Show cover of GreenPath Real Stories

GreenPath Real Stories

Journeys of Financial Wellness

Tracks

Real Stories Ep 33: Derek – Inspiring Change in His Community (Pt. 2)
In last month’s episodelast month’s episode, we introduced you to Derek. Today, we continue our conversation with him. Derek runs several small businesses, something that seemed unlikely several years ago. Despite spending ten years in federal custody, he remained laser focused on learning as much as he could when it came to money. He even started a financial education program for his fellow inmates which he enhanced with materials from GreenPath. Upon his release, he faced an economy and world turned upside down by the pandemic. But his resilience shown through. This resilience has helped him as he works on his financial goals and tries to effect change in his community. To give to others is the ultimate service... In another letter from Derek, he talks about his goal and reasons behind his inspiration help other inmates achieve financial wellness. You can read Derek’s full letter here. Key Moments 2:48 Derek reflects on his experience receiving financial coaching from GreenPath as he worked on his financial goals. 6:46 He talks about how it’s not always easy to be your authentic self when you’re in a challenging environment. 10:06 After Derek lifts up a community need in Chicago, co-host Omari talks about how GreenPath is striving to build trust in Detroit. 12:33 Derek speaks about some of his financial goals, including expanding his businesses and investing in real estate. 15:40 He points out that possible regrets from his past ended up being learning opportunities. 18:29 Derek discusses change and growth and how his mindset has impacted his life. He reminds us that “nothing grows without changes”as he reflects on family members who are challenged to break out of past patterns. Read More 23:32 He talks about how he’s trying to influence change in his community. 26:30 Derek expresses gratitude to GreenPath for giving him tools to help him become more financially resilient. 30:42 Learn what happened when Real $tories Host Chris proposed hugging Derek. 35:16 An excerpt from one of Derek’s letters to reflect on as Thanksgiving approaches What’s Your Feedback? Your reactions and feedback about the podcast are welcome. Please take this quick survey and let us know. Subscribe to Newsletter hbspt.forms.create({ portalId: "4952702", formId: "eb155380-d814-4732-bc02-47baea924539" }); Stream Anywhere Apple Podcasts Android Google Podcasts Stitcher TuneIn Spotify RSS Real$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. hbspt.forms.create({ portalId: "4952702", formId: "eb155380-d814-4732-bc02-47baea924539" }); Close Subscribe Now
36:41 11/15/2022
Real Stories Ep 32: Derek – Redirecting His Energy to A Better Life
A native of Chicago, Derek runs several small businesses. For him, success is not just measured by his financial success, but by the opportunities he creates for others in his community. Derek’s money story is as real as it gets. He has taken the lessons from his past life to fuel his personal growth. His wisdom reaches beyond money. Our conversation is a roundtable interview with our co-hosts, Omari and Shamica and special guest, Mick Dumke. A reporter for ProPublica, Mick had originally interviewed Derek for a piece he wrote in 2013 which details how the drug trade in Chicago was run like a Fortune 500 company. A Letter from the United States Bureau of Prisons The path to financial freedom is hard, and GreenPath is so proud to be part of Derek’s journey. You can read Derek’s full letter here. Key Moments 4:36 Derek describes how multiple businesses and jobs help him work towards his financial goals. 8:21 He shares how he has redirected his energy to do what it takes to find success hustling. 15:24 Derek reflects back on how his childhood experiences influenced the decisions he made. 18:47 He discusses how and why his mindset shifted, both in terms of how he invested in himself and his community. 25:29 Derek starts a financial education program for incarcerated individuals. 27:28 Listen to Derek’s first letter to GreenPath from prison. Read More 30:32 GreenPath’s materials are a springboard for Derek to create a customized curriculum for a re-entry program. 35:05 Upon his release, Derek finds a creative way to make money. 39:59 Derek describes how people reacted to his new mindset. 43:18 He describes how a personal tragedy led to his first getting involved in his business ventures. 46:34 Derek shares his wisdom about having a long-term mindset when it comes to your financial goals. What’s Your Feedback? Your reactions and feedback about the podcast are welcome. Please take this quick survey and let us know. 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. Are you a GreenPath client? Consider sharing your story with us! 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. hbspt.forms.create({ portalId: "4952702", formId: "eb155380-d814-4732-bc02-47baea924539" }); Close Subscribe Now
51:21 10/15/2022
Real Stories Ep 31: Kristin – Financial Stress Comes in All Shapes and Sizes
Today’s episode features Kristin, a loyal listener of our podcast. As she reflects on her experience with GreenPath, she noticed that she had a smaller amount of debt than many of our guests. Despite this, her feelings of financial stress were just as great. In our conversation, Kristin talks about how she ended up in a cycle of debt with payday loans before she eventually got things under control. Are you a GreenPath client? Consider sharing your story with us! Key Moments 2:36 Kristin describes how she ended up trapped in a payday loan cycle. 6:28 After seeing she had a negative bank balance of nearly $1000, she explores options to regain control of her finances, but struggles to find a solution she’s comfortable with. 9:49 Kristin discusses the fear and shame she felt when she talked to GreenPath for the first time. 13:15 She shares how her GreenPath experience inspired her to make changes to her spending habits. 21:20 Kristin talks about what it was like to tackle her debt as a single person. 27:31 With her debt repayment complete, she looks towards her goals of building up her emergency and retirement savings. 29:00 After listening to this podcast, Kristin signs up for the Financial Gym to help her with her financial goals. 32:10 She reveals that she’s still uncertain about trusting herself to stay on her desired financial path. 33:46 Kristin shares how her $7500 in debt may have been less than that in other podcast stories, yet the amount still felt very big to her. Read More Practical Tips 44:14 The value of still talking to GreenPath if you don’t think your situation fits the typical mold 45:42 Overcoming the fear around taking steps to address a debt problem 46:31 Alternatives to avoid getting trapped in a payday loan cycle 49:01 How GreenPath’s empathetic approach differs from other interactions in the financial services industry when seeking out debt support 50:40 The power of believing in yourself to facilitate positive money changes What’s Your Feedback? Your reactions and feedback about the podcast are welcome. Please take this quick survey and let us know. 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. Are you a GreenPath client? Consider sharing your story with us! 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. hbspt.forms.create({ portalId: "4952702", formId: "eb155380-d814-4732-bc02-47baea924539" }); Close Subscribe Now
