For someone who hasn't ever had much money, it can be difficult to begin the simple mechanics of saving. "It was a little overwhelming at first," says Yolanda. "I was used to taking my money and doing with it what I needed to do that day." Yolanda has had it tough. She was "semi-homeless" for a while and spent time in prison. Determined to turn her life around when she was released, she found a job at a Chicago museum. And she participated in one of Heartland Alliance's asset-building courses, helping her set goals and adopt good financial habits to protect her new life from hard times. She says, "It put the confidence in me to say, 'Hey, if other people can do this—work hard and make their money work for them—then I should be able to do this also."