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Capital One Impact Initiative

Do you stress about money? A 'money coach' might be the remedy.

Do you stress about money? A 'money coach' might be the remedy.
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Capital One

Like many people, Dana Nielsen had spent much of her life struggling with her relationship with money. "It was this object way outside of me that I didn't have control over," she says. "It was something that I needed but didn't value. And I didn't know how to have a relationship with something that I needed but didn't value."

Little did Nielsen know that exploring her relationship with money, figuring out what mental or behavioral obstacles were getting in her way, and forming a plan of action would give her power over her finances for the first time. But that's how she felt after three Money Coaching sessions in a Capital One Café—empowered.


"It gave me confidence," she says. "It gave me trust in myself and trust in money in a way that I had not had in the past. It really connected the dots for me."

Nielsen was just launching her own private psychotherapy practice when she decided to try out the Money Coaching program. She says she was surprised by what it felt like when she arrived at the Capital One Café in San Francisco.

"It was a really different experience of being in a bank than I had had in the past," said Nielsen. "Very calm and casual."

Instead of a sterile atmosphere, Capital One Cafés feel like cool coffee shops, complete with cozy nooks, quality coffee, free WiFi and good lighting. Nielsen was offered a beverage, then her Money Coach invited her to a private space to chat about her goals and values, and how to use money to create a life she would love.

Capital One

The Money Coach didn't tell Nielsen much to contribute to her 401K or which stocks she should buy. Instead, the coach helped her explore her beliefs and emotions around money, set financial goals, and make an action plan for reaching them. She left feeling empowered and confident about her finances in a way she never have before — and it didn't cost her a dime.

Nielsen says she had a lot of limiting beliefs about money, and her Money Coaching sessions helped her have a more positive outlook. They allowed her to set a different bar for herself and to align herself with the belief that she could create abundance and have control over her financial life. And it was fun, she says. "I loved bringing play to something that has historically and culturally so dry and so serious. Making it into something personable that I could work with was just so encouraging."

That change in mindset resulted in real-life change. Since completing her Money Coaching sessions, Nielsen has opened a high-interest savings account, paid off a private business loan, raised her fees, and adjusted her sliding scale spots. She has also become more purposeful about where she chooses to spend her money, focusing on conscious brands and supporting more minority-run businesses, to align her spending with her values.

Now Nielsen recommends Money Coaching to people on a regular basis.

"Money is a foundational issue for a lot of people," says Nielsen. "It's in the same kind of belief categories as our sense of safety, sense of belonging, sense of home." She has clients who make a lot of money but also have a lot of debt, and their relationship with money is messy. "For clients and friends that have issues in that department," she says, "I refer them to Money Coaching as a supplement to therapy."

Similar Money Coaching experiences are happening in Capital One Cafés across the U.S., and the program is the brainchild of a team of Capital One creatives and financial advisers who set out to explore what kinds of financial services people really need.

Through their research, the team found that people of all ages and life stages struggle with financial anxiety. If people don't look at their emotional relationship with money, it doesn't matter what changes they make on paper. People's financial success won't budge if they don't address the thoughts, beliefs, and patterns of behavior they have around money.

Mira Lathrop, a co-founder of the Money Coaching program, worked as a financial planner for ten years prior to collaborating on the program, helping people manage their money. That experience, along with a degree in psychology and her work as a certified life coach, made Lathrop the perfect person to help build what has become Capital One's Money Coaching service.The team created the Money Coaching service to help people move from stress to confidence in their relationship with money. This "money journey" is a free service available to the public, even if you're not a Capital One customer. Anyone can come in for three in-person sessions with a Money Coach at no cost and with no further commitment.

Here's how it works:

You set up a time to meet with a Money Coach at a Capital One Café near you. When you arrive for your appointment, an Ambassador in the Café will ask if you want something to drink, give you a tour of the Capital One space if you'd like, and then you meet your Money Coach — a certified coach who has been trained to help people work through beliefs and feelings about money.

