Tori Dunlap & The Importance of Financial Literacy for Women

We’re diving into the all-important topic of financial literacy for women and why it’s time to shift our mindsets around money to use it as a tool for empowerment. Drawing inspiration from Tori Dunlap and her push for financial education, we explore everything from building savings and investing wisely to understanding how politics impact women’s financial stability. Packed with practical advice and resources, this episode is all about helping women take control of their finances, tackle economic challenges, and feel confident navigating the money game.

Time Stamps:

00:35 Empowerment Through Financial Literacy

01:26 Tori Dunlap's Financial Advocacy

07:10 Navigating Political and Financial Changes

18:03 Practical Steps to Financial Stability

26:41 Empowering Women to Make More Money

32:10 Conclusion: Taking Control of Your Finances

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Transcript

Episode 067: Tori Dunlap
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Joanna Newton: [00:00:00] And I think we have so many like mindset issues ~when we, ~when it comes to money. We look at if I'm not making X salary, I'm not doing well. So we look down upon ourselves or I've spent too much money on Y, like what does that look like? And we put too much emotional attachment and shame towards it, where if we can say, Oh, Money is a tool.

It's something I have access to. Let me see how I manage it better.



Joanna Newton: Welcome back to Her First. We're excited to have a conversation today. All about money and why it gives you power. Now, some of you, after the results of the election might be feeling anxious or worried about ~what's to come and ~what's to come, especially for women in America. There's a lot of discussion about, you know, what sort of rights may or may not be taken [00:01:00] away specifically for women, but also.

Worries about what's going to happen to health care and taxes and, you know, support from our education system, all sorts of things are kind of coming up right now and we have some choices, right? We can get nervous, we can get worried, we can bury our heads in the sand and ignore it all, or we can take actions that are going to set us up to be successful.

Tori Dunlap, ~The founder of her first 100 K. I got confused for a second because our podcast name, she's ~the founder of her first 100 K. ~She ~She came out and made a really great statement that I thought was really important post election. She's been talking a lot about how it's really important for women.

In this sort of political shift in what could be happening under the Trump administration to become very financially literate and that our financial education ~as women, ~as women is pivotal to us being able to navigate the possibility of what's to come. And I love that statement because it's so easy to get worried or [00:02:00] anxious or ~You know, ~feel like you've lost some control, but focusing on a financial education, focusing on shoring up your finances can give us a really, really great standing as politics, as administration, as laws change.

Having a great financial foundation can keep us. not immune to those changes, but less affected by those outward changes. If our own financial house is in order, if you haven't heard about Tori Dunlap, you should go check her out. She has a podcast. She's on social media. She wrote ~a New York best, ~a New York times bestseller, but she's all about teaching women about financial education about investment in a way that makes sense for investing.

She was in a job ~that she had ~that she hated and was actually able to quit that job on a whim because she had invested money and had cash in the bank that she could rely on. She ~just. ~is so passionate [00:03:00] about making it clear to women that when you have a strong financial background, when you have savings, when you have investment, it gives you the power to leave bad relationships, ~lead ~toxic jobs, and really have freedom and autonomy when your financial situation is covered.

She has memberships, books, all kinds of things that you can use to better. Understand finances and your financial situation. One of the things that she talks about a lot, which I think is funny is. one of the reasons she does what she does for women is a lot of times when typical traditional financial people and budgeters talk about spending, they put a lot of the things women love in the frivolous spending category, like hair and makeup and different treatments or whatever it is you do, that's frivolous spending, but they never put in items like, Sports teams and going to [00:04:00] games and golfing never end up falling under that spending category.

So she's really just trying to change and I think has changed the conversation around spending and budgeting and putting women at the center.

Michelle Pualani: I love Tori's work. She got really popular during COVID leveraging TikTok and she came out with a really beautiful social media strategy to entice other women who haven't maybe been exposed to financial literacy and get them on board with how empowering it can be, how sexy it can be and how Kind of off the beaten path or a little alternative or non traditional as Joanna's mentioning because so much of our financial literacy that's been Drilled into us is how can you budget more?

