Podcasts about financial questions

In this episode, Ben Felix and Ben Wilson tackle a wide range of listener questions covering portfolio construction, home-country bias, currency exposure, ETF selection, retirement decumulation, leasing versus buying a car, discounted cash flow valuations, and the real work of portfolio management. Along the way, they revisit the Rational Reminder model portfolios, discuss how new products like CAGE have changed the DIY investing landscape, and explore whether Warren Buffett's long-term record still provides evidence that active management can outperform. The conversation also offers a behind-the-scenes look at PWL Capital's planning-centric approach to wealth management and why helping clients make better financial decisions often matters more than portfolio construction itself. Key Points From This Episode: (0:28) Why AMA episodes have become less frequent despite hundreds of listener questions waiting to be answered.  (2:07) Ben shares observations from PWL's growing institutional investment business and why low-cost, planning-focused institutional advice remains surprisingly rare.  (6:37) Revisiting the original Rational Reminder model portfolios and how newer products have simplified implementation.  (10:09) Should U.S. investors underweight the U.S. market relative to global market-cap weights?  (11:07) Research, home-country bias, and Ken French's arguments for overweighting domestic stocks.  (18:11) Asset-allocation ETFs in retirement: Is there any benefit to separating stocks and bonds during withdrawals?  (21:03) Leasing versus buying a vehicle, opportunity costs, depreciation, and convenience.  (26:13) Currency exposure, RRSPs, withholding taxes, and common misconceptions about USD-denominated ETFs.  (30:30) If Dimensional funds were unavailable, what would Ben choose instead?  (31:26) Are there any popular ETFs investors should avoid? A look at Canada's largest ETF holdings.  (38:28) Why discounted cash flow models often produce wildly different valuation estimates.  (41:47) What portfolio managers at PWL actually do when they are not trying to beat the market.  (45:57) Concentrated stock positions, client coaching, and helping investors make better long-term decisions.  (50:02) Why financial planning questions are often portfolio management questions—and vice versa.  (52:53) Helping clients navigate the transition from wealth accumulation to wealth preservation and spending.  (58:06) Revisiting Berkshire Hathaway's long-term performance versus broad-market index funds.  (1:02:35) The challenges of active management as assets under management grow larger.  (1:04:22) Aftershow: Ben reflects on his experience appearing on Diary of a CEO with Steven Bartlett. Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on YouTube — https://www.youtube.com/channel/ Benjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)  

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Human trafficking isn't a distant problem. It's happening in your community, in your schools, and even in financial systems. In this episode of A Penny or Two for Your Thoughts, hosts Chantel Windeshausen and Liz Malmberg sit down with two women doing the hard, daily work of stopping it before it starts. Stephanie Olson is the CEO and Founder of The Set Me Free Project, an Omaha-based nonprofit whose mission is to stop human trafficking before it starts through prevention education for every age, kindergarten through adult. Joining her is Mollie Champion, BSA Fraud Coordinator at Centris Federal Credit Union and a trained volunteer presenter with The Set Me Free Project, who breaks down how human trafficking intersects with financial crime, money laundering, and the red flags that credit unions and banks are trained to watch for. If you're a parent, an educator, a financial professional, or just someone who wants to know what to actually look for, this episode is for you. Learn more about Centris at centrisfcu.org and about The Set Me Free Project at setmefreeproject.net. – About A Penny or Two for Your Thoughts – When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success. This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or the Hurrdat Media YouTube channel!

Answers to Financial Questions A listener email (Thanks Karen!) prompts a lot of good questions about inflation, capitalism, banking, and financial literacy. While the powers that be would like to distract us with UFO's or viruses, people are concerned with being able to buy everyday necessities. Unfortunately, while almost everyone will say they want a better life, many are not willing to hear about anything other than trading their time for money. Since our listeners care about financial literacy, we discuss practical information that people can use to make their life a better place. Thank you to all the listeners that turn in great questions for us to cover on the radio! If you have questions you would like us to discuss, email them to info@realpowerfamily.com. Abolish Property Taxes in Ohio: www.AxOHTax.com  Get more information about abolishing all property taxes in Ohio. https://citizensforpropertytaxreform.org/ Our Links: www.RealPowerFamily.com Info@RealPowerFamily.com

Workplace mental health affects every team, every manager, and everyemployee — but most people still don't know what to say or where toturn. In this episode of A Penny or Two for Your Thoughts, hostsChantel Windeshausen and Liz Malmberg sit down with a panel ofexperts to talk openly about recognizing when a coworker is struggling,how to start that conversation, and the resources available to help.Joining the conversation are Molly Woodman, Director of CommunityEngagement at the Kim Foundation — a Nebraska nonprofit dedicated tosuicide prevention and mental health awareness — and Terry Coleman,Clinical Manager at Best Care Employee Assistance Program (EAP), whichprovides confidential counseling to hundreds of Omaha-area companiesand their employees. Centris Federal Credit Union's own Chrissy Cunningham (BenefitsAdministrator) and Robin Fredieu (Director of Learning & Development)share how Centris is equipping its people leaders with the trainingand tools to build a psychologically safe workplace. From warning signsmanagers should watch for, to why confidentiality in EAP counseling isironclad, to the simple power of asking "How are you?" — this episodedelivers practical, compassionate guidance anyone can use.If you or someone you know needs support, dial or text 988 (Suicide &Crisis Lifeline) or visit bestcare.org and kimfoundation.org for freeresources.– About A Penny or Two for Your Thoughts –When it comes to all things financial, there are often a lot ofquestions. Being two marketers and moms on a budget, we certainly haveall the questions. That's why we're bringing in the subject matterexperts to help educate us on all things financial and get theirthoughts to help improve our financial wellness and the financialwell-being of our communities. Join us for a few laughs, some greatinsights, and hopefully, a few tips you can take on your path tofinancial success.Visit us at our website: https://www.centrisfcu.org/a-penny-or...Listen to our Podcast on:Spotify: https://open.spotify.com/show/6Lf8gGY...Apple Podcasts: https://podcasts.apple.com/us/podcast...*Follow Centris on Social Media:*https://www.facebook.com/CentrisFCUhttps://www.instagram.com/centrisfcu/https://twitter.com/CentrisFCUhttps://www.linkedin.com/company/centris-federal-credit-union/This is another Hurrdat Media Production.Hurrdat Media is a podcast network and digital media production companybased in Omaha, NE. Find more podcasts on the Hurrdat Media Network bygoing to HurrdatMedia.com or the Hurrdat Media YouTube channel!

