This couple's credit could have torn them apart. Now they're living the American dream.
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Capital One

When Cashia and Terrance Bryant first met, they knew they had something special. But Cashia was keeping something important from her man.

Photo courtesy of the Bryants.

The couple, who has now been married for two years, connected very quickly. After a short time together, they knew that their love was real, (even though they still argue about who said "I love you" first).


However, before they could take their relationship to the next level, Cashia had to come clean about something that had been worrying her since the start of their relationship — her bad credit.

“I didn't tell you for a long time because I was so scared you were gonna run," Cashia admits to Terrance.

Cashia's bad credit has been following her since she was 18-years-old.

Photo via Upworthy.

As a 42-year-old woman, Cashia knows how to build up and retain good credit. But when the family therapist was 18 years old, she had no idea what responsibility came with owning a credit card. She also racked up some considerable student loans.

Unfortunately, that has affected Cashia's credit up until this day.

And she's not only one with credit issues. Terrance's credit isn't where he'd like it to be either, and when he has money, a good portion of it goes to supporting his 17-year-old daughter, Ty'asia.

The couple's been making progress, though, because they have a major goal ahead of them. They want to own a house by next year.

Photo via Upworthy.

At first, this goal seemed completely insurmountable. How could two (now successful) people with low credit afford to own their own place?

In order to get to on the right path, Cashia and Terrance had to take a long look at their finances and make the decision to save rather than spend. It's easier said than done, and considering where they're at in their lives — with so many expenses that need to be taken care of right now — it sometimes felt like they were chasing an impossible dream.

While it took hard work and patience, the Bryants are now much closer to making their dream a reality.

Here's how they're doing it:

First, the couple dissected how much money they bring in versus how much goes out each month. Based on that information, Cashia created an aggressive budget for the pair — one that cuts down on spending while still allowing them to have a little fun as they save for a down payment.

As they get into the habit of saving, they're crafting a future in which making wise financial decisions comes easily and naturally to them.

Due to their lower credit scores, the Bryants may have to put more money down on the house they eventually choose, but thanks to their financial planning efforts, that's no longer an insurmountable task.

Ultimately, the process of buying a house is bringing the couple closer together. While the decisions that they've had to make have been difficult, sharing this mutual goal is like a recommitment to each other.

And all their planning and saving has made it possible for them to afford a down payment on a house next year. With that hurdle behind them, they can now pursue their greater goal beyond home ownership.

"We want our own family," says Cashia "I want our baby to experience a home."

"It took both of us," Terrance beams. "I'm glad we found each other."

To learn more about the Bryant's journey to homeownership, check out this video:

Researchers at Harvard University have studied the connection between spanking and kids' brain development for the first time, and their findings echo what studies have indicated for years: Spanking isn't good for children.

Comments on this article will no doubt be filled with people who a) say they were spanked and "turned out fine" or b) say that the reason kids are [fill in the blank with some societal ill] these days are because they aren't spanked. However, a growing body of research points to spanking creating more problems than it solves.

"We know that children whose families use corporal punishment are more likely to develop anxiety, depression, behavior problems, and other mental health problems, but many people don't think about spanking as a form of violence," said Katie A. McLaughlin, director of the Stress & Development Lab in the Department of Psychology, and the senior researcher on the study which was published Friday in the journal Child Development. "In this study, we wanted to examine whether there was an impact of spanking at a neurobiological level, in terms of how the brain is developing."

You can read the entire study here, but the gist is that kids' brain activity was measured using an MRI machine as they reacted to photos of actors displaying "fearful" and "neutral" faces. What researchers found was that kids who had been spanked had similar brain neural responses to fearful faces as kids who had been abused.

"There were no regions of the brain where activation to fearful relative to neutral faces differed between children who were abused and children who were spanked," the authors wrote in a statement.

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Images courtesy of John Scully, Walden University, Ingrid Scully
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Since March of 2020, over 29 million Americans have been diagnosed with COVID-19, according to the CDC. Over 540,000 have died in the United States as this unprecedented pandemic has swept the globe. And yet, by the end of 2020, it looked like science was winning: vaccines had been developed.

In celebration of the power of science we spoke to three people: an individual, a medical provider, and a vaccine scientist about how vaccines have impacted them throughout their lives. Here are their answers:

John Scully, 79, resident of Florida

Photo courtesy of John Scully

When John Scully was born, America was in the midst of an epidemic: tens of thousands of children in the United States were falling ill with paralytic poliomyelitis — otherwise known as polio, a disease that attacks the central nervous system and often leaves its victims partially or fully paralyzed.

"As kids, we were all afraid of getting polio," he says, "because if you got polio, you could end up in the dreaded iron lung and we were all terrified of those." Iron lungs were respirators that enclosed most of a person's body; people with severe cases often would end up in these respirators as they fought for their lives.

John remembers going to see matinee showings of cowboy movies on Saturdays and, before the movie, shorts would run. "Usually they showed the news," he says, "but I just remember seeing this one clip warning us about polio and it just showed all these kids in iron lungs." If kids survived the iron lung, they'd often come back to school on crutches, in leg braces, or in wheelchairs.

"We all tried to be really careful in the summer — or, as we called it back then, 'polio season,''" John says. This was because every year around Memorial Day, major outbreaks would begin to emerge and they'd spike sometime around August. People weren't really sure how the disease spread at the time, but many believed it traveled through the water. There was no cure — and every child was susceptible to getting sick with it.

"We couldn't swim in hot weather," he remembers, "and the municipal outdoor pool would close down in August."

Then, in 1954 clinical trials began for Dr. Jonas Salk's vaccine against polio and within a year, his vaccine was announced safe. "I got that vaccine at school," John says. Within two years, U.S. polio cases had dropped 85-95 percent — even before a second vaccine was developed by Dr. Albert Sabin in the 1960s. "I remember how much better things got after the vaccines came out. They changed everything," John says.

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