Wallet Wisdom Castos https://www.wallet-wisdom.castos.com Welcome to the Wallet Wisdom podcast, presented by Lake Michigan Credit Union. Wallet Wisdom helps breakdown the in's & out's of financial aspects to bring answers to some of banking's more confusing and complex questions. At LMCU, our members trust us with their homes, earnings, and financial wellness. We take that trust very seriously. Wallet Wisdom is our way of helping our listeners better understand the financial world and how it relates to you. Sat, 28 Mar 2026 16:00:00 +0000 en Copyright 2025 Lake Michigan Credit Union US https://episodes.castos.com/64befa501537d5-65335944/images/f50f165b889959a5d43c38a1e4c3c7a9-1690821298-1400x1400-14445144.jpg Wallet Wisdom https://www.wallet-wisdom.castos.com Welcome to the Wallet Wisdom podcast, presented by Lake Michigan Credit Union. Wallet Wisdom helps breakdown the in's & out's of financial aspects to bring answers to some of banking's more confusing and complex questions. At LMCU, our members trust us with their homes, earnings, and financial wellness. We take that trust very seriously. Wallet Wisdom is our way of helping our listeners better understand the financial world and how it relates to you. Lake Michigan Credit Union episodic Welcome to the Wallet Wisdom podcast, presented by Lake Michigan Credit Union. Wallet Wisdom helps breakdown the in's & out's of financial aspects to bring answers to some of banking's more confusing and complex questions. At LMCU, our members trust us with their homes, earnings, and financial wellness. We take that trust very seriously. Wallet Wisdom is our way of helping our listeners better understand the financial world and how it relates to you. studio33@lmcu.org (Lake Michigan Credit Union) studio33@lmcu.org false https://feeds.castos.com/qmjn9 yes <![CDATA[Episode 59: Fraud Is Evolving - What You Need to Know to Stay Safe]]> Sat, 28 Mar 2026 16:00:00 +0000 Lake Michigan Credit Union https://permalink.castos.com/podcast/55266/episode/2408329 https://wallet-wisdom.castos.com/episodes/episode-59-fraud-is-evolving-what-you-need-to-know-to-stay-safe Brett sits down with Josh, Director of Fraud at LMCU, who shares an inside look at how scams are becoming more sophisticated, and what you can do to protect yourself in an increasingly digital world. From AI-powered scams to fake websites and urgent “fear-based” tactics, Josh explains how fraudsters are using smarter tools and more convincing strategies than ever before. As he puts it, fraud today isn’t slowing down, it is constantly growing and adapting.

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The information provided in this podcast by Lake Michigan Credit Union is general education or marketing in nature and is not intended to be accounting, legal, tax, investment financial or other advice. Statements of individuals are their own and not LMCU’s. All topics discussed are information of a general nature and do not address the circumstances of any particular individual or entity. Consult an appropriate professional concerning your specific situation. As of the date of publishing or any future date this podcast is broadcast, all rates, fees, payments or other specific figures discussed are subject to change and are dependent upon your specific financial situation. All loan products discussed are subject to credit and collateral approval. You alone assume the sole responsibility of evaluating the merits and risks associated with the use of any information or other content in the podcast before making any decisions based on such information or other content. In exchange for listening to the podcast you agree not to hold LMCU, its affiliates, or any third-party service providers liable for any possible claim for damages arising from any decisions you make based on information made available to you or other content made available to you through the podcast. For more information on any of the content discussed in this podcast please visit LMCU.org. Copyright Lake Michigan Credit Union. Federally insured NCUA. Equal Housing Lender NMLS ID # 442967

]]> full 59 false Brett sits down with Josh, Director of Fraud at LMCU, who shares an inside look at how scams are becoming more sophisticated, and what you can do to protect yourself in an increasingly digital world. From AI-powered scams to fake websites and urgent “fear-based” tactics, Josh explains how fraudsters are using smarter tools and more convincing strategies than ever before. As he puts it, fraud today isn’t slowing down, it is constantly growing and adapting.

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The information provided in this podcast by Lake Michigan Credit Union is general education or marketing in nature and is not intended to be accounting, legal, tax, investment financial or other advice. Statements of individuals are their own and not LMCU’s. All topics discussed are information of a general nature and do not address the circumstances of any particular individual or entity. Consult an appropriate professional concerning your specific situation. As of the date of publishing or any future date this podcast is broadcast, all rates, fees, payments or other specific figures discussed are subject to change and are dependent upon your specific financial situation. All loan products discussed are subject to credit and collateral approval. You alone assume the sole responsibility of evaluating the merits and risks associated with the use of any information or other content in the podcast before making any decisions based on such information or other content. In exchange for listening to the podcast you agree not to hold LMCU, its affiliates, or any third-party service providers liable for any possible claim for damages arising from any decisions you make based on information made available to you or other content made available to you through the podcast. For more information on any of the content discussed in this podcast please visit LMCU.org. Copyright Lake Michigan Credit Union. Federally insured NCUA. Equal Housing Lender NMLS ID # 442967

]]> 00:25:17 <![CDATA[Episode 58: Making Your Tax Refund Really Work for You]]> Wed, 18 Mar 2026 19:26:40 +0000 Lake Michigan Credit Union https://permalink.castos.com/podcast/55266/episode/2399963 https://wallet-wisdom.castos.com/episodes/episode-58-making-your-tax-refund-really-work-for-you Tax season is here, and this week’s Wallet Wisdom episode is packed with practical, real life strategies to help you stretch your refund further than ever. Brett sits down with Bill Turner (BT), LMCU District Manager in Southwest Florida, who brings 30 years of banking experience and a refreshingly honest take on how to use your tax return with intention—not impulse. 








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The information provided in this podcast by Lake Michigan Credit Union is general education or marketing in nature and is not intended to be accounting, legal, tax, investment financial or other advice. Statements of individuals are their own and not LMCU’s. All topics discussed are information of a general nature and do not address the circumstances of any particular individual or entity. Consult an appropriate professional concerning your specific situation. As of the date of publishing or any future date this podcast is broadcast, all rates, fees, payments or other specific figures discussed are subject to change and are dependent upon your specific financial situation. All loan products discussed are subject to credit and collateral approval. You alone assume the sole responsibility of evaluating the merits and risks associated with the use of any information or other content in the podcast before making any decisions based on such information or other content. In exchange for listening to the podcast you agree not to hold LMCU, its affiliates, or any third-party service providers liable for any possible claim for damages arising from any decisions you make based on information made available to you or other content made available to you through the podcast. For more information on any of the content discussed in this podcast please visit LMCU.org. Copyright Lake Michigan Credit Union. Federally insured NCUA. Equal Housing Lender NMLS ID # 442967

]]> full 58 false Tax season is here, and this week’s Wallet Wisdom episode is packed with practical, real life strategies to help you stretch your refund further than ever. Brett sits down with Bill Turner (BT), LMCU District Manager in Southwest Florida, who brings 30 years of banking experience and a refreshingly honest take on how to use your tax return with intention—not impulse. 








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The information provided in this podcast by Lake Michigan Credit Union is general education or marketing in nature and is not intended to be accounting, legal, tax, investment financial or other advice. Statements of individuals are their own and not LMCU’s. All topics discussed are information of a general nature and do not address the circumstances of any particular individual or entity. Consult an appropriate professional concerning your specific situation. As of the date of publishing or any future date this podcast is broadcast, all rates, fees, payments or other specific figures discussed are subject to change and are dependent upon your specific financial situation. All loan products discussed are subject to credit and collateral approval. You alone assume the sole responsibility of evaluating the merits and risks associated with the use of any information or other content in the podcast before making any decisions based on such information or other content. In exchange for listening to the podcast you agree not to hold LMCU, its affiliates, or any third-party service providers liable for any possible claim for damages arising from any decisions you make based on information made available to you or other content made available to you through the podcast. For more information on any of the content discussed in this podcast please visit LMCU.org. Copyright Lake Michigan Credit Union. Federally insured NCUA. Equal Housing Lender NMLS ID # 442967

]]> 00:34:04 <![CDATA[Episode 57: From Stress to Confidence: Building Better Money Habits the Mindful Way]]> Sat, 28 Feb 2026 18:00:00 +0000 Lake Michigan Credit Union https://permalink.castos.com/podcast/55266/episode/2383065 https://wallet-wisdom.castos.com/episodes/episode-57-from-stress-to-confidence-building-better-money-habits-the-mindful-way In this episode of Wallet Wisdom, Brett catches up with LMCU Financial Wellness Coordinator Tiarra Weddle and LMIA Administrative Assistant Stevie VanHorssen to discuss how to build healthy money habits without ever checking your bank account.

Between Tiarra’s time spent as an LMCU teller and Stevie’s experience as an LMCU Wellness Champion, today’s guests are well poised to help listeners understand how confidence, impulse control, self-care strategies, and even yoga can all play a role when pursuing your financial goals. 

This episode’s topics include:

Stress Management: How to not let worrying about money become a vicious cycle.
Small Wins: Tips for taking everyday steps toward financial wellness.
Impulse Control: Learning to self-soothe in a constructive way.
Don’t Forget to Breathe: How subtle physical tension can amplify stress.
Comfort & Confidence: The importance of “radical honesty” and finding ways to talk with your friends (and tellers!) about money.

