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I want to start this episode by saying, we have all made financial mistakes.

Janelli Espinal is a financial educator.

She works at a nonprofit called NextGen Personal Finance, which is on a mission to try to get every single high school student in America,

guaranteed access to a semester course about personal finance and financial literacy.

Ten years ago, she was deep in credit card debt and counting down the days until she was going to pay it off.

In October of 2015, I was going to make my last credit card payment.

...