The BECU Financial Advisor Podcast

A texter just came into a bunch of money and wants to know what debt they should pay off first, car loans or credit cards. A texter wants to know if they should start a college fund for their kid or a ROTHIRA. A texter and his wife has $10,000 in credit card debt and want to know if they should take out a loan to pay the debt. Todd recommends checking out NFCC.org for more info on debt.

Texters want to know the best way to save money giving gifts this holiday season. A texter has extra money from a recent house sale and wants to roll his car payment into his new mortgage. A texter just came into a bunch of cash and wants to know where to get the best interest rate. A texter wants to know the best way to build credit on a credit card. A texter wants to know where to invest money, like silver or gold. A texter wants to know if they should get an auto loan or pay with their 401k.

A texter wants to know if Student Loans fall off your report after 7 years. A texter wants to know if they should refinance their house and car loans. A texter wants to know if they should invent in a mutual fund. Todd shares his thoughts on 401k's versus ROTH401k.  

BECU is having an EV test drive auto event. A texter wants to know if they have to pay federal taxes on life insurance. Todd talks about the website NFCC.org, a non-profit organization that helps with debt. A texter has an opportunity to pay off a loan but it would drain his cash reserves; should he do it? A texter just got divorced and lost all of their retirement. They are 42, how should they start saving?

Texters want to know if they should buy a house now or a later based on their current credit. A texter wants to gift a jersey to a friend for helping them in their life. A texter's daughter is inheriting a house from a relative and wants to make sure they having everything in order.

A texter just got a big raise and wants to know what debt to pay off first. Todd just got a hot tub. A first-time home buyer wants to know the advantages of getting a VA Loan.

Texters want to know what makes BECU different from other banks. Lowest debt balance or highest interest rate first. A texter has grandparents who wants to invest in their grandkids future, where should they put their money? A texter is about to receive 2 years of back pay and wants to know what to do with the money. BJ wants to know if people should invest in CD's. Todd shares his thoughts on house buying and interest rates. 

A texter wants to know if they should pay off their car with the extra cash they have. Caller Smiley wants to know why he had to pay taxes on his interest through BECU. A texter wants to know how to set up an account and get a debit card. Caller Brandon recently filed for bankruptcy and wants to know how to rebuild credit. Todd shares his thoughts on using cash or getting a loan when it comes to making big purchases.

Todd Pietzsch from BECU joins us. Caller Todd wants to know how BJ is paying for Oh Sara's wedding. Caller Daniel has a 650ish credit score and had to get a new auto loan; wants to know if he should consolidate his credit cards with a personal loan. Texters want to know if BJ should rent a limo to drive Oh Sara's stuff down.

A texter wants to know the best way to use a credit card smartly. A texter wants to know what college fund is the best to start for their kid. A texter wants to know how much money the tooth fairy should give. 

Texters want advice regarding debt consolidation. A texter is getting a bonus and wants to know if they should pay of debt or put it into savings. A texter wants to know if you can build credit while in collections. A texter wants to know how to properly invest for their childs future. A texter wants to know how to build a savings when they spend all their money on bills. 

The gang discuss X-mas gifts. A texter sold their house and wants to know if they have to pay taxes twice on it. A texter is changing jobs and wants to know the difference between an employee stock exchange and 401k options. A texter wants to know the best way for their son who is 17 to save $10,000.

BJ and Steve have been buying too many gifts for people. A texter wants to know if they should invest in a 401K or a high yield savings account. A texter flips houses and wants to know the best way to invest money.

A texter wants to know if a business loan or card is better to start with. A texter thanks Todd for helping him get a better credit score. Texters want to know if Steve and Danny should get a Buoy jersey. A texter just bought a bar and wants to know how to save for retirement. 884 pub in Bremerton gets a shout out. Texter Chad wants help on putting a down payment on a house.

A texter wants to know the best way to save money for their kids. A texter wants to start a Roth-IRA and use money from a different account. BJ's net worth is fluctuating by the millions. A texter wants to know how to save for a down payment for a house.

A texter wants to know how to save money for their kids. Texters want to know if they should invest in a RothIRA. BJ wants to know the future of college debt and possible government help. A texter wants to know how to add their child as a user to their credit card.

A texter wants to know how to deal with debt from medical bills. BJ wants to know how to buy a house in this market. A texter wants to know if they should get a Costco membership. A texter has $40,000 and wants to know if they should put money into a money market.

Caller Denis has a construction loan and needs an additional 100k loan. Caller Fox wants to know what the most important step to buying a house is.

A texter is 30 and wants to know the best way to start saving for retirement. A texter wants to know the best way to get better credit with debt. BJ wants advice about retirement as the stock market has been having tough times. Steve bought summer furniture on sale. Caller Derek wants to know if he should consolidate his credit card debt with equity in his house. Caller Tonya is going to be getting $100,000 and wants to know how to properly invest it.

Todd Pietszch from BECU joins us! A texter wants to know if they should cash out their 401k to buy Russell Wilsons house. Texters want to know if it’s the right time to buy a house. A texter just got a $100,000 inheritance and wants to know how to invest it.

A texter wants to know if it’s a good idea to use their houses equity to buy more land. Todd shares his thoughts on increasing interest rates and inflation. A texter wants advice on handling his debt.