Take it from Tiarra and Stevie — getting to the heart of holistic financial wellness starts by looking inwardly, being kind to yourself, and making small behavioral shifts that add up to big long-term wins for your bank account.

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The information provided in this podcast by Lake Michigan Credit Union is general education or marketing in nature and is not intended to be accounting, legal, tax, investment financial or other advice. Statements of individuals are their own and not LMCU’s. All topics discussed are information of a general nature and do not address the circumstances of any particular individual or entity. Consult an appropriate professional concerning your specific situation. As of the date of publishing or any future date this podcast is broadcast, all rates, fees, payments or other specific figures discussed are subject to change and are dependent upon your specific financial situation. All loan products discussed are subject to credit and collateral approval. You alone assume the sole responsibility of evaluating the merits and risks associated with the use of any information or other content in the podcast before making any decisions based on such information or other content. In exchange for listening to the podcast you agree not to hold LMCU, its affiliates, or any third-party service providers liable for any possible claim for damages arising from any decisions you make based on information made available to you or other content made available to you through the podcast. For more information on any of the content discussed in this podcast please visit LMCU.org. Copyright Lake Michigan Credit Union. Federally insured NCUA. Equal Housing Lender NMLS ID # 442967

]]> full 57 false In this episode of Wallet Wisdom, Brett catches up with LMCU Financial Wellness Coordinator Tiarra Weddle and LMIA Administrative Assistant Stevie VanHorssen to discuss how to build healthy money habits without ever checking your bank account.

Between Tiarra’s time spent as an LMCU teller and Stevie’s experience as an LMCU Wellness Champion, today’s guests are well poised to help listeners understand how confidence, impulse control, self-care strategies, and even yoga can all play a role when pursuing your financial goals. 

This episode’s topics include:

Stress Management: How to not let worrying about money become a vicious cycle.
Small Wins: Tips for taking everyday steps toward financial wellness.
Impulse Control: Learning to self-soothe in a constructive way.
Don’t Forget to Breathe: How subtle physical tension can amplify stress.
Comfort & Confidence: The importance of “radical honesty” and finding ways to talk with your friends (and tellers!) about money.

Take it from Tiarra and Stevie — getting to the heart of holistic financial wellness starts by looking inwardly, being kind to yourself, and making small behavioral shifts that add up to big long-term wins for your bank account.

---

The information provided in this podcast by Lake Michigan Credit Union is general education or marketing in nature and is not intended to be accounting, legal, tax, investment financial or other advice. Statements of individuals are their own and not LMCU’s. All topics discussed are information of a general nature and do not address the circumstances of any particular individual or entity. Consult an appropriate professional concerning your specific situation. As of the date of publishing or any future date this podcast is broadcast, all rates, fees, payments or other specific figures discussed are subject to change and are dependent upon your specific financial situation. All loan products discussed are subject to credit and collateral approval. You alone assume the sole responsibility of evaluating the merits and risks associated with the use of any information or other content in the podcast before making any decisions based on such information or other content. In exchange for listening to the podcast you agree not to hold LMCU, its affiliates, or any third-party service providers liable for any possible claim for damages arising from any decisions you make based on information made available to you or other content made available to you through the podcast. For more information on any of the content discussed in this podcast please visit LMCU.org. Copyright Lake Michigan Credit Union. Federally insured NCUA. Equal Housing Lender NMLS ID # 442967

]]> 00:24:58 <![CDATA[Episode 56: SMART Financial Goals: How to Build Better Money Habits]]> Fri, 16 Jan 2026 22:56:43 +0000 Lake Michigan Credit Union https://permalink.castos.com/podcast/55266/episode/2327619 https://wallet-wisdom.castos.com/episodes/episode-56-smart-financial-goals-how-to-build-better-money-habits In this episode of Wallet Wisdom, Brett sits down with Savannah Girmscheid, LMCU's Financial Wellness Manager, to break down the #1 money mistake people make when setting financial goals: jumping in without truly understanding where they stand.

Whether you’re just starting your financial journey or looking to refine your goals, this episode offers practical insights and tools to help you move forward with confidence.

Learn more about LMCU’s financial wellness resources at: https://LMCU.org

#WalletWisdomPodcast #LMCU #FinancialGoals #FinancialWellness #SmartGoals #MoneyManagement #CreditUnion

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The information provided in this podcast by Lake Michigan Credit Union is general education or marketing in nature and is not intended to be accounting, legal, tax, investment financial or other advice. Statements of individuals are their own and not LMCU’s. All topics discussed are information of a general nature and do not address the circumstances of any particular individual or entity. Consult an appropriate professional concerning your specific situation. As of the date of publishing or any future date this podcast is broadcast, all rates, fees, payments or other specific figures discussed are subject to change and are dependent upon your specific financial situation. All loan products discussed are subject to credit and collateral approval. You alone assume the sole responsibility of evaluating the merits and risks associated with the use of any information or other content in the podcast before making any decisions based on such information or other content. In exchange for listening to the podcast you agree not to hold LMCU, its affiliates, or any third-party service providers liable for any possible claim for damages arising from any decisions you make based on information made available to you or other content made available to you through the podcast. For more information on any of the content discussed in this podcast please visit LMCU.org. Copyright Lake Michigan Credit Union. Federally insured NCUA. Equal Housing Lender NMLS ID # 442967

]]> full 56 false In this episode of Wallet Wisdom, Brett sits down with Savannah Girmscheid, LMCU's Financial Wellness Manager, to break down the #1 money mistake people make when setting financial goals: jumping in without truly understanding where they stand.

Whether you’re just starting your financial journey or looking to refine your goals, this episode offers practical insights and tools to help you move forward with confidence.

Learn more about LMCU’s financial wellness resources at: https://LMCU.org

#WalletWisdomPodcast #LMCU #FinancialGoals #FinancialWellness #SmartGoals #MoneyManagement #CreditUnion

---

The information provided in this podcast by Lake Michigan Credit Union is general education or marketing in nature and is not intended to be accounting, legal, tax, investment financial or other advice. Statements of individuals are their own and not LMCU’s. All topics discussed are information of a general nature and do not address the circumstances of any particular individual or entity. Consult an appropriate professional concerning your specific situation. As of the date of publishing or any future date this podcast is broadcast, all rates, fees, payments or other specific figures discussed are subject to change and are dependent upon your specific financial situation. All loan products discussed are subject to credit and collateral approval. You alone assume the sole responsibility of evaluating the merits and risks associated with the use of any information or other content in the podcast before making any decisions based on such information or other content. In exchange for listening to the podcast you agree not to hold LMCU, its affiliates, or any third-party service providers liable for any possible claim for damages arising from any decisions you make based on information made available to you or other content made available to you through the podcast. For more information on any of the content discussed in this podcast please visit LMCU.org. Copyright Lake Michigan Credit Union. Federally insured NCUA. Equal Housing Lender NMLS ID # 442967

]]> 00:32:51 <![CDATA[Episode 55: From the Classroom to the Community]]> Fri, 26 Dec 2025 05:35:00 +0000 Lake Michigan Credit Union https://permalink.castos.com/podcast/55266/episode/2303660 https://wallet-wisdom.castos.com/episodes/episode-54-from-the-classroom-to-the-community In this episode of Wallet Wisdom, we sit down with Cody Timm, Branch Manager of our Leonard branch and one of our top volunteers in 2025, to explore how financial education and community engagement can shape stronger futures.

With eight years at LMCU and active involvement on both the Financial Wellness Council and DEIB (Diversity, Equity, Inclusion, and Belonging) Council, Cody shares how LMCU is showing up beyond the branch — from financial reality fairs in local high schools to hands-on experiences like Junior Achievement’s BizTown.

]]> full 55 false In this episode of Wallet Wisdom, we sit down with Cody Timm, Branch Manager of our Leonard branch and one of our top volunteers in 2025, to explore how financial education and community engagement can shape stronger futures.

With eight years at LMCU and active involvement on both the Financial Wellness Council and DEIB (Diversity, Equity, Inclusion, and Belonging) Council, Cody shares how LMCU is showing up beyond the branch — from financial reality fairs in local high schools to hands-on experiences like Junior Achievement’s BizTown.

]]> 00:25:41 <![CDATA[Episode 54: LMCU – Past, Present, and Future]]> Wed, 26 Nov 2025 05:35:00 +0000 Lake Michigan Credit Union https://permalink.castos.com/podcast/55266/episode/2303698 https://wallet-wisdom.castos.com/episodes/ep-54-lmcu-past-present-and-future In this episode of Wallet Wisdom, LMCU CEO Julie Leonard sits down to share the incredible journey of Lake Michigan Credit Union — from our beginnings in 1933 with 13 teachers pooling their resources, to becoming one of the nation’s largest and most member-focused credit unions. Whether you're an existing member or simply interested in how credit unions drive community impact, this conversation offers a powerful look at where LMCU has been — and where we’re going next.

