Bleep the Budget🛑💸

Spend it or save it? Choose the newer car or ditch the payment? Take one big vacation or several smaller trips?In this episode of Bleep the Budget, members of the 4Front marketing team grab their paddles for a game of Would You Rather: Money Edition. They’re revealing their choices, defending their spending habits and confessing the stores they can’t leave empty handed.The answers may be different, but one thing becomes clear: how we spend our money says a lot about what we value. There may not be a correct answer, but that won’t stop us from judging each other’s.

Buying local can sometimes cost a little more, but what are you actually getting for that extra money?In this episode of Bleep the Budget, Meghan sits down with two Traverse City chefs from Artisan and Sugar2Salt to talk about the true value behind locally sourced food. They dig into where those dollars go, the relationships between restaurants and local producers, reducing waste by using every bit of an ingredient, and why knowing where your food comes from can be worth paying a little more.Plus, with both restaurants featured at the Traverse City Food & Wine Festival, we’re celebrating the local food community that makes Northern Michigan pretty delicious.

There are a lot of checklists for buying a house. But there are plenty of things no one puts on them.In this episode of Bleep the Budget, Meghan sits down with a new homeowner, who recently traded condo living for a house while preparing to welcome his first child. He shares what the home buying process was really like, from setting a budget and making offers to navigating unexpected costs and finally getting the keys.Having purchased a home years ago, he also explains how much the process has changed, from additional paperwork and longer timelines to surprises he never saw coming.Whether you're buying your first home or your fifth, this episode is packed with honest stories, practical advice, and the financial realities of buying a home today.

How does asking for a simple insurance quote turn into a policy you never authorized, a bill you don’t owe and a collection on your credit report? Honestly, we’re still trying to figure that out. Luis, 4Front’s Chief Experience Officer, joins us to share the frustrating and slightly unbelievable story of how he fought back and finally got the mess cleared up. With more than 30 years in banking, even Luis found himself wondering, “What the bleep do I do now?” It’s proof that financial chaos can happen to anyone, but knowing how to advocate for yourself can make all the difference.

Pets bring a lot of joy into our lives... but they can also bring a few unexpected trips to the vet and some surprisingly expensive decisions.In this episode of Bleep the Budget, Meghan sits down with friend and coworker Nicole Maier, who has owned seven dogs and four cats over the past 30 years. Some have barely cost a thing. Others... let's just say they've kept the veterinarian on speed dial.Together, they talk about the expenses every pet owner expects, the ones that catch you completely off guard, how to prepare for the unexpected, and the financial choices that come with loving our furry family members.Whether you're thinking about getting your first pet or you've already accepted that your dog somehow has a more expensive diet than you do, this episode is full of honest stories, practical takeaways, and a reminder that while pets may not be cheap, most of us wouldn't have it any other way.

Divorce is never easy, and neither is figuring out what your financial life looks like afterward.In this episode of Bleep the Budget, Meghan sits down with Courtney, a single mom who opens up about rebuilding after divorce. From owning two businesses with her former husband to choosing not to use attorneys in an effort to save money, Courtney shares what worked, what she wishes she'd done differently, and the financial lessons she learned along the way.The conversation goes beyond dollars and cents. It's about starting over, making tough decisions, gaining confidence, and realizing you're capable of more than you thought.Whether you're navigating a divorce yourself or simply interested in hearing an honest story about resilience and rebuilding, this episode is a reminder that even life's biggest financial setbacks don't have to be the end of your story.

Having kids changes a lot of things. Your sleep schedule, your free time, and definitely your budget. In this episode of Bleep the Budget, Meghan sits down with fellow parent, Rebecca Clark, to talk about how becoming a parent completely changes your relationship with money. The things that once felt important suddenly don't, while expenses you never thought twice about become part of everyday life.From daycare and convenience spending to future costs that already have us sweating, we get honest about what raising kids really looks like financially today, and how different it feels from when we were growing up.Because the biggest financial surprise of parenthood isn't always how much kids cost. It's how quickly your priorities change.