52:58 09/15/2022
Real Stories Ep 30: Get Your Money Right – 6 Stories Share a Common Theme
While each Real Stories episode is unique and each individual has their own money story, there are many similarities between them! This episode highlights previous Real Stories guests and discusses the common themes of financial related stress and anxiety. In each case, see how a call to GreenPath improved people’s financial and mental health long term. We’ll hear from Liz, Nina, Jessie, Lavell, Lauren, and Katie who teach us that while our circumstances may be different, we share the same struggles and triumphs. 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. Are you a GreenPath client? Consider sharing your story with us! 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. hbspt.forms.create({ portalId: "4952702", formId: "eb155380-d814-4732-bc02-47baea924539" }); Close Subscribe Now
13:17 08/15/2022
Real Stories Ep 29: Kimberly – “Side Hustling” to a More Balanced Life
Kimberly’s story is one of resilience. Despite having a mortgage payment that doubled and tens of thousands of dollars of credit card debt, she found a way to persevere. For her, the side hustle was front and center. Yet, she found work she loved to do like bartending, pet sitting and voice acting. And as she eventually paid off her credit card debt, she is now able to create more balance in her life. Her journey has not been an easy one – but it has been full of lessons along the way. Key Moments 2:15 Kim grows up in a family where her parents have very different approaches to money. 4:40 Her dad helps pay off the $25,000 in debt she accumulated in her 20s. 7:43 After getting an interest-only mortgage to purchase her first home, her payment doubles. 10:22 She tries a number of different ideas to keep up with her payments, including taking on a roommate, bartending and pet sitting. 16:30 She funds her small business with credit cards, eventually leading to $30,000 in new debt. 21:29 She decides to seek outside help for her credit card debt and eventually finds GreenPath. 29:27 She finds support on her debt journey from her bible study group but finds some struggles with a few friendships. 33:24 Kimberly receives help from a patron to help her pay for therapy. 38:21 She speaks to the privilege of being single when it comes to handling her money. 42:03 She talks about how she has tried to reduce her stress more now that she is debt free. 46:43 She expresses her desire to support her family while still supporting herself. 56:01 Kimberly states her truth and then shares her advice for how to balance one’s dreams with a money mindset. Read More Practical Tips 1:01:49 Do we magically know how to run our finances once we enter adulthood? 1:03:10 How being single can serve as a privilege 1:04:05 Side hustling doing things you love 1:05:10 Running a small business as an artist 1:08:05 The practicality of creating life balance when paying down debt What’s Your Feedback? Your reactions and feedback about the podcast are welcome. Please take this quick survey and let us know. 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. Are you a GreenPath client? Consider sharing your story with us! 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. hbspt.forms.create({ portalId: "4952702", formId: "eb155380-d814-4732-bc02-47baea924539" }); Close Subscribe Now
70:44 07/15/2022
Real Stories Ep 28: Danny Kofke – Rewriting Your Money Story “Can Be Done!”
Listen to a conversation with Danny Kofke. His family of four lived on his teacher’s salary for several years. They learned the impact of delayed gratification and the value of not comparing your lifestyle to others. Danny’s new career is to help others manage their finances better and let them know that rewriting their own money story can be done. He has written five personal finance books and appeared on numerous national television shows. He has also been interviewed on over 600 radio shows. Danny has given hundreds of presentations across the country helping others with money management. His mission is to show others that if a former schoolteacher can do well financially, they can too. Key Moments 2:22 Danny shares about how his upbringing influenced his approach to money with his own family. 6:50 He reflects on purchasing his first car and regrets from later purchasing a new car. 8:21 After Danny gets married and quickly moves abroad for two years, he and his wife develop a solid financial foundation. 12:23 He shares how they were able to stretch their budget for a family of four on a teacher’s salary. 16:54 Danny’s experiences with money lead to him writing a book. 20:15 He explains how he ended up in a career in financial wellness. 22:15 He discusses his financial goals with his daughter entering college and their future retirement plans. Read More 27:01 Danny shares personal finance tips during our challenging economic climate. 30:57 He explains why money can act like a five-year-old. 32:22 He advises how to balance debt repayment and savings goals. 37:12 Danny discusses the level of financial transparency he has with his children. Practical Tips 44:23 How to travel on a budget 45:17 The importance of delayed gratification 47:46 Investing when you have credit card debt 50:00 How to approach your financial goals knowing that appearances can be deceiving What’s Your Feedback? Your reactions and feedback about the podcast are welcome. Please take this quick survey and let us know. 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. Are you a GreenPath client? Consider sharing your story with us! 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. hbspt.forms.create({ portalId: "4952702", formId: "eb155380-d814-4732-bc02-47baea924539" }); Close Subscribe Now
53:19 06/15/2022
Real Stories Ep 27: Regina’s Story – 3 Paths to a Brighter Future
On three different occasions, Regina has been at a crossroads with her finances. Each time, GreenPath has provided different kinds of support. The first time, after she suddenly became a single parent, she became overwhelmed with debt and was contemplating bankruptcy. While she still ended up going that route, GreenPath was able to provide support for her during this difficult time. Some time later, she was looking to buy a home and used GreenPath to get a certificate to qualify for home buying programs. The third time, she wasn’t satisfied with her progress with her debt repayment progress and this time, she was able to enroll in a Debt Management Plan. Reflecting on this experience, she wrote to us, “My life is 1000 times better than it used to be the first time I sought GreenPath’s help and this time GreenPath is helping me keep it this way.” Take a listen to see how Regina’s life got “1000 times better.” Detroit Free Press Article about budgeting around inflation featuring Regina. Key Moments 2:46 Regina reflects back on how her upbringing shaped her outlook on money. 7:26 She shares about a perfect storm of events in her personal life that eventually led to bankruptcy and a new life as a single mom. 16:39 She talks to GreenPath as she considers bankruptcy. 20:37 Regina works towards buying a home and ends up using GreenPath again as a resource. 22:25 As she furnishes and improves her new home, her credit card debt starts to creep back up. 24:31 She decides to reach out to GreenPath for the third time – and this time, she ends up on a Debt Management Program. 25:50 Regina describes how her interaction with GreenPath better helped her to monitor her budget. Read More 31:43 She talks about the role shame has when it comes to deciding when and who to share her story with. 38:00 She reviews how she has been approaching her budget now that things have gotten tighter with inflation. 43:16 Regina explains how she is trying to raise her daughters to be financially healthy. 50:17 She reflects on how she has learned to embrace gratitude and no longer reside in bitterness. Practical Tips 53:53 Budgeting within the constraints of paying down your debt 56:11 How communication can play a key role in financial health 57:21 How letting go of the past can transform your finances 58:45 Tips for lending money to friends/family 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. Are you a GreenPath client? Consider sharing your story with us! 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. hbspt.forms.create({ portalId: "4952702", formId: "eb155380-d814-4732-bc02-47baea924539" }); Close Subscribe Now
62:34 05/15/2022
Real Stories Ep 26: Pobody’s Nerfect – 7 Stories of (Finally) Getting Money Right
April is Financial Literacy Month, which is designated by Congress to raise awareness about the importance of financial literacy education, something even more important with the economic uncertainties caused by higher inflation and the ongoing pandemic. We all make mistakes – we all face challenges – but what we learn once we come out the other side is what really matters. We believe that a crucial part of financial wellness is resilience. So we decided to dedicate today’s episode to a variety of stories that demonstrate this resilience. Key Moments 1:19 Kendal explains how she originally ended up in bankruptcy and took steps to avoid it again when she and Matt reached another crossroads. 2:45 Matt describes how their improved financial situation allowed them to invest in home repairs to make their home accessible to their special needs son. 5:24 Michele takes out a consolidation loan that didn’t end up solving her debt problems. 6:57 Her new outlook fundamentally changes how she approaches her spending. 8:37 Angela’s credit card debt slowly becomes unmanageable. 11:33 She starts applying the job training she receives from GreenPath to her own situation. 13:16 Monte receives his first credit card as a 19-year-old and after overdoing things, gets sued and has his wages garnished. 15:30 He shares how he’s navigated his finances while living with a mental health condition and offers advice to others. Read More 18:04 Jeff and Victoria adjust to their new reality after having their first child at a young age. 20:04 They reflect on the mindset they adopted to get out of debt. 21:59 After living beyond her means, the birth of her son causes Tanisha to rethink her spending patterns. 24:17 She involves her now 15-year-old-son in her financial decisions to help him as he becomes more independent. 26:01 Whitney realizes that a title loan just makes her situation worse. 27:07 She and Russell offer guidance for others when their finances are affected by a medical condition. 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. Are you a GreenPath client? Consider sharing your story with us! 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. hbspt.forms.create({ portalId: "4952702", formId: "eb155380-d814-4732-bc02-47baea924539" }); Close Subscribe Now
32:26 04/15/2022
Real Stories Episode 25: Katie’s Story Continues – The Journey to Financial Wellness is Never a Straight Line
In today’s episode, we’re going to check in with our very first guest. I originally talked to Katie in December 2018. First, we’ll play some highlights of that original interview (↗). Then, we’ll go to a recent conversation with her. Katie’s story is a good reminder that the journey to financial wellness is never a straight line. Katie has and continues to face obstacles, like an unexpected trip after a relative passed away or an income reduction caused by the pandemic. But she has put herself in a better position to navigate these obstacles. She also gives some practical tips about how she and her husband took control of their budget and her approach to saving and credit cards. Key Moments 2:00 Katie describes how she originally got into credit card debt in college. 3:47 Her loneliness and depression as a new mom manifest as a shopping addiction. 6:22 Her second child’s medical issues affect her ability to work. 8:12 She goes through a divorce and soon thereafter starts a Debt Management Program. 12:53 Back to the present day, she uses a credit card for a family emergency, but this time, she has a clear plan to pay it down. 14:42 She is thankful that she can fall back on her savings to cover expenses related to legal fees for her custody case. 16:35 When her rent goes up significantly, she is confident that her budget can support this. 18:12 Her car needs to be replaced, but increased awareness of her finances makes it easier to take on this larger expense. Read More 20:23 She loses one of her household’s income sources during the pandemic but knowing her budget numbers allows them to adjust accordingly. 25:00 Katie’s journey with money guides how she creates learning experiences for our audience. Practical Tips 29:52 Katie talks about her approach using a shared note with her husband on their smartphones to better manage their budget. 32:36 She discusses why she does manual transfers to savings to allow her more control as unexpected expenses arise. 33:57 She devises a creative strategy to set aside funds for her son’s celebration. 35:35 She mostly avoids credit cards but when she does use one, she ensures it is always paid off in full automatically. 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. Are you a GreenPath client? Consider sharing your story with us! 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. hbspt.forms.create({ portalId: "4952702", formId: "eb155380-d814-4732-bc02-47baea924539" }); Close Subscribe Now
40:15 03/15/2022
Real Stories Episode 24: Shannon McLay – Building Financial Strength with the Founder/CEO of the Financial Gym