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The information provided in this podcast by Lake Michigan Credit Union is general education or marketing in nature and is not intended to be accounting, legal, tax, investment financial or other advice. Statements of individuals are their own and not LMCU’s. All topics discussed are information of a general nature and do not address the circumstances of any particular individual or entity. Consult an appropriate professional concerning your specific situation. As of the date of publishing or any future date this podcast is broadcast, all rates, fees, payments or other specific figures discussed are subject to change and are dependent upon your specific financial situation. All loan products discussed are subject to credit and collateral approval. You alone assume the sole responsibility of evaluating the merits and risks associated with the use of any information or other content in the podcast before making any decisions based on such information or other content. In exchange for listening to the podcast you agree not to hold LMCU, its affiliates, or any third-party service providers liable for any possible claim for damages arising from any decisions you make based on information made available to you or other content made available to you through the podcast. For more information on any of the content discussed in this podcast please visit LMCU.org. Copyright Lake Michigan Credit Union. Federally insured NCUA. Equal Housing Lender NMLS ID # 442967.

]]> full 54 false In this episode of Wallet Wisdom, LMCU CEO Julie Leonard sits down to share the incredible journey of Lake Michigan Credit Union — from our beginnings in 1933 with 13 teachers pooling their resources, to becoming one of the nation’s largest and most member-focused credit unions. Whether you're an existing member or simply interested in how credit unions drive community impact, this conversation offers a powerful look at where LMCU has been — and where we’re going next.

---

The information provided in this podcast by Lake Michigan Credit Union is general education or marketing in nature and is not intended to be accounting, legal, tax, investment financial or other advice. Statements of individuals are their own and not LMCU’s. All topics discussed are information of a general nature and do not address the circumstances of any particular individual or entity. Consult an appropriate professional concerning your specific situation. As of the date of publishing or any future date this podcast is broadcast, all rates, fees, payments or other specific figures discussed are subject to change and are dependent upon your specific financial situation. All loan products discussed are subject to credit and collateral approval. You alone assume the sole responsibility of evaluating the merits and risks associated with the use of any information or other content in the podcast before making any decisions based on such information or other content. In exchange for listening to the podcast you agree not to hold LMCU, its affiliates, or any third-party service providers liable for any possible claim for damages arising from any decisions you make based on information made available to you or other content made available to you through the podcast. For more information on any of the content discussed in this podcast please visit LMCU.org. Copyright Lake Michigan Credit Union. Federally insured NCUA. Equal Housing Lender NMLS ID # 442967.

]]> 00:29:21 <![CDATA[Episode 53: The Credit Union Difference]]> Tue, 30 Sep 2025 18:00:00 +0000 Lake Michigan Credit Union https://permalink.castos.com/podcast/55266/episode/2153613 https://wallet-wisdom.castos.com/episodes/episode-53-the-credit-union-difference In this episode of the Wallet Wisdom podcast, LMCU’s Brett Christiansen sits down with Patty Corkery, President and CEO of the Michigan Credit Union League, to unpack the key differences between credit unions and traditional banks. From member ownership and not-for-profit status to community-driven lending and financial education, this conversation reveals how credit unions empower their members and those in their communities when it comes to managing their money.

 

 

 

The information provided in this podcast by Lake Michigan Credit Union is general education or marketing in nature and is not intended to be accounting, legal, tax, investment financial or other advice. Statements of individuals are their own and not LMCU’s. All topics discussed are information of a general nature and do not address the circumstances of any particular individual or entity. Consult an appropriate professional concerning your specific situation. As of the date of publishing or any future date this podcast is broadcast, all rates, fees, payments or other specific figures discussed are subject to change and are dependent upon your specific financial situation. All loan products discussed are subject to credit and collateral approval. You alone assume the sole responsibility of evaluating the merits and risks associated with the use of any information or other content in the podcast before making any decisions based on such information or other content. In exchange for listening to the podcast you agree not to hold LMCU, its affiliates, or any third-party service providers liable for any possible claim for damages arising from any decisions you make based on information made available to you or other content made available to you through the podcast. For more information on any of the content discussed in this podcast please visit LMCU.org. Copyright Lake Michigan Credit Union. Federally insured NCUA. Equal Housing Lender NMLS ID # 442967

]]> full 53 false In this episode of the Wallet Wisdom podcast, LMCU’s Brett Christiansen sits down with Patty Corkery, President and CEO of the Michigan Credit Union League, to unpack the key differences between credit unions and traditional banks. From member ownership and not-for-profit status to community-driven lending and financial education, this conversation reveals how credit unions empower their members and those in their communities when it comes to managing their money.

 

 

 

The information provided in this podcast by Lake Michigan Credit Union is general education or marketing in nature and is not intended to be accounting, legal, tax, investment financial or other advice. Statements of individuals are their own and not LMCU’s. All topics discussed are information of a general nature and do not address the circumstances of any particular individual or entity. Consult an appropriate professional concerning your specific situation. As of the date of publishing or any future date this podcast is broadcast, all rates, fees, payments or other specific figures discussed are subject to change and are dependent upon your specific financial situation. All loan products discussed are subject to credit and collateral approval. You alone assume the sole responsibility of evaluating the merits and risks associated with the use of any information or other content in the podcast before making any decisions based on such information or other content. In exchange for listening to the podcast you agree not to hold LMCU, its affiliates, or any third-party service providers liable for any possible claim for damages arising from any decisions you make based on information made available to you or other content made available to you through the podcast. For more information on any of the content discussed in this podcast please visit LMCU.org. Copyright Lake Michigan Credit Union. Federally insured NCUA. Equal Housing Lender NMLS ID # 442967

]]> 00:29:38 <![CDATA[Episode 52: Mastering Financial Wellness]]> Thu, 14 Aug 2025 14:00:00 +0000 Lake Michigan Credit Union https://permalink.castos.com/podcast/55266/episode/2111701 https://wallet-wisdom.castos.com/episodes/episode-52-mastering-financial-wellness

Welcome to another episode of Wallet Wisdom. In honor of Financial Awareness Day, we sit down with Savannah Girmschied, LMCU’s Financial Wellness Manager, to explore how financial wellness impacts your life—and how you can take control of your money with confidence.

Whether you're just starting your financial journey or looking to improve your credit score, build an emergency fund, or develop healthy money habits, this episode is packed with actionable insights and free tools to help you succeed.

 

 

 

Thanks for listening. The information provided in this podcast by Lake Michigan Credit Union is general education or marketing in nature and is not intended to be accounting, legal, tax, investment financial or other advice. Statements of individuals are their own and not LMCU’s. All topics discussed are information of a general nature and do not address the circumstances of any particular individual or entity. Consult an appropriate professional concerning your specific situation. As of the date of publishing or any future date this podcast is broadcast, all rates, fees, payments or other specific figures discussed are subject to change and are dependent upon your specific financial situation. All loan products discussed are subject to credit and collateral approval. You alone assume the sole responsibility of evaluating the merits and risks associated with the use of any information or other content in the podcast before making any decisions based on such information or other content. In exchange for listening to the podcast you agree not to hold LMCU, its affiliates, or any third-party service providers liable for any possible claim for damages arising from any decisions you make based on information made available to you or other content made available to you through the podcast. For more information on any of the content discussed in this podcast please visit LMCU.org. Copyright Lake Michigan Credit Union. Federally insured NCUA. Equal Housing Lender NMLS ID # 442967

]]> full 52 false

Welcome to another episode of Wallet Wisdom. In honor of Financial Awareness Day, we sit down with Savannah Girmschied, LMCU’s Financial Wellness Manager, to explore how financial wellness impacts your life—and how you can take control of your money with confidence.

Whether you're just starting your financial journey or looking to improve your credit score, build an emergency fund, or develop healthy money habits, this episode is packed with actionable insights and free tools to help you succeed.

 

 

 

Thanks for listening. The information provided in this podcast by Lake Michigan Credit Union is general education or marketing in nature and is not intended to be accounting, legal, tax, investment financial or other advice. Statements of individuals are their own and not LMCU’s. All topics discussed are information of a general nature and do not address the circumstances of any particular individual or entity. Consult an appropriate professional concerning your specific situation. As of the date of publishing or any future date this podcast is broadcast, all rates, fees, payments or other specific figures discussed are subject to change and are dependent upon your specific financial situation. All loan products discussed are subject to credit and collateral approval. You alone assume the sole responsibility of evaluating the merits and risks associated with the use of any information or other content in the podcast before making any decisions based on such information or other content. In exchange for listening to the podcast you agree not to hold LMCU, its affiliates, or any third-party service providers liable for any possible claim for damages arising from any decisions you make based on information made available to you or other content made available to you through the podcast. For more information on any of the content discussed in this podcast please visit LMCU.org. Copyright Lake Michigan Credit Union. Federally insured NCUA. Equal Housing Lender NMLS ID # 442967

]]> 00:28:25 <![CDATA[Episode 51: How The Latest Fed Rates Impact Your Budget & Borrowing Power]]> Thu, 31 Jul 2025 00:16:58 +0000 Lake Michigan Credit Union https://permalink.castos.com/podcast/55266/episode/2101809 https://wallet-wisdom.castos.com/episodes/episode-51-how-the-latest-fed-rates-impact-your-budget-borrowing-power In this episode of Wallet Wisdom, presented by Lake Michigan Credit Union, host Brett is joined by VP of Accounting, Tommy Minchew, and SVP of Finance, Mike Steele, to break down the Federal Reserve interest rate, how it affects your personal finances, and what you can do to stay financially strong in today’s economy. Whether you're saving, borrowing, or budgeting, this episode is packed with financial tips, debt consolidation strategies, and budgeting tools to help you make smarter money moves.

