MakingCents with Navy Federal

Beyond the Uniform: Financial and Civilian Transition Resources for Life After Service

In this episode of MakingCents, guest host Clay Stackhouse, Marine veteran and Regional Outreach Manager at Navy Federal, joins Jesse Border, Army veteran and AVP of Branch Operations, and Tracy Owens, Navy veteran and Senior Programs Manager at Support The Enlisted Project (STEP). Together, they share practical strategies and resources to help veterans and their families thrive. You’ll hear insights on financial planning for servicemembers making the transition, how Navy Federal provides personalized banking and planning tools, and STEP’s mission to promote financial self-sufficiency and holistic support for military families. Plus, Clay, Jesse, and Tracy open up about their own experiences, offering real-world perspective and advice.

·         From Combat Boots to Corporate Life (00:03)

·         Meet the Heroes Behind the Mic (3:06)

·         Your Transition Toolkit (8:37)

·         Impact Beyond Service (12:49)

Ready for your next chapter? Check out our expert resources designed to support transitioning servicemembers.

·         Transitioning From Military to Civilian Life

·         Financial Checklist for Military Transition: Planning for Veterans and Retirees

·         How to Start a Business as a Veteran

Cybersecurity Essentials: Stay Ahead of the Scams this Holiday Season

Cybersecurity might seem complex, but with a few simple steps, you can protect what matters most. In observance of Cybersecurity Awareness Month and just ahead of the holiday shopping season—we explore how planning ahead and being proactive can help protect your financial future and personal identity. From password hygiene to recognizing scams, our experts at Navy Federal Credit Union share practical tips to help you safeguard your personal and financial data with confidence. This episode, we’re chatting up with Carrie Foran Sepulveda as she shares her personal experiences with fraud and scams while offering relatable insights and actionable advice to help you stay protected.

·         Understanding Fraud and Cybersecurity (00:18)

·         Identifying and Responding to Fraud (10:03)

·         The Evolving Landscape of Cyber Threats (15:23)

·         Proactive Measures for Holiday Spending (20:41)

Check out our cybersecurity and fraud resources which give members a one-stop spot to protect their identity, manage risk, and keep their finances secure. 

·         Privacy and Security Resources

·         Fraud Resources

·         All Things Cybersecurity

Financial Planning Made Simple

Financial planning doesn’t have to feel overwhelming. With the right guidance, it’s more manageable than you think. In this episode, we’re diving into the how and why of planning ahead can empower you to stay aligned with your financial goals. From smart investing to effective debt management, discover how our expert financial planners can help you stay focused, confident, and on track.

• Understanding Financial Goals: Short-term vs Long-term (3:08)
• Navigating Major Life Milestones (9:02)
• Inheritance and Estate Planning (18:08)
• The Role of Financial Advisors (26:49)

Explore how these Navy Federal Investment Services* can help you stay the course of your money goals. 

• Navy Federal Investment Services
• Digital Investor 
• Find an Advisor  
• NFIS Disclosures

*Investments are only sold through Navy Federal Investment Services. Investment products are not insured, not obligations of NFCU, and may lose value.

Beyond the Branch: Smarter Money Management in a Connected World

Managing your finances today is easier, more intuitive, and more personalized than ever. In this episode, we explore how our digital services can help you stay on track with your financial goals. From intuitive mobile banking to advanced budgeting tools, discover how we’ve modernized the way you can manage your money.

• Generational Engagement (3:30)
• New Enhancements in Member Experience (6:10)
• Resources for New Members (13:20) 
• Security Innovations (16:14)

Explore the new features in our all-in-one financial hub that can help our members budget, build their credit profiles (1*), and reach financial goals. (2*)

• Digital Banking Tutorials (2*)
• Checking Account Resources
• How to Enroll in Digital Banking (2*)
• Digital Security Tips

1. Recurring Payment Reporting Tool Disclosure *

2. Message and data rates may apply. Visit navyfederal.org for more information.*

Shifting Gears: The Road to a New Car

In this episode, we break down one of the most common financial decisions many families face—buying a car. Two experts in the consumer lending space at Navy Federal, Joe Pendergast and Kevin Wince, share their insights into the car buying process.

• Leasing versus Buying (0:45)
• Navigating the Car Buying Process (5:16)
• Auto Financing for the Military Community (11:04)
• Right Time to Shop (21:21)

With modern tools and the right strategy to back you up, you can get behind the wheel of your own car without much trouble.

• Leasing vs. Buying a Car – Pros and Cons
• Car Buying: How a Preapproval Can Put You in the Fast Lane
• The Servicemember’s Guide to Car Buying
• When Is the Best Time to Buy a Car?
• Test Drive Your Finance Options

When you’re ready to apply for financing, Navy Federal Credit Union is here for you. Learn how to apply and search for cars domestically and internationally.

