Life. Money. You.® Podcast

As football season kicks off and many of us start looking ahead to holiday spending, there's no better time to huddle up and create a game plan for your finances. In this special live edition of the Life. Money. You.® Podcast, we're excited to welcome back Ericka Young, Money Personality, Certified Credit Union Financial Counselor and financial well-being expert, for an engaging conversation about tackling debt with confidence and creating a strategy that works for your unique situation.Ericka shares practical, real-world guidance to help take the stress and mystery out of debt repayment. Together, we explore how to calculate a realistic debt-free date, build and protect your credit score, evaluate refinancing opportunities that could improve cash flow, and develop a focused payoff strategy, even when you're working with a tight budget. Rather than focusing on quick fixes, this discussion breaks debt management into manageable steps and provides actionable tools to help you make meaningful progress. Whether you're looking to reduce financial stress, free up money for future goals, or simply feel more in control of your finances, this episode is packed with insights to help you move forward with greater clarity and peace of mind.Resources Mentioned During the Episode:🎧Debt Reduction Calculator / Debt Snowball Calculator: https://www.vertex42.com/Calculators/debt-reduction-calculator.html🎧Life. Money. You.® Financial Well-Being Platform: https://baxtercreditunion.my.site.com/bcuwebpg/s/LMY🎧BCU Credit Builder LAUNCH Credit Card: https://www.bcu.org/credit-cards/credit-builder-visa-credit-card🎧BCU Credit Builder Loan: https://www.bcu.org/loans/credit-builder-loans🎧Life. Money. You.® Podcast: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227🎧Schedule a Financial Coaching Appointment: https://baxtercreditunion.my.site.com/bcuwebpg/s/financial-coaches🎧For Better or Worth Podcast: https://podcasts.apple.com/us/podcast/for-better-and-worth/id1665481280🎧Ericka Young: https://www.erickayoung.com/Subscribe to the Life. Money. You.® Podcast for more expert conversations, practical money tips, and financial well-being strategies designed to help you make informed decisions and achieve your goals, one smart step at a time.Join our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibilityYour host: Dani Buschick, Program Manager & Certified Financial CoachLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Thinking about buying a home but not sure where to start? In this episode of the Life. Money. You.® Podcast, host Dani Buschick sits down with mortgage experts Erman Ramos and David Sessions to break down the homebuying journey and help you move forward with confidence.From understanding your buying power and preparing your finances to navigating today's housing market, Erman and David share practical insights to help both first-time and experienced buyers make informed decisions. Whether you're planning to buy soon or simply exploring your options, this conversation is packed with actionable guidance to help you take the next step toward homeownership.🔑 In This EpisodeAssessing your homeownership readinessUnderstanding affordability and buying powerKey steps in the mortgage processNavigating today's housing marketCommon homebuying mistakes to avoidResources available to support your journey📚 Helpful Resources🏠 Meet with a Financial Coach: https://www.lifemoneyyou.com/learn/coaching🎤 Upcoming Live Events: https://www.lifemoneyyou.com/learn/live-events🎙️ Listen to More Podcast Episodes: https://www.lifemoneyyou.com/learn/podcast💡 Explore Life. Money. You.®: https://www.lifemoneyyou.com💙 Learn More About BCU: https://www.bcu.org🚀 Take the Next StepFinancial confidence starts with a plan. Subscribe to Life. Money. You.® for expert insights, one-on-one coaching, live events, and tools designed to help you build credit, crush debt, unleash savings, and achieve your biggest financial goals.Join our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibilityYour host: Dani Buschick, Program Manager & Certified Financial CoachLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Americans collectively owe trillions of dollars across mortgages, credit cards, and student loans. While national debt statistics can feel overwhelming, they don’t determine your financial future. With a clear plan and consistent steps, you can take control of your debt and make meaningful progress toward your goals.Let’s look at the three most common debt categories and a simple way to establish your own payoff strategy. 🏠 Mortgage Debt: The Largest Financial CommitmentMortgage debt remains America’s biggest debt category by a wide margin, totaling more than $12 trillion nationwide and accounting for most household debt balances*. For many households, a mortgage is a tool that helps build long-term wealth through homeownership, but it can also be the largest monthly financial obligation. Pro Tip: Occasionally, make extra principal payments to reduce the interest owed over the life of the loan. Or consider refinancing your loan for a lower interest rate. 💳 Credit Card Debt: The Most Expensive DebtCredit card debt has climbed above $1 trillion nationally, driven by higher costs and rising interest rates*. Unlike a mortgage, credit card debt often carries double-digit interest rates, making it one of the most expensive forms of borrowing. The danger isn’t usually the balance itself; it’s how long the balance stays around.Pro Tip: Leverage strategies like balance transfers and debt consolidation to make headway on paying off your credit card balance. 🎓 Student Loan Debt: The Long-Term Balancing ActStudent loan debt continues to impact millions of borrowers, exceeding $1.7 trillion nationwide*. While education can increase lifetime earning potential, student loans can delay other financial goals such as homeownership, retirement savings, and emergency funds.Pro Tip: Explore refinancing opportunities that could lower your interest rate, reduce the overall cost of borrowing, and help you reach your debt-free goal sooner.✅ Your Three-Step Debt Payoff EvaluationNumbers don’t change behavior. Plans do. Use this simple framework to evaluate your debt payoff strategy and set a debt-free date.Step 1: Calculate 📊For each debt, write down:Current balanceInterest rateMinimum paymentTotal monthly paymentCombine all your balances to arrive at your total debt amount.Step 2: Plan 📝Choose your payoff approach:🏔️ Debt AvalanchePay extra toward the debt with the highest interest rate first while maintaining minimum payments on everything else.Best For: Saving the most money on interest.⚪ Debt SnowballPay extra toward the smallest balance first while maintaining minimum payments on other debts.Best For: Building motivation and momentum.Whichever strategy you choose, consistency matters more than perfection.Step 3: Set a Debt-Free Date 🎯This is the step many people skip.Decide when you want your debt to be gone and create a realistic deadline. For example:Credit cards paid off by December 2027Student loans eliminated by June 2030Mortgage paid off 5 years earlyHaving a target date transforms debt repayment from a monthly obligation into a measurable goal. Write it down, track it quarterly, and celebrate progress. The missing piece in every debt payoff plan? The debt-free date. Create one today and take the first step toward a debt-free life. *Sources: Federal Reserve Bank of New York Household Debt and Credit Report, U.S. Department of Education Federal Student Aid, Consumer Financial Protection Bureau, and HUD. Data reflects the most recent publicly available U.S. consumer debt reporting.In case you missed it…  🎧 Listen to the latest Life. Money. You. podcast on Apple Podcasts. [LISTEN NOW] 🎥 Register for our next Podcast Live Events to participate in a future episode alongside 500+ others seeking greater financial confidence. [SIGN UP] 🤝 Need personalized guidance? Our Certified Credit Union Financial Coaches can help you review your credit, build a budget, and prepare for major purchases. [SCHEDULE SESSION]Join our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibilityYour host: Dani Buschick, Program Manager & Certified Financial CoachLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

