Bio: I'm an Accredited Financial Counselor (AFC (R)) with over 15 years experience in Collections, Bankruptcy, Fraud, and Financial Counseling. I am also a PhD student in Kansas State University's Personal Financial Planning Program. I enjoy working with people one-on-one to provide Financial Wellness Coaching, as well as instructing in a group setting. I am working on developing an Integrated Money Planning and Cash Training (IMPaCT) curriculum to train others how to effectively utilize their on hand (income) resources. I believe there is a time and a place for credit, but too many people rely on it and shadow their true Financial Reality.