So, I was trying to make sure that I had a plan for how I was going to pay for grad school and how I was going to balance paying for things because I wasn’t going to be able to work,” Kharisma said. Through Operation HOPE, Kharisma was matched with Financial Wellness Coach Charisse Flowers, who immediately put her at ease. Having tamed her spending as a student, Kharisma is confident that she can bring the financial lessons she learned from Operation HOPE in her new job as a teacher.