your story with us! Are/Were you a GreenPath client? We’d love to hear your journey to be debt free. * Take this quick survey and let us know your thoughts. * Visit Real Stories podcast for more * Take this quick survey and let us know your thoughts. Music by Hir-O*
Never Miss an Episode. Join Our Newsletter.CloseSubscribe Now
In part 2 of Derek's story, he talks about his inspiration to start a financial education program for his fellow inmates which he enhanced with materials from GreenPath.
Derek’s money story is as real as it gets. He has taken the lessons from his past life to fuel his personal growth. Listen to his journey.
Kristin, a loyal listener of our podcast, reflects on her experience with GreenPath and her journey to reach financial wellness.
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.
Despite having a mortgage payment that doubled and tens of thousands of dollars of credit card debt, she found a way to persevere.
The impact of delayed gratification and the value of not comparing your lifestyle to others. Listen to Danny's story.
Regina has been at a crossroads with her finances. Each time, GreenPath has provided different kinds of support. Listen to her story.
Financial Literacy Month, which is designated by Congress to raise awareness about the importance of financial literacy education.
In this 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 interview. (Check out the full original episode here.) 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.
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.
Amanda Clayman is a financial therapist – in other words, a clinician specializing in money issues. She believes money can be a tool for transformation.
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.
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.
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.
Today’s episode features a lively discussion about raising financially healthy kids. Learn how we might support the next generation.
Our podcast guest, Natasha, shares her experiences that inspire her to connect people to financial wellness. Listen now!
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.
She practices numerous healthy financial habits, like using an envelope system and savings buckets.
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.
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.
After getting into debt, Tanisha had feelings of shame and isolation. She found her way to GreenPath and discovered that she wasn’t alone.
Victoria was enjoying life in her early 20s. Jeff had a budding career in the restaurant industry. Then things got real very quickly.
Monte’s childhood had a profound impact on how he approaches money. While he regrets some of his decisions and habits around money, he also makes it a point to learn from his past.
She was referred to GreenPath by her mortgage lender and found another “family” who was willing to listen to her financial concerns.
Andre’s Story
Meet Andre. He has spent a decade bringing financial education into his community on Long Island, NY. Andre and his organization are longtime partners of GreenPath and we often work together to serve those who are pursuing their financial goals. Andre often infuses his personal stories when he teaches financial concepts, so we decided to learn more about the road he traveled (quite literally) that shaped him into the person he is. A Construction Foreman After making good money as a construction foreman, Andre made the leap to study abroad in an exclusive program that studies indigenous communities in Costa Rica and surrounding countries. Falling in love with his second home, he spent a number of years splitting time between the U.S. and Central America. His financial discipline was key to making his dream of spending half the year abroad a reality. After the birth of his son, Andre’s career goals evolved and he landed a job as a financial educator—with zero financial experience. He leverages his life and teaching experience to empower others. He also applies his money lessons to his own life. This has allowed him to adjust to an unexpected turn of events with his son’s schooling. While he has sights set on eventually starting an agro business, Andre has already invested a ton of time and energy into another project—he started a nonprofit with his mother that supports local communities in Ethiopia. Join us to learn about Andre’s unique financial and life journey and how he is paying it forward.
Subscribe to Newsletter
hbspt.forms.create({ portalId: "4952702", formId: "eb155380-d814-4732-bc02-47baea924539" });
Inspired to Start Your Financial Journey?
Contact GreenPath, a trusted national nonprofit with more than 60 years’ experience empowering financial health.
Contact Us
Request A Call
Key Moments
2:25 Andre talks about his relationship with money as a teenager. 3:55 He discusses his motivation for pursuing a global education and how this affected his relationship with money. 8:35 Andre talks about how he juggled life and work abroad and in the U.S. 10:50 Andre shares his experiences living among indigenous communities.
Read More
13:10 Andre shares his new perspectives of home after his travels and how the birth of his son motivated him to change his career goals. 17:50 He talks about his favorite parts of providing financial education in his community. 19:30 Andre helped a family purchase their first home and eventually connected him with GreenPath to tackle a debt problem. 23:10 Andre describes how his clients significantly reduced his credit card payments after enrolling on a Debt Management Plan with GreenPath and how this ultimately helped them save their home. 25:53 Andre talks about his success tracking his expenses. 27:55 He discusses his simple approach to avoiding financial emergencies. 28:47 Andre shares his favorite cost-cutting tip. 29:53 He discusses a significant challenge his family recently faced. 33:20 Andre discusses his long term goal of becoming an entrepreneur. 34:44 He talks about how starting a nonprofit with his mother to support communities in Ethiopia and Burundi. 40:39 Andre discusses how his son provided helpful advice when he was faced with a financial decision. 43:50 He shares how he turned his car purchase into an opportunity for a money lesson for his son. 46:44 Our co-hosts share lessons learned and possible action steps for our listeners.
