PODCAST · education
Small Talks for Big Change
by Patelco Credit Union
Welcome to "Small Talks for Big Change," the podcast from Patelco Credit Union dedicated to providing our members and communities with financial knowledge and tools to help them achieve financial wellness. In each episode, we will simplify complex financial topics and provide practical tips and advice that can be applied to everyday life.Join our expert guests and host as we discuss a range of financial topics, from budgeting and saving to investing and retirement planning. We will also explore the latest trends in personal finance and provide insights into the challenges and opportunities facing individuals and families today.Through engaging conversations and real-life examples, our podcast aims to inspire and educate listeners on how to take control of their financial lives and achieve their goals. Whether you're just starting your financial journey or looking to fine-tune your strategy, "Small Talks for Big Change" is the podcast for you.So, if you're ready to make positive chan
Episodes
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Yours, Mine or Ours? Managing Money Together
Should couples combine their finances, keep them separate or find a happy medium? In this episode of Small Talks for Big Change, Andrew Farrell is joined by Michele Enriquez and Uslea Martinez to share how they approach money in their own relationships. From splitting expenses and setting shared...
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Money Mistakes and Moving Forward
Nearly everyone has a financial regret, but mistakes don't have to define your future. Andrew, Michele, and Jerry share personal stories about credit card debt, overspending, and financial setbacks while discussing the behaviors that drive our money decisions. Discover how self-awareness…
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California's Big Financial Education Move
California is making financial literacy a high school graduation requirement, but what does that actually mean for students and families? Andrew and Michele break down the new mandate, why it took decades to pass, what's included in the curriculum, and how schools, families, and credit unions can...
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The Retirement Conversation You Keep Avoiding
Retirement can feel overwhelming, but getting started doesn't have to be. In this episode, Andrew sits down with Patelco IRA/HSA Specialist Alex Chi to break down retirement savings basics, including IRAs, 401(k)s, Roth vs. Traditional accounts, employer matching, and common rollover questions....
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From Credit Confusion to Confidence
Credit impacts everything from loan approvals to interest rates, yet it's still one of the most misunderstood financial topics. In this episode, Andrew sits down with Patelco Enterprise Certified Financial Specialist Erika Karamanos to break down how credit scores work, what influences them, and...
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90 Years Strong, 10,000 Downloads Later
Patelco is celebrating two exciting milestones: 90 years of serving members and communities, and 10,000 downloads of Small Talks for Big Change. In this special episode, Andrew sits down with original podcast host Michele Enriquez to reflect on Patelco's journey, the impact of financial…
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Understanding Trusts and Estate Planning Basics
Estate planning can feel overwhelming, but it doesn't have to be. In this episode of Small Talks for Big Change, we sit down with Joaquin Jacquez, Patelco's Specialized Accounts Specialist, to demystify trusts, wills, and what really happens to your accounts when someone passes. Joaquin breaks…
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Elder Fraud Prevention in a Digital Age
Elder fraud is on the rise, and the impact goes beyond finances. In this episode, host Andrew Farrell sits down with Michele Enriquez and Mark Southon to explore how scams happen and why older adults are often targeted. Michele shares a powerful personal story of a loved one impacted by fraud,...
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Free Checking That Supports Financial Confidence
In this episode of Small Talks for Big Change, Michele sits down with Patelco leader Aimee Jackson to break down what really matters when it comes to checking accounts. They explore why fee‑free checking, early payday, personalized financial guidance, and modern digital tools are top priorities…
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Renting, Buying, and Finding Your Path
In this episode of Small Talks for Big Change, Andrew Farrell sits down with Patelco home loan consultant Fred Williams to talk openly about the fears, tradeoffs, and realities of buying a home in today's market. They explore renting versus buying, why headlines don't tell the full story, and how...
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Diving Into Lending for Young Learners
April is Financial Literacy Month and Credit Union Youth Month, and this episode takes a deep dive into a topic many don't expect for kids: lending. Joined by Katie Nathan from My First Nest Egg, we explore how borrowing concepts can be introduced early without fear or confusion. From loan sharks...
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BNPL: Smart Tool or Spending Trap?
In this episode of Small Talks for Big Change, Andrew Farrell sits down with financial specialist Danielle Lowe Robinson and VP of Cards and Direct Consumer Lending, Alok Bakshi, to unpack the world of Buy Now, Pay Later. They explore why BNPL is growing, how it affects spending habits, common...
