Meet the Cousin
Hi, I’m Sophia—Your Millennial Cousin
I built YMC because I needed it first. Now I'm here to help you figure out money — no judgment, no jargon, no lectures.
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 I'm living in a time where all of those things are part of the fabric of society.
Straddling both eras comes with a strange mix of hope and uncertainty. We were raised to dream big. But many of us also carry a constant low hum of anxiety about the future — especially when it comes to money.
One Thanksgiving, I found myself talking with my cousin — a senior in high school at the time, about to step into that same world. She had taken the classes. She knew the vocabulary. But knowing and feeling ready are two very different things. I recognized that feeling immediately.
"Made by your millennial cousin, Sophia."
And that's how Your Millennial Cousin was born.
An educator, not a financial advisor.
For more than a decade, I've worked in several roles in education — from middle school teacher to Assistant Dean of Students to Associate Director at a college. I hold a master's in Education Policy & Management from the Harvard Graduate School of Education — not in finance, but in how people learn. No matter the title, my work has always been about helping students learn, grow, and avoid some of the mistakes I made along the way.
So when it came to sitting down with my cousin, I couldn't show up empty-handed. I made her a workbook. At the top of the page I wrote: "Made by your millennial cousin, Sophia." And that's how Your Millennial Cousin was born — from a simple desire to give someone else what I wish I had when I was entering adulthood: a strong financial foundation.
While you may not be my cousin by blood, I hope you feel seen, heard, and supported here. The feelings and questions you have about money are shared by so many of us.
So whether you're a millennial or not — welcome to the family, cousin. I'm so happy you're here.
What YMC Values
The principles behind everything we do.
Honest money talk
Real conversations about finances, mistakes, and growth — no polish, no pretense.
Accessible language
Financial education that is clear and practical.
You leave with clarity
Not a to-do list (while I do love a to-do list). The confidence to make decisions that fit your real life.
Your values, your money
We connect money decisions to what actually matters to you—not a generic plan.