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  <copyright>© 2026 VyStar Credit Union</copyright>
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  <itunes:author>VyStar Credit Union</itunes:author>
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  <description><![CDATA[<p>Welcome to VyCast, by VyStar Credit Union, where we bring a blend of knowledge, expertise, and fun to the world of finance.  Good financial health is not just about numbers and statistics, it’s also about building relationships and making the most of every opportunity to grow.​ We also highlight incredible community partners who are helping us live out our purpose to Do Good in the places we call home. Stay tuned for our exciting episodes, packed with insights and practical tips that will help you achieve your financial goals.​&nbsp;</p><p><br>Disclosure: The content provided in this podcast consists of the opinions and ideas of the creators alone and should be used for informational purposes only. The opinions expressed should not be considered legal, financial, or tax advice, and are not meant to replace such advice. VyStar Credit Union is not responsible for any losses, damages, or liabilities that may arise from decisions you make based on the information provided. The opinions expressed in this podcast are those of the guests and not VyStar Credit Union or its management.&nbsp;</p>]]></description>
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    <itunes:title>Good Starts Here: Celebrating Five Years of Good is everywhere</itunes:title>
    <title>Good Starts Here: Celebrating Five Years of Good is everywhere</title>
    <itunes:summary><![CDATA[From feeding families to supporting local nonprofits, every act of service helps build stronger communities. In this special VyCast episode, we celebrate five years of Good is everywhere and highlight the partnerships, volunteers and everyday heroes making a difference across Florida and Georgia. Discover how you can be part of the movement and help prove that good truly is everywhere   #VyCast #GoodIsEverywhere #GoodStartsHere #VyStarCU #CommunityImpact #Volunteerism #StrongerTogether #...]]></itunes:summary>
    <description><![CDATA[<p>From feeding families to supporting local nonprofits, every act of service helps build stronger communities. In this special VyCast episode, we celebrate five years of Good is everywhere and highlight the partnerships, volunteers and everyday heroes making a difference across Florida and Georgia. Discover how you can be part of the movement and help prove that good truly is everywhere</p><p> </p><p>#VyCast #GoodIsEverywhere #GoodStartsHere #VyStarCU #CommunityImpact #Volunteerism #StrongerTogether #MakingADifference #FoodDrive #EndHunger</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></description>
    <content:encoded><![CDATA[<p>From feeding families to supporting local nonprofits, every act of service helps build stronger communities. In this special VyCast episode, we celebrate five years of Good is everywhere and highlight the partnerships, volunteers and everyday heroes making a difference across Florida and Georgia. Discover how you can be part of the movement and help prove that good truly is everywhere</p><p> </p><p>#VyCast #GoodIsEverywhere #GoodStartsHere #VyStarCU #CommunityImpact #Volunteerism #StrongerTogether #MakingADifference #FoodDrive #EndHunger</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></content:encoded>
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    <itunes:author>VyStar Credit Union</itunes:author>
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    <pubDate>Tue, 01 Sep 2026 14:00:00 -0400</pubDate>
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    <itunes:duration>783</itunes:duration>
    <itunes:keywords>good is everywhere</itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>23</itunes:episode>
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    <podcast:person role="guest">Kemal Gasper</podcast:person>
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    <itunes:title>Title Fraud: What Every Homeowner Needs to Know </itunes:title>
    <title>Title Fraud: What Every Homeowner Needs to Know </title>
    <itunes:summary><![CDATA[Could someone steal your home without ever stepping foot on your property? In this episode of VyCast, we dive into the growing threat of title fraud and explain how scammers use stolen identities and fraudulent documents to target homeowners. Learn how title fraud works, warning signs to watch for, and practical steps you can take to help protect your home, finances, and peace of mind. Whether you're a first-time homebuyer or a longtime homeowner, this conversation offers valuable insights to...]]></itunes:summary>
    <description><![CDATA[<p>Could someone steal your home without ever stepping foot on your property? In this episode of VyCast, we dive into the growing threat of title fraud and explain how scammers use stolen identities and fraudulent documents to target homeowners.</p><p>Learn how title fraud works, warning signs to watch for, and practical steps you can take to help protect your home, finances, and peace of mind. Whether you&apos;re a first-time homebuyer or a longtime homeowner, this conversation offers valuable insights to help you stay informed and safeguarded against evolving scams.</p><p>Subscribe to VyCast for more conversations that help you build financial confidence and protect what matters most.</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></description>
    <content:encoded><![CDATA[<p>Could someone steal your home without ever stepping foot on your property? In this episode of VyCast, we dive into the growing threat of title fraud and explain how scammers use stolen identities and fraudulent documents to target homeowners.</p><p>Learn how title fraud works, warning signs to watch for, and practical steps you can take to help protect your home, finances, and peace of mind. Whether you&apos;re a first-time homebuyer or a longtime homeowner, this conversation offers valuable insights to help you stay informed and safeguarded against evolving scams.</p><p>Subscribe to VyCast for more conversations that help you build financial confidence and protect what matters most.</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></content:encoded>
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    <itunes:author>VyStar Credit Union</itunes:author>
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    <pubDate>Thu, 06 Aug 2026 14:00:00 -0400</pubDate>
    <itunes:duration>775</itunes:duration>
    <itunes:keywords>VyCast, Title Fraud, Fraud Prevention, Homeownership, Financial Wellness, VyStar Credit Union</itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>22</itunes:episode>
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    <itunes:title>How 40,000 People Paid Off $28 Million in Debt</itunes:title>
    <title>How 40,000 People Paid Off $28 Million in Debt</title>
    <itunes:summary><![CDATA[What happens when thousands of people come together with a common goal: taking control of their finances? In this special on-location episode of VyCast, recorded at WKMG News 6 in Orlando, we wrap up the VyStar Debt Payoff 90-Day Challenge and share the incredible results.  More than 40,000 participants collectively paid down over $28 million in debt while gaining tools, resources and support to help build stronger financial futures.  Host Charlene Shirk is joined by Dana Karzan, Ch...]]></itunes:summary>