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Your Guide to Confident Car Financing
In this episode of Small Talks for Big Change, we break down the auto‑refinance process and how it can help you keep more money in your pocket. Patelco's Director of Indirect Lending, Juan Godinez, shares expert insights on refinancing, cash‑out options, and smart car‑buying strategies. If you're...
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What to Expect When You're Expecting Expenses
Andrew talks with Patelco's Learning and Development Partner, Jamese Stallworth, and Retail Branch Performance Manager, Kamran Hazemi, two new parents who share real world insights about budgeting for a baby, planning for leave, and adjusting to major lifestyle changes. They discuss saving...
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Financial Help That Meets You Where You Are
In this episode, Andrew sits down with Enterprise Certified Financial Specialist Nick Gates to explore how personalized financial counseling can help members break through money roadblocks. Nick shares the common struggles he sees, including budgeting overwhelm, ADHD related challenges, and…
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Savings Hacks You'll Actually Want to Use
Andrew welcomes Jennifer Mink, Director of Member Experience and Financial Wellbeing, and Lauren Goucher, Manager of Member Experience, to share real‑life ways to keep more money in your pocket this year. From grocery hacks and intentional spending to Patelco tools like SpringFour, Balance Pro…
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Building Habits That Last All Year
This episode dives into the mindset behind resolutions: setting attainable goals, embracing setbacks, and using small actions to build long‑term momentum. Andrew and Michele share their own New Year's plans, talk through habit stacking and manifestation, and offer ways to stay consistent without...
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Financial Cheerleader Retires, Inspiration Lives On
In this special tribute episode, we celebrate the remarkable career of Veronica Dangerfield, Patelco's beloved Senior Financial Wellbeing Educator and 2025 Financial Educator of the Year. Joined by longtime colleagues and friends, we reflect on her decades of impact, her signature humor and...
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Budgeting, Beef Prices, and Being Human
Kick off the new year with practical holiday budgeting tips and a fresh approach to financial wellness. In this episode, Andrew and Michelle break down rising costs, real‑life budgeting challenges, and simple ways to plan for holiday spending without relying on debt. Learn how to set SMART goals,...
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Spend, Save, Borrow, Plan: Your Financial Wellbeing Blueprint
Join us for an inspiring conversation with Patelco's Certified Financial Specialists, Danielle Lowe Robinson and Jerry Morales, as they share practical tips to boost your financial wellness. From busting budgeting myths to building credit and planning for big goals, learn how personalized…
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Smart College Choices: Planning for Success
Choosing the right college can feel overwhelming. Academics, finances, and family expectations all play a role. In this episode of Small Talks for Big Change, we sit down with Erin Moreci, a Patelco leader and parent, to discuss her family's journey from UC dreams to community college success.…
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Celebrating ICU Day with Scott Simpson
In this special ICU Day episode of Small Talks for Big Change, we sit down with credit union pioneer Scott Simpson, newly appointed President & CEO of America's Credit Unions. From grassroots advocacy to fintech trends, Scott shares insights on the evolving credit union landscape, the importance…
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Inclusive Banking: Building Trust, Credit, and Community
In this special episode celebrating International Credit Union Month, Patelco team members share powerful stories of financial education and community impact. From supporting refugee families to breaking down barriers around banking and credit, hear how compassion and cooperation are driving real...
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Surviving to Thriving: CityTeam x Patelco
In this inspiring episode, we sit down with Hermie Smit & Arlin Ortiz-Jovel, leaders from CityTeam San Jose to explore how holistic community support—from mobile food pantries to financial wellness workshops—is helping Bay Area families move from surviving to thriving. Learn how Patelco's...
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Vacation Calories Don't Count, Budgets Do
Ready to travel without wrecking your wallet? In this lively episode, Andrew Farrell, Uslea Evangelista, and Veronica Dangerfield share personal travel stories, budgeting hacks, and clever ways to make your adventures affordable. From credit card points to off-season deals and packing tips, they...
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Inside APS: Protecting Vulnerable Seniors
In this finale of our elder financial abuse mini-series, we sit down with Yolanda Carcamo, APS Supervisor for Alameda County. Yolanda shares how Adult Protective Services investigates financial exploitation, the impact of recent policy changes, and how early intervention can protect vulnerable...
