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When it comes to finances, most individuals see three main budget threats: job loss, medical emergencies and major home repairs. But more often than not, it’s the everyday surprises that derail budgets and create long-term stress.
That’s why financial counselor Kimberly Chapman of Neighbors Federal Credit Union says she’s made financial resilience her focus. For her, it starts with helping people understand that small, intentional changes can transform the future.
“One of my favorite quotes is, ‘If you change nothing, nothing will change,’” Chapman says. “A lot of people feel overwhelmed because they’re looking at the top of the mountain instead of the next step. I want them to see that one step at a time can make a big impact.”
The first steps toward a safety net
For Chapman, the starting point is less about numbers and more about mindset.
“The first step is just feeling empowered,” she says. “Believing you can take control of your finances even when it feels overwhelming.”
After that, she encourages members to begin with small but consistent actions. Automating savings — even amounts as small as $5 to $25 per paycheck — creates momentum and gives people their first layer of protection.
She also reminds members that building financial stability is often more about developing good habits than relying on income level.
“It’s not how much you make. It’s how much you keep,” Chapman says. “Most millionaires didn’t start out with large salaries. They made small financial changes over time.”
She also compares the process to navigating an amusement park.
“You know where you want to go, but you have to find the dot on the map that says ‘You are here,’” she says. “We help members identify where they are financially and the best route towards their goals.”
That includes one-on-one financial counseling, budgeting support, savings tools, emergency planning, and resources to help members manage credit and debt more effectively.
“We became a society that wants quick fixes,” Chapman says. “But financial resilience requires patience and consistency. Our job is to help simplify the process so people don’t get overwhelmed by the big picture.”
Clearing up misconceptions
One of the most damaging misconceptions, she says, is that financial stability is only possible for people who earn high incomes. That belief often prevents people from taking the small steps that actually build resilience.
“Small changes matter,” Chapman says. “Cutting unused subscriptions, eating out less, or saving a few dollars a week can completely change someone’s trajectory.”
Ultimately, Chapman hopes more people will invest time in learning about money and feel empowered to take control of their financial futures.
“The more you know about money, the better you can manage it,” she says. “Financial resilience isn’t about perfection. It’s about preparation.”
