 HBCUs have a rich tradition of producing leaders. Support HBCUs through donations to the UNCF. Learn more at uncf.org. This is Mimi Brown with the Black Information Network here with our founding partner, Bank of America, for another Better Money Habits moment. Today, I'm talking with Gwen Given-Jones, a Better Money Habits champion from West Covina, California. Before we dive in, Gwen, tell me, what is a champion and how do you help your community?