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Aging Out Loud: Stories, Support, and Safety
In this heartfelt episode of Small Talks for Big Change, we explore the powerful connection between mental health, aging, and financial safety. Guest Avonelle Hanley-Mills, SOLVE Coordinating Manager, Mental Health Association of SF, shares insights on reducing elder isolation, embracing aging…
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Fraud Prevention Starts with Education: Aayush's Story
Fraudsters are evolving, but so is the fight against them! In this episode, we sit down with 16-year-old Dublin Highschool student, Aayush Gandhi, founder of Fraud Stop, to uncover the growing dangers of financial scams. From protecting seniors to educating teens, Aayush shares insights on...
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No Shame, Just Support Against Scams
In this special episode of Small Talks for Big Change, we kick off our mini-series for National Elder Abuse Awareness Month with fraud prevention expert Erwin Lemi. With over 20 years of experience, Erwin shares insights into how elder financial abuse has evolved, the most common scams targeting...
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Budgeting from the Inside Out: The Psychology of Spending
In this insightful episode, guest Andrew Farrell returns to explore the psychology of spending. From his successful No Spend Month to understanding emotional triggers and marketing influence, Andrew shares practical strategies to build healthier financial habits. Learn how early money experiences...
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The Great Refinance: Turning Debt into Opportunity
In this episode of Small Talks for Big Change, we're joined by Mel Murguia from Patelco Credit Union to explore practical ways to reduce loan payments and increase monthly savings. Learn how Patelco's Switch to Save program, along with options like auto refinancing and HELOCs, can help you make…
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Behind the Scenes: Patelco Intern Experiences and Insights
Join us for an inspiring episode of Small Talks for Big Change as we celebrate Credit Union Youth Month and National Financial Literacy Month. Hear from high school interns Lei'ani Donaldson and Yesley Romo Quezada about their transformative experiences at Patelco Credit Union through the Genesys...
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Youth Money Magic: Turning $100 into $1 Million
Join us for an engaging episode of Small Talks for Big Change as we chat with Jannine Glista, CEO of Biz Kid$. Discover how Biz Kid$ is revolutionizing youth financial education through innovative classroom initiatives and hands-on experiences. Learn how early financial education is empowering...
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Student Checking: A Teen's Guide to Financial Independence
Join us for a special episode of Small Talks for Big Change as we celebrate Financial Literacy Month and National Credit Union Youth Month! We welcome Kelly Young, Patelco's Director of Retail Branches, to discuss the importance of student checking accounts and financial education for teens....
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Planning for Financial Health: Homeowners Insurance
Get ready for a fun and enlightening episode as we welcome the fabulous Veronica Dangerfield, Patelco's Senior Financial Well-Being Educator and the newly crowned Educator of the Year! Veronica brings her wit and wisdom to the table as we dive into the rising costs of homeowners insurance and the...
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Credit Card Benefits that Fit Your Lifestyle
In this episode, host Michele welcomes Charles Brandt, product manager in Patelco's consumer lending department. Charles shares his extensive experience and insights on credit cards, discussing how to choose the right product and use credit responsibly to achieve financial goals. Tune in to learn...
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Discipline and Savings: The No Spend Month Strategy
Join us as we welcome back Andrew Farrell, Patelco's community engagement specialist and financial educator, to discuss the transformative concept of a No Spend Month. Discover how this challenge can help you maximize savings, improve financial wellness, and kickstart your journey towards…
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Family, Life and Finances: Budgeting Tips from a Certified Financial Specialist
Join us for an insightful conversation with Melissa Steed, Assistant Branch Manager at Patelco Credit Union's Folsom branch and a Certified Financial Specialist. Melissa shares her journey from stay-at-home mom to financial expert and offers invaluable tips on family budgeting, smart grocery...
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Budgeting, Saving, and Planning: Your Guide to Financial Wellbeing in 2025
Join us as we welcome back Jennifer Mink, the queen of financial health. Jennifer shares her insights on setting and achieving financial goals for 2025, including the popular "no spend" resolution. We also discuss the four pillars of financial health: spend, borrow, save, and plan. Tune in for...
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Spend, Save, Borrow, Plan: Strategies from Financial Wellbeing Experts
Join us as we kick off a new year with financial wellbeing experts Jessica Rubalcava and Lauren Goucher from Patelco. They share their career journeys and provide actionable tips on spending wisely, saving effectively, managing debt, and planning for the future. Discover practical strategies and...
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Holiday Spending: Setting Healthy Financial Boundaries
As the year winds down and the holiday season picks up, it's the perfect time to set financial boundaries that will set you up for success in the new year. In this episode, Patelco Educators Veronica Dangerfield and Andrew Farrell share actionable strategies for managing holiday spending,...
