My personal experiences with finances and financial education have not always been easy—but they’ve definitely taught me a lot. I started attending a private school in 5th grade, completely unaware of how much of a financial burden it was on my mom, especially since she was raising me on her own. I’m endlessly grateful that she tried shielding me from these worries. At that age, I didn’t think about tuition, bills, or budgeting—I just assumed everything was taken care of. Now that I’m older, I realize how much my mom sacrificed behind the scenes to make sure I had access to better opportunities, and I’m truly grateful for that.
Looking back, I wish I had been more aware of our financial situation earlier on. Not so I could carry the burden, but so I could have developed a deeper appreciation for the value of money and hard work. I used to see money as something that just existed, not something people had to work tirelessly for. Over time, I began to connect the dots and understand the impact of financial choices, how income affects quality of life, and how budgeting and planning play major roles in stability. These realizations didn’t come from education, but from real-life experiences and watching my mom handle everything with strength.
Unfortunately, financial education hasn’t been a strong part of my school experience. Most of what I’ve learned has come from asking questions, doing my own studying, or from family members who’ve shared their experiences. I believe financial literacy is something that should be taught early and consistently in school. Understanding credit, taxes, loans, savings, and investments is essential—especially as we get closer to adulthood and start making decisions that affect our futures.
Looking ahead, I want to use what I’ve learned to create a more stable and smart future for myself. I hope to be financially independent, stay out of debt, and make good choices with my money. One day, I also want to give back to my mom for everything she’s done for me. Most of all, I want to break the cycle of financial instability by being prepared and responsible. Even though my experiences haven’t always been easy, they’ve taught me to value hard work, being thankful, and understanding how money works.
I plan to keep learning more about saving, budgeting, and investing so I can build a future where I don’t have to constantly worry about money, as well as creating generational wealth for years to come in the future. I also hope to share what I learn with others in my family or community who might not have had the chance to learn about finances growing up. I know that even small steps can lead to big changes over time.