Joanne is the founder and principal financial healing coach at Financial Healing, the proud daughter of immigrant Pilipino parents, and a proud UCLA Bruin. Her family didn’t have a lot of financial resources growing up, but her scrappy parents somehow figured it out with four daughters. She had to teach herself about the fundamentals of this complex financial system, and not without expensive mistakes along the way – borrowing way too much in student loans, racking up credit card debt, and living beyond her means. She knows there could be more resources for families like hers who started with very little, so her mission is to change the world one budget at a time. She is an Accredited Financial Counselor & Educator (AFC®), Certified Financial Social Work Coach, and Profit First Coach.