Sep 27, 2019

NGPF Podcast: National Winners of NGPF's 2018 PAYBACK Challenge Essay Contest (Part 2)


In case you missed it, we launched the 2019 PAYBACK Challenge earlier this week with over $125,000 in scholarships available. Full details here and deadline is November 13, 2019 

To provide some inspiration for the 2019 contest, I found this unreleased podcast where you will hear from 6 of the 2018 National Winners. Just to reiterate these are last year's winners and we just opened the 2019 competition.

Each received $5,000 towards their educational expenses. Each shared what they learned from paying PAYBACK, how it has impacted their college plans. Some passionately described the importance taking a personal finance course. You will discover that this group's talents extend beyond putting pen to paper for their essays and includes strong public speaking skills too.

Here's Part 2 where you will hear from 6 of our National Winners. Enjoy!


  • 0:00~1:37 Introduction
  • 1:37~5:17 O.J., Winooski High School (Winooski, VT)
  • 5:17~6:25 Ashley Reynolds, Abilene High School (Abilene, KS)
  • 6:25~9:55 Elliot Kershaw, Wachusett Regional High School (Holden, MA)
  • 9:55~10:21 A word from NGPF
  • 10:21~15:19 Kylie Rouster, Silver Creek High School (Sellersburg, IN)
  • 15:19~17:13 Kaylynn Rawlins, Houston High School (Germantown, TN)
  • 17:13~22:20 Karessa Pitcher, Weber High School (Pleasant View, UT)
  • 22:20~23:11 Conclusion

Resources Mentioned:


Here's Part 1 where you can hear from the other National Winners. 

About the Author

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.

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