Todd gives us his advice on Tax Season. A texter wants to know how to raise his credit score into the 700. Caller Don is getting a divorce and needs advice on how to split the house. Texters want to know if they should prioritize their home debt or credit card debt. Todd gives advice about investing into 401k’s.

A texter wants to know if both he and his significant other can claim their mortgage on their taxes. Todd talks about purchases that you “want or need”. A married couple wants to know if they should filed jointly or individually. A texter needs help on a deferred comp. to help pay off their mortgage.

A texter wants to know if BECU has investor classes. BJ wants to know how to avoid awkward situations at the Holiday Dinner Table. Texters need advice about Roth IRA’s and 401k options. Todd talks about inflation advice. A texter wants to know if he should remove money from his 401k to pay medical bills.

Caller Todd was living on his credit cards and wants to know if he should take a loan out against them or pay them back. A texter wants to know how to invest a $10,000 inheritance they just got on either a house or credit card bills. BJ wants to know why we don’t have classes to teach kids how to manage money.

Todd Pietzsch from BECU joins us! Caller David is trying to buy a house and wants to know if he should liquidate his stocks to make a down payment. A couple was gifted $25,000 and want to know how to save for their kids future. A texter needs advice about cashing in a 401k to pay medical bills.

Todd Pietzsch from BECU joins us! Todd gives his advice on what kind of Kraken jersey to buy. A texter is applying for a home loan wants to know if he should pull out his retirement money to help with the credit score. A texter just received $40,000 and wants to know the best way to invest it over the next two years. A texter wants to know if installment loans effect your credit score differently than credit debt.

A texter wants to know how to spend an extra $20,000 after selling their house. A texter wants to know if they should get their mother to co-sign on a loan to save money. A texter gives Todd a shout out for lowering his car loan rate. A texter is a first time home buyer and needs advice on how to start the process.

Caller Nathan has some debt and wants to start a non-profit; he needs advice on how to reduce debt and stop wasting his money. Tood shares information about free Webinars to help people get long term care health insurance.

Todd Pietzsch from BECU joins us. Caller Casey wants to know if he should reinvest his extra saving money into something despite not having an emergency fund. Caller John is 56 and wants to know where he should invest his extra money; retirement or mortgage. Texters want to know if Todd is playing the lottery. Texters want to know if it's a good time to buy a condo. Texters want to know how much money they should to retire on.

Caller Steve wants to know where to invest his extra money each month. BJ wants more info about how to create passive income. Caller Matt wants to know how to rebuild his credit after bankruptcy. Caller Patrick wants to know if he can use his savings to help pay for a house.

A texter wants to know if he should wait to buy a house till before or after he's married. A texter has a similar question but regarding taxes on their house. Caller Dan wants to know if he should sell his house or pay it off then sell it. A texter wants to know if it was dumb to take a loan to pay off credit cards. A texter is in a bunch of debt because of Covid and wants to know what to do.

Texters want to know if he should invest in a short term CD. Texters want to know the best way to save. A texter wants to know if they have to send a stimulus check back if it's for a deceased family member. A texter wants to know the best way to help raise a friend's credit score. A texter wants to know if he needs a lawyer to file bankruptcy.

Todd Pietzsch from BECU join us. Caller Ron is looking to buy his wife a new car and wants to how to get the best rate. Caller Kevin is worried about his ex-wife having claim to his land. Todd once commented on a coworker's haircut. A texter needs advice on how to refinance his auto loan.

Todd Pietzsch from BECU joins us. Caller Travis wants to know how much to be putting into his Roth IRA. Caller Sara wants to buy an RV and needs advice on what loan to get. Caller Aaron works for the government and wants to know how to save for retirement.

Todd Pieztsch from BECU joins us! Todd gives advice about saving money during the Coronavirus. Danny V wants to know if you get offered a higher credit limit when you pay off a credit card. A texter wants to know if it's too late to buy a house. Texters want to know what to do with their 401k.

BECU is running an awesome donation program in which BECU members can vote for a non-profit to donate money to. Texters want to know if it's the right time to buy a new house or to refinance their current house. A texter wants to improve their credit and needs advice on how to raise it.

Caller Patrick wants to know what the first steps he needs to take to buy a house. Caller Ben wants to know if it's a good time to get into a new vehicle and work on his credit. Caller Will wants to know how long it takes to improve your credit score.

Caller Josh gives a shout out to BECU; hes been a BECU member for 26 years and wants to know if he should buy a house. Texters want to know how to spend their stimulus check. Texters want to know what a 401k loan is. A texter missed a credit payment and wants to know how to raise his credit score. Texters want to know if they should wipe their credit debt.

Caller Brad had a son turning 18 who has a bunch of money he's looking to invest somewhere. A texter is $26,000 is a debt and wants to know how to get rid of it. A texter owes $20,000 in student loans and wants to know how to proceed.

Todd Pietzsch from BECU joins us live in studio. Todd brought Steve a baby BECU onesie. Steve wants to get more information about a 529. A texter want to know if they should put money away for a raining day fund or paying off student loans. A texter wants to know how to raise their credit score after declaring bankruptcy. A texter wants to know what percent of their income they should put into their 401k. Caller Matt has a compensation loan and wants to know if he should pay it off.

Todd Pietzsch from BECU joins us live in studio. Steve needs advice on buying a Padres jersey. A texter wants to know the pros and cons of money market accounts. Caller Dina has switched jobs and wants to know what accounts she should be saving in. Caller Aaron is 21 and wants to know how to save for his future.