Hi, I'm Sophia.
I built YMC because I needed it first. Now let's figure out your money situation without the shame and heaviness, shall we?
How one Thanksgiving changed everything.
Being born in the late 1900s means I've lived in two very different worlds. I remember life before social media, iPhones, and ChatGPT, and now all of those things are part of everyday life.
We were raised to dream big, but a lot of us also carry a low hum of anxiety about the future, especially when it comes to money.
One Thanksgiving, I was talking with my cousin, a senior in high school about to step into that same world. She'd taken the classes. She knew the vocabulary. But knowing and feeling ready are two very different things. I recognized that feeling immediately.
So I made her a workbook. At the top I wrote, "Made by your millennial cousin, Sophia." And that's how YMC was born.
An educator, not a financial advisor.
I started in the classroom through Teach For America and spent nearly a decade in education: a middle school teacher, a special education coordinator, an assistant dean, and a college director. I hold a master's from the Harvard Graduate School of Education, not in finance, but in how people learn.
I've built individualized learning plans and whole curricula, and no matter the title, my work has always been about meeting people where they are and helping them thrive.
My grad school's motto was "Learn to Change the World."
I took it to heart, just a little closer to home. My whole mission is helping you build the confidence to change yours, one money decision at a time.