Everyday Pioneers

On this episode of Everyday Pioneers, we talk to our youngest guest yet! Join us as 8 year old Elia shares about her journey of starting her own business, where she creates jewelry and clothing, called EC Fashion. We talk about the kindness of our community, how important giving back is, and learning to manage money. We also talk with Elia's mom, Amber, about how to best support our young entrepreneurs as they chase their dreams!   Have questions or comments about the podcast? Email us at podcast@pioneerfcu.org Subscribe today and visit us at www.PioneerFCU.org!

Join us for the next episode of our Buy Local Small Business series where we talk to Mel of Gallup Family Farms in Gooding, ID! Listen in as Mel compares life when she was a nurse during the COVID-19 pandemic to now, as a small business owner providing healthy foods to her community. Also during our time, we talk about what it's like to run 3 businesses with a spouse, sell goods locally, support your community, and how to connect as a family through busy schedules. You won't want to miss it!   Resources from this podcast: Gallup Family Farms: https://www.gallupfamilyfarms.com/ Calloused Hands Bounty: https://www.callousedhandsbounty.com/   Have questions or comments about the podcast? Email us at podcast@pioneerfcu.org Subscribe today and visit us at www.PioneerFCU.org!

Join us for our first episode of season 3 as we talk to local, small business owner Dulce about how she launched not one, but TWO businesses all while working a 40+ hour week at her long time career. We talk about how she started, what tools she used, and how she balances it all!   Resources from this podcast: Pioneer FCU Buy Local Program: https://www.pioneerfcu.org/Connect-with-Us/Why-Join/Buy-Local Idaho Women's Business Center: https://www.idahowomen.org/ Small Business Administration: https://www.sba.gov/   Have questions or comments about the podcast? Email us at podcast@pioneerfcu.org Subscribe today and visit us at www.PioneerFCU.org!

Listen in to our last episode of season 2! Join our host Chelsea as she interviews her husband Adam. They discuss how opposite they are in their financial mindsets and what they have done over their 10 years of marriage to get on the same page.   Have questions or comments about the podcast? Email us at podcast@pioneerfcu.org Subscribe today and visit us at www.PioneerFCU.org!

We all dream of the day where we can wake up without an alarm, life's chaotic pace has finally slowed down, and we are experiencing the freedom & peace of retirement.  While there are many of us still in the grind, our guest Carolyn has made it to the promised land and shares with us how she prepared for retirement and what life looks like now!   Have questions or comments about the podcast? Email us at podcast@pioneerfcu.org Subscribe today and visit us at www.PioneerFCU.org!

It's a common human trait to be focused on our own life and journey. We work hard to master things and get to a place of comfort, but what if we were to take a step out of our own bubble and lend a helping hand to others still early on in their journey? When it comes to finances, there is a vast array of information that is hard to fully understand. Our guest Steve talks about how he had to figure out finances the hard way and now devotes his life to help guide others. From helping them with basic budgeting to getting them to the right people and resources, listen in as he shares what he does to make a difference and what YOU can do to make an impact too!     Have questions or comments about the podcast? Email us at podcast@pioneerfcu.org Subscribe today and visit us at www.PioneerFCU.org!

TJ has been a golf enthusiast for most of his life and early on, found a way to turn his passion into his career. Now, he works as the golf pro at a local golf course, travels for lessons, and coaches the high school team. He is living the dream of making a career out of his hobby. Listen in as we talk about how to he manages his finances, what the benefits and downsides are to this lifestyle, and how he support others in their dreams and hobbies.   Have questions or comments about the podcast? Email us at podcast@pioneerfcu.org Subscribe today and visit us at www.PioneerFCU.org!

As a member, did you know that YOU have a say in how our credit union is ran? Did you know there is a board of volunteers who represent you and your opinions? Listen to this episode to hear from the Vice Chair of Pioneer's Board of Directors, Sue R! We talk about how she came to be a board member, what things our board handles, and what YOU should know about your role as a member owner of Pioneer!   Have questions or comments about the podcast? Email us at podcast@pioneerfcu.org Subscribe today and visit us at www.PioneerFCU.org!

On this episode, first time home buyer Chris shares his story of purchasing a home in the middle of the wild housing market of Idaho. We talk about how he prepared for this adventure by saving and what the process was like to find and buy his first home. We know a lot first time home buyers have struggled the last couple years as inventory has dwindled and prices have risen to unobtainable amounts, but we hope this episode gives you hope and helps you to identify steps to achieve your dream!   Have questions or comments about the podcast? Email us at podcast@pioneerfcu.org Subscribe today and visit us at www.PioneerFCU.org!

