JoAnn is a widowed, 65 year old woman who took the Faith & Finances® course in 2018. She lives on a fixed income in a senior citizens’ apartment on the west side of Cleveland. Because of the Faith & Finances® class, JoAnn was able to track what she was spending, pay off debt, set up a budget, and put money into a savings account. JoAnn was assisted by her Ally from the class who committed to walking alongside her for at least a year. Two years later, JoAnn still contacts her Ally to ask for financial advice and prayer as she continues to use what she learned in class. JoAnn is now financially stable, giving to her local church, and making plans to move closer to family in North Carolina.