Disclosures:

• Credit and collateral subject to approval.
• Active Duty and Retired Military Member discount
• Senior Enlisted Program discount
• CARFAX Vehicle History Reports™
• Guaranteed Asset Protection (GAP)

Travel Smarter and Stretch Your Vacation Dollars

Emily Bigham sits down with guest Thomas Racca, Manager, Personal Finance Management, to share tips on how to budget for travel plans, earn extra money for your travel funds and stretch your vacation dollars further so you can plan an affordable trip without compromising the fun. Here’s what we’re covering this episode: 

·       Creating a Realistic Travel Budget (2:04) 

·       Automating Saving and Utilizing Credit Cards (8:11) 

·       Budget-Friendly Activities (14:53) 

·       Using AI as a Travel Agent (22:08)

If you're planning to travel, Navy Federal Credit Union shows you how to save for your trip and secure your finances while traveling. 

·       Top Travel Tips to Save You Money and Make Your Trip a Success

·       Save to Make Your Dream Vacation a Reality

·       A Beginner’s Guide to Using Credit Card Points for Travel

·       Vacation Security Essentials

Navy Federal Credit Union® Credit Card Disclosures

Serving is a Family Affair

In this episode, guest host and Retired Marine One Pilot, Clay Stackhouse takes a moment to honor those who serve in our military and the families who support them. Together with Chelsea Smith, Marketing Specialist and military spouse at Navy Federal, they share their personal stories and how we’re connected to those who serve. 

• Guest Background (:32) 
• Understanding Our Members (9:46)
• USO Partnership (11:25)

Whether you’re deployed, relocating or transitioning to civilian life, you'll find support for military families at Navy Federal—it's what we do.

• Active Duty & Military Families Resources and Benefits 
• Military Life – MakingCents  
• USO Letter Writing Campaign 

3 Ways to Polish Up Your Savings Plan & Get to Your Goals

Spring is in the air, so it's the perfect time to refresh your financial goals and give your savings plan a thorough spring clean. CJ Pointkowski, assistant vice president of savings products operations, and Thomas Racca, manager of personal finance management, join the podcast to share 3 approaches members can use to get a head start on reaching their financial goals.

• Spring Clean Your Finances (2:46)
• Smart Saving Strategies (12:05)
• Right Saving Tools (16:50) 

Navy Federal has the tools to help you stay on track. Whether it's setting up an automatic transfer to a savings account, reviewing your current savings plan or exploring a new savings product, you’ll find great resources to help you stay on top of your money.

• MakingCents: A financial education hub with comprehensive resources, calculators and articles to explore. 
• My MakingCents: Total money management in one place, a member-only benefit providing a 360-degree view of your finances. 
• Free Personalized Finance Counseling: This members-only benefit connects you with a counselor for support tailored to you.                  

*Investments are only sold through Navy Federal Investment Services. Investment products are not insured, not obligations of NFCU, and may lose value.

ROTC All-American Scholarship Program

Navy Federal Credit Union’s ROTC All-American Scholarship Program honors the best and brightest ROTC seniors across the nation. Since 2018, the program has received nearly 1,300 ROTC student nominations and donated over $540,000 to ROTC cadets. Navy Federal chooses 15 finalists—five per branch of military service—to become ROTC All-American Scholarship recipients. 

Brandi joins the 2024 ROTC All-American Scholarship Program ‘Students of the Year’, who were selected as the top Air Force, Army and Navy/Marine students. Tune in to learn more about these students who best embody the pillars of the program: Leadership, Military Excellence, Scholarship and Service.

Giving Back through Dollars for Doers

Our team members at Navy Federal log serious volunteer hours. Listen in to find out how 2 volunteer leaders used our Navy Federal Serves programs, like Dollars for Doers, to give the people and places we live and serve the most support they could. 

How to Use Your Credit Card During the Holiday Season

Drew Tsitos, Navy Federal’s Manager of Credit Card Products, shares tips on how to make the best use of your credit card during the holiday season and how Navy Federal’s newest card may complement your lifestyle perfectly. 

Benefits of Banking with a Credit Union

Becoming a member of a financial institution, such as a credit union, lays the foundation of your relationship to money. From there, you can determine how your lifestyle can align with your financial priorities. Mehdi Dinia, Vice President of Membership, and Clay Stackhouse, Regional Outreach Manager, discuss the benefits of a credit union and how we put members' best interest first. 

Financial and Economic Check-In

Between rising interest rates and the fluctuating cost of living, many are wondering when we might start to see some relief—and it could be sooner rather than later. Host Emily Bigham sits down with Corporate Economist, Robert Frick, and Personal Finance Manager, Thomas Racca, to get a pulse on the economy and how members can feel in control of their finances.  

Choosing the Best Credit Card

There’s a wide range of credit cards out there. Our credit card expert, Rick Conyers, breaks down which Navy Federal card may be right for you. Tune in to hear advice, from finding the best card to improving your credit score. 

