College is a time when young adults are faced with real money management for the first time in their lives. They’re trying to pay rent, pay bills, buy books and have some fun a long the way. Debt can pile up quickly. Such was the case for Steven Hughes, the interview subject for this episode. After signing up for multiple credit cards from on campus lenders he found himself in a debt hole he thought he would never get out of. In this episode you’ll hear Steven’s story on how he climbed his way out of debt and eventually founded Know Money, a financial education company. Steven founded Know Money to help millennial’s avoid the same money mistakes he made and to help young adults talk, think and interact with money differently. He’s a nationally Certified Financial Education Instructor and manages all of the programs for the Know Money team. Highlights: Financial mistakes in college Predatory lending on college campuses Side gigs for young adults Salary expectation vs. salary reality for new graduates The transferrable skills from a job in sales The new reality of the gig economy Delayed gratification Having a “Why” Action cures all Key Takeaway: Figure out where your money is going each month and educate yourself about how credit works. When you have questions, don’t be afraid to reach out for help. Paychecks & Balances Website: https://paychecksandbalances.com/ https://www.patreon.com/paybalances Instagram: @paybalances Facebook: https://www.facebook.com/paychecksandbalances Twitter: @paybalances   Know Money Website: http://knowmoney.org/ Facebook: https://www.facebook.com/KnowMoneyInc/ Instagram: https://www.instagram.com/knowmoneyinc/ YouTube: https://www.youtube.com/channel/UCcVcV6jh1DHH5uDRIxYHGCA