 

 

 

Thanks for listening. The information provided in this podcast by Lake Michigan Credit Union is general education or marketing in nature and is not intended to be accounting, legal, tax, investment financial or other advice. Statements of individuals are their own and not LMCU’s. All topics discussed are information of a general nature and do not address the circumstances of any particular individual or entity. Consult an appropriate professional concerning your specific situation. As of the date of publishing or any future date this podcast is broadcast, all rates, fees, payments or other specific figures discussed are subject to change and are dependent upon your specific financial situation. All loan products discussed are subject to credit and collateral approval. You alone assume the sole responsibility of evaluating the merits and risks associated with the use of any information or other content in the podcast before making any decisions based on such information or other content. In exchange for listening to the podcast you agree not to hold LMCU, its affiliates, or any third-party service providers liable for any possible claim for damages arising from any decisions you make based on information made available to you or other content made available to you through the podcast. For more information on any of the content discussed in this podcast please visit LMCU.org. Copyright Lake Michigan Credit Union. Federally insured NCUA. Equal Housing Lender NMLS ID # 442967.

]]> full 51 false In this episode of Wallet Wisdom, presented by Lake Michigan Credit Union, host Brett is joined by VP of Accounting, Tommy Minchew, and SVP of Finance, Mike Steele, to break down the Federal Reserve interest rate, how it affects your personal finances, and what you can do to stay financially strong in today’s economy. Whether you're saving, borrowing, or budgeting, this episode is packed with financial tips, debt consolidation strategies, and budgeting tools to help you make smarter money moves.

 

 

 

Thanks for listening. The information provided in this podcast by Lake Michigan Credit Union is general education or marketing in nature and is not intended to be accounting, legal, tax, investment financial or other advice. Statements of individuals are their own and not LMCU’s. All topics discussed are information of a general nature and do not address the circumstances of any particular individual or entity. Consult an appropriate professional concerning your specific situation. As of the date of publishing or any future date this podcast is broadcast, all rates, fees, payments or other specific figures discussed are subject to change and are dependent upon your specific financial situation. All loan products discussed are subject to credit and collateral approval. You alone assume the sole responsibility of evaluating the merits and risks associated with the use of any information or other content in the podcast before making any decisions based on such information or other content. In exchange for listening to the podcast you agree not to hold LMCU, its affiliates, or any third-party service providers liable for any possible claim for damages arising from any decisions you make based on information made available to you or other content made available to you through the podcast. For more information on any of the content discussed in this podcast please visit LMCU.org. Copyright Lake Michigan Credit Union. Federally insured NCUA. Equal Housing Lender NMLS ID # 442967.

]]> 00:29:18 <![CDATA[Episode 50: The Power of V.A. Loans]]> Mon, 11 Nov 2024 17:09:00 +0000 Lake Michigan Credit Union https://permalink.castos.com/podcast/55266/episode/1882542 https://wallet-wisdom.castos.com/episodes/episode-50-the-power-of-va-loans Join hosts Brett and Aldina, as they sit down with LMCU's VP of Secondary Marketing, and Veteran, Chad Baehr. Chad speaks to his experiences getting a V.A. mortgage, and helps to debunk some of the myths surround them. 

]]> full 50 false Join hosts Brett and Aldina, as they sit down with LMCU's VP of Secondary Marketing, and Veteran, Chad Baehr. Chad speaks to his experiences getting a V.A. mortgage, and helps to debunk some of the myths surround them. 

]]> 00:18:45 <![CDATA[Episode 49: How to Manage Your Cost of Living]]> Fri, 18 Oct 2024 19:55:00 +0000 Lake Michigan Credit Union https://permalink.castos.com/podcast/55266/episode/1886953 https://wallet-wisdom.castos.com/episodes/episode-49-how-to-manage-your-cost-of-living Join hosts Brett and Aldina as they share thoughts and ideas to help manage the rise in cost of living. From savings, to budget ideas, you wont want to miss it!

]]> full 49 false Join hosts Brett and Aldina as they share thoughts and ideas to help manage the rise in cost of living. From savings, to budget ideas, you wont want to miss it!

]]> 00:26:54 <![CDATA[Episode 48: Avoid Being Scammed]]> Wed, 25 Sep 2024 20:30:00 +0000 Lake Michigan Credit Union https://permalink.castos.com/podcast/55266/episode/1842819 https://wallet-wisdom.castos.com/episodes/episode-48-avoid-being-scammed On this episode, we sit down with Josh Wolf, LMCU's Fraud Manager, to uncover the latest tactics used by scammers and how you can protect yourself. Josh shares insider tips to keep your accounts secure, and your wallet safe.

]]> full 48 false On this episode, we sit down with Josh Wolf, LMCU's Fraud Manager, to uncover the latest tactics used by scammers and how you can protect yourself. Josh shares insider tips to keep your accounts secure, and your wallet safe.

]]> 00:27:51 <![CDATA[Episode 47: Band Together for Pediatric Health]]> Mon, 05 Aug 2024 15:41:00 +0000 Lake Michigan Credit Union https://permalink.castos.com/podcast/55266/episode/1812985 https://wallet-wisdom.castos.com/episodes/2024-band-together In this episode, dive into LMCU's impactful Band Together campaign, exploring how it unites the community to support local pediatric programs. Special guest Kat MacDonald from Cherry Health joins the conversation to share insights on the campaign's partnership with healthcare initiatives. Tune in to hear inspiring stories, learn about the campaign's goals, and discover how small efforts can create big changes across the region.

]]> full 47 false In this episode, dive into LMCU's impactful Band Together campaign, exploring how it unites the community to support local pediatric programs. Special guest Kat MacDonald from Cherry Health joins the conversation to share insights on the campaign's partnership with healthcare initiatives. Tune in to hear inspiring stories, learn about the campaign's goals, and discover how small efforts can create big changes across the region.

]]> 00:24:19 <![CDATA[Episode 46: DIY Projects Made Easy]]> Mon, 24 Jun 2024 20:22:00 +0000 Lake Michigan Credit Union https://permalink.castos.com/podcast/55266/episode/1816480 https://wallet-wisdom.castos.com/episodes/episode-46-diy-projects-made-easy Join hosts Brett and Aldina as they explore how DIY projects can be a great way to save money. They'll share practical tips and insights to help you tackle home improvements on your own. Special guests Alisa Flores and Amber Jones from Home Repair Services bring their expertise to the conversation, offering valuable advice and experiences.

]]> full 46 false Join hosts Brett and Aldina as they explore how DIY projects can be a great way to save money. They'll share practical tips and insights to help you tackle home improvements on your own. Special guests Alisa Flores and Amber Jones from Home Repair Services bring their expertise to the conversation, offering valuable advice and experiences.

]]> 00:27:27 <![CDATA[Episode 45: Financial Literacy Month]]> Fri, 24 May 2024 16:02:00 +0000 Lake Michigan Credit Union https://permalink.castos.com/podcast/55266/episode/1756241 https://wallet-wisdom.castos.com/episodes/episode-45-financial-literacy-month Join hosts Brett and Aldina as they share about how LMCU is helping those in and around our communities, grow in their financial knowledge.  

]]> full 45 false Join hosts Brett and Aldina as they share about how LMCU is helping those in and around our communities, grow in their financial knowledge.  

]]> 00:25:19 <![CDATA[Episode 44: Ways to Reduce Your Insurance Premiums]]> Fri, 01 Mar 2024 15:47:00 +0000 Lake Michigan Credit Union https://permalink.castos.com/podcast/55266/episode/1730914 https://wallet-wisdom.castos.com/episodes/episode-44-ways-to-reduce-your-insurance-premiums Shopping for insurance can be difficult, and expensive in today's current market. To help us better understand how to navigate this, host's Brett and Aldina welcome special guest, President of Lake Michigan Insurance Agency, Ken Jansen. 

]]> full 44 false Shopping for insurance can be difficult, and expensive in today's current market. To help us better understand how to navigate this, host's Brett and Aldina welcome special guest, President of Lake Michigan Insurance Agency, Ken Jansen. 

]]> 00:32:29 <![CDATA[Episode 43: Top 5 Financial Goals to Kickstart 2024]]> Wed, 31 Jan 2024 20:57:00 +0000 Lake Michigan Credit Union https://permalink.castos.com/podcast/55266/episode/1657090 https://wallet-wisdom.castos.com/episodes/top-5-financial-goals-to-kickstart-2024 Going into 2024, everyone is excited and motivated to work towards their goals and resolutions. Join Brett and Aldina as they speak with special guest, President/Co-Founder of Marvelous Lifestyles Outreach, Karmen Johnson, on what SMART goals you can apply to your finances.

