Good Money Moves

First Alliance Credit Unon · firstalliancecu.com

We believe everyone deserves the knowledge and tools to make confident financial decisions—and that’s exactly what this podcast is all about. Whether you’re working on fine-tuning your budget, tackling debt, improving your credit score, or saving for the future, you’ve found the right podcast. If you’re ready to start making smarter financial choices, hit that subscribe button now and join us for Good Money Moves.

40 episodes

20d ago latest

fortnightly cadence

English language

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Episodes 41

Why Do Credit Scores Matter? Ep 39
6d ago · 19:17
In this episode of Good Money Moves, Jenna is joined by Branch Lead/Lending Advisor Devang Patel to discuss the crucial topic of credit scores. Together they explore what credit scores are, how they are calculated, and why they matter not just to lenders but also to landlords and utility companies. Learn about the factors that influence your score, like payment history and credit utilization, and the importance of starting to build credit early in life. Devang shares practical tips for managing your credit effectively, including how to rebuild after setbacks. Join us to empower yourself with t
What To Do If You Lose Your Job Ep 38
20d ago · 20:11
In episode 38 of Good Money Moves, Jenna and Andrea dive into a crucial topic: what to do if you lose your job. Join Jenna as she speaks with Andrea Allen, Chief Revenue Officer at First Alliance Credit Union, who offers valuable insights on navigating this challenging time. Together, the two discuss the immediate steps to take, including assessing your finances and creating a new budget focused on essentials like food and housing. Andrea emphasizes the importance of being proactive with lenders and understanding your health insurance options. They also explore the role of unemployment benefit
What Makes Credit Unions Better Than Banks? Ep 37
1mo ago · 20:03
In the latest episode of Good Money Moves, host Jenna Taubel is joined by Brent Rempe, President and CEO of First Alliance Credit Union, to dive into the significant differences between credit unions and banks. Discover why credit unions, with their member-owned, not-for-profit structure, often provide a more community-focused and financially empowering experience than traditional banks. Brent shares insights into the cooperative spirit of credit unions, debunking myths about their innovation capabilities and highlighting the unique benefits of choosing a credit union as your primary financial
Manufactured Home Loans How to Qualify Ep 36
1mo ago · 16:33
In this episode of Good Money Moves, join Jenna Taubel, as she chats with home lending advisor Jaxson Cameron about manufactured home loans. Together, they'll explore what qualifies as a manufactured home, how it differs from traditional homes, and the unique loan processes involved. Learn about the importance of credit scores and debt-to-income ratios, as well as the streamlined application process that can make homeownership more accessible. Jaxson shares insights on qualification requirements, down payment options, and tips for overcoming common roadblocks. Whether you're considering a manu
What to do if You Miss a Loan Payment Ep 35
2mo ago · 21:11
In this episode of Good Money Moves, Jenna sits down with LeAnne Trom, our Loan Administration Manager, to tackle a crucial topic: what to do if you miss a loan payment. Together, Jenna and LeAnne explore the importance of communication with your lender and the potential consequences of missed payments on your financial health. LeAnne shares practical advice on how to navigate missed payments, including options like payment extensions and loan consolidations. We also discuss resources available to help you manage financial stress and the significance of proactive communication in finding solut
How to Buy a Used Car Without Getting Ripped Off Ep 34
2mo ago · 22:30
In this episode of Good Money Moves, we tackle the often daunting task of purchasing a car without the dreaded buyer's remorse. Join Jenna as she welcome back Jordan Kaehler, our loan portfolio manager, to discuss essential steps for buying a vehicle. They cover how to identify your needs versus wants, establish a budget, and determine fair pricing using resources like J.D. Power. Jordan shares key insights on red flags to watch for during the buying process, whether from dealerships or private sellers. Plus, they will explore financing options and the value of add-on products like GAP insuran
HELOCs vs Home Equity Loans: What They are and How They Differ Ep 33
3mo ago · 16:15
Tap into your home equity wisely. In this Good Money Moves podcast episode we compare HELOCs and home equity loans so you can choose the right tool for projects, debt consolidation, or big life expenses. Learn how a HELOC draw period works, why payments can change, and when a fixed home equity loan’s set payment is better. We cover fees, approval factors (income, credit, equity), common terms to read closely, and how to avoid re-spending after consolidating debt.
How to Use A CD to Grow Your Savings Ep 32
3mo ago · 18:29
In this Good Money Moves episode, we explain how certificates of deposit (CDs) work, when a CD beats a savings account, and how to choose terms without locking up too much cash. You will learn early-withdrawal penalties in plain English, insured deposits, how interest is paid, and how to build a simple CD ladder for goals like taxes, travel, or a down payment. We also cover auto-renewal, grace periods, and how much to keep in your emergency fund vs. a CD.
Should You Rent or Buy? A Simple Checklist to Decide Ep 31
