Yanely talks to Chad Mallo, a former loan officer turned award-winning educator, to unpack how early money memories, and a family's bill-paying routines, can shape lifelong financial habits. Chad shares what it really took to leave a two-decade banking career for the classroom, including the mindset shifts, sacrifices, and "am I truly helping people?" moment that changed everything. Together, they explore how teachers can build trust, make personal finance feel relevant in a cashless, app-driven world, and learn alongside students without "faking it." You'll hear practical strategies for creating a safe classroom culture, addressing the digital divide, and helping students talk about money even when it's taboo at home. Chad also highlights powerful success stories from student entrepreneurship competitions and a memorable example of differentiated assessment that helped a reluctant student demonstrate mastery.