Sep 15, 2022
FinCap Friday

Learn more about the FinCap Friday episode on 9/16/22 with Tim & Yanely!

Check out this 6-minute audio bite of Tim and Yanely chatting about this week's topic for FinCap Friday - Tune in here!


The quick discussion explores questions such as

1) Is Gen Z using credit cards for purchases? Why or why not?

2) How does inflation play a role in the changes in Gen Z behavior when it comes to credit?


3) How can young people today avoid credit mistakes that past generations have made?


Click here for the full episode called FinCap Friday: Gen Z Credit Frenzy.


About the Authors

Tim Ranzetta

Tim's saving habits started at seven when a neighbor with a broken hip gave him a dog walking job. Her recovery, which took almost a year, resulted in Tim getting to know the bank tellers quite well (and accumulating a savings account balance of over $300!). His recent entrepreneurial adventures have included driving a shredding truck, analyzing executive compensation packages for Fortune 500 companies and helping families make better college financing decisions. After volunteering in 2010 to create and teach a personal finance program at Eastside College Prep in East Palo Alto, Tim saw firsthand the impact of an engaging and activity-based curriculum, which inspired him to start a new non-profit, Next Gen Personal Finance.

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!

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