You'll be asked a series of open-ended questions and then the coach will help you choose from 10 tools the program has designed to help you discover an alternative perspective. The tools are interactive on an iPad, and include things like; Clear Your Path, Chart Your Values or Looking at your Future. The purpose is to help facilitate an honest, deep-dive into your hopes, fears, and goals — and ultimately leave you feeling empowered in your financial life.

"In coaching, we really believe that you are the driver of your life," says Lathrop. "You know what's best for you. Of course, there are answers that you might need to get, feedback you'd be interested in, and things you need to dive deeper in. But we're facilitating a journey for you and walking alongside you, reminding you that you have access to what you need. You're empowered to find out what's the next best step for you."

Capital One

Lathrop says the most consistent feedback from people coming out of sessions is that it wasn't at all what they were expecting, but they are "surprised and delighted" by the experience. People find having an authentic, honest conversation about money refreshing, which is exactly why Capital One designed the program.

"There's a lot of financial advice available, but learning how to engage with money is not something we're taught, she says. It's not taught in school, and it's not very comfortably talked about or taught in families."

"I feel like this is such a rare and beautiful opportunity we're offering," she adds. "Everyone has a powerfully unique experience."


To find a Capital One Café near you and make a free Money Coaching appointment, go to CapitalOne.com/MoneyCoaching.

Autumn de Forest

Autumn de Forest stands before a sign with her name on it

When Autumn de Forest was 5, she picked up a paintbrush for the first time. It wasn't long before she was ready to show the world what she could do.

After a year of practice, the then-6-year-old asked her father if he could get her a booth at a local art-in-the-park program. "People would come up to the booth, and they would talk to my father, and they'd say, 'This is great!'" she said. "Apparently they thought it was Take Your Daughter to Work Day."

Almost everyone thought the artwork was her father's. And when they found out that tiny Autumn was the artist, people couldn't believe their eyes.


art, kids, art genius, kid genius Autumn created this piece when she was just 5 years old. Autumn de Forest

Soon, Autumn rose to national fame.

When Autumn was 8, she was featured on the Discovery Health Channel. There was a slew of media attention in the years that followed. There was Disney. There was The Today Show. There was Wendy Williams. She was called a child genius, a prodigy, and an expert painter.


autumn deforest, art, kids, paintingSoon, Autumn rose to national fame.Autumn Deforest


Suddenly, Autumn de Forest was everywhere.

But not everyone was so accepting of the young artist and her work. Some people in the art world had ... questions. Sure, she was good for a kid. But was her art actually good? Others wondered if the whole thing might be an elaborate hoax.

Autumn decided not to listen.

By 14 she developed a startlingly organized daily routine that went far beyond a 9 to 5.

Somehow, as the focus on her age begins to wear off, Autumn's work ethic and art only grow stronger. She said that most days, she'd wake up in her parents' Las Vegas home at 7:30 a.m. After breakfast, she'd break out her supplies for a one- or two-hour painting session. From there, she dove into her school work. Most brick-and-mortar schools can't accommodate her travel schedule, so she did the majority of her schooling online.

Before dinner, it's back into the studio.

"That session can last much longer, that can be three or four hours when I really get into it," she said. "Then I probably have dinner and go to bed."

kids, painting, artistic genius, paintings, kid artists Autumn de Forest paints Autumn de Forest


The results? They speak for themselves.

Autumn de Forest, painting, art, kids, prodigy An Autumn de Forest painting Autumn de Forest

Her work has been displayed in galleries and exhibitions all over the world.

Autumn held a public demonstration before a showing at The Butler Institute of American Art.

Autumn de Forest, painting, kids, artAn Autumn de Forest painting Autumn de Forest

In 2015, Autumn received the International Giuseppe Sciacca Award in Painting and Art.

The award took her to the Vatican for a private showing of her artwork with the pope.


She's also worked with the President's Committee on the Arts and the Humanities, headed up by former First Lady Michelle Obama.

