Life. Money. You.® Podcast

S3|E15: Convenience Creep & The Real Cost of Grocery Delivery

Thu, 04 Jun 2026 12:00:00 -0400

Grocery delivery has gone from a nice‑to‑have to everyday life for a lot of households. But here’s the real question: is it actually helping your budget, or quietly making things more expensive?

In this episode, Dani, Kim, and Warren dig into the real tradeoffs of grocery delivery using personal experiences, workplace conversations, and examples that feel very familiar. Each of us comes at it from a different angle. One is pro, one is anti, and one is undecided, which makes for an honest, well‑rounded conversation.

We talk through why grocery delivery can be a huge time saver and accessibility tool, especially for people living in rural areas, food deserts, or without reliable transportation. For some shoppers, delivery can also make it easier to stay focused, plan ahead, and avoid impulse buys that often sneak into the cart in‑store.

Then we get into the downsides. From tipping fatigue and disappointing produce to food safety concerns and frustrating return policies, we unpack where grocery delivery does not always live up to the promise. We also talk about how grocery apps are designed to encourage spending through targeted promotions, add‑ons, and personalized nudges that make it easy to spend more than you planned.

The episode also references a Consumer Reports investigation from late 2025 that looked at Instacart’s AI pricing experiments. The report found that some shoppers were charged different prices for the same items at the same store and time. That raises important questions about transparency, fairness, and how consumer data is being used.

👉 Read the Consumer Reports investigation // https://www.consumerreports.org/money/questionable-business-practices/instacart-ai-pricing-experiment-inflating-grocery-bills-a1142182490/

We wrap up with practical takeaways to help you decide when grocery delivery makes sense for your life. Convenience has real value, and so does staying in control of your money.

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Your host: Dani Buschick, Program Manager & Certified Financial Coach

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S3|E14: June Newsletter Recap

Mon, 01 Jun 2026 00:00:00 -0400

Housing Market Update: What to Know Right Now

If you’re in the market for a new home, chances are you’ve encountered higher prices and limited housing for sale. Luckily there has been an increase in active listings recently, and interest rates have stabilized, however, the market continues to reflect broader economic uncertainty.

Hesitation around major financial decisions is understandable with global conflict impacting energy prices and driving up the cost of living. Rising inflation could also mean that interest rates will not go down in the short term. Despite these challenges, homeownership is still one of the primary pathways to build wealth, and if the numbers are right, making a move can still be a viable investment decision.

📊 Mortgage Rates: Context Matters

Rates are currently in the mid 6% range.
That’s still below the 40‑year historical average of ~7.5% (per Callahan and Freddie Mac*).
Recent years of unusually low rates reset expectations, making today’s environment feel tougher than it is historically.

That said, the lack of projected rate cuts has real implications. Affordability remains stretched, and housing costs continue to outpace income growth — especially for first‑time and younger buyers.

🏠 Renting vs. Buying: A More Flexible Mindset

The rent vs. buy decision is more nuanced than it used to be:

Renting can offer flexibility during uncertain economic periods
Buying may still support long‑term wealth building for households with stable finances

However, many are viewing homeownership differently: it’s no longer a “forever” decision. Many buyers, especially first-timers, stay in their first home five to seven years, then move as income and family needs grow. This shift has increased interest in Adjustable-Rate Mortgages (ARMs). Features include:

The interest rate changes periodically over the life of the loan, unlike a fixed-rate mortgage, which has a constant interest rate for the entire term.
The introductory rate is usually lower than a traditional fixed-rate mortgage, making it an attractive option if you know you are not going to stay in the home long term.
Should needs change or rates become more favorable, refinancing can be an option, prioritizing future flexibility over stretching affordability upfront.

🌱 Younger Buyers Face a Growing Gap

Callahan data shows many Gen Z consumers lack confidence and clarity around financial institutions and savings opportunities as well as making major decisions like homeownership*. Like anything, investing time to learn more and planning ahead can create positive outcomes and enhance financial security. Getting started with affordability tight and uncertainty high might seem daunting but building strong habits early matters more than ever:

Emergency savings. First make sure you are covered for unforeseen expenses like home repair or a job loss. Automate savings any way you can to build up to 3-6 times your monthly expenses. This will be essential as a homeowner.
Down‑payment planning. Consider your housing budget and how much you will need for a down payment. Costs can be anywhere form 10-20% of your purchase price, depending on your lender and any first-time homebuyer programs you may qualify for.
Credit and equity education. The better your credit, the better your rate and on a mortgage, saving you a lot of money over time. Speaking of time, knowing your equity position in your home is key. Your down payment plus your monthly principle payment adds to your equity which can be used as a down payment for your next home or borrowed against for emergencies / home improvements.

These steps create options — whether buying a home is the next step or not.

✅ The Bottom Line

Building long‑term wealth remains the goal when it comes to buying a home, but this isn’t always the right move for everyone. Housing decisions should support financial stability, not compromise it. Whether renting, buying, or waiting, aligning housing choices with overall financial well‑being is what truly sets households up for success.

👉 Helpful Resources

BCU’s First-Time Homebuyer Program – Low down payments option 🔗Learn More
Home Buying Hub – A step‑by‑step course to the process
🔗 Explore Home Buying
Rent vs. Buy Calculator – Compare the numbers side by side
🔗 See the Comparison Tools
Today’s Mortgage Rates – Understand the current landscape
🔗 View Current Rates
Financial Checkup – Personalized insights and next steps
🔗 Start Your Checkup
Free 1:1 Financial Coaching – Judgment‑free guidance, on your terms
🔗 Talk with a Financial Coach

Join our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227

Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibility

Your host: Dani Buschick, Program Manager & Certified Financial Coach

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S3|E13: Financial Well-Being in BCU's Digital Banking

Thu, 21 May 2026 11:00:00 -0400

In this episode, we explore how BCU members can use Digital Banking to track spending, understand credit health, and set meaningful financial goals that align with what matters most. Recorded during a live Zoom session, the conversation offers practical guidance, real examples, and a guided walk‑through of resources designed to help you build confidence and momentum in your financial life. Because financial well‑being isn’t a destination — it’s a partnership, and Digital Banking is here to support you every step of the way.

Check out the video on YouTube: https://youtu.be/7YOmUW8BTrc?si=RREvO2_4TrD1KcTJ

Join our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227

Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibility

Your host: Dani Buschick, Program Manager & Certified Financial Coach

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S3|E12: May Newsletter Recap

Fri, 01 May 2026 00:00:00 -0400

Life happens – and when it does, an emergency fund can make all the difference. In this episode of Life. Money. You., we break down how emergency savings protect more than your money – they protect your peace, your plans, and your momentum.

You’ll hear a real‑life story about Kim, a parent juggling family goals who avoided stress and debt thanks to a simple emergency savings habit. When an unexpected car repair hit, her fund didn’t just fix the problem – it kept everything else on track.

We also cover practical, realistic ways to build emergency savings no matter where you’re starting, including:

✅ Pay Yourself First – Automate savings to remove friction and build momentum
✅ Zero‑Based Budgeting – Give every dollar a job to prevent money drift
✅ Percentage Budgeting – Let savings grow as income grows
✅ Savings Sprints – Use short‑term challenges to jump‑start confidence

With nearly half of U.S. households unable to cover a $1,000 emergency without debt, this episode focuses on progress – not perfection. Even small savings can significantly reduce stress when life throws a curveball.

🎯 Key takeaway: Emergency savings aren’t about waiting for something bad to happen – they’re about making sure one tough moment doesn’t derail everything you’re building.

👉 Next step:
Explore The LMY Library Course: Setting Up an Emergency Fund to get started with confidence. https://lifemoneyyou.bcu.org/courses/emergency-fund

🎧 Don’t miss:

Listen on Apple Podcasts
Register for our BONUS Live Podcast Event on May 19 at 12pm CT and join 500+ others working toward greater financial well‑being: https://events.zoom.us/ev/AoqtedOfPAxlI241WSIPe4GpjM5vkySfoh2JgUy-bN_J96Vq79oI~AuHH_siLF37mqQeEMnbdozRqcGVyCzdMa5l3bSq525gHdKvMqKYDdMROcQ

✨ May the emergency fund be with you!

Join our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227

Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibility

Your host: Dani Buschick, Program Manager & Certified Financial Coach

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S3|E11: Beyond the Budget

Fri, 24 Apr 2026 16:00:00 -0400

Most people don’t need another budgeting lecture – they need help navigating real-life financial decisions with confidence. Dani and Kim dig into the seven most common (and complex) questions showing up in coaching today, from debt and credit to retirement tradeoffs, family pressures, and what to do when you finally have extra money. If your finances feel more complicated than the advice you hear, this episode is for you.

Why Coaching Helps
Financial coaching helps you prioritize progress over perfection and build a plan that fits your goals, values, and real life. If these questions sound familiar, a coaching session can help you get unstuck, create a clear plan, and move forward with confidence.

Schedule time with a coach: BCU.org/Coach or LifeMoneyYou.com/Better-Money-Moves/Coaching

Join our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227

Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibility

Your host: Dani Buschick, Program Manager & Certified Financial Coach

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S3|E10: April Newsletter Recap

Wed, 01 Apr 2026 00:00:00 -0400

Building financial well‑being doesn’t require a major overhaul – it’s about staying steady through change and having the flexibility to handle whatever life brings. In this episode, we’re celebrating Financial Literacy Month by focusing on financial flexibility: the ability to adapt, make confident decisions, and keep moving toward what matters most.

We break down three simple, high‑impact ways to strengthen your financial foundation – using trusted resources from Life. Money. You.® and tools from BCU, a credit union fiercely committed to your financial well‑being.

