Chief Warrant Officer Dakota Goff gives insight into personal finances on USCGC Spencer (WMEC 905) during a Leadership Diversity Advisory Council (LDAC) finance basics training at sea Dec. 29, 2022. Spencer’s LDAC wanted to start conversations amongst the crew about the importance of finance by discussing types of expenses, thrift savings plans, emergency funds and investment goals. (U.S. Coast Guard photo by Petty Officer 3rd Class Mikaela McGee)