Video: It Took Hard Times for Mom to Reassess Her Financial Readiness

By Shari Biediger

USAA MEMBER TOYAH STEPTOE joined the military at age 22 and purchased her first home in Killeen, Texas, a few years later. Since then, she’s advanced in her career, experienced several deployments and raised three daughters.

Yet Steptoe had to learn some hard lessons about managing her money and overcoming debt — lessons the single mom is passing on to her children and the young troops in her command.

From her home in Columbia, South Carolina, Steptoe shares how she achieved financial readiness and what it means to her. 


Toyah Steptoe realized her home purchase came with more financial strings than she anticipated. Find out what she did to put herself on the right track. Click here.1


 1The following disclosures also apply to the video.

Investments/Insurance: Not FDIC Insured • Not Bank Issued, Guaranteed or Underwritten • May Lose Value

This material is for informational purposes and is not investment advice, an indicator of future performance, a solicitation, an offer to buy or sell, or a recommendation for any specific product. A Financial Readiness Score should not be used as the primary basis for making investment or financial decisions. A Financial Readiness Score provides a basic assessment that is based on information and assumptions provided by you regarding your goals, expectations and financial situation, but it does not guarantee financial success or replace more detailed financial planning. The calculations do not infer that USAA assumes any fiduciary duties. Consider your own financial circumstances and goals carefully before investing or purchasing financial products. Before making any decision, consult your own tax, financial or legal advisors regarding your situation.  Information provided by you in connection with the Financial Readiness Score tool is voluntary, will not be considered in connection with a request or application for credit or insurance products/services, and may be used by USAA for marketing and other business purposes as set forth in the USAA Privacy Promise.

USAA means United Services Automobile Association and its affiliates.


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