Welcome to Member Money Moments – a Q&A series sharing the wisdom, struggles, success, and goals of our Happy Money Members as they navigate their journey to financial freedom.

How does money and or debt affect your mental health?

What do you find is the most difficult challenge you face when it comes to money?

What do you wish you knew about money growing up?

That making money doesn't guarantee that you will always have money. You need to set a budget to save.

What topics would you most like to learn about when it comes to money?

What is one piece of advice you would give to others on their personal finance journey?

Prioritize what is important and set reasonable goals.

What’s your first financial goal when you become debt free?

My goal is to save money where I can do spontaneous things without financial worry.

In what way did Happy Money assist you in your personal finance journey?

The Payoff Loan allowed me to make a significant shift in my financial life. I was able to pay off debt that was drowning me. My credit score immediately increased by 97 points.