In this episode of the White Coat Investor Podcast, we answer a range of financial questions relevant to both new and experienced physicians. Topics include handling a parent's reverse mortgage, refinancing during residency, structuring compensation within an S-corporation, whether brokerage accounts belong inside an LLC, and evaluating a Vanguard variable annuity. We also recognize graduating physicians entering the next phase of their careers and discuss practical financial decisions that can have long-term implications. This episode focuses on thoughtful financial planning, avoiding unnecessary complexity, and understanding tradeoffs before making major decisions. Today's episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that's where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you're still in residency. And if you're already out of residency, SoFi's got you covered there too. For more information, go to https://www.whitecoatinvestor.com/Sofi SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor Podcast launched in January 2017, and since then, millions have downloaded it. Join your fellow physicians and other high income professionals and subscribe today! Host, Dr. Jim Dahle, is a practicing emergency physician and founder of The White Coat Investor blog. Like the blog, The White Coat Investor Podcast is dedicated to educating medical students, residents, physicians, dentists, and similar high-income professionals about personal finance and building wealth, so they can ultimately be their own financial advisor-or at least know enough to not get ripped off by a financial advisor. We tackle the hard topics like the best ways to pay off student loans, how to create your own personal financial plan, retirement planning, how to save money, investing in real estate, side hustles, and how everyone can be a millionaire by living WCI principles. Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  TikTok: https://www.tiktok.com/@thewhitecoatinvestor  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

In this episode of Experts Unleashed, I sit down with Chris Chen from insightfinancialstrategists.com to explore what financial planning actually looks like when life falls apart. We talk about why regular financial planning is about applying the rules — and divorce financial planning is about applying the exceptions, how Chris went from economics dreams and a tech career to building a fee-only advisory practice dedicated entirely to women navigating divorce, and why most women wish they had found him before the divorce even started. I also share insights on the three financial questions every divorcing woman must answer, why wanting to keep the house is often the worst financial decision, and what knowledge truly does for someone in the middle of an emotional maelstrom. Plus, we get into RSUs, stock options, the 401k exception almost no one knows about, and why we're not in the money business at all — we're in the people business.   

What does it really take to rebuild a life after prison? In this episode of A Penny or Two for Your Thoughts, hosts Chantel Windeshausen and Liz Malmberg sit down with Ivonne Yvonne Martinez, Financial Sales Manager at Centris' Ames branch in Omaha, and Shane Reilly, Program Director and Development Director of Never Give Up Transitional Living, to talk about recovery, reentry, second chances, and the role financial education can play in helping people move forward. Shane shares his powerful story of addiction, incarceration, recovery, education, and how he built a new path helping other men returning from prison. Ivonne Yvonne explains how Centris partners with Never Give Up to teach credit, savings, secured loans, and financial basics that help participants build confidence and stability. Together, they unpack why trust, accountability, community, and financial tools matter so much in the reentry process. The episode also highlights how Never Give Up Transitional Living supports men through structured recovery, housing, credit building, employment support, and skilled-trades training in Omaha. Never Give Up describes itself as an 84-day structured transitional housing program under the nonprofit Good Turn Labor, supporting formerly incarcerated individuals as they reintegrate into the community. Learn more about Centris at centrisfcu.org and more about Never Give Up at nevergiveupomaha.org. – About A Penny or Two for Your Thoughts – When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success. Visit us at our website: https://www.centrisfcu.org/a-penny-or... Listen to our Podcast on: Spotify: https://open.spotify.com/show/6Lf8gGY... Apple Podcasts: https://podcasts.apple.com/us/podcast... *Follow Centris on Social Media:* https://www.facebook.com/CentrisFCU https://www.instagram.com/centrisfcu/ https://twitter.com/CentrisFCU https://www.linkedin.com/company/centris-federal-credit-union/ This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!

Financial decisions often seem straightforward until the details start to matter. Are you making the right moves with taxes, savings, and long-term planning, or just following default choices without realizing the impact? In this episode, Iván Watanabe and Evan Wohl walk through real client questions in a rapid-fire format. They cover RSU taxation, retirement account choices, and how to think about future tax exposure. They also explore saving strategies, diversification, and how to evaluate major financial decisions. Throughout the conversation, they share practical ways to avoid common pitfalls and stay aligned with long-term goals. Key takeaways: Why RSU withholding often falls short and how that leads to unexpected tax bills at filing time How to think through Roth vs traditional contributions based on income growth and tax expectations The importance of saving at least 20 percent of gross income and tracking it consistently How concentration risk builds when compensation and investments rely on the same company Why financial decisions should align with cash flow, not just income or assumptions about affordability And more! Connect with Iván Watanabe: Opus Private Client, LLC  iwatanabe@opus-pc.com LinkedIn: Iván Watanabe YouTube: OPUS Private Client, LLC Connect with Evan Wohl: Opus Private Client, LLC  ewohl@opus-pc.com  LinkedIn: Evan Wohl YouTube: OPUS Private Client, LLC

