Ray returns to Jenni’s Uncensored Pennies after completing his six-month Homeless by Choice tour, sharing what he learned living out of his car and speaking to students across the country.

He discusses growth through unexpected connections, deepened faith, intentional habits, and the healing power of listening and seeing others with the heart.

In this episode Jenni speaks with Beverly Lowery about growing up in a small Texas town, becoming a teacher and children’s book author, and using her career to travel and teach on military bases — from Fort Bragg to Atsugi, Japan.

They discuss Beverly’s challenges and growth: overcoming fear, uprooting her family, cultural surprises in Japan, health and education differences, and her new role as a reading specialist — a story about betting on yourself and embracing new possibilities.

In this bilingual episode Jennifer interviews Montserrat (Monse) Hernández Garcilita, a former radio DJ from Celaya, Mexico, who left a successful career in 2003 to start a new life in the United States for love. Monse shares the fears, sacrifices, and unexpected rewards of moving countries, blending cultures, and building a family.

Now thriving as a voiceover artist, guest DJ and translator of Jenni’s Pennies into Spanish, Monse talks about resilience, faith in love, the importance of community, and practical lessons she learned along the way.