Today we're joined by Yanely Espinal - also known as Ms. Be Helpful - financial educator, advocate, and author of Mind Your Money. Yanely is on a mission to make financial literacy clear, compassionate, and actually useful, especially for communities that were never taught the rules of the game. We talk about money as a tool, not a measure of worth. About debt, credit, generational wealth, and unlearning the shame that keeps so many of us stuck. This conversation is about empowerment, access, and how understanding your money can be an act of self-respect and collective care.