🌱 Build (or Refresh) Your Emergency Savings

Unexpected expenses happen. An emergency fund helps reduce stress and protect your long‑term goals. We talk about how even small, consistent contributions – like automated weekly or bi‑weekly transfers – can create peace of mind over time.
🔗 Learn more: https://www.bcu.org/banking/savings/rainy-day-savings

📈 Strengthen Your Strategy with High‑Yield Savings

Once your emergency fund is underway, putting extra savings in higher‑yield options like CDs can help your money grow without changing your habits. We explore how these tools can add flexibility while keeping your funds accessible.
🔗 Explore options: https://www.bcu.org/banking/savings

📱 Simplify with the Digital Banking App

Managing money doesn’t need multiple apps. BCU’s Digital Banking App brings spending insights, transfers, credit tracking, and account management into one secure place – saving time and mental energy.
🔗 Get started: https://www.bcu.org/banking/digital-banking

✅ One Small Step Can Make a Big Difference

Choose just one action this month:

Increase your emergency fund contribution
Open or explore a high‑yield savings option
Download the Digital Banking App and customize alerts

Financial flexibility is built one intentional step at a time – and this episode helps you decide where to start.

Join our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227

Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibility

Your host: Dani Buschick, Program Manager & Certified Financial Coach

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S3|E9: Financial Literacy for Gen Z & Turning Awareness into Action

Fri, 20 Mar 2026 13:00:00 -0400

In this episode, Dani sits down with Hassan Thomas who shares a powerful personal story shaped by life as a college football player balancing academics, athletics, injury, and finances. He reflects on the moment money shifted from being a background concern to a daily stressor, including the eye‑opening reality of managing financial decisions with long‑term consequences in mind. His experience mirrors what many Gen Zers face with finances today.

The conversation moves into life after graduation, where Hassan describes the transition from the structure of college athletics to full financial independence. First paychecks, then bills, and looming loan payments. Through trial, error, and habit‑building, Hassan reframed money not as something to fear, but as something to intentionally build a relationship with.

Dani and Hassan then break down the fundamentals. Hassan shares how budgeting became a source of clarity rather than restriction, credit became a measure of consistency rather than perfection, and student loans became manageable once he replaced fear with understanding. These insights underscore a central theme of the episode – that knowledge and small, repeatable habits can create stability even in an uncertain economy.

The episode closes with a forward‑looking discussion on Gen Z, social media, and AI. Hassan highlights how young adults are simultaneously empowered and overwhelmed by digital financial advice, emphasizing the importance of context, discernment, and human guidance. Technology can support financial learning, but it shouldn’t replace trusted educators and coaches.

Join our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227

Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibility

Your host: Dani Buschick, Program Manager & Certified Financial Coach

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S3|E8: Spring Forward with Your Credit & Debt Strategy

Thu, 12 Mar 2026 11:00:00 -0400

In this Life. Money. You.® Podcast Live episode, Dani sits down with Certified Financial Coaches Sam and Shannon to explore how to “Spring Forward” with your credit and debt strategy. They break down what really goes into your credit score and why awareness – of balances, habits, and so much more – is the foundation of meaningful change.

Sam and Shannon share how credit utilization, refinancing, consolidation, and even equity can be used strategically when they fit someone’s overall financial picture. They highlight real member stories that show the power of recharacterizing debt, taking advantage of better rates, or using auto or home equity to create breathing room and long-term momentum.

The coaches also discuss simple, everyday habits that boost credit health over time, from on-time payments and intentional card usage to lifestyle shifts that save money without sacrificing joy. They share approachable ways to start small, build confidence, and use tools like secured cards or credit builder loans to move toward bigger financial goals.

The episode wraps with a look at common credit and debt scams – like fee-heavy consolidation companies or Buy Now Pay Later traps – and reminders about the trustworthy, free support available through financial coaching.

Join our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227

Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibility

Your host: Dani Buschick, Program Manager & Certified Financial Coach

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S3|E7: Higher Education & Financial Wellness

Thu, 05 Mar 2026 11:00:00 -0500

We ran into a few internet hiccups while recording this episode, so you may notice some brief delays and interruptions. Thanks for sticking with us — we appreciate your support, and we hope you enjoy this candid conversation!

On this episode of the Life. Money. You.® Podcast, Dani sits down with Alejo and special guest Phil, Executive Director of the Higher Education Financial Wellness Alliance (HEFWA). Together, they dig into the real financial challenges students face while navigating college costs, financial aid, and the pressure to make the “right” decisions about their future.

The conversation opens with a look at financial anxiety among students and how factors like rising living costs, job uncertainty, and day‑to‑day expenses impact mental health and academic performance. Phil shares what he sees on campus and how early support can help students stay grounded and engaged.

From there, the group explores common financial barriers that prevent students from completing their degrees. They discuss underestimated expenses like housing, books, and transportation, as well as the added pressures faced by first‑generation and lower‑income students—along with practical ways families can better prepare. The episode breaks down FAFSA misconceptions and why so many students delay or avoid the process altogether. Phil highlights the forms of aid families often overlook, including grants, campus‑based funding, and community scholarships—plus the importance of treating scholarship applications like a part‑time job that truly pays off.

Next, the group covers budgeting strategies that actually work for students, emphasizing small steps, visibility into spending, and the campus resources that often go unused—from financial counseling to textbook sharing programs. They also acknowledge that budgeting alone doesn’t fix systemic challenges many families face.

In the final segment, the trio discusses long‑term opportunities, the ROI of a college degree, and why students feel anxious about the job market. Phil shares how he helps students balance short‑term cost with long‑term goals and why completing a degree remains one of the strongest investments in stability and opportunity. The episode closes with Phil’s biggest piece of advice: ask questions early, avoid assumptions about aid eligibility, and don’t be afraid of loans or learning.

Join our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227
Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibility

Your host: Dani Buschick, Program Manager & Certified Financial Coach

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S3|E6: March Newsletter Recap

Sun, 01 Mar 2026 05:00:00 -0500

This episode spotlights quick, practical ways to power up your financial well‑being—because money confidence isn’t a one‑time project. Whether you’re tackling debt, gearing up for tax season, or building credit momentum, we walk through small actions that create big impact over time.

💳 Reduce Debt with Clarity

Learn how reviewing interest rates, choosing a smart payoff strategy (like snowball or avalanche), and trimming recurring expenses can put you back in control. Plus, hear how a Financial Coach can help tailor your personal debt‑reduction plan.

🧾 Tax Season Tune‑Up

We break down what documents to gather, reputable tools to consider (like TurboTax), and when connecting with a Wealth Advisor may help you align your tax and investment strategy.

📈 Credit Care Momentum

Healthy credit thrives on consistent attention. We explore pulling your credit report, setting activity alerts, and keeping an eye on credit utilization to strengthen your long‑term financial picture.

⚡ Power Up Your Financial Well‑Being

Rising costs are affecting everyone—so this episode focuses on support, not perfection. Financial coaching is free, confidential, and designed for all ages and income levels. Learn how to use the Life. Money. You. Library and coaching sessions to build confidence at your own pace.

🎧 In Case You Missed It

Listen to our latest Life. Money. You. episode on Apple Podcasts
Sign up for our next Podcast Live Event: March 10 @ 11am CT
Explore the 2026 Scholarship Program—30 awards up to $10,000 each!

Join our podcast community: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227
Learn more about membership with BCU: https://www.bcu.org/member-resources/join/membership-eligibility

Your host: Dani Buschick, Program Manager & Certified Financial Coach

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S3|E5: Financial Fresh Start for Savings

Mon, 16 Feb 2026 20:00:00 -0500

Start your year with clarity and confidence as Dani and Kim walk through the essential building blocks of a true “fresh start” in your financial life. In this episode, they break down practical strategies, real member stories, and helpful tools designed to meet you wherever you are on your financial journey.

Dani opens by sharing the power of creating shared financial systems—like opening a joint account for major expenses—and how equal, predictable contributions can support communication, reduce stress, and keep big goals like homeownership on track. From there, listeners are invited to choose their priority for the year: building credit, crushing debt, or unleashing savings. This simple framework helps anchor the episode’s guidance to your personal goals.

Kim then brings listeners into a powerful member story: navigating finances after losing a spouse, learning to budget from scratch, and taking steady steps to rebuild credit. Through her experience, the episode highlights why saving isn’t just about money—it’s about creating a safety net, reducing stress, opening doors to future opportunities, and feeling empowered in every financial decision.

You’ll also learn how to make the most of tax refunds and other unexpected windfalls. Kim shares insights on using these funds to strengthen your financial foundation—whether that’s through secured credit tools, boosting emergency savings, or setting up future‑focused goals—while avoiding lifestyle inflation.

To help listeners put ideas into action, the episode walks through a simple, approachable $500 Savings Challenge: saving $125 each week, tracking progress using checklists or digital tools, and celebrating small wins that build long‑term habits. It’s a structure designed to help anyone build momentum—one week at a time.

Dani and Kim also spotlight several BCU and LMY resources that make financial progress easier, including Rainy Day Savings, the LMY Library, budgeting worksheets, and tools to create personalized savings goals. They also touch on member‑friendly education around certificates, money markets, and other savings options.

Before close, the episode encourages listeners to explore the BCU 2026 Scholarship Program, a reminder that sometimes the biggest financial wins come from investing in learning, growth, and future opportunity. BCU.org/Scholarship

If you’re ready for a grounded, encouraging, and practical reset, this episode gives you the steps—and the confidence—to start fresh.

Your host: Dani Buschick, Program Manager & Certified Financial Coach

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S3|E4: February Newsletter Recap

Sun, 01 Feb 2026 00:00:00 -0500

In this edition, we’ll explore three key areas where financial aid can make a big difference and help you take your financial well-being to the next level.

🎓Student Loans: Big Plans, Bigger Dreams
Student loans can be a powerful tool, when managed wisely.
Quick Tips:

Borrow only what you need – start with federal loans before private options.
Understand repayment plans early to avoid surprises later.
Check out our Loan Calculator in the Life. Money. You.® Library for personalized estimates.

👨‍👩‍👧 Family Aid: Education is a Team Effort
Families can play a big role in making higher education possible.

Did you know? 529 savings plans can grow tax-free for education expenses!
Action Step: Start the conversation about college costs early and explore our Family Aid Guide in the Life. Money. You.® Library.
Check out our Minimizing Student Loan Debt podcast episode for more insights on funding your education.

🌪 Emergency Support: When Life Happens
Natural disasters and unexpected hardships shouldn’t derail your education.
Options to Explore:

Emergency grants and hardship funds
Temporary loan deferments during crises
Find detailed steps and support programs in our... Subscribe for the full newsletter: LifeMoneyYou.com.

