Free Daily Podcast Summary
Wallet Wisdom: Daily Summaries Delivered
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.
Latest Episodes
The most recent episodes — sign up to get AI-powered summaries of each one.
- 1 weeks ago28 min
Episode 72: Growing Without Losing Our Purpose
On this episode of Wallet Wisdom, LMCU COO Sara Kemperman reflects on our journey from a teachers' credit union founded in 1933 to nearly 700,000 members today, and why putting people first remains at the heart of everything we do. Sara also shares financial wellness tips for budgeting and emergency savings, how LMCU continues to embrace technology, our growth in Florida and the importance of community impact. ---The information provided in this podcast by Lake Michigan Credit Union is general education or marketing in nature and is not intended as 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.
- 4 weeks ago16 min
Episode 71: Could a Higher Deductible Save you?
On this episode of Wallet Wisdom, Ken Jansen, President of Lake Michigan Insurance Agency (LMIA), joins us to talk about how consumers and businesses can think about insurance in today's economic climate. From rising costs and changing insurance markets to deductibles, shopping around and reviewing your coverage, Ken shares practical insights to help you better understand your options. You'll also learn why insurance isn't one-size-fits-all, how life changes can affect your coverage, what business owners should consider as their companies grow and why your homeowners insurance may provide more liability protection than you realize. ---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
- Sep 15, 202633 min
Episode 70: Is Building Actually Cheaper?
Building a home can feel overwhelming, especially when you’re trying to figure out how much you need to put down, how construction financing works, and whether building is actually more affordable than buying an existing home. In this episode of Wallet Wisdom, Brett sits down with Luther, an LMCU mortgage loan officer with 20 years of experience, to break down what you need to know before deciding whether to buy, build, or renovate. From construction loans and lot equity to down payments, appraisals, timelines, and common misconceptions, Luther explains why building a home may be more attainable than you think. --- 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.
- Sep 3, 202619 min
Episode 69: They're Tryin to Scam You
Fraud and scams are becoming more sophisticated, more frequent and harder to recognize. In this week’s Wallet Wisdom episode, Brett sits down with Natalie, a Market Leader at LMCU, to talk about the scams and fraud attempts she has encountered firsthand and the warning signs everyone should know. From impersonation scams and suspicious phone calls to fraudulent identities and convincing investment schemes, Natalie shares real-world stories that show just how easily scammers can create fear, urgency and confusion. The conversation also explores why trusting your instincts, slowing down and talking to someone you trust can help protect your 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.
- Aug 25, 202630 min
Episode 68: College Money Mistakes
College is an exciting time, but it can also be the first time many students are responsible for managing their own money. In this week’s Wallet Wisdom episode, Brett sits down with Brenton, a Market Leader at LMCU, to talk about the financial decisions students face when starting college and the money mistakes that can follow them long after graduation. From understanding student loans and financial aid to balancing work, school, spending and saving, Brenton shares practical advice to help students make more informed decisions about their money. The conversation also explores why slowing down, understanding your actual expenses and creating a realistic plan can make a big difference. ---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.
- Aug 5, 202629 min
Episode 67: Mid-Year Money Reset
In this episode of Wallet Wisdom, Brett sits down with Savannah and Ann Marie from LMCU to discuss why a mid-year financial check-up can make a big difference in reaching your money goals. Whether you're trying to save more, reduce debt, or simply gain a better understanding of where your money is going, this conversation offers practical tips and free tools to help you take control of your finances before the year is over.As Savannah and Ann Marie explain, financial goals don't have to stay exactly as they were in January. Life changes, priorities shift, and your budget should evolve with them. --- 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 by NCUA. Equal Housing Lender. NMLS ID #442967.
- Jul 24, 202620 min
Episode 66: How to Prepare Your Wallet for the Holiday Season
The holidays may feel far away during the summer months, but preparing for holiday expenses early can make a big difference when the season arrives. In this episode of Wallet Wisdom, Brett sits down with Mary, Valrico Market Leader at LMCU, to discuss how listeners can start planning, saving, and building better financial habits before holiday spending begins. From creating a holiday budget and identifying expected expenses to using savings tools that can help set money aside throughout the year, Mary shares practical strategies to help reduce financial stress during the holidays. Whether you're planning for gifts, travel, family gatherings, or charitable giving, this conversation offers valuable insight into how small steps today can lead to more confidence and peace of mind later.
- Jul 3, 202619 min
Episode 65: America's Original People-Over-Profits Story
The financial world has changed dramatically over the last century, but one thing has remained constant: people still need trusted financial partners to help them achieve their goals. In this episode of Wallet Wisdom, Brett sits down with Trevor to explore the history of the credit union movement, why credit unions were created, and how their member-first philosophy continues to make a difference today. From the origins of credit unions during times of financial hardship to the advocacy efforts happening today, Trevor explains what makes credit unions different and why the cooperative model has continued to grow for more than 100 years. Whether you're already a credit union member or simply curious about how credit unions operate, this conversation offers valuable insight into a movement built on helping people succeed financially. ---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 by NCUA. Equal Housing Lender. NMLS ID #442967.
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About Wallet Wisdom
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.
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