A classic personal finance question: Is that a want or a need? The framing of the question suggests needs are necessities and wants are luxuries. Yet no one we interviewed for the podcast talked about luxuries. They said they wanted opportunities to take care of their families and to do better. Jennifer Garbow is an Ojibwe from the Bois Forte Indian Reservation. She’s also a financial educator for the University of Minnesota teaching to tribal communities. We met her in Bemidji, Minnesota, a college town a few hours north of the Twin Cities.  We asked her what people don’t understand about money? For additional resources, visit https://www.smallchangestories.org/episode/2020/10/26/money-needs-wants