Autumn de Forest, the Pope, Pope Francis, painting, artAutumn de Forest stands with the Pope who looks at one of her paintings Autumn de Forest

As part of the program, de Forest traveled to underprivileged schools around the country and led painting workshops. Oh, and if you're looking for some hard numbers to attach to Autumn's talent, she's got those, too.

Her paintings raked in over $7 million at auctions by the time she was a teenager — fetching as much as $25,000 each — much of which has gone directly to charities and disaster relief funds.


At 23-years-old now, what's Autumn de Forest up to lately?

Autumn de Forest, painting, art, kidsAutumn de Forest works with other young painters Autumn de Forest

A lot!

The transition from child prodigy to respected artist has kept her busy.

In 2017, the Monthaven Arts and Cultural Center in Hendersonville, Tennessee hosted a major solo exhibition for de Forest titled "Her White Room: The Art of Autumn de Forest."

That same year, de Forest was listed as one of Teen Vogue's "21 Under 21." In her profile she was praised for her talent as well as her commitment to art education.

"In dis­advantaged schools, they consider the arts an extracur­ricular activity," she told Teen Vogue. "It's devastating, as there could be child prodigies in these schools, but they don't know that they have this God-­given gift because they're not given the opportunity because there's nearly no art programs in schools."

In 2018, de Forest was featured in the music video for the song "Youth" by best-selling recording artists Shawn Mendes and Khalid. The video highlights exceptional young people working to change the world, including de Forest, Emma González, and Elias and Zion Phoenix.

The video has over 17 million plays on YouTube.

And of course, Autumn continues to share her absolutely incredible artwork on Instagram and in shows and exhibitions around the globe.

The Autumn de Forest Foundation, helps her keep track of the kids she's met throughout the years and to continue to help them with their art careers.

A portion of the foundation's money goes to a 529 account set up for the students while 10% goes to them directly.

"A lot of these kids that I work with, they're not very old, they're in second grade, third grade, fourth grade. Maybe in 10 years, they may only have four or five thousand dollars but that could be the difference between them going to college or not," Autumn told Teen Vogue.

Autumn's incredible rise in the art world is an astonishing feat for someone who's still in her teens. But that accomplishment is easily matched by her generosity and commitment to helping develop tomorrow's prodigies as well.

For more information, visit the Autumn de Forest Foundation.


This article originally appeared nine years ago.

Parenting

A dad's hilarious 'time-travel' letter to school asks them to explain field trip fiasco

Are you able to search the school buildings for a rip in the space-time continuum?

Images via Twitter

Stephen Callaghan and his letter

In 2017, Stephen Callaghan's daughter Ruby came home from school. When he asked her how her day was, her answer made him raise an eyebrow. Ruby, who was in the sixth grade at her school in Australia, told her dad that the boys would soon be taken on a field trip to Bunnings (a hardware chain in the area) to learn about construction.

The girls, on the other hand? While the boys were out learning, they would be sent to the library to have their hair and makeup done. Ruby's reply made Callaghan do a double take. What year was it, again? Callaghan decided to write a letter to the school sharing his disappointment — but his wasn't your typical "outraged parent" letter.

"Dear Principal," he began. "I must draw your attention to a serious incident which occurred yesterday at your school where my daughter is a Year 6 student."

"When Ruby left for school yesterday it was 2017," Callaghan continued. "But when she returned home in the afternoon she was from 1968."

dads, parenting, kids, Australia, sexism, gender, women Representative image of an angry dadImage via Canva

The letter goes on to suggest that perhaps the school is harboring secret time-travel technology or perhaps has fallen victim to a rift in the "space-time continuum," keeping his daughter in an era where women were relegated to domestic life by default.

"I look forward to this being rectified and my daughter and other girls at the school being returned to this millennium where school activities are not sharply divided along gender lines," he concluded.



