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: Who's Calling?

|
Nov 08, 2018
|
FinCap Fridays, Financial Scams, Identity Theft, Research
Have you noticed an increase in spam calls to your phone? We have too, which is why we decided to focus on it this week in our FinCap Friday segment. Not only are they annoying but they cost consumers billons every year. Yanely provides some sage advice on what to do when that spurious call comes in: ---------------------- Did you know that more than $100,000 in cash prizes are available through NGPF's PAYBACK Challenge? Read the details here but please hurry as the deadline is just days away!...

FinCap Friday: How To Get Extra Credit

|
Nov 01, 2018
|
Credit Scores, FinCap Fridays, Credit Reports
This week your students will learn about a significant change to the credit scoring system. How will UltraFICO open the door to more borrowers? Play this week's FinCap Friday and find out: ---------------------------- Looking for more FinCap Fridays to engage your students in the current events of the day? Here are the ten others!   ...

FinCap Friday: Who Wants To Be A Billionaire?

|
Oct 25, 2018
|
FinCap Fridays, Investing, Current Events, Index Funds
The lottery has captured the imagination of our country this week. Lots of daydreaming going on...what would I do with....? We know that only one person walked away with the $1.5+ billion prize in South Carolina (identity still unknown). What your students may not realize is that a lottery ticket is not the only way to become a millionaire. Yanely shares her tips on what it will take to be a millionaire by the age of 60 without having to invest in the next Apple or Tesla. Enjoy!...

PAYBACK Committee Created at City As School (New York City)

|
Oct 25, 2018
|
Paying for College, Schools In News, Teaching Strategies
During my visit to City As School in NYC last week, I discovered that an incredible group of teachers had come together to form the school’s very own “Payback Committee!” It was such a great idea - I knew I had to share it! With just 3 weeks left until the Payback Challenge submission deadline on November 14, 2018, 8 high school teachers at City As School sought to encourage more students to participate in our scholarship contest by sweetening the deal! They used school...

FinCap Friday: From Catalogs to Clicks

|
Oct 18, 2018
|
FinCap Fridays, Current Events, Behavioral Finance, Budgeting
This week's FinCap Friday tackles the changing retail environment. The big news of the week involves what was once one of America's largest retailers...yes before Wal-Mart and before Amazon this was the company where everyone shopped. Yanely leaves your students with some shopping tips in this new digital world. Without further adieu...From Catalogs to Clicks: -------------- This is the 10th in our FinCap Friday series, check out the others in our FinCap Friday library. ...

FinCap Friday: Playing With F.I.R.E.

|
Oct 11, 2018
|
FinCap Fridays, Retirement, Investing, Index Funds
How can you possibly engage high schoolers in a conversation about retirement? They haven't even gotten their first real job yet so it's not exactly on their radar screen. By highlighting the F.I.R.E. movement (that's Financial Independence, Retire Early) and the extreme examples of retirees in their 30s, we hope that gets your students thinking "How'd they do that?" That should spur a great conversation about savings rates and the importance of investing while you are young. ...

FinCap Friday: Human vs. Machine

|
Oct 04, 2018
|
FinCap Fridays, Career, Employment
Who hasn't seen a recent headline about artificial intelligence, robots and machine learning and how they are going to devour jobs. In this FinCap Friday, Yanely provides valuable tips to your students so they can position themselves well for the workplace of the future.  --------------- Looking for more FinCap Fridays? Check out our growing library of them here!  ...

FinCap Friday: Show Me the Money!

|
Sep 20, 2018
|
Paying for College, FinCap Fridays, Research, Current Events
It's that time of the year where seniors start to think more seriously about their post-high school plans. This week on FinCap Friday we focus on the question, "Is college really worth it?" In part one, Show Me the Money, of this two-part series, we analyze the research on the earnings potential of college graduates: New to NGPF's FinCap Friday? It's a fun way to engage your students with current events and includes: A five question Kahoot! A 90 second video providing details about the...

FinCap Friday: The Credit Deep Freeze

|
Sep 13, 2018
|
FinCap Fridays, Credit Reports, Current Events, Credit Scores, Policy
This week's FinCap Friday focuses on the one year anniversary of the great Equifax hack (not so great if you were one of its victims) and a new regulation to help protect the minors in your class:  New to NGPF's FinCap Friday? It's a fun way to engage your students with current events and includes: A five question Kahoot! A 90 second video providing details about the current event and explaining why it matters to students A discussion prompt Activity ideas to extend the learning...

FinCap Friday: Famous and Frugal

|
Sep 06, 2018
|
Budgeting, FinCap Fridays, Current Events, Savings
With the U.S. Open tennis tournament in full swing and the NFL season about to start, we thought students would enjoy learning about athletes and other celebrities who DO manage their money well. Learn more in the fourth installment of FinCap Friday, Famous and Frugal: New to NGPF's FinCap Friday? It's a fun way to engage your students with current events and includes: A five question Kahoot! A 90 second video providing details about the current event and explaining why it matters to students...

Activity idea: The Effect of Peer Pressure on Your College Finances

|
Sep 05, 2018
|
Behavioral Finance, Activities, Budgeting, Parent Conversations
During the college application process, students are told over and over again by family members and teachers that there are clear steps to follow: 1. Maintain a competitive GPA2. Take plenty of AP courses3. Score well on the SAT4. Partake in lots of extracurriculars It’s easy to see why so many students obsess over GPA, sign up for SAT prep courses, and take on extra AP classes during their junior and senior year. Perhaps it’s because money is such a taboo that students are rarely...

FinCap Friday: The Raging Bull

|
Aug 30, 2018
|
Investing, Question of the Day, FinCap Fridays, Stocks, Compound Interest, Current Events, Savings
We know your students have a fascination with the stock market. Use the market's recent record-breaking performance to start a discussion about the pros/cons of investing. Learn more in the third installment of FinCap Friday, The Raging Bull.  For a quick refresher, our FinCap Fridays include... A five question Kahoot! A 90 second video providing details about the current event and explaining why it matters to students A discussion prompt Activity ideas to extend the learning...

FinCap Friday Kahoot: Teen Job Trends

|
Aug 23, 2018
|
FinCap Fridays
We are back again with our weekly installment of FinCap [short for Financial Capability] Friday. As students return to the classroom after summer break, it's a great opportunity to have a conversation about summer jobs. So, this week's FinCap Friday (our second in the series) is focused on Teen Job Trends. For a quick refresher, our FinCap Fridays include... A five question Kahoot A 90 second video providing details about the current event and explaining why it matters to students A discussion...

FinCap Friday Kahoots Are Here!

|
Aug 16, 2018
|
Question of the Day, Identity Theft, FinCap Fridays
Just in time for the new school year, NGPF has something to energize your Friday classrooms and engage them through current events. This will replace our Friday Question of the Day and we are calling it FinCap Friday and here's the deets [FinCap being short for building Financial Capability!]: We pull a current event and create a five question Kahoot which will build your student's content knowledge on the topic. We look for current events that are not ephemeral but will continue to be...

Yanely Espinal: Why I'm Passionate About Personal Finance Education

|
Aug 16, 2018
|
Personal Finance, Financial Literacy, Advocacy
The NGPF Team is growing...Join me in welcoming Yanely Espinal who will be leading our efforts in New York City, the largest school district in America. She shares her passion for financial education below. Hear more about Yanely's inspiring journey in this NGPF podcast from March.   ------------- Last year, NGPF conducted a nationwide study of 13 million students across 11,000 high schools to find out how personal finance is being taught across America. The results showed that only 1...