    <description><![CDATA[<p>What happens when thousands of people come together with a common goal: taking control of their finances?</p><p>In this special on-location episode of VyCast, recorded at WKMG News 6 in Orlando, we wrap up the VyStar Debt Payoff 90-Day Challenge and share the incredible results. </p><p>More than 40,000 participants collectively paid down over $28 million in debt while gaining tools, resources and support to help build stronger financial futures. </p><p>Host Charlene Shirk is joined by Dana Karzan, Chief Marketing Officer at VyStar Credit Union, and Daniel Venegas, Director of Policy &amp; Advocacy at Heart of Florida United Way, to discuss:</p><ul><li>The inspiration behind the Debt Payoff Challenge </li><li>Key findings from VyStar’s 2026 State of Financial Stability in the Southeast study </li><li>Why financial stress has become a leading concern for many households </li><li>Understanding ALICE (Asset Limited, Income Constrained, Employed) households </li><li>How community resources can help families navigate financial challenges</li><li>Real success stories from challenge participants who are building momentum toward their goals</li></ul><p>Whether you&apos;re working to pay down debt, build savings, improve your credit, or simply gain more financial confidence, this conversation offers practical insights and encouragement to help you take the next step.</p><p>Learn how small actions can lead to meaningful financial progress. Subscribe to VyCast for more conversations about financial wellness, community impact and stories that help you bank better.</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></description>
    <content:encoded><![CDATA[<p>What happens when thousands of people come together with a common goal: taking control of their finances?</p><p>In this special on-location episode of VyCast, recorded at WKMG News 6 in Orlando, we wrap up the VyStar Debt Payoff 90-Day Challenge and share the incredible results. </p><p>More than 40,000 participants collectively paid down over $28 million in debt while gaining tools, resources and support to help build stronger financial futures. </p><p>Host Charlene Shirk is joined by Dana Karzan, Chief Marketing Officer at VyStar Credit Union, and Daniel Venegas, Director of Policy &amp; Advocacy at Heart of Florida United Way, to discuss:</p><ul><li>The inspiration behind the Debt Payoff Challenge </li><li>Key findings from VyStar’s 2026 State of Financial Stability in the Southeast study </li><li>Why financial stress has become a leading concern for many households </li><li>Understanding ALICE (Asset Limited, Income Constrained, Employed) households </li><li>How community resources can help families navigate financial challenges</li><li>Real success stories from challenge participants who are building momentum toward their goals</li></ul><p>Whether you&apos;re working to pay down debt, build savings, improve your credit, or simply gain more financial confidence, this conversation offers practical insights and encouragement to help you take the next step.</p><p>Learn how small actions can lead to meaningful financial progress. Subscribe to VyCast for more conversations about financial wellness, community impact and stories that help you bank better.</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></content:encoded>
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    <itunes:author>VyStar Credit Union</itunes:author>
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    <pubDate>Thu, 06 Aug 2026 14:00:00 -0400</pubDate>
    <itunes:duration>1693</itunes:duration>
    <itunes:keywords>VyCast, VyStar Credit Union, Debt Payoff Challenge, Financial Fitness, Financial Stability, United Way</itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>21</itunes:episode>
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    <podcast:person role="guest">Daniel Vanegas</podcast:person>
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    <itunes:title>Behind the Impact: VyStar Volunteers of the Year</itunes:title>
    <title>Behind the Impact: VyStar Volunteers of the Year</title>
    <itunes:summary><![CDATA[On this episode of VyCast, we celebrate the people and purpose behind VyStar’s Volunteer of the Year Awards. These honorees share what inspires them to give back, how volunteering has shaped their personal and professional growth, and the impact they are making in the communities we serve. You will also hear how volunteerism is woven into VyStar’s culture, with meaningful opportunities and strong support that empower employees to show up, give back, and make a difference. Subscribe for more s...]]></itunes:summary>
    <description><![CDATA[<p>On this episode of VyCast, we celebrate the people and purpose behind VyStar’s Volunteer of the Year Awards. These honorees share what inspires them to give back, how volunteering has shaped their personal and professional growth, and the impact they are making in the communities we serve. You will also hear how volunteerism is woven into VyStar’s culture, with meaningful opportunities and strong support that empower employees to show up, give back, and make a difference. Subscribe for more stories that help you do good and bank better.</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></description>
    <content:encoded><![CDATA[<p>On this episode of VyCast, we celebrate the people and purpose behind VyStar’s Volunteer of the Year Awards. These honorees share what inspires them to give back, how volunteering has shaped their personal and professional growth, and the impact they are making in the communities we serve. You will also hear how volunteerism is woven into VyStar’s culture, with meaningful opportunities and strong support that empower employees to show up, give back, and make a difference. Subscribe for more stories that help you do good and bank better.</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></content:encoded>
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    <itunes:author>VyStar Credit Union</itunes:author>
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    <pubDate>Fri, 15 May 2026 16:00:00 -0400</pubDate>
    <itunes:duration>1006</itunes:duration>
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    <itunes:episode>20</itunes:episode>
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    <podcast:person role="guest">Kemal Gasper</podcast:person>
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    <itunes:title>How Community and Data Come Together to Drive Change</itunes:title>
    <title>How Community and Data Come Together to Drive Change</title>
    <itunes:summary><![CDATA[In this episode of VyCast, VyStar Credit Union examines the State of Finances in the Southeast through its study with TransUnion, with added insight from United Way, which provided ALICE data that helped shape the findings. The discussion highlights how the data influenced the results, what community partners are seeing among the populations they serve, and how these insights are driving action through initiatives like VyStar’s Debt Payoff Challenge, designed to support greater financial stab...]]></itunes:summary>