This week we’re brewing up community & chaos with Scott Newman-Bale, CEO of Short’s Brewing Company and the man known as “The Magician” behind making big ideas actually happen. We dive into Short’s upcoming move into Traverse City and the exciting plans for Logan’s Landing, what it really takes to keep creativity alive without blowing the budget, and why today’s craft beer landscape is more challenging than many people realize.We also get into building something bigger than beer, creating places people connect with, leaving a positive mark on Northern Michigan, and the balancing act of growing while staying true to who you are.Plus: money talk, risk-taking, behind-the-scenes realities, and plenty more.Listen now!

What does it really take to start a business from nothing? In this episode, we sit down with a local business owner who launched her car detailing company just a few months ago, and has already experienced the highs and lows that come with building something from the ground up. From days of silent phones and slow starts to suddenly juggling more she than expected, she shares the real, unfiltered journey of getting a business off the ground. We talk about thepower of persistence, figuring out the financial side as you go, and the people and tools that helped turn an idea into something real.   

What does it really take to pull off a successful festival?In this episode, we sit down with one of the masterminds behind northern Michigan favorites, Flapjack & Flannel and Suds & Snow, to go beyond the beer, wine, and flannel, and into the real story behind the scenes.From early financial risks and unexpected costs to what actually makes these events profitable, we’re breaking down the numbers, the lessons learned, and the moments that almost made him walk away. If you’ve ever thought about starting your own event, side hustle, or business, this one’s packed with real talk you won’t hear anywhere else.

A coffee shop in a camper might sound like a fun experiment, but for Happy Camper Coffee Co it was just the beginning.In this episode, we talk about the unexpected leap from mobile setup to full storefront, how that transition happened so quickly, and the intentional choices that made it work, like keeping prices steady while everything else scaled up.It’s a story about timing, trust, and building something your town shows up for again and again.

Crocheting might look like a cozy hobby, but behind every handmade piece is time, strategy, and a whole lot of decision-making. In this episode, we sit down with the creator of Yarn Over Hook (YOH) to talk about what it really takes to turn a creative passion into a source of income. From the cost of materials and hours spent on each piece, to pricing, sellingon Etsy, and navigating craft shows, we’re breaking down the business side of handmade goods. We also get into the real questions: Is it actually profitable? What’s worth the time, and what’s not? And how do you balance doing something you love with making sure it pays? If you’ve ever thought about turning your hobby into a side hustle… this episode is your reality check, in the best way.

Ever wonder how someone turns one short-term rental into a full-blown business?In this episode, we sit down with Dan Brady, owner of Adventure North Vacation Rentals, to talk about how he started with just one Airbnb and slowly grew it into a thriving portfolio of properties. Dan shares the real story behind getting started, how he keeps each property budget-friendly, and the smart money moves that helped him grow without going broke along the way. Even better? Dan genuinely loves helping others get started in the short-term rental world, so we dig into the lessons he’s learned, mistakes to avoid, and why this business can be more accessible than people think. If you’ve ever thought about owning a vacation rental, or just love a good entrepreneurial story, this episode is packed with insight.

Picture this. You just got to your vacation spot.Beach. Slopes. Hike. Nap. Whatever your vibe is.The last thing you want to do? Grocery shop.Loading the cart. Waiting in line. Hauling bags into your Airbnb. Playing pantry Tetris when all you want is a drink and a deep breath.Now imagine skipping all of it.Today we’re talking with the co-owner of Stocked, your fairy godmother of vacation grocery shopping, the team that makes sure your fridge is full before you even walk through the door.And we’re not just talking convenience. We’re talking about what it takes to start a business like this, the financial leap, the risk, and the real lessons behind building something that solves a problem!

What would you do if the chance to buy your business space popped up weeks before your wedding...and your honeymoon was suddenly on the chopping block?In this episode, we chat with a local chiropractor about his decision to purchase a building for his growing practice. He shares the financial shifts, preparation, and real-life lessons that came with moving from tenant to owner.The plot twist? The opportunity came right before his wedding, and his wife agreed to postpone their honeymoon to help make the purchase happen. Talk about commitment; to marriage and real estate.If you’ve ever wondered whether owning your business space is worth the risk, this episode delivers honest insight, practical advice, and a behind-the-scenes look at what it really takes to make the leap.