How can you spend less on lattes and going out or the things that you actually love and want to indulge in? Don't get your nails done. Don't buy that second [00:05:00] cocktail like always All of the things that we probably love about life and the way in which we want to indulge or experience is what you should be limiting instead of how can you make more money. And I truly believe now this hasn't always been my relationship with money. I've spent a lot of time, energy and effort and resources on renegotiating my relationship with money, reaffirming my relationship with money and improving it because I grew up with it. In a very poor household. I grew up with my, both of my parents in tons of debt and really grew up with that kind of like frugal penny pinching lack mindset.

And that has had to shift in a huge way over the past few years as an adult in our economy today, things are not the same from when we were kids and what our parents went through and the way that they live their lives. Like things were so much more manageable from a financial perspective. Things have.

exponentially gone up in expense and cost and income has not, [00:06:00] it has not been a scalable, equitable thing as we've evolved over the years. So Tori's story and narrative is all about how as women can we be empowered to not just take control of our finances, but how can we make more money so that we have more power so that we have more say and more autonomy.

When you think about how you live in your life, rent, food, expenses, business, all of the things that you Want to do would like to do travel those all take money They take some type of exchange and when you have the power to make decisions about how you manage your health Where you invest your donations with non profits that you care about where you're putting your money when it comes to politics and change and advocacy Money is power in so many ways, and it was as women, the more that we can learn that and the more that we can become not just financially literate, but [00:07:00] also really incredibly successful at bringing in a great income, the more we'll be able to do and enact change and move forward the values that we care about. 

Joanna Newton: And the reason I think this is extra important right now is that potentially the change of different laws and regulations and things affect us and in some cases affect women more than men. I mean, traditionally, we've talked on this podcast about how late it was women could have credit cards and how late it was people could women could sign up for business loans.

Like we are in some ways at a disadvantage in terms of access to finances and capital. The gender wage gap is real. We make less to the dollar than men. Like there are real things that affect women. And then when you look at some potential things that are coming down the pipeline, one example of this is in Texas, they're changing some of the regulations around divorce that will basically [00:08:00] prevent women from being able to have access to finances if they didn't have a job. They won't really be able to get, alimony after divorce if they leave their husband.

So if they chose to be a stay at home mom and weren't making income. during their marriage and end up getting a divorce. They're essentially screwed financially. They're also looking at requiring like you have to stay married for a year and all of these things that are going to keep, potentially keep marriages together.

And in some cases it might be a good thing, but as a woman, if you're losing access to ability to Create your own livelihood. You're going to be more likely to be stuck in a marriage that is not good for you. And so having money and having resources will put you in a position where you can make choices, where you can own your life, where you're again, not getting stuck in either a marriage or even a job, right?

A job you hate because you don't have access to your own money and your own [00:09:00] finances.

Michelle Pualani: It does. It puts us at a disadvantage. And so if we are going to in our lives, take on opportunities as business owners, coaches, creators, we need to figure out a way in which we can rely on ourselves and then create the things that we want. To see, right? I mean, we're talking about some of the political implications of what just happened in terms of our election and the direction that things are going to head.

And whereas we might not have the millions or billions in order to put toward that change just yet with money comes the ability to Make those decisions in the future or to invest in things or even just protect yourself. Like you don't have to necessarily think of your impact financially in terms of how it's going to change the world or change our nation and help and support others, which is admirable and great, but how is it going to protect you?

You know, if we are seeing abortion bans in certain areas, how can you. Travel, how [00:10:00] can you support someone else to travel? There are opportunities to kind of get around it. Is it great? No, but sometimes circumstances are what they are and we want to be able to enable ourselves to move differently. And how can we benefit and how can we succeed and how can we. Take a stand and have a voice. And we talk a lot about on this podcast about traffic and community building and audiences and how you're engaging them and what sort of mission vision you're creating for your business as you move forward. And what values are you instilling in the people around you? And you've got to make money in your business.

You've got to Invest money in order to grow in order to scale. And so money is really a tool for you to get comfortable with so that you can leverage, not just for power, but for attention, for voice, for whatever it is that you want to indulge in, you know, luxury and living that life. Because when you live a more positive life, ripple effect that creates better [00:11:00] lives for others as well. 

Joanna Newton: Yeah. And being aware of The political climate regulations changing is really, really important for your financial stability. And let's take ~away like taking ~away what's good or bad, what's right or wrong for a second. There's a reality that as a business owner, you have to learn how to work within the laws and regulations that exist to do your best.

