Life. Money. You.® Podcast

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

Bentornato! Buckle up with Bjorn as he welcomes back BCU colleague and friend, Joe Styx, to share his post-travel stories and financial experiences in Europe. -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 1992 Olympian from Jamaica, Dahlia Sategna. With a nephew in the 2024 Olympics, Dahlia shares the process of timing and selection, competing and financing, and most importantly, enjoying the once-in-a-lifetime Olympic experience as an athlete.-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 EligibilityJoin the 20,000 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 and former colleague, Alexander. Alexander shares his personal story of being recruited to play Division I College Football, and how he balanced school, sports, and money.--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 20,000 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 walks you through what golf handicaps and budgeting have in common, comparing accurate spending to the Arccos Golf App, and how trending is essential to narrowing your financial focus.-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 EligibilityJoin the 20,000 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 re-welcomes colleague and friend, Joe Styx. Instead of Bjorn inquiring our guest, Joe takes the lead as host, asking our man behind the mic some personal finance questions.--Subscribe to better money moves today: 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 EligibilityJoin the 20,000 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 high school friend, Mitch. Together, they'll talk you through the FIRE Movement, purging so you can splurge, and everyday financial habits you can adopt to prep for a ‘mini’ retirement. Also, be sure to check out Mitch's new podcast myFIcap$ule where he talks about personal finance, lifestyle design, and his journey to financial independence: https://podcasts.apple.com/us/podcast/myficapsule/id1742479019.--Subscribe to better money moves today: 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 EligibilityJoin the 20,000 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 John Lanza, the Chief Mammal and creator of The Money Mammals; Anaward-winning Kids Club and educational program that teaches kids and their parents about money.If you are looking for help along your financial journey, please subscribe for free to the Life. Money. You.® Financial Well-Being Program at LifeMoneyYou.com and take advantage of our financial wellness appcalled MoneyTracks™, relevant content, one-one-one financial coaching, and credit union membershipeligibility at BCU. Life Happens. Money Matters. We're Here for You. #financialwellbeingforall #financialhealth #financialwellnessLife. 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 and CEO of Novation Credit Union, Mike Kronebusch. Mike shares what his journey has looked like working for 3M, joining the Board of Directors of Novation, and now leading the organization. He talks about opportunities he said yes to along the way, when he turned down offers, and skills he has developed to get to where he is. If you are an aspiring CEO, this is a great story to listen to!If you are looking for inspiration along your financial journey, please subscribe for free to the Life. Money. You. Financial Well-Being Program at LifeMoneyYou.com and take advantage of our financial wellness app, relevant content, one-on-one financial coaching, and credit union membership eligibility at BCU. Life Happens. Money Matters. We’re Here For You. #financialwellbeingforall #financialhealth #financialwellnessLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Join Bjorn as he welcomes his good friend Adam Meckler to the show. Adam is a professional jazz trumpet player, composer, songwriter, educator, and entrepreneur. He is the Director of Jazz Studies at Michigan Technological University, CEO of Gig Boss, LLC, leads the Adam Meckler Orchestra, and tours regularly with some of the biggest names in the business. Bjorn and Adam talk about what it’s like to become a professional musician and Adam’s entrepreneurial story along the way. If you’d like to listen to Adam’s music and watch him live, make sure to check out AdamMeckler.com.If you are looking for inspiration along your financial journey, please subscribe for free to the Life. Money. You. Financial Well-Being Program at LifeMoneyYou.com and take advantage of our financial wellness app, relevant content, one-on-one financial coaching, and credit union membership eligibility at BCU. Life Happens. Money Matters. We’re Here For You. #financialwellbeingforall #financialhealth #financialwellnessLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Join Bjorn as he welcomes Senior Benefits Consultant, registered nurse, and mental health expert, Ann Beauchamp, to talk about her experience helping employees thrive in their professional and personal lives by reducing overall stress.If you are looking for help along your financial journey, please subscribe for free to the Life. Money. You. Financial Well-Being Program at LifeMoneyYou.com and take advantage of our financial wellness app, relevant content, one-on-one financial coaching, and credit union membership eligibility at BCU. Life Happens. Money Matters. We're Here For You. #financialwellbeingforall #mentalhealthawarenessmonthLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Join Bjorn as he welcomes Jim Kastner, CFP® to the podcast, new friend, and financial advisor with decades of experience. We'll talk you through what financial planning is, how an advisor can help, and so much more.The material we will be discussing is not intended as ERISA, legal, accounting, or tax advice, nor is it intended to provide specific advice or recommendations for any individual. To determine which strategies orinvestments may be suitable for you, consult the appropriate qualified professional prior to making a decision.If you would like support in your financial life, please head over to LifeMoneyYou.com and subscribe to our Financial Well-Being Program to take advantage of relevant content, our mobile app, one-on-one financial coaching, as well as Credit Union membership from BCU. Life Happens. Money Is Important. We Are Here for You. #financialwellbeingforall #financialhealth #financialwellbeing #financialplanningLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Buckle up with Bjorn as he welcomes BCU colleague and friend, Joe Styx, to share his spending strategy for scoring the most savings on his upcoming family cruise to Europe.If you are interested in more money-saving tips like this, we'd love to have you subscribe to the Life. Money. You. Financial Well-Being Program for free at LifeMoneyYou.com. You'll get access to our mobile financial wellness app, relevant content, financial coaching and become eligible for credit union membership at BCU. #financialwellbeingforall #financialhealthLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Join Bjorn as he welcomes BCU colleague and friend, Deliana Gamez, to share more about her story of caring for her father when he became terminally ill. While things were tough, there were many wonderful moments that happened during this time as she and her family took on helping him live the life he wanted to until the end.If you are looking for support during a difficult time, please make sure to check out the Life. Money. You. Financial Well-Being Program at LifeMoneyYou.com. You can subscribe for free and get access to digital tools, relevant content, and one-on-one financial coaching while also becoming eligible for credit union membership at BCU. Life Happens. Money Matters. We are here for You. #financialwellbeingforall #financialhealthLife. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today