3mo ago · 23:43
In this episode of Good Money Moves, Jenna sits down with Nick Meeker, our Real Estate Lending Manager, to tackle the pivotal question many young adults face: should you keep renting, or is it time to buy a home? Together Jenna and Nick explore common misconceptions about down payments and discuss the importance of having a safety net for unexpected costs that come with homeownership. Nick shares insights on the pros and cons of renting versus buying, emphasizing the need for a well-structured budget and the impact of credit scores on your options. Join us for this informative discussion that
First Paycheck Playbook: Pay Yourself First, Automate Savings, Build an Emergency Fund Ep 30
4mo ago · 22:35
In this Good Money Moves episode, we set up your very first paycheck so saving happens automatically and your bills stay on time. You will learn what pay yourself first really means, how to pick a starting percent, and an easy 50-30-20 split. We cover direct deposit splits, recurring transfers, round up savings, goal buckets for birthdays and trips, and a practical emergency fund target with a 90-day step-up plan. We also explain how to read your pay stub, W-4 basics, handling student loans in your first budget, and when 401(k), Roth IRA, HSA or FSA contributions make sense. Takeaways include:
What is a Money Market Account? E29
4mo ago · 18:00
In this episode of Good Money Moves, join Jenna Taubel, as she sits down with CFO, Jake Dorsh, to explore the ins and outs of money market accounts. Together Jenna and Jake break down what these accounts are, how they function, and the advantages they offer over traditional savings and checking accounts. Jake shares insights on interest rates, withdrawal limits, and the importance of maintaining a minimum balance. They also discuss when a money market account might be the right choice for your financial goals, especially as a tool for emergency savings or specific future expenses. If you're lo
Your Invisible Paycheck: Understanding Your Employee Benefits E28
5mo ago · 19:40
In this episode of Good Money Moves, we explore the concept of the "invisible paycheck" and why understanding your employee benefits is crucial for your financial wellbeing. I’m joined by Robin, our Employee Experience Manager, as we break down what comprises your benefits package, including healthcare, retirement plans, and paid time off. We'll discuss how these elements affect your overall financial picture and share tips on what to consider when evaluating job offers. Whether you're starting a new job or reassessing your current benefits, this episode will empower you to make informed decis
Emergency Funds: What You Need to Know E27
5mo ago · 18:13
In episode 27 of the Good Money Moves podcast, titled “Emergency Funds: What You Need to Know,” Jenna Taubel welcomes Kristina Kovacevic, AVP of Retail Experience at First Alliance Credit Union. Krystyna draws on more than a decade in banking to explain exactly what an emergency fund is, how much to stash away, and the smartest places to keep that cash so it’s safe yet instantly accessible. Whether you’re juggling debt, living paycheck-to-paycheck, or rebuilding after a life shake-up, this episode gives you a clear, stress-free roadmap to build (and rebuild) your financial cushion—without dera
Mortgages Made Easy: Picking the Right Loan E26
6mo ago · 18:49
In this episode of Good Money Moves, titled "Mortgages Made Easy: Picking the Right Loan E26," Jenna Taubel, is joined by Nick Meeker, our real estate lending manager at First Alliance Credit Union. Together, they explore the diverse world of mortgage options beyond the conventional 30-year fixed loan. Together they dive into the pros and cons of FHA, VA, and USDA loans, highlighting their unique benefits and requirements. Nick explains how credit scores, debt-to-income ratios, and down payments influence loan eligibility. We also discuss the differences between 30-year and 15-year terms, as w
Debt Avalanche vs. Snowball—Which Payoff Plan Wins? Ep25
6mo ago · 18:46
In Episode 25 of Good Money Moves, Jenna Taubel, dives into the world of debt repayment strategies with Kanwar Singh, our branch manager at First Alliance Credit Union. We explore the debt snowball and debt avalanche methods, two popular approaches to tackling debt. The debt snowball focuses on paying off smaller debts first to build momentum, while the debt avalanche targets high-interest debts to save money over time. We discuss the pros and cons of each method, how they impact credit scores, and share personal experiences to help you decide which strategy aligns best with your financial goa
Buy Now, Pay Later: Why It’s a Scam & Better Alternatives Ep24
7mo ago · 19:33
In this episode of Good Money Moves, I dive into the world of Buy Now, Pay Later (BNPL) services with Leanne Tromm, our Loan Administration Manager. As prices rise and incomes struggle to keep pace, many find themselves turning to BNPL options, but these can quickly lead to a cycle of debt. We discuss how BNPL works, the risks involved, and why it may be more of a trap than a solution. Leanne shares insights on better alternatives, such as credit cards and personal loans, that can provide financial flexibility without the hidden costs. Tune in to gain a clearer understanding of managing your c
Predatory Lending: Red Flags and Better Solutions E23
7mo ago · 19:27