Your host: Dani Buschick, Program Manager & Certified Financial Coach

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S3|E3: The Rise of BNPL and Increasing Pay Later Pressure

Thu, 29 Jan 2026 19:00:00 -0500

In this episode, Dani Buschick connects with Hannah Gdalman from the Financial Health Network and Warren Bell from the Life. Money. You. team to unpack the rise of Buy Now, Pay Later (BNPL) and how it’s shaping everyday financial health.

What You’ll Learn:

What BNPL Actually Is
A simple look at how “Pay in 4” works—and why it's so appealing to consumers today.

Who’s Using It
Gen Z, Millennials, and Gen X are leading the way, drawn in by convenience and a desire to avoid credit card interest.

How It Impacts Budgets
Because payments come straight from checking accounts, multiple installments and big bills could be a surprise overdraft waiting to happen.

Early Signs of Financial Strain
Loan stacking, or using BNPL to cover everyday expenses, can be a signal of growing budget pressure.

The Behavioral Side
Lower “pain of payment,” frictionless checkout, and optimistic future thinking all make BNPL feel safer than it really is.

Credit Health Impact
Making on-time payments using BNPL doesn’t help build your credit; However, missing payments using BNPL can harm your credit.

How to Use BNPL Safely:

Keep it to one active BNPL plan at a time
Stick with one platform so you can easily track payments
Align installment dates with your paychecks
Remember: BNPL = real debt, not bonus money

Main Takeaway:

BNPL isn’t inherently good or bad—it’s just a tool. Used thoughtfully, it can help smooth out cash flow. Used without a plan, it can quietly strain your budget.

Before hitting “Pay Later,” ask yourself:

Do I actually need this right now?
Can I comfortably cover every installment?
How many other debts or BNPL plans am I already managing?

Your host: Dani Buschick, Program Manager & Certified Financial Coach

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S3|E2: The Great 'Lock In' Featuring Ericka Young

Fri, 16 Jan 2026 13:00:00 -0500

Featured guest: Ericka Young: https://www.erickayoung.com/

With nearly two decades of experience as a financial coach, Ericka has empowered over 500 families to take control of their finances and liberate themselves from the shackles of debt.

Your host: Dani Buschick, Program Manager & Certified Financial Coach

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S3|E1: January Newsletter Recap

Thu, 08 Jan 2026 10:00:00 -0500

Welcome to the Life. Money. You. Podcast - your dose of financial confidence and clarity! This episode is part of our monthly newsletter series - new this year. If you love what you hear and want these tips delivered straight to your inbox, make sure to subscribe at LifeMoneyYou.com.

Ready to Make 2026 Your Best Financial Year Yet? Lock In.

Whatever goals and resolutions you’re committing to, you’re going to crush them. Just remember to make them SMART: Specific, Measurable, Achievable, Realistic, and Timely.

Examples of SMART goals:
• I will commit to saving $50 more to my Vacation Savings Account from every paycheck.
• I will pay off $200 of credit card debt each month until it’s gone.
• I will journal about my goals for at least 10 minutes daily.

Need inspiration? Try these financial well-being habits:
• Journal your financial dreams daily. Spend 5 minutes writing about your money goals - whether it’s starting a business or planning a big vacation. Writing reinforces commitment and clarity.

• Meet with a financial coach monthly
You see a trainer for fitness - why not a coach for your finances? A 30-minute check-in keeps you on track and ensures you have a plan to reach your goals.

• Plan for retirement weekly
Just 15 minutes a week can make a big difference. Research savings and investment options yourself or schedule time with a wealth advisor to dive deeper. Start now, and future you will thank you!

Three moves to build momentum in 2026:
1. Title Your Account by Goal
Rename your savings account to something motivating such as: THAT Vacation, My Big Move West, or Baby On The Way.
2. Practice Makes Progress
Celebrate small wins - every penny counts! Recognize incremental successes that lead to your big goal.
3. Check In Weekly
Reflect on your progress. What’s motivating you most, and why? Use that energy to fuel the week ahead.

Next Event: The Great ‘Lock In’ Ft. Ericka Young
When: January 14, 2026
Time: 11:00 AM CST
Where: Zoom
Join us for an interactive session packed with tips, tools, and motivation to make your financial goals stick! Your financial well-being matters. Let’s make 2026 the year you really ‘lock in’. Register now

Your host: Dani Buschick, Program Manager & Certified Financial Coach

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S2|E21: Finale FAQs with Financial Coach Kim

Wed, 17 Dec 2025 11:54:00 -0500

Featuring Kim Chavez, Certified Financial Coach, this episode dives into what Life. Money. You.® is, how it stands apart from other financial wellness programs, and the services it offers to help anyone improve their financial health. It also answers common questions about coaching, resources, and the unique partnership with BCU that powers this holistic approach.

Host: Dani Buschick, LMY Program Manager

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S2|E20: Minimizing Student Loan Debt

Mon, 17 Nov 2025 14:34:03 -0500

Featuring Kim Chavez, BCU Financial Well-Being and Coaching Lead (1:09), on a snapshot of the student loan landscape and how it impacts your financial goals, Christie Dean, BCU Senior Manager of Portfolio Management and Experience (8:05), on the different types of loans and repayment options you need to know, and Sam Edwards, BCU Branch Experience Manager (21:46), on strategies to choose the right repayment plan and avoid common pitfalls. Host: Dani Buschick, LMY Program Manager

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S2|E19: Fashion Frugal You

Fri, 31 Oct 2025 17:42:52 -0400

Featuring Hannah Blumberg, BCU Corporate Communicates Manager, (0:48), on practical methods for reviewing your closet, joy and color theory, Kim Chavez, BCU Financial Well-Being and Coaching Lead, (12:18), on resale, spotting fraudsters, and building your online reputation, and Katlyn Stafford, BCU Branch Experience Manager, (24:35), storage techniques, maternity resale, and garage sale hacks.

Host: Dani Buschick, LMY Program Manager

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S2|E18: Cybersecurity Awareness Month

Tue, 14 Oct 2025 14:25:23 -0400

Featuring Tiffani Tolbert, BCU Security Operations Senior Manager (0:47), on what cybersecurity awareness month is and key parts to the 2025 theme, Marlene Koskotas, BCU Senior Investigator Level II, and Nickie Christianson, BCU Account Protection Senior Manager (8:37), on the role AI plays in cybersecurity and account protection, and the importance of evolving with technology.

Host: Dani Buschick, LMY Program Manager

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S2|E17: Open Enrollment with HR Professionals

Mon, 06 Oct 2025 09:31:01 -0400

Featuring Megan Kelly, BCU HR Talent Acquisition & Benefits Senior Director, and Safaa Syed, BCU HR Benefits Senior Manager (0:50), on questions to ask yourself as you approach open enrollment, the differences between HSA and FSA to help uncover the best coverage for you and your family, and other benefit plan tips.

Host: Dani Buschick, LMY Program Manager

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S2|E16: Mortgages & Insurance

Mon, 22 Sep 2025 10:29:29 -0400

Featuring Wes Dumalski, BCU Mortgage Business Consulting & Learning Manager (0:30), on private mortgage insurance versus mortgage insurance premium, and their connection to FHA loans, Erman Ramos, BCU Retail Mortgage Sales Regional Manager (9:24), on the homebuying market in 2025, opportunities to purchase a home without 20% down, and whether more homes are covered through PMI or MIP, and Ashley Seaver, BCU Mortgage Trainer (16:22), on first-time homebuyers today, the power of refinancing, and building generational wealth.

Host: Dani Buschick, LMY Program Manager

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S2|E15: Locking In a New Habit

Tue, 02 Sep 2025 15:42:54 -0400

Featuring Anjoli Walker, BCU Diversity, Equity & Inclusion Director (0:49), on psychotherapy and how it connects to money, inheriting behaviors and rewiring our brains, Nicole Ott, BCU Human Resources & Talent Acquisition Senior Manager (13:27), on social stimuli, tuning out the noise, and leveraging a wish list to keep up with your wants and needs, and Jennifer Budo, BCU Retail Branch Operations Director (22:03), on taking control of your savings in case of an emergency, starting small, and the power of an accountability partner.

Host: Dani Buschick, LMY Program Manager

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S2|E14: Repurposing Pennies

Tue, 19 Aug 2025 10:45:52 -0400

Featuring Sam Edwards, BCU Member Success Area Manager (0:54), on penny stocks, wheat pennies, and different tips on collecting coins, Fiorella Harvey, BCU Retail Branch Operations Manager (7:19), on gifting penny creations, donating pennies to schools and charities, and finding ways to get pennies out of the trash, and Janice Kaples, BCU Member Success Manager (13:10), on copper floors and counter tops, clocks, back splashes, wind chimes, coasters, wall art, and so much more.

Host: Dani Buschick, LMY Program Manager

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S2|E13: Car Buying in 2025

Tue, 05 Aug 2025 11:54:23 -0400

Featuring Jacob Johnson, BCU Member Service Specialist (0:43), on when leasing is no longer economical, what to consider apart from monthly payments, and determining the best type of car for you, David Sessions, BCU Lead Marketing Strategist (10:31), on doing your research, communicating with a car salesperson effectively, and car buying red flags, and Kim Chavez, BCU Financial Wellness & Coaching Senior Lead (19:30), on what type of payment plan is best for you, when is the ‘best’ time to refinance, and the importance of emergency savings for your vehicle.

Host: Dani Buschick, LMY Program Manager

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S2|E12: College & Financial Wellness

Tue, 22 Jul 2025 16:28:42 -0400

Featuring Lucas Galdine, BCU Member Intelligence Intern (0:39), on a simple budget, vocalizing financial boundaries with friends, and breaking down a coaching appointment, Ellie Clark, BCU Marketing Intern (8:11), on saving for big money milestones while at school, emergency savings, and seasonal money management, and Jack Blum, BCU Finance Intern (15:08), on building credit, different ways to keep your finances top of mind, and honest thoughts about coaching as a college student.