What if the best career advice isn't “follow your passion,” but build your career capital instead?In this episode of A Penny or Two for Your Thoughts, hosts Chantel Windeshausen and Liz Malmberg sit down with Brittany Welch, senior learning and development specialist and career coach at Centris, and Alma Corrales, a vault teller at Centris who helps train new team members, to talk about what actually creates long-term growth at work.They break down how career capital is built through skills, experience, reputation, curiosity, and stretch opportunities. The conversation covers confidence, communication, public speaking, networking, mentorship, and the small “micro-deposits” that compound over time into bigger opportunities. Brittany also explains what it looks like to overspend your career capital, while Alma shares how asking questions, taking initiative, and saying yes to uncomfortable growth moments helped shape her path.If you've ever felt stuck, plateaued, or unsure what your next move should be, this episode offers a practical and honest way to think about career growth right now.Learn more at CentrisFCU.org or call 402-334-7000.– About A Penny or Two for Your Thoughts – When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success. Visit us at our website: https://www.centrisfcu.org/a-penny-or... Listen to our Podcast on: Spotify: https://open.spotify.com/show/6Lf8gGY... Apple Podcasts: https://podcasts.apple.com/us/podcast... *Follow Centris on Social Media:* https://www.facebook.com/CentrisFCU https://www.instagram.com/centrisfcu/ https://twitter.com/CentrisFCU https://www.linkedin.com/company/centris-federal-credit-union/ This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!#centrisfcu #careerdevelopment #careergrowth #professionaldevelopment

If you have questions related to the financial aspect of your divorce, you are going to love this episode! Financial Divorce Advocate and CDFA®, Sue Plisch lists some common questions people getting divorced have, and then offers her advice on each one. Our goal is to empower you financially!

ResourcesGet your FREE copy of Blended Family Finances (limited offer) by Brian K. PetersonTo connect with Brian, CLICK HERE (Endurance Financial Group / Blended Family Financial)Episode 233.Suggest a Topic or Ask a Question  Would you like us to discuss something specific or answer your question on the show?  Let us know!We've made it easy.  Just click here:  https://www.blendedfamilybreakthrough.com/shareReady for some extra support?We all need some extra support along the blending journey — we're here to help.  You can connect with us for a free coaching call to see how we might help you experience more clarity, confidence and connection in your home.  Schedule your free call here:  https://www.blendedfamilybreakthrough.com/free-callSubscribe or Follow the Show Are you subscribed or following the podcast yet?  If not, we want to encourage you do that today so you don't miss a single episode.  Click here to subscribe in Apple PodcastsClick here to follow on SpotifyLeave a Review in Apple PodcastsIf you're feeling extra helpful, we would be so grateful if you left us a review over on Apple Podcasts too. Your review will help others find our podcast — plus they're fun for us to read too! :-)  Just click here to Review, select “Ratings and Reviews” and then select “Write a Review” — let us know what your favorite part of the podcast is.  Thank you, we really appreciate your feedback!

How can something as simple as using your debit card make a real difference for local kids? In this episode of A Penny or Two for Your Thoughts, hosts Chantel Windeshausen and Liz Malmberg sit down with Diane Cruz, assistant vice president, retail financial services at Centris Federal Credit Union, and Jane Phillips, director of development at Children's Nebraska Foundation to talk about Credit Unions for Kids, benefiting Children's Miracle Network, and how Centris members can help support children and families right here in Nebraska. They discuss how local fundraising supports programs like child life services, pet therapy, the Rainbow House, and new hospital innovation projects. They also share the story of Ryker, a Children's Miracle Network Champion, and explain why community giving through credit unions creates such a powerful local impact. Learn more about Centris at centrisfcu.org or connect with Children's Nebraska Foundation at https://www.childrensnebraska.org/give to support their mission. Centris Federal Credit Union serves communities across Nebraska and helps members improve their financial wellness while investing in causes that matter locally. – About A Penny or Two for Your Thoughts – When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success. Visit us at our website: https://www.centrisfcu.org/a-penny-or... Listen to our Podcast on: Spotify: https://open.spotify.com/show/6Lf8gGY... Apple Podcasts: https://podcasts.apple.com/us/podcast... *Follow Centris on Social Media:* https://www.facebook.com/CentrisFCU https://www.instagram.com/centrisfcu/ https://twitter.com/CentrisFCU https://www.linkedin.com/company/centris-federal-credit-union/ This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!

How much should you have in an emergency fund? And why? How do you make a personal budget that works for you? Is life insurance important? When am I ready to buy a house? Today, Paul and Evan cover these questions and more to help anyone who wants to know where they stand become more confident about money and investing.    Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.

In this episode of Ditch the Suits, we tackle some of the biggest financial questions people face and why the “right” answers aren't as universal as we've been led to believe. Instead of rigid rules or industry clichés, this episode focuses on how real people can think more clearly about their money and make better long-term decisions.We break down common assumptions about being “ready” for retirement, when to invest versus buy a home, and how fear and uncertainty often drive financial choices more than facts. If you're feeling stuck, overwhelmed, or unsure which move comes next, this episode will help you reframe the questions and move forward with more confidence and clarity.

Two moms, two marketers, and a topic that affects your career before you even say hello. In this episode of A Penny or Two for Your Thoughts, Chantel Windeshausen and Liz Malmberg talk personal branding and what it really means beyond clothes.They're joined by former Centris teammate Katie Braga, now a personal stylist and certified color consultant, to unpack how your presence, body language, consistency, and even what you wear can shape trust, credibility, and opportunity. You'll get practical ways to define how you want to be perceived, show up stronger on Zoom, and build confidence that feels authentic instead of forced.00:00 A Penny or Two for Your Thoughts kicks off: “man colds,” moms, and real-life chaos04:03 Meet Katie Braga: former Centris teammate turned personal stylist + color consultant10:43 What is personal branding? How you're perceived at work (beyond outfits)12:45 Misconceptions about personal brand: it's not just for executives14:18 Confidence before you speak: body language, presence, and credibility cues15:26 Imposter syndrome + standing out: stop shrinking to “fit in”20:43 Personal brand on Zoom: camera-on trust, communication, and virtual presence28:24 Leadership + growth: clarity builds trust, trust creates opportunity (key takeaway + shoutout)– About A Penny or Two for Your Thoughts – When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success. Visit us at our website: https://www.centrisfcu.org/a-penny-or... Listen to our Podcast on:Spotify: https://open.spotify.com/show/6Lf8gGY... Apple Podcasts: https://podcasts.apple.com/us/podcast... *Follow Centris on Social Media:*https://www.facebook.com/CentrisFCU https://www.instagram.com/centrisfcu/ https://twitter.com/CentrisFCU https://www.linkedin.com/company/centris-federal-credit-union/ This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!

As the year gets underway, we're answering the seven financial questions people ask us most, covering investing, retirement, taxes, Roth strategies, and Social Security. These are the same questions that come up in almost every planning meeting, regardless of where you are in your financial journey. In this episode of Wise Money, we'll walk through how to think about each one and why the answers are rarely one-size-fits-all.  Season 11, Episode 21 Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/    Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/contact-korhorn-financial-advisors/ or call 574-247-5898.   Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://pod.link/1040619718  Watch this episode on YouTube: https://youtu.be/VADM-TzZ6aw  Submit a question for the show: https://www.korhorn.com/ask-a-question/   Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/    Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow  Instagram - https://www.instagram.com/wisemoneyshow/    Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

Confused by your financial benefits? You could be leaving money on the table. Discover how to confidently manage 401(k)s, HSAs, FSAs, and employer matching as SHRM's Brittany Fallon and Sherry Martel break down the essentials. Find out how to leverage life events, avoid costly mistakes, and make the most of your financial opportunities at work.  Resources from this Week's Episode - Designing and Administering Defined Contribution Retirement Plans   Subscribe to the All Things Work newsletter to get the latest episodes, expert insights, and additional resources delivered straight to your inbox: https://shrm.co/fg444d    ---  Explore SHRM's all-new flagships. Content curated by experts. Created for you weekly. Each content journey features engaging podcasts, video, articles, and groundbreaking newsletters tailored to meet your unique needs in your organization and career. Learn More: https://shrm.co/coy63r 

2025 has been a year of significant highs and lows, a bittersweet time marked by personal loss but also tremendous growth in our community of listeners and clients. As we wrap up the year, I wanted to take a moment to reflect and, more importantly, to give back by answering the most pressing questions on your minds. In this episode, I'm tackling the top 10 most asked financial questions I received in 2025 from both clients and listeners. From the future solvency of Social Security and the reality of rising inflation to the specifics of Bitcoin and long-term care, we are covering the topics that directly impact your retirement confidence. I also share a special thank you gift to you my listeners: a significant discount on my Retirement Readiness Review course to help you kickstart your 2026 planning. Whether you are wondering if you should pay off your mortgage or how to find a truly objective financial advisor, this episode provides the clear, direct answers you need to navigate your financial future.  You will want to hear this episode if you are interested in... [00:00] Will Social Security be there for you when I retire? [06:04] How to handle rising inflation in retirement. [12:34] Should you be investing in Bitcoin in 2026? [17:37] The pros and cons of paying off your mortgage early. [21:51] Getting your children started with investing and saving. [26:01] Protecting your investments during a market downturn.  Social Security Solvency: Should You Worry? One of the biggest fears retirees face is the potential expiration of Social Security. The most recent trustees' report projects that benefits can be paid at 100% until roughly 2033. If no changes are made by then, benefits could be reduced by approximately 20%. However, history suggests that Congress will act to prevent such a drastic cut, especially given how heavily the average American relies on this income. We also saw recent changes with the "Social Security Fairness Act" passed just before President Biden left office, which restored benefits for many teachers and state employees previously affected by reductions. While this adds strain to the system, it highlights the political will to support retirees. Inflation and Investment Strategy Inflation has been a persistent concern since the post-COVID stimulus era. For retirees on a fixed income, combating this is difficult because pensions and Social Security cost-of-living adjustments are automatic and out of your control. The single best hedge against inflation is your investment portfolio. Historically, stocks are the only asset class that has significantly outpaced inflation over time. While this comes with volatility, maintaining an exposure to equities (often 50–70% for many retirees) is often necessary to ensure your purchasing power lasts as long as you do. The "Retirement Number" Formula Forget the arbitrary goal of saving "$1 million" or "$2 million." Retirement planning is about paycheck replacement. To find your number: Calculate Expenses: Determine your monthly spending needs in retirement. Subtract Fixed Income: Deduct your expected Social Security and pension income from that expense number. Determine the Gap: The remaining amount must come from your portfolio (401k, IRA, brokerage). Apply the Withdrawal Rate: Using a conservative 4% withdrawal rate, determine if your savings can cover that gap. Don't forget to account for taxes! You can use online calculators or work with a CPA to estimate your after-tax income. Specific Asset Questions: Bitcoin and Mortgages Bitcoin: Despite its popularity, Bitcoin remains a highly speculative asset. In 2025, while the stock market saw gains of 15-18%, Bitcoin was down significantly, highlighting its volatility. For most retirees, the risks outweigh the benefits when a standard diversified portfolio can already meet your income needs. Mortgage Payoff: Emotional peace of mind often conflicts with financial math. If you have a low interest rate (e.g., 3%), rushing to pay off that "cheap money" rarely makes sense when you could earn 5% or more on your investments. Furthermore, taking a large lump sum from an IRA to pay off a house could trigger a massive tax bill and even IRMAA surcharges on your Medicare premiums. Tax Planning: Roth Conversions and New Legislation With the passing of the "One Big Beautiful Tax Act" in 2025, we have new opportunities for tax planning. Roth Conversions: If you expect your future tax rate to be higher than your current rate, converting traditional IRA funds to Roth can save you money long-term. New Deductions: The new legislation allows for a higher SALT (State and Local Tax) deduction cap of $40,000 until 2030, which is a huge benefit for those in high-tax states like Connecticut. This might create a unique window over the next few years to perform conversions more tax-efficiently. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Fidelity Investments Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

In this engaging episode of the Uncommon Wealth Podcast, Phillip Ramsey tackles the top five financial questions people are Googling today. His aim is to provide a deeper understanding of essential financial concepts that arecrucial for anyone looking to improve their financial literacy. Whether you're curious about writing checks or preparing for retirement, this episode has something for everyone.Phillip breaks down frequently searched financial queries, offering listeners easy-to-digest insights into writing checks, budgeting, understanding credit scores, saving for retirement, and investing in stocks. He underscores the importance of staying informed and learning practical strategies that can help manage personal finances effectively. As Phillip shares his knowledge, he provides listeners with the tools to empower themselves financially in an increasingly complex economic landscape.

