Julie Heaton is a Certified Personal Finance Counselor® and Academic Life Coach who believes money and career conversations should feel empowering, not intimidating. She has taught personal finance to adult learners at the University of Montana, Penn State, and community-based nonprofits, helping people build confidence, resilience, and long-term economic stability. As Director of Penn State’s Sokolov-Miller Family Financial and Life Skills Center, she leads a team that develops curriculum and teaches money management skills to students, staff, faculty, and the public. A wife and mom of three, she values work-life balance and enjoys family time, cooking, playing fiddle, and getting outside to hike or ski.