]]> full 43 false Going into 2024, everyone is excited and motivated to work towards their goals and resolutions. Join Brett and Aldina as they speak with special guest, President/Co-Founder of Marvelous Lifestyles Outreach, Karmen Johnson, on what SMART goals you can apply to your finances.

]]> 00:34:30 <![CDATA[Episode 42: 2023 Year In Review]]> Fri, 29 Dec 2023 19:43:41 +0000 Lake Michigan Credit Union https://permalink.castos.com/podcast/55266/episode/1624654 https://wallet-wisdom.castos.com/episodes/episode-42-2023-year-in-review Join hosts Brett and Lo as they welcome back on the show, LMCU’s Community Relations Manger - Aldina Babic, to help recap some of their favorite episodes of 2023. 

]]> full 42 false Join hosts Brett and Lo as they welcome back on the show, LMCU’s Community Relations Manger - Aldina Babic, to help recap some of their favorite episodes of 2023. 

]]> 00:32:07 <![CDATA[Episode 41: HUTT Scholarship]]> Mon, 13 Nov 2023 05:00:00 +0000 Lake Michigan Credit Union https://permalink.castos.com/podcast/55266/episode/1594949 https://wallet-wisdom.castos.com/episodes/episode-41-hutt-scholarship College expenses can add up quickly, but there are some great ways to help reduce those costs. Join hosts Brett and LO as they welcome, Community Relations Specialist - Monse Velazquez, to share how LMCU is impacting High Schoolers with its Lloyd F. Hutt Scholarship.

]]> 41 false College expenses can add up quickly, but there are some great ways to help reduce those costs. Join hosts Brett and LO as they welcome, Community Relations Specialist - Monse Velazquez, to share how LMCU is impacting High Schoolers with its Lloyd F. Hutt Scholarship.

]]> 00:25:08 <![CDATA[Episode 40: Celebrating 90 Years Strong]]> Tue, 26 Sep 2023 00:14:14 +0000 Lake Michigan Credit Union https://permalink.castos.com/podcast/55266/episode/1563328 https://wallet-wisdom.castos.com/episodes/episode-40-celebrating-90-years-strong Join hosts Brett and LO as they celebrate LMCU's 90th birthday with special guest, SVP of Retail Operations - Sara Kemperman! Sara shares memories and perspectives that she has experianced over the last 27 years working for Lake Michigan Credit Union, and how the company has evolved over time. 

]]> full 40 false Join hosts Brett and LO as they celebrate LMCU's 90th birthday with special guest, SVP of Retail Operations - Sara Kemperman! Sara shares memories and perspectives that she has experianced over the last 27 years working for Lake Michigan Credit Union, and how the company has evolved over time. 

]]> 00:29:08 <![CDATA[Episode 39: The last generation to start from scratch]]> Thu, 31 Aug 2023 19:16:02 +0000 Lake Michigan Credit Union https://permalink.castos.com/podcast/55266/episode/1547426 https://wallet-wisdom.castos.com/episodes/episode-39-the-last-generation-to-start-from-scratch Join hosts Brett and Lo, as they welcome Dondrea Brown, Founder/Owner of Young Money Finance. Dondrea shares how he is helping those in his community grow their wealth, and become the last generation to start from scratch.

]]> full 39 false Join hosts Brett and Lo, as they welcome Dondrea Brown, Founder/Owner of Young Money Finance. Dondrea shares how he is helping those in his community grow their wealth, and become the last generation to start from scratch.

]]> 00:35:54 <![CDATA[Episode 38: Leveraging SBA Loans to grow your small business]]> Sun, 30 Jul 2023 13:20:00 +0000 Lake Michigan Credit Union https://permalink.castos.com/podcast/55266/episode/1534038 https://wallet-wisdom.castos.com/episodes/episode-38-leveraging-sba-loans-to-grow-your-small-business Are you ready to take your entrepreneurial dreams to new heights? Join hosts Brett and Lo, as they welcome Javier Jorge, SBA director at LMCU, to explore the world of small businesses and SBA loans.

]]> full 38 false Are you ready to take your entrepreneurial dreams to new heights? Join hosts Brett and Lo, as they welcome Javier Jorge, SBA director at LMCU, to explore the world of small businesses and SBA loans.

]]> 00:31:27 <![CDATA[Episode 37: Strategies to lower your cost of living]]> Wed, 28 Jun 2023 23:52:05 +0000 Lake Michigan Credit Union https://www.podomatic.com/podcasts/walletwisdom/episodes/2023-06-28T16_52_05-07_00 https://wallet-wisdom.castos.com/episodes/episode-37-episode-37-strategies-to-lower-your-cost-of-living The cost of living is rising. But good news! We have tips that can help you. Join Brett and Lo as they welcome Community Relations Manager, Aldina Babic to talk through several methods that can help you save.

]]> full 37 false The cost of living is rising. But good news! We have tips that can help you. Join Brett and Lo as they welcome Community Relations Manager, Aldina Babic to talk through several methods that can help you save.

]]> 00:36:41 <![CDATA[Episode 36: Getting the most out of your home's equity]]> Tue, 30 May 2023 20:00:00 +0000 Lake Michigan Credit Union https://www.podomatic.com/podcasts/walletwisdom/episodes/2023-05-30T13_00_00-07_00 https://wallet-wisdom.castos.com/episodes/episode-36-episode-36-getting-the-most-out-of-your-homes-equity What’s the best way to tap into your home’s equity? What can a home equity loan be used for and does it have to be used for home improvement? Join Brett and Lo as they welcome Home Equity Director, Erin Burdick-Bloom to talk through these questions.

]]> full 36 false What’s the best way to tap into your home’s equity? What can a home equity loan be used for and does it have to be used for home improvement? Join Brett and Lo as they welcome Home Equity Director, Erin Burdick-Bloom to talk through these questions.

]]> 00:29:08 <![CDATA[Episode 35: How to buy your first home | Part 2]]> Fri, 28 Apr 2023 02:57:39 +0000 Lake Michigan Credit Union https://www.podomatic.com/podcasts/walletwisdom/episodes/2023-04-27T19_57_39-07_00 https://wallet-wisdom.castos.com/episodes/episode-35-episode-35-how-to-buy-your-first-home-part-2 Hosts Brett and Lo discuss dream homes, changing rates, and other first-time home buying considerations with Meg Dunn, VP of Mortgage Production, and Janice Hurt, Mortgage Support Manager.

]]> full 35 false Hosts Brett and Lo discuss dream homes, changing rates, and other first-time home buying considerations with Meg Dunn, VP of Mortgage Production, and Janice Hurt, Mortgage Support Manager.

]]> 00:43:33 <![CDATA[Episode 34: How to buy your first home | Part 1]]> Thu, 30 Mar 2023 20:25:48 +0000 Lake Michigan Credit Union https://www.podomatic.com/podcasts/walletwisdom/episodes/2023-03-30T13_25_48-07_00 https://wallet-wisdom.castos.com/episodes/episode-34-episode-34-how-to-buy-your-first-home-part-1 Hosts Brett and Lo discuss dream homes, changing rates, and other first-time home buying considerations with Meg Dunn, VP of Mortgage Production, and Janice Hurt, Mortgage Support Manager.

]]> full 34 false Hosts Brett and Lo discuss dream homes, changing rates, and other first-time home buying considerations with Meg Dunn, VP of Mortgage Production, and Janice Hurt, Mortgage Support Manager.

]]> 00:38:19 <![CDATA[Episode 33: Top Tips For Tax Season]]> Tue, 28 Feb 2023 16:52:27 +0000 Lake Michigan Credit Union https://www.podomatic.com/podcasts/walletwisdom/episodes/2023-02-28T08_52_27-08_00 https://wallet-wisdom.castos.com/episodes/episode-33-episode-33-top-tips-for-tax-season With tax season in full swing, making sure you're prepared can be a daunting task. Join Brett and Lo as they talk with, CPA and Davenport University professor, Gail Emmit about filing taxes and programs to help with that. 

]]> full 33 false With tax season in full swing, making sure you're prepared can be a daunting task. Join Brett and Lo as they talk with, CPA and Davenport University professor, Gail Emmit about filing taxes and programs to help with that. 

]]> 00:31:10 <![CDATA[Episode 32: Getting the most out of your HSA]]> Thu, 26 Jan 2023 20:54:11 +0000 Lake Michigan Credit Union https://www.podomatic.com/podcasts/walletwisdom/episodes/2023-01-26T12_54_11-08_00 https://wallet-wisdom.castos.com/episodes/episode-32-episode-32-getting-the-most-out-of-your-hsa HSAs are often one of the best-kept secrets when thinking about you're savings. Brett and Lo, kick off the new year with IRA/HSA Manager, Val Kiliszewski, as they learn the benefits of a Health Savings Account, and how it can be used.

]]> full 32 false HSAs are often one of the best-kept secrets when thinking about you're savings. Brett and Lo, kick off the new year with IRA/HSA Manager, Val Kiliszewski, as they learn the benefits of a Health Savings Account, and how it can be used.