As the year winds down, we're taking a moment to answer some of the listener questions we've received over the past few months. One listener asks about taking on a mortgage heading into retirement, another wonders whether rolling multiple 401(k)s into one IRA hurts diversification, and a third is concerned about minimizing taxes when leaving money to their kids. Mike and Philip break down these timely questions and share thoughtful planning insights to help listeners finish the year strong.   Show Links & Info: SPC Investing: http://spcinvesting.com/   Schedule A Visit: https://talkstomike.com/

As the year winds down, we're taking a moment to answer some of the listener questions we've received over the past few months. One listener asks how they can give meaningful monetary gifts to their kids or grandkids while staying within gift tax rules. Another listener wonders whether keeping a large sum of cash in the bank- like $150,000- is really necessary, or if that money could be working harder for them elsewhere.   Show Links & Info: SPC Investing: http://spcinvesting.com/   Schedule A Visit: https://talkstomike.com/

This Giving Tuesday episode brings together seven incredible organizations making a real difference in the Omaha community. Hosts Chantel Windeshausen and Liz Malmberg, along with Centris Vice President of Community Relations, Dawn Gonzalez, sit down with five of the seven 2025 Centris Community Impact Grant winners to discuss their missions and the lives they're changing.Hear from Emily Moser of Ronald McDonald House Charities about providing a home-away-from-home for families with critically ill children. Representatives from Project Harmony's Connections program, Kodjovi and Joanna, discuss bringing school-based mental health therapy and expressive arts groups to Omaha-area students. Amy Krause and Leigh Sitenauer from Bags of Fun share how they deliver joy to kids battling serious illnesses. Melissa Nelson of Neighborgood explains how their market-choice pantry fights food insecurity in Sarpy County. And, Melissa Glenn from the Builder Foundation discusses training the next generation of construction trade specialists.Plus, hear about the homes Habitat for Humanity North Platte and Volunteers Assisting — two additional grant recipients unable to join but making equally important impacts.Bags of Fun Omaha: https://bagsoffunomaha.org/ The Builder Foundation: https://builderfoundation.org/ NeighborGood: https://neighborgoodpantry.org/ North Platte Area Habitat for Humanity: https://www.nphabitat.org/ Project Harmony Child Advocacy Center: https://projectharmony.com/ Ronald McDonald House Charities Omaha: https://rmhcomaha.org/ Volunteers Assisting Seniors (VAS): https://vas-nebraska.org/– About A Penny or Two for Your Thoughts –When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success.Visit us at our website: https://www.centrisfcu.org/a-penny-or...Listen to our Podcast on:Spotify: https://open.spotify.com/show/6Lf8gGY...Apple Podcasts: https://podcasts.apple.com/us/podcast...*Follow Centris on Social Media:*https://www.facebook.com/CentrisFCUhttps://www.instagram.com/centrisfcu/https://twitter.com/CentrisFCUhttps://www.linkedin.com/company/centris-federal-credit-union/This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!

On this episode of A Penny or Two for Your Thoughts, hosts Chantel Windeshausen and Liz Malmberg sit down with fraud experts Ashley “Ash” Goodsell (Senior BSA Fraud Investigator at Centris), Michelle Vybiral (Assistant Vice President of Strategic Risk Management at Centris), and Deputy Michael P. Dechellis from the Douglas County Sheriff's Office to tackle the scams hitting families hardest in 2025. From sextortion targeting teens with AI-manipulated images, to tech-support “refund” hoaxes draining thousands from seniors, to Nebraska's new LB 609 crypto ATM law that could help victims get back stolen funds, this episode gives you practical tools to spot red flags and protect the people you love. With clear tips, emotional real-world stories, and insider expertise, you'll walk away ready to shut down scammers and keep you and your money safe.– About A Penny or Two for Your Thoughts –When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success.Visit us at our website: https://www.centrisfcu.org/a-penny-or...Listen to our Podcast on:Spotify: https://open.spotify.com/show/6Lf8gGY...Apple Podcasts: https://podcasts.apple.com/us/podcast...*Follow Centris on Social Media:*https://www.facebook.com/CentrisFCUhttps://www.instagram.com/centrisfcu/https://twitter.com/CentrisFCUhttps://www.linkedin.com/company/centris-federal-credit-union/This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!

Nationally syndicated financial columnist and author Terry Savage joins Lisa Dent to discuss all things financial. She talks gold, crypto, and as always, answers questions from listeners.