In this virtual live event, host Dani Buschick was joined by auto lending experts Guillermo Casillas, Jaime Enriquez, and James Spannraft to help listeners navigate the car-buying journey with confidence. Whether attendees were purchasing their first vehicle, upgrading their current ride, or simply exploring their options, the session offered practical guidance for every stage of the process.Guillermo, Jaime, and James walked participants through the key steps of a successful car-buying experience, starting with establishing a realistic budget and understanding how much vehicle fits comfortably within their financial picture. They also covered the importance of completing a loan application early, helping buyers gain clarity on financing options before heading to the dealership.The conversation highlighted valuable ways members can save money through available rate discounts and demonstrated how to maximize value when evaluating a trade-in vehicle. Attendees also learned how to streamline their search using TrueCar vehicle shopping tools, making it easier to compare vehicles, research pricing, and shop with confidence.To round out the discussion, the team reviewed exclusive member pricing on vehicle protection coverages, helping listeners understand how to safeguard their investment while potentially saving money.The key takeaway? Preparation is one of the most powerful tools in the car-buying process. By understanding your budget, securing financing ahead of time, leveraging available discounts, and using trusted shopping resources, you can make informed decisions and drive away with a vehicle that fits both your lifestyle and your financial goals.🚘 Topics Covered:Establishing Your BudgetCompleting the Loan ApplicationRate DiscountsEvaluating Your Trade-InVehicle Shopping & TrueCar ToolsExclusive Member Pricing on CoveragesThis session reinforced that a little planning goes a long way toward creating a smoother, less stressful, and more financially confident car-buying experience.Check out the recording on our YouTube channel: Life. Money. You.®, LLC - YouTube | https://www.youtube.com/@lifemoneyyouJoin our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibilityYour host: Dani Buschick, Program Manager & Certified Financial CoachLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

A car purchase – or refinance – can shape your finances for years. The good news? A little planning can help you avoid costly mistakes and save thousands. If you're buying or refinancing this year, start with these three smart moves...✍️ Move #1: Know What You Can Actually AffordBefore you start looking at vehicles, start with your budget. What can you comfortably contribute to a car payment month over month? And remember, the reality is that owning a vehicle involves much more than the loan itself. Be sure to also consider these costs:InsuranceFuelMaintenance and repairsParking and tollsRegistration feesUse an auto loan calculator to estimate how much the cost of a vehicle fits your budget. Remember, a lower payment isn't always a better deal if it means a longer loan term and significantly more interest paid over time.💰 Move #2: Get Your Financing Ready Before You ShopYour credit score and financing have a major impact on the total cost of your car purchase.Before applying for a loan:Review your credit report (you can do this for free within BCU’s Digital Banking)Pay down credit card balances if possibleShop around for financing optionsConsider getting pre-approved before visiting a dealershipHaving a pre-approval helps you understand exactly what you can afford and gives you more confidence during negotiations. Sometimes a dealer's low-interest financing offer may require you to give up manufacturer's rebates; while a slightly higher-rate loan combined with available rebates can result in greater overall savings. At the end of the day, compare all financing options before making your decision.💼 Move #3: Do Your Homework and Negotiate ConfidentlyBefore buying a car, research values on TrueCar.com, read reviews and reliability ratings, and compare prices across dealerships. Be cautious of add-on warranties or maintenance packages, always test drive the vehicle, review its history report, and, if it’s used, have it inspected by a trusted mechanic.If you're trading in your current vehicle, compare the value of a dealership trade-in versus a private sale. A private sale often brings more money, while a trade-in offers convenience and simplicity. When it's time to negotiate, keep each part of the transaction separate:Vehicle priceTrade-in valueFinancingAdd-ons and warrantiesAnd most importantly, be willing to walk away if the numbers don't work for you. Don't tell a salesperson the maximum amount you're willing to spend. The more informed and confident you are, the stronger your negotiating position becomes – you got this!👉 Helpful ResourcesGetting started with buying a car        🔗 Read NowBuying or leasing a car        🔗 Calculate NowShopping for a car         🔗 Watch NowBudgeting Tool – Located in your Virtual Library         🔗 Listen NowIn case you missed it…  🎧 Latest Life. Money. You. listen on Apple Podcasts. Listen Now | https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227🎥 Register for our next Podcast Live Event – Car Buying Tips & Tricks – on August 5 @ 11am CT to be in a future episode alongside 500+ others seeking greater financial confidence. Car Buying Tips & Tricks | https://events.zoom.us/ev/AqheBB4-wj0s7MlID-pgfMX0ge48n0N6lzI-wyZKYMRg3-gt38cz~ArPIyQaLjtkxKVsatyLNj9IdxUzw5D4DHNssiMIFn-OBoaCLQJMWVMHPXQ🤝 Need personalized guidance? Our Certified Credit Union Financial Coaches (CCUFC) can help you review your credit, build a budget, and prepare for major purchases like a vehicle. Meet Now | https://baxtercreditunion.my.site.com/bcuwebpg/s/financial-coaches?_gl=1*1rj6uqi*_gcl_au*MTYzMDY2NTIyMy4xNzU5MTY0MzM4*_ga*MTI3NDc2MjUzMS4xNzUxMzg2NTU1*_ga_DJKEQ92T3K*czE3NjI5NTk4NzEkbzI5NiRnMSR0MTc2Mjk2MDMyNCRqNTAkbDAkaDA.*_ga_2D0485LQQD*czE3NjI5NTk4NzEkbzI5NiRnMSR0MTc2Mjk2MDMyNCRqNTAkbDAkaDA.Join our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibilityYour host: Dani Buschick, Program Manager & Certified Financial CoachLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

In this episode, host Dani Buschick is joined by Alejo Torres, Madelyn Osel, and Krish Shah to explore the real cost of college beyond tuition and student loans. Together, they break down the expenses families often underestimate, including housing, meal plans, books, laptops, transportation, move-in costs, social activities, and unexpected emergencies.Drawing from both personal experience and research, the group discusses what expenses are truly required, which costs are optional, and how students and families can make smarter financial decisions before and during college. Alejo shares the perspective of a parent preparing to send a child to college, while Madelyn and Krish provide firsthand insight into student spending habits and practical ways to save money without sacrificing the college experience.Whether you're a student, parent, or simply planning ahead, this conversation offers actionable tips on budgeting, minimizing borrowing, and avoiding common financial surprises. Special thanks to Krish for leading much of the episode research, with sources including Student Choice, Business Insider, Citizens, College Board, College Raptor, Admissionly, and other higher education cost studies.Join our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibilityYour host: Dani Buschick, Program Manager & Certified Financial CoachLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

In this episode, Dani and Kim are joined by Jin Woo Chung from the Financial Health Network to explore the financial realities of caregiving in America. For many workers, stepping away to care for a loved one means an immediate loss of income alongside new caregiving expenses. With many households already stretched thin, even a short leave can create significant financial strain.We discuss the difficult tradeoffs caregivers often face, from reducing discretionary spending and retirement contributions to delaying preventive healthcare. Jin Woo also examines the uneven access to paid family leave, why many workers don't use available benefits, and the barriers that continue to leave caregivers vulnerable.The financial impact of caregiving often extends long after leave ends, affecting savings, debt levels, and future earnings. We also explore the role of programs like Medicaid and why stronger support systems are critical for helping caregivers balance family responsibilities without sacrificing their long-term financial well-being.Read the full brief here: Essential Benefits: Paid Family Leave | https://finhealthnetwork.org/wp-content/uploads/2026/04/Essential-Benefits-Brief-2025-Paid-Family-Leave.pdfJoin our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibilityYour host: Dani Buschick, Program Manager & Certified Financial CoachLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