]]> 00:34:08 <![CDATA[Episode 31: How To Spot Fraud]]> Thu, 29 Dec 2022 19:50:41 +0000 Lake Michigan Credit Union https://www.podomatic.com/podcasts/walletwisdom/episodes/2022-12-29T11_50_41-08_00 https://wallet-wisdom.castos.com/episodes/episode-31-episode-31-how-to-spot-fraud Don't let scammers get you in 2023! Join Brett and Lo with special guest Troy Baker, BBB'S VP of Community Relations, to learn how to spot fraud and what to do when it happens to you.

]]> full 31 false Don't let scammers get you in 2023! Join Brett and Lo with special guest Troy Baker, BBB'S VP of Community Relations, to learn how to spot fraud and what to do when it happens to you.

]]> 00:37:06 <![CDATA[Episode 30: Santa Squad 2022 Sneak Peek]]> Tue, 29 Nov 2022 16:57:01 +0000 Lake Michigan Credit Union https://www.podomatic.com/podcasts/walletwisdom/episodes/2022-11-29T08_57_01-08_00 https://wallet-wisdom.castos.com/episodes/episode-30-episode-30-santa-squad-2022-sneak-peek At LMCU we spread joy by giving. Join Brett and Lo as they welcome Bobbi and Monse from our community relations team and talk Santa Squad, a community-focused program that emphasizes giving during the holiday season. Also, tune in to hear from an extra special guest, who came all the way from the North Pole! 

]]> full 30 false At LMCU we spread joy by giving. Join Brett and Lo as they welcome Bobbi and Monse from our community relations team and talk Santa Squad, a community-focused program that emphasizes giving during the holiday season. Also, tune in to hear from an extra special guest, who came all the way from the North Pole! 

]]> 00:29:20 <![CDATA[Episode 29: Holiday Spending on a Budget]]> Mon, 24 Oct 2022 16:46:03 +0000 Lake Michigan Credit Union https://www.podomatic.com/podcasts/walletwisdom/episodes/2022-10-24T09_46_03-07_00 https://wallet-wisdom.castos.com/episodes/episode-29-episode-29-holiday-spending-on-a-budget With the holiday season right around the corner, how do you prepare your budget without overburdening yourself? Join Brett and Lo as they welcome special guest, Community Relations Manager, Aldina Babic. Aldina discusses proactive methods for listeners to start a savings plan now and how to prepare for increased spending.

]]> full 29 false With the holiday season right around the corner, how do you prepare your budget without overburdening yourself? Join Brett and Lo as they welcome special guest, Community Relations Manager, Aldina Babic. Aldina discusses proactive methods for listeners to start a savings plan now and how to prepare for increased spending.

]]> 00:38:05 <![CDATA[Episode 28: When is the best time to purchase a home?]]> Tue, 23 Aug 2022 14:54:16 +0000 Lake Michigan Credit Union https://walletwisdom.podomatic.com/entry/2022-08-23T07_54_16-07_00 https://wallet-wisdom.castos.com/episodes/episode-28-episode-28-when-is-the-best-time-to-purchase-a-home You want to purchase a home, but you’re not sure on the timing. Join Brett and Lo as they welcome special guest, Senior Vice President of Mortgage, Eric Burgoon. Eric discusses several factors home buyers should consider when getting a mortgage, and that burning question: fluctuating rates.

]]> full 28 false You want to purchase a home, but you’re not sure on the timing. Join Brett and Lo as they welcome special guest, Senior Vice President of Mortgage, Eric Burgoon. Eric discusses several factors home buyers should consider when getting a mortgage, and that burning question: fluctuating rates.

]]> 00:33:44 <![CDATA[Episode 27: Using Credit Cards to Your Advantage]]> Tue, 26 Jul 2022 15:55:59 +0000 Lake Michigan Credit Union https://walletwisdom.podomatic.com/entry/2022-07-26T08_55_59-07_00 https://wallet-wisdom.castos.com/episodes/episode-27-episode-27-using-credit-cards-to-your-advantage It’s that age old question: should I get a credit card? Join Brett and Lo as they welcome special guest, Member Service Representative, Jon Schmiedicke. Jon debunks common myths surrounding credit cards and explains how responsible use can benefit your financial future.

]]> full 27 false It’s that age old question: should I get a credit card? Join Brett and Lo as they welcome special guest, Member Service Representative, Jon Schmiedicke. Jon debunks common myths surrounding credit cards and explains how responsible use can benefit your financial future.

]]> 00:40:56 <![CDATA[Episode 26: Ideas to Make College Tuition More Affordable]]> Tue, 28 Jun 2022 03:12:01 +0000 Lake Michigan Credit Union https://walletwisdom.podomatic.com/entry/2022-06-27T20_12_01-07_00 https://wallet-wisdom.castos.com/episodes/episode-26-episode-26-ideas-to-make-college-tuition-more-affordable With grad season in full swing, host’s Brett & Lo welcome back to the podcast, Matt Cook & Joe Batt-Capps, as they share ways to help make college tuition more affordable. From scholarships & tuition discounts, to how even your home's equity could help cut costs when looking to pay for college expenses. Our experts help break it all down. 

]]> full 26 false With grad season in full swing, host’s Brett & Lo welcome back to the podcast, Matt Cook & Joe Batt-Capps, as they share ways to help make college tuition more affordable. From scholarships & tuition discounts, to how even your home's equity could help cut costs when looking to pay for college expenses. Our experts help break it all down. 

]]> 00:36:06 <![CDATA[Episode 25: Remodeling Your House Using Your Home Equity]]> Mon, 23 May 2022 19:46:09 +0000 Lake Michigan Credit Union https://walletwisdom.podomatic.com/entry/2022-05-23T12_46_09-07_00 https://wallet-wisdom.castos.com/episodes/episode-25-episode-25-remodeling-your-house-using-your-home-equity Join hosts Brett & Lo, as they learn from LMCU Branch Manager, Spencer Miller, about ways to use our home equity to finance those Spring/Summer home projects. Also on the show to share tips on how DIY can save you money, special guest, Executive Director of Home Repair Services of Kent County, Joel Ruiter. 

]]> full 25 false Join hosts Brett & Lo, as they learn from LMCU Branch Manager, Spencer Miller, about ways to use our home equity to finance those Spring/Summer home projects. Also on the show to share tips on how DIY can save you money, special guest, Executive Director of Home Repair Services of Kent County, Joel Ruiter. 

]]> 00:41:05 <![CDATA[Episode 24: Financial Skills to Make Better Financial Decisions]]> Mon, 25 Apr 2022 18:27:56 +0000 Lake Michigan Credit Union https://walletwisdom.podomatic.com/entry/2022-04-25T11_27_56-07_00 https://wallet-wisdom.castos.com/episodes/episode-24-episode-24-financial-skills-to-make-better-financial-decisions Join hosts, Brett & Lo, as they talk with guest, Aldina Babic. As LMCU’s Community Relations Manager, Aldina shares new perspectives on how financial literacy can be a family mindset.

]]> full 24 false Join hosts, Brett & Lo, as they talk with guest, Aldina Babic. As LMCU’s Community Relations Manager, Aldina shares new perspectives on how financial literacy can be a family mindset.

]]> 00:33:23 <![CDATA[Episode 23: What To Know About 2022’s Tax Changes]]> Tue, 29 Mar 2022 20:02:12 +0000 Lake Michigan Credit Union https://walletwisdom.podomatic.com/entry/2022-03-29T13_02_12-07_00 https://wallet-wisdom.castos.com/episodes/episode-23-episode-23-what-to-know-about-2022s-tax-changes Join hosts Brett & Lo, as they learn about some of the new tax changes for 2022, with special guest, Jim Blakeslee. As LMCU’s Sr. VP of Wealth Management, Jim provides some great perspectives to consider to help navigate your taxes, as well as ways to save where you can.

]]> full 23 false Join hosts Brett & Lo, as they learn about some of the new tax changes for 2022, with special guest, Jim Blakeslee. As LMCU’s Sr. VP of Wealth Management, Jim provides some great perspectives to consider to help navigate your taxes, as well as ways to save where you can.

]]> 00:37:03 <![CDATA[Episode 22: What To Consider When Consolidating Debt]]> Tue, 22 Feb 2022 20:57:41 +0000 Lake Michigan Credit Union https://walletwisdom.podomatic.com/entry/2022-02-22T12_57_41-08_00 https://wallet-wisdom.castos.com/episodes/episode-22-episode-22-what-to-consider-when-consolidating-debt

]]> full 22 false

]]> 00:35:55 <![CDATA[Episode 21: 2022 Home Market Forecast]]> Thu, 27 Jan 2022 16:42:29 +0000 Lake Michigan Credit Union https://walletwisdom.podomatic.com/entry/2022-01-27T08_42_29-08_00 https://wallet-wisdom.castos.com/episodes/episode-21-episode-21-2022-home-market-forecast Considering making a move or refinancing your home this year? Before the spring market heats up, get the scoop from our very own Meg Dunn, Vice President of Mortgage Production, on what experts are forecasting for rates, home values, and home inventory.

]]> full 21 false Considering making a move or refinancing your home this year? Before the spring market heats up, get the scoop from our very own Meg Dunn, Vice President of Mortgage Production, on what experts are forecasting for rates, home values, and home inventory.

]]> 00:30:02 <![CDATA[Episode 20: Holiday Spending & Using Your Credit Card Wisely]]> Tue, 21 Dec 2021 23:00:00 +0000 Lake Michigan Credit Union https://walletwisdom.podomatic.com/entry/2021-12-21T15_00_00-08_00 https://wallet-wisdom.castos.com/episodes/episode-20-episode-20-holiday-spending-using-your-credit-card-wisely With last minute shopping on everyone’s to-do’s, hosts Brett & Lo discuss ways to use your credit card wisely, with guest Taylor Melcher. Whether you need that final stocking stuffer, or a gift for your Great Aunt, holiday spending doesn’t have to be a burden on your wallet. Also, with $200 on the line, you won't want to miss a special holiday edition of, Are You Smarter Than The Show Trivia.

]]> full 20 false With last minute shopping on everyone’s to-do’s, hosts Brett & Lo discuss ways to use your credit card wisely, with guest Taylor Melcher. Whether you need that final stocking stuffer, or a gift for your Great Aunt, holiday spending doesn’t have to be a burden on your wallet. Also, with $200 on the line, you won't want to miss a special holiday edition of, Are You Smarter Than The Show Trivia.

]]> 00:36:30 <![CDATA[Episode 19: Maximizing Your Charitable Giving]]> Tue, 23 Nov 2021 23:07:40 +0000 Lake Michigan Credit Union https://walletwisdom.podomatic.com/entry/2021-11-23T15_07_40-08_00 https://wallet-wisdom.castos.com/episodes/episode-19-episode-19-maximizing-your-charitable-giving Tis’ the season for holiday generosity! Join Hosts Brett & Lo, as they learn new ways to maximize Charitable Donations from LMCU’s Senior VP of Wealth Management, James Blakeslee.

]]> full 19 false Tis’ the season for holiday generosity! Join Hosts Brett & Lo, as they learn new ways to maximize Charitable Donations from LMCU’s Senior VP of Wealth Management, James Blakeslee.

]]> 00:32:59 <![CDATA[Episode 18: Making an impact with your time, not just your wallet.]]> Tue, 19 Oct 2021 19:00:00 +0000 Lake Michigan Credit Union https://walletwisdom.podomatic.com/entry/2021-10-19T12_00_00-07_00 https://wallet-wisdom.castos.com/episodes/episode-18-episode-18-making-an-impact-with-your-time-not-just-your-wallet Join hosts, Brett and Lo, as they learn from guest, Monse Velazquez, on how to give of their time, not just their money. As LMCU’s Community Relations Coordinator, Monse shares with listeners how both our staff, and members can get involved in their communities to make an even greater impact. Also, with $100 on the line, you won’t want to miss another round of, “Smarter Than the Show Trivia”, as Monse tries to stop host Lo from winning twice in a row.

]]> full 18 false Join hosts, Brett and Lo, as they learn from guest, Monse Velazquez, on how to give of their time, not just their money. As LMCU’s Community Relations Coordinator, Monse shares with listeners how both our staff, and members can get involved in their communities to make an even greater impact. Also, with $100 on the line, you won’t want to miss another round of, “Smarter Than the Show Trivia”, as Monse tries to stop host Lo from winning twice in a row.

]]> 00:29:18 <![CDATA[Episode 17: Strategies To Put Your Home’s Equity To Work]]> Tue, 21 Sep 2021 20:16:22 +0000 Lake Michigan Credit Union https://walletwisdom.podomatic.com/entry/2021-09-21T13_16_22-07_00 https://wallet-wisdom.castos.com/episodes/episode-17-episode-17-strategies-to-put-your-homes-equity-to-work With mortgage rates still lower than ever before, and home values continuing to go up, you might be wondering how you can put your equity to work. Join hosts, Brett and Lo, as they talk with guest, Lisa DeLass - VP of Regional Mortgage Production, on how to put your home’s equity to work. Wether you’re thinking of remodeling, or consolidating your credit card debt, Lisa walks through several options you should consider when refinance, as well as ways you can start saving hundreds every month. Also, you won’t want to miss another round of, “Smarter Than The Show Trivia”, as Lisa takes on host Lo, for a chance to win $50 to go to a local non-profit, LMCU supports!

]]> full 17 false With mortgage rates still lower than ever before, and home values continuing to go up, you might be wondering how you can put your equity to work. Join hosts, Brett and Lo, as they talk with guest, Lisa DeLass - VP of Regional Mortgage Production, on how to put your home’s equity to work. Wether you’re thinking of remodeling, or consolidating your credit card debt, Lisa walks through several options you should consider when refinance, as well as ways you can start saving hundreds every month. Also, you won’t want to miss another round of, “Smarter Than The Show Trivia”, as Lisa takes on host Lo, for a chance to win $50 to go to a local non-profit, LMCU supports!

]]> 00:29:59 <![CDATA[Episode 16: Resources For Your Financial Well-being]]> Wed, 18 Aug 2021 00:33:56 +0000 Lake Michigan Credit Union https://walletwisdom.podomatic.com/entry/2021-08-17T17_33_56-07_00 https://wallet-wisdom.castos.com/episodes/episode-16-episode-16-resources-for-your-financial-well-being Everyone is at a different place in their financial journey, but finding the right tools to help you on that journey is so important. Helping share some exciting, free resources, Brett and Lo are joined by VP of Community Relations, Matt Cook. Join us as we dive into ways LMCU is providing practical tools to help your "Wallet Wisdom". You also won't want to miss a heated, "Smarter than the Show Trivia", as Matt takes on returning champ, Co-Host Brett!

]]> full 16 false Everyone is at a different place in their financial journey, but finding the right tools to help you on that journey is so important. Helping share some exciting, free resources, Brett and Lo are joined by VP of Community Relations, Matt Cook. Join us as we dive into ways LMCU is providing practical tools to help your "Wallet Wisdom". You also won't want to miss a heated, "Smarter than the Show Trivia", as Matt takes on returning champ, Co-Host Brett!

]]> 00:33:41 <![CDATA[Episode 15: Financial Tips for Couples & Newlyweds]]> Thu, 22 Jul 2021 23:08:02 +0000 Lake Michigan Credit Union https://walletwisdom.podomatic.com/entry/2021-07-22T16_08_02-07_00 https://wallet-wisdom.castos.com/episodes/episode-15-episode-15-financial-tips-for-couples-newlyweds Whether you're newlyweds, life partners, or have been married for awhile, deciding on how to manage your finances together, is not always easy. Join Brett and Lo as they sit down with newly married, Taylor Fase, a Member Services Representative at LMCU. Taylor has some very simple, practical tips to help strengthen your relationships financial aspects.

]]> full 15 false Whether you're newlyweds, life partners, or have been married for awhile, deciding on how to manage your finances together, is not always easy. Join Brett and Lo as they sit down with newly married, Taylor Fase, a Member Services Representative at LMCU. Taylor has some very simple, practical tips to help strengthen your relationships financial aspects.

]]> 00:34:35 <![CDATA[Episode 14: Builders, Design Trends, and Financing]]> Thu, 03 Jun 2021 03:56:43 +0000 Lake Michigan Credit Union https://walletwisdom.podomatic.com/entry/2021-06-02T20_56_43-07_00 https://wallet-wisdom.castos.com/episodes/episode-14-episode-14-builders-design-trends-and-financing full 14 false 00:36:35 <![CDATA[Episode 13: Is GAP insurance worth it for me?]]> Thu, 20 May 2021 15:13:57 +0000 Lake Michigan Credit Union https://walletwisdom.podomatic.com/entry/2021-05-20T08_13_57-07_00 https://wallet-wisdom.castos.com/episodes/episode-13-episode-13-is-gap-insurance-worth-it-for-me full 13 false 00:36:08 <![CDATA[Episode 12: What to consider when choosing Auto Insurance?]]> Wed, 28 Apr 2021 16:37:55 +0000 Lake Michigan Credit Union https://walletwisdom.podomatic.com/entry/2021-04-28T09_37_55-07_00 https://wallet-wisdom.castos.com/episodes/episode-12-episode-12-what-to-consider-when-choosing-auto-insurance full 12 false 00:35:19 <![CDATA[Episode 11: Is refinancing right for me?]]> Tue, 16 Mar 2021 17:56:13 +0000 Lake Michigan Credit Union https://walletwisdom.podomatic.com/entry/2021-03-16T10_56_13-07_00 https://wallet-wisdom.castos.com/episodes/episode-11-episode-11-is-refinancing-right-for-me full 11 false 00:34:26 <![CDATA[Episode 10: Strategies for getting out of debt]]> Fri, 12 Feb 2021 21:03:04 +0000 Lake Michigan Credit Union https://walletwisdom.podomatic.com/entry/2021-02-12T13_03_04-08_00 https://wallet-wisdom.castos.com/episodes/episode-10-episode-10-strategies-for-getting-out-of-debt full 10 false 00:32:09 <![CDATA[Episode 9: Finding a way out of debt]]> Tue, 19 Jan 2021 23:04:44 +0000 Lake Michigan Credit Union https://walletwisdom.podomatic.com/entry/2021-01-19T15_04_44-08_00 https://wallet-wisdom.castos.com/episodes/episode-9-episode-9-finding-a-way-out-of-debt full 9 false 00:29:58 <![CDATA[Episode 8: Understanding your Credit Score & How to Boost It]]> Mon, 16 Nov 2020 20:11:54 +0000 Lake Michigan Credit Union https://walletwisdom.podomatic.com/entry/2020-11-16T12_11_54-08_00 https://wallet-wisdom.castos.com/episodes/episode-8-episode-8-understanding-your-credit-score-how-to-boost-it Credit Scores; We know they’re important, but do we know exactly how they work and what impacts them? Join us as we talk to special guest Spencer Miller! Spencer is the Branch Manager of the Alpine branch, and is here to help us better understand Credit Scores and provide tips on how to boost it.