Taylor Swift and Travis Kelce's engagement may have “broken the internet,” but hosts Chantel Windeshausen and Liz Malmberg are here to bust an even bigger set of myths: your credit score. In this episode of A Penny or Two for Your Thoughts (produced by Centris Federal Credit Union and Hurrdat Media), Chantel and Liz welcome Centris AVP and longtime credit expert Ron VanSkiver for a playful yet practical “Mythbusters” spin on all things credit. From whether checking your score will hurt it, to why closing a card can backfire, to how one $25 subscription mistake dropped a score 100 points, the conversation mixes humor, family stories, and real-world money lessons you can use right now.00:00 Cold open — producer Rico, tequila jokes & pre-show banter00:25 APOTFYT intro — hosts Chantel Windeshausen & Liz Malmberg00:52 Taylor Swift & Travis Kelce engagement “breaks the internet”02:09 Back-to-school life: five-year-old fatigue & senior-year feels 05:05 Credit Score “Mythbusters” — today's game plan05:30 Guest intro: Centris AVP Ron Van Schuyver (39 years in finance)06:27 Fun fact & branch leadership; agribusiness degree06:55 Welcome Ron — virtual setup & vibes08:06 What is credit? Why it matters for cars, homes & rates09:46 How credit scores impact approvals and interest rates10:56 Why credit myths persist & what lenders actually look for11:22 Myth #1: Does checking your own credit score lower it? (soft pulls)13:39 Myth #2: Should you carry a balance to build credit? (30% utilization)15:49 Adulting & the “free pizza” credit-card cautionary tale16:34 Myth #3: Will closing a credit card hurt your score? (utilization & age)18:41 Myth #4: Does your income affect your credit score?20:19 Myth #5: Can you fix bad credit overnight? (HELOC/restructure tips)22:49 Myth #6: Do paid-off loans vanish from your report? (7 vs 10 years)24:00 Myth #7: Is there only one true credit score? (models vary)24:28 How lenders choose which bureau/model to use26:05 Myth #8: Do debit cards build credit?26:53 Myth #9: Can one late payment tank your score? ($25 subscription story)29:30 Myth #10: Is all debt bad? (using “good debt” to build a life)31:01 Myth #11: Is there a credit blacklist? (how decisions are made)32:31 Myth #12: Can you control your credit score? (influence vs control)33:25 Myth #13: Will your score drop when you pay something off?34:40 Myth #14: Do hard pulls wreck your score? (~5 points & timing)37:22 Takeaway — Ron's credit playbook: moderation & smart borrowing39:07 Shout-outs, socials & subscribe40:29 Book an appointment with Centris FCU & outro– About A Penny or Two for Your Thoughts –When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success.Visit us at our website: https://www.centrisfcu.org/a-penny-or...Listen to our Podcast on:Spotify: https://open.spotify.com/show/6Lf8gGY...Apple Podcasts: https://podcasts.apple.com/us/podcast...*Follow Centris on Social Media:*https://www.facebook.com/CentrisFCUhttps://www.instagram.com/centrisfcu/https://twitter.com/CentrisFCUhttps://www.linkedin.com/company/centris-federal-credit-union/This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!

Links & ResourcesFollow us on social media for updates: ⁠⁠Instagram⁠⁠ | ⁠⁠YouTube⁠⁠Check out our recommended tool: ⁠⁠Prop Stream⁠⁠Thank you for listening!

Home Health Revealed went on the road! During the Alliance conference, we grabbed the mics, hit “record,” and brought the conversations straight to you—uncut, unscripted, and right from the heart of the action. From leadership lessons to real-world strategies, you'll hear the voices shaping the future of home health.  We had good coffee from Dollop and Blue Bottle, deep dish pizza from Lou Maltnati's (and a nap!), settled in for conversations that are both inspiring and practical.  We kicked off our first episode of the series with Michael Greenlee (HealthRev) and Sara Nigro (BetterRX). After a fun opener covering Chicago eats, coffee favorites, and a little banter with Hannah Vale, they sit down with Kristina Senna of Faith Home Health in Kansas City. Kristina shares her perspective on leading with faith and resilience in the home health space.    Chapters (00:00:02) - Home Health Reveal(00:02:05) - A Guest Podcaster at Alliance Conference(00:02:26) - Financial Questions for Home Health and Hospice(00:03:09) - Home Health and Hospice Agency Cash Flow(00:03:39) - If You Could Fix Home Health, What Would It Be?(00:04:21) - Best Hidden Tips for Improving Your Agency's Bottom Line(00:05:31) - Louis Vuitton on Michigan Avenue

Nationally syndicated financial columnist and author Terry Savage joins John Williams to answer all of your financial questions.

Dr Boyce does a q&a on wealth and income

Send us a textIn Part 2 of this powerful Eric on Money series, Eric McLoyd breaks down the essentials of stock market investing for everyday people ready to build wealth on their own terms. Whether you're a beginner or still sitting on the sidelines, this is your practical guide to becoming a shareholder — aka owning your first company.Eric shares real talk about risk tolerance, investment styles (passive vs. active), and how to set your goals so they actually align with your life. He demystifies value vs. growth stocks, shows you how to diversify like the pros, and introduces you to ETFs, index funds, and the industries that fuel the market.With his signature blend of streetwise wisdom and financial expertise, Eric helps you overcome fear, ditch financial imposter syndrome, and take your first real step toward ownership.This episode is especially for:First-gen investorsThose recovering from financial guilt or self-doubtProfessionals looking to turn insight into income

In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, sits down with PAX Financial Advisor Haley Wall for a heartfelt discussion on the emotional and financial challenges faced by widows. Drawing from real-life experiences and her work as a certified Loss of Life Advocate, Haley explains how widows can regain clarity and make informed financial decisions after a loss. From navigating life insurance and estate documents to avoiding predatory scams and understanding Social Security's widow blackout period, this episode offers practical guidance and emotional insight. Key highlights include: The first financial step every widow should take - pause. Why widows are often targeted by scammers and opportunists. The importance of updating wills, beneficiaries, and medical directives. How the widow's Social Security blackout period works - and how to prepare. The emotional weight of stewardship and honoring a spouse's legacy. Available community resources, including grief counseling and support groups. Whether you're navigating widowhood yourself or supporting someone who is, this episode offers both compassion and direction. For more support, visit PAXFinancialGroup.com or contact Haley directly at Haley@PAXFG.com.

In this episode of A Penny Or Two For Your Thoughts, hosts Chantel Windeshausen and Liz Malmberg are joined by returning guest Andy Manthei of GreenPath and Centris' own James Moon to unpack the emotional and financial reality of repossession, bankruptcy, and recovery. From understanding the warning signs of financial hardship to what happens when your car is repossessed, this candid conversation blends humor, empathy, and hard-won wisdom. Whether you're struggling with debt or simply want to feel more confident about your finances, this episode delivers practical steps, emotional support, and that all-important reminder: you're not alone!If you have any questions for our subject matter experts, send them our way to pennyforyourthoughts@centrisfcu.org.– About A Penny or Two for Your Thoughts –When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success.If you have any questions you would like us to ask our Subject Matter Experts, send them our way to apennyforyourthoughts@centrisfcu.orgFollow Centris on Social!Facebook | Instagram | Twitter | LinkedInThis is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!

