If you’ve ever felt like you can’t relate to my Marvelous Money posts because I’m a weirdo who loves personal finance and you’re just an average millenial trying to keep it together, I’ve got a treat for you today! My younger sister, Kim, is one of you (ha!). John and I have had the chance to coach her on a few money things over the years, but her finances have still been a source of frustration for her. When she mentioned at Christmas that her church was holding a Financial Peace University soon and that she wanted to attend, John and I jumped at the chance to gift a seat to her and her boyfriend, Kyle. (Though we haven’t taken Dave Ramsey’s course, we have many friends who have, and know how lifechanging it can be.) My only condition? That Kim answer my questions for Em for Marvelous readers! :) Please welcome Kim, and get ready to be inspired! Tell us a little bit about yourself and your background with money. Hi, all! My name is Kim and I am Em’s younger sister. I am also a 28-year-old physical therapist who lives in Nashville, TN and got to attend Financial Peace University at the beginning of this year with my boyfriend, Kyle. Part of the reason I relocated to Nashville from Boston (where I went to grad school) was to get a jump on my student loans by taking advantage of a more competitive market and lower cost of living, while still being able to enjoy my 20s. While I don’t consider myself financially illiterate, prior to FPU, I had never made a budget or thought about how to appropriately allocate my money, and I only had an IRA because John and Emily told me to get one – and