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CHICAGO, IL - Wednesday, May 31, 2017:

Tanya Kennedy, a Certified Consumer Credit, Housing and Student Loan Counselor with Money Management International, holds a family photo, which includes her father, Eddie Kennedy, at top, who instilled in her the value of living within one's means. She now helps others with money management and debt problems.

(Photo by Alyssa Schukar for NerdWallet)

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CHICAGO, IL - Wednesday, May 31, 2017:<br /> <br /> Tanya Kennedy, a Certified Consumer Credit, Housing and Student Loan Counselor with Money Management International, holds a family photo, which includes her father, Eddie Kennedy, at top, who instilled in her the value of living within one's means. She now helps others with money management and debt problems.<br /> <br /> (Photo by Alyssa Schukar for NerdWallet)
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