    <description><![CDATA[<p>In this episode of VyCast, VyStar Credit Union examines the <b>State of Finances in the Southeast</b> through its study with TransUnion, with added insight from United Way, which provided <b>ALICE data</b> that helped shape the findings. The discussion highlights how the data influenced the results, what community partners are seeing among the populations they serve, and how these insights are driving action through initiatives like VyStar’s <b>Debt Payoff Challenge</b>, designed to support greater financial stability and confidence.</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></description>
    <content:encoded><![CDATA[<p>In this episode of VyCast, VyStar Credit Union examines the <b>State of Finances in the Southeast</b> through its study with TransUnion, with added insight from United Way, which provided <b>ALICE data</b> that helped shape the findings. The discussion highlights how the data influenced the results, what community partners are seeing among the populations they serve, and how these insights are driving action through initiatives like VyStar’s <b>Debt Payoff Challenge</b>, designed to support greater financial stability and confidence.</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></content:encoded>
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    <itunes:author>VyStar Credit Union</itunes:author>
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    <pubDate>Thu, 09 Apr 2026 09:00:00 -0400</pubDate>
    <itunes:duration>1358</itunes:duration>
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    <itunes:season>1</itunes:season>
    <itunes:episode>19</itunes:episode>
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    <podcast:person role="guest" img="https://storage.buzzsprout.com/zdgphmor3ovdnwhaz604j8rngett">Coretta Hill</podcast:person>
    <podcast:person role="guest" img="https://storage.buzzsprout.com/t3lzfiziif3w93k5otr74yj7h42i">Jonathan Hanson</podcast:person>
    <podcast:person role="host" img="https://storage.buzzsprout.com/3xkj258a898e9c2sbb4qhth52q16">Charlene Shirk</podcast:person>
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    <itunes:title>Investing for Life: Strategies That Grow With You</itunes:title>
    <title>Investing for Life: Strategies That Grow With You</title>
    <itunes:summary><![CDATA[Investing isn’t one-size-fits-all and your strategy should evolve as your life does. In this VyCast episode, our VyStar Investment Services experts break down smart investing strategies for every stage of life, from getting started early to building wealth in your peak earning years and planning for retirement. In celebration of 25 years of VyStar Investment Services, now proudly managing more than $2 billion in member assets, the conversation also highlights practical, confidence‑building ti...]]></itunes:summary>
    <description><![CDATA[<p>Investing isn’t one-size-fits-all and your strategy should evolve as your life does. In this VyCast episode, our VyStar Investment Services experts break down smart investing strategies for every stage of life, from getting started early to building wealth in your peak earning years and planning for retirement.</p><p>In celebration of 25 years of VyStar Investment Services, now proudly managing more than $2 billion in member assets, the conversation also highlights practical, confidence‑building tips designed specifically for women in recognition of Women’s History Month.</p><p>Whether you’re just beginning your investment journey or fine‑tuning your long‑term plan, this episode offers timely insights to help you invest with purpose and clarity.</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></description>
    <content:encoded><![CDATA[<p>Investing isn’t one-size-fits-all and your strategy should evolve as your life does. In this VyCast episode, our VyStar Investment Services experts break down smart investing strategies for every stage of life, from getting started early to building wealth in your peak earning years and planning for retirement.</p><p>In celebration of 25 years of VyStar Investment Services, now proudly managing more than $2 billion in member assets, the conversation also highlights practical, confidence‑building tips designed specifically for women in recognition of Women’s History Month.</p><p>Whether you’re just beginning your investment journey or fine‑tuning your long‑term plan, this episode offers timely insights to help you invest with purpose and clarity.</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></content:encoded>
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    <itunes:author>VyStar Credit Union</itunes:author>
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    <pubDate>Fri, 20 Mar 2026 14:00:00 -0400</pubDate>
    <itunes:duration>776</itunes:duration>
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    <itunes:season>1</itunes:season>
    <itunes:episode>18</itunes:episode>
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    <podcast:person role="guest" img="https://storage.buzzsprout.com/wjvoot7so85swfkc443wkk9rhhsz">Stefanie Starling, MBA, CFP® </podcast:person>
    <podcast:person role="guest" img="https://storage.buzzsprout.com/akyq59aa5ebelwbqi0fyvy8gpf8p">Wade Bramlitt, CRPC®, AIF® </podcast:person>
    <podcast:person role="host" img="https://storage.buzzsprout.com/3xkj258a898e9c2sbb4qhth52q16">Charlene Shirk</podcast:person>
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    <itunes:title>What You Don’t Know About Insurance Could Cost You</itunes:title>
    <title>What You Don’t Know About Insurance Could Cost You</title>
    <itunes:summary><![CDATA[On this episode of VyCast, we take on a topic that impacts nearly every financial decision you make: insurance. From auto and homeowners insurance to life and specialty coverage, this conversation breaks down common misconceptions and explains why many people are more underinsured than they realize. You’ll learn: Why many drivers and homeowners are actually underinsuredWhat’s not covered in standard insurance policies — and why that mattersHow to avoid hidden coverage gaps before you ever nee...]]></itunes:summary>
    <description><![CDATA[<p>On this episode of VyCast, we take on a topic that impacts nearly every financial decision you make: insurance. From auto and homeowners insurance to life and specialty coverage, this conversation breaks down common misconceptions and explains why many people are more underinsured than they realize.<br/>You’ll learn:</p><ul><li>Why many drivers and homeowners are actually underinsured</li><li>What’s <em>not</em> covered in standard insurance policies — and why that matters</li><li>How to avoid hidden coverage gaps before you ever need to file a claim</li><li>Why shopping by price alone can leave you financially exposed</li><li>Simple steps to make sure your insurance keeps up with your life</li><li>If you want clearer answers, smarter protection, and greater peace of mind, this episode is for you.</li></ul><p>Learn more or request a free policy review at <a href='https://vystarcu.org'>vystarcu.org</a></p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></description>
