Hello there — I’m Penny. I help young people explore how money really works, not just how to count it. I’ve had a few careers — consultant, product manager, business owner — and each one taught me something new about choices, challenges, and confidence. Now, I volunteer at the youth club to share what I’ve learned. I don’t hand out quick fixes; I ask the questions that help you find your own answers. Because learning about money isn’t just about numbers — it’s about who you want to become.