So, you know, when you talk about. possibility of tariffs, right? Like that's a thing that could be coming down the pipeline. You need to know for your business, how that's going to affect or potentially affect your products. If you're making physical products and you have something you import, that's a part of what you do.

Your business may be affected and maybe you need to start sourcing ~Other ~other partners to help with your product or things like that, but you need to be aware whether [00:12:00] you agree, you can sit and say, I disagree. I don't think we should do this or I agree. I think we should do this if it happens. It affects you and being aware of how to navigate that is so important for you financially.

Because a lot of times when there's political shifts, you can actually get really good opportunities. investment opportunities can happen. bunch of people's stock just went up Elon Musk's oddly enough, right? Like went up. If you had been paying attention and you went and invested, all of your stocks could have gone up.

Right. And you, you have that investment. So paying attention ~and, ~and not looking at everything. So like emotionally, right. I'm like, this is bad. This is good. I'm worried. I need to move to Canada. actually trying to look at it objectively of what's changing, how it affects your business and how, maybe you can even help your business grow because of some of these changes.

~Like, ~it's just so important to look at that. And I think as women. We [00:13:00] aren't conditioned in the same way as men to look for those growth opportunities. 

Michelle Pualani: Absolutely. We weren't really taught that that is how you do it. I mean, ~I, again, ~I am not the best person to advise you when it comes to financial literacy because I have messed up my finances in a big way over the past 10 years of my life. I wasn't taught. those things when I was younger. And it's no excuse as an adult, but it's understanding that and then realizing, Oh, I should probably read some books.

I should probably listen to some podcasts. I should probably take some courses. I should probably better understand what it means to have these investments and what that looks like for my future. And I'm just starting to learn that as an adult, which is sad, ~but You know, ~but here we are, and that,~ that, ~that just happens to be the case, and that might be your case, is that you maybe put your head in the sand for a little while, maybe you thought that it would kind of magically take care of itself, maybe you didn't have the resources and the education, the tools, the mentorship, in order to a stable, not just income, [00:14:00] but financial life for yourself and what that looks like for your future and stability and relationships and business and fun and all of the things that come as a result of financial success to some degree.

So it's okay to recognize that you've had that challenge in the past. And it's okay to say, I'm going to do it differently now and I'm going to learn as I go. And I think that we have been intimidated and it's just such a social, cultural narrative that women don't understand finances, ~like, which is, ~Wild, actually, because if you look at the data, women actually run household expenses and manage finances better than men. But the story is if you ask women a lot of times, it's like, Oh, I'm not good with money. Oh, I can't think about our investment strategy. Oh, I can't do that. And it really is like, it's an oppressive tactic.

It's meant to keep people down. It's meant to keep women in their place. ~It's. ~It's meant and designed in a way that is [00:15:00] limiting for women so that they don't have as much control, so that they don't have as much power, so that they don't have as much say. ~It's just, that's. ~if you look at history of the U.

S., that is how things have been done. And I love that we're starting to see really influential people, incredibly successful. Like Gomez. Swift, like all of these really strong women who have very successfully reached the billion dollar mark within their businesses and the scope of what they do. And I don't think any of them really like talk about financial literacy or awareness or

Joanna Newton: have it, though.

Michelle Pualani: money. But they demonstrate it, right? They demonstrate it in their daily lives and how they show up. I think that there is a big shift in the change in ~women, ~women being able to sit in places of power and to have a voice and to have a say and to use their money. In ways that affect change. So I think that's all a positive thing, but ultimately we have to decide for ourselves and really [00:16:00] understand like, what is my relationship with money? What is my story? where am I at when it comes to financial literacy? What do I need to learn in order to change it? And then get away from the emotion related to it.

Like you're not dumb. ~You're not like, ~don't be embarrassed. Don't feel guilty. Don't feel. know, all of those emotions that kind of come up around money that can be challenging. Like we don't talk about money, it's very hush hush. I don't get to share what I make, ~like ~We have to dispel a lot of those narratives and a lot of those beliefs because they're just beliefs about ourselves and about money and our relationship to them change that narrative and say money is a tool.

I have access to money. I get to decide where my money goes. I can bring my money in from these places. This is my income. I can expend my money in these ways. And I get to dictate and decide and control what that looks like. And that's when we're going to start to see a change. And that's where I feel like we need to take the initiative upon ourselves to not listen to the external narrative and [00:17:00] stories that are happening out there in the world. And then. You know, empower and decide for ourselves how we show up in relation to our money. 

