You know, if I have a person who comes to me and is being beat, I'm not going to be like, oh, you need to get tested, because that person might be getting beat because she or he wants to use a condom, but their partner doesn't want to and is hitting that person because they want to use condoms.

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And then I came here and found out, oh, my gosh, you need insurance -- you need this, you need that -- which I could never afford on the salary I make.

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"The pitfall was that a big influx of money can make you think, 'Oh, I'm rich now, ' but that's when you need to be careful, " Mr. Ringel says.

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