In this podcast live event, Midyear Money Reset, hosts Dani and Kim invited listeners to pause at the halfway point of the year and take a fresh look at their financial goals. It was all about creating space to reset, refocus, and move forward with intention.Dani and Kim walked through five simple, actionable ways to reset your money mindset (referring to Ericka Young, Money Personality, clips from earlier in the year) — reminding us that financial progress starts with how we think and feel about money. From reframing limiting beliefs to building small, sustainable habits, they shared practical tips that feel both approachable and empowering.To bring these concepts to life, they also demoed the Mindfulness tab within the virtual LMY Library. This walkthrough highlighted how easy it can be to incorporate moments of awareness and reflection into your financial routine.The key takeaway? Mental and financial health are deeply intertwined. By practicing mindfulness, you can reduce stress, gain clarity, and make more intentional financial decisions — setting yourself up for a more balanced and confident second half of the year.Check out the recording on our YouTube channel: Life. Money. You.®, LLC - YouTube | https://www.youtube.com/@lifemoneyyouJoin our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibilityYour host: Dani Buschick, Program Manager & Certified Financial CoachLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Grocery delivery has quickly shifted from convenience to routine. With a few taps, groceries arrive at your door, saving time and easing the pressure of busy weeks. In fact, nearly 80% of people have tried grocery delivery at some point, showing just how widespread it has become.That makes it worth a closer look: is grocery delivery helping your budget, or quietly stretching it? Let’s get into it.⏱️ The Convenience Factor: Time, Access, and ControlThere’s no doubt that grocery delivery can be a powerful tool. For many families, it’s about more than convenience – it’s about access. Delivery can be especially valuable for:Individuals living in rural areas or food desertsHouseholds without reliable transportationThose who want to avoid rising gas costsBusy families juggling work, caregiving, and packed schedulesIndividuals who may find it physically challenging to lift or transport heavy itemsIt also has a surprising financial upside for some shoppers. When used intentionally, grocery apps can actually help reduce impulse spending. Why? Because you’re building your cart with a plan, not reacting to in-store displays, endcaps, or last-minute cravings.In fact, behavioral research has shown that online grocery shopping can reduce unplanned purchases by removing sensory triggers like smells, product placement, and in-store promotions. For goal-focused shoppers, that structure can support better budgeting habits.💸 The Hidden Costs: Fees, Nudges, and “Just One More Thing”At the same time, convenience often comes with tradeoffs. Delivery fees, service charges, and tips can add up quickly – sometimes increasing your total grocery bill by 10-30%. But the more subtle impact comes from how grocery apps are designed. Many platforms use:Personalized promotions based on your past purchases“Recommended for you” add-onsLimited time deals that create urgencyThese features are built to increase spending – and they work. It becomes easy to add one extra item here, another there, until your total is higher than expected. Then there are the real-life frustrations:Receiving less-than-perfect produceLimited control over substitutionsComplicated or inconsistent return policiesAnd for some households, food safety during delivery – especially with perishables – remains a concern.🔍 A Closer Look at Pricing Transparency from Consumer ReportsA late-2025 Consumer Reports investigation looks into how pricing works on grocery delivery platforms – and it highlights why this is such important information for consumers to understand.The report found that, in some cases, shoppers were shown different prices for the exact same items, at the same store, at the same time. This raises meaningful questions about algorithm-driven pricing, data usage, and fairness in the digital marketplace. While companies like Instacart have denied intentionally varying prices in this way today, the reality is that the technology exists to tailor pricing based on consumer behavior, preferences, or other data signals.Understanding how these systems may work is essential. It empowers you as the consumer to make more informed decisions, recognize potential inconsistencies, and advocate for greater transparency – ultimately helping ensure a more equitable shopping experience for everyone.✅ The Bottom LineSo, is grocery delivery worth it? The answer depends on your priorities. Here are a few practical tips to help you stay in control when it comes to your weekly grocery:Set a cart limit before you start shopping to avoid overspendingCompare in-store vs. app pricing for frequently purchased itemsUse delivery selectively for busy weeks – not every tripReview fees and tips upfront so there are no surprises at checkoutStick to your list and avoid browsing “recommended” sectionsConvenience has real value – but so does intention. When you understand the tradeoffs, you can use grocery delivery as a tool, not a budget trap.👉 Helpful ResourcesThe Real Cost of Grocery Delivery – Our recorded conversation 🔗 Listen NowConsumer Report – Referenced throughout our episode 🔗 Read MoreBudgeting Tool – Located in your Virtual Library 🔗 Listen NowIn case you missed it…  🎧 Latest Life. Money. You. listen on Apple Podcasts. ‎Life. Money. You.® Podcast - Podcast - Apple Podcasts | https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227💰 Register for our next Podcast Live Event on August 5 @ 11am CT to be in a future episode alongside 500+ others seeking greater financial confidence. Car Buying Tips & Tricks | https://events.zoom.us/ev/AqheBB4-wj0s7MlID-pgfMX0ge48n0N6lzI-wyZKYMRg3-gt38cz~ArPIyQaLjtkxKVsatyLNj9IdxUzw5D4DHNssiMIFn-OBoaCLQJMWVMHPXQ* https://www.consumerreports.org/money/questionable-business-practices/instacart-ai-pricing-experiment-inflating-grocery-bills-a1142182490/ Join our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibilityYour host: Dani Buschick, Program Manager & Certified Financial CoachLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Tipping isn’t what it used to be — and most of us feel it. From coffee counters to checkout screens, what once felt optional now feels expected almost everywhere.In this episode, we break down the rise of “tipflation” and what’s driving the shift — from digital payment prompts to pandemic-era habits and changing wage structures. With 72% of Americans saying tipping is expected in more places today, it’s no surprise many are feeling confused, pressured, or even fatigued.We explore how tipping impacts both workers and consumers, why expectations vary across industries, and whether tipping has become less about service and more about filling income gaps. Plus, we share practical ways to navigate tipping with confidence — so you can stay generous without stretching your budget.Whether you’re wondering when to tip, how much is appropriate, or how to handle those awkward checkout screens, this episode will help you make smarter, more intentional choices.Sources: Pew Research Center, CNBC, USA Today, Dave RamseyJoin our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibilityYour host: Dani Buschick, Program Manager & Certified Financial CoachLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Grocery delivery has gone from a nice‑to‑have to everyday life for a lot of households. But here’s the real question: is it actually helping your budget, or quietly making things more expensive?In this episode, Dani, Kim, and Warren dig into the real tradeoffs of grocery delivery using personal experiences, workplace conversations, and examples that feel very familiar. Each of us comes at it from a different angle. One is pro, one is anti, and one is undecided, which makes for an honest, well‑rounded conversation.We talk through why grocery delivery can be a huge time saver and accessibility tool, especially for people living in rural areas, food deserts, or without reliable transportation. For some shoppers, delivery can also make it easier to stay focused, plan ahead, and avoid impulse buys that often sneak into the cart in‑store.Then we get into the downsides. From tipping fatigue and disappointing produce to food safety concerns and frustrating return policies, we unpack where grocery delivery does not always live up to the promise. We also talk about how grocery apps are designed to encourage spending through targeted promotions, add‑ons, and personalized nudges that make it easy to spend more than you planned.The episode also references a Consumer Reports investigation from late 2025 that looked at Instacart’s AI pricing experiments. The report found that some shoppers were charged different prices for the same items at the same store and time. That raises important questions about transparency, fairness, and how consumer data is being used.