Long before this podcast was born, our guest, Shannon McLay, was a pioneer. Her podcast, Martinis and Your Money has been going strong for 7 years… and 400 episodes. On her show, Shannon is not shy about talking about her own challenges. Her experiences give us two opportunities to learn. As with all our guests, she has a unique financial journey that has a lot of ups and downs. And as someone who speaks to others working on their financial goals, she has lots of great advice based on those conversations. She’ll discuss getting into debt, depleting her retirement and savings and selling a home she couldn’t afford. She navigates a divorce, makes financial sacrifices to meet her child’s needs and takes a major pay cut to start a business. As you listen to Shannon’s story, while your circumstances might be different, consider how you might have experienced similar feelings throughout your journey. Key Moments 6:05 Shannon explains more about her business, the Financial Gym. 15:10 She offers suggestions on how bonuses and other windfalls can fit into your financial plan after some regrets earlier in her career. 17:50 She shares what she learned after borrowing to buy a new car after already owning one that was paid off. 22:58 Shannon gives advice when it comes to negotiating raises. 29:55 She ends up using retirement funds when buying a home and based on this experience, offers guidance for others buying a home. 33:24 Shannon explains why her finances often felt like a game of whack-a-mole. 35:21 She reflects on the emotional decision to sell her home but why looking back, she has no regrets. 45:35 Shannon considers if there is a magic solution for one’s finances if the numbers just don’t work out. 51:25 She gives advice to her younger self. 54:29 Shannon discusses what inspires her to be vulnerable and share her story with others. 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. Are you a GreenPath client? Consider sharing your story with us! 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. hbspt.forms.create({ portalId: "4952702", formId: "eb155380-d814-4732-bc02-47baea924539" }); Close Subscribe Now
57:03 02/15/2022
Real Stories Episode 23: Amanda Clayman – Tips from a Financial Therapist who got a “$19,000 Haircut”
Amanda Clayman is a financial therapist – in other words, a clinician specializing in money issues. She believes money can be a tool for transformation: something she learned firsthand. In her own words, several years ago, “she blew up her financial life so spectacularly that it propelled her in a whole new career direction.” We’ll start with Amanda’s financial blow up and learn how she put things back together. After her story, stay tuned for part two of our interview where we pick her brain to learn some great practical money tips! If you’d like to learn more about Amanda, check out her website. You can hear her on WNYC’s Death, Sex & Money podcast. She also leads personal finance courses on LinkedIn Learning, such as this course. Key Moments 2:53 Amanda’s childhood involves living in a variety of socio-economic circumstances. 4:47 A free koosh ball eventually (indirectly) leads her down a challenging financial path. 7:48 Amanda moves to NYC and her lifestyle causes her debt to accumulate. 10:05 She creates a “strategy” to keep spinning her wheels. 14:25 Amanda gets a $19,000 haircut (ie a new approach to her finances) from her mom. 19:17 She describes the freedom of living under the constraints of her new budget. 21:07 Amanda opens up about her debt to her friends and realizes they’re all in the same boat. 24:04 She speaks to the role that luck played in her becoming debt free. 26:43 Her personal journey inspires her to create financial wellness opportunities for others. 32:42 Amanda leaves her dream job to start a new chapter on the other side of the country. Read More 40:38 She speaks to the differences and similarities with her spouse and children when it comes to their money personalities. Practical Tips 51:10 Amanda explains the “good enough” budget. 53:34 She talks about the benefit of using “benign curiosity” to examine our own money behavior. 54:53 Amanda shares how to “treat yourself” in a healthy way. 58:55 She cautions us when it comes to automated spending. 1:01:49 Is it a good idea to chase the perfect credit score? 1:03:40 Why we’re all financially unique 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. Are you a GreenPath client? Consider sharing your story with us! 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. hbspt.forms.create({ portalId: "4952702", formId: "eb155380-d814-4732-bc02-47baea924539" }); Close Subscribe Now
69:05 01/15/2022
Real Stories Episode 22: Lavell – From “Swiping Like a Ninja” to Debt-Free
18-year-old Lavell received an envelope right before Christmas: a credit card he didn’t apply for. That Christmas was very merry as he used the credit card to give generously to his loved ones. But what started as a gesture of kindness snowballed into a mountain of debt: $30,000 owed on one card alone. Eventually, Lavell found GreenPath through a co-worker. What did he do next? Key Moments 2:22 Lavell receives good financial advice from his mother that he doesn’t initially follow. 3:15 He “swipes like a ninja” after receiving a new credit card as an 18-year-old near Christmas time. The debt on the card eventually grows to nearly $30,000. 8:42 Lavell recalls how most of his debt stemmed from helping others with money he didn’t have. 11:34 He finds out about GreenPath but is initially convinced he can handle his debt on his own. 13:10 He decides to reach out to GreenPath and after a long session, decides to move forward on a Debt Management Program. 16:52 The interest rate on Lavell’s credit card drops from 24% to 2%! 20:01 He has doubts about continuing on the Debt Management Plan when he learns that he won’t be able to make any more purchases on his cards. 24:30 Lavell meets his future wife, who is impressed about his focus on becoming debt free. 28:47 He takes a step back after signing up for a new card with a tempting offer. 36:44 Lavell shares what inspired him to share his story. 38:58 He gives advice to others to “receive the help.” Practical Tips 44:59 Recognizing the value of having conversations about money 46:20 Hurting yourself by helping others (college savings vs. retirement) 48:37 Making fixed debt payments (and savings contributions) 50:30 Using a credit card like a debit card to ensure you can always pay it off 52:47 Becoming financially healthy to open up unexpected doors 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. Are you a GreenPath client? Consider sharing your story with us! 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. hbspt.forms.create({ portalId: "4952702", formId: "eb155380-d814-4732-bc02-47baea924539" }); Close Subscribe Now
56:41 12/15/2021
Real Stories Episode 21: Jessie – From Client to Counselor
