Sandra and John have struggled financially for their entire lives. But things got worse for them after they had a child. Without any savings, the medical bills from the birth buried them so deep that they couldn’t keep up with credit card bills or rent. And they depended on the local food bank and WIC to keep food in the fridge. That’s when they decided they needed help. They wanted to give their daughter something they never had — a role model for financial responsibility. So they got involved in a free financial literacy course taught by a nonprofit agency in their community and learned the skills they needed to get on their feet and stay there.