Joanna Newton: Yeah, and I'm definitely with you, Michelle. Like, I feel like my financial literacy is not where it should be. making sure we understand things, we're doing the right things, ~we're ~We're going through that process, but I think it's so important to get rid of any sort of guilt or shame with that concept and say, okay, what can I start doing now?

What's my first step? What's my second step? And I'm, currently actively you know, trying to fix some of the ways of how I have my business and my money coming in and out, like set up to, Optimize for what's going to work best for me, right? And understanding like there's so many things that I spend money on that I should be writing off.

But I need to be set up properly to do that. And I'm, working my way towards that. So that way. You know, it's not perfect now. I've made some mistakes, and I'm figuring out a way to [00:18:00] turn the ship. And I'm gonna do it one step at a time. One of the things that, Tori talks about that I think is really important is really building an emergency fund.

lots of people talk differently about how ~to make if you're trying ~to shore up your personal financial situation, like whether you pay off debt or ~whether ~what you do ~with how you ~get set up for better financial success. And one of the things that Tori talks about that's a little bit differently is like ~your first, I don't know if it's your first step, but ~in her steps ~is ~before paying off all of your major debt, getting two to three months of your expenses, not like.

your full expenses, but like two to three months of your ~like ~living expenses, rent, insurance, groceries, like the basic things that you need to live in an emergency fund before really doubling down and focusing on attacking debt or attacking investments. And the reason for that is if you have three months of expenses, Saved away.

That does put you in a position [00:19:00] where if you were in a toxic job with a bad boss, you could walk away because you have three months of like, you can find a job in three months. If you were in a toxic relationship where you were kind of codependent on each other for expenses, you could walk away. Three months of expenses gives you options.

and choices and ways to move around. If there is an emergency, you can use that money. If your emergency fund is only 1, and you start focusing on paying off your debts, when there's an emergency, you're just going to ~go. ~Go into more debt, that's not going to help you. And so just really thinking intelligently and wisely.

If you're looking for a place to start, I definitely recommend picking up ~her book. I read ~her book. I thought it was fantastic. It's called the financial feminist. That would be a great place. it's very high level. It's very nonjudgmental. It's very much like a great place to start in just getting yourself [00:20:00] set up for success financially. 

Michelle Pualani: And I love that it takes the stance of feminism because kind of like we talk about on this podcast, ~kind of like we've been having this conversation today, ~it is non traditional and it is about empowering and choosing the rights of women because our rights have not had access ~to ~To finances in the past, we have had to pave a path for that.

You know, we've talked about the banking, the lending, the ability to build your business and open a bank account in the first place. Like that wasn't that long ago that we couldn't. And so there are certain limitations that have been put on us that we're still trying to evolve out ~of. ~of the stories and the narratives and what you're told in terms of women not being good with money is part of that.

And we have to change and shift and evolve away from it. So the feminism aspect ~is it, ~is that you're really choosing to empower the rights of women, empower the rights of yourself, empower your own ability to not just understand finances, but them into [00:21:00] your place of power. We have a couple episodes on personal power and part of that is reclaiming your finances.

That's what I feel like I'm going through right now in terms of the process. I come from a huge lack mentality, again, massive amounts of debt within our family I didn't grow up in like a normal, I didn't have normal corporate jobs. I don't have a Roth IRA. I don't have a 401k. I don't have any investments in my future. And I have had to, I started learning about financial literacy and being, becoming more financially aware with Ramit Sethi's book, I will teach you to be rich. And that was like my first introduction and foray to really even just knowing that options were out there, you know, understanding your options. Asking questions, starting to learn more. And Tori is a really great resource and being able to tools, again, books to understand what is wealth, what is building wealth? Because ultimately you want your money to work for you. And what does that look like? If you're making a good [00:22:00] income, if you have your business, you're growing, it's successful. How do you invest that capital so that you continue to grow your wealth? And you continue to expand so that at some point you're not always trading your time for money. there's just so many directions you can go with it, but it is simple. Like the other thing I want to impart is that so often we get into the overcomplications and the complexities, and that can feel really overwhelming.

