Kim is the owner of Changework Financial Coaching. Her journey began at age 16 when she fell for the allure of credit with her first credit card. By her late 20s, as a single mom with over $40,000 of debt, she filed for bankruptcy, but instantly fell back into the same cycle of credit cards and debt. Change only came in February 2018 when she took control, conquered her consumer debt, and paid off two mortgages. Now, as a certified financial coach, she helps others achieve their financial dreams!