Kristi Sedota, a learning and development pro, has been working since she was 16 — but doesn’t mean she’s always been flush with cash. In fact, her struggles with debt and how her relationship with money has changed over the years is what guides her work in helping others with their finances.

Today, she is sharing her hard-won lessons with her new stepchildren as she and her partner create a new life together. This may be her hardest audience to crack yet!

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