After struggling with credit card debt in college, Jessie was all set to file bankruptcy. But after she told her family about her plans, they encouraged her to search for an alternative – a Debt Management Program with GreenPath. Not only did this option enable her to become debt free – she ended up in a career in banking that likely would not have been possible with a bankruptcy on her record. Jessie eventually landed a role as a financial counselor at GreenPath, where she was able to help people who were in a similar situation to the one she was in. Key Moments 2:46 Jessie describes how she used student loans and credit cards to cover her expenses during college and how her debt eventually became harder to handle. 6:01 She offers advice for her younger self around how many credit cards are ideal to have. 8:35 Jessie considers bankruptcy. 10:14 Her study abroad program leads to a difficult conversation with her parents about her finances. 12:15 Her father recommends she reach out to GreenPath to explore a Debt Management Plan. 19:42 After fluctuating income post-college, she lands a job working at a bank after a chance encounter. Read More 22:48 Jessie shares what it was like to become debt free. 24:28 She explains her new philosophy using credit cards. 26:43 Jessie talks about her new approach when it comes to savings goals. 32:19 She starts a career as a financial counselor at GreenPath. 34:32 Jessie shifts to a role working with GreenPath’s credit union and bank partners. Practical Tips 37:47 Exploring alternatives to bankruptcy. 40:57 Using a Debt Management Program to organize bill payments. 44:00 Using a credit card like a debit card. 48:19 Paying yourself back after dipping into savings. 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. Are you a GreenPath client? Consider sharing your story with us! 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. hbspt.forms.create({ portalId: "4952702", formId: "eb155380-d814-4732-bc02-47baea924539" }); Close Subscribe Now
53:34 11/15/2021
Real Stories Episode 20: Nina - Light after Darkness 
Nina has been on quite a journey the last few years. For her, stress around her finances was only the tip of the iceberg. Nina also faced many challenges when it came to addiction and her mental health. Her story almost had a tragic outcome. In her darkest moment, Nina summoned the strength to turn her life around. She found support from her family, her new partner and her new employer. This led to her GreenPath, who helped her turn around her financial life, too. Nina’s story provides such a visceral reminder that we’re not alonePLEASE NOTE: This Episode Discusses Suicide If you would like someone to talk to, consider joining the more than 20 million people who have called the National Suicide Lifeline at 800-273-8255 to start a conversation. This hotline provides free and confidential emotional support to people in crisis or emotional distress 24 hours a day, 7 days a week, across the United States. Another resource to consider is the Crisis Text Line. To connect with a Crisis Counselor, text HOME to 741741. You are not alone. Sign Up to Receive New Money Stories Episodes Enter your email to get notifications of new Real $tories podcasts, and updates from GreenPath Financial Wellness. hbspt.forms.create({ portalId: "4952702", formId: "eb155380-d814-4732-bc02-47baea924539" }); Intro Music by Hir-o Visit Money 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. Intro Music by Hir-o We would like to hear what our listeners think about the podcast. Take this quick survey and let us know. Key Moments 5:17 Nina describes how her depression impacted her finances and contributed to her credit card debt. 7:15 She details how she started to self-medicate with alcohol. 8:49 Nina shares her darkest moment and the changes she started to make after her suicide attempt. READ MORE 16:15 She describes how her new job at Service Credit Union led to an introduction to GreenPath. 20:33 Nina talks about how paying down her debt put her in a position to afford Christmas presents. 26:13 She explains how she was able to save over $5000 in interest by refinancing her high-rate auto loan. 29:28 Nina discusses her experience with GreenPath’s Super User program and how this better enabled her to help others with their finances. 34:43 She talks about the current state of her mental health and the support system she’s put in place. 38:15 Nina talks about her financial goals. 43:08 She gives advice to help others when feeling overwhelmed. Practical Tips 48:01 Considerations when talking to debt collectors 51:28 Pros and cons of opening up a joint savings account 54:15 Using money apps 56:45 Refinancing auto loans 59:06 Self-love and financial health
66:18 10/15/2021
Real Stories Episode 18 – Real Stories Live: Family Lessons About Money
Today’s episode features a lively discussion about raising financially healthy kids. You’ll have the chance to hear different perspectives from our panel of GreenPath clients and friends who are inspiring their children to be financially resilient. Learn how we might support the next generation in their financial wellness journeys. Our conversation features: Tips for communicating with your kids about money Challenges (and how we might overcome them) when it comes to family finances Resources to share with your family and community Click Here to Visit the Podcast Homepage Check out GreenPath’s new Learning Lab, featuring online courses and tools. It’s free and easy to use:  https://www.greenpath.com/learninglab Music by Hir-o Key Moments 3:05 Meet our panelists 8:22 How transparent are you with your child/children when it comes to decisions about the family’s finances? 12:31 Think back to your childhood when it came to how money was approached in your family. What is one approach you’re continuing to model now that you have a child? Alternatively, what is one money area where you’re taking a different approach? 14:56 What are some common struggles with money that you have observed with the college students in your classes? 17:18 Do you think making your kids an authorized user on a credit card is a great idea? If so, at what age? 20:46 What would you recommend for a parent that would like to set their child up with a “financial tutor” before college? 22:19 Think back to a financial decision or behavior you regret from when you were in your teens or early 20s. Could you share about this experience? Would you influence your child/children to avoid this at that age? If so, how? If not, why? 24:04 What financial resources do you recommend for a middle school student and are there classes they can enroll in? 27:45 What is one challenge when it comes to influencing your child’s financial health? 32:46 How do you define success when it comes to raising a financially healthy child? 34:08 How do you know students are "getting it" beyond discussions in class? Are there any indications that the lessons are or are not sinking in? 36:29 What has your child/children taught you when it comes to money? 40:14 Two common long-term goals I hear from parents are saving for retirement and saving for their kid’s college. If resources are limited, how would you decide which goal to prioritize? 45:24 What are some of your favorite money lessons in your college financial literacy course? 49:46 What is your favorite free activity for the family? We Want to Hear from You! We would like to hear what our listeners think about the podcast. Take this quick survey and let us know.