👉 Read the Consumer Reports investigation //  https://www.consumerreports.org/money/questionable-business-practices/instacart-ai-pricing-experiment-inflating-grocery-bills-a1142182490/We wrap up with practical takeaways to help you decide when grocery delivery makes sense for your life. Convenience has real value, and so does staying in control of your money.Join our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibilityYour host: Dani Buschick, Program Manager & Certified Financial CoachLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Housing Market Update: What to Know Right NowIf you’re in the market for a new home, chances are you’ve encountered higher prices and limited housing for sale. Luckily there has been an increase in active listings recently, and interest rates have stabilized, however, the market continues to reflect broader economic uncertainty.Hesitation around major financial decisions is understandable with global conflict impacting energy prices and driving up the cost of living. Rising inflation could also mean that interest rates will not go down in the short term. Despite these challenges, homeownership is still one of the primary pathways to build wealth, and if the numbers are right, making a move can still be a viable investment decision.📊 Mortgage Rates: Context MattersRates are currently in the mid 6% range.That’s still below the 40‑year historical average of ~7.5% (per Callahan and Freddie Mac*).Recent years of unusually low rates reset expectations, making today’s environment feel tougher than it is historically.That said, the lack of projected rate cuts has real implications. Affordability remains stretched, and housing costs continue to outpace income growth — especially for first‑time and younger buyers.🏠 Renting vs. Buying: A More Flexible Mindset The rent vs. buy decision is more nuanced than it used to be:Renting can offer flexibility during uncertain economic periodsBuying may still support long‑term wealth building for households with stable financesHowever, many are viewing homeownership differently: it’s no longer a “forever” decision. Many buyers, especially first-timers, stay in their first home five to seven years, then move as income and family needs grow. This shift has increased interest in Adjustable-Rate Mortgages (ARMs). Features include:The interest rate changes periodically over the life of the loan, unlike a fixed-rate mortgage, which has a constant interest rate for the entire term.The introductory rate is usually lower than a traditional fixed-rate mortgage, making it an attractive option if you know you are not going to stay in the home long term.Should needs change or rates become more favorable, refinancing can be an option, prioritizing future flexibility over stretching affordability upfront.🌱 Younger Buyers Face a Growing GapCallahan data shows many Gen Z consumers lack confidence and clarity around financial institutions and savings opportunities as well as making major decisions like homeownership*. Like anything, investing time to learn more and planning ahead can create positive outcomes and enhance financial security. Getting started with affordability tight and uncertainty high might seem daunting but building strong habits early matters more than ever:Emergency savings. First make sure you are covered for unforeseen expenses like home repair or a job loss. Automate savings any way you can to build up to 3-6 times your monthly expenses. This will be essential as a homeowner.Down‑payment planning. Consider your housing budget and how much you will need for a down payment. Costs can be anywhere form 10-20% of your purchase price, depending on your lender and any first-time homebuyer programs you may qualify for.Credit and equity education. The better your credit, the better your rate and on a mortgage, saving you a lot of money over time. Speaking of time, knowing your equity position in your home is key. Your down payment plus your monthly principle payment adds to your equity which can be used as a down payment for your next home or borrowed against for emergencies / home improvements.These steps create options — whether buying a home is the next step or not.✅ The Bottom Line Building long‑term wealth remains the goal when it comes to buying a home, but this isn’t always the right move for everyone. Housing decisions should support financial stability, not compromise it. Whether renting, buying, or waiting, aligning housing choices with overall financial well‑being is what truly sets households up for success.👉 Helpful Resources BCU’s First-Time Homebuyer Program – Low down payments option 🔗Learn MoreHome Buying Hub – A step‑by‑step course to the process 🔗 Explore Home BuyingRent vs. Buy Calculator – Compare the numbers side by side 🔗 See the Comparison ToolsToday’s Mortgage Rates – Understand the current landscape 🔗 View Current RatesFinancial Checkup – Personalized insights and next steps 🔗 Start Your CheckupFree 1:1 Financial Coaching – Judgment‑free guidance, on your terms 🔗 Talk with a Financial CoachJoin our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibilityYour host: Dani Buschick, Program Manager & Certified Financial CoachLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

In this episode, we explore how BCU members can use Digital Banking to track spending, understand credit health, and set meaningful financial goals that align with what matters most. Recorded during a live Zoom session, the conversation offers practical guidance, real examples, and a guided walk‑through of resources designed to help you build confidence and momentum in your financial life. Because financial well‑being isn’t a destination — it’s a partnership, and Digital Banking is here to support you every step of the way.Check out the video on YouTube: https://youtu.be/7YOmUW8BTrc?si=RREvO2_4TrD1KcTJJoin our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibilityYour host: Dani Buschick, Program Manager & Certified Financial CoachLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Life happens – and when it does, an emergency fund can make all the difference. In this episode of Life. Money. You., we break down how emergency savings protect more than your money – they protect your peace, your plans, and your momentum.You’ll hear a real‑life story about Kim, a parent juggling family goals who avoided stress and debt thanks to a simple emergency savings habit. When an unexpected car repair hit, her fund didn’t just fix the problem – it kept everything else on track.We also cover practical, realistic ways to build emergency savings no matter where you’re starting, including:✅ Pay Yourself First – Automate savings to remove friction and build momentum ✅ Zero‑Based Budgeting – Give every dollar a job to prevent money drift ✅ Percentage Budgeting – Let savings grow as income grows ✅ Savings Sprints – Use short‑term challenges to jump‑start confidenceWith nearly half of U.S. households unable to cover a $1,000 emergency without debt, this episode focuses on progress – not perfection. Even small savings can significantly reduce stress when life throws a curveball.🎯 Key takeaway: Emergency savings aren’t about waiting for something bad to happen – they’re about making sure one tough moment doesn’t derail everything you’re building.👉 Next step: Explore The LMY Library Course: Setting Up an Emergency Fund to get started with confidence. https://lifemoneyyou.bcu.org/courses/emergency-fund 🎧 Don’t miss:Listen on Apple PodcastsRegister for our BONUS Live Podcast Event on May 19 at 12pm CT and join 500+ others working toward greater financial well‑being: https://events.zoom.us/ev/AoqtedOfPAxlI241WSIPe4GpjM5vkySfoh2JgUy-bN_J96Vq79oI~AuHH_siLF37mqQeEMnbdozRqcGVyCzdMa5l3bSq525gHdKvMqKYDdMROcQ✨ May the emergency fund be with you!Join our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibilityYour host: Dani Buschick, Program Manager & Certified Financial CoachLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Most people don’t need another budgeting lecture – they need help navigating real-life financial decisions with confidence. Dani and Kim dig into the seven most common (and complex) questions showing up in coaching today, from debt and credit to retirement tradeoffs, family pressures, and what to do when you finally have extra money. If your finances feel more complicated than the advice you hear, this episode is for you.Why Coaching Helps Financial coaching helps you prioritize progress over perfection and build a plan that fits your goals, values, and real life. If these questions sound familiar, a coaching session can help you get unstuck, create a clear plan, and move forward with confidence. Schedule time with a coach: BCU.org/Coach or LifeMoneyYou.com/Better-Money-Moves/CoachingJoin our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibilityYour host: Dani Buschick, Program Manager & Certified Financial CoachLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Building financial well‑being doesn’t require a major overhaul – it’s about staying steady through change and having the flexibility to handle whatever life brings. In this episode, we’re celebrating Financial Literacy Month by focusing on financial flexibility: the ability to adapt, make confident decisions, and keep moving toward what matters most.We break down three simple, high‑impact ways to strengthen your financial foundation – using trusted resources from Life. Money. You.® and tools from BCU, a credit union fiercely committed to your financial well‑being.