Host: Dani Buschick, LMY Program Manager

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S2|E11: Teaching Kids About Money

Mon, 30 Jun 2025 08:56:16 -0400

Featuring Andrew Elterman, BCU Member Experience Specialist, (0:39), on different lessons by age, the importance of meeting kids where they are, and puppetry in practice, Valerie Cruz, BCU Member Experience Specialist (10:01), on the financial trade-off, explaining the difference between responsibilities versus work for pay, and the effectiveness of tangible money goals like a vision board and paying with cash, and Marcey Gaughan, BCU Instructional Design Manager (20:24), on leading by example, encouraging money mistakes in a controlled environment, and emphasizing communication on the learning journey.

Host: Dani Buschick, LMY Program Manager

Life. Money. You.® | Helping people make better money moves with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S2|E10: Meal Planning Magic - Family Edition

Mon, 23 Jun 2025 17:48:04 -0400

Featuring Alejo Torres, BCU Financial Well-Being Director (0:30), on buying in bulk, cooking in bulk, and diversifying your grocery lists, Ana Zavala, Business Development Operations Senior Lead (9:30), on shopping for a small household, leveraging quality time and leftovers, and packing for snacking, and Bruce Ponsaran, BCU Corporate Relations and BD Senior Manager (19:59), on planning for food while traveling, selecting the right restaurant for your family, and navigating allergy restrictions.

Host: Dani Buschick, LMY Program Manager

Life. Money. You.® | Helping people make better money moves with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S2|E9: Starting a Side Hustle

Fri, 06 Jun 2025 09:43:55 -0400

Featuring Jeannette Castro, BCU Member Service Specialist (0:32), on cake catering deets, small business support, and the importance of a creative outlet, Dan Spannraft, BCU Member Experience Program Manager (12:36), on cover band grinding, strategic spending and investments, and knowing your value, and Joline Soedarjatno, BCU Corporate Relations and BD Senior Director (21:43), on balancing time and when to reconsider your commitment to a side hustle, and routinely reflecting on your priorities.

Host: Dani Buschick, LMY Program Manager

Life. Money. You.® | Helping people make better money moves with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S2|E8: Budgeting Basics

Wed, 21 May 2025 17:08:36 -0400

Featuring Varinder Singh, BCU Branch Manager II (0:45), on defining a budget and different budgeting methods you can consider, Jeannette Castro (13:05), BCU Member Service Specialist, on the fear associated with getting started and habit stacking, and Shannon Evans (22:37), BCU Member Success Specialist, on the importance of consistency, breaking down the reverse budget, and resources you should know about.

Host: Dani Buschick, LMY Program Manager

Life. Money. You.® | Helping people make better money moves with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S2|E7: Mental Health & Money

Fri, 02 May 2025 19:06:05 -0400

Featuring Amy Barber, BCU Retail Branch Operations Manager, and Emily Sander, BCU Retail Branch Operations Manager, (0:43), on the connection between financial health and mental health, the importance of accountability, and not being afraid to communicate financial stress, Guillermo Casillas (14:08), BCU Business Development Senior Lead, on different ways to relieve financial stress, like having an emergency fund and paying ourselves first, and Megan Kelly (23:54), BCU Talent Acquisition & Benefits Senior Director, on the power of a support system, ERGs, and what financial health will look like in the workplace in years to come.

Host: Dani Buschick, LMY Program Manager

Life. Money. You.® | Helping people make better money moves with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S2|E6: Spring Cleaning Credit Card Debt

Tue, 22 Apr 2025 17:18:25 -0400

Featuring Maddie Martinez (0:31), BCU Corporate Relations & Business Development Senior Lead, on different payoff methods, avoiding credit card use, and establishing consistency, Katlyn Stafford (8:27), BCU Member Success Manager, on the ‘debt stigma’, emergency savings and savings challenges for more income to put toward paying off credit card debt, and Dean Torres (15:41), BCU Member Success Manager, on leveraging visual budgeting tools, starting small, and the difference between secured versus unsecured debt.

Host: Dani Buschick, LMY Program Manager

You don’t want to miss this one. Listen now

Life. Money. You.® | Helping people make better money moves with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S2|E5: Seasonal Budgeting

Wed, 09 Apr 2025 13:36:36 -0400

Featuring Kim Chavez (0:50), LMY Financial Well-Being & Coaching Senior Lead, on seasonalizing your bills, trade-off savings, and decluttering your home, Brandon Ewing (15:27), BCU Retail & Community Branches Director, on budgeting for vacations, setting goals and expectations with family, and Google flights as a money-saver for travel, and Missy Castagna (26:12), BCU Member Experience Senior Director, on multiple-child discounts, re-allocating savings, and leveraging your community for child care.

Host: Dani Buschick, LMY Program Manager

You don’t want to miss this one. Listen now.

Life. Money. You.® | Helping people make better money moves with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S2|E4: Cybersecurity & Financial Wellness

Fri, 21 Mar 2025 09:21:33 -0400

Join Dani Buschick, LMY Program Manager, and peers at BCU for a conversation on different digital scams to look out for and how to safely engage with technology for day-to-day transactions. Hear how the Credit Union is staying one step ahead to protect members, too.

Featuring Pam Blair (0:52), BCU Security Awareness Senior Lead, on organizational governance and updating your privacy settings, Marlene K., BCU Account Protection Senior Investigator, and Nickie Christianson (13:28), BCU Account Protection Senior Manager, on voice recognition, device cleaning, and invoice replication, and Sarah Savio, BCU Talent Acquisition & Human Resources Lead, and Nicole Ott (30:36), BCU Talent Acquisition & Human Resources Senior Manager, on identifying legitimate opportunities, dissecting a walking red flag, and more employee resources.

You don’t want to miss this one. Listen now.

Life. Money. You.® | Helping people make better money moves with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S2|E3: Buying A Home In 2025

Mon, 10 Mar 2025 12:20:47 -0400

Join Dani Buschick, LMY Program Manager, and peers at BCU for another conversation: Rate trending, down payment assistance, the initial consult and more, listen in as we focus on home buying in 2025.

Featuring Leahnor Vestrum (0:25), BCU Corporate Relations Lead and former Loan Originator, on an initial consult for homeownership and costs outside of the home purchase, Erman Ramos (9:24), BCU Retail Mortgage Sales Regional Manager, on different ways folks can go about buying a home without 20% down and the concept of ‘Marry The House, Date The Rate’, and Jami Doyle (18:32), BCU Mortgage Associate, on rate trending and how to approach down payment assistant options.

You don’t want to miss this one as we head into home buying this Spring. Listen now.

Life. Money. You.® | Helping people make better money moves with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S2|E2: Couples, Kids, and Money

Mon, 24 Feb 2025 18:37:33 -0500

Join Dani Buschick, LMY Program Manager, and peers at BCU for another conversation, this one featuring couples, kids, and money. The takeaways? Finding balance, being honest, and if you can, starting to plan early.

Featuring Sam Edwards (0:13), BCU Member Success Area Manager, on when to have the money talk with a prospective partner and other tips on managing money in a relationship, Jasmine Crawford (10:35), BCU Corporate Relations & BD Senior Lead, on how to save on mutual goals and encouraging kids to save, Warren Iskowitz (19:19), BCU Talent Management Senior Director, on establishing an emergency fund and influencing the rest of the family as a couple.

Don’t miss this insightful dialogue about couples, money, and kids. Listen now.

Life. Money. You.® | Helping people make better money moves with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S2|E1: Too Good To Be True #NotAnAd

Fri, 14 Feb 2025 09:47:58 -0500

Join Dani Buschick, LMY Program Manager, and peers at BCU for a candid conversation about social media and finances. Moral of the story: If it's too good to be true, it probably is.

Featuring Kimberly Chavez (0:38), BCU Virtual Experience Manager, on the precautions a user should take when engaging with others on social media, Nickie Christianson (14:30), BCU Account Protection Senior Manager, on fighting fraud and responding to deep fakes, and Mandi Perkins, BCU Social Media Professional, and Nicole Ott (26:08), BCU Talent Acquisitions & Human Resource Senior Manager, on how scammers are impersonating employers for fake employment and financial gain.

Don’t miss this insightful dialogue about protecting yourself and your information on social media. Listen now.

Life. Money. You.® | Helping people make better money moves with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E60: Bjorn’s Sendoff

Mon, 13 Jan 2025 11:31:58 -0500

Join Bjorn as he closes Season 1, recapping a wide range of conversations about personal finance - from authors to athletes, CEOs, and money masters.

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E59: From Film To Finance Startups

Mon, 28 Oct 2024 12:55:40 -0400

Join Bjorn as he welcomes Len Smofsky to discuss boom and bust, and how a degree in film and directing turned passion into financial wellness.

Subscribe to better money moves today: Crush debt, boost credit, and build your emergency savings with the Life. Money. You. Program. https://www.lifemoneyyou.com

As a subscriber, here's what you get:

✨ A monthly newsletter (featuring our blog and podcast)

✨ Your own Certified Financial Coach

✨ Exclusive invites to live events with open chats

✨ Access to a mobile app with money management tools

✨ Credit Union Membership Eligibility Join the 25,000 and growing subscribers who have partnered with Life. Money. You. on their financial freedom journeys!

Life. Money. You.®, LLC is a holistic financial well-being Credit Union Service Organization (CUSO), owned by BCU, providing prescriptive solutions through digital tools, one-on-one financial coaches, live events, and access to financial health products and services to encourage behavior change and improve people's financial health. Because Life happens, Money matters, and we're here for You.

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E58: When Is Enough 'Enough'?

Mon, 07 Oct 2024 10:51:24 -0400

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

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E57: Money With Friends

Wed, 18 Sep 2024 14:50:46 -0400

Join Bjorn as he welcomes friend, Olivia Hayden, UFCU Financial Health Manager. Olivia shares her personal experiences planning trips, splitting nights out, and talking about money openly with her friends.

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

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E56: Cruising Using Savings

Tue, 03 Sep 2024 08:40:00 -0400

Bentornato! Buckle up with Bjorn as he welcomes back BCU colleague and friend, Joe Styx, to share his post-travel stories and financial experiences in Europe.

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

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E55: Medals & Money: An Olympian Shares Her Story

Tue, 20 Aug 2024 09:59:40 -0400

Join Bjorn as he welcomes 1992 Olympian from Jamaica, Dahlia Sategna. With a nephew in the 2024 Olympics, Dahlia shares the process of timing and selection, competing and financing, and most importantly, enjoying the once-in-a-lifetime Olympic experience as an athlete.