Subscribe to Newsletter
hbspt.forms.create({ portalId: "4952702", formId: "eb155380-d814-4732-bc02-47baea924539" });
Stream Anywhere
Apple Podcasts Android Google Podcasts Stitcher TuneIn Spotify RSS
Visit Real Stories Podcast page for more stories Check out GreenPath’s new Learning Lab, featuring online courses and tools. It’s free and easy to use.
Angela's Journey Through Homeownership
In this episode, our guest Angela discusses her journey through homeownership and the financial decisions she and her husband had to make along the way. Angela spent a number of years at GreenPath in several roles. Her first role was as one of our Advocates— helping people who call GreenPath for the first time. Angela empowered people to take steps to improve their financial health. She eventually took on a role bringing innovation to the technology that supports the services we offer. Angela not only grew professionally during her time at GreenPath—but as you’ll hear, she was able to apply the financial expertise she learned to her personal life. She entered her GreenPath career saddled with credit card debt. It’s interesting to hear how her credit card debt slowly snowballed over time. Several years later, she and her husband were able to purchase their dream home… but there were lots of twists and turns along the way. As you listen, consider what parts of her story you might connect with. What might you do differently? What might you draw inspiration from?
Subscribe to Newsletter
hbspt.forms.create({ portalId: "4952702", formId: "eb155380-d814-4732-bc02-47baea924539" });
Inspired to Start Your Financial Journey?
Contact GreenPath, a trusted national nonprofit with more than 60 years’ experience empowering financial health.
Contact Us
Request A Call
Key Moments
2:09 Angela discovers the world of credit at the age of 18. 3:50 Her credit card debt starts to get unmanageable. 6:45 Angela applies what she learns to help GreenPath clients to help herself budget and get out of debt. 9:27 She aggressively pays off debt and saves up for a down payment for a condo.
Read More
14:17 As a new homeowner, her credit card debt creeps back up by spending on furniture and home improvement. 16:25 Angela describes the mindset that led to impulsive homeowner spending. 18:02 She discusses the pros and cons of being a landlord. 20:03 Angela offers homeowner advice to her past self. 29:47 Angela and her husband discover their dream home—but will it be a dream or a nightmare? 35:27 She describes what was keeping her up at night financially. 39:04 After getting denied for a refinance, her credit union works with her to find a new option to get her debt under control. 43:19 Our hosts share lessons learned from Angela’s story and home buying in general.
Subscribe to Newsletter
hbspt.forms.create({ portalId: "4952702", formId: "eb155380-d814-4732-bc02-47baea924539" });
Stream Anywhere
Apple Podcasts Android Google Podcasts Stitcher TuneIn Spotify RSS
Visit Real Stories Podcast page for more stories Check out GreenPath’s new Learning Lab, featuring online courses and tools. It’s free and easy to use. We would like to hear what our listeners think about the podcast. Take this quick survey and let us know.
Visit Real Stories podcast for more Take this quick survey and let us know your thoughts.
Music by Hiro-O
A Chance to Reflect
GreenPath recently hosted a live virtual event where we were joined by guests who have been featured on GreenPath’s Real Stories Podcast. Guests included Katie (episode 1), Tammy (episode 2) and Dawn (episode 6).
GreenPath recently hosted a live virtual event where we were joined by guests who have been featured on GreenPath’s Real Stories Podcast. Guests included Katie (episode 1), Tammy (episode 2) and Dawn (episode 6).
Recorded in May 2020, this conversation gave our guests a chance to reflect on some of the positive things happening during this difficult time and areas where they are having newfound anxiety. Throughout the conversation, listen for stories of how people have coped in the midst of challenge, along with practical tips for stretching your budget.
Subscribe to Newsletter
hbspt.forms.create({ portalId: "4952702", formId: "eb155380-d814-4732-bc02-47baea924539" });
Financial Resources
Real Stories Live is a great reminder that all of us are at different places in our financial wellness journey. We all make the best decisions we can with the information we have available to us. To get more information into your hands, click to learn more about two helpful resources.
A Guide for Navigating Uncertainty Aligning Priorities Workbook
Inspired to Start Your Financial Journey?
Contact GreenPath, a trusted national nonprofit with more than 60 years’ experience empowering financial health.
Contact Us
Request A Call
Key Moments
4:00 Katie shares how the pandemic has caused her to become more intentional with her spending on food. 8:55 Tammy shares how she has found a way to pick up more work more from home and enjoy more time with her family. 19:00 Katie talks about the stress related to the uncertainty at her husband’s job in the near future. 24:54 Tammy has anxiety over returning to a tight budget, but confidence that they can work through a new plan if needed.