🌱 Build (or Refresh) Your Emergency SavingsUnexpected expenses happen. An emergency fund helps reduce stress and protect your long‑term goals. We talk about how even small, consistent contributions – like automated weekly or bi‑weekly transfers – can create peace of mind over time. 🔗 Learn more: https://www.bcu.org/banking/savings/rainy-day-savings📈 Strengthen Your Strategy with High‑Yield SavingsOnce your emergency fund is underway, putting extra savings in higher‑yield options like CDs can help your money grow without changing your habits. We explore how these tools can add flexibility while keeping your funds accessible. 🔗 Explore options: https://www.bcu.org/banking/savings📱 Simplify with the Digital Banking AppManaging money doesn’t need multiple apps. BCU’s Digital Banking App brings spending insights, transfers, credit tracking, and account management into one secure place – saving time and mental energy. 🔗 Get started: https://www.bcu.org/banking/digital-banking✅ One Small Step Can Make a Big DifferenceChoose just one action this month:Increase your emergency fund contributionOpen or explore a high‑yield savings optionDownload the Digital Banking App and customize alertsFinancial flexibility is built one intentional step at a time – and this episode helps you decide where to start.Join our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibilityYour host: Dani Buschick, Program Manager & Certified Financial CoachLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

In this episode, Dani sits down with Hassan Thomas who shares a powerful personal story shaped by life as a college football player balancing academics, athletics, injury, and finances. He reflects on the moment money shifted from being a background concern to a daily stressor, including the eye‑opening reality of managing financial decisions with long‑term consequences in mind. His experience mirrors what many Gen Zers face with finances today.The conversation moves into life after graduation, where Hassan describes the transition from the structure of college athletics to full financial independence. First paychecks, then bills, and looming loan payments. Through trial, error, and habit‑building, Hassan reframed money not as something to fear, but as something to intentionally build a relationship with.Dani and Hassan then break down the fundamentals. Hassan shares how budgeting became a source of clarity rather than restriction, credit became a measure of consistency rather than perfection, and student loans became manageable once he replaced fear with understanding. These insights underscore a central theme of the episode – that knowledge and small, repeatable habits can create stability even in an uncertain economy.The episode closes with a forward‑looking discussion on Gen Z, social media, and AI. Hassan highlights how young adults are simultaneously empowered and overwhelmed by digital financial advice, emphasizing the importance of context, discernment, and human guidance. Technology can support financial learning, but it shouldn’t replace trusted educators and coaches.Join our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibilityYour host: Dani Buschick, Program Manager & Certified Financial CoachLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

In this Life. Money. You.® Podcast Live episode, Dani sits down with Certified Financial Coaches Sam and Shannon to explore how to “Spring Forward” with your credit and debt strategy. They break down what really goes into your credit score and why awareness – of balances, habits, and so much more – is the foundation of meaningful change.Sam and Shannon share how credit utilization, refinancing, consolidation, and even equity can be used strategically when they fit someone’s overall financial picture. They highlight real member stories that show the power of recharacterizing debt, taking advantage of better rates, or using auto or home equity to create breathing room and long-term momentum.The coaches also discuss simple, everyday habits that boost credit health over time, from on-time payments and intentional card usage to lifestyle shifts that save money without sacrificing joy. They share approachable ways to start small, build confidence, and use tools like secured cards or credit builder loans to move toward bigger financial goals.The episode wraps with a look at common credit and debt scams – like fee-heavy consolidation companies or Buy Now Pay Later traps – and reminders about the trustworthy, free support available through financial coaching. Join our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibilityYour host: Dani Buschick, Program Manager & Certified Financial CoachLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

We ran into a few internet hiccups while recording this episode, so you may notice some brief delays and interruptions. Thanks for sticking with us — we appreciate your support, and we hope you enjoy this candid conversation!On this episode of the Life. Money. You.® Podcast, Dani sits down with Alejo and special guest Phil, Executive Director of the Higher Education Financial Wellness Alliance (HEFWA). Together, they dig into the real financial challenges students face while navigating college costs, financial aid, and the pressure to make the “right” decisions about their future.The conversation opens with a look at financial anxiety among students and how factors like rising living costs, job uncertainty, and day‑to‑day expenses impact mental health and academic performance. Phil shares what he sees on campus and how early support can help students stay grounded and engaged.From there, the group explores common financial barriers that prevent students from completing their degrees. They discuss underestimated expenses like housing, books, and transportation, as well as the added pressures faced by first‑generation and lower‑income students—along with practical ways families can better prepare. The episode breaks down FAFSA misconceptions and why so many students delay or avoid the process altogether. Phil highlights the forms of aid families often overlook, including grants, campus‑based funding, and community scholarships—plus the importance of treating scholarship applications like a part‑time job that truly pays off.Next, the group covers budgeting strategies that actually work for students, emphasizing small steps, visibility into spending, and the campus resources that often go unused—from financial counseling to textbook sharing programs. They also acknowledge that budgeting alone doesn’t fix systemic challenges many families face.In the final segment, the trio discusses long‑term opportunities, the ROI of a college degree, and why students feel anxious about the job market. Phil shares how he helps students balance short‑term cost with long‑term goals and why completing a degree remains one of the strongest investments in stability and opportunity. The episode closes with Phil’s biggest piece of advice: ask questions early, avoid assumptions about aid eligibility, and don’t be afraid of loans or learning.Join our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibilityYour host: Dani Buschick, Program Manager & Certified Financial CoachLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

This episode spotlights quick, practical ways to power up your financial well‑being—because money confidence isn’t a one‑time project. Whether you’re tackling debt, gearing up for tax season, or building credit momentum, we walk through small actions that create big impact over time.💳 Reduce Debt with ClarityLearn how reviewing interest rates, choosing a smart payoff strategy (like snowball or avalanche), and trimming recurring expenses can put you back in control. Plus, hear how a Financial Coach can help tailor your personal debt‑reduction plan.🧾 Tax Season Tune‑UpWe break down what documents to gather, reputable tools to consider (like TurboTax), and when connecting with a Wealth Advisor may help you align your tax and investment strategy.📈 Credit Care MomentumHealthy credit thrives on consistent attention. We explore pulling your credit report, setting activity alerts, and keeping an eye on credit utilization to strengthen your long‑term financial picture.⚡ Power Up Your Financial Well‑BeingRising costs are affecting everyone—so this episode focuses on support, not perfection. Financial coaching is free, confidential, and designed for all ages and income levels. Learn how to use the Life. Money. You. Library and coaching sessions to build confidence at your own pace.