Subscribe to better money moves today: https://www.lifemoneyyou.com/As a subscriber, here's what you get:✨ A monthly newsletter (featuring our blog and podcast)✨ Your own Certified Financial Coach✨ Exclusive invites to live events with open chats✨ Access to a mobile app with money management tools✨ Credit Union Membership EligibilityJoin the 20,000 and growing subscribers who have partnered with Life. Money. You. on their financial freedom journeys! Life. Money. You.®, LLC is a holistic financial well-being Credit Union Service Organization (CUSO), owned by BCU, providing prescriptive solutions through digital tools, one-on-one financial coaches, live events, and access to financial health products and services to encourage behavior change and improve people's financial health. Because Life happens, Money matters, and we're here for You.

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E54: Managing Money as a Division I College Athlete

Fri, 02 Aug 2024 11:00:00 -0400

Join Bjorn as he welcomes friend and former colleague, Alexander. Alexander shares his personal story of being recruited to play Division I College Football, and how he balanced school, sports, and money.

Subscribe to better money moves today: https://www.lifemoneyyou.com/As a subscriber, here's what you get:✨ A monthly newsletter (featuring our blog and podcast)✨ Your own Certified Financial Coach✨ Exclusive invites to live events with open chats✨ Access to a mobile app with money management tools✨ Credit Union Membership Eligibility. Join the 20,000 and growing subscribers who have partnered with Life. Money. You. on their financial freedom journeys! Life. Money. You.®, LLC is a holistic financial well-being Credit Union Service Organization (CUSO), owned by BCU, providing prescriptive solutions through digital tools, one-on-one financial coaches, live events, and access to financial health products and services to encourage behavior change and improve people's financial health. Because Life happens, Money matters, and we're here for You.

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E53: Golf Handicaps and Budgets

Thu, 25 Jul 2024 11:00:00 -0400

Join Bjorn as he walks you through what golf handicaps and budgeting have in common, comparing accurate spending to the Arccos Golf App, and how trending is essential to narrowing your financial focus.

-Subscribe to better money moves today: https://www.lifemoneyyou.com/
As a subscriber, here's what you get:
✨ A monthly newsletter (featuring our blog and podcast)
✨ Your own Certified Financial Coach
✨ Exclusive invites to live events with open chats
✨ Access to a mobile app with money management tools
✨ Credit Union Membership Eligibility
Join the 20,000 and growing subscribers who have partnered with Life. Money. You. on their financial freedom journeys! Life. Money. You.®, LLC is a holistic financial well-being Credit Union Service Organization (CUSO), owned by BCU, providing prescriptive solutions through digital tools, one-on-one financial coaches, live events, and access to financial health products and services to encourage behavior change and improve people's financial health. Because Life happens, Money matters, and we're here for You.

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E52: Flipping the Financial Script

Mon, 15 Jul 2024 09:50:03 -0400

Join Bjorn as he re-welcomes colleague and friend, Joe Styx. Instead of Bjorn inquiring our guest, Joe takes the lead as host, asking our man behind the mic some personal finance questions.

Subscribe to better money moves today: LifeMoneyYou.com

As a subscriber, here's what you get:

✨ A monthly newsletter (featuring our blog and podcast)

✨ Your own Certified Financial Coach

✨ Exclusive invites to live events with open chats

✨ Access to a mobile app with money management tools

✨ Credit Union Membership Eligibility

Join the 20,000 and growing subscribers who have partnered with Life. Money. You. on their financial freedom journeys! Life. Money. You.®, LLC is a holistic financial well-being Credit Union Service Organization (CUSO), owned by BCU, providing prescriptive solutions through digital tools, one-on-one financial coaches, live events, and access to financial health products and services to encourage behavior change and improve people's financial health. Because Life happens, Money matters, and we're here for You.

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E51: Financial Planning for Your 'Mini' Retirement

Fri, 05 Jul 2024 10:17:00 -0400

Join Bjorn as he welcomes high school friend, Mitch. Together, they'll talk you through the FIRE Movement, purging so you can splurge, and everyday financial habits you can adopt to prep for a ‘mini’ retirement. Also, be sure to check out Mitch's new podcast myFIcap$ule where he talks about personal finance, lifestyle design, and his journey to financial independence: https://podcasts.apple.com/us/podcast/myficapsule/id1742479019.

Subscribe to better money moves today: LifeMoneyYou.comAs a subscriber, here's what you get:

✨ A monthly newsletter (featuring our blog and podcast)

✨ Your own Certified Financial Coach

✨ Exclusive invites to live events with open chats

✨ Access to a mobile app with money management tools

✨ Credit Union Membership Eligibility

Join the 20,000 and growing subscribers who have partnered with Life. Money. You. on their financial freedom journeys!

Because Life happens, Money matters, and we're here for You.

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E50: Raising Money-Smart Kids with Money Mammals

Fri, 14 Jun 2024 13:00:00 -0400

Join Bjorn as he welcomes friend John Lanza, the Chief Mammal and creator of The Money Mammals; Anaward-winning Kids Club and educational program that teaches kids and their parents about money.

If you are looking for help along your financial journey, please subscribe for free to the Life. Money. You.® Financial Well-Being Program at LifeMoneyYou.com and take advantage of our financial wellness appcalled MoneyTracks™, relevant content, one-one-one financial coaching, and credit union membershipeligibility at BCU. Life Happens. Money Matters. We're Here for You. #financialwellbeingforall #financialhealth #financialwellness

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E49: Becoming a CEO

Fri, 31 May 2024 09:00:00 -0400

Join Bjorn as he welcomes friend and CEO of Novation Credit Union, Mike Kronebusch. Mike shares what his journey has looked like working for 3M, joining the Board of Directors of Novation, and now leading the organization. He talks about opportunities he said yes to along the way, when he turned down offers, and skills he has developed to get to where he is. If you are an aspiring CEO, this is a great story to listen to!If you are looking for inspiration along your financial journey, please subscribe for free to the Life. Money. You. Financial Well-Being Program at LifeMoneyYou.com and take advantage of our financial wellness app, relevant content, one-on-one financial coaching, and credit union membership eligibility at BCU. Life Happens. Money Matters. We’re Here For You. #financialwellbeingforall #financialhealth #financialwellness

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E48: Becoming a Professional Musician

Wed, 22 May 2024 09:00:00 -0400

Join Bjorn as he welcomes his good friend Adam Meckler to the show. Adam is a professional jazz trumpet player, composer, songwriter, educator, and entrepreneur. He is the Director of Jazz Studies at Michigan Technological University, CEO of Gig Boss, LLC, leads the Adam Meckler Orchestra, and tours regularly with some of the biggest names in the business. Bjorn and Adam talk about what it’s like to become a professional musician and Adam’s entrepreneurial story along the way. If you’d like to listen to Adam’s music and watch him live, make sure to check out AdamMeckler.com.

If you are looking for inspiration along your financial journey, please subscribe for free to the Life. Money. You. Financial Well-Being Program at LifeMoneyYou.com and take advantage of our financial wellness app, relevant content, one-on-one financial coaching, and credit union membership eligibility at BCU. Life Happens. Money Matters. We’re Here For You. #financialwellbeingforall #financialhealth #financialwellness

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E47: The Intersection of Mental and Financial Health

Thu, 09 May 2024 09:00:00 -0400

Join Bjorn as he welcomes Senior Benefits Consultant, registered nurse, and mental health expert, Ann Beauchamp, to talk about her experience helping employees thrive in their professional and personal lives by reducing overall stress.

If you are looking for help along your financial journey, please subscribe for free to the Life. Money. You. Financial Well-Being Program at LifeMoneyYou.com and take advantage of our financial wellness app, relevant content, one-on-one financial coaching, and credit union membership eligibility at BCU. Life Happens. Money Matters. We're Here For You. #financialwellbeingforall #mentalhealthawarenessmonth

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E46: Behind The Scenes of Financial Planning

Fri, 26 Apr 2024 13:00:00 -0400

Join Bjorn as he welcomes Jim Kastner, CFP® to the podcast, new friend, and financial advisor with decades of experience. We'll talk you through what financial planning is, how an advisor can help, and so much more.

The material we will be discussing is not intended as ERISA, legal, accounting, or tax advice, nor is it intended to provide specific advice or recommendations for any individual. To determine which strategies orinvestments may be suitable for you, consult the appropriate qualified professional prior to making a decision.

If you would like support in your financial life, please head over to LifeMoneyYou.com and subscribe to our Financial Well-Being Program to take advantage of relevant content, our mobile app, one-on-one financial coaching, as well as Credit Union membership from BCU. Life Happens. Money Is Important. We Are Here for You. #financialwellbeingforall #financialhealth #financialwellbeing #financialplanning

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E45: When In Rome...Save On The Cruise

Wed, 10 Apr 2024 09:00:00 -0400

Buckle up with Bjorn as he welcomes BCU colleague and friend, Joe Styx, to share his spending strategy for scoring the most savings on his upcoming family cruise to Europe.

If you are interested in more money-saving tips like this, we'd love to have you subscribe to the Life. Money. You. Financial Well-Being Program for free at LifeMoneyYou.com. You'll get access to our mobile financial wellness app, relevant content, financial coaching and become eligible for credit union membership at BCU. #financialwellbeingforall #financialhealth

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E44: Caring For a Sick Loved One

Wed, 27 Mar 2024 09:00:00 -0400

Join Bjorn as he welcomes BCU colleague and friend, Deliana Gamez, to share more about her story of caring for her father when he became terminally ill. While things were tough, there were many wonderful moments that happened during this time as she and her family took on helping him live the life he wanted to until the end.

If you are looking for support during a difficult time, please make sure to check out the Life. Money. You. Financial Well-Being Program at LifeMoneyYou.com. You can subscribe for free and get access to digital tools, relevant content, and one-on-one financial coaching while also becoming eligible for credit union membership at BCU. Life Happens. Money Matters. We are here for You. #financialwellbeingforall #financialhealth

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E43: The Eighth Wonder of the World

Fri, 15 Mar 2024 08:00:00 -0400

Join Bjorn as he talks about the amazing concept of compound interest and why you should tell everyone you know! This is especially impactful the younger you are, so it's a great first lesson for a high school or college student and is extremely important for adults to understand too!

