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  <title>It Starts with a Dollar: Real Talk About Financial Freedom</title>

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  <copyright>© 2026 It Starts with a Dollar: Real Talk About Financial Freedom</copyright>
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  <description><![CDATA[<p>Welcome to <b>It Starts with a Dollar</b>, the podcast where real conversations meet real-world finances. Produced by <b>Dover Federal Credit Union</b>, this show is designed to help you navigate the money decisions that shape your life without the jargon, confusion, or pressure.</p><p><br></p><p>Each episode, host Christa Cooper interviews a topic expert and dives into the topics that matter most: budgeting that actually works, building credit with confidence, preparing for the unexpected, managing debt, buying your first home, planning for your future, and everything in between. Whether you're just starting your financial journey or looking to level up your money mindset, we’re here to empower you with the knowledge, strategies, and tools that put your financial freedom within reach.</p><p><br></p><p>You don’t need to be an expert; you just need a place to start. And you’re in the right place.</p><p><br></p><p>This is <em>In Your Best Interest</em>: real talk, real stories, and real solutions for your financial life.</p>]]></description>
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    <itunes:title>It Starts with a Dollar | Ep.02 | Fraud w/Wes</itunes:title>
    <title>It Starts with a Dollar | Ep.02 | Fraud w/Wes</title>
    <itunes:summary><![CDATA[Fraud can happen to anyone — but knowing what to do makes all the difference. In this episode, Wes Congo joins It Starts with a Dollar to break down today’s most common scams, what steps to take if something goes wrong, and how to protect yourself before fraud strikes. ]]></itunes:summary>
    <description><![CDATA[<p>Fraud can happen to anyone — but knowing what to do makes all the difference. In this episode, Wes Congo joins <b>It Starts with a Dollar</b> to break down today’s most common scams, what steps to take if something goes wrong, and how to protect yourself before fraud strikes.</p>]]></description>
    <content:encoded><![CDATA[<p>Fraud can happen to anyone — but knowing what to do makes all the difference. In this episode, Wes Congo joins <b>It Starts with a Dollar</b> to break down today’s most common scams, what steps to take if something goes wrong, and how to protect yourself before fraud strikes.</p>]]></content:encoded>
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    <pubDate>Tue, 14 Apr 2026 11:00:00 -0400</pubDate>
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    <itunes:title>It Starts with a Dollar | Ep.01 | Home Buying w/Rick</itunes:title>
    <title>It Starts with a Dollar | Ep.01 | Home Buying w/Rick</title>
    <itunes:summary><![CDATA[It Starts with a Dollar episode 1 is a practical, no-nonsense conversation with Rick Bromley, AVP of Mortgage Lending at Dover Federal, designed to offer financial freedom. Listeners will walk through every step of the home-buying journey, from dreaming about a first home to making it a reality.    🎙️ What It’s About  The home-buying process is broken down into clear, easy-to-understand steps that are even easier to follow. The friendly, educational discussion offers exper...]]></itunes:summary>
    <description><![CDATA[<p><b>It Starts with a Dollar </b>episode 1 is a practical, no-nonsense conversation with Rick Bromley, AVP of Mortgage Lending at Dover Federal, designed to offer financial freedom. Listeners will walk through every step of the home-buying journey, from dreaming about a first home to making it a reality.<br/> <br/> 🎙️ What It’s About<br/> The home-buying process is broken down into clear, easy-to-understand steps that are even easier to follow. The friendly, educational discussion offers expert advice on real-life scenarios.<br/> <br/> 🏘️ What You’ll Learn<br/> How to determine your true budget (beyond just mortgage pre-approval)<br/> Understanding mortgage options and interest rates<br/> Understanding the value of equity in your home<br/> <br/> 👥 Who It’s For<br/> First-time homebuyers<br/> Renters preparing to buy<br/> Homebuyers tapping into the equity in their home.</p>]]></description>
    <content:encoded><![CDATA[<p><b>It Starts with a Dollar </b>episode 1 is a practical, no-nonsense conversation with Rick Bromley, AVP of Mortgage Lending at Dover Federal, designed to offer financial freedom. Listeners will walk through every step of the home-buying journey, from dreaming about a first home to making it a reality.<br/> <br/> 🎙️ What It’s About<br/> The home-buying process is broken down into clear, easy-to-understand steps that are even easier to follow. The friendly, educational discussion offers expert advice on real-life scenarios.<br/> <br/> 🏘️ What You’ll Learn<br/> How to determine your true budget (beyond just mortgage pre-approval)<br/> Understanding mortgage options and interest rates<br/> Understanding the value of equity in your home<br/> <br/> 👥 Who It’s For<br/> First-time homebuyers<br/> Renters preparing to buy<br/> Homebuyers tapping into the equity in their home.</p>]]></content:encoded>
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    <pubDate>Mon, 23 Feb 2026 12:00:00 -0500</pubDate>
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