Home ownership means that I have the opportunity to have choices. I can decide what is next in my life and in my future. I have a home that means a lot to me. It's a dream that I have. I want to do it. I was having a lot of problems with my apartment that I currently live in. I have a two-year-old and a eleven-year-old. I was just like, you know what? It's just time to see if I can go through the process of owning my own home. I am the Director of Development for St. Joseph Housing Initiative in St. Louis, Missouri. St. Joseph Housing Initiative's mission is twofold. We transform neighborhoods and we transform families by taking long, vacant and dilapidated properties, rehabbing them with top quality rehabs. We also have a pipeline of homeowners who come to us through our Homebuyer Readiness Academy. My name is Veronica Esmeralda Guerrero. My role is to be a lead financial coach. Cross-British connection is great because it actually gives an opportunity to most people who don't believe they could purchase a home. My family background is not good with money at all. Anytime I heard about money was because there was not enough for the rent. So I started to study a lot about credit. I was helping people pay off debt. Their credit reports go up. Seeing that change in people really inspired me to want to do this full time. My name is Will Holleman and I'm a sales director at Equifax. I want people to know when they walk away from one of our credit coaching sessions that they have the ability and know how to better their credit score and improve their financial situation. Financial inclusion means that the same information and education should be provided to absolutely everyone within the community, regardless of economic background or educational level, race, gender, ethnicity. We are a small nonprofit whose main job is to connect with people that are trying to reach a financial goal and try our best to help them reach it. It wasn't until I took the classes, is when I knew a little bit more about credit score and I realized, okay, this is a real thing, this is important. Credit education, I would say, is probably the most important thing that we do here. Making sure that people in our communities know how the system works really lets them be empowered. When I first walked in here, my score was like to me on the floor and she said, oh, this is nothing, we can do this and I'm like, really? And now that my score is going up, I'm like, oh, I can do this. Generation of wealth is very important to me and for that reason, I wanted to dedicate my income, my resources, everything that I had back to my community.