Wellbeing and Your Wallet

Affinity Federal Credit Union presents the Wellbeing and Your Wallet podcast! In this episode, hosts Grant Gallagher and Shawn Lubitz are joined by David Carcieri, President of the Greater Somerset YMCA. They discuss how to build local community, enriching your life and the lives of those around you.Following the main discussion, the team answers a question from the member mailbag. Grant pulls the following submission: I feel like I am constantly busy, but not really connected to anything outside of work and family. I want to get more involved in something, whether that is a hobby, fitness, or just getting out more, I just do not know where to start. What is a realistic first step?Grant concludes the discussion by highlighting Affinity’s financial wellbeing resources, including blogs, webinars, and fraud protection resources. If you’re working on your credit, check out our free consumer credit counseling services, offered in partnership with Navicore Solutions.Just a reminder if you have a question or comment for a future Member Mailbag segment, please email them to us @[email protected], like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing and Your Wallet podcast! In this episode, hosts Grant Gallagher and Shawn Lubitz discuss how to find the motivation to save. Key discussion topics include saving for exciting goals, practicing positive reframing, and balancing short-term expenses with long-term priorities.Following the main discussion, the team answers a question from the member mailbag. Grant pulls the following submission: I always tell myself I am going to use the weekend to reset, get organized, and get ahead, especially when it comes to things like my finances, but it never really happens. I end up feeling just as behind on Monday. How do you actually make time to reset without it feeling like more work?Grant concludes the discussion by highlighting Affinity’s Cash Back Plus Checking Account. Earn up to 10% in cash back on debit card purchases, get refunds on ATM withdrawal fees, and manage your money with zero monthly maintenance fees.Just a reminder if you have a question or comment for a future Member Mailbag segment, please email them to us @[email protected], like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing and Your Wallet podcast! In this episode, hosts Grant Gallagher and Shawn Lubitz are joined by Anthony Russomano, Founder of Mano Wellness, to talk about physical wellness habits and how they play into financial wellbeing. Key discussion topics include how to set and meet attainable goals, building community for accountability, and finding fun habits that enrich your life.Following the main discussion, the team answers a question from the member mailbag. Grant pulls the following submission: I joined a run club to get active and meet people in my community. The problem is, I’m the slowest person there! Everyone is kind to me, but I’m feeling embarrassed and considering dropping out. How can I get over my insecurity and stick with it?Grant concludes the discussion by highlighting Affinity’s Certified Wellbeing Coaches. Trained to provide members with the best possible support, they can help you work out your financial wellness goals. Schedule an appointment online to meet a coach in your area.Just a reminder if you have a question or comment for a future Member Mailbag segment, please email them to us @[email protected], like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing and Your Wallet podcast! In this episode, hosts Grant Gallagher and Shawn Lubitz are joined by John Carpenter, national practice partner at ERA Group and a member of Affinity’s Board of Directors, to talk about the role community plays in shaping our everyday lives. Key discussion topics include what community really means beyond geography, why showing up and getting involved matters, how local engagement supports personal wellbeing, and simple ways to build stronger connections where you live.Following the main discussion, the team addresses a question from the member mailbag. Grant pulls the following submission: I moved across state lines last year, and I’m still working on finding my community. I just don’t know where to start! How do I find my people and connect with the new place I live?Grant concludes the discussion by highlighting Affinity’s Wellbeing Awards, which honor individuals and organizations that exemplify excellence in financial, community, and physical wellbeing.Just a reminder if you have a question or comment for a future Member Mailbag segment, please email them to us @[email protected], like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing and Your Wallet podcast! In this episode, hosts Grant Gallagher and Shawn Lubitz discuss how to align financial goals and plan for retirement with a partner. Topics include establishing regular financial check-ins, bridging different goals and communication styles, and setting yourselves up for success as a team.Following the main discussion, the team addresses a question from the member mailbag. Grant pulls the following submission: As my New Year’s resolution, I significantly increased the monthly contribution to my retirement account. I feel like I’m finally getting ahead of my financial goals - but I’m miserable! I had to cut most forms of entertainment out of my life. I’m not traveling to see family or getting drinks with friends. How do I turn this resolution into something more sustainable? I’m willing to sacrifice to safeguard my future, but I don’t want to totally ruin my life in the meantimeGrant concludes the discussion by highlighting Affinity’s Certified Wellbeing Coaches. Trained to provide members with the best possible support, they can help you get your financial plans back on track. Schedule an appointment online to meet a coach in your area.Just a reminder if you have a question or comment for a future Member Mailbag segment, please email them to us @[email protected], like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing and Your Wallet podcast! In this episode, hosts Grant Gallagher and Shawn Lubitz discuss how to identify and address burnout. Key topics include stress management strategies for individuals and families, communicating about personal challenges, and building healthy habits to recover from burnout.Following the main discussion, the team addresses a question from the member mailbag. Grant pulls the following submission: My son just started middle school, and it has been a stressful experience. He’s having trouble adjusting to the schedule, making friends, and keeping up with homework. How do I encourage him while also helping him build healthy habits, like a positive work ethic? I want to make things easier for him, but I also recognize that tough transitions are a learning opportunity.Grant concludes the discussion by highlighting Affinity’s Cash Back Plus Checking Account. Earn up to 10% in cash back on debit card purchases, get refunds on ATM withdrawal fees, and manage your money with zero monthly maintenance fees.Just a reminder if you have a question or comment for a future Member Mailbag segment, please email them to us @[email protected], like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing and Your Wallet podcast! In this episode, hosts Grant Gallagher and Shawn Lubitz discuss the financial strain that the holidays can bring, and how to bounce back in the first few months of the year. Key topics include assessing spending habits, conducting a budget reset, and getting back on track after overspending.Following