    <content:encoded><![CDATA[<p>On this episode of VyCast, we take on a topic that impacts nearly every financial decision you make: insurance. From auto and homeowners insurance to life and specialty coverage, this conversation breaks down common misconceptions and explains why many people are more underinsured than they realize.<br/>You’ll learn:</p><ul><li>Why many drivers and homeowners are actually underinsured</li><li>What’s <em>not</em> covered in standard insurance policies — and why that matters</li><li>How to avoid hidden coverage gaps before you ever need to file a claim</li><li>Why shopping by price alone can leave you financially exposed</li><li>Simple steps to make sure your insurance keeps up with your life</li><li>If you want clearer answers, smarter protection, and greater peace of mind, this episode is for you.</li></ul><p>Learn more or request a free policy review at <a href='https://vystarcu.org'>vystarcu.org</a></p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></content:encoded>
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    <itunes:author>VyStar Credit Union</itunes:author>
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    <pubDate>Fri, 13 Feb 2026 16:00:00 -0500</pubDate>
    <itunes:duration>958</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>17</itunes:episode>
    <itunes:episodeType>full</itunes:episodeType>
    <itunes:explicit>false</itunes:explicit>
    <podcast:person role="guest" img="https://storage.buzzsprout.com/xsup6kgrczsnofka0ly6ck5645j6">Tamara Naar</podcast:person>
    <podcast:person role="host" img="https://storage.buzzsprout.com/3xkj258a898e9c2sbb4qhth52q16">Charlene Shirk</podcast:person>
  </item>
  <item>
    <itunes:title>Money Moves to Make Before the End of the Year</itunes:title>
    <title>Money Moves to Make Before the End of the Year</title>
    <itunes:summary><![CDATA[As the year winds down, it’s the perfect time to review your finances and set yourself up for success in the new year. In this episode of VyCast, we sit down with Marc Streebel, VP of VyStar@Work, to discuss smart financial strategies you can implement before December 31. From maximizing tax benefits and reviewing retirement contributions to tackling debt and planning for major purchases, Marc shares actionable tips that can help you finish the year strong and start the next one with confiden...]]></itunes:summary>
    <description><![CDATA[<p>As the year winds down, it’s the perfect time to review your finances and set yourself up for success in the new year. In this episode of VyCast, we sit down with Marc Streebel, VP of VyStar@Work, to discuss smart financial strategies you can implement before December 31.</p><p>From maximizing tax benefits and reviewing retirement contributions to tackling debt and planning for major purchases, Marc shares actionable tips that can help you finish the year strong and start the next one with confidence.<b> </b></p><p><b>What You’ll Learn:</b></p><ul><li>Key financial moves to make before year-end</li><li>How to optimize your budget for holiday spending</li><li>Strategies for reducing debt and boosting savings</li><li>Why planning now can save you money later</li></ul><p>Don’t miss these expert insights—your future self will thank you!</p><p><b>Subscribe to VyCast for more financial tips and community stories.</b></p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></description>
    <content:encoded><![CDATA[<p>As the year winds down, it’s the perfect time to review your finances and set yourself up for success in the new year. In this episode of VyCast, we sit down with Marc Streebel, VP of VyStar@Work, to discuss smart financial strategies you can implement before December 31.</p><p>From maximizing tax benefits and reviewing retirement contributions to tackling debt and planning for major purchases, Marc shares actionable tips that can help you finish the year strong and start the next one with confidence.<b> </b></p><p><b>What You’ll Learn:</b></p><ul><li>Key financial moves to make before year-end</li><li>How to optimize your budget for holiday spending</li><li>Strategies for reducing debt and boosting savings</li><li>Why planning now can save you money later</li></ul><p>Don’t miss these expert insights—your future self will thank you!</p><p><b>Subscribe to VyCast for more financial tips and community stories.</b></p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></content:encoded>
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    <itunes:author>VyStar Credit Union</itunes:author>
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    <pubDate>Fri, 05 Dec 2025 12:00:00 -0500</pubDate>
    <itunes:duration>380</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>15</itunes:episode>
    <itunes:episodeType>full</itunes:episodeType>
    <itunes:explicit>false</itunes:explicit>
    <podcast:person role="guest" img="https://storage.buzzsprout.com/t4z3fzkltehztwn063xkz9862d7v">Marc Streebel</podcast:person>
    <podcast:person role="host" img="https://storage.buzzsprout.com/3xkj258a898e9c2sbb4qhth52q16">Charlene Shirk</podcast:person>
  </item>
  <item>
    <itunes:title>Holiday Hustles: Outsmarting Scammers This Season</itunes:title>
    <title>Holiday Hustles: Outsmarting Scammers This Season</title>
    <itunes:summary><![CDATA[Think you know what phishing, vishing, smishing, and bank jugging mean? Spoiler alert: they’re not trendy slang; they’re scams that can steal your money faster than you can say “holiday shopping spree.” In this episode, we break down these tricks and traps with Stephanie Curtis, VyStar’s Chief Member Experience Officer and one of our top fraud fighters! Learn how to spot scams, protect your information, and keep your holidays stress-free. #HolidayTips #FraudPrevention #VyCast VyStar Credit Un...]]></itunes:summary>
    <description><![CDATA[<p>Think you know what <em>phishing, vishing, smishing,</em> and <em>bank jugging</em> mean? Spoiler alert: they’re not trendy slang; they’re scams that can steal your money faster than you can say “holiday shopping spree.”</p><p>In this episode, we break down these tricks and traps with Stephanie Curtis, VyStar’s Chief Member Experience Officer and one of our top fraud fighters! Learn how to spot scams, protect your information, and keep your holidays stress-free.</p><p>#HolidayTips #FraudPrevention #VyCast</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></description>
    <content:encoded><![CDATA[<p>Think you know what <em>phishing, vishing, smishing,</em> and <em>bank jugging</em> mean? Spoiler alert: they’re not trendy slang; they’re scams that can steal your money faster than you can say “holiday shopping spree.”</p><p>In this episode, we break down these tricks and traps with Stephanie Curtis, VyStar’s Chief Member Experience Officer and one of our top fraud fighters! Learn how to spot scams, protect your information, and keep your holidays stress-free.</p><p>#HolidayTips #FraudPrevention #VyCast</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></content:encoded>
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    <itunes:author>VyStar Credit Union</itunes:author>
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    <pubDate>Tue, 18 Nov 2025 16:00:00 -0500</pubDate>
    <podcast:soundbite startTime="160.017" duration="24.0" />
