Let me be honest with you. I grew up in a house where the cupboards were bare more often than they were full. My mother was not bad with money — she just never had enough of it, and nobody ever taught her what to do when that happened. She did what most of us do: she survived. Day to day. Check to check. Crisis to crisis. Sound familiar? If it does, you are not alone — and more importantly, you are not the problem. But here is what I know after 30 years of financial coaching: surviving is not...

When Every Dollar Has to Work Overtime: Financial Literacy in the Real World