What does a baby’s first year actually cost? (Spoiler: more than anyone casually mentions.) In this episode of Bleep the Budget, Meghan and Jenna, both new moms, share their perspective on the real expenses that show up during baby’s first year; diapers, formula, bills, childcare, and all the “wait… we have to pay for that too?” moments.We talk about what surprised us most, what felt manageable, what completely wrecked the budget, and the little wins that had a BIG impact. If you’re expecting, planning for kids, or already deep in the newborn phase, this is an honest, judgment-free look at new-mom money reality… with a little humor to survive it.

Running a nonprofit is a nonstop hustle, and even more so when you’re responsible for a 130-year-old landmark.In this episode, we sit down with Chad Lindsey, Executive Director of the City Opera House, to break down what it really takes to keep a mission-driven organization alive today. We talk about fundraising, awareness, and community support, clearing up the “opera” misconception (spoiler: there’s no opera), and the constant balancing act between honoring history and staying relevant. Add in the reality of operating like a business and a nonprofit at the same time, and the challenge gets real fast.This conversation pulls back the curtain on the behind-the-scenes work it takes to keep a historic community institution open, accessible, and thriving.

From a few shirts and hats to a thriving downtown business, Abby Clear, the unstoppable woman behind Lakes and Grapes, breaks down what entrepreneurship really looks like. The good, the hard, and the decisions that changed everything. 

Michael got married in October, and this episode asks the question every engaged couple is quietly panicking over: how the heck are people paying for weddings these days?!We talk real wedding budgets, awkward family conversations, and the behind-the-scenes decisions that can turn a “dream wedding” into a spreadsheet nightmare. From guest lists and honeymoons, to a courthouse plan that did not survive family input, this episode is equal parts relatable, chaotic, and reassuring, proof you can say “I do” without completely wrecking your finances.

In this week's episode of Bleep the Budget, We’re talking with Matt Harris, owner of Epic Power Co. who took a lifelong hobby and turned it into a career. His first “shop”? An actual bathroom he had to convert.We dig into the real costs of starting from scratch, the money decisions that matter, and what it really takes to turn passion into a paycheck, without blowing the budget.Epic story. Even more epic lessons.

In this kickoff episode of Bleep the Budget, Meghan sits down with Intrepid Cycling founder Liz Belt to talk about how a simple love for riding turned into one of northern Michigan’s most empowering cycling communities. Liz gets real about the early days, the messy middle, and the money decisions no one prepares you for.We’re talking budgeting on the fly, pricing without a roadmap, surviving the chaotic startup phase, and trusting your gut even when the numbers get loud. She’s honest, funny, and wildly inspiring, the perfect guest to launch a podcast about doing big things on a real-life budget.Interested in learning more about Intrepid Cycling? Click here!

Bleep the Budget 🛑💸 is your weekday dose of real talk about money, side hustles, and the hustle to stay afloat without losing your mind. Hosted by Meghan McDonald of 4Front Credit Union, this show skips the shame and gets into the actually useful stuff, through conversations with small business owners, nonprofit leaders, and everyday people doing big things on small budgets.It’s fun, bold, unfiltered, and yeah, there’s a little financial literacy baked in (but we promise, it won’t feel like homework).Because budgeting is hard. Swearing is fun.And money? We’re all just figuring it out.

In this week's episode of Tell Me It's Friday, we're sitting down with the City Opera House to celebrate our exciting new partnership for the 2025/2026 season! Tune in to hear all about the collaboration, what it means for the community, and how we're joining forces to bring the arts to life in new and inspiring ways.

It's time to help you plan for tomorrow or maybe even today! Learn how to budget for your future with smart, simple tips that set you up for long-term success in this week's episode of Tell me it's Friday. Tune in for expert advice, easy strategies, and a dose of fun to make your financial goals a reality!

On this week's episode of Tell me it's Friday, Nate Peterson is back to break down budgeting basics in a fun, easy-to-digest way! Whether you're just starting or looking to fine-tune your finances, Nate makes managing money simple and stress-free. Tune in for quick tips, practical advice, and a little humor to help you take control of your cash!