]]> full 8 false Credit Scores; We know they’re important, but do we know exactly how they work and what impacts them? Join us as we talk to special guest Spencer Miller! Spencer is the Branch Manager of the Alpine branch, and is here to help us better understand Credit Scores and provide tips on how to boost it.

]]> 00:42:19 <![CDATA[Episode 7: Top tips for financing that 4 bedroom $250,000+ home]]> Mon, 19 Oct 2020 20:18:56 +0000 Lake Michigan Credit Union https://walletwisdom.podomatic.com/entry/2020-10-19T13_18_56-07_00 https://wallet-wisdom.castos.com/episodes/episode-7-episode-7-top-tips-for-financing-that-4-bedroom-250000-home Everyone’s had that dream-house they’ve always wanted, but obtaining it seems impossible, right? Well if that’s you, you won’t want to miss this episode as we are joined by Meg Dunn, VP of Mortgage Production at LMCU. She’s on the show to help give us some top tips for financing that 4 bedroom $250,000+ home you’ve been dreaming of!

]]> full 7 false Everyone’s had that dream-house they’ve always wanted, but obtaining it seems impossible, right? Well if that’s you, you won’t want to miss this episode as we are joined by Meg Dunn, VP of Mortgage Production at LMCU. She’s on the show to help give us some top tips for financing that 4 bedroom $250,000+ home you’ve been dreaming of!

]]> 00:41:03 <![CDATA[Episode 6: What, Why, and How to's of Debt Consolidation]]> Thu, 27 Aug 2020 17:54:32 +0000 Lake Michigan Credit Union https://walletwisdom.podomatic.com/entry/2020-08-27T10_54_32-07_00 https://wallet-wisdom.castos.com/episodes/episode-6-episode-6-what-why-and-how-tos-of-debt-consolidation Welcome back to LMCU's Wallet Wisdom! On the show we are joined by Alicia Force, as well as a special guest host. Alicia is VP of Consumer Lending with Lake Michigan Credit Union and is here to talk about the debt consolidation, and what DTI stands for. More information on this topic can be found at LMCU.org.

]]> full 6 false Welcome back to LMCU's Wallet Wisdom! On the show we are joined by Alicia Force, as well as a special guest host. Alicia is VP of Consumer Lending with Lake Michigan Credit Union and is here to talk about the debt consolidation, and what DTI stands for. More information on this topic can be found at LMCU.org.

]]> 00:34:41 <![CDATA[Episode 5: Construction Loans]]> Fri, 17 Jul 2020 17:34:18 +0000 Lake Michigan Credit Union https://walletwisdom.podomatic.com/entry/2020-07-17T10_34_18-07_00 https://wallet-wisdom.castos.com/episodes/episode-5-episode-5-construction-loans Welcome back to LMCU's Wallet Wisdom! Hosts Kayla & Ryan are joined by Andrew Clarkson for episode four. Andrew is VP of Regional Mortgage Production with Lake Michigan Credit Union and is here to talk about the construction loan process. More information on this topic can be found at LMCU.org/Mortgage.

]]> full 5 false Welcome back to LMCU's Wallet Wisdom! Hosts Kayla & Ryan are joined by Andrew Clarkson for episode four. Andrew is VP of Regional Mortgage Production with Lake Michigan Credit Union and is here to talk about the construction loan process. More information on this topic can be found at LMCU.org/Mortgage.

]]> 00:43:16 <![CDATA[Episode 4: PIP/Auto Reform in Michigan]]> Tue, 09 Jun 2020 16:08:11 +0000 Lake Michigan Credit Union https://walletwisdom.podomatic.com/entry/2020-06-09T09_08_11-07_00 https://wallet-wisdom.castos.com/episodes/episode-4-episode-4-pipauto-reform-in-michigan Welcome back to LMCU's Wallet Wisdom! Hosts Kayla & Ryan are joined by Spencer Klukowski for episode four. Spencer is a Personal Lines Team Lead with Lake Michigan Insurance Agency (LMIA) and is here to talk about the changes coming to Michigan's No-Fault Auto Reform Insurance. Starting July 2, 2020, you will now have the ability to choose your level of Personal Injury Protection Medical coverage, which may save you money on your insurance policy. More information on this topic can be found at LMCU.org/AutoReform.

]]> full 4 false Welcome back to LMCU's Wallet Wisdom! Hosts Kayla & Ryan are joined by Spencer Klukowski for episode four. Spencer is a Personal Lines Team Lead with Lake Michigan Insurance Agency (LMIA) and is here to talk about the changes coming to Michigan's No-Fault Auto Reform Insurance. Starting July 2, 2020, you will now have the ability to choose your level of Personal Injury Protection Medical coverage, which may save you money on your insurance policy. More information on this topic can be found at LMCU.org/AutoReform.

]]> 00:25:24 <![CDATA[Episode 3: COVID-19 Resources & Help]]> Thu, 21 May 2020 18:59:32 +0000 Lake Michigan Credit Union https://walletwisdom.podomatic.com/entry/2020-05-21T11_59_32-07_00 https://wallet-wisdom.castos.com/episodes/episode-3-episode-3-covid-19-resources-help Welcome back to LMCU's Wallet Wisdom! Hosts Kayla & Ryan are bringing you a special edition of the podcast, focused solely on LMCU's response to the COVID-19 pandemic. The crew is joined by Sara Kemperman, senior VP of retail operations, and Andrew Clarkson, VP of regional mortgage production. The two talk about branch operations, how we're keeping our members and employees safe, financial options for those in a pinch, and much more. This episode was recorded on May 19, 2020 and everything we discussed can be found at LMCU.org/COVID19.

]]> full 3 false Welcome back to LMCU's Wallet Wisdom! Hosts Kayla & Ryan are bringing you a special edition of the podcast, focused solely on LMCU's response to the COVID-19 pandemic. The crew is joined by Sara Kemperman, senior VP of retail operations, and Andrew Clarkson, VP of regional mortgage production. The two talk about branch operations, how we're keeping our members and employees safe, financial options for those in a pinch, and much more. This episode was recorded on May 19, 2020 and everything we discussed can be found at LMCU.org/COVID19.

]]> 00:42:06 <![CDATA[Episode 2: HSA Basics]]> Fri, 20 Mar 2020 19:36:54 +0000 Lake Michigan Credit Union https://walletwisdom.podomatic.com/entry/2020-03-20T12_36_54-07_00 https://wallet-wisdom.castos.com/episodes/episode-2-episode-2-hsa-basics Welcome back to LMCU's Wallet Wisdom! Join hosts Kayla & Ryan in the second episode as they talk about credit card debt and Health Savings Account basics with LMCU's IRA/HSA Manager Valerie Kiliszewski. This episode’s "Stump the Show" trivia proceeds could go to help prevent and end relationship abuse.

]]> full 2 false Welcome back to LMCU's Wallet Wisdom! Join hosts Kayla & Ryan in the second episode as they talk about credit card debt and Health Savings Account basics with LMCU's IRA/HSA Manager Valerie Kiliszewski. This episode’s "Stump the Show" trivia proceeds could go to help prevent and end relationship abuse.

]]> 00:25:45 <![CDATA[Episode 1: Mortgage Myths]]> Fri, 20 Mar 2020 19:22:52 +0000 Lake Michigan Credit Union https://walletwisdom.podomatic.com/entry/2020-03-20T12_22_52-07_00 https://wallet-wisdom.castos.com/episodes/episode-1-pilot-mortgage-myths Welcome to LMCU's Wallet Wisdom, join hosts Kayla & Ryan in the first episode as they talk about current financial trends, fraud and debunk down payment home purchasing myths. Don't miss this episodes "Stump the Show" trivia, proceeds could go to help support higher educational needs of children who have lost a parent.

]]> full 1 false Welcome to LMCU's Wallet Wisdom, join hosts Kayla & Ryan in the first episode as they talk about current financial trends, fraud and debunk down payment home purchasing myths. Don't miss this episodes "Stump the Show" trivia, proceeds could go to help support higher educational needs of children who have lost a parent.

]]> 00:34:23