When our kids begin life after high school, there are many paths they can take. From pursuing a new career, to enlisting in the military, to going to college, there are endless opportunities ahead of them! As parents, we want to support their dreams and aspirations, but how can we do that? On this episode of Everyday Pioneers, we talk to Hilda who supported and encouraged her daughter's dream of going to college. From helping her find scholarships to driving to Utah for a last minute submission, she shares how she has helped and encouraged her daughter and how she plans to support her younger children as they pursue their life's dreams as well. 

Description: Did you know that 93% of Americans believe that high school students should be required to take a course in financial education, but only 4 US states require students to take a semester long course on personal finance. And spoiler alert, one of those 4 is not Idaho. This means that's that this responsibility falls on parents.  The good news is that you can help your children start learning about finances early. This episode is about how to introduce a really important topic, money, to your kids and who better to learn from than a mom of 7 who is actively teaching her kids these lessons now!   Have questions or comments about the podcast? Email us at podcast@pioneerfcu.org Subscribe today and visit us at www.PioneerFCU.org!

Military spouses can relate to the pain of being apart from their partner. But for those of us that have never moved multiple times or been without our spouse during a deployment, we may not realize that having a long distance relationship comes with additional challenges.   Athena shares about how her and her husband have navigated finances during multiple moves, deployments, and reintegration. As they come closer to her husbands retirement, Athena talks about how they are preparing and what things they would change looking back.    Have questions or comments about the podcast? Email us at podcast@pioneerfcu.org Subscribe today and visit us at www.PioneerFCU.org!

On this episode, Cindy shares about how her addiction to drugs affected her life, specifically her finances, and how she works on her recovery and helps others.   Did you know among Americans aged 12 years and older, 31.9 million are current illegal drug users (used within the last 30 days)? 14.8 million or 10.6% of them have an alcohol use disorder. The costs of these addictions can greatly affect a person's financial well-being. To put this into perspective, if you drink a cheap $5 6-pack of beer every day, that's $150 each month. That's almost $1,000 in 6 months to support this habit. Now switch out the $5 beer to a more expensive drug like, cocaine or heroin and the cost skyrockets. Some people can easily spend more than $10,000 each year to support their addiction. If you need help, please consider calling the SAMHSA National Helpline. 1-800-662-4357 Confidential free help, from public health agencies, to find substance use treatment and information.  Learn more     Have questions or comments about the podcast? Email us at podcast@pioneerfcu.org Subscribe today and visit us at www.PioneerFCU.org!

Have you ever dreamed of buying land and building a home? That dream is absolutely obtainable and our guest Tiffany shares how she has been navigating this journey!  From purchasing a piece of land, paying for expenses the come with land ownership, and taking the next steps to build a house, listen in as she explains some of the up and downs. Then we talk about how to handle the financial side of this endeavor and what's next for her and her family!   Have questions or comments about the podcast? Email us at podcast@pioneerfcu.org Subscribe today and visit us at www.PioneerFCU.org!

On this episode, we're discussing the importance of making a difference and getting involved in our communities. Join us as Amber shares her heart for the credit union culture of community involvement! From pursuing leadership positions in organizations to simply helping a neighbor, we talk about ways to get involved! Then hear stories about how it not only benefits the people who receive the help, but also, how it positively affects those giving their time and resources!    Have questions or comments about the podcast? Email us at podcast@pioneerfcu.org Subscribe today and visit us at www.PioneerFCU.org!

If you've ever worried about what would happen if you or your partner lost your job OR you have always wanted to have one parent stay home to raise the kids, then this episode is for you! Join us a Ben discusses the steps he and his wife took to become a single income family and the roadblocks that they had to overcome. From budgeting, creating safety nets, and having hard conversations, we talk about it all on this episode.    Have questions or comments about the podcast? Email us at podcast@pioneerfcu.org Subscribe today and visit us at www.PioneerFCU.org!  

Since buying her condo, Lisa had been dreaming and saving in order to create a perfect home. Between the pink carpet and outdated features, her condo was in need of some upgrades. When mortgage rates dropped, she decided it was time to get to it! Listen to this episode as we talk about how Lisa handled getting finances in line, finding people to assist her, and all the many choices she had to make!    Have questions or comments about the podcast? Email us at podcast@pioneerfcu.org Subscribe today and visit us at www.PioneerFCU.org!