the main discussion, the team addresses a question from the member mailbag. Grant pulls the following submission: My partner and I have multiple weddings and family events over the next few months that are quickly adding up. Should we consider skipping, dividing up who attends, using BNPL options, trying to use points for airfare, etc? I feel like outside of using credit cards, we can’t afford to book all the necessary travel ahead of time. Grant concludes the discussion by highlighting Affinity’s many wellbeing resources, including public seminars, free credit counseling with Navicore Solutions, and a blog packed with helpful tips on saving, budgeting, and more.Just a reminder if you have a question or comment for a future Member Mailbag segment, please email them to us @[email protected], like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing and Your Wallet podcast! In this episode, hosts Grant Gallagher and Shawn Lubitz are joined by Tammy Latif, Human Resources Generalist at Affinity. They discuss how to build a career plan, develop key skills, and find fulfillment in your professional life.Following the main discussion, the team addresses a question from the member mailbag. Grant pulls the following submission: Last year, I moved to a new state, and I started a new job after ten years at my last one. How do I show my skills, get to know my coworkers, and maintain life balance all at the same time? It’s been so long since I’ve made a transition like this, and I feel rusty.Grant concludes the discussion by highlighting Affinity’s High-Yield Checking Accounts. Grow your savings, get monthly ATM refunds, and earn a 5.50% APY to make your money work for you.Just a reminder if you have a question or comment for a future Member Mailbag segment, please email them to us @[email protected], like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing and Your Wallet podcast! In this episode, hosts Grant Gallagher and Shawn Lubitz answer your burning questions about Affinity. They discuss the credit union difference and share tips to improve member financial wellbeing.Following the main discussion, the team addresses a final question from the member mailbag. Grant pulls the following submission: Since switching over from a bank to Affinity, I have finally gotten control over my finances. By working with a Wellbeing Coach, I’ve learned the fundamentals of budgeting, and have even started saving for retirement. My brother is having some financial issues right now, and I think it could benefit him to join as a member. However, he doesn’t really understand credit unions. How do I address his misconception that Affinity will have less resources than a bank?Grant concludes the discussion by highlighting Affinity’s High-Yield Checking account. With a 5.50% APY up to $15,000, monthly ATM refunds, and no maintenance fees, this account is a great option to manage your money.Just a reminder if you have a question or comment for a future Member Mailbag segment, please email them to us @[email protected], like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing and Your Wallet podcast! In this episode, hosts Grant Gallagher and Shawn Lubitz are joined by Jen Shortelle, Strategic Clinical Advisor at Spring Health. They discuss maintaining balance and mental wellness during the holiday season, when many people face loss, family conflict, and changes in routine.Key topics include starting open communication with loved ones, practicing mindfulness tips to keep you grounded, and setting realistic expectations for the holiday season.Following the main discussion, the team addresses a question from the member mailbag. Grant pulls the following submission: As I head into 2026, I keep thinking about my student loans. They have been hanging over my head for so long, and I really want this to be the year I finally make progress. The truth is, I feel anxious every time I look at the balance, and it makes it hard to stay motivated. How can I put together a plan for the new year that helps me tackle my student loans without feeling stressed or discouraged the whole time? Grant concludes the discussion by highlighting Affinity’s wellbeing resources, including a partnership with Navicore Solutions for free credit counseling. If you’re looking to understand and improve your credit, seek a consultation to take control of your financial wellbeing.Just a reminder if you have a question or comment for a future Member Mailbag segment, please email them to us @[email protected], like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing and Your Wallet podcast! In this episode, hosts Grant Gallagher and Shawn Lubitz discuss budgeting for a holiday season that feels festive without breaking the bank. Main discussion topics include managing financial anxiety, making mindful choices to save, and planning ahead to shop holiday deals.Following the main discussion, the team addresses a question from the member mailbag. Grant pulls the following submission: It always feels like January lasts three months and my paycheck doesn’t. Between higher bills, leftover holiday expenses, and trying to get back on track, I feel like I start the year already behind. How can I be more proactive this year so I’m not constantly trying to dig myself out? Grant concludes the discussion by highlighting Affinity’s Cash Back Plus Checking Account. Earn up to 10% in cash back on debit card purchases, get refunds on ATM withdrawal fees, and manage your money with zero monthly maintenance cost.Just a reminder if you have a question or comment for a future Member Mailbag segment, please email them to us @[email protected], like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing and Your Wallet podcast! In this episode, hosts Grant Gallagher and Shawn Lubitz are joined by Bola Sokunbi, founder of Clever Girl Finance and Wellbeing Awards honoree.The hosts explain the process behind each year’s Wellbeing Awards, including the three awards categories. They highlight the amazing group of 2025 honorees and interview Bola about how her organization boosts wellbeing through financial empowerment.Following the main discussion, the team discusses a question from the member mailbag. Grant pulls the following submission: During the holiday season, my family usually donates money to a national charity. This year, my wife and I want to do something more tangible for our local community. Also, I think my kids are old enough to get involved. How can we find local charities that need hands-on support, especially for whole-family volunteering?Grant concludes the discussion by highlighting Affinity’s High-Yield Checking Accounts. Grow your savings, get monthly ATM refunds, and earn a 5.50% APY to make your money work for you.Just a reminder if you have a question or comment for a future Member Mailbag segment, please email them to us @[email protected], like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing and Your Wallet podcast! In this episode, hosts Grant Gallagher and Shawn Lubitz are joined by Kelly Watts, Executive Director of the Affinity Foundation, to talk about the impact of food insecurity and how communities can help.Key discussion topics include the rising cost of groceries, barriers that prevent people from seeking support, how credit unions and local organizations are making a difference, and ways individuals can offer meaningful support to those in need.Following the main discussion, the team discusses a question from the member mailbag. Grant pulls the following submission: Every year I feel like holiday