YES LIVE: Cassandra, age 30

Cassandra is single and works for an insurance company. “The more money I have in the bank, the more I spend. I try to save, but I keep dipping into it. There’s always an emergency, like buying new tires. Financially I’m OK, but I don’t have many options. I have two credit cards. They don’t have high limits, but they have high rates. I’m making minimum payments, but the interest rates are so high that I can’t make progress.