Before the titles, credentials, and boardrooms, my understanding of money was shaped by something far more powerful—life itself. In this piece, I share a deeply personal journey that began not with ambition, but with survival. From washing clothes by the river, selling garments under the heat of the sun, to leaving home at 23 to work abroad and support my family—these were the seasons that quietly built the foundation of my financial discipline, resilience, and perspective. T

Tax season isn’t just about meeting deadlines—it’s about making sure everything is done right. In my latest PDN column, I share a “final tune-up” before filing, including lessons from experience, common pitfalls, and simple reminders to help Guam taxpayers approach filing with clarity and peace of mind. 👉 Read the full article here

Tax season doesn’t have to feel overwhelming. In my latest Money Toolbox column for the Pacific Daily News, I share simple, practical tools to help individuals and small business owners stay organized, reduce stress, and approach filing with confidence. Read the full article here

📰 Featured in Pacific Daily News (PDN) I recently shared a personal reflection and practical financial insights in my Money Toolbox column with Pacific Daily News. This article explores how everyday habits, mindset shifts, and intentional money decisions can help us reset financially for 2026 — not just through numbers, but through awareness and real-life systems that work. 🔗 Read the full article here: https://www.guampdn.com/lifestyle/money-toolbox-reset-your-money-minds

I’m honored to share that this article was originally published by Pacific Daily News (PDN) . In this piece, I explore practical insights on money, decision-making, and real-life lessons drawn from years of experience across government, nonprofit, and private-sector finance. This article reflects my ongoing mission through Money Toolbox —to make financial concepts clear, relatable, and actionable for everyday readers. Read the full article on Pacific Daily News below....

Josephine 'Josie' Guico Villanueva served as President of the Association of Government Accountants (AGA) Guam Chapter for the 2022-2023...