But, Steps can be really simple. So taking one at a time and looking at, okay, what is the one thing that I can start with and how can I manage that? You know, simple again, I have absolutely no advice when it comes to investment strategy, but like looking at something like the S and P 500, as opposed to individual stocks is a perfect example of how the stock market can be incredibly complex, but if you're.

investing in groups of stocks that have been successful in the past. Like it's an easy, no brainer thing to just get started [00:23:00] with and get some advisement. just finding what's right for you, finding the tools, the resources, asking the questions and knowing that you can take it one step at a time and little by little start to just better understand where you stand and what that means for your life and feel more empowered with it.

Like. Manifestation, babe, Catherine's and Kina talks about, you know, a lot of manifestation and money and your relationship with money and of that. And one of the things that she suggests that I have always really loved is like setting up a date with your money to look at your finances, look at your investments and kind of see where things are. Turn on some music, pour yourself a glass of something you like, light some candles, and just kind of change that relationship. Because so often we avoid, we procrastinate, we put off, or we don't change or adjust or acknowledge those things that we feel uncomfortable with. And so if it's an emotional attachment of like, ick, or I don't want to do that.

Or this feels. boring even, then you're going to avoid it and it's not going to be helpful or [00:24:00] successful to your future. But if you change that story, if you change that relationship and that belief system to be, this is something that I look forward to. I enjoy this process. It's you know, intimate and I'm supporting my relationship with money, then that can really change the way that you choose to look at. The empowerment aspect, the taking back control, and the way that you feel about addressing your financial literacy and awareness. 

Joanna Newton: And I think we have so many like mindset issues ~when we, ~when it comes to money. We look at if I'm not making X salary, I'm not doing well. So we look down upon ourselves or I've spent too much money on Y, like what does that look like? And we put too much emotional attachment and shame towards it, where if we can say, Oh, Money is a tool.

It's something I have access to. Let me see how I manage it better. Same with like time, right? We can do the same thing with our time. We can feel guilty or we can say, look, I have 24 hours in a day. What's the [00:25:00] best way for me to use the 24 hours that I have? And when you look at, taking millionaires and billionaires and like, you know, super wealthy people out of the mix here.

regular everyday people with money, there are people who make 50, 000 a year. there are people that make a hundred thousand dollars a year and seem poor you really can be smart and wise with your decisions ~that are, that are, ~that will drive you to success and stability and happiness.

And I love that idea of right, Make a date with your money. Understand where it's going, what it's doing. I am very good. About doing this for my business and not as good at doing it for myself. So when I look at our business finances, I look at them every day. I look at profit margins of different projects.

I make sure I make adjustments and say like, let's focus on the things that have the best profit margins in value. Let's cut. The expenses we don't [00:26:00] need. And if I could take that same approach to my ~like ~life, I know my life finances would ~be ~be much better. But But that is like something ~I'm, ~I'm not going to feel guilt or shame about.

I'm actively working on it. ~Like you, ~like you, Michelle, too. I think we're on this journey together. ~Like ~Looking at it, making the right decisions, and I'm going to be different as I go forward and get smarter and smarter at it as I go. So I think there's this whole financial literacy piece like understanding learning.

Michelle and I are not your resources. We've mentioned other resources that you can look to for that help, but the point of this conversation is you should do it. I think on the flip side, this is probably something Michelle and I are more experts on is as a woman. Making more money is going to help you out, right?

Like figuring out how to increase your income, make more money ~and, and, ~and grow your income that way. That's another way to make it make sense. I remember at one point in a corporate job, when I first started like budgeting and like [00:27:00] doing the math and I was not making a lot of money, trying to figure out how to make everything work.

And I was looking at that number and I was like, it is not possible to make this work. there is a salary rate that you can say, okay, I actually can't do all the things that I need to do with this money. Like I can't do it. There's been a lot of studies that have done that like as people make more money, they just spend more and more. they don't make smart decisions. So like, as you make money, you need to make sure you're not just allowing your expenses to balloon and expand unnecessarily with that. And making sure you're making like smart choices with your finances, but In that same breath, if you're struggling with money, yes, learn financial literacy, but make a plan to make more money.

And that could look like a lot of things. One of those things is negotiating salaries. If you're in a corporate job, making sure you're negotiating your salaries, asking for raises, looking for ways to make bonuses and things like that. If you're a coach course [00:28:00] creator consultant, figuring out how to get your package rates better, more efficient, more money.