Get ready to level up your credit knowledge in this episode, of Dollars & Sense with Nate. Join Nate as he unveils a treasure trove of tools and tips to help you navigate the credit landscape at 4Front, like a pro. From apps that track your score to websites that offer invaluable advice, Nate’s got all the insider secrets to keep your credit game strong.

In this episode, we’re putting on our detective hats and diving into the murky waters of job and marketplace scams! Join us for a fun and insightful chat as we uncover the red flags you need to watch out for. From sketchy job postings to too-good-to-be-true offers, we’ll equip you with the savvy skills to spot the fakes and protect your hard-earned cash. 🕵️‍♀️💼✨

In this episode, we're diving into the world of credit with a splash of savvy! Join Nate Peterson, 4Front VP of Lending, as he breaks down the best behaviors to repair bad credit—what to do, what NOT to do, and how to keep your financial game strong once you've turned things around. Whether you’re on a quest to fix your score or just looking to maintain that shiny new status, Nate’s got the tips and tricks to help you navigate the credit maze. Tune in for some money wisdom that’ll have you saying, “Is it Friday yet?” 🤑✨

Get ready to dive into the wild world of loan scams in this eye-opening episode of "Risk(y) Business"! Join us as we chat with experts from the 4Front Credit Union Risk Department to uncover the latest trends in sneaky scams that could leave your wallet feeling a little lighter. We’ll share some stories about the lengths scammers will go to, along with essential tips to help you spot the red flags before it’s too late.

In this quick and lively episode of "Dollars & Sense," Nate is here to dish out the best behaviors for building credit without putting you to sleep! In just 10 minutes or less, we’ll cover the do's and don'ts of credit management, from magical payments to the art of not maxing out your cards (spoiler: it's a real credit killer!). Get ready for some fun anecdotes and a dash of humor as Nate makes credit-building feel less like a chore and more like a savvy game. Tune in and learn how to turn those credit scores into a badge of honor!

Join us for a gobbling good time on this episode of Tell me it's Friday! We're chatting with the lively crew from the Up North Media Traverse City Turkey Trot, including everyone's favorite mascot, Butterball! Discover what makes this year’s race special and hear why 4Front Credit Union proudly supports this community tradition year after year. Get ready to run, laugh, and celebrate the spirit of the season! 🦃🏃‍♂️✨ Want to sign up for the race?! Click here: https://runsignup.com/Race/MI/TraverseCity/TraverseCityTurkeyTrot

In this exciting episode of "Tell Me It's Friday," we celebrate a new partnership between 4Front Credit Union and Muskegon Community College! Join us as we chat about how this collaboration is set to empower young people with the financial knowledge they need to thrive. We’ll share fun tips, engaging stories, and practical advice to help you kickstart your money journey and make smart financial choices. Tune in and get ready to take charge of your finances!

Welcome to our first episode of Dollars & Sense with Nate! Join 4Front VP of Lending, Nate Peterson, for a quick, fun chat on this episode of Dollars & Sense, where we tackle the big question: What the heck is a credit score? In just 10 minutes or less, Nate breaks it down in a way that makes sense—no fancy jargon here! We’ll cover what a credit score is, why it matters, and how it can affect things like getting a loan or renting your next apartment. Perfect for anyone looking to get a handle on their finances without feeling overwhelmed. Tune in and get ready to boost your financial know-how!

Tune in as we dive into the world of marketing with our brand-new dynamo, Rob Marsh! In this episode of Tell me it's Friday, we’ll uncover Rob’s creative vision, discover the exciting strategies he’s bringing to the 4Front Credit Union marketing team, and get to know the person behind the plan.

On today's episode of Tell me it's Friday, we're exploring the heartwarming tradition of 4Front purchasing 4-H animals from kids at the fair and how it impacts the broader community. Join us as we chat about the benefits of supporting these future entrepreneurs.

Not all heroes wear capes! Meet the members of our risk department who are fighting back against the scammers trying to trick you more than ever before! Don't miss this episode that breaks down the latest tools scammers are using, and what you can do to not fall victim.

