Finance
First-Generation Accounting and Finance Double Major Sets Sights on Future as Business Leader – Chico State Today
Not everyone has a life plan figured out by the time they’re in college.
Joana Camarena is a great exception. Now a senior in the business administration program, she found her calling in an early accounting class at Yuba College and hasn’t looked back since.
“I just fell in love with it,” she said, laughing. “My professor, Martin Gutierrez, was great. He encouraged the students a lot, and he is also a first-generation Mexican American, like me.”
From the beginning, Camarena approached her education with intention. She planned to pursue a business degree to gain the financial literacy her parents didn’t have. Today, her long-term goals reflect that same focus: becoming a chief financial officer while also owning her own business.
When she was exploring transfer options, a personal phone call from Chico State’s College of Business about the accounting program, student support, and internship opportunities made a lasting impression.
“I wanted to go to college to get a good job,” she explained. “Hearing how much Chico State supports students in getting internships really stood out to me.”
Since arriving on campus in 2024, she wasted no time getting involved—including adding a second major in finance to her academic plate. Within her first few weeks, she had joined the Accounting Society and began exploring other student organizations.
“All the students, staff, and faculty at the Accounting Society were super welcoming,” Camarena said. “I was also able to join Beta Alpha Psi, the accounting honor society, and became the treasurer within a semester.”
In class, she has impressed faculty with her dedication and initiative. Associate professor Angela Casler, who taught Camarena in her “Survey of Management” class, said her drive to learn “everything and anything about business, how to begin her career in accounting, and create career goals to achieve,” was highly noteworthy.
“She immediately took the initiative to attend the Career Center’s career fairs and landed her first internship! She excitedly contacted me to let me know. I really felt honored that she took the time to let me know her exciting news. . . . She exemplifies the Chico Wildcat spirit, and I am proud to be a small part of her journey.”
Camarena says one of the reasons she has been successful in class is because of the smaller faculty-student ratio and class sizes.
“I learn better in a smaller group, where I can ask questions and won’t be worried about shouting over a hundred other people,” she said. “It feels welcoming, and it’s easy to make friends and connections.”
Beyond academics, Camarena has found a strong community on campus through El Centro.
“As soon as I walked in, I saw people who looked like me, and they’re super welcoming,” she said, noting the positive difference this made to her experience. “The directors are super welcoming and offer snacks, coffee, or just a place to hang out.”
Resources, like the Educational Opportunity Program (EOP) and the Association of Latino Professionals for America, also played a role in helping her navigate campus life and build essential connections.
For Camarena, these spaces are reminders that she belongs.
As she progressed through her program, she began developing one of the most important and challenging professional skills: networking.
Through Beta Alpha Psi, she attended recruiting events and dinners with industry professionals, learning how to introduce herself, ask questions, and build relationships.
It wasn’t always easy. Like many students, she initially worried about saying the wrong thing or not knowing how to start conversations. But with practice and support from her peers, she grew more confident.
In addition to a previous internship, Camarena secured a highly competitive opportunity with global accounting firm KPMG during the winter break and early spring 2026. Leaping at the opportunity, she relocated to Los Angeles for the experience and put her training to work in a fast-paced environment during audit season.
“It was definitely interesting being right in the middle of busy season, and I think I was kind of surprised, as well as how much work we were actually doing as interns,” she said. “I feel like Chico really prepared me for that. My professors in the College of Business always encourage us to ask questions, and I think that made a huge difference for me.”
In addition to successfully completing the internship and gaining invaluable experience, Camarena also received a job offer at KPMG, which she has accepted and will begin in 2027.
Now on the cusp of graduating with employment, the self-described coffee lover and former barista is continuing to enjoy exploring local coffee shops around Chico, looking for that elusive perfect lavender latte.
She also finds creative outlets in thrifting and making floral bouquets, small but meaningful ways to unwind and express herself.
Spending time with friends helps her stay grounded, but when she can, she heads home to Yuba City to be with family.