gift giving gets more expensive, especially now with prices going up on just about everything. I want to make sure my kids and relatives feel special, but I also do not want to start the new year with credit card debt. What are some creative ways to handle holiday gifting without overspending?Finally, Grant concludes the discussion by highlighting Affinity’s Cash Back Debit card, a great checking account where you can earn 1% cashback on purchases for up to $1,000 a month to help you earn more toward your financial goals.Just a reminder if you have a question or comment for a future Member Mailbag segment, please email them to us @[email protected], like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing and Your Wallet podcast! In this episode, hosts Grant Gallagher and Shawn Lubitz are joined by Bryan Watkinson, Vice President of Risk Operations at Affinity, to break down how cyber threats are becoming one of the biggest risks to your financial security.Key discussion topics include the rise of phishing scams and AI-generated fraud, where consumers are most vulnerable, what protections are available if you're impacted, and the everyday habits that can help you stay safe online.Following the main discussion, the team discusses a question from the member mailbag. Grant pulls the following submission: My elderly mom recently got a call claiming to be from a government agency, saying she owed money and needed to pay immediately. Thankfully, she checked with me first, but it really scared her. How can I help protect her from scams like this without making her feel like I'm taking over her finances?Finally, Grant concludes the discussion by highlighting Affinity’s award-winning SmartStart Savings account. Whether you’re building your emergency fund or saving for a down payment, Affinity is here to help you earn more toward your financial goals with this high-yield savings account.Just a reminder if you have a question or comment for a future Member Mailbag segment, please email them to us @[email protected], like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing and Your Wallet podcast! In this episode, hosts Grant Gallagher and Shawn Lubitz discuss the ins and outs of BNPL payments.Key discussion topics include the hidden downsides of BNPL, including the mental burden of carrying many small debts. The hosts discuss financial resources and tools that are less risky than BNPL, plus tips for how to establish strong financial footing in daily life through the core skills of budgeting and saving.Following the main discussion, the team discusses a question from the member mailbag. Grant pulls the following submission: I have been invited to four weddings this year, and between gifts, travel, and outfits, it is adding up fast. I want to celebrate my friends and family, but it feels like I am going broke doing it. How can I set boundaries and budget for big life events without feeling guilty or missing out?Finally, Grant concludes the discussion by highlighting Affinity’s high-yield checking accounts. Grow your savings, get monthly ATM refunds, and earn a 5.50% APY to make your money work for you.Just a reminder if you have a question or comment for a future Member Mailbag segment, please email them to us @[email protected], like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing and Your Wallet podcast! In this episode, hosts Grant Gallagher and Shawn Lubitz are joined by Roger Tashjian, Affinity’s Board Chairman and Co-Founder of Bergen Realty Team, to talk about leadership, community, and what today’s homebuyers really need to know.Key discussion topics include Roger’s path from member to board chair, what’s happening in the local housing market, the real challenges buyers face, and what it takes to prepare for homeownership in a competitive and changing environment.Following the main discussion, the team discusses a question from the member mailbag. Grant pulls the following submission: My rent just went up by $300 a month, and it feels like my budget has been completely thrown off. I can cover it, but only if I cut back on saving. What’s the best way to adjust when housing costs suddenly take up a much bigger slice of your income?Finally, Grant concludes the discussion by highlighting Affinity’s mortgage offerings. Whether you're a first-time homebuyer or experienced homeowner, Affinity can support you every step of the way with competitive rates, fixed and adjustable-rate mortgage options, and expert guidance.Just a reminder if you have a question or comment for a future Member Mailbag segment, please email them to us @[email protected], like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing and Your Wallet podcast! In this episode, hosts Grant Gallagher and Shawn Lubitz explore the role artificial intelligence plays in shaping financial advice today and where it can fall short.Key discussion topics include: the pros and cons of using AI tools for money management, how to spot generic or misleading guidance, why human insight still matters, and how Affinity supports members with personalized advice that actually fits their lives.Following the main discussion, the team discusses a question from the member mailbag. Grant pulls the following submission: I’m in my early 40s and recently divorced. I’ve always let my ex handle our finances, and now I’m trying to get back on track on my own. I have a stable job but feel overwhelmed figuring out how to budget, save, and plan for retirement. Where should I start without getting discouraged?Finally, Grant concludes the discussion by highlighting Affinity’s tools and financial wellbeing resources, including blogs, educational events & webinars, credit counseling tools, and more.Just a reminder if you have a question or comment for a future Member Mailbag segment, please email them to us @[email protected], like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing and Your Wallet podcast! In this episode, hosts Grant Gallagher and Shawn Lubitz are joined by Katie Gallagher, a middle school teacher and Grant’s wife. As back to school season begins, they discuss how to budget for a successful year.Key discussion topics include pacing a budget throughout the year, targeting cheaper off-brand supplies, paying for extracurricular activities, navigating the financial aspects of the school year as an educator, and involving your kid in the shopping process for financial education.Following the main discussion, the team discusses a question from the member mailbag. Grant pulls the following submission: I have two kids who are 8 and 6 years old. I don’t have any money saved for their college education. I know how expensive college can be, and I don’t want them taking out massive loan amounts when the time comes. I don’t really have any room in my budget right now to put money away for their college, so I was curious what tips you guys had for saving for college when your budget doesn’t really allow for it?Finally, Grant concludes by highlighting Affinity’s Cash Back Debit Card, which comes free with their checking account and allows users to earn up to 1% cash back on purchases.Just a reminder if you have a question or comment for a future Member Mailbag segment, please email them to us @[email protected], like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing and Your Wallet podcast! In this episode, hosts Grant Gallagher and Shawn Lubitz walk through the full range of products and services available at Affinity and how they support your financial wellbeing at every stage of life.Key discussion topics