Credit, funding, and taxes aren't just about learning codes and memorizing graphs. It's about understanding where you are and doing what's necessary to get where you want to be. If you can imagine it, you can create it. No circumstance you've been in, no adversity you've had to endure can stop you—as long as you decide to be the narrator of your story. What will your life look like to you?

This year's million-dollar question is: who is supposed to file taxes? My answer is anyone with an income. The IRS understands that we've seen an exodus of conventional employment, with people choosing to work as gig workers, contractors, or trying their luck with entrepreneurship to survive. It doesn't matter your age, income, gender, location, or religion—you should be filing your taxes. Without your tax documents, you're missing out on proper documentation for homeownership, school loans, and more. This year, we're going to focus on stability across the board.