Kellie had to adjust as life took an unexpected turn. After her divorce, she had to navigate budgeting, payments, and saving on her own. Listen in to this episode as she shares her journey and gives us some great tips for those that might also be single parents, as well as for those of us who know single parents and how we can support them! Also, visit our partners at Greenpath! They can help anyone with financial advice and guidance! And it's free for Pioneer members! https://www.greenpath.com/   Have questions or comments about the podcast? Email us at podcast@pioneerfcu.org Subscribe today and visit us at www.PioneerFCU.org!  

Have you ever felt like you had to choose between your career and your passion? Well, what if you could chase what lights up your soul without sacrificing the career you worked so hard for? Lyndsey joins us for this weeks episode and shares about how she navigates having a purposeful side hustle while still giving 100% effort at her 9 to 5 job! Listen in as she shares practical tips, lessons learned, and highlights some products that have helped turned her passion into an avenue for income.  Also, hear some lessons that she has learned along her 2 year journey.    Have questions or comments about the podcast? Email us at podcast@pioneerfcu.org Subscribe today and visit us at www.PioneerFCU.org!  

Candace and her husband have been navigating the ups and downs of medical emergencies, treatments, appointments, and medication for many years now. From multiple doctors, necessary treatments costing tens of thousands of dollars, and the new journey of being on a transplant list, hear Candace share their story and give insights about everything she has learned. Whether you have experiences that you can relate to or have never had to figure out the effects of medical expenses on your life, you're guaranteed to learn something new during this episode!   Prefer to view this podcast as a video with subtitles? https://youtu.be/me31gJKAp00   Have questions or comments about the podcast? Email us at podcast@pioneerfcu.org   Subscribe today and visit us at www.PioneerFCU.org!  

Delaney was living the good life in college. Minimal bills, money to spend, and freedom. Then after graduation, she was faced with the harsh realities of financial responsibility. Listen as she shares about her journey learning about bills, saving, loans, and credit. This is a great episode for college students and their parents to begin the conversation about financial literacy and preparedness. Please let us know how we can partner with you to transition into the "real world" with success! www.PioneerFCU.org   Prefer to view this podcast as a video with subtitles? https://youtu.be/8LCN9PTY9NU Have questions or comments about the podcast? podcast@pioneerfcu.org   Subscribe and visit us at www.PioneerFCU.org!

Joins us as we speak to Michelle about her and her husbands journey with fertility, IVF, and finances. She shares about her journey so far, where her and her husband are at now with their desire to build a family, and what the future might hold. Michelle shares 3 key takeaways with our listeners to help encourage and inform those that might be on a similar journey. Statistics say, 1 in 8 couples are affected by infertility, if you are "1" we want to make sure you know that you are seen and if Pioneer can partner with you to make the financial piece of the puzzle an easier fit, please reach out to us! We would be happy to help. www.PioneerFCU.org   Prefer to view this podcast as a video with subtitles? https://youtu.be/xtlDOB0Rlqc Have questions or comments about the podcast? podcast@pioneerfcu.org  

Martin was saving up by living with his parents before jumping into the deep end of the 2020 housing market but then he was met with the harsh reality of cash buyers, high prices, and low inventory. Choices had to be made and now he is navigating a new path that includes renting, saving, and budgeting, and all of this with his girlfriend. Listen in to learn about the lessons he learned, tools he uses, and what's next!   Prefer to view this podcast as a video with subtitles? https://youtu.be/Ac_y1hq8kiM Have questions or comments about the podcast? podcast@pioneerfcu.org   Subscribe and visit us at www.PioneerFCU.org!

This is Everyday Pioneers. The podcast all about how real people build strong financial futures.  Join us every other Wednesday as real Pioneers share their financial experiences and knowledge. Think of it as financial advice from the people who have lived it. People helping people, which is our credit Union promise! Our mission with this podcast is to give you the feeling of community and knowing that you're not alone in your financial experience. Each guest will share their story, their struggles, and what they learned. Then you'll get three takeaways to help you on your path going forward. Make sure you Subscribe to Everyday Pioneers wherever you listen to podcasts! We at Pioneer Federal Credit Union have a mission of igniting lifelong partnership with our members and communities. If there is anything we can do to help you build your financial future, please reach out to us! Visit our website at www.PioneerFCU.org