While Chico State has played a major role in her success, Camarena is quick to point out that her journey is also rooted in the support she receives outside of campus.
Her sister’s constant encouragement and her father’s unyielding support are driving forces behind her efforts.
“It’s the small things,” she said. “They mean everything.”
For Camarena, success is as much about chasing her dreams as it is honoring the people who helped her get there.
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Opinion: Teaching kids how to manage money is now a reality in New Hampshire – Concord Monitor
Money looks — and feels — different than it did a generation ago. The era of checkbooks and paper cash is fading; in its place is an all-digital ecosystem of instant payments, peer-to-peer apps, online shopping and real‑time betting markets. That shift has changed not only how people transact, but how they think about money. If we want our children to grow into financially capable adults, schools must catch up. New Hampshire is finally doing just that.
Today’s payments are frictionless. Venmo, PayPal, Zelle and similar apps let teens split dinner bills, send gifts or trade cash for concert tickets with a tap — and without the tactile reminder that handing over cash provides. That digital ease reshapes spending psychology: abstraction and immediacy can weaken the emotional “pain” of parting with money, making impulse purchases and casual transfers feel less consequential.
Layered on top of effortless payments are prediction markets and widely available sports gambling. Betting apps normalize risk‑taking behavior and create fresh avenues for rapid losses — especially among young people who grow up seeing real‑time odds, live lines and social feeds celebrating wins. Online shopping amplifies the problem. The fewer trips consumers make to local retailers, the more normalized becomes a culture of instant gratification: one click, next‑day delivery and a new item arrives before the buyer has reconsidered the impulse.
These trends matter beyond individual households. Roughly two‑thirds of the U.S. economy depends on consumer spending. When consumers overspend, accumulate avoidable debt or lack basic savings and investment know‑how, the ripple effects are real: financial stress at home, reduced long‑term economic resilience and less stable local economies.
That’s why financial education in schools is no longer optional. For over 25 years, the NH Jump$tart Coalition has advocated teaching personal finance in classrooms across the state. This fall brings a major milestone: beginning September for the 2026-2027 academic year, New Hampshire will require a standalone half‑credit course in personal finance for graduation, in addition to the existing half‑credit economics requirement. New Hampshire joins about 30 states that have adopted similar graduation requirements — a recognition that personal finance skills are foundational, not extracurricular. Reinforcing that momentum, Governor Kelly Ayotte has declared April as Youth Financial Literacy Month, a statewide acknowledgment that building these skills must start early.
A required course gives students structured exposure to budgeting, saving, credit, debt management, insurance, investing basics and the behavioral forces that drive spending. It provides a space to discuss how digital payments and gambling products influence decision‑making, how to spot predatory financial offers and how to build financial habits that support long‑term goals rather than immediate gratification.
But passing a graduation requirement is only the first step. Teachers need support. NH Jump$tart and partner organizations are working to provide professional development and classroom resources — many at no cost — so educators can teach personal finance confidently and effectively. Free curricula, interactive simulations, lesson plans and workshops help translate policy into practice in diverse classrooms.
Our next focus must be on measurement: determining what effective financial education looks like and how to scale it. We need clear metrics to evaluate whether students leave the course with durable knowledge, sound habits, and the confidence to make smart financial choices in a digital world. Measuring outcomes will help refine curricula, target teacher training and ensure the investment actually improves financial capability.
This new requirement, bolstered by the Governor’s proclamation and years of advocacy, signals a shift in priorities: New Hampshire recognizes that helping students manage money is as essential as reading and arithmetic. With two‑thirds of the economy riding on consumer choices, teaching financial literacy is not merely a personal benefit — it’s an economic imperative. By equipping young people to navigate digital payments, resist instant gratification and understand risk, we strengthen families, communities and the broader state economy.
New Hampshire has taken a meaningful step. Now we must ensure schools, teachers, parents and students have the tools and the evidence to make that step count.
Daniel H. Hebert is the state president of NH Jump$tart Coalition. He lives in Hillsborough.
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