    <itunes:duration>1023</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>14</itunes:episode>
    <itunes:episodeType>full</itunes:episodeType>
    <itunes:explicit>false</itunes:explicit>
    <podcast:person role="guest" img="https://storage.buzzsprout.com/ff9yi9u1wbm0b9z7codq9g6pta8e">Stephanie Curtis</podcast:person>
    <podcast:person role="host" img="https://storage.buzzsprout.com/3xkj258a898e9c2sbb4qhth52q16">Charlene Shirk</podcast:person>
  </item>
  <item>
    <itunes:title>Homeownership for Heroes: VyStar’s Answer to the Housing Crisis</itunes:title>
    <title>Homeownership for Heroes: VyStar’s Answer to the Housing Crisis</title>
    <itunes:summary><![CDATA[In this episode of VyCast, host Charlene Shirk sits down with Jason Sorochinsky, VyStar’s SVP of Real Estate Lending, to explore how VyStar is tackling one of the most pressing challenges facing our communities—affordable housing. Learn about the Everyday Heroes Mortgage Program, a groundbreaking initiative designed to help first-time homebuyers in Florida and Georgia who serve in essential roles such as teachers, nurses, law enforcement, EMTs, and more achieve the dream of homeownership. VyS...]]></itunes:summary>
    <description><![CDATA[<p>In this episode of VyCast, host Charlene Shirk sits down with Jason Sorochinsky, VyStar’s SVP of Real Estate Lending, to explore how VyStar is tackling one of the most pressing challenges facing our communities—affordable housing. Learn about the Everyday Heroes Mortgage Program, a groundbreaking initiative designed to help first-time homebuyers in Florida and Georgia who serve in essential roles such as teachers, nurses, law enforcement, EMTs, and more achieve the dream of homeownership.</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></description>
    <content:encoded><![CDATA[<p>In this episode of VyCast, host Charlene Shirk sits down with Jason Sorochinsky, VyStar’s SVP of Real Estate Lending, to explore how VyStar is tackling one of the most pressing challenges facing our communities—affordable housing. Learn about the Everyday Heroes Mortgage Program, a groundbreaking initiative designed to help first-time homebuyers in Florida and Georgia who serve in essential roles such as teachers, nurses, law enforcement, EMTs, and more achieve the dream of homeownership.</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></content:encoded>
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    <itunes:author>VyStar Credit Union</itunes:author>
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    <pubDate>Thu, 13 Nov 2025 15:00:00 -0500</pubDate>
    <itunes:duration>568</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>13</itunes:episode>
    <itunes:episodeType>full</itunes:episodeType>
    <itunes:explicit>false</itunes:explicit>
    <podcast:person role="guest" img="https://storage.buzzsprout.com/7hlcls3jsbi1ynehvjohwwu25uq1">Jason Sorochinsky</podcast:person>
    <podcast:person role="host" img="https://storage.buzzsprout.com/3xkj258a898e9c2sbb4qhth52q16">Charlene Shirk</podcast:person>
  </item>
  <item>
    <itunes:title>Fraud Busters: Unmasking Scams and Protecting Your Money</itunes:title>
    <title>Fraud Busters: Unmasking Scams and Protecting Your Money</title>
    <itunes:summary><![CDATA[Become your own "Fraud Buster" as we dive into the world of fraud detection and scam prevention. VyStar Credit Union's SVP of Operations Stephanie Curtis helps us uncover the latest trending scams that consumers need to know about, providing you with the tools and knowledge to protect your finances. Stay informed, stay safe, and become a fraud-busting expert with our expert insights and real-life stories. VyStar Credit Union   Tweet us at @OfficialVyStar  Watch us at @VyStarCreditUn...]]></itunes:summary>
    <description><![CDATA[<p>Become your own &quot;Fraud Buster&quot; as we dive into the world of fraud detection and scam prevention. VyStar Credit Union&apos;s SVP of Operations Stephanie Curtis helps us uncover the latest trending scams that consumers need to know about, providing you with the tools and knowledge to protect your finances. Stay informed, stay safe, and become a fraud-busting expert with our expert insights and real-life stories.</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></description>
    <content:encoded><![CDATA[<p>Become your own &quot;Fraud Buster&quot; as we dive into the world of fraud detection and scam prevention. VyStar Credit Union&apos;s SVP of Operations Stephanie Curtis helps us uncover the latest trending scams that consumers need to know about, providing you with the tools and knowledge to protect your finances. Stay informed, stay safe, and become a fraud-busting expert with our expert insights and real-life stories.</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></content:encoded>
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    <itunes:author>VyStar Credit Union</itunes:author>
    <guid isPermaLink="false">Buzzsprout-16342345</guid>
    <pubDate>Thu, 26 Dec 2024 16:00:00 -0500</pubDate>
    <itunes:duration>1118</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>12</itunes:episode>
    <itunes:episodeType>full</itunes:episodeType>
    <itunes:explicit>false</itunes:explicit>
    <podcast:person role="guest" img="https://storage.buzzsprout.com/ff9yi9u1wbm0b9z7codq9g6pta8e">Stephanie Curtis</podcast:person>
    <podcast:person role="host" img="https://storage.buzzsprout.com/3xkj258a898e9c2sbb4qhth52q16">Charlene Shirk</podcast:person>
  </item>
  <item>
    <itunes:title>Score Big: How UNF Students Helped Launch the Orlando Magic &amp; VyStar Co-Branded Visa® Card</itunes:title>
    <title>Score Big: How UNF Students Helped Launch the Orlando Magic &amp; VyStar Co-Branded Visa® Card</title>
    <itunes:summary><![CDATA[In this episode, we dive into the exciting collaboration between the Orlando Magic, VyStar Credit Union, and University of North Florida (UNF) students, who teamed up to create a winning marketing campaign for the new co-branded Visa® credit card. Hear from the team behind the campaign as they share their innovative strategies and creative process. Plus, get an inside look at how this unique partnership is making waves in both the financial and sports industries, offering cardholders exclusiv...]]></itunes:summary>
    <description><![CDATA[<p>In this episode, we dive into the exciting collaboration between the Orlando Magic, VyStar Credit Union, and University of North Florida (UNF) students, who teamed up to create a winning marketing campaign for the new co-branded Visa® credit card. Hear from the team behind the campaign as they share their innovative strategies and creative process. Plus, get an inside look at how this unique partnership is making waves in both the financial and sports industries, offering cardholders exclusive perks and benefits.</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></description>
    <content:encoded><![CDATA[<p>In this episode, we dive into the exciting collaboration between the Orlando Magic, VyStar Credit Union, and University of North Florida (UNF) students, who teamed up to create a winning marketing campaign for the new co-branded Visa® credit card. Hear from the team behind the campaign as they share their innovative strategies and creative process. Plus, get an inside look at how this unique partnership is making waves in both the financial and sports industries, offering cardholders exclusive perks and benefits.</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></content:encoded>
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    <itunes:author>VyStar Credit Union</itunes:author>
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    <pubDate>Tue, 19 Nov 2024 10:00:00 -0500</pubDate>
    <itunes:duration>772</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>11</itunes:episode>
    <itunes:episodeType>full</itunes:episodeType>
    <itunes:explicit>false</itunes:explicit>
    <podcast:person role="guest" img="https://storage.buzzsprout.com/t3lzfiziif3w93k5otr74yj7h42i">Jonathan Hanson</podcast:person>
    <podcast:person role="guest" img="https://storage.buzzsprout.com/6rfa8cwz1k7319af5qgehr4n6u9s">Lauren Morrison</podcast:person>
    <podcast:person role="host" img="https://storage.buzzsprout.com/3xkj258a898e9c2sbb4qhth52q16">Charlene Shirk</podcast:person>
  </item>
  <item>
    <itunes:title>Classroom to Credit Union: The VyStar High School Experience</itunes:title>
    <title>Classroom to Credit Union: The VyStar High School Experience</title>
    <itunes:summary><![CDATA[VyStar High School Program Advisor, Kevin Brown, joins VyCast to discuss empowering youth through Vystar's high school programs, financial literacy, scholarships, and more. VyStar Credit Union   Tweet us at @OfficialVyStar  Watch us at @VyStarCreditUnionYouTube  Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU Learn More and Contact us at vystarcu.org   ]]></itunes:summary>
    <description><![CDATA[<p>VyStar High School Program Advisor, Kevin Brown, joins VyCast to discuss empowering youth through Vystar&apos;s high school programs, financial literacy, scholarships, and more.</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></description>
    <content:encoded><![CDATA[<p>VyStar High School Program Advisor, Kevin Brown, joins VyCast to discuss empowering youth through Vystar&apos;s high school programs, financial literacy, scholarships, and more.</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></content:encoded>
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    <itunes:author>VyStar Credit Union</itunes:author>
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    <pubDate>Wed, 05 Jun 2024 11:00:00 -0400</pubDate>
    <itunes:duration>1021</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>10</itunes:episode>
    <itunes:episodeType>full</itunes:episodeType>
    <itunes:explicit>false</itunes:explicit>
    <podcast:person role="guest" img="https://storage.buzzsprout.com/r0wfgnoiwkolrg7phsrng6091w9c">Kevin Brown</podcast:person>
    <podcast:person role="host" img="https://storage.buzzsprout.com/3xkj258a898e9c2sbb4qhth52q16">Charlene Shirk</podcast:person>
  </item>
  <item>
    <itunes:title>Local Recording Artist Madison Hughes</itunes:title>
    <title>Local Recording Artist Madison Hughes</title>
    <itunes:summary><![CDATA[In this episode of VyCast we chat with Jacksonville native, and rising Nashville country music star, Madison Hughes. VyStar Credit Union   Tweet us at @OfficialVyStar  Watch us at @VyStarCreditUnionYouTube  Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU Learn More and Contact us at vystarcu.org   ]]></itunes:summary>
    <description><![CDATA[<p>In this episode of VyCast we chat with Jacksonville native, and rising Nashville country music star, Madison Hughes.</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></description>
    <content:encoded><![CDATA[<p>In this episode of VyCast we chat with Jacksonville native, and rising Nashville country music star, Madison Hughes.</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></content:encoded>
    <enclosure url="https://www.buzzsprout.com/2221847/episodes/14938223-local-recording-artist-madison-hughes.mp3" length="4671007" type="audio/mpeg" />
    <itunes:author>VyStar Credit Union</itunes:author>
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    <pubDate>Mon, 22 Apr 2024 22:00:00 -0400</pubDate>
    <itunes:duration>387</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:episodeType>full</itunes:episodeType>
    <itunes:explicit>false</itunes:explicit>
    <podcast:person role="guest" img="https://storage.buzzsprout.com/qlnpwvs6ye4n7aub1hkdxwq76tof">Madison Hughes</podcast:person>
    <podcast:person role="host" img="https://storage.buzzsprout.com/3xkj258a898e9c2sbb4qhth52q16">Charlene Shirk</podcast:person>
  </item>
  <item>
    <itunes:title>How To Put Your Financial Fitness to The Test</itunes:title>
    <title>How To Put Your Financial Fitness to The Test</title>
    <itunes:summary><![CDATA[More than half of all Americans say worrying about money is their number one source of stress. Why do we have such a complicated relationship with our money? Welcome to this episode of VyCast where we are going to give you a new confidence when it comes to understanding your finances!  VyStar Credit Union   Tweet us at @OfficialVyStar  Watch us at @VyStarCreditUnionYouTube  Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU Learn More and Contact us at vy...]]></itunes:summary>
    <description><![CDATA[<p>More than half of all Americans say worrying about money is their number one source of stress. Why do we have such a complicated relationship with our money? Welcome to this episode of VyCast where we are going to give you a new confidence when it comes to understanding your finances! </p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></description>
    <content:encoded><![CDATA[<p>More than half of all Americans say worrying about money is their number one source of stress. Why do we have such a complicated relationship with our money? Welcome to this episode of VyCast where we are going to give you a new confidence when it comes to understanding your finances! </p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></content:encoded>
    <enclosure url="https://www.buzzsprout.com/2221847/episodes/14781608-how-to-put-your-financial-fitness-to-the-test.mp3" length="13036932" type="audio/mpeg" />
    <itunes:author>VyStar Credit Union</itunes:author>
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    <pubDate>Wed, 27 Mar 2024 15:00:00 -0400</pubDate>
    <itunes:duration>1084</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:episodeType>full</itunes:episodeType>
    <itunes:explicit>false</itunes:explicit>
    <podcast:person role="guest" img="https://storage.buzzsprout.com/9i6hw082kvjrr5av6y3w6si34183">Michael Rathjen</podcast:person>
    <podcast:person role="host" img="https://storage.buzzsprout.com/3xkj258a898e9c2sbb4qhth52q16">Charlene Shirk</podcast:person>
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    <itunes:title>VyStar Values: At the Heart of Giving Back</itunes:title>
    <title>VyStar Values: At the Heart of Giving Back</title>
    <itunes:summary><![CDATA[In this episode of VyCast, Patti McElroy, SVP of Community Engagement at VyStar and President of VyStar Foundation, discusses the organization's approach and commitment to community engagement and philanthropy. VyStar Credit Union   Tweet us at @OfficialVyStar  Watch us at @VyStarCreditUnionYouTube  Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU Learn More and Contact us at vystarcu.org   ]]></itunes:summary>