54:51 09/15/2021
Real Stories Episode 16 – Lauren – Persistence One Penny at a Time
It’s easy to look at Lauren’s finances today and take her success for granted. She communicates openly with her husband and they work in tandem towards their shared goals. She partners with GreenPath to manage her household bills. She practices numerous healthy financial habits, like using an envelope system and savings buckets. But it wasn’t always like this. Lauren’s journey to her current success is a great example of the power of persistence. For over a decade, she desired support from a financial counseling agency but had not found one that met her needs. Talking about money with her spouse was a source of stress. She often struggled to pay for heating oil. Fasten your seatbelt for the winding (and sometimes bumpy) route that Lauren took to achieve financial wellness. Click Here to Visit the Podcast Homepage Check out GreenPath’s new Learning Lab, featuring online courses and tools. It’s free and easy to use:  https://www.greenpath.com/learninglab Music by Hir-o Key Moments 2:49 Lauren describes the frustrations and obstacles she and her husband faced with their money. 7:51 She discovers GreenPath and starts to develop a self-adminstered plan with mixed results. 9:14 They decide to start the Debt Management Plan and start making progress. 14:48 Lauren finds love in a very unexpected place… her debt collector! 16:35 She talks about how they run their finances like a town. 23:01 Lauren shares how her financial plan is having a positive impact on her mental and physical health. 25:40 She talks about how she literally picked up pennies to pay for a vacation. 32:28 Lauren describes how they’re using savings accounts to work towards their financial goals. 37:48 She discusses how she’s learned to communicate with her partner about money. 42:11 Lauren shares that she no longer wakes up in the middle of the night stressing over money. 43:47 She gives advice to others experiencing financial stress. 53:28 Our host recaps the practical money tips that are lifted up in Lauren’s story. We Want to Hear from You! We would like to hear what our listeners think about the podcast. Take this quick survey and let us know. Take the Survey    
55:53 06/01/2021
Real Stories Episode 15: Russell and Whitney – A Story of Resilience
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.
94:01 04/21/2021
Real Stories Episode 14: Kenia – A family’s collective strength brings its financial goals within reach.
Kenia grew up in El Salvador. Due in part to the violence in her native country, her family decided to immigrate to the United States when she was 11. Kenia’s family did not have a legal status and this reality shaped much of her experience growing up. She eventually became a DACA recipient and this created opportunities when it came to her education. These same opportunities also impacted her finances, at times negatively. Through it all, Kenia has remained very tight with her family—be inspired as you listen to the sacrifice that each of them has made to support one another. Click Here to Visit the Podcast Homepage Original artwork by Kenia depicting her and her family. To learn more about Kenia, please visit www.coffeewithkenia.com. Special thanks to Andy Manthei and Nick Bechard Music by Hir-o Key Moments 2:55 Kenia talks about her experience with money when she first grew up in El Salvador. 5:35 She becomes very involved in her family’s finances when her family moves to the U.S. due to her parents’ language barriers. 8:29 Kenia shares a meaningful memory from her childhood when the power got cut off. 15:35 She explains what prevented her from being an undocumented “statistic” and how this inspired her to share her story. 17:52 Kenia tells the story of why getting a Sam’s Club membership reminded her father of the sacrifices he made. 23:12 She talks about how paying for college was only possible because of the collective efforts of her family. 25:00 She speaks to the pressure that came along with a full-time job including having to figure out how to get out of credit card debt. 31:33 Kenia talks about how she and her younger sister approach money differently when it comes to saving for the future and helping family in the present. 37:00 She talks about her future plans to move out and her regrets when it comes to not saving up for this earlier. 40:42 Kenia talks about her work as an advocate for latinx immigrant communities. 48:38 She talks about her family’s experience making the leap from renting to owning. 50:47 Kenia talks about her passion for inclusion efforts in the credit union industry. 57:55 Our co-hosts reflect on the lessons learned from Kenia’s story. We Want to Hear From You! We would like to hear what our listeners think about the podcast. Take this quick survey and let us know. Take the Survey  
75:08 03/24/2021
Real Stories Episode 13: Tanisha Inspired Money Lessons Across a Generation
After getting into debt, Tanisha had feelings of shame and isolation. She turned to options that ended up increasing her stress, like payday loans. But she found her way to GreenPath and discovered that she wasn’t alone. Inspired to build a better foundation for her son, she soon became debt-free. Now, she’s an open book when it comes to discussing her money journey. And she’s taught her son well. In fact, the student has become the teacher as her son has started sharing money lessons with her. Click Here to Visit the Podcast Homepage Music by Hir-o Key Moments 2:09 Tanisha shares the money lessons learned from her parents. 4:34 Hear how she is intentional with her son when it comes to discussing finances. 8:01 Tanisha discusses how she first got into debt and how the birth of her son influenced her wanting to address this debt. 10:40 She finds GreenPath and feels supported by her financial counselor. 12:01 Tanisha discusses her feelings of anxiety and shame around her finances. 13:49 She shares why she is now an open book when it comes to discussing money and how she encourages others to do the same. 16:11 Tanisha discusses her experience with payday loans. 21:14 She talks about what it was like to be on a Debt Management Plan and how it affected her spending habits. 26:03 Tanisha thinks back to her feelings of liberation once she became debt-free. 28:00 She compares the difference between “buying” a house and “affording” a house. 29:24 Tanisha talks about her future goals, like retiring comfortably and affording college tuition for her son. 32:24 She gives advice to tackle debt head-on. 35:28 Tanisha’s son Noah joins us to discuss what he’s learned from her and what excites him about the stock market. 43:40 Our co-hosts reflect on the money lessons from Tanisha’s story. We Want to Hear From You! We would like to hear what our listeners think about the podcast. Take this quick survey and let us know. Take the Survey
54:12 02/17/2021
Real Stories Episode 12: Jeff & Victoria – From a Burning Ship to Calmer Waters
