A Brown University graduate with over $21,000 in credit card debt—this isn't a cautionary tale about bad decisions, it's a story about a system that never taught her how money actually works. Yanelli, known as Miss Be Helpful, grew up in a low-income household where financial education didn't exist, and college only deepened the gap. One pivotal moment forced her to choose: keep swiping or break the generational cycle of poverty that had defined her family. She chose the latter, transforming her relationship with money and dedicating her career to ensuring no student graduates without these critical skills. Introduction of Yanelli [00:02:23] Background on Yanelli's upbringing and her current work with NextGen Personal Finance Facing Credit Card Debt [00:09:03] Started with a $1,500 limit at age 18, accumulated approximately $20,000 by graduation Hid the debt from her family due to cultural shame around financial struggles Cultural Challenges in Financial Literacy [00:12:09] Culture shock at an elite university without prior financial knowledge Systemic lack of financial education affecting low-income students Breaking the Cycle of Poverty [00:24:01] Recognized the generational pattern and chose to become an "agent of change" Adopted aggressive saving and debt repayment strategies The Role of Financial Education [00:48:14] Advocates for mandatory financial literacy programs in high schools Created Miss Be Helpful YouTube channel to share her journey and educate others Works with NextGen Personal Finance to promote widespread financial education Key Quotes "You have the power to choose between falling into debt or smashing it aggressively." [00:24:01] "Success often demands an extra level of grit and determination." [00:21:10] "Recognizing the generational cycle of poverty is the first step in breaking it." [00:23:00] "Using my platform to educate others is the ultimate goal." [00:48:14] "Investing is crucial for building the future my family never had." [00:44:50] Coast FI [00:43:36] A state where investments will grow enough to retire comfortably without needing additional contributions Related Resources The Millionaire Next Door [00:26:09] Previous ChooseFI episode: The Millionaire Next Door [00:26:09]