Our guest today says, “you can’t transform the world if you’re living paycheck to paycheck.” We couldn’t agree more! And money literacy is at the heart of avoiding that fate. Not only did Professor Kristen Carioti literally write the personal finance textbook, but she also found a way to make personal finance classes a requirement at her school, Mount Mary University. Kristen is boots on the ground, teaching the next generation how to think about and handle their finances effectively. We discuss:

• Students are eager to learn about personal finance, indicating a demand for a money education
• Building good money habits early can lead to long-term financial success
• Budgeting should be viewed as a plan rather than a restriction
• Trade-offs in financial decisions are often overlooked by young adults
• Financial tools should be chosen based on individual needs and effectiveness
• And plenty more!

Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances:

• Check out Kristen’s site to learn more about her, the personal finance book, and reach out to her on LinkedIn to connect professionally!
• Knowing your ‘money gear’ is a crucial part of your personal finance journey. Start here. 
• Sign up for the weekly HTM newsletter. It’s fun, free, & practical.
• Find a thriving community of fellow money nerds by joining the HTM Facebook group!
• Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.

And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you’re not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!

Best friends out!