In this episode you will hear Gina talk about her first recollection with money when she was 20 years old when she realized money was something you use to get things you want.  Gina's Mom in the family was a frugal spender and her Dad was a very responsible saver and so Gina followed her Dad's habits with money.  When Gina was 18 she got a bank account, a job and got her first credit card.  At the age of 26 Gina became divorced and a single Mom but with her great work ethic she got a good paying job being a bartender and was able to build her credit and make a life for her and her kids.  Keep listening to hear the rest of Gina's story.

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