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The purpose of The Financial Literacy Podcasts Series is to teach young adults (ages 18 to 22) the keys to managing money, establishing and maintaining credit more effectively; so that they can become financially stable, build assets, and achieve their personal and professional goals. Decisions made in early adulthood can have lasting financial consequences later in life. 

About the Host

Joel Allan Powell is a dedicated financial relationship management expert with more than 15 years experience in money management, loan origination, credit card applications, commercial real estate development/acquisitions, and investment services.  He has held the following licenses and/or certifications:  National Securities Dealers Association (NSDA) Series 6 & 63 licenses, Life insurance and Annuities contract licenses, and a Health Insurance license.  He is a graduate of both Bank of America's Banking Center Management Program and Premier Banking new Client Manager University.  He spent five years at Bank of America, working in the capacity of a Bank Center Manager/Vice President, and Premier Client Manager. In his latter role, he was responsible for managing a portfolio of Premier banking clients with assets totaling over a quarter of a billion dollars.


He has vast expertise in developing and facilitating adult learning training models and business start-ups. In 2004, he established a small nonprofit organization committed to strengthening the lives of District of Columbia residents and businesses through a myriad of training programs that included but are not limited to: business and financial management, work readiness, and career development.  He has a well-rounded understanding of business management, facilitative leadership, interpersonal communication, and customer service skills. 

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Episodes (1 - 3)

Ep#1- The good and bad of credit cards for young people (18-22)

Ep#2- How a secured credit card can put you on a proper credit track for life? 

Ep#3- What to do if you get into trouble with credit card debt at an early age? 

00:00 / 07:08
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