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This is NPR's Life Kit. I'm Shireen Marisol Maragi.

Do you remember how or when you first started learning about

money? Growing up, the money messaging in my home was this. Don't spend it. Save it because we don't have

much of it. But then, you know, we never talked about the mechanics of how

exactly to do all of that. Money expert and podcaster Jen Hemphill can relate. In the 70s and 80s,

in Colombia, the economy was not good. Seeing my parents struggle, I saw that early on. And when we moved to the

states, they started over. And there was always that saying, we don't have the money. We can't

afford it. So I was that kid. I didn't ask my parents for money because they had already told me

they didn't have it. Jen carried that we can't afford it attitude into her adult life until she recognized just

how much it was holding her and her family back.

I realized that we weren't making a lot of progress and it really led for my discovery of

how our upbringing shapes our views and our relationship

with money.

And that's really the whole focus of my podcast, Herding Edel Matters.

We really focus on our money stories and bringing to light how much of an impact that has on our relationship with money, which is so

important, especially with our kids, because our kids see and do everything that we do.

As a military spouse, a mom of two boys, and an accredited financial counselor, Jen has seen

it all, and she's here to help get the story straight when it comes

to your family's dinero. In this episode of Life Kit, we're talking about financial literacy

...