In this inspiring episode of A Penny Or Two For Your Thoughts, hosts Chantel Windeshausen and Liz Malmberg sit down with Brittany Welch and Jimmy Chavez for a powerful conversation on career pivots, personal growth, and finding purpose in the workplace. From overcoming imposter syndrome to saying “yes” to unexpected opportunities, Brittany shares how she built a successful career at Centris Federal Credit Union without following a traditional path. Meanwhile, Jimmy opens up about his journey from military life to financial services—and why he's now returning to school to pursue a degree in HR. If you're feeling stuck, curious, or ready for change, this episode offers real advice and inspiration you won't want to miss.If you have any questions you would like us to ask our Subject Matter Experts, send them our way to apennyforyourthoughts@centrisfcu.orgFollow Centris on Social!Facebook | Instagram | Twitter | LinkedInThis is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!

Are you working relief shifts as a self-employed vet—or thinking about it? In this Q&A episode, I answer some of the most common questions that came up when I recently asked the Debt-Free Vets Facebook group: “Self-employed relief vets—what financial questions do you have?” From choosing the right business structure to navigating taxes, retirement savings, and health insurance, we cover the essentials (and the often-overlooked details) that can make or break your financial confidence as a relief vet.Key topics:Do you need an LLC or PLLC to do relief work?Why getting an EIN can protect your privacyHow to separate business and personal finances (and why it matters)Pros and cons of a Solo 401(k) vs. SEP IRANavigating quarterly taxesCommon tax write-offs for relief vetsMentioned in this episode:Contact Meredith: meredith@allvetfinancial.comDebt-Free Vets Facebook GroupEpisode 59: Perfectionist Traps That Are Costing You MoneyLike the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple Podcasts

Nationally syndicated financial columnist and author Terry Savage joins John Williams to talk about long-term care insurance and what you need to know, what she thinks of President Trump’s plan to give newborns $1,000, and to answer all of your financial questions.

Links & ResourcesFollow us on social media for updates: ⁠Instagram⁠ | ⁠YouTube⁠Check out our recommended tool: ⁠Prop Stream⁠Thank you for tuning in! If you enjoyed this episode, please rate, follow, and review our podcast. Don't forget to share it with friends who might find it valuable. Stay connected for more insights in our next episode!

In this episode of A Penny or Two for Your Thoughts, hosts Chantel Windeshausen and Liz Malmberg sit down with Dr. Jennifer A. Davidson—Associate Professor of Practice in Economics at the University of Nebraska–Lincoln and President of the Nebraska Council on Economic Education—to unpack the current economic landscape. Dr. Davidson describes the 2025 economy as “depressing,” citing declining GDP, volatile markets, and wavering consumer confidence. Despite the gloom, she offers practical advice on budgeting, saving, and maintaining mental wellness during uncertain times. From grocery hacks and subscription cuts to the “barbell approach” of balancing optimism with preparation, this episode delivers actionable insights for anyone navigating financial stress. When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success. Visit us at our website: https://www.centrisfcu.org/a-penny-or... Listen to our Podcast on: Spotify: https://open.spotify.com/show/6Lf8gGY... Apple Podcasts: https://podcasts.apple.com/us/podcast... You can listen to the "Econ is Life" podcast on the following platforms: Apple Podcasts: https://podcasts.apple.com/us/podcast/econ-is-life/id1790066490 Spotify: https://open.spotify.com/show/5toHYz2k2fAC1ebEAvGpfd Buzzsprout: https://www.buzzsprout.com/2440742/episodes If you have any questions you would like us to ask our Subject Matter Experts, send them our way to apennyforyourthoughts@centrisfcu.orgFollow Centris on Social!Facebook | Instagram | Twitter | LinkedInThis is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!

On this week's Money Matters, Scott and Pat break down April's market shifts, explaining how volatility impacted portfolios and why long-term strategies were crucial. Plus, they explore how investors can align their financial decisions with their personal values. Finally, Scott and Pat answer listener questions, covering topics like optimizing life insurance and strategies for converting retirement accounts to Roth IRAs. Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.  

Glenn Wiggle of 'The Financial Guys' joins the show to answer your financial questions in regard to the Trump tariffs. Whether it has to do with the markets or your personal investments, Glenn takes your call on everything pertaining to the Trump tariffs.

Join hosts Chantel Windeshausen and Liz Malmberg for a powerful new episode of A Penny or Two for Your Thoughts, where they welcome Deb Denbeck, President and CEO of Partnership for Kids, and Dawn Gonzales, Vice President of Community Relations at Centris Federal Credit Union. Together, they explore how financial literacy programs, such as Mad City Money, are transforming young lives and equipping students with lifelong financial skills through hands-on education and mentorship. The conversation covers everything from teaching budgeting and savings to students as young as sixth grade, to success stories of program graduates who have become doctors, lawyers, and community leaders. The episode also introduces Centris's new Financial Education Center, Enrich — an interactive, personalized tool to support financial wellness for all ages. If you're passionate about empowering youth through education, this is an episode you don't want to miss.If you have any questions you would like us to ask our Subject Matter Experts, send them our way to apennyforyourthoughts@centrisfcu.orgFollow Centris on Social!Facebook | Instagram | Twitter | LinkedInThis is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!

In this episode of A Penny or Two for Your Thoughts (S3 E12), we dive into financial wellness, money management, and the power of empathy in finance with Andy Manthei, Change Cultivator at GreenPath Financial Wellness, and Brittany Piernicki, Learning and Development Specialist at Centris Federal Credit Union. We discuss why financial stress impacts mental and emotional well-being, how small steps can create long-term financial stability, and why empathy is crucial when helping others with money matters. Plus, we explore practical tools like Centris' Round-Up feature, savings strategies, and resources available to anyone looking to improve their financial future. Whether you're struggling with debt, looking to build savings, or simply want to feel more financially secure, this episode is packed with expert insights and actionable advice.If you have any questions you would like us to ask our Subject Matter Experts, send them our way to apennyforyourthoughts@centrisfcu.orgFollow Centris on Social!Facebook | Instagram | Twitter | LinkedInThis is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!