Victoria was enjoying life in her early 20s. Jeff had a budding career in the restaurant industry. Then things got real very quickly. Would having a child while she was in college mean that Victoria would have to change her spending habits? Was Jeff ready to make a major career shift while Victoria was also starting her own business? Jeff and Victoria faced a lot of pain on their journey to financial wellness. Pain from nearly losing their home in foreclosure. Pain from getting into $45,000 in credit card debt. But it was precisely this pain that ended up motivating them to change their life. And even as they became debt-free, they continue to act with the same sense of urgency to reach their financial goals. Join us for Jeff and Victoria’s Real Story and be inspired by the money lessons that they learned along the way. Click Here to Visit the Podcast Homepage Music by Hir-o   Watch the video series of Jeff & Victoria’s debt free journey. Take our free course on Redesigning Your Financial Habits. Key Moments 3:46 Victoria and Jeff discuss how their families influenced their approach to money. 7:32 They adjust as the birth of their child in their early 20s has a profound impact on their finances and lifestyle. 11:36 The couple describes how an investment in their careers also led to credit card debt. 19:44 Victoria considers how despite the pain of accumulating debt, she appreciates the growth opportunities it provided. 23:23 Jeff talks about how despite being debt free, it’s important to keep the urgency that got them out of debt. 25:50 They discuss how they fell behind on their mortgage. 31:05 Victoria takes action to get their mortgage and credit card debt under control. 33:23 She discusses her experience meeting with their GreenPath Expert and how she was relieved that she was not being judged. 40:24 Victoria and Jeff describe their experience making adjustments to their spending. 43:39 They describe how COVID impacted their income and depleted their savings. 48:17 Jeff talks about how his improved credit allowed them to refinance and pay off their remaining credit card debt. 57:32 They talk about their financial goals, such as having a wedding and investing in a retirement account. 1:02:40 Victoria discusses what inspired her to share her story. 1:07:52 They share some advice for our listeners. 1:10:40 Our co-hosts discuss money lessons from Jeff & Victoria’s story. Tell Us About You and Win $50! GreenPath Financial Wellness is committed to creating equitable learning experiences that meet the needs of all communities. As such, we created a survey to learn more about our audience. As a thank you for your time, the first 200 people who respond to the survey will be entered into a raffle… two lucky winners will win a $50 gift card. Actual odds of winning will be 1 in 100 (or better if fewer than 200 people enter the raffle). Take the Survey [/vc_column_text][/vc_column][/vc_row]
79:38 01/13/2021
Real Stories Episode 11: Monte – Building a Money Mindset
Hearing real stories about how people form their “money mindset” can be helpful. Today’s story features Monte. 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—like the time he borrowed money to buy a Walkman and was sued after he couldn’t pay the bill. Monte’s money mindset has had some ups and downs. The money spent on his recent wedding set him back financially, but he has no regrets there. For Monte, he finds joy in living life to the fullest and that means spending with intention when it comes to experiences. Monte openly talks about what it’s like to live with a mental illness and how his condition often leads to compulsive spending. Our interview took place several days before he closed on his first home, so we’ll hear the mixture of anxiety and excitement he’s feeling. Click Here to Visit the Podcast Homepage   Music by Hir-o. Time markers 1:57 Monte discusses the influence his family had on his approach to money. 4:26 He shares how he thought he was destined for stardom. 6:59 Monte chooses between paying rent to his dad and attending college. 9:36 He applies for his first credit card… and eventually gets sued when he does not pay it back. 21:59 Monte explains what led him back to college in his late 20s. 27:48 He starts making more money than he ever thought possible. 33:25 Monte shares what’s like to live with Bipolar 1 and how this affects his relationship with money. 38:22 He explains his experience receiving financial counseling from GreenPath. 39:40 He has an “extravagant” wedding and incurs new debt but has zero regrets. 46:31 Monte discusses the different life experiences that have informed his outlook on money compared to his spouse. 51:08 He shares his feelings buying his first home in three days. 1:01:48 Monte talks about his future financial goals. Tell Us About You and Win $50! GreenPath Financial Wellness is committed to creating equitable learning experiences that meet the needs of all communities. As such, we created a survey to learn more about our audience. As a thank you for your time, the first 200 people who respond to the survey will be entered into a raffle… two lucky winners will win a $50 gift card. Take the Survey  
68:28 12/02/2020
Real Stories Episode 10: Mia - A Winding Road to her American Dream
Mia has overcome many obstacles in her life. As a new immigrant to the U.S., she overcame a language barrier and the challenge of building a career as well as learning a new financial system. After finding a job at a major insurance provider, she faced the battle of her life after getting run over by a light rail train. Learning how to walk again not only proved to be a physical challenge but an immense mental challenge. Once recovered, she was the recipient of a home through Habitat for Humanity. Mia’s Financial Challenges Several years later, saddled with credit card debt, she was referred to GreenPath by her mortgage lender and found another “family” who was willing to listen to her financial concerns. With GreenPath’s support and debt counseling, she become debt free and now looks forward to building her business which spreads the life lessons she has learned. Join Mia on her journey as she explains in her own words what true wealth means to her. Click Here to Visit the Podcast Homepage Music by Hir-o. Time markers 1:44 Mia shares what it is was like to immigrate to the U.S. from the Philippines, including how this affected her finances. 3:46 She shares expectations vs. reality when it comes to the American Dream. 7:21 A near death experience changes her life forever. 12:40 Mia is the recipient of a Habitat for Humanity home. 17:10 She reaches out to GreenPath to help her with her debt and finds another “family.” 21:38 Mia explains her challenges adjusting to a debt repayment plan. 22:55 She ponders how she might have handled life events without GreenPath’s support. 24:00 Mia compares her light rail accident with her debt mountain and how each affected her mental health. 27:16 She explains how she brought in extra income in a way that met her needs. 29:05 Mia pays it forward by helping retail customers with financial concerns find resources like GreenPath. 30:40 She describes her business venture, including the challenges she faced as an entrepreneur. 33:15 Mia explains story behind her business, Borrowed Life—and why this name has a lot of meaning to her. 35:06 She explains the inspiring story of how she reunited with her husband. 38:15 Mia describes how her true wealth is her family. 39:19 She describes how it felt to finally become debt free and how thankful she was for GreenPath’s support. 40:57 Mia offers advice for someone who might be experiencing financial stress. Tell Us About You and Win $50! GreenPath Financial Wellness is committed to creating equitable learning experiences that meet the needs of all communities. As such, we created a survey to learn more about our audience. As a thank you for your time, the first 200 people who respond to the survey will be entered into a raffle… two lucky winners will win a $50 gift card. Take the Survey
