About the Author

Yanely Espinal

Born and raised by Dominican, immigrant parents in Brooklyn, Yanely is a proud product of NYC public schools. She graduated from Fiorello H. LaGuardia High School in 2007 before going on to receive her bachelor's degree at Brown University in 2011. As a Teach For America corps member, Yanely taught third and fourth grade in Canarsie, Brooklyn. She received her master's degree from Relay Graduate School of Education in 2013. She spends her spare time making YouTube videos about personal finance on her channel, MissBeHelpful. Yanely also loves to dance, sew, paint, listen to podcasts, and babysit her soon-to-be 7 nieces and nephews!

Author: Yanely Espinal

FinCap Friday: Protective Parents

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May 06, 2021
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FinCap Friday
Most people would agree that parents are responsible for taking care of their children in many different ways. Some examples include providing emotional support, ensuring physical wellness, and providing for them financially. But how old is too old to be receiving money from mom and dad? A recent survey shows that many older Americans are providing funds for their adult children even if it is to their own financial detriment. Find out what the survey reveals and more in this week's episode of...

FinCap Friday: Biases Behind Choices

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Apr 29, 2021
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FinCap Friday
As humans, we make lots of different judgments about things in life. For example, we may find ourselves judging others or new opportunities, maybe even government policies or the stock market. In a new report from BIA on generational differences in banking and financial beliefs or habits, we learn that the next generation to enter the workforce, Gen Z, may have a few biases that are held by many in the generation. Find out more in this week's episode of FinCap Friday:  If you're short on...

FinCap Friday: Guaranteed Access

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Apr 22, 2021
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FinCap Friday
April is recognized as Financial Literacy Awareness Month in America. News and media outlets tell stories and share data about the importance of financial education. But, most Americans have no idea what the state of financial education is today. Who has guaranteed access to financial education? Find out in this week's episode of FinCap Friday below: If you're short on time, try our simplified No Tech version containing embedded questions right in the slide deck! ----------------- Check out all...

FinCap Friday: Got Student Loans? You're Not Alone

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Apr 15, 2021
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FinCap Friday
Nowadays, many people use the phrase "student loan debt crisis" to describe the current situation regarding the amount of Americans with outstanding student loan debt and the ballooning amount owed in total. Tune into this week's episode of FinCap Friday below to find out exactly how many people carry student debt and what the total amount is as of early 2021. If you're short on time, try our simplified No Tech version containing embedded questions right in the slide deck!...

FinCap Friday: The Creator Economy

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Apr 08, 2021
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FinCap Friday
April 2021 brought big news from many new tech companies and some not-so-new ones too! The CEO of Patreon made a big announcement about raising venture capital and now it seems that everyone has their eyes on creators again. What are the ways creators can make money from their work? Will this be around as a viable work option far into the future or is it a simply fad of the newer generations? Explore these questions and more in this week's FinCap Friday episode below:  If you're short on...

FinCap Friday: Viral or Vicious?

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Apr 01, 2021
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FinCap Friday
With new social apps popping up, it's clear that social media isn't going anywhere. So, it makes sense why so many people have taken to social media to promote their brand or message, including financial influencers! The personal finance community on social media is quite large and while there are many who believe that this type of content is life-changing in a positive way, others think there are many negative aspects to financial advice on social media that cannot be overlooked. What are some...

Financial Education Bills In State Houses: Spring Ritual or Harbinger of Real Increases in Access To This Essential Course?

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Mar 29, 2021
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Advocacy
Interested in advocating for financial education? Here's what you can do now: Find your local high school on this Got FInance? map and advocate at the local school board. Over 1,400 schools have garnered enough grassroots support to make this happen!  Read the bill that has been introduced in your state legislature. Here's a complete list of the 25 states + District of Columbia that have legislation introduced.  Email your local state representatives and the bill sponsor to let them...

FinCap Friday: Early Payday

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Mar 25, 2021
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FinCap Friday
With the improvement and advancement of technology, more and more people expect to experience immediate gratification when making purchases. Now, this immediacy has expanded to receiving your paycheck from your employer. Many apps have become extremely popular during the pandemic, including early payday or advance payday apps. How do these apps work and why is this such a big deal? Find out about this, and more in this week's FinCap Friday episode:  If you're short on time, try our...

FinCap Friday: The Rise of NFTs

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Mar 18, 2021
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FinCap Friday
It seems that every news article and television news segment has been reporting about NFTs in the first few months of 2021! They're a relatively new asset that can be bought and sold digitally using blockchain technology, just like cryptocurrency. But the big difference is non-fungibility. What does this mean? Why is it such a big deal in the world of crypto? Find out about this and more in our latest FinCap Friday below: If you're short on time, try our simplified No-Tech option instead, which...

FinCap Friday: Level Up Your LinkedIn

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Mar 11, 2021
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FinCap Friday
In 2020, millions of Americans lost their jobs due to the pandemic and many took to a popular platform called LinkedIn to find new opportunities. In early 2021, LinkedIn announced a new service called "Marketplaces." However, this new service isn't the reason LinkedIn was all over headlines in early March. Tune into this week's episode of FinCap Friday below to find out why, and to learn a few tips for successfully creating a LinkedIn profile of your own.  If you're short on time, try our...

FinCap Friday: Women of the S&P

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Mar 04, 2021
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FinCap Friday
Throughout American history women have fought hard to have access to the same opportunities as men. This is true for many sectors of the workforce, but it is especially true in business and finance. This week, we kick off Women's History Month with an episode that dives into the history of women's roles as leaders in corporate America. Tune in to find out how many women have held the CEO title for a company in the S&P 500 throughout history, how many currently hold the title, and more in...

FinCap Friday: A Taxing Surprise

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Feb 25, 2021
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FinCap Friday
In early 2021, many Americans were surprised by their income tax returns. There are so many ways that people reached a point of frustration and confusing whether it is related to personal income taxes, business taxes, or investment taxes. In this episode of FinCap Friday, we take a look at some recent data about the tax situations of many Americans as the tax season progresses.  If you're short on time, try our simplified No-Tech option containing embedded questions right in the slide...

FinCap Friday: Terms of Use on the Loose

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Feb 18, 2021
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FinCap Friday
At the end of 2020, Instagram released updated terms of use for its users, but most people don't read through terms and conditions in general, llet alone when downloading or updating an app on their phone! This means that most people don't know what they agreed to because data shows most people agree to terms without reading through them. Why is this becoming a more serious concern over time? How can it affect people financially? Find out this and more in this week's FinCap Friday episode below:...

FinCap Friday: Minimum Wage is All the Rage

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Feb 11, 2021
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FinCap Friday
This week on FinCap Friday we examine arguments from both sides of a hot economic debate: Should the US federal minimum wage increase from $7.25 to $15 or not? It's important to consider that this debate is occurring in the middle of a pandemic when most American consumers and businesses alike are feeling pinched financially because of the impact of the current economic climate. What are the key arguments and who is most affected by this debate? Find out in the latest episode below:  If...

FinCap Friday: Are College Degrees Worth the Fees?

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Feb 04, 2021
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FinCap Friday
Life in the midst of a pandemic comes with a lot of uncertainty. Many current high school and college students are wondering if attaining a college degree is worth the price tag in a rapidly changing economy. 33% of prospective college students reported that they are reconsidering their decision as of December 2020. But what are some of the latest arguments for and against attaining a college degree in the 21st century? Find out in this week's FinCap Friday episode below: If you're short on...