In episode 23 of Good Money Moves, we break down the dangerous world of predatory lending, what it is, who it targets, and how to avoid falling victim. Jenna Taubel is joined by Kristina Kovacevic, who shares expert insight on the red flags to watch for, the devastating impact these loans can have, and most importantly, what you can do if you’ve already been caught in the trap. Whether it’s payday loans, title loans, or high-pressure lending tactics, understanding how these schemes work is key to protecting yourself and your loved ones. Learn how to spot the warning signs, where to find help,
How to Set and Achieve Your Financial Goals: Smart Tips for Saving, Budgeting, and Paying Off Debt E22
8mo ago · 17:52
Welcome to Good Money Moves, the podcast that’s all about helping you take control of your financial future, one smart decision at a time. Whether you’re looking to kickstart your savings, crush your debt, or learn how to manage your money more effectively, we’ve got you covered! In today’s episode, we dive into creative, fun, and easy ways to make saving money feel less like a chore. From tried-and-true strategies like the envelope system to budgeting rules and saving challenges, we’ll help you set realistic goals to stay motivated all year long. Tune in now! First Alliance Credit Union is fe
Benefits of Refinancing a Loan: How to Save Money, Lower Your Payments & Boost Your Credit E21
8mo ago · 19:46
Curious about the real benefits of refinancing a loan? In episode 21 of the Good Money Moves podcast, we break down what refinancing means, why it matters, and how you can save big on car payments, lower monthly bills, and build stronger credit, all without getting lost in jargon. Join Jenna and Jordan for a conversation that answers your top questions, from understanding APR to spotting hidden fees, so you walk away confident and in control of your money. First Alliance Credit Union is federally insured by the NCUA and is an Equal Housing Lender.
An Introduction to Rewards Credit Cards E20
9mo ago · 20:40
In today’s episode, we dive deep into Reward Credit Cards, from understanding which reward program is right for you, to learning how to responsibly spend to see your points, miles, or cash-back stack up. Our expert guests reveal how to avoid common pitfalls, like annual fees or overspending, while keeping your credit utilization in check. If you’re a young adult looking to confidently build (or rebuild) your credit, this episode is your playbook for achieving both short- and long-term financial success. Grab your headphones and prepare to level up your credit game, one smart swipe at a time.
Holiday Budgeting Without Stress: Tips to Spend Smarter This Season E19
9mo ago · 21:18
In episode 19 of the Good Money Moves podcast, “Holiday Budgeting Without Stress: Tips to Spend Smarter This Season,” host Jenna Taubel, AVP of Marketing at First Alliance Credit Union, sits down with Jordan Kaehler, Loan Portfolio Manager, to break down: • Why holiday overspending happens, plus the hidden costs of “just swipe the card” • A simple, realistic budget plan (who, what, and how much) that keeps you in control • Smart ways to use credit cards—rewards, limits, and paying in full—to avoid January bill shock • Dangers of Buy Now Pay Later and how to dodge high-interest traps • Debt-fre
What is an ITIN Loan and How does ITIN Lending Work? E18
10mo ago · 16:06
In episode 18 of the Good Money Moves podcast, “What is an ITIN Loan and How does ITIN Lending Work?”, host Jenna Taubel, AVP of Marketing at First Alliance Credit Union, sits down with Chelsy Lara, Community Development Advisor and specialist in ITIN lending. Chelsea draws on her expertise to break down: • What an ITIN loan is and who qualifies • How ITIN lending replaces SSN verification in loan applications • The types of loans available—auto, personal, manufactured home, and small business • How on-time ITIN-based payments build your credit history • Common misconceptions and transferring
Overcoming Financial Fears E17
10mo ago · 22:07
In episode 17 of the Good Money Moves podcast, “Overcoming Financial Fears,” host Jenna Taubel, AVP of Marketing at First Alliance Credit Union, sits down with Kristina Kovacevic, AVP of Retail Experience. Drawing on years of front-line member service, Kristina breaks down: • Why Money Feels Scary and First Steps to Break the Paycheck-to-Paycheck Cycle • Intentional-Spending Hacks (Color-Coding Statements, Trimming “Coffee Leaks”) • Building an Emergency Fund and Prepping for Job Loss With a 3-Month Cushion • Handling Sudden Big Expenses Without Wrecking Your Budget • Smart Ways to Crush High-
What is a Business Plan and Why You Need One E16
10mo ago · 18:19
In Episode 16 of the Good Money Moves podcast, “What Is a Business Plan and Why You Need One,” host Jenna Taubel - AVP of Marketing at First Alliance Credit Union, sits down with Mark Thien - Regional Director of the Southeast Minnesota Small Business Development Center (SBDC). Mark brings decades of experience helping entrepreneurs and startups turn big ideas into sustainable realities. In this episode, Mark breaks down: • What a business plan actually is and why every startup needs one • The key sections of a business plan, including the narrative and financials • How to use a business plan
Overdrafts and How to Avoid Them E15
11mo ago · 18:19
In episode 15 of the Good Money Moves podcast, "Overdrafts & How to Avoid Them,” host Jenna Taubel AVP of Marketing at First Alliance Credit Union, sits down with Kim Ferraro Branch Manager of the Lake City branch and leader of our Contact Center Lenders team. Kim draws on her 17 years of experience to break down: • What an overdraft actually is and why it happens • True cost of fees—and how they can derail your budget and long‑term goals • Quick daily habits (mobile‑app balance checks, alerts, and good old‑fashioned check registers) that keep you in the green • How Courtesy Pay, overdraft lin

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Good Money Moves

Episodes 41

Why Do Credit Scores Matter? Ep 39

What To Do If You Lose Your Job Ep 38

What Makes Credit Unions Better Than Banks? Ep 37

Manufactured Home Loans How to Qualify Ep 36

What to do if You Miss a Loan Payment Ep 35

How to Buy a Used Car Without Getting Ripped Off Ep 34

HELOCs vs Home Equity Loans: What They are and How They Differ Ep 33

How to Use A CD to Grow Your Savings Ep 32

Should You Rent or Buy? A Simple Checklist to Decide Ep 31

First Paycheck Playbook: Pay Yourself First, Automate Savings, Build an Emergency Fund Ep 30

What is a Money Market Account? E29

Your Invisible Paycheck: Understanding Your Employee Benefits E28

Emergency Funds: What You Need to Know E27

Mortgages Made Easy: Picking the Right Loan E26

Debt Avalanche vs. Snowball—Which Payoff Plan Wins? Ep25

Buy Now, Pay Later: Why It’s a Scam & Better Alternatives Ep24

Predatory Lending: Red Flags and Better Solutions E23

How to Set and Achieve Your Financial Goals: Smart Tips for Saving, Budgeting, and Paying Off Debt E22

Benefits of Refinancing a Loan: How to Save Money, Lower Your Payments & Boost Your Credit E21

An Introduction to Rewards Credit Cards E20

Holiday Budgeting Without Stress: Tips to Spend Smarter This Season E19

What is an ITIN Loan and How does ITIN Lending Work? E18

Overcoming Financial Fears E17

What is a Business Plan and Why You Need One E16

Overdrafts and How to Avoid Them E15

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Episodes 41

Why Do Credit Scores Matter? Ep 39

What To Do If You Lose Your Job Ep 38

What Makes Credit Unions Better Than Banks? Ep 37

Manufactured Home Loans How to Qualify Ep 36

What to do if You Miss a Loan Payment Ep 35

How to Buy a Used Car Without Getting Ripped Off Ep 34

HELOCs vs Home Equity Loans: What They are and How They Differ Ep 33

How to Use A CD to Grow Your Savings Ep 32

Should You Rent or Buy? A Simple Checklist to Decide Ep 31

First Paycheck Playbook: Pay Yourself First, Automate Savings, Build an Emergency Fund Ep 30

What is a Money Market Account? E29

Your Invisible Paycheck: Understanding Your Employee Benefits E28

Emergency Funds: What You Need to Know E27

Mortgages Made Easy: Picking the Right Loan E26

Debt Avalanche vs. Snowball—Which Payoff Plan Wins? Ep25

Buy Now, Pay Later: Why It’s a Scam & Better Alternatives Ep24

Predatory Lending: Red Flags and Better Solutions E23

How to Set and Achieve Your Financial Goals: Smart Tips for Saving, Budgeting, and Paying Off Debt E22

Benefits of Refinancing a Loan: How to Save Money, Lower Your Payments & Boost Your Credit E21

An Introduction to Rewards Credit Cards E20

Holiday Budgeting Without Stress: Tips to Spend Smarter This Season E19

What is an ITIN Loan and How does ITIN Lending Work? E18

Overcoming Financial Fears E17

What is a Business Plan and Why You Need One E16

Overdrafts and How to Avoid Them E15