Ever been curious about a home equity line of credit, but had an overwhelming amount of questions about it? We've got you! Tune in to this week's episode as we sit down with our lending team to ask ALL the burning questions! *Equal Opportunity Lender*

He likes to golf, boat, and says his name is easier said then spelled! Get to know our new VP of Treasury Management and hear what he's bringing to the financial table for Michigan businesses, big and small!

It's going to be an evening you won't want to miss! Hosted by 106 KHQ's Ashley Z, The 4Front Foundation's Evening on the Diamond event is back! Listen now to hear more about our night under the lights at Turtle Creek Stadium and how you can help to support Michigan nonprofits, all in the name of fun! Get your tickets before they're gone: https://4frontfoundation.org/

It's all about balance on this week's episode of Tell me it's Friday! Join us as we learn about ways to maintain that YOLO lifestyle while also planning for your future! *Insured by NCUA*

It's graduation season and for some parents, that might also soon mean your child is off to their next adventure and out of the house! So what does that mean for you and your finances? Our team members who have been down this road already, are here to answer your questions! Tune in now!

We're a day late this week but do you know what that means?! We're one day closer to Friday! Tune in this week to Tell me it's Friday and learn about 4Front's new marketing intern, Sophia Poteet, and what she hopes to gain from her experience with 4Front this summer! Plus, a little quiz to test her credit union knowledge now, to compare at the end of the summer!

We're diving deep into the world of loan approvals. Join us on this week's episode of Tell me it's Friday as we explore how artificial intelligence is reshaping the traditional credit decisioning process, making it faster, fairer, and more efficient for credit unions and their members.

You aced the interview, rocked the first day, and scored your first solid paycheck, but now what? From mastering the art of budgeting to having a little bit of fun, we've got your back! Tune in as we sprinkle some financial wisdom, seasoned with real-life anecdotes and expert advise to help you navigate that thing they call, adulting!

On this week's episode of Tell me it's Friday, we're exploring the art of saving, even when your pockets feel emptier than a Monday morning coffee pot. Tune in and hear about some helpful tools to prepare for your future, without that treasure chest of gold coins.

Happy April Fool's Day! But hey, we promise this isn't a prank -- it's the real deal! We're unveiling our brand-new Credit Builder program designed to sweeten your financial future by helping you to establish and boost your credit score. We're also talking favorite "sleeper pick" candies so you can satisfy your sweet tooth AND your financial goals, simultaneously. What a deal! Don't miss this week's episode of Tell me it's Friday! *APR = Annual Percentage Rate. Results are not guaranteed. Improvement in your credit score is dependent on your specific situation and financial behavior. Failure to make monthly minimum payments on this and other loans by the payment due date each month may result in delinquent payment reporting to credit bureaus which may negatively impact your credit score. This product will not remove negative credit history from your credit report. 6-month and 12-month loan with a $87 monthly payment. $44 bonus awarded after completion of both phases of the program. *

Get ready for a fun-filled journey through the heart of financial innovation! On this week's episode of Tell me it's Friday, get to know our newest non-human team member, Penny, 4Front's cutting-edge virtual assistant, as well as one of our fabulous HUMAN team members who works with our VideoTellers! We'll explore how you can work with both of them to enhance your banking experience!

It's not a fun subject to talk about but with the help of 4Front's Chief Financial Officer, Karl Pagel, and Alicia Bradley from McQueen Financial Advisors, we're sure going to try to make it fun! Tune in to learn what exactly a recession means and how you can prepare. PLUS, how to keep avocados from going bad so you're not buying as many and in return helping your budget! No, we're not kidding. And your host can confirm that since the time this episode was recorded, the results of the experiment worked and her avocados lasted for weeks!

Hold on to your wallets, folks! 4Front Credit Union just slid into Aquinas College's DMs, and they've got big plans together! Join us on this special episode of Tell me it's Friday as we spill the tea on our new "partnership" that blends finance with education in a cocktail shaker of fun!

The Women's Resource Center was one of several nonprofits that benefited from the 4Front Foundation's 2023 Grant Cycle. Hear about the project they're using that money for, and how you can help!