    <description><![CDATA[<p>In this episode of VyCast, Patti McElroy, SVP of Community Engagement at VyStar and President of VyStar Foundation, discusses the organization&apos;s approach and commitment to community engagement and philanthropy.</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></description>
    <content:encoded><![CDATA[<p>In this episode of VyCast, Patti McElroy, SVP of Community Engagement at VyStar and President of VyStar Foundation, discusses the organization&apos;s approach and commitment to community engagement and philanthropy.</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></content:encoded>
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    <itunes:author>VyStar Credit Union</itunes:author>
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    <pubDate>Thu, 08 Feb 2024 14:00:00 -0500</pubDate>
    <itunes:duration>1486</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:episode>7</itunes:episode>
    <itunes:episodeType>full</itunes:episodeType>
    <itunes:explicit>false</itunes:explicit>
    <podcast:person role="guest" img="https://storage.buzzsprout.com/idmpbp9qe5uwk4lvtjjxpd1nzf27">Patricia McElroy</podcast:person>
    <podcast:person role="host" img="https://storage.buzzsprout.com/3xkj258a898e9c2sbb4qhth52q16">Charlene Shirk</podcast:person>
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  <item>
    <itunes:title>New Year, New You: Navigating Your Path to Financial Wellness</itunes:title>
    <title>New Year, New You: Navigating Your Path to Financial Wellness</title>
    <itunes:summary><![CDATA[Get valuable insights on achieving financial wellness with expert advice on creating a budget, managing money, and planning for a secure retirement from VyStar's SVP of Loan Administration, Eric Weatherly. VyStar Credit Union   Tweet us at @OfficialVyStar  Watch us at @VyStarCreditUnionYouTube  Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU Learn More and Contact us at vystarcu.org   ]]></itunes:summary>
    <description><![CDATA[<p>Get valuable insights on achieving financial wellness with expert advice on creating a budget, managing money, and planning for a secure retirement from VyStar&apos;s SVP of Loan Administration, Eric Weatherly.</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></description>
    <content:encoded><![CDATA[<p>Get valuable insights on achieving financial wellness with expert advice on creating a budget, managing money, and planning for a secure retirement from VyStar&apos;s SVP of Loan Administration, Eric Weatherly.</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></content:encoded>
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    <itunes:author>VyStar Credit Union</itunes:author>
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    <pubDate>Mon, 08 Jan 2024 11:00:00 -0500</pubDate>
    <itunes:duration>1213</itunes:duration>
    <itunes:keywords></itunes:keywords>
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    <podcast:person role="guest" img="https://storage.buzzsprout.com/92xr37mu5gazq0fp2hw6myipzyxi">Eric Weatherly</podcast:person>
    <podcast:person role="host" img="https://storage.buzzsprout.com/3xkj258a898e9c2sbb4qhth52q16">Charlene Shirk</podcast:person>
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  <item>
    <itunes:title>The Ultimate Guide to Holiday Shopping with Credit Cards</itunes:title>
    <title>The Ultimate Guide to Holiday Shopping with Credit Cards</title>
    <itunes:summary><![CDATA[VyStar Credit Union's VP of Card Products and Services Lauren Morrison joins VyCast to talk about how to get the most out of your holiday shopping while staying safe and secure. VyStar Credit Union   Tweet us at @OfficialVyStar  Watch us at @VyStarCreditUnionYouTube  Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU Learn More and Contact us at vystarcu.org   ]]></itunes:summary>
    <description><![CDATA[<p>VyStar Credit Union&apos;s VP of Card Products and Services Lauren Morrison joins VyCast to talk about how to get the most out of your holiday shopping while staying safe and secure.</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></description>
    <content:encoded><![CDATA[<p>VyStar Credit Union&apos;s VP of Card Products and Services Lauren Morrison joins VyCast to talk about how to get the most out of your holiday shopping while staying safe and secure.</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></content:encoded>
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    <itunes:author>VyStar Credit Union</itunes:author>
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    <pubDate>Thu, 14 Dec 2023 12:00:00 -0500</pubDate>
    <itunes:duration>972</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:episodeType>full</itunes:episodeType>
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    <podcast:person role="guest" img="https://storage.buzzsprout.com/6rfa8cwz1k7319af5qgehr4n6u9s">Lauren Morrison</podcast:person>
    <podcast:person role="host" img="https://storage.buzzsprout.com/3xkj258a898e9c2sbb4qhth52q16">Charlene Shirk</podcast:person>
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  <item>
    <itunes:title>Pro Tips for Protecting Your Finances Online</itunes:title>
    <title>Pro Tips for Protecting Your Finances Online</title>
    <itunes:summary><![CDATA[VyStar Credit Union's Chief Information Officer Lisa Cochran joins VyCast to dive into the world of cyber threats and share practical tips to stay one step ahead of hackers and scammers. VyStar Credit Union   Tweet us at @OfficialVyStar  Watch us at @VyStarCreditUnionYouTube  Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU Learn More and Contact us at vystarcu.org   ]]></itunes:summary>
    <description><![CDATA[<p>VyStar Credit Union&apos;s Chief Information Officer Lisa Cochran joins VyCast to dive into the world of cyber threats and share practical tips to stay one step ahead of hackers and scammers.</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></description>
    <content:encoded><![CDATA[<p>VyStar Credit Union&apos;s Chief Information Officer Lisa Cochran joins VyCast to dive into the world of cyber threats and share practical tips to stay one step ahead of hackers and scammers.</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></content:encoded>
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    <itunes:author>VyStar Credit Union</itunes:author>
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    <pubDate>Mon, 30 Oct 2023 15:00:00 -0400</pubDate>
    <itunes:duration>1339</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>4</itunes:episode>
    <itunes:episodeType>full</itunes:episodeType>
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    <podcast:person role="guest" img="https://storage.buzzsprout.com/yxydwitcfroinfz1vmnzq8c1u61v">Lisa Cochran</podcast:person>
    <podcast:person role="host" img="https://storage.buzzsprout.com/3xkj258a898e9c2sbb4qhth52q16">Charlene Shirk</podcast:person>
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  <item>
    <itunes:title>Funding Your Dreams: Turning Your Business Ideas Into Reality</itunes:title>
    <title>Funding Your Dreams: Turning Your Business Ideas Into Reality</title>