Read More
33:58 Dawn discusses the realities of living in a smaller house during quarantine and her perspective of talking to others with financial concerns during the pandemic. 37:02 Jessie weighs whether to deplete savings or use credit while preserving savings. 43:19 Jessie shares her observation that a number of expenses have been drastically reduced during the pandemic.
Subscribe to Newsletter
hbspt.forms.create({ portalId: "4952702", formId: "eb155380-d814-4732-bc02-47baea924539" });
Stream Anywhere
Apple Podcasts Android Google Podcasts Stitcher TuneIn Spotify RSS
Visit Real Stories Podcast page for more stories Check out GreenPath’s new Learning Lab, featuring online courses and tools. It’s free and easy to use. We would like to hear what our listeners think about the podcast. Take this quick survey and let us know.
Visit Real Stories podcast for more Take this quick survey and let us know your thoughts.
Music by Hiro-O
As many of us face challenges from the financial fallout of the COVID-19 crisis, learn how one family made a difficult decision and how their lives changed.
Michele faced hardships from many different angles. Her mortgage payment became unaffordable after her initial payment skyrocketed.
GreenPath's Kristen Holt shares advice on how to navigate these times the financial impact of COVID-19.
Matt and Kendal each had a unique story that included financial hardships and bankruptcy. They met, fell in love and decided to “merge corporations.”
Meet Tammy. Tammy's husband is handling the family’s finances and becomes concerned that their debt is spiraling out of control. He approaches her with a plan to work with GreenPath Financial Wellness to become debt-free. What starts out as a challenge becomes a turning point in their marriage and growing family. Tammy finds out that one of her superpowers is managing their budget and together, they pay down their debt. In her own words, Tammy shares what it was like before, during and after their Debt Management Plan. Click Here to Visit the Podcast Homepage Music by Hir-o
Key Moments
1:40 What prompts Tammy and her husband to reach out for financial counseling? 3:40 How does addressing their financial concerns become a turning point in their marriage? 7:25 What is their experience like starting a Debt Management Plan? 10:35 What is it like to connect with other people going through a similar experience? 11:25 How is it possible to move across the country while continuing to pay down their debt? 13:11 Why is GreenPath happy to “cancel” their program? 16:23 How do they maintain their momentum after becoming debt-free? 17:18 Would they have done anything differently with their finances when they were younger? 18:18 What advice do they have for people in similar circumstances? 21:21 Our hosts reflect on the lessons learned from Tammy’s story.
Meet Katie. Retail credit cards became her best friend shortly after college. Home alone with her 4-month-old in a place where she didn’t know anyone, she turned to shoes and designer handbags. Being a military family resulted in multiple moves and income instability. Eventually, her grandma came to the rescue and helped get her debt under control. But that was only short-lived. She eventually found herself divorced with two small kids, without a job and in $26,000 of credit card debt.
Katie turned to a nonprofit credit counselor to get back on track. She had found someone who supported her and did not judge her—even when her payments became unaffordable. After many ups and downs, she eventually completed her debt plan five years later. And when she was looking for a job, she found an organization that helped others in the same way she had been helped. Now, she’s able to take her passion and skills to pay it forward.
Learn more at www.greenpath.com/realstories
Music by Hir-o
Key Moments:
1:40 Katie gets a new “best friend”… retail credit cards.
6:45 Katie discusses how loneliness and depression led to a shopping addiction.
9:00 How spreadsheets helped feed her shopping addiction
10:21 Why her joint debt with her then-husband ended up in her name
13:00 The Bank of Grandma comes to the rescue!
15:29 Katie buys a house… but is she ready to do so?
20:14 Katie is saddled with $26,000 in debt while jobless and divorced with two kids.
22:26 Katie can finally get a good night’s sleep after receiving a helping hand
26:00 Five years after enrolling in a Debt Management Plan, she makes her final payment!
27:40 Katie lands a job where she can help people who are in the same boat as she was.
29:40 Alex, Brad and Chris (our co-hosts) reflect on Katie’s story and how her emotions played into her money situation
We are excited to announce our first podcast, GreenPath Real $tories — Financial Wellness. The podcast shows that our financial lives are more than a number. Our guests will share their money journeys in their own words. Expect authenticity, vulnerability, and a little bit of inspiration.
In this special preview episode, you'll meet our first six guests. Katie, who faces a shopping addiction. Tammy, who finds success after she and her husband let go and decide to be their authentic selves. Matt and Kendall, who face the prospect of filing bankruptcy a second time. Angela, who finds a dream home that almost turns into a financial nightmare. Dawn, who openly talks about her own difficult financial decisions when she helps others. And Annie, who despite a difficult financial journey to returning to college, is enjoying the intention behind her progress.
Music by Hir-o