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Terryn Witherspoon-Woolfolk and her husband cutting a cake on their wedding day
The author, left, wanted to be a mother and wife – not an academic.
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a woman hugging a person in graduation gown
The author, not pictured, is dreading her empty nest when her son goes to college.
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the back of a college graduates head in a cap and gown
The author, not pictured, just graduated from college.
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Couple biking in front of new house
The author and her husband posing with their home after retirement.
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Sandrine Jacquot and her parents standing in a room with two yellow chairs and a blue carpet.
Sandrine Jacquot learned about finances from her parents.
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a birds-eye view of a woman typing on a calculator and looking at her bills
The author, not pictured, is a recent college graduate who can't make ends meet.
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Author 
Ashley Archambault and her family in St Augustine
Now that I'm an adult I love living in Florida with my family.
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Ashley Archambault and her husband hugging
The author, right, and her husband work together.