47:33 10/29/2020
Real Stories Episode 9: Andre – Perspectives Along the Way
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. Andre’s Story 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. Click Here to Visit the Podcast Homepage Music by Hir-o. 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. 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. Let Us Know What You Think. We’re glad you can listen to these real stories people face on their financial wellness journey. We would like to hear what our listeners think about the podcast. Take this quick survey and let us know. Take the Survey
52:56 09/03/2020
Episode 8: Angela – A 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? Click Here to Visit the Podcast Homepage Music by Hir-o 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. 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. We Want To Hear From You! We're glad you can listen to these real stories people face on their financial wellness journey. We would like to hear what our listeners think about the podcast. Take this quick survey and let us know. Take the Survey
51:44 08/05/2020
Episode 6: Dawn - A Difficult Decision
Each year, Dawn and her family faced an income reduction when her husband got laid off during the winter months. An opportunity came to save a significant amount in their monthly budget, but it would mean downsizing to a much smaller home. What was the right choice for their family, including their son? 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. Listen and learn how a difficult decision turned into the right path forward. Click Here to Visit the Podcast Homepage Music by Hir-o Key Moments 1:02 Dawn discusses how her husband faced a longer lay off than their family anticipated. 3:09 Dawn’s husband proposes a major change: downsizing to a smaller home. 8:13 Dawn discusses how her son reacted to the news that they’ll soon be moving. 10:40  When they put their current home on the market, an interesting possible buyer emerges. 12:20 Dawn discusses how her husband is processing the major the change that is about to occur. 14:50 We are rejoined by Dawn 7 months later to discuss how things played out. 17:48 Dawn discusses how her husband has adjusted to the changes in their housing situation. 21:10 Dawn shares how her new budget has opened up new goals. 23:58  We learn who bought their old home and how they saved on realty fees. 26:53 Dawn gives advice to others based on what she learned from her own experience. 32:08  Each of our co-hosts shares a key-takeaway and a call to action. We Want To Hear From You! We would like to hear what our listeners think about the podcast. Take this quick survey and let us know. Take the Survey    
38:23 05/28/2020
Episode 5: Michele - Feeling Optimistic in a Time of Challenge
Meet Michele: Michele faced hardships from many different angles.  Her mortgage payment became unaffordable after her initial payment skyrocketed.  Her husband lost his job.  She subsequently got a divorce, lost the home and filed bankruptcy.  She continued to struggle to keep up with her household expenses after a consolidation loan only provided a temporary fix.  She finally opened up to a friend about how it felt to be unable to afford Christmas gifts for her children. Her friend recommended GreenPath, but Michele was skeptical.  But Michele finally reached her breaking point when she was unable to cover the cost of her daughter’s sport and an emergency car repair.  With nothing to lose, she reached out to GreenPath and was amazed that within 10 minutes, she was filled with optimism with the knowledge that she wasn’t alone.  By the end of the day, she was enrolled on a Debt Management Plan, and 11 months in, her outlook is much brighter. Michele is even paying it forward by sharing her story with friends in the hopes that they will reach out to GreenPath for support as well. After listening to the first episode of the GreenPath Real Stories podcast series, Michele was inspired to share her own story. Hear her message of hope and her reminder that we are not alone. Click Here to Visit the Podcast Homepage Music by Hir-o Key Moments: 0:36 Michele provides an update on how she is coping with income loss and a totaled car in the midst of the pandemic. 12:54 Michele discusses how her mortgage became unaffordable and how she ultimately lost her home. 23:54 Michele shares about how it felt to file bankruptcy after her divorce. 29:46 Michele takes out a consolidation loan, but quickly realizes it’s not a long term solution. 32:22 Michele confides to a friend how it felt to not be able to afford Christmas gifts for her children. 36:14 A call from her daughter’s coach causes Michele to reach her breaking point. 37:52 Michele describes her initial call to GreenPath as “hitting the lottery.” 47:50 She’s now encouraging others to reach out to GreenPath for support. 56:59 Michele explains how her entire mindset around finances has changed. 1:03:34 Our co-hosts reflect on Michele’s story and what all of us can learn from it.
78:42 04/28/2020
Episode 4: Coronavirus and Your Finances - Advice From GreenPath CEO Kristen Holt
GreenPath's Kristen Holt shares advice on how to navigate these times the financial impact of COVID-19.
10:03 03/20/2020
Episode 3: Matt & Kendal — A Modern Day Tale of Love and Money
Matt and Kendal each had a unique story that included financial hardships and bankruptcy.  They met, fell in love and decided to “merge corporations.”  Faced with the prospect of another bankruptcy, they decide to take a different route: a Debt Management Plan.  But this route proved to be a bumpy road and they had to figure out how to stretch their budget enough to pay their debt and their household bills, and still put food on the table.  The solution?  Designing new habits to automate their bill repayment-- and a good dose of grit, humor and support for each other.  Newly debt-free, they can now plan a life that includes making home improvements to accommodate their special needs son.  Join us for a modern-day Valentine’s tale… Music by Hir-o Click Here to Visit the Podcast Homepage   Links mentioned during the podcast: For more info about GreenPath’s Simple Payment Plan (SPP), please visit https://www.greenpath.com/counseling/simple-payment-plan/ To take our free e-course on Redesigning Your Financial Habits, please visit https://www.greenpath.com/redesign-financial-habits/   Key Moments 1:00 Matt & Kendal “merge corporations.” 2:05 A conversation at a gas station becomes a turning point. 5:40 Kendal shares how her family’s medical debt snowballed. 7:09 Matt and Kendal share how they stretched their budget to put enough food on the table. 11:19 They figure out how to automate their finances. 16:11 Opening the mail becomes an adventure. 17:59 Matt & Kendal discover that they’re not alone. 18:52 Matt receives some really good news with Kendal. 21:10 They’re finally able to explore home improvements to accommodate their special needs son. 24:30 Kendal has anxiety over giving up control of their debt repayment. 26:24 Matt & Kendal have a friendly competition where they’re both winners.
40:48 02/14/2020
Episode 2: Tammy and her husband change their family’s financial future
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.
34:29 01/07/2020
Episode 1: Katie asks for help and then finds passion in helping others
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
38:34 12/05/2019