    <itunes:summary><![CDATA[We are thrilled to announce the release of our latest episode of VyCast. In this episode, Charlene Shirk sits down with David Walton, Senior Vice President of VyStar Commercial Lending, to discuss the keys to starting a successful business. Trust us, you don't want to miss this! VyStar Credit Union   Tweet us at @OfficialVyStar  Watch us at @VyStarCreditUnionYouTube  Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU Learn More and Contact us at vystarcu.org &...]]></itunes:summary>
    <description><![CDATA[<p>We are thrilled to announce the release of our latest episode of VyCast. In this episode, Charlene Shirk sits down with David Walton, Senior Vice President of VyStar Commercial Lending, to discuss the keys to starting a successful business. Trust us, you don&apos;t want to miss this!</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></description>
    <content:encoded><![CDATA[<p>We are thrilled to announce the release of our latest episode of VyCast. In this episode, Charlene Shirk sits down with David Walton, Senior Vice President of VyStar Commercial Lending, to discuss the keys to starting a successful business. Trust us, you don&apos;t want to miss this!</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></content:encoded>
    <enclosure url="https://www.buzzsprout.com/2221847/episodes/13771851-funding-your-dreams-turning-your-business-ideas-into-reality.mp3" length="14816843" type="audio/mpeg" />
    <itunes:author>VyStar Credit Union</itunes:author>
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    <pubDate>Fri, 13 Oct 2023 09:00:00 -0400</pubDate>
    <itunes:duration>1232</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>3</itunes:episode>
    <itunes:episodeType>full</itunes:episodeType>
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  <item>
    <itunes:title>Covered, Not Covered: Uncomplicating Your Insurance Coverage</itunes:title>
    <title>Covered, Not Covered: Uncomplicating Your Insurance Coverage</title>
    <itunes:summary><![CDATA[We all want to save money wherever we can, and insurance is no exception. Did you know that there are multiple types of homeowners insurance policies? Or that there are different levels of auto insurance coverage? On this episode of VyCast our VyStar Insurance expert will test your knowledge to see if you're truly covered in case of an accident or disaster and share some insider tips to help you lower your insurance costs without sacrificing coverage.  VyStar Credit Union   Tweet us...]]></itunes:summary>
    <description><![CDATA[<p>We all want to save money wherever we can, and insurance is no exception. Did you know that there are multiple types of homeowners insurance policies? Or that there are different levels of auto insurance coverage? On this episode of VyCast our VyStar Insurance expert will test your knowledge to see if you&apos;re truly covered in case of an accident or disaster and share some insider tips to help you lower your insurance costs without sacrificing coverage. </p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></description>
    <content:encoded><![CDATA[<p>We all want to save money wherever we can, and insurance is no exception. Did you know that there are multiple types of homeowners insurance policies? Or that there are different levels of auto insurance coverage? On this episode of VyCast our VyStar Insurance expert will test your knowledge to see if you&apos;re truly covered in case of an accident or disaster and share some insider tips to help you lower your insurance costs without sacrificing coverage. </p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></content:encoded>
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    <itunes:author>VyStar Credit Union</itunes:author>
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    <pubDate>Tue, 29 Aug 2023 13:00:00 -0400</pubDate>
    <itunes:duration>1732</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>2</itunes:episode>
    <itunes:episodeType>full</itunes:episodeType>
    <itunes:explicit>false</itunes:explicit>
    <podcast:person role="guest" img="https://storage.buzzsprout.com/xsup6kgrczsnofka0ly6ck5645j6">Tamara Naar</podcast:person>
    <podcast:person role="host" img="https://storage.buzzsprout.com/3xkj258a898e9c2sbb4qhth52q16">Charlene Shirk</podcast:person>
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  <item>
    <itunes:title>How To Maximize Credit Card Rewards - The Ultimate Guide </itunes:title>
    <title>How To Maximize Credit Card Rewards - The Ultimate Guide </title>
    <itunes:summary><![CDATA[Are you looking to maximize the power of your credit card? Our latest VyCast episode has all the answers! Join us as we talk with VyStar credit card expert Kris Carerra to explore the latest trends and technology, and how you can make the most of points &amp; perks. Plus, learn about an incredible opportunity -- our Endless Summer Sweepstakes where you could win big! We also chat all things VyStar Member Perks with Joe Daraskevich to learn about special offers and free events open to the enti...]]></itunes:summary>
    <description><![CDATA[<p>Are you looking to maximize the power of your credit card? Our latest VyCast episode has all the answers! Join us as we talk with VyStar credit card expert Kris Carerra to explore the latest trends and technology, and how you can make the most of points &amp; perks. Plus, learn about an incredible opportunity -- our Endless Summer Sweepstakes where you could win big! We also chat all things VyStar Member Perks with Joe Daraskevich to learn about special offers and free events open to the entire community. Get all your financial fun now with VyCast!</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></description>
    <content:encoded><![CDATA[<p>Are you looking to maximize the power of your credit card? Our latest VyCast episode has all the answers! Join us as we talk with VyStar credit card expert Kris Carerra to explore the latest trends and technology, and how you can make the most of points &amp; perks. Plus, learn about an incredible opportunity -- our Endless Summer Sweepstakes where you could win big! We also chat all things VyStar Member Perks with Joe Daraskevich to learn about special offers and free events open to the entire community. Get all your financial fun now with VyCast!</p><p>VyStar Credit Union <br/><br/>Tweet us at @OfficialVyStar <br/>Watch us at @VyStarCreditUnionYouTube <br/>Follow us on Instagram and Facebook @VystarCreditUnion and @VyStarCU<br/>Learn More and Contact us at vystarcu.org<br/> </p>]]></content:encoded>
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    <itunes:author></itunes:author>
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    <pubDate>Thu, 20 Jul 2023 08:00:00 -0400</pubDate>
    <itunes:duration>1458</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>1</itunes:episode>
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    <podcast:person role="guest" img="https://storage.buzzsprout.com/4l9eposxegnrrftf6jz18codpput">Kris Carrera</podcast:person>
    <podcast:person role="host" img="https://storage.buzzsprout.com/3xkj258a898e9c2sbb4qhth52q16">Charlene Shirk</podcast:person>
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