If you would like to learn more about concepts like this, subscribe to the Life. Money. You. Financial Well-Being Program for free at LifeMoneyYou.com. #financialhealth #financialwellbeingforall #compoundinterest

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E42: Do I Need Pet Insurance?

Tue, 27 Feb 2024 10:16:37 -0500

Join Bjorn as he welcomes friend and colleague Stephanie Rideout to talk about financially caring for pets. Stephanie is an animal lover at heart who has gone through a number of challenging pet emergencies and provides everything she has learned along the way. There is also a great discussion about pet insurance and the pros and cons of getting it put in place.

If you are looking at getting a pet and want to prepare financially, check out the Life. Money. You. Financial Well-Being Program where you can subscribe for free and get access to digital tools, one-on-one financial coaching, and become eligible for credit union membership at BCU. Subscribe today at LifeMoneyYou.com.

Life Happens. Money is Important. We are Here for You. #financialwellbeing #financialhealth #financialwellbeingforall

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E41: Navigating Finances as a Couple

Wed, 14 Feb 2024 09:27:57 -0500

Join Bjorn as he welcomes fellow financial experts and podcast hosts of For Better and Worth, Chris and Ericka Young to the show to talk about how they have done their finances as a couple and what they've learned along the way. It hasn't always been easy, but they have worked together to find a good path forward and now do a podcast together to teach others about how to manage their money well #relationshipgoals.

If you want to check them out, make sure to visit www.forbetterandworth.com as well as Ericka's site, www.erickayoung.com.

If you are looking for financial help in your relationship, please check out the Life. Money. You. Program at LifeMoneyYou.com and subscribe for free today. #financialwellbeingforall #financialwellness

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E40: Teaching Teens About Money In a Way That Works!

Fri, 09 Feb 2024 16:15:12 -0500

Join Bjorn as he welcomes fellow financial wellness practitioner, JP Servideo, to the podcast. They discuss the importance of teaching teens about money and a number of practical tips to help teens build a financial foundation that will help them immensely into the future. You might even get some parenting advice along the way!

If you are looking for help as you seek to positively influence youth around you on their financial journey, please subscribe to the Life. Money. You. Financial Well-Being Program for free at LifeMoneyYou.com and we will help you to do this successfully! Life Happens. Money is Important. We are here for you. #financialwellbeingforall #financialhealth #financialwellbeing

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E39: Spending On What Is MOST Important

Fri, 19 Jan 2024 09:15:55 -0500

Join Bjorn as he welcomes fellow BCU colleague, Leahnor Vestrum to the podcast, to discuss the importance of identifying the most important values in our life so that we spend money on the things that matter more to us. This will make us happier and healthier as well as give us the biggest ROI on our spending.

If you are looking for help identifying how you should be spending your money better, please subscribe to the Life. Money. You. Financial Well-Being Program for free at LifeMoneyYou.com and we will help you to do this successfully! Life Happens. Money is Important. We are here for you. #financialwellbeingforall #financialhealth #financialwellbeing

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E38: How to Experience Disney World

Fri, 12 Jan 2024 14:51:33 -0500

Join Bjorn as he welcomes friend and colleague, Erin Macasek, to talk about her recent family trip to Disney World. You'll hear very practical tips on how to plan, where to stay, parks to visit, and what to skip; all while working within a budget.

For tips like this and other financial expertise, please subscribe for free to the Life. Money. You. Program at LifeMoneyYou.com. Life Happens. Money is important. We are here for you. #financialwellbeingforall #financialhealth #disneyworld

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E37: Discussing "Rich Dad Poor Dad"

Tue, 02 Jan 2024 13:11:18 -0500

Join Bjorn as he welcomes friend of the podcast, Joe Styx, to discuss the personal finance classic "Rich Dad Poor Dad". You'll hear about the main themes from the book and what Bjorn and Joe are going to personally do to implement key takeaways. You don't want to miss this discussion as you leap into the New Year!

If you are looking for financial help, please subscribe for free to the Life. Money. You. Program at LifeMoneyYou.com. You'll get access to digital tools, personalized content, one-on-one financial support, and become eligible for membership at BCU. #financialwellbeingforall #financialhealth #creditunions

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E36: Are We In a Recession?

Fri, 22 Dec 2023 09:49:42 -0500

Join Bjorn as he welcomes Dave Brydun, BCU's Chief Lending Officer to the show. Dave shares his thoughts on current economic conditions and what the analytics are pointing to for the future. They discuss prior recessionary times and how today's economy looks like those and doesn't. You'll leave with some practical tips on things you can do right now to build cushion and prepare for the future, no matter what happens.

If you are looking for support to reach your financial goals in the New Year, please subscribe to the Life. Money. You. Program (for free!) and get access to digital tools, one-on-one financial coaching, relevant content to grow your financial knowledge, and eligibility for credit union membership at BCU. Visit LifeMoneyYou.com to learn more and subscribe today. #financialhealth #financialwellbeingforall #economy

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E35: Becoming a Professional Speaker

Thu, 14 Dec 2023 10:49:49 -0500

Join Bjorn as he speaks with internationally recognized thought leader, author, speaker, and transformational coach, Sean Albertson. Enjoy learning how Sean got into the business of writing and professional speaking as well as things that you can do right now in your life to communicate better with family, friends, colleagues, and customers.

Learn more about Sean and his work at www.cx4rocks.com. Pick up a copy of his book 4Rocks: Reduce Effort, Drive Loyalty, Transform the Customer Journey at https://www.amazon.com/dp/B0CK3Q8NGV/ref=sr_1_1?qid=1696283293&refinements=p_27%3ASean+Albertson&s=books&sr=1-1&text=Sean+Albertson.

If you want to improve your financial health and get the support you need, please subscribe to the LMY Program at LifeMoneyYou.com. #financialhealth #financialwellbeingforall

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E34: A Personal Story: Kristi's Path to Becoming a Financial Planner

Wed, 06 Dec 2023 17:25:25 -0500

Join Bjorn as he welcomes friend and colleague, Kristi Mertens, Managing Director of BCU Wealth Advisors to talk about how shehas gotten to where she is. Kristi talks about starting out as a financial planner in a small town, why she pursued her CERTIFIED FINANCIAL PLANNER™ designation, and why she loves helping people reach their financial dreams.

If you are looking for financial help or support, please subscribe to the Life. Money. You. Program for free at LifeMoneyYou.com. #financialwellbeing #certifiedfinancialplanner #financialhealth #financialwellbeingforall

This discussion involves general information pertaining to investment advisory/management services and is not intended to constitute investment advice. Opinions expressed are those of the speaker, are subject to change, not guaranteed andshould not be considered recommendations to buy or sell any security.

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E33: A Personal Story: Bjorn's Path to Financial Wellness

Wed, 22 Nov 2023 16:51:06 -0500

Join Bjorn as he shares his personal story about why he loves what he does in the financial wellness space. From an early age, he realized there were many who needed help financially, both learning about finances and getting the support they need to make positive improvements.

If you are looking for support and help on your financial journey, please subscribe to the Life. Money. You. Program at LifeMoneyYou.com and take advantage of helpful tools and experts to improve your financial life. Once you subscribe, you also become eligible for credit union membership through BCU. #financialwellness #financialwellbeing #financialhealth

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E32: Discussing: “The Psychology of Money”

Mon, 06 Nov 2023 21:20:09 -0500

Join Bjorn as he welcomes good friend and fellow BCU employee, Joe Styx, to discuss the very popular personal finance book "The Psychology of Money: Timeless lessons on wealth, greed, and happiness" by Morgan Housel. You'll hear about why your personal history with money plays such a role in how you make financial decisions, the differences between being rich versus wealthy, and how the lottery mindset can impact decision making. Bjorn and Joe then take turns sharing personal stories of how this book has impacted them personally and what it will mean looking forward.

Pick up your own version of the book at https://www.amazon.com/Psychology-Money-Timeless-lessons-happiness/dp/0857197681.

Life happens. Money is important. We are here for You. Join the Life. Money. You. Program at LifeMoneyYou.com. #financialwellbeingforall #psychologyofmoney #financialhealth

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E31: Do You Need a Financial Coach?

Fri, 27 Oct 2023 09:43:48 -0400

Join Bjorn as he welcomes Chris Wolgamott (CCUFC, CUDE), Director of Financial Well-Being at Meritrust Credit Union and an expert in financial coaching. Chris not only has worked with hundreds of individuals to improve their financial lives, but he also trains other financial coaches to get them prepared to help their communities. Bjorn and Chris talk about why financial coaching is important, who should be using a financial coach, what other types of financial advice are available, and how financial lives can be changed by working with a trained expert.

If you are looking for financial help, please subscribe for free to the Life. Money. You. Financial Well-Being Program at www.lifemoneyyou.com and schedule a free session with one of our certified financial coaches. #financialwellbeing #financialhealth #financialcoaching #financialwellbeingforall

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E30: Writing a Children's Book About Money

Mon, 16 Oct 2023 09:52:56 -0400

Join Bjorn as he welcomes children's book author, Robert Culpepper III and fellow co-publisher, Christopher Johnson as they talk about their newest project, writing and self-publishing The Adventures of Bonnie Saves-A-Lot: Bonnie Discovers Money. You'll hear about why teaching financial literacy at a young age is so important (and a massive need), what the writing and publishing process has been like, and how they hope to be part of raising up the next generation of financially-savvy kids. If you are interested in picking up a copy of this book to read to your children, please visit their website: https://www.bonniesavesalot.com/product-page/the-adventures-of-bonnie-saves-a-lot-bonnie-discovers-money #financialliteracy #financialwellbeing

For help improving your financial health, please visit LifeMoneyYou.com and subscribe for free today to access our financial well-being program that's here to help you improve spending habits, boost your credit score, increase savings and better prepare for key life events. We do this by providing you with digital tools, relevant financial content, and personalized support from a live financial coach. You'll also become eligible for money-saving credit union offers and products from BCU.

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E29: Starting a Virtual Golf Business

Mon, 09 Oct 2023 21:42:59 -0400

Join Bjorn as he welcomes his friend, Pete, who along with business partner Sam have started a virtual golf simulator business in Minnesota, called 24 Golf.

You'll learn about how and why they got into this work, what they needed to consider before getting started and how things have been going about a year into the business. They also have some exciting news to share as they look out into the future!

If you live in the Twin Cities and are interested in playing golf 24/7 (and especially this winter), check them out at www.the24golf.com. #financialwellbeingforall #golfislife #virtualgolf

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E28: Strategic Differentiation

Mon, 02 Oct 2023 14:46:31 -0400

Join Life. Money. You.® Executive Director, Bjorn Larson, CEO of BCU, Mike Valentine, Senior Director of Integrated Marketing at BCU, Erin Macasek, along with credit union advocate, consultant, and author, George Hofheimer, to discuss the power of adifferentiated strategy.

You’ll hear how the Credit Union is approaching its strategy to grow with purpose and learn key strategic principles from George’s book, Banking on a Human Scale. Listen to theseexperts discuss how to lean into an increasingly digital world without losing the human element of financial services.

You can pick up George’s book here: https://www.amazon.com/Banking-Human-Scale-George-Hofheimer/dp/B0C12R71W7. #financialwellbeing #strategy #credituniondifference

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E27: Making a Big Move

Sun, 10 Sep 2023 21:15:58 -0400

Join Bjorn and Dani from the Life. Money. You. team as they talk about how Dani recently made a move across the country. Dani shares the preparations she made, including various financial considerations as well as how she approached things at her job. She also had some surprises along the way that are helpful for anyone who is thinking about making a similar journey. #financialwellbeing #financialfreedom #lastblockbusterinbend

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E26: How To Be A Smart Saver

Mon, 28 Aug 2023 12:32:27 -0400

Join Bjorn from the Life. Money. You. (LMY) team and special guest, Melissa Dippold, Benefits Consultant from Cardinal Health, as they spend some time talking about their personal savings strategies for both short and long-term goals. They also share about mistakes they've made and what they learned from those mistakes to implement processes that work better and remove human error. You'll get a number of different practical ideas to level-up your personal savings and take advantage of some of the best tools and accounts that are out there. #financialwellbeing #financialhealth #savemoretomorrow #savings

If you are looking for additional tools, resources, and support to help you save more, please subscribe to the LMY Program at LifeMoneyYou.com and also take advantage of our new financial wellness app, MoneyTracks (download at MoneyTracksApp.com).

Bjorn Larson talks money on the journey of financial freedom.

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E25: What These Interns Learned About Adulting

Mon, 31 Jul 2023 09:29:00 -0400

Subscribe to our podcast here: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227Or on Spotify here: https://open.spotify.com/show/4b3Dxfj0oZHqTaWWvI6vIWOr on Anchor here: https://anchor.fm/life-money-youFollow us on LinkedIn: https://www.linkedin.com/company/81923545Visit our website here: https://www.bcu.org/Financial-Well-Being/Life-Money-You/My-LMYTheme music provided by BenSoundWhat Is Financial Wellness?Financial wellness is a state of financial well-being in which you can manage your bills and expenses, pay your debts, weather unexpected financial emergencies and plan for long-term financial goals such as building college funds and saving for retirement.The U.S. Consumer Financial Protection Bureau defines financial wellness — also known as financial well-being — as “the feeling of having financial security and financial freedom of choice, in the present and when considering the future.”Financial independence is the status of having enough income or wealth sufficient to pay one's living expenses for the rest of one's life.Bjorn Larson talks money on the journey of financial freedom.

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E24: How We Were Changed By ATOMIC HABITS

Mon, 24 Jul 2023 10:46:00 -0400

Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones Hardcover – October 16, 2018by James Clear (Author)

Tiny Changes, Remarkable Results
No matter your goals, Atomic Habits offers a proven framework for improving--every day. James Clear, one of the world's leading experts on habit formation, reveals practical strategies that will teach you exactly how to form good habits, break bad ones, and master the tiny behaviors that lead to remarkable results.

If you're having trouble changing your habits, the problem isn't you. The problem is your system. Bad habits repeat themselves again and again not because you don't want to change, but because you have the wrong system for change. You do not rise to the level of your goals. You fall to the level of your systems. Here, you'll get a proven system that can take you to new heights.

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E23: How I Started A Networking Group

Wed, 05 Jul 2023 11:46:37 -0400

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E22: How Being A Caddie Paid For My College

Mon, 12 Jun 2023 16:04:20 -0400

What Is Financial Wellness?Financial wellness is a state of financial well-being in which you can manage your bills and expenses, pay your debts, weather unexpected financial emergencies and plan for long-term financial goals such as building college funds and saving for retirement.The U.S. Consumer Financial Protection Bureau defines financial wellness — also known as financial well-being — as “the feeling of having financial security and financial freedom of choice, in the present and when considering the future.”Financial independence is the status of having enough income or wealth sufficient to pay one's living expenses for the rest of one's life.#financialindependence #financialfreedom #financialindependenceretireearly #money #firemovement #financialeducation #financialliteracy #financialcoaching

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E21: Is The 13th Month A Bad Idea?

Sun, 21 May 2023 08:37:12 -0400

A thirteenth salary, or end-of-year bonus, is an extra payment given to employees at the end of December. Although the amount of the payment depends on a number of factors, it usually matches an employee's monthly salary and can be paid in one or more installments (depending on country). The thirteenth salary is most prominent in Latin America, where this payment is mandatory in most countries. In countries where the bonus is required by law, all employees usually receive it if they have worked for the company for a certain required amount of time. However, freelancers and contract workers are often not entitled to receive the 13th-month pay. Employees who have not worked for the company for a full year often receive a pro-rated amount.

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E20: How Essentialism Helps Happiness And Budgets

Wed, 03 May 2023 10:41:04 -0400

Subscribe to our podcast here: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227Or on Spotify here: https://open.spotify.com/show/4b3Dxfj0oZHqTaWWvI6vIWOr on Anchor here: https://anchor.fm/life-money-youFollow us on LinkedIn: https://www.linkedin.com/company/81923545Visit our website here: https://www.bcu.org/Financial-Well-Being/Life-Money-You/My-LMYTheme music provided by BenSoundWhat Is Financial Wellness?Financial wellness is a state of financial well-being in which you can manage your bills and expenses, pay your debts, weather unexpected financial emergencies and plan for long-term financial goals such as building college funds and saving for retirement.The U.S. Consumer Financial Protection Bureau defines financial wellness — also known as financial well-being — as “the feeling of having financial security and financial freedom of choice, in the present and when considering the future.”Financial independence is the status of having enough income or wealth sufficient to pay one's living expenses for the rest of one's life.#financialindependence #financialfreedom #financialindependenceretireearly #money #firemovement #financialeducation #financialliteracy #financialcoaching

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E19: Discussing "Sway: The Irresistible Pull of Irrational Behavior"

Sun, 12 Mar 2023 07:00:00 -0400

Sway: The Irresistible Pull of Irrational Behavior. We work with a lot of people, often to undo financial challenges due to bad decisions. In order to understand why we tend to make bad decisions and even sometimes compound those bad decisions with more bad decisions, we read Sway. Sway gives us a deeper look at why we make the decisions we do, despite what we know to be true or contrary to the good information we have. If you want to hear about what leads us to bad decisions so we can hopefully improve our own decision making, join us for our discussion of Sway.

Subscribe to our podcast here: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227

Or on Spotify here: https://open.spotify.com/show/4b3Dxfj0oZHqTaWWvI6vIW

Or on Anchor here: https://anchor.fm/life-money-you

Visit our website here: https://www.bcu.org/Financial-Well-Being/Life-Money-You/My-LMY

Theme music provided by BenSound

What Is Financial Wellness?

The U.S. Consumer Financial Protection Bureau defines financial wellness — also known as financial well-being — as “the feeling of having financial security and financial freedom of choice, in the present and when considering the future.”

Financial independence is the status of having enough income or wealth sufficient to pay one's living expenses for the rest of one's life.

#financialindependence #financialfreedom #financialindependenceretireearly #money #firemovement #financialeducation #financialliteracy #financialcoaching

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E18: My Doordash & Lyft Side Hustles

Mon, 20 Feb 2023 08:04:06 -0500

Subscribe to our podcast here: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227

Or on Spotify here: https://open.spotify.com/show/4b3Dxfj0oZHqTaWWvI6vIW

Or on Anchor here: https://anchor.fm/life-money-you

Visit our website here: https://www.bcu.org/Financial-Well-Being/Life-Money-You/My-LMY

Some statistics say that almost half of Americans have a side hustle. Some are using it to make their budget work, others are funding their retirement, but there are so many myths around side hustles... Let's discuss some of the misconceptions that side hustles are only for those who are struggling financially as well as give you an inside look at how much time it takes to do side hustles like Lyft and Doordash, but also how much money you can earn.

Theme music provided by BenSound

What Is Financial Wellness?

Financial independence is the status of having enough income or wealth sufficient to pay one's living expenses for the rest of one's life.

#financialindependence #financialfreedom #financialindependenceretireearly #money #firemovement #financialeducation #financialliteracy #financialcoaching

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E17: Our 9 Most Hated Financial Sayings

Mon, 06 Feb 2023 11:12:29 -0500

Subscribe to our podcast here: https://podcasts.apple.com/us/podcast/life-money-you-podcast/id1636521227

Or on Spotify here: https://open.spotify.com/show/4b3Dxfj0oZHqTaWWvI6vIW

Or on Anchor here: https://anchor.fm/life-money-you

Visit our website here: https://www.bcu.org/Financial-Well-Being/Life-Money-You/My-LMY

There's a lot of cliches and sayings out there about money. Some good. Some bad. But sometimes people hear something and think it's an absolute. Other times, we take it as personal advice and maybe make critical life decisions based on it. Other phrases may help form our mentality around money, careers, and life in general. We think some of these sayings may be doing more harm than good. We dive into our top 9 most hated financial sayings

Theme music provided by BenSound

What Is Financial Wellness?

Financial independence is the status of having enough income or wealth sufficient to pay one's living expenses for the rest of one's life.