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Holiday Fraud Alert: How to Spot Scams and Protect Yourself
In this episode of Small Talks for Big Change, we welcome fraud expert Tiffany Kiefer to highlight the most common holiday scams—from fake delivery notices to fraudulent charity requests. Learn how to spot red flags, protect your personal information, and stay safe while shopping this season.…
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Holiday Guide to Keeping Finances Merry and Bright
Join host Michele Enriquez as she welcomes back Andrew Farrell, Patelco's Community Engagement Specialist, to discuss holiday budgeting. Catch his expert advice on aligning your budget with your values and making the most of your holiday season! Many feel the pressure to spend during the…
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Credit Unions vs. Traditional Banks: What Sets Them Apart?
In this episode, we explore the differences between credit unions and traditional financial institutions. Our guest, Joseph Luque, Central Operations Supervisor at Patelco, shares his extensive experience in the financial services industry. Learn about the unique benefits of credit unions, how…
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From Teller to Trailblazer: Flora Nafei's CU Journey
In this special International Credit Union month episode, we sit down with Flora Nafei, the Executive Director of Credit Union Affairs at Patelco. Flora shares her incredible journey from starting as a part-time teller in New Jersey, to becoming a leading advocate in the credit union industry.…
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Turning Car Loan Challenges into Success Stories
In this episode, we welcome Ruben Gonzalez, the Manager of Consumer Loan Processing at Patelco. Ruben shares his insights on the car loan process, emphasizing the importance of financial wellness and member-focused service. Ruben discusses how Patelco's team supports members through every step of...
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People Helping People: Patelco's Commitment to Community
In this episode, host Michele Enriquez and Patelco's Community Giving Partner Cara Houck, discuss the powerful community impact of Patelco Credit Union, focusing on support for local nonprofits like Habitat for Humanity, United Way, Children's Miracle Network and more. Join us as we discuss how...
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Maximize Your Membership: A Deep Dive into Patelco Member Benefits
Join Michele Enriquez, as she discusses insights from Patelco's latest webinar on membership perks. Special guest Peggy Wyman, a seasoned financial expert at Patelco Credit Union, shares tips on smart auto buying, retirement planning, and estate management. Discover how Patelco's membership...
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Smart Swiping: Building Wealth, Not Debt
Join Michele Enriquez and special guests Andrew Farrell and Alexia Razo-Orrego as they unpack all things credit cards. Tune in for expert advice and real-life experiences with interest rates, credit limits, rewards, credit score impacts, and a little guidance on how to choose the right card for...
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Beyond 9 to 5: Navigating Retirement with Confidence
Join Michele Enriquez and special guest Veronica Dangerfield in Episode 25 of Small Talks for Big Change as they delve into the world of retirement planning. With insights from Veronica, Patelco Credit Union's financial wellness educator, listeners gain valuable tips for navigating financial...
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ABOUT THIS SHOW
Welcome to "Small Talks for Big Change," the podcast from Patelco Credit Union dedicated to providing our members and communities with financial knowledge and tools to help them achieve financial wellness. In each episode, we will simplify complex financial topics and provide practical tips and advice that can be applied to everyday life.Join our expert guests and host as we discuss a range of financial topics, from budgeting and saving to investing and retirement planning. We will also explore the latest trends in personal finance and provide insights into the challenges and opportunities facing individuals and families today.Through engaging conversations and real-life examples, our podcast aims to inspire and educate listeners on how to take control of their financial lives and achieve their goals. Whether you're just starting your financial journey or looking to fine-tune your strategy, "Small Talks for Big Change" is the podcast for you.So, if you're ready to make positive chan
HOSTED BY
Patelco Credit Union
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Frequently Asked Questions
How many episodes does Small Talks for Big Change have?
Small Talks for Big Change currently has 73 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is Small Talks for Big Change about?
Welcome to "Small Talks for Big Change," the podcast from Patelco Credit Union dedicated to providing our members and communities with financial knowledge and tools to help them achieve financial wellness. In each episode, we will simplify complex financial topics and provide practical tips and...
How often does Small Talks for Big Change release new episodes?
Small Talks for Big Change has 73 episodes. Check the episode list to see recent publication dates and frequency.
Where can I listen to Small Talks for Big Change?
You can listen to Small Talks for Big Change on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts Small Talks for Big Change?
Small Talks for Big Change is created and hosted by Patelco Credit Union.
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