In this exciting episode of A Penny or Two for Your Thoughts, join hosts Chantel and Liz as they dive into the world of RVs and camping with two special guests: Clint Ingalls, Finance Manager at Leach Campers, and Rick Seaman, Vice President of Indirect Lending at Centris. Discover the ins and outs of financing your dream camper, learn about the upcoming Omaha Boat, Sports, and Travel Show, and get insider tips on what to consider when purchasing an RV. Clint shares his memorable experience on Wheel of Fortune, while Rick discusses the unique partnership between Centris and Leach Campers. Whether you're a seasoned camper or a first-time buyer, this episode is packed with valuable insights and a few laughs along the way!If you have any questions you would like us to ask our Subject Matter Experts, send them our way to apennyforyourthoughts@centrisfcu.orgFollow Centris on Social!Facebook | Instagram | Twitter | LinkedInThis is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!00:00 Welcome Back To A Penny Or Two For Your Thoughts!02:07 Introducing Special Guests: Clint Ingalls and Rick Seaman 03:55 Clint Ingalls' 'Wheel of Fortune' Experience 09:10 Previewing the 2025 Omaha Boat, Sports & Travel Show 14:28 Navigating RV Financing with Centris Federal Credit Union 19:16 Avoiding Common Mistakes When Purchasing a Camper/RV 20:52 Exploring Flexible Camper Financing Terms 21:19 Addressing Camper Maintenance and Service Concerns 21:31 Benefits of Mobile Mechanic Services for RV Owners 22:28 Discovering Luxury Features in Modern Campers 22:53 Part-Time vs. Full-Time RV Living: What You Need to Know 23:09 Selecting the Perfect Camper for Your Needs 24:33 Integrating E-Bikes and Maximizing Camper Storage 25:11 Highlights and Attractions at the Omaha RV Show 26:09 Understanding Different Classes of Drivable RVs 26:39 Vehicle Requirements for Towing Different Camper Types 28:20 Mastering the Art of Backing Up Your Camper 30:02 Latest Innovations in the 2025 RV Models 36:54 Exclusive Discounts and Offers at the RV Show 39:25 Conclusion and How to Contact the Experts

Send us a textWhat are the most Googled financial questions in America? In this episode of the Smarter Vet Financial Podcast, hosts Tom Seeko and CJ Burnett break down the top-searched money topics by state—revealing trends in student loans, mortgages, car loans, and retirement planning. They analyze what these searches say about financial habits, debt culture, and the growing need for financial literacy. Don't miss this eye-opening discussion that could change the way you think about money.Discover our book “Unleashed: The Financial Clarity Every Veterinarian Needs” Buy Now:  Book - Unleashed | Florida Veterinary AdvisorsExtra resources galore!Listen to more episodes: https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessmentTest My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channelsFacebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

In this episode, Emily interviews Gauri Patel, a first-year grad student in biomedical engineering at the University of Texas at Austin. Gauri is on an F-1 visa, but she has lived in the US for over 10 years. The financial questions Gauri has encountered are different from those typically asked by both US citizens and new international students. Gauri and Emily discuss bank accounts, retirement accounts, tax reporting, and the cost of immigrating to the US.

A Look Back at 2024 Description: Chantel, Liz and Kahm sit down and chat about all of the great podcast episodes and insights gathered from this past year. From their discussions around mortgages, insurance, and cybersecurity to the Centris Grant program and budgeting, they covered a lot in this past year. Not to mention, won an award in education for their podcast.If you have any questions you would like us to ask our Subject Matter Experts, send them our way to apennyforyourthoughts@centrisfcu.orgFollow Centris on Social!Facebook | Instagram | Twitter | LinkedInThis is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!

Dr. Boyce Watkins is a Finance PhD and founder of The Black Business School, dedicated to teaching wealth-building strategies tailored to the Black community. Known for his book *The 10 Commandments of Black Economic Power*, Dr. Watkins has helped millions through his engaging courses and practical guidance on investing and building generational wealth. He also hosts two popular podcasts, Dr. Boyce Daily and The Dr. Boyce Breakdown, where he dives into finance and social issues affecting Black communities. To learn more, visit [BoyceWatkins.com](http://boycewatkins.com), and to get his free AI stock picks, text "Stock" to 87948.

Send us a textAs teachers, we often say, "there is no such thing as a dumb question"...unfortunately, many Americans are struggling financially and don't ask for help.  In this episode, we look at some of the basic questions Americans don't ask but should. 

Disclaimer: We are not professionals. This podcast is opinioned based and from life experience. This is for entertainment purposes only. Opinions helped by our guests may not reflect our own. But we love a good conversation.Become a supporter of this podcast: https://www.spreaker.com/podcast/2-be-better--5828421/support.

With Valentine's Day coming up tomorrow, it's a good opportunity to give couples advice on how to avoid one of the most common things we fight over - money differences. Also today - Assumable mortgages allow qualifiers to potentially buy a house with one of the great rates that existed over the past few years. There's a new site to help you find those homes for sale.  Couples & Money: Segment 1 Ask Clark: Segment 2 Assumable Mortgage Resource: Segment 3 Ask Clark: Segment 4 Mentioned on the show: NYTimes.com: Financial Questions to Discuss Before Moving In With Your Partner New Love for Older Adults: Don't Make the Same Financial Mistakes 42% of Adults Have Committed Financial Infidelity. Have You? 10 Steps for Having Better Money Conversations With Your Spouse What is an LLC? Limited Liability Company Structure and Benefits Defined What Is Umbrella Insurance and Do You Need It? Best 529 College Savings Plans By State Rollovers From a 529 Plan to Roth IRA: What to Know Assumable Mortgage: What It Is, How It Works, Types, Pros and Cons A back door to a 3% mortgage rate? This startup has a plan to unlock housing market affordability  What's Clark's Opinion on the Greenlight Prepaid Debit Card for Kids? Cruises - Clark.com / Costco Travel: 5 Things To Know Before You Book Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices