That letter from the collection agency is NOT your bill! But that is exactly what a young man believed until our guest Justin took the time to help him understand the basics of managing money and fostering strong credit. Why? Because that is the type of person Justin is - open, engaging, fun, and the first in line to help the members of his credit union. In this podcast, learn about Justin's journey that started when he was 13 and his mom wouldn't buy him the expensive sneakers he so yearned for - but then took some interesting turns, including construction and pest control jobs and a marine science education - before he landed and began being amazing at his current financial services job.