🎧 In Case You Missed ItListen to our latest Life. Money. You. episode on Apple PodcastsSign up for our next Podcast Live Event: March 10 @ 11am CTExplore the 2026 Scholarship Program—30 awards up to $10,000 each!Join our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibilityYour host: Dani Buschick, Program Manager & Certified Financial CoachLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Start your year with clarity and confidence as Dani and Kim walk through the essential building blocks of a true “fresh start” in your financial life. In this episode, they break down practical strategies, real member stories, and helpful tools designed to meet you wherever you are on your financial journey.Dani opens by sharing the power of creating shared financial systems—like opening a joint account for major expenses—and how equal, predictable contributions can support communication, reduce stress, and keep big goals like homeownership on track. From there, listeners are invited to choose their priority for the year: building credit, crushing debt, or unleashing savings. This simple framework helps anchor the episode’s guidance to your personal goals.Kim then brings listeners into a powerful member story: navigating finances after losing a spouse, learning to budget from scratch, and taking steady steps to rebuild credit. Through her experience, the episode highlights why saving isn’t just about money—it’s about creating a safety net, reducing stress, opening doors to future opportunities, and feeling empowered in every financial decision.You’ll also learn how to make the most of tax refunds and other unexpected windfalls. Kim shares insights on using these funds to strengthen your financial foundation—whether that’s through secured credit tools, boosting emergency savings, or setting up future‑focused goals—while avoiding lifestyle inflation.To help listeners put ideas into action, the episode walks through a simple, approachable $500 Savings Challenge: saving $125 each week, tracking progress using checklists or digital tools, and celebrating small wins that build long‑term habits. It’s a structure designed to help anyone build momentum—one week at a time.Dani and Kim also spotlight several BCU and LMY resources that make financial progress easier, including Rainy Day Savings, the LMY Library, budgeting worksheets, and tools to create personalized savings goals. They also touch on member‑friendly education around certificates, money markets, and other savings options.Before close, the episode encourages listeners to explore the BCU 2026 Scholarship Program, a reminder that sometimes the biggest financial wins come from investing in learning, growth, and future opportunity. BCU.org/ScholarshipIf you’re ready for a grounded, encouraging, and practical reset, this episode gives you the steps—and the confidence—to start fresh.Join our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibilityYour host: Dani Buschick, Program Manager & Certified Financial CoachLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

In this edition, we’ll explore three key areas where financial aid can make a big difference and help you take your financial well-being to the next level.🎓Student Loans: Big Plans, Bigger DreamsStudent loans can be a powerful tool, when managed wisely.Quick Tips:Borrow only what you need – start with federal loans before private options.Understand repayment plans early to avoid surprises later.Check out our Loan Calculator in the Life. Money. You.® Library for personalized estimates.👨‍👩‍👧 Family Aid: Education is a Team EffortFamilies can play a big role in making higher education possible.Did you know? 529 savings plans can grow tax-free for education expenses!Action Step: Start the conversation about college costs early and explore our Family Aid Guide in the Life. Money. You.® Library.Check out our Minimizing Student Loan Debt podcast episode for more insights on funding your education.🌪 Emergency Support: When Life HappensNatural disasters and unexpected hardships shouldn’t derail your education.Options to Explore:Emergency grants and hardship fundsTemporary loan deferments during crisesFind detailed steps and support programs in our... Subscribe for the full newsletter: LifeMoneyYou.com.Join our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibilityYour host: Dani Buschick, Program Manager & Certified Financial CoachLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

In this episode, Dani Buschick connects with Hannah Gdalman from the Financial Health Network and Warren Bell from the Life. Money. You. team to unpack the rise of Buy Now, Pay Later (BNPL) and how it’s shaping everyday financial health.What You’ll Learn:What BNPL Actually Is A simple look at how “Pay in 4” works—and why it's so appealing to consumers today.Who’s Using It Gen Z, Millennials, and Gen X are leading the way, drawn in by convenience and a desire to avoid credit card interest.How It Impacts Budgets Because payments come straight from checking accounts, multiple installments and big bills could be a surprise overdraft waiting to happen.Early Signs of Financial Strain Loan stacking, or using BNPL to cover everyday expenses, can be a signal of growing budget pressure.The Behavioral Side Lower “pain of payment,” frictionless checkout, and optimistic future thinking all make BNPL feel safer than it really is.Credit Health ImpactMaking on-time payments using BNPL doesn’t help build your credit; However, missing payments using BNPL can harm your credit.How to Use BNPL Safely:Keep it to one active BNPL plan at a timeStick with one platform so you can easily track paymentsAlign installment dates with your paychecksRemember: BNPL = real debt, not bonus moneyMain Takeaway:BNPL isn’t inherently good or bad—it’s just a tool. Used thoughtfully, it can help smooth out cash flow. Used without a plan, it can quietly strain your budget.Before hitting “Pay Later,” ask yourself:Do I actually need this right now?Can I comfortably cover every installment?How many other debts or BNPL plans am I already managing?Join our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibilityYour host: Dani Buschick, Program Manager & Certified Financial CoachLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Join our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibilityFeatured guest: Ericka Young: https://www.erickayoung.com/With nearly two decades of experience as a financial coach, Ericka has empowered over 500 families to take control of their finances and liberate themselves from the shackles of debt.Your host: Dani Buschick, Program Manager & Certified Financial CoachLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Welcome to the Life. Money. You. Podcast - your dose of financial confidence and clarity! This episode is part of our monthly newsletter series - new this year. If you love what you hear and want these tips delivered straight to your inbox, make sure to subscribe at LifeMoneyYou.com.Ready to Make 2026 Your Best Financial Year Yet? Lock In. Whatever goals and resolutions you’re committing to, you’re going to crush them. Just remember to make them SMART: Specific, Measurable, Achievable, Realistic, and Timely. Examples of SMART goals:• I will commit to saving $50 more to my Vacation Savings Account from every paycheck.• I will pay off $200 of credit card debt each month until it’s gone.• I will journal about my goals for at least 10 minutes daily.Need inspiration? Try these financial well-being habits:• Journal your financial dreams daily. Spend 5 minutes writing about your money goals - whether it’s starting a business or planning a big vacation. Writing reinforces commitment and clarity.• Meet with a financial coach monthlyYou see a trainer for fitness - why not a coach for your finances? A 30-minute check-in keeps you on track and ensures you have a plan to reach your goals.• Plan for retirement weeklyJust 15 minutes a week can make a big difference. Research savings and investment options yourself or schedule time with a wealth advisor to dive deeper. Start now, and future you will thank you!Three moves to build momentum in 2026:1.  Title Your Account by GoalRename your savings account to something motivating such as: THAT Vacation, My Big Move West, or Baby On The Way.2.  Practice Makes ProgressCelebrate small wins - every penny counts! Recognize incremental successes that lead to your big goal.3.  Check In WeeklyReflect on your progress. What’s motivating you most, and why? Use that energy to fuel the week ahead.Next Event: The Great ‘Lock In’ Ft. Ericka YoungWhen: January 14, 2026Time: 11:00 AM CSTWhere: ZoomJoin us for an interactive session packed with tips, tools, and motivation to make your financial goals stick! Your financial well-being matters. Let’s make 2026 the year you really ‘lock in’. Register nowJoin our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibilityYour host: Dani Buschick, Program Manager & Certified Financial CoachLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Featuring Kim Chavez, Certified Financial Coach, this episode dives into what Life. Money. You.