Dear Principal
I must draw your attention to a serious incident which occurred yesterday at your school where my daughter Ruby is a Year 6 student.
When Ruby left for school yesterday it was 2017 but when she returned home in the afternoon she was from 1968.
I know this to be the case as Ruby informed me that the "girls" in Year 6 would be attending the school library to get their hair and make-up done on Monday afternoon while the "boys" are going to Bunnings.
Are you able to search the school buildings for a rip in the space-time continuum? Perhaps there is a faulty Flux Capacitor hidden away in the girls toilet block.
I look forward to this being rectified and my daughter and other girls at the school being returned to this millennium where school activities are not sharply divided along gender lines.
Yours respectfully
Stephen Callaghan



sexism, dads, daughters, parenting, school, sexism, time travelStephen Callaghan and his letterImages via Twitter

When Callaghan posted the letter to Twitter (since deleted), it quickly went viral and inspired hundreds of supportive responses.

Though most people who saw his response to the school's egregiously outdated activities applauded him, not everyone was on board.

One commenter wrote, "Sometimes it is just ok for girls to do girl things."

But Callaghan was ready for that. "Never said it wasn't," he replied. "But you've missed the point. Why 'girl things' or 'boy things'... Why not just 'things anyone can do?'"

He later commented that he didn't think the school's plan was malicious, but noted the incident was a powerful example of "everyday sexism" at work.


Callaghan says the school hasn't responded to his letter. (Yes, he really sent it.) At least, not directly to him.

Some media outlets have reported that the school claims students are free to opt in and out of the different activities. But, as Callaghan says, gendering activities like this in the first place sends the completely wrong message.

In response to the outpouring of support, Callaghan again took to Twitter.

"At 12 years of age my daughter is starting to notice there are plenty of people prepared to tell her what she can and can't do based solely on the fact she is female," he wrote.

"She would like this to change. So would I."

This article originally appeared eight years ago.

Heroes

Instacart delivery driver trusted her gut instinct and ended up saving a customer's life

"You're supposed to take a picture and leave, and I could not just leave."

Jessica Higgs had a sense that something wasn't right at a customer's house and her action saved his life.

One the more mysterious aspects of being human is our sense of intuition. This "sixth sense" isn't something we can see or measure, but many people have experienced it in some form or fashion. Maybe it comes as a strong feeling that something isn't right, or that we or someone else should or shouldn't do something. It can be hard to read—not every feeling we get is truly our intuition—but there are plenty of examples of people trusting their instincts and being glad they did.

One such story has gone viral on TikTok. Jessica Higgs, a mom who works as an Instacart grocery delivery person, shared a story in an emotional video that illustrates the importance of listening to that inner voice when it prompts you to make sure someone is OK.

"I just want to start this off by saying if you see something, say something," Higgs said.

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She explained how she had done an Instacart order the previous day for a daughter who was ordering for her older dad who couldn't shop for himself. She said she was going the extra mile like she always does for her customers, and that the daughter told her to just drop the groceries on the porch and he'd get them. That's what Higgs would usually do.

"I get there and something was telling me no, you gotta help this man out," she said. "He came out, and I was like OK let me help you, and I got the groceries. You're not supposed to go into someone's house, but I used my judgment and I brought the groceries inside and put them down wherever he wanted me to put them down. You're not supposed to, but I did. And you're supposed to just take a picture and leave, and I could not just leave."



@jessicahiggs3

@Instacart #28DaysOfEucerin #fyp



Higgs noticed that the man looked really sick and she was really concerned. A voice in her head said, "You gotta say something. You gotta say something, Jess." Rather than mark the order as complete, she messaged the man's daughter and told her that it was really unprofessional to say something like this, but she felt like her dad wasn't doing well. "There's a propane tank in there," she told the woman. "I was in there maybe five feet and I got dizzy. There's got to be a leak. He might not be doing good because of this leak."

The woman said she would send her son over to check it out and Higgs left. The woman changed her tip from $14 to $100, which Higgs appreciated, but the message she sent her the next morning was a much greater reward for her going the extra mile.

