Real $tories Episode 70: Connie Smith   

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Connie Smith’s journey with money began long before her first paycheck. Growing up in foster care, she didn’t have a built-in financial playbook—so when she bought her first home before age 20, rising mortgage rates quickly created challenges she wasn’t prepared for. 

Instead of giving up, Connie got curious. Determined to do things differently, she learned everything she could about personal finances and put this newfound knowledge into practice. 

Connie has always hustled when it comes to income opportunities, which has helped her achieve her financial goals. Today, she’s not only building a stable financial future for herself and her children; she’s also paying it forward as a foster parent, offering the kind of support she once needed. 

Her story is a powerful reminder: with knowledge, determination, and heart, financial wellness is possible—no matter where you start. 

Key Moments

2:28 Connie reflects on how growing up in foster care affected her relationship with money. 

4:02 She buys her first home as a 19-year-old and winds up in an adjustable-rate mortgage. 

6:43 Becoming a young mom gives her a new perspective on life and money. 

8:34 She feels defeated after her credit card debt starts to mount but eventually uses a credit counseling agency to address her debt. 

13:53 Connie approaches things differently the next time she buys a home. 

16:16 She speaks to the side hustles that have helped bridge the gaps in her budget. 

17:57 She offers advice to other entrepreneurs. 

22:35 She talks about how she plans to set herself up for her financial future, including the importance of a financial cushion in retirement. 

26:36 She gives some financial tips to parents. 

34:31 Our cohosts reflect on the themes from Connie’s story.