Minimum payments • Pagos mínimos
Ana’s first credit card
La primera tarjeta de crédito de Ana
See why a $35 minimum payment barely reduces Ana’s $600 balance when the card carries a 29.99% APR.
Animated money stories • Historias animadas
Mira. Aprende. Protege tu dinero.
Short AI-animated stories that teach English- and Spanish-speaking families about credit cards, savings, APR, and “no interest” offers—in just a few minutes.
Historias cortas, visuales y sin juicio. Porque aprender de dinero no debe sentirse como una clase aburrida.
No shame. No confusing words. Learn it, see it, use it.
Episode 003 • Episodio 003
She almost paid $430. The corrected balance was $20.Casi pagó $430. El saldo correcto era $20.Watch and learn • Mira y aprende
Start with the story that matches what you need today. Every episode is short, bilingual, and designed to make one money lesson easier to understand.
Minimum payments • Pagos mínimos
See why a $35 minimum payment barely reduces Ana’s $600 balance when the card carries a 29.99% APR.
Deferred interest • Interés diferido
Follow Sofia’s $1,200 sofa purchase and learn why “no interest if paid in full” depends on one important deadline.
Medical bills • Facturas médicas
Marisol nearly pays a $430 statement before her EOB and prior payment reveal that the corrected balance is only $20.
Start here • Comienza aquí
Each topic becomes a 45–60 second animated story with a hook, a real financial choice, the consequence, and one action viewers can use immediately.
Learn limits, balances, minimum payments, due dates, and statement dates before one missed detail becomes expensive debt.
Aprende límites, balances, pagos mínimos y fechas importantes antes de que un error se convierta en deuda.
Get this lessonSee how interest grows, why minimum payments keep you stuck, and when a ‘no interest’ offer can become a trap.
Entiende cómo crece el interés, por qué el pago mínimo te atrasa y cuándo ‘sin interés’ puede ser una trampa.
Get this lessonCompare the provider bill with your Explanation of Benefits and confirm that insurance adjustments and prior payments were applied.
Compara la factura con tu Explicación de Beneficios y confirma que aplicaron los ajustes del seguro y tus pagos anteriores.
Get this lessonThe Coffee with Maddie promise
“Financial education should feel like a conversation—not a test you are afraid to fail.”
We explain the financial words many people were never taught at home or in school. Every topic is presented in English and Spanish.
Explicamos las palabras financieras que muchas personas nunca aprendieron en casa o en la escuela.
Learn with us / Aprende con nosotrosEpisode 001 • Episodio 001
The first playable story follows Ana from excitement to a $600 balance—and shows why paying only the minimum is not a real payoff plan.
Ana pensó que pagar el mínimo de $35 significaba que lo estaba haciendo bien.
AI narration in English and Spanish • Narración con IA en inglés y español
The minimum payment keeps the account current, but it is not designed to eliminate debt quickly. Read the APR, pay more than the minimum when possible, and calculate your payoff date.
El pago mínimo mantiene la cuenta al día, pero no está diseñado para eliminar la deuda rápidamente. Lee el APR, paga más del mínimo cuando sea posible y calcula tu fecha de pago total.
Episode 002 • Episodio 002
Sofia buys a $1,200 sofa under a “no interest if paid in full” promotion—and learns why the deadline and those five words matter.
Choose your language • Elige tu idioma
Narrated video with on-screen captions • Video narrado con subtítulos en pantalla
“No interest if paid in full” can mean deferred interest. Read the promotion terms, calculate your payoff target, and finish before the deadline.
“Sin intereses si se paga por completo” puede significar interés diferido. Lee los términos, calcula tu meta de pago y termina antes de la fecha límite.
Episode 003 • Episodio 003
Marisol pauses before paying a $430 statement, compares it with her EOB, finds a missing prior payment, and gets the account corrected to $20.
Choose your language • Elige tu idioma
Narrated video with synchronized captions • Video narrado con subtítulos sincronizados
Compare the provider bill with your EOB. Check the date and service, claim status, allowed amount, insurance payment, patient responsibility, and payments already made.
Compara la factura del proveedor con tu EOB. Revisa la fecha y el servicio, el estado del reclamo, el monto permitido, el pago del seguro, la responsabilidad del paciente y los pagos realizados.
Illustrative example; benefits and billing situations vary. Sources: CMS EOB guide and CMS medical-bill guide.New episodes • Nuevos episodios
Join Coffee with Maddie for new bilingual episodes and simple financial lessons. We’ll send a confirmation email first so you know the subscription worked.
Únete a Coffee with Maddie para recibir nuevos episodios bilingües y lecciones sencillas de finanzas.