® is, how it stands apart from other financial wellness programs, and the services it offers to help anyone improve their financial health. It also answers common questions about coaching, resources, and the unique partnership with BCU that powers this holistic approach. Host: Dani Buschick, LMY Program Manager  Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com TodayLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Featuring Kim Chavez, BCU Financial Well-Being and Coaching Lead (1:09), on a snapshot of the student loan landscape and how it impacts your financial goals, Christie Dean, BCU Senior Manager of Portfolio Management and Experience (8:05), on the different types of loans and repayment options you need to know, and Sam Edwards, BCU Branch Experience Manager (21:46), on strategies to choose the right repayment plan and avoid common pitfalls. Host: Dani Buschick, LMY Program Manager  Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com TodayLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Featuring Hannah Blumberg, BCU Corporate Communicates Manager, (0:48), on practical methods for reviewing your closet, joy and color theory, Kim Chavez, BCU Financial Well-Being and Coaching Lead, (12:18), on resale, spotting fraudsters, and building your online reputation, and Katlyn Stafford, BCU Branch Experience Manager, (24:35), storage techniques, maternity resale, and garage sale hacks. Host: Dani Buschick, LMY Program Manager  Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com TodayLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Featuring Tiffani Tolbert, BCU Security Operations Senior Manager (0:47), on what cybersecurity awareness month is and key parts to the 2025 theme, Marlene Koskotas, BCU Senior Investigator Level II, and Nickie Christianson, BCU Account Protection Senior Manager (8:37), on the role AI plays in cybersecurity and account protection, and the importance of evolving with technology. Host: Dani Buschick, LMY Program Manager  Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com TodayLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Featuring Megan Kelly, BCU HR Talent Acquisition & Benefits Senior Director, and Safaa Syed, BCU HR Benefits Senior Manager (0:50), on questions to ask yourself as you approach open enrollment, the differences between HSA and FSA to help uncover the best coverage for you and your family, and other benefit plan tips.Host: Dani Buschick, LMY Program Manager Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com TodayLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Featuring Wes Dumalski, BCU Mortgage Business Consulting & Learning Manager (0:30), on private mortgage insurance versus mortgage insurance premium, and their connection to FHA loans, Erman Ramos, BCU Retail Mortgage Sales Regional Manager (9:24), on the homebuying market in 2025, opportunities to purchase a home without 20% down, and whether more homes are covered through PMI or MIP, and Ashley Seaver, BCU Mortgage Trainer (16:22), on first-time homebuyers today, the power of refinancing, and building generational wealth. Host: Dani Buschick, LMY Program Manager  Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com TodayLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Featuring Anjoli Walker, BCU Diversity, Equity & Inclusion Director (0:49), on psychotherapy and how it connects to money, inheriting behaviors and rewiring our brains, Nicole Ott, BCU Human Resources & Talent Acquisition Senior Manager (13:27), on social stimuli, tuning out the noise, and leveraging a wish list to keep up with your wants and needs, and Jennifer Budo, BCU Retail Branch Operations Director (22:03), on taking control of your savings in case of an emergency, starting small, and the power of an accountability partner. Host: Dani Buschick, LMY Program Manager  Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com TodayLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Featuring Sam Edwards, BCU Member Success Area Manager (0:54), on penny stocks, wheat pennies, and different tips on collecting coins, Fiorella Harvey, BCU Retail Branch Operations Manager (7:19), on gifting penny creations, donating pennies to schools and charities, and finding ways to get pennies out of the trash, and Janice Kaples, BCU Member Success Manager (13:10), on copper floors and counter tops, clocks, back splashes, wind chimes, coasters, wall art, and so much more. Host: Dani Buschick, LMY Program Manager  Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com TodayLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Featuring Jacob Johnson, BCU Member Service Specialist (0:43), on when leasing is no longer economical, what to consider apart from monthly payments, and determining the best type of car for you, David Sessions, BCU Lead Marketing Strategist (10:31), on doing your research, communicating with a car salesperson effectively, and car buying red flags, and Kim Chavez, BCU Financial Wellness & Coaching Senior Lead (19:30), on what type of payment plan is best for you, when is the ‘best’ time to refinance, and the importance of emergency savings for your vehicle. Host: Dani Buschick, LMY Program Manager Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com TodayLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Featuring Lucas Galdine, BCU Member Intelligence Intern (0:39), on a simple budget, vocalizing financial boundaries with friends, and breaking down a coaching appointment, Ellie Clark, BCU Marketing Intern (8:11), on saving for big money milestones while at school, emergency savings, and seasonal money management, and Jack Blum, BCU Finance Intern (15:08), on building credit, different ways to keep your finances top of mind, and honest thoughts about coaching as a college student. Host: Dani Buschick, LMY Program Manager Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com TodayLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Featuring Andrew Elterman, BCU Member Experience Specialist, (0:39), on different lessons by age, the importance of meeting kids where they are, and puppetry in practice, Valerie Cruz, BCU Member Experience Specialist (10:01), on the financial trade-off, explaining the difference between responsibilities versus work for pay, and the effectiveness of tangible money goals like a vision board and paying with cash, and Marcey Gaughan, BCU Instructional Design Manager (20:24), on leading by example, encouraging money mistakes in a controlled environment, and emphasizing communication on the learning journey. Host: Dani Buschick, LMY Program Manager Life. Money. You.® | Helping people make better money moves with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com TodayLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Featuring Alejo Torres, BCU Financial Well-Being Director (0:30), on buying in bulk, cooking in bulk, and diversifying your grocery lists, Ana Zavala, Business Development Operations Senior Lead (9:30), on shopping for a small household, leveraging quality time and leftovers, and packing for snacking, and Bruce Ponsaran, BCU Corporate Relations and BD Senior Manager (19:59), on planning for food while traveling, selecting the right restaurant for your family, and navigating allergy restrictions. Host: Dani Buschick, LMY Program Manager Life. Money. You.® | Helping people make better money moves with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com TodayLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Featuring Jeannette Castro, BCU Member Service Specialist (0:32), on cake catering deets, small business support, and the importance of a creative outlet, Dan Spannraft, BCU Member Experience Program Manager (12:36), on cover band grinding, strategic spending and investments, and knowing your value, and Joline Soedarjatno, BCU Corporate Relations and BD Senior Director (21:43), on balancing time and when to reconsider your commitment to a side hustle, and routinely reflecting on your priorities.  Host: Dani Buschick, LMY Program Manager Life. Money. You.® | Helping people make better money moves with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com TodayLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Featuring Varinder Singh, BCU Branch Manager II (0:45), on defining a budget and different budgeting methods you can consider, Jeannette Castro (13:05), BCU Member Service Specialist, on the fear associated with getting started and habit stacking, and Shannon Evans (22:37), BCU Member Success Specialist, on the importance of consistency, breaking down the reverse budget, and resources you should know about. Host: Dani Buschick, LMY Program Manager Life. Money. You.® | Helping people make better money moves with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Featuring Amy Barber, BCU Retail Branch Operations Manager, and Emily Sander, BCU Retail Branch Operations Manager, (0:43), on the connection between financial health and mental health, the importance of accountability, and not being afraid to communicate financial stress, Guillermo Casillas (14:08), BCU Business Development Senior Lead, on different ways to relieve financial stress, like having an emergency fund and paying ourselves first, and Megan Kelly (23:54), BCU Talent Acquisition & Benefits Senior Director, on the power of a support system, ERGs, and what financial health will look like in the workplace in years to come.Host: Dani Buschick, LMY Program Manager Life. Money. You.