include everyday banking options like checking and savings accounts, tools for borrowing and building credit, home and auto loans, retirement and investment support, and how to connect with Affinity for personalized guidance.Following the main discussion, the team shares their response to a question from the member mailbag. Grant pulls the following submission: I have balances on three different credit cards with interest rates all over the place. Every time I think I’m making progress, another unexpected expense sets me back. I’m feeling stuck and frustrated. How do I break the cycle and actually pay these cards off for good?Finally, Grant concludes the discussion by highlighting Affinity’s tools and financial wellbeing resources, including blogs, educational events & webinars, credit counseling tools, and more.Just a reminder if you have a question or comment for a future Member Mailbag segment, please email them to us @[email protected], like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing and Your Wallet podcast! In this episode, hosts Grant Gallagher and Shawn Lubitz are joined by Katie O'Shea from Navicore Solutions to reflect on the financial lessons they wish they learned sooner.Key discussion topics include common money mistakes in your 20s, building good habits early, understanding credit, managing peer pressure around spending, and setting both short- and long-term goals that grow with you.Following the main discussion, the team shares their response to a question from the member mailbag. Grant pulls the following submission: My partner and I both work freelance jobs with irregular income, and it feels impossible to budget when some months are great and others are tight. We’re tired of feeling like we’re always catching up or overspending when we have a good month. How can we build a budget or system that actually works with unpredictable paychecks?Finally, Grant concludes the discussion by highlighting Affinity’s award-winning SmartStart Savings account. Whether you’re saving for a down payment, dream vacation, or rainy day, Affinity is here to help you earn more toward your financial goals with this high-yield savings account.Just a reminder if you have a question or comment for a future Member Mailbag segment, please email them to us @[email protected], like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing and Your Wallet podcast! In this episode, hosts Grant Gallagher and Shawn Lubitz take a closer look at some of the biggest financial decisions made by celebrities and what everyday people can learn from them. From Mike Tyson’s financial missteps to Oprah’s smart business moves, the conversation focuses on turning high-profile money choices into practical advice.Key discussion topics include avoiding lifestyle creep, recognizing risky financial moves, building multiple income streams, and making confident, intentional choices with your money.Following the main discussion, the team shares their response to a question from the member mailbag. Grant pulls the following submission: I took a break from work to care for my aging parents, and now I’m trying to re-enter the workforce. My savings are running low, and it feels like I’ve fallen behind financially and professionally. Where do I even begin when I feel like I’m starting over in every way?Finally, Grant concludes by highlighting Affinity’s High-Yield Checking account, which combines excellent earning potential with automatic savings growth.Just a reminder if you have a question or comment for a future Member Mailbag segment, please email them to us @[email protected], like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing and Your Wallet podcast! In this episode, hosts Grant Gallagher and Shawn Lubitz welcome Ilona Limonta-Volkova, host of the “Money Memories” podcast, to discuss building healthier financial habits and a positive mindset around money.Key discussion topics include: why financial guilt sticks with us, how family and upbringing shape our money mindset, practical ways to move past shame, and tips for creating healthy financial habits with confidence and support.Following the main discussion, the team shares their response to a question from the member mailbag. Grant pulls the following submission: I’m preparing to relocate for a job opportunity in a new city, and while it’s exciting, I’m realizing how expensive moving actually is. Between deposits, furniture, and the cost of getting settled, it’s overwhelming. What should I prioritize financially during a big life transition like this?Finally, Grant concludes the discussion by highlighting Affinity’s tools and financial wellbeing resources, including blogs, educational events & webinars, credit counseling tools, and more.Just a reminder if you have a question or comment for a future Member Mailbag segment, please email them to us @[email protected], like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Take a listen to the Money Memories podcast here: https://www.npr.org/podcasts/947650726/money-memoriesThanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing and Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher break down the basics of estate planning and why it matters for everyone, not just the wealthy.Key discussion topics include: wills vs. trusts, the role of power of attorney, common estate planning mistakes to avoid, overlooked areas like personal wishes, and how tools like Legal Karma can make planning easier.Following the main discussion, the team shares their response to a question from the member mailbag. Grant pulls the following submission: My sister recently asked me to co-sign on her new car loan because she doesn't have the best credit. I want to help, but I’ve heard co-signing can be risky. How can I support her without putting myself in a bad financial situation?Finally, Grant concludes the discussion by highlighting Affinity’s partnership with Legal Karma, a digital estate planning solution making it easier for members to create essential legal documents like wills, trusts, and powers of attorney.Just a reminder if you have a question or comment for a future Member Mailbag segment, please email them to us @[email protected], like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing and Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher dive into the everyday financial choices that can quietly shape your financial wellbeing. From navigating car loans and resisting online impulse buys to managing subscriptions and social spending, they break down how small decisions can add up, and how to stay in control.Key discussion topics include: smarter ways to evaluate convenience spending, tips for comparing financing options, the hidden impact of Buy Now, Pay Later services, and practical strategies to avoid budget drains in daily life.Following the main discussion, the team shares their response to a question from the member mailbag. Grant pulls the following submission: My child is graduating high school soon and is headed off to college this fall. I'm excited but also feeling overwhelmed by all the financial decisions we need to make. Beyond tuition, what are some common money decisions parents overlook when preparing for a kid to leave the nest?Finally, Grant concludes the discussion by highlighting Affinity’s partnership with Greenlight, a debit card and app that teaches teens how to spend, save, and invest money wisely. Just a reminder if you have a question or comment for a future Member Mailbag segment, please email them to us @[email protected], like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing and Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by Zach Wright, Affinity’s Cannabis Banking Manager, for a conversation surrounding cannabis business banking. Key discussion topics include: the banking challenges cannabis businesses face, the role of financial institutions in supporting this sector, the importance of compliance and public perception, and how Affinity is helping these businesses thrive in New Jersey and beyond.Following the main discussion, the team shares their response to a question from the member mailbag. Grant pulls the following submission: I'm turning 65 next year and as retirement gets closer, I'm realizing I might not be as financially prepared as I thought. I love the idea of finally retiring fully, but with all the economic uncertainty, I’m scared I might run out of money if I stop working completely. Would it be smarter to find a part-time job to ease into retirement, or am I just letting financial anxiety get the best of me?Finally, Grant concludes the discussion by highlighting Affinity’s Business Services. Affinity has a range of services designed to support small businesses, including affordable banking solutions, merchant services for easier business management, and a business credit card with low rates and rewards.Just a reminder if you have a question or comment for a future Member Mailbag segment, please email them to us @[email protected], like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher break down the hidden costs of tariffs and how trade wars can impact your everyday budget.Key discussion topics include: what tariffs and trade deficits are, how they affect prices on essentials like groceries, electronics, and vehicles, and smart strategies to reduce the financial impact, from shopping locally to negotiating bills and staying informed.Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher discuss budgeting for your next summer vacation with Clint Henderson, Managing Editor at The Points Guy. Key discussion topics include: how to start using travel rewards, smart strategies for summer travel savings, insider tips for booking flights and hotels, debunking budget travel myths, underrated money-saving hacks, and where to splurge or save on your next trip.Following the main discussion, the team shares their response to a question from the member mailbag. Grant pulls the following submission: Every time we travel as a family, my kids somehow convince me to buy the overpriced souvenirs, extra theme park upgrades, and whatever overpriced snack catches their eye. I want to make the trip fun without falling into every tourist trap. What are some creative ways to set spending boundaries on a vacation — without feeling like the ‘boring’ parent?Finally, Grant concludes the discussion by highlighting Affinity’s award-winning SmartStart Savings account. Whether you’re saving for a down payment, dream vacation, or rainy day, Affinity is here to help you earn more toward your financial goals with this high-yield savings account.Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher discuss the role of women in finance with Affinity’s AVP of Retail Branch Operations, Antinea Middleton. Key discussion topics include: challenges women face in the workplace, tips for breaking barriers, finding and building mentorship networks, and more. Following the main discussion, the team shares their response to a question from the member mailbag. Grant pulls the following submission: I’ve always been good about paying my bills on time, so I was surprised to see my credit score drop recently. I haven’t taken on new debt or missed any payments, so I don’t know what could be causing it. What are some lesser-known factors that can negatively impact a credit score, and how can I get mine back on track?Finally, Grant concludes the discussion by highlighting Affinity’s Cash Back Debit card, a great checking account where you can earn 1% cashback on purchases for up to $1,000 a month to help you earn more toward your financial goals.Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by Affinity’s AVP of Consumer Lending, Nicole Stovall. In the third installment of their Splitting the Check series, the team begins their discussion with a rapid fire icebreaker to celebrate the 50th episode! Additional key discussion topics include: when should couples start planning financially for a child’s future and what they should prioritize, how couples can align on priorities, education planning, and more. Following the main discussion, the team shares their response to a question from the member mailbag. Grant pulls the following submission: I love finding a good deal, but I also know that sometimes it’s worth spending more for quality. How do you decide when to splurge on a high-quality item versus when to hunt for a bargain? Are there certain things that are always worth the investment?Finally, Grant concludes the discussion by highlighting Affinity’s partnership with Greenlight, a debit card and app that teaches teens how to spend, save, and invest money wisely. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by President and CEO, Kevin Brauer, to discuss Affinity’s 90th anniversary. Key discussion topics include: a deep dive into our rich history and our future vision, key mile milestones that have shaped our history, and our core values that drive us how we're evolving to better serve our members and communities. Following the main discussion, the team shares their response to a question from the member mailbag. Grant pulls the following submission: I keep hearing about people doing “no-spend months” or extreme savings challenges. I love the idea of saving more, but honestly, some of these sound impossible. Are there any realistic, low-effort money challenges that actually work without making life miserable?Finally, Grant concludes the discussion by highlighting Affinity’s tools and financial wellbeing resources, including blogs, educational events & webinars, credit counseling tools, and more.Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher discuss money attachment styles and how they impact our financial decisions.Key discussion topics include: different relationship attachment styles, communicating about money with a partner, improving your own relationship with money, and more. Following the main discussion, the team shares their response to a question from the member mailbag. Grant pulls the following submission: I always feel guilty about spending money, even when it’s for something I need or really want. It’s starting to make it hard to enjoy the things I work so hard for. How can I strike a better balance between saving and spending without feeling so anxious about it?Finally, Grant concludes the discussion by highlighting Affinity’s Cash Back Debit Account, noting how it can be a useful financial tool for individuals and couples.Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by Jamie Boehm, AVP of Digital Experience at Affinity, to discuss planning for your child's financial future.  Key discussion topics include: the importance of teaching kids about money at an early age, ways to introduce financial concepts, technology that can help parents teach financial responsibility, and more. Following the main discussion, the team shares their response to a question from the member mailbag. Grant pulls the following submission: I’ve always avoided getting a credit card because I was worried about overspending, but now I’m thinking it’s time to start building credit and earning rewards. What should I look for in my first card, and how can I make sure I’m using it smartly without falling into bad habits?Finally, Grant concludes the discussion by highlighting Affinity’s partnership with Greenlight, a debit card and app that teaches teens how to spend, save, and invest money wisely. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher look back on 2024.The episode begins with the group sharing their favorite Affinity memories from 2024. They then discuss major partnerships, community events, new product launches, awards, and company updates from throughout the year.Following the main discussion, the team shares their response to a question from the member mailbag. Grant pulls the following submission: I got an unexpected end of year bonus in 2024, and I’m not sure how to factor it into my financial planning this month. Should I splurge on something? Should I put it all in savings? How can I make the most of it? I’d appreciate ideas on what to do with a small boost.Finally, Grant concludes the discussion by highlighting Affinity’s award-winning SmartStart Savings account. Whether you’re saving for a down payment, dream vacation, or rainy day, Affinity is here to help you earn more toward your financial goals with this high-yield savings account.Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher discuss Affinity’s 2024 Holiday Spending Index, breaking down the cost of the holidays this year and sharing ideas for how to spread seasonal cheer on a budget.The episode begins with a discussion on the hosts’ favorite holiday traditions, before they transition into analyzing holiday budgets. They share the overall cost of the holidays for an American family of four, as well as the costs that factor in. Then, they discuss some creative ways to enjoy the holidays while saving money, including carpooling, making crafts, and keeping track of all your expenses.Following the main discussion, the team shares their response to a question from the member mailbag. Grant pulls the following submission: One of my New Year's Resolutions for 2025 involves keeping a tighter budget, especially for unnecessary expenses like entertainment and travel. I’m excited to start, but nervous about keeping up with this throughout the year - I’ve heard that most New Year’s resolutions are broken by February. What tools can I use to track my finances more easily, and how do I save more money without sacrificing too many of the things I enjoy?Finally, Grant concludes the discussion by highlighting Affinity’s tools and financial wellbeing resources, including blogs, educational events & webinars, credit counseling tools, and more.Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by special guest Mark Prasnal to discuss the positive economic and community impacts of supporting small businesses.The episode begins with a discussion about the hosts’ favorite small businesses and how they support their local community. They give shout outs to local restaurants, barbershops, food cooperatives, and more. They unpack why small businesses are so important to owners and customers and outline the resources Affinity provides to support them.Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: With the new year coming up, I’m thinking about getting my financial house in order but honestly don’t know where to begin. If you could recommend just one key financial goal to focus on for next year, what would it be and why?Finally, Grant concludes the discussion by highlighting Affinity’s tools and financial wellbeing resources, including blogs, educational events & webinars, credit counseling tools, and more.Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Grant Gallagher and Shawn Lubitz are joined by Kelly Watts, Executive Director of the Affinity Foundation.The episode begins with the group sharing a memorable experience they’ve had while volunteering and how it's impacted them. Additional topics discussed include: the importance of community wellbeing, local businesses and financial institutions play in strengthening community wellbeing, how you can get involved, and more. Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: Between work, family, and holiday chaos, I always struggle to find time to get involved in my community. I’d love to do more, but I’m worried about overcommitting. Are there any unique, low-commitment ways I can still make a difference in my community without adding too much to my plate?Finally, Grant concludes the discussion by highlighting Affinity’s tools and financial wellbeing resources, including blogs, educational events & webinars, credit counseling tools, and more.Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher shed light on the biggest financial myths! The episode begins with a discussion centered around financial tips they’ve heard growing up that turned out to be a myth. Grant and Shawn provide insight on a handful of myths about investing, debt, credit, homeownership, and more.Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: My place is starting to look like a storage unit, and I’m ready to declutter and make some cash in the process by selling things I don’t need anymore. But honestly, I have no idea where to start. How do I figure out what’s actually worth selling and what’s just junk, and what’s the best way to turn my clutter into cash without driving myself crazy?Finally, Grant concludes the discussion by highlighting Affinity’s tools and financial wellbeing resources, including blogs, educational events & webinars, credit counseling tools, and more. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by Carolyn Morganbesser, Assistant Vice President, Mortgage Originations. The team begins the discussion by asking, “If you could live in any city or country, where would it be and why?”In this "Renting vs. Buying: Which is Right for You?" episode, Grant, Shawn, and Carolyn kick off the discussion by exploring the key factors to consider when deciding whether to rent or buy, covering the advantages and disadvantages of each option in the current economy.Some additional topics addressed included: Key factors to consider when deciding whether to rent or buy a homeConsidering the importance of community and lifestyle Exploring the potential long-term financial benefits of homeownershipFollowing the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: I recently started a new job where I am now working from home and noticed my space is too cramped. I have the flexibility and interest in moving to a new area and potentially even purchasing a home. What considerations should I have top of mind to get a bigger or more functional space and stay within my current budget?Finally, Grant concludes the discussion by highlighting Affinity’s financial platform, Enrich. Whether you want to find a quick financial checkup, discover your money personality, or build financial skills, we're here to guide you through every step. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher discuss practical strategies for significantly reducing grocery spending. The team begins the discussion by asking, “What’s your favorite budget-friendly meal to make?” Grant and Shawn discuss practical strategies for reducing grocery bills and saving money on groceries. They emphasize the importance of avoiding brand loyalty and being open to trying generic or store brand alternatives.Some additional topics addressed included: Avoid impulse purchases when grocery shopping, especially when hungry.The benefits of having a well-stocked pantry of staple ingredients to make meals at home.Strategies for meal prepping and planning to reduce food waste and save money.Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: I find myself eating out way too much during the week—grabbing lunch at work, ordering takeout after a long day, and even indulging on weekends because I'm too lazy to cook. I've tried meal prepping, but I always fall off the wagon. What can I do to stay motivated and make meal planning easier and more sustainable?Finally, Grant concludes the discussion by highlighting Affinity’s Cash Back Debit account, which allows you to earn 1% cash back on up to $1,000 in monthly debit card purchases. The account has no fees and includes benefits such as e-statements, early pay with direct deposit, and member-to-member online banking transfers.Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher address some of the members' most frequent questions.In this “Ask Us Anything” episode, Grant and Shawn kick off the discussion by defining the difference between a bank and a credit union. They then provide an overview of Affinity's wide range of services, including its ownership structure and member-focused approach.Some additional topics addressed included: The difference between a debit vs. credit cardHow to join a credit union and access an account remotelyTips for building emergency funds and savingFollowing the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: I recently came into a small inheritance and want to use it wisely. Should I focus on paying off high-interest debt, investing in the stock market, or putting it toward my mortgage? How do I decide the best way to allocate these funds?Finally, Grant concludes the discussion by highlighting Affinity’s award-winning SmartStart Savings account. Whether you’re saving for a down payment, dream vacation, or rainy day, Affinity is here to help you earn more toward your financial goals with this high-yield savings account. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher discuss all things spending, including paying bills on time, having an emergency fund, and more. Grant and Shawn began the episode by defining what healthy spending is. They discuss strategies to curb impulsive spending, such as avoiding the urge to spend an entire paycheck immediately and using methods like freezing credit cards. Some additional topics included: The importance of monitoring spending The balance between spending money on yourself and enjoying experiences The misconception of what constitutes healthy spendingFollowing the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: I’ve recently developed a photography hobby, and I’m loving it, but the cost of new lenses and gear is starting to add up. I want to keep exploring this hobby without draining my savings. Any advice on how to balance my passion for photography with my budget?Finally, Grant concludes the discussion by highlighting Affinity’s tools and financial wellbeing resources, including blogs, educational events & webinars, and the opening of Affinity’s new branch in Lawrenceville, NJ.Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by Anthony Russomano, a Certified Health Coach and owner of Russomano Training. Anthony joins the show to discuss the importance of physical wellbeing. Grant, Shawn, and Anthony kick-off the episode by defining what physical wellbeing is, and how it impacts your overall health and happiness. They then break down how investing in physical wellbeing can lead to long-term financial savings and how to make informed dietary choices without breaking the bank. Some additional topics included: Alternative ways to enjoy exercising if you are unable to go to the gymThe connection between sleep and financial stabilityThe importance of goal setting for physical wellbeing Following the main discussion, Shawn pulled a submitted question from the member mailbag, and the team shared their responses: I've been struggling to balance my physical wellbeing with my financial responsibilities lately, and I'm feeling overwhelmed. As a single parent working multiple jobs to make ends meet, I find it challenging to prioritize exercise and healthy eating on a budget. Do you have any tips for fitting physical activity and nutritious meals into a tight budget and busy schedule? I want to prioritize my health, but it feels like there's never enough time or money to do so effectively.Finally, Grant concludes the discussion by highlighting Affinity’s tools and financial wellbeing resources, including blogs, educational events & webinars, credit counseling tools, and more.Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher discuss how you can effectively manage your budget this summer. Grant and Shawn kick-off the episode by providing an overview of Affinity’s annual “Cost of a Day at the Jersey Shore” index, discussing travel trends and how inflation will impact your wallet. Additionally, they share strategies for managing higher costs this summer. Some additional topics included: Cost-effective vacation alternatives Tips on what will be worth splurging money on during vacationThe importance of pre-vacation planning and creating an itinerary Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: As I'm planning my summer vacation with my family, I'm finding it tough to figure out where to spend our money for the best value. I want to make sure we enjoy some special experiences, but I also need to keep an eye on our budget. What’s the best approach to balance splurging with saving, so we can have a memorable trip without breaking the bank?Finally, Grant concludes the discussion by highlighting Affinity’s Cash Back Debit account, a great checking account where you can earn 1% cashback on purchases for up to $1,000 a month to help you earn more toward your financial goals.Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by Tammy Latif, Human Resource Generalist at Affinity to discuss the concept of career wellbeing. Grant, Shawn, and Tammy kick-off the episode by discussing how your career influences your overall wellbeing. They also provide insight about how mentorship can foster personal growth. Some additional topics included: Navigating tough conversations in the workplace Tips and best practices on how you can align personal and professional goalsFollowing the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: I've been feeling a bit stuck in my current job lately and I'm starting to question If it's the right fit for me. I appreciate the stability and benefits, but I find myself lacking fulfillment and passion for the work I do. I've considered talking to my manager about my concerns, but I'm worried it might backfire or even jeopardize my career. How can I navigate the conversation with my manager effectively while also prioritizing my wellbeing?Finally, Grant concludes the discussion by highlighting Affinity’s award-winning SmartStart Savings account! Whether you’re saving for a down payment, dream vacation, or rainy day, Affinity is here to help you earn more toward your financial goals with this high-yield savings account.Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In this episode, expert hosts Shawn Lubitz and Grant Gallagher discuss financial “FOMO”. Grant and Shawn kick-off the episode by breaking down what Financial “FOMO” is, who it impacts, and what you can do to avoid making poor financial decisions. They also break down how social media plays a role in creating “FOMO”, and the financial repercussions behind it. Some additional topics included: Effective strategies for practicing mindful spending and reducing financial FOMOLong-term financial implications of making decisions based on FOMOFollowing the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: I set a budget for my summer vacation, but I always end up either overspending or feeling like I missed out because I didn't want to stretch my finances too thin. This year, I'm determined to stick to my budget, but I also want to make sure I enjoy my time off. Do you have any practical advice on how to plan a summer vacation that's both financially responsible and enjoyable?Finally, Grant concludes the discussion by highlighting Affinity’s Cash Back Debit card, a great checking account where you can earn 1% cashback on purchases for up to $1,000 a month to help you earn more toward your financial goals.Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the thirty-third episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by Veronica Perez to discuss changing security habits to safeguard your information and accounts.The team begins their discussion by asking: What's the most surprising place or situation where you've encountered a potential scam? And explore the important things to look out for. Grant and the team dive into the evolution of financial scams, sharing light on how scammers utilize technology to expand their reach and target more victims. Veronica emphasizes red flags, including unsolicited offers that seem too good to be true or requests for sensitive personal information.Some additional topics covered include:Identifying common scamsActions to take if your data is compromisedFollowing the main discussion, Grant opens the Member Mailbag to answer the member-submitted question: I'm in my late 20s and have just started to seriously think about my financial future. I've managed to save up a bit of an emergency fund, but beyond that, I'm not sure where to focus my financial efforts. Should I prioritize paying off my student loans, investing in a retirement account, or perhaps saving for a down payment on a house? I feel stretched thin thinking about all these options and don't want to make a mistake that I'll regret later.To wrap up this week’s episode, Grant highlights Affinity’s Fraud Prevention Hub, which offers support in phishing and phone scams, and resolving ID theft and fraud. Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the thirty-second episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by Carolyn Morganbesser to discuss today’s homebuying environment. Grant, Shawn and Carolyn kickoff the discussion by providing an overview of current trends in the housing market, and how it’s impacting financial wellbeing. They share tips for all types of homebuyers, and additional costs that need to be considered besides the mortgage. Some additional topics included:Strategies to build and maintain a strong credit score Myths and realities to consider when buying a homeTips for saving for a down payment Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: I am recently engaged, and looking to buy a new home with my partner. What are the key benefits that Affinity's mortgage services have to offer? Are there any benefits to help first time homebuyers?Grant concludes the discussion by highlighting Affinity’s suite of mortgage products and services. Whether you are a first time homebuyer or an experienced homebuyer, Affinity has a variety of mortgage solutions and tools to meet your needs.Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the thirty-first episode, expert hosts Shawn Lubitz and Grant Gallagher are joined by Oscar Cordoba, Financial Education & External Affairs Manager at Affinity. Grant, Shawn, and Oscar kick off the episode centered around financial literacy and wellbeing by discussing the importance of understanding credit. They break down the relationship between financial stress, mental health, and the role financial literacy plays in overall wellbeing. Some additional topics included:Tips for exploring free financial education resources and tools Incorporating financial literacy into daily activities and decision-makingHow to handle a financial crisis Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: Two years ago, I purchased a car that I thought was within my budget. However, as time has passed, I've realized I bit off more than I can chew, and the monthly payments are starting to become unmanageable, and I still have a couple of years left on my loan. What options do I have to alleviate this situation without severely damaging my credit score or financial future?Finally, Grant concludes the discussion by highlighting Affinity’s tools and financial wellbeing resources, including blogs, educational events & webinars, credit counseling tools, and more.Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the thirtieth episode, expert hosts Shawn Lubitz and Grant Gallagher take part in a “financial purge”. Grant and Shawn kick-off the episode by reviewing their spending habits from last year, and what they can improve on for this year. They also check in on their new year's resolutions, and how they are progressing toward their financial goals. Some additional topics included: Actionable steps to conduct your own “financial purge”Shifting everyday spending habits to help you save Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: While going to Starbucks was my daily highlight, a financial review revealed its huge impact on my bank account. I  received a coffee machine for Christmas, and I am certain using it would benefit my finances. However, these daily visits are part of my routine and I look forward to them. Is it that damaging to continue? Would this choice significantly affect my overall financial well-being?Finally, Grant concludes the discussion by highlighting Affinity’s tools and financial wellbeing resources, including blogs, educational events & webinars, credit counseling tools, and more.Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.

Affinity Federal Credit Union presents the Wellbeing And Your Wallet podcast! In the twenty-ninth episode, expert hosts Shawn Lubitz and Grant Gallagher provide an overview of all of the various financial products and services consumers should consider. Grant and Shawn kick-off the episode by discussing what credit unions offer and why they are important. They break down the different financial products and services available to consumers including checking and savings accounts, investment services, loans, credit cards, CDs, and more. Some additional topics included: Credit union membership benefits Financial wellbeing and financial education tools Following the main discussion, Grant pulled a submitted question from the member mailbag, and the team shared their responses: For someone new to managing finances, I'm interested in exploring credit cards for everyday use. Could you recommend a credit card that has practical benefits for daily expenses, and what key features should I consider when making a choice?Finally, Grant concludes the discussion by highlighting Affinity’s Cash Back Debit card, a great checking account where you can earn 1% cashback on purchases for up to $1,000 a month to help you earn more toward your financial goals.Just a reminder if you have a question or comment for a future Member Mailbag segment, please send it to @affinityfcu on Facebook or X/Twitter with #MemberMailbag.Rate, like, and subscribe for more from the Wellbeing and Your Wallet podcast. Visit www.affinityfcu.com for additional information about financial wellbeing and Affinity products.Thanks for listening and be well.