Monso Business Banking. It just works. So you can too. Join businesses like Target

to Wishing by opening a Monso Business account.

What I love about Monso Business account is how easy everything is. It can be filtered,

it can be tagged. We thought we'd have to manage our business around our banks, but that's

not the case for Monso.

My name is Shun. I am the Founder of Target Trition.

Apply in minutes at Monso.com slash business. To apply you must be a sole trader or director

of a limited company, UK Business is only, terms and conditions apply.

I'm Nicole Lapin, the only financial expert you don't need a dictionary to understand.

It's time for some money rehab.

What are some things you hate? Does filling out forms and spam emails make the list? What

about things you like? Does stories about scammers make the nice list?

Love it or hate it. I have got a story that has got it all.

It starts with a young woman named Charlie Javis. Charlie grew up in Westchester, New York.

She went to private school, rode horses, and her dad was a hedge fund manager whose resume

included places like Goldman Sachs.

Now I'm not just telling you all of this as background info, although it works as that

too. I'm telling you this because it makes what happened with Charlie even more mind-blowing.

Charlie would go on to found a business called Frank, as in Frank, like Honest. And she

would tell her origin story like this. When she went to college and was applying for financial

aid, she and her parents really struggled with the forms. Her mother ended up in tears

on the phone with Wharton over Charlie's financial aid.

...