That's a way to go in, in the world.~ ~

Michelle Pualani: ~I'm do that again. ~There's a lot of opportunity to improve upon our wealth as individuals, as a group, as female identified people, as a community, as coaches, creators. There's a lot that we talk about on this podcast that has to do with. Sales and selling yourself and putting yourself out there and believing that you're worthy of the sale and that your services are of value and that your products are of value and pushing that. And it takes time and it takes energy and it takes focus, but it's so important that you do that. There's a book series. I think the author is Jen something I forget off the top of my head, but it's, you're a badass. And it's like, you're a badass at making money.

You're a badass at, and like fill in the blank. ~And I think there's just like a, you're a badass, but it's a whole series. ~And she had difficulty with making money in her earlier years as an adult. And over time, she just came to realize, she's like, Well, I'm a good [00:29:00] person. I want to do good things with money and the more good people make money, the better the world will be. So it's important that we as individuals, if you identify and acknowledge yourself as a good person who has a compassionate heart, that wants to show up for other people that wants to do good in this world, who wants to give back to nonprofits, who wants to change things for the better for our people, our planet. And what we're doing here. Then we need to make more money and you need to make more money. And so it~ it becomes being about, ~it becomes being okay with making money and identifying and acknowledging, like, it's okay that I want to make millions of dollars. It's okay that I want to have financial success. It's okay if I want to make a hundred thousand dollars and be happy on that. Or it's okay if I want to make X I know how to budget that. And I know how to keep my expenses under what I'm spending. I mean, it's just as simple as weight loss, I know that there's more to it, calories in calories out, but at the end of the day, it can be that simple in terms of calories in calories out money in money out. Things are simple when we can. drill them [00:30:00] down and look at it from that perspective. And then you can add on the complexities, right? There's different types of exercise. There are different types of food. It's your sleep. It's your hormones. There are a lot of things that go on top with money. That's bonds and 401k and stocks and investing in businesses and all of the other things that come along with that. But it can be simple in terms of just getting started. So it's about empowering yourself, making the choice, identifying and acknowledging where you are. Have you looked at your finances in a while? Do you look at them consistently? Do you know where your money is going? Do you understand, you know, we've talked about this from a business perspective, especially with like cleaning clutter, there could be subscriptions that you're paying for that you're not even using anymore, getting rid of some of those things. So it doesn't have to be an emotional. Frustrating experience to look at. It can just be something as simple as looking at it, getting the details, doing the math, and also pointing out the fact that we encourage an emotional response and [00:31:00] reaction to life. And we get to feel, and we get to embody, and we get to be in that authentic voice when it comes to our emotions and feeling our emotions. But we tend to apply emotions where they're not necessarily relevant and finances, business outcomes. metrics, numbers, oftentimes is where we do that. And so emotionally in your head, you're going to think to yourself, like, I can't handle this, or I am embarrassed or ashamed of not dealing with this sooner, or I'm not getting the numbers and the metrics that I want.

We tend to project those emotions onto things that don't need emotions. So Get out into the world, live your life, feel your emotions, feel sadness, feel anger, feel grief, feel excitement, fun, happiness, know when to separate out the emotions from those things that are more rational, logical, numbers based, and set that boundary. 

Joanna Newton: Such good points. I'm inspired. I have to go look at my finances now. My personal finances, [00:32:00] my business finances are good. I know exactly how much I'm spending this month. My goal of how much more we need to make, what's coming in, like so good. I need to do that in my personal life as well. ~You know, and I think So ~realizing that money can give you power doesn't have to be emotional, doesn't have to be shame filled.

And if you're someone who right now is, again, like we've talked about in the beginning, feeling anxious, feeling worried about what's to come, focusing on finances. Taking those steps in the right direction, thinking about how you can make more money. These are amazing things that you can be doing over the next four years to keep yourself ahead of the game as a woman in the potential political climate that we're going to be seeing.

So I really encourage our listeners and, you know, we'll probably be talking a lot about this over the next, you know, year, four years as things change. But to not live in fear, not live anxiety, not live in [00:33:00] shame, not live in worry about what's to come, but just to educate yourself and figure out how to get yourself in the next best place for you.

Well, thanks so much for tuning in. We hope that you catch us next time and also share this episode with a friend who you think might benefit from learning a little bit more about financial literacy.