"Thank you so much, once my son went to check on my dad it turned out it was definitely leaking," she wrote. "You definitely saved my dad and my younger son's life!!!"

Through tears, Higgs said, "I'm just an Instacart worker, but if you see something, say something. I did and I'm so happy I did."

Higgs' TikTok has been viewed more than 15 million times and has been shared widely on social media. It has also attracted the attention of big companies.

Royal Caribbean Cruises shared a TikTok video of its own praising Higgs for her heroic act and offering her and her family a seven-day cruise anywhere in the world. "Cause even heroes need a vacation," the company wrote.



@royalcaribbean

Stitch with @jessicahiggs3 - cause even heroes need a vacation. Thanks @captaincruiseguy



Old Navy connected with her and arranged a shopping spree where she got to model several new outfits. People Magazine commented, "You’re literally a HERO! Good job trusting your instincts. 💕" Even TikTok itself wrote, "You are amazing ❤️thank you for sharing this with all of us."

Lots of commenters also pointed out that she's not "just an Instacart worker." Her work is important, she's providing a needed service and any job done in a spirit of helping others should not be minimized. If she hadn't been there doing her job well, that man may not be here. Never underestimate the difference each of us can make by the simple act of looking out for one another, friend and stranger alike.

Higgs' heartfelt story touched millions, and she's being rightly rewarded for listening to her heart and going out of her way to help someone. Gotta love seeing good things come to people doing good. Well done, Jessica Higgs.

This article originally appeared three years ago.

Pets

Sisters thought they were rescuing one injured dog, but ended up with 10 perfect pups

"I just want her to have the best life, that's why I brought her home with me."

Sarah Bauer with her adopted dogs

It is hard to walk into a dog shelter without wanting to take them all home. In the case of Meghan Wedge and Sarah Bauer, one turned into 10—and quickly.

It all started outside Meghan's work in Dalton, GA. Some colleagues of hers came into the office and said that there was a dog badly injured in the parking lot just outside. As Wedge told PBS39, "As soon as she got up, she'd fall back down. When she did finally get up, you could see that she couldn't put her weight on her one back leg. I wanted to help her, so I started posting on social media, just asking if anyone was able to help this dog. I didn't want to call the pound on her. I was hoping to find her a home." That was when she made a phone call to her sister, Sarah Bauer, who lived in Quakertown, PA. At that moment, for the dog who would soon be named Izzy, things were about to change.

As Megan recalls, "Sarah was like: What if I take the dog? I said: Are you sure you want to do this? You don't know what you may be getting yourself into." But there was no talking Sarah out of it. They met in Virginia where Sarah met Izzy and took him home.

- YouTubewww.youtube.com

The first order of business for Sarah was to take Izzy to the vet. That was when she learned how bad the trauma that Izzy had suffered really was. "Because of Covid-19 and everything going on, I couldn't go into the vet with her, which was hard in itself," said Bauer. "The vet comes out to my car and tells me that her hip is dislocated, she has abrasions on her legs and that she was probably hit by a car. She also told me that she was hit by buckshot. At that point, I started tearing up. To think that this sweet girl had been treated that way...I don't even want to think about someone hurting her on purpose."

As Sarah pointed out to PBS39 on Izzy's X-rays, "The tiny white dots—that's the buckshot—all over her body. This is just showing her abdomen. I also picked a couple out of her ears, arms and legs." As expected, when Megan heard this from Sarah it was heartbreaking. "When Sarah told me all of that, I started crying," said Wedge. "I have a rescue dog myself, and she was abused before I got her. To me, dog is God spelled backwards. Dogs are angels. I think it's sickening that people would even think about hurting an animal."

dogs, dog rescue, puppies, animal rescue, animals, petsSarah Bauer and her sister with IggyImage via GoFundMe

So Izzy had been hit by a car and had buckshot all over her body, but there was one more discovery about to be made. Izzy was also pregnant.

