Tonya Rapley gets real on money, debt, credit, savings, investments, school loans, and relationships In this video, What's The 411 host Kizzy Cox gets the "411" on personal finance from Tonya Rapley "The Millennial Money Coach". Tonya gives insight into personal finance management including savings and investing for those with entry level salaries; credit score management; how to handle school loans when you don't make a lot of money, and more.