#financialindependence #financialfreedom #financialindependenceretireearly #money #firemovement #financialeducation #financialliteracy #financialcoaching

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E16: "Creativity Inc" Pixar History Book Discussion

Mon, 23 Jan 2023 09:42:51 -0500

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Ed Catmull helped make Pixar one of the biggest business successes in American history and a household name. His love of technology and animation led to Pixar becoming the animation studio for Disney, but it didn't come easily or without pain. Ed shares this stories of how he kept Pixar and creativity afloat despite challenges.

What Is Financial Wellness?

Financial independence is the status of having enough income or wealth sufficient to pay one's living expenses for the rest of one's life.

#financialindependence #financialfreedom #financialindependenceretireearly #money #firemovement #financialeducation #financialliteracy #financialcoaching

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E15: Car vs Car: We Disagree On Cars!

Sun, 15 Jan 2023 08:13:11 -0500

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Lots of people own cars. Some people tolerate them. Other people collect them. Cars have been a key part of American culture for generations, but the car scene is changing. Philosophies on cars is evolving. Listen to our team discuss their differing opinions and philosophies on owning a car.

What Is Financial Wellness?

Financial independence is the status of having enough income or wealth sufficient to pay one's living expenses for the rest of one's life.

#financialindependence #financialfreedom #financialindependenceretireearly #money #firemovement #financialeducation #financialliteracy #financialcoaching

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E14: "Your Money or Your Life" Book Discussion

Sun, 01 Jan 2023 08:00:00 -0500

Get the book here... https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766

Get the audiobook here... https://amzn.to/3B0QzIO

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Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Fully Revised and Updated for 2018 Paperback – December 10, 2008

by Vicki Robin

For more than twenty-five years, Your Money or Your Life has been considered the go-to book for taking back your life by changing your relationship with money. Hundreds of thousands of people have followed this nine-step program, learning to live more deliberately and meaningfully with Vicki Robin’s guidance. This fully revised and updated edition with a foreword by "the Frugal Guru" (New Yorker) Mr. Money Mustache is the ultimate makeover of this bestselling classic, ensuring that its time-tested wisdom applies to people of all ages and covers modern topics like investing in index funds, managing revenue streams like side hustles and freelancing, tracking your finances online, and having difficult conversations about money.

Whether you’re just beginning your financial life or heading towards retirement, this book will show you how to:

• Get out of debt and develop savings

• Save money through mindfulness and good habits, rather than strict budgeting

• Declutter your life and live well for less

• Invest your savings and begin creating wealth

• Save the planet while saving money

What Is Financial Wellness?

Financial independence is the status of having enough income or wealth sufficient to pay one's living expenses for the rest of one's life.

#financialindependence #financialfreedom #financialindependenceretireearly #money #firemovement #financialeducation #financialliteracy #financialcoaching

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E13: How I Got Out Of My Timeshare

Sun, 25 Dec 2022 09:38:21 -0500

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Timeshares can be a great way to get a vacation for cheap. Many companies sell timeshares that give you a piece of ownership of a vacation property. However, many people find themselves with financial obligations or expectations unfulfilled. Joe Styx shares his story of buying into a timeshare, what to avoid, and how he solved his timeshare problem.

What Is Financial Wellness?

Financial independence is the status of having enough income or wealth sufficient to pay one's living expenses for the rest of one's life.

#financialindependence #financialfreedom #financialindependenceretireearly #money #firemovement #financialeducation #financialliteracy #financialcoaching

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E12: How I Make Money Thrift Store Flipping

Sun, 11 Dec 2022 08:00:00 -0500

Making extra money in your free time doesn't mean you have to punch a clock or have a regular schedule. Hear how Stephanie raises two kids and uses her free time to keep herself entertained and make money. Stephanie and her family are focused on financial independence, and shares just one of her multiple streams of income with a detailed look at how she flips items from thrift stores, garage, and estate sales.

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What Is Financial Wellness?

Financial wellness is a state of financial well-being in which you can manage your bills and expenses, pay your debts, weather unexpected financial emergencies and plan for long-term financial goals such as building college funds and saving for retirement. The U.S. Consumer Financial Protection Bureau defines financial wellness — also known as financial well-being — as “the feeling of having financial security and financial freedom of choice, in the present and when considering the future.”

Financial independence is the status of having enough income or wealth sufficient to pay one's living expenses for the rest of one's life. #financialindependence #financialfreedom #financialindependenceretireearly #money #firemovement #financialeducation #financialliteracy #financialcoaching

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E11: Our Holiday Life Hacks

Sun, 27 Nov 2022 11:18:17 -0500

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Oh, the holidays! Sometimes fun, sometimes stressful. We're always challenged to make Thanksgiving and Christmas a memorable one, but money, gifts, and travel put pressure on us to spend and get overwhelmed with the details. We discuss ways that we make the most of the holiday season while protecting our money and sanity!

Financial independence is the status of having enough income or wealth sufficient to pay one's living expenses for the rest of one's life.

#financialindependence #financialfreedom #financialindependenceretireearly #money #firemovement #financialeducation #financialliteracy #financialcoaching

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E10: How We Have a Rich But Affordable Holidays

Fri, 11 Nov 2022 15:12:00 -0500

The holidays can be expensive, stressful, and downright unpleasant sometimes. We discuss ways to keep the joy alive this holiday season with stories and tips from our own experiences.

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What Is Financial Wellness?

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E9: What Got Us Thinking From The EMERGE Conference

Sun, 06 Nov 2022 10:49:16 -0500

EMERGE

A Forum for Financial Health

Powered by the Financial Health Network, EMERGE unites innovators across industries to learn, collaborate, and improve the future of finhealth. Explore our lineup of virtual and in-person events, podcasts, and resources to stay in the know on financial health, all year long.

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What Is Financial Wellness?

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E8: How We Find Cheap Entertainment

Sun, 23 Oct 2022 07:47:46 -0400

Finding ways to stay entertained, refreshed, and creative can be hard. But it can be worse when you want to entertain an entire family on a limited budget. Tune in as we discuss ways we enjoy outings, excursions, and entertainment without breaking the bank.

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What Is Financial Wellness?

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E7: My Tips For Success With Airbnb

Sun, 16 Oct 2022 06:00:00 -0400

You don't need to build a custom home to start your own Airbnb. Our team member, Warren, explains how he decided to start renting out a room in his home on Airbnb and how it helped him reach his financial goals. In a short amount of time, Warren is expanding his real estate projects as Airbnb has opened up exciting opportunities for him. Learn about his mistakes and successes using Airbnb.

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Visit our website here: https://www.bcu.org/Financial-Well-Being/Life-Money-You/My-LMY

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What Is Financial Wellness?

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E6: "Get Smart With Money" Netflix Movie Discussion

Sun, 09 Oct 2022 07:52:43 -0400

We watched the Netflix documentary following four financial experts helping people with financial problems. This movie demonstrates the type of work that we've been doing for years. Tune in as we discuss our thoughts of the movie and tips for people struggling with similar money problems.

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What Is Financial Wellness?

#financialindependence #financialfreedom #financialindependenceretireearly #money #firemovement #financialeducation #financialliteracy #financialcoaching

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E5: How We'd Do A Wedding Now

Fri, 23 Sep 2022 08:42:18 -0400

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We both got married, had the weddings we dreamed of. However, with experience and age, we discuss how we'd do our weddings all over if we could, saving us money and improving the experience for everyone. If you're planning a wedding of your own, join us for thoughts on what's important and where you can save some money strategically.

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What Is Financial Wellness?

Financial independence is the status of having enough income or wealth sufficient to pay one's living expenses for the rest of one's life. #wedding #financialindependence #financialfreedom #financialindependenceretireearly #money #firemovement #financialeducation #financialliteracy #financialcoaching

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E3: How We Got Great Deals on Vacation Travel

Fri, 26 Aug 2022 08:59:18 -0400

Everyone loves taking time off and getting recharged on vacation. But vacations can look a lot different from each other if we're focused on the outcomes instead of just the destination. And, of course, if your favorite places seem unaffordable, learn about unique vacation opportunities and methods for getting cheap, even free, vacation travel.

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Visit our website here: https://www.bcu.org/Financial-Well-Being/Life-Money-You/My-LMY

Theme music provided by BenSound

Financial independence is the status of having enough income or wealth sufficient to pay one's living expenses for the rest of one's life.

#financialindependence #financialfreedom #financialindependenceretireearly #money #firemovement #financialeducation #financialliteracy #financialcoaching

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E2: Money Lessons We Learned from Golf

Mon, 08 Aug 2022 08:19:30 -0400

You might love golf or just be curious about trying it out? But does golf teach us about finances too? Are there lessons to learn about life from the ancient game of golf? Listen in to discover more about money and finances from the game of golf!

Visit our website here: https://www.bcu.org/Financial-Well-Being/Life-Money-You/My-LMY

Gain peace of mind and achieve your financial goals with Life. Money. You.®

Grow your financial expertise with tools and resources.

Theme music provided by BenSound

What Is Financial Wellness?

Financial independence is the status of having enough income or wealth sufficient to pay one's living expenses for the rest of one's life.

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today

S1|E1: How WE'RE Fighting Inflation

Tue, 26 Jul 2022 02:03:46 -0400

Get the Tight Times children's book here: https://www.amazon.com/Tight-Times-Picture-Puffins-Barbara/dp/0140504427

Get the Honey Chrome extension here: https://chrome.google.com/webstore/detail/honey-automatic-coupons-r/bmnlcjabgnpnenekpadlanbbkooimhnj

Get the Retail Me Not Chrome extension here: https://chrome.google.com/webstore/detail/retailmenot-deal-finder%EF%B8%8F/jjfblogammkiefalfpafidabbnamoknm?hl=en-US

Visit our website here: https://www.bcu.org/Financial-Well-Being/Life-Money-You/My-LMY

Gain peace of mind and achieve your financial goals with Life. Money. You.®Grow your financial expertise with tools and resources.

Theme music provided by BenSound

What Is Financial Wellness?

Financial independence is the status of having enough income or wealth sufficient to pay one's living expenses for the rest of one's life.

Life. Money. You.® | Helping people discover financial freedom with one-on-one coaching and digital solutions. | Subscribe @ LifeMoneyYou.com Today