® | Helping people make better money moves with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Featuring Maddie Martinez (0:31), BCU Corporate Relations & Business Development Senior Lead, on different payoff methods, avoiding credit card use, and establishing consistency, Katlyn Stafford (8:27), BCU Member Success Manager, on the ‘debt stigma’, emergency savings and savings challenges for more income to put toward paying off credit card debt, and Dean Torres (15:41), BCU Member Success Manager, on leveraging visual budgeting tools, starting small, and the difference between secured versus unsecured debt.Host: Dani Buschick, LMY Program Manager You don’t want to miss this one. Listen now Life. Money. You.® | Helping people make better money moves with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com TodayLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Featuring Kim Chavez (0:50), LMY Financial Well-Being & Coaching Senior Lead, on seasonalizing your bills, trade-off savings, and decluttering your home, Brandon Ewing (15:27), BCU Retail & Community Branches Director, on budgeting for vacations, setting goals and expectations with family, and Google flights as a money-saver for travel, and Missy Castagna (26:12), BCU Member Experience Senior Director, on multiple-child discounts, re-allocating savings, and leveraging your community for child care. Host: Dani Buschick, LMY Program Manager You don’t want to miss this one. Listen now.Life. Money. You.® | Helping people make better money moves with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com TodayLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Join Dani Buschick, LMY Program Manager, and peers at BCU for a conversation on different digital scams to look out for and how to safely engage with technology for day-to-day transactions. Hear how the Credit Union is staying one step ahead to protect members, too. Featuring Pam Blair (0:52), BCU Security Awareness Senior Lead, on organizational governance and updating your privacy settings, Marlene K., BCU Account Protection Senior Investigator, and Nickie Christianson (13:28), BCU Account Protection Senior Manager, on voice recognition, device cleaning, and invoice replication, and Sarah Savio, BCU Talent Acquisition & Human Resources Lead, and Nicole Ott (30:36), BCU Talent Acquisition & Human Resources Senior Manager, on identifying legitimate opportunities, dissecting a walking red flag, and more employee resources. You don’t want to miss this one. Listen now.Life. Money. You.® | Helping people make better money moves with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com TodayLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Join Dani Buschick, LMY Program Manager, and peers at BCU for another conversation: Rate trending, down payment assistance, the initial consult and more, listen in as we focus on home buying in 2025. Featuring Leahnor Vestrum (0:25), BCU Corporate Relations Lead and former Loan Originator, on an initial consult for homeownership and costs outside of the home purchase, Erman Ramos (9:24), BCU Retail Mortgage Sales Regional Manager, on different ways folks can go about buying a home without 20% down and the concept of ‘Marry The House, Date The Rate’, and Jami Doyle (18:32), BCU Mortgage Associate, on rate trending and how to approach down payment assistant options.  You don’t want to miss this one as we head into home buying this Spring. Listen now.Life. Money. You.® | Helping people make better money moves with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com TodayLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Join Dani Buschick, LMY Program Manager, and peers at BCU for another conversation, this one featuring couples, kids, and money. The takeaways? Finding balance, being honest, and if you can, starting to plan early. Featuring Sam Edwards (0:13), BCU Member Success Area Manager, on when to have the money talk with a prospective partner and other tips on managing money in a relationship, Jasmine Crawford (10:35), BCU Corporate Relations & BD Senior Lead, on how to save on mutual goals and encouraging kids to save, Warren Iskowitz (19:19), BCU Talent Management Senior Director, on establishing an emergency fund and influencing the rest of the family as a couple.Don’t miss this insightful dialogue about couples, money, and kids. Listen now.Life. Money. You.® | Helping people make better money moves with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com TodayLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Join Dani Buschick, LMY Program Manager, and peers at BCU for a candid conversation about social media and finances. Moral of the story: If it's too good to be true, it probably is. Featuring Kimberly Chavez (0:38), BCU Virtual Experience Manager, on the precautions a user should take when engaging with others on social media, Nickie Christianson (14:30), BCU Account Protection Senior Manager, on fighting fraud and responding to deep fakes, and Mandi Perkins, BCU Social Media Professional, and Nicole Ott (26:08), BCU Talent Acquisitions & Human Resource Senior Manager, on how scammers are impersonating employers for fake employment and financial gain. Don’t miss this insightful dialogue about protecting yourself and your information on social media. Listen now.Life. Money. You.® | Helping people make better money moves with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com TodayLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Join Bjorn as he closes Season 1, recapping a wide range of conversations about personal finance - from authors to athletes, CEOs, and money masters.Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Join Bjorn as he welcomes Len Smofsky to discuss boom and bust, and how a degree in film and directing turned passion into financial wellness.-Subscribe to better money moves today: Crush debt, boost credit, and build your emergency savings with the Life. Money. You. Program. https://www.lifemoneyyou.comAs a subscriber, here's what you get:✨ A monthly newsletter (featuring our blog and podcast)✨ Your own Certified Financial Coach✨ Exclusive invites to live events with open chats✨ Access to a mobile app with money management tools✨ Credit Union Membership Eligibility Join the 25,000 and growing subscribers who have partnered with Life. Money. You. on their financial freedom journeys! Life. Money. You.®, LLC is a holistic financial well-being Credit Union Service Organization (CUSO), owned by BCU, providing prescriptive solutions through digital tools, one-on-one financial coaches, live events, and access to financial health products and services to encourage behavior change and improve people's financial health. Because Life happens, Money matters, and we're here for You.Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Join Bjorn to talk through splurging, FOMO, andinflated lifestyle spending, and different solutions you can use to remain true to your values and goals while maximizing the moment, too.-Subscribe to better money moves today: https://www.lifemoneyyou.com/As a subscriber, here's what you get:✨ A monthly newsletter (featuring our blog and podcast)✨ Your own Certified Financial Coach✨ Exclusive invites to live events with open chats✨ Access to a mobile app with money management tools✨ Credit Union Membership Eligibility Join the 25,000 and growing subscribers who have partnered with Life. Money. You. on their financial freedom journeys! Life. Money. You.®, LLC is a holistic financial well-being Credit Union Service Organization (CUSO), owned by BCU, providing prescriptive solutions through digital tools, one-on-one financial coaches, live events, and access to financial health products and services to encourage behavior change and improve people's financial health. Because Life happens, Money matters, and we're here for You.Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Join Bjorn as he welcomes friend, Olivia Hayden, UFCU Financial Health Manager. Olivia shares her personal experiences planning trips, splitting nights out, and talking about money openly with her friends.-Subscribe to better money moves today: https://www.lifemoneyyou.com/As a subscriber, here's what you get:✨ A monthly newsletter (featuring our blog and podcast)✨ Your own Certified Financial Coach✨ Exclusive invites to live events with open chats✨ Access to a mobile app with money management tools✨ Credit Union Membership Eligibility Join the 25,000 and growing subscribers who have partnered with Life. Money. You. on their financial freedom journeys! Life. Money. You.®, LLC is a holistic financial well-being Credit Union Service Organization (CUSO), owned by BCU, providing prescriptive solutions through digital tools, one-on-one financial coaches, live events, and access to financial health products and services to encourage behavior change and improve people's financial health. Because Life happens, Money matters, and we're here for You.Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today