"The vet told me that she found a heartbeat," said Bauer. "So, just to know that a little puppy was alive after everything that her mom went through, that was incredible!" The thing is, they were wrong. It would turn out not to be a heartbeat. It would turn out to be nine of them.


dogs, dog rescue, puppies, gofundme, animal rescue, funnyIzzy, the original dog they thought they were adoptingimages.gofundme.com

"The vet tech came out and said: So, we don't just have a puppy, we have puppies! Do you want to guess how many? I said: Three or four? She said: Nine! I said: Nine puppies...that's crazy," said Bauer. "She's really come alive since the first time that I met her. I think the puppies really brought out the puppy in her. She manages pretty well, but I know that she's in discomfort every day, especially if she tries to go up or down steps or even just to run around with her puppies, she won't put weight on that leg. I just want her to have the best life, that's why I brought her home with me, I just want her to have a good life."

Sarah ended up with more $4,000 in vet bills but after support from several donations, including from Upworthy readers, she ended raising more than $5,000 for Izzy's care and recovery. It certainly sounds like Izzy could not have landed in a better home than the one she shares with Sarah Bauer.

This article originally appeared five years ago.

A couple enjoying a glass of wine.

In the 1988 Disney classic “Who Framed Roger Rabbit,” the titular character is in an unlikely relationship with his voluptuous wife Jessica. Roger is a frantic, anxious rabbit with a penchant for mischief, while Jessica is a quintessential ’40s bombshell who stands about a foot and a half taller and isn’t “bad,” just “drawn that way.”

When private investigator Eddie Valiant asked Jessica what she sees in “that guy?” she replies, “He makes me laugh.” This type of couple may seem like something we only see in the movies, but don’t underestimate the power of humor when it comes to attractiveness. A 2022 study published in Evolutionary Psychology found that being humorous is the most effective way to flirt for both men and women.

“People think that humour, or being able to make another person laugh, is most effective for men who are looking for a long-term relationship. It’s least effective for women who are looking for a one-night stand. But laughing or giggling at the other person's jokes is an effective flirtation tactic for both sexes,” says Leif Edward Ottesen Kennair, a professor at the Norwegian University of Science and Technology's (NTNU) Department of Psychology.

dating, flirting, how to flirt, flirting advice, romance, men, women A woman smiles at a manImage via Canva

“It is not only effective to be funny, but for women, it is very important that you show your potential partner that you think they are funny,” Rebecca Burch, a co-author from SUNY Oswego in New York, added.

For men, showing off their sense of humor was found to be the most effective way to flirt whether they were looking for a short-term or a long-term relationship. For women, being funny was the most effective tactic when looking for a long-term relationship. For people looking for a short-term fling, appearing available was the most effective tactic.

- YouTubewww.youtube.com

According to the study, humor is effective regardless of one's attractiveness. “Individual differences in age, religiosity, extroversion, personal attractiveness and preferences for short-term sexual relationships had little or no effect on how effective respondents considered the various flirting tactics to be,” says study co-author Prof. Mons Bendixen.

If you see someone you like but don’t think you’re good-looking enough for them, give it a shot. You may still have a chance if you can make ’em laugh.

The most effective tactics for those looking for a long-term relationship:

For women:

1. Makes him laugh

2. Shows interest in conversations

3. Spends time with him

4. Engages in deep conversations

5. Kisses on mouth


flirting, flirting advice, how to flirt, dating, romance, men, womenA man texts a woman sitting near himImage via Canva

For men:

1. Makes her laugh

2. Spends time with her

3. Shows interest in conversations

4. Engages in deep conversations

5. Smiles

The study is proof that looks aren’t everything and shows that having a good sense of humor isn’t just about making someone laugh. A great sense of humor is evidence that someone is intelligent, wise, perceptive, confident, can see things from new perspectives and has good intuition. It also helps people quickly build bonds and share experiences, which is a great way to get close to someone in a fast and fun way.

So why wouldn’t Jessica be with Roger? The guy is hilarious.

This story originally appeared three years ago.