Above and Beyond Service

Brandi Gomez and Navy Federal’s Executive Vice President of Branch Operations—and former U.S. Navy Blue Angel—Keith Hoskins, take a closer look at the world-class service members find at their local branches, and the relationships they build as a result. Hear how passionate we are about going above and beyond to support our members. 

New Generation of Savers

Brandi Gomez and Navy Federal’s Assistant Vice President of Savings Products Operations, CJ Pointkowski, talk about raising the next generation of savers with powerful tips and tools for their youngest members. Tune in to hear how you can start bringing financial awareness to your children, instilling strong habits in them that they'll carry into adulthood. 

The College Financing Journey

Navy Federal’s Assistant Vice President of the Education Lending team, Caroline Currie, and Manager of Personal Finance Management, Thomas Racca, discuss the financial responsibility attached to higher education. They’ll explore various aspects of the college journey, including preparation, saving and post-graduation planning. 

The Mission Continues: Service to Military Veterans

In honor of Veterans and Military Families Month, Marine Corps Veteran and president of The Mission Continues, Mary Beth Bruggeman, joins the podcast with Brandi Gomez. They discuss Navy Federal's partnership with The Mission Continues, and how together they support Veterans by connecting them with leadership opportunities in their own communities. 

Let a special Veteran in your life know what their service means to you at Navy Federal’s #GratitudeMission Challenge. 

What You Should Know About Managing Your Credit Cards

Explore how credit cards can be a powerful tool for you and your finances with this week's episode. Assistant Vice President Elly Szymanski shares tips and insights to help you better manage your credit cards and make the most of your money. 

Commitment Connects us - Service Beyond Banking

Host Brandi Gomez sits down with veteran, military spouse and Navy Federal’s VP of Winchester and Contact Center Operations, Dottie Day. Dottie dives in on how Navy Federals' service goes beyond banking. Listen to how our commitment to service connects us to the military, our members and the communities we serve in. 

Making Home-Buying Easier

In this episode, host Brandi Gomez welcomes Navy Federal’s AVP Field Mortgage, Christopher Davis. Tune in to gain some home-buying tips and hear about the different services Navy Federal offers to help ease the home-buying process.  

Managing Your Budget During a Changing Economy

In this episode, Navy Federal’s Assistant Vice President Corporate Economist, Robert Frick and Manager of Personal Finance Management, Thomas Racca join the podcast to share their thoughts on the current state of the economy and offer tangible tips to help you budget during rough economic conditions. 

How to Manage Your Finances Through Inflation and Market Volatility

In today’s economy, inflation and market volatility can change your financial plan. Rates are rising and prices are going up. For most of us, it’s a great reminder to adjust our investments and strategies. In this episode, we’re joined by Navy Federal Financial Group’s Kevin Driscoll, Vice President of Investment Services and Certified Financial Planner, and Katie Hill, Financial Advisor and Chartered Financial Consultant. Tune in as they advise what you can do to manage your finances during these times.

Navy Federal Talks Military Appreciation with Special Guest James Johnson, CEO of Operation Gratitude

In honor of Military Appreciation Month, Operation Gratitude President and CEO, James Johnson, joins the MakingCents podcast and new host, Brandi Gomez, to share his own military experience and discuss the non-profit’s work and partnership with Navy Federal. Tune in to learn more.

Best Careers for Military Spouses

We partnered with Hire Heroes USA to survey 2,000+ military spouses on what matters most in a career for them. The results? A list of the top 10 industries and career paths that offer flexibility and mobility. In this episode, we’re joined by Matt Vean, Assistant Manager of Commercial Business Lending, to discuss his personal experience as a military spouse in search of a fulfilling career, hiring tips that served him well and his takeaways from this project. Tune in to take a closer look at the military spouse experience and Navy Federal’s resources for military spouses. Visit navyfederal.org/militaryspouse for more information. 

What You Need to Know About Student Loans

No matter when you’re navigating the student loan journey, we want to make sure it’s as simple to understand as possible. In this episode, we’re joined by Brittany Mills, Assistant Manager of Education Lending at Navy Federal. Listen as we dive into all things student loans—from choosing between loan options, to meeting loan requirements and to creating healthy financial habits as a student. Tune in to get a closer look at what the changes this past year has meant for student loans and what to expect going forward.   

How to Place a Winning Offer on a Home in 2021

Buying a home for the first time can seem like a daunting task, especially in today's market. In this episode, real estate agent and military family member Josh Chapman joins us to discuss his history of working with servicemembers during their home-buying journeys. Emily and Josh will cover home-buying tips, VA loans, today's market and common mistakes to avoid when searching for your dream home. 

Navy Federal and Operation Homefront Celebrate Military Appreciation

In this episode, we're joined by Operation Homefront for a wrap-up of our Military Appreciation Month celebrations. Hear from Robert Thomas, Operation Homefront's COO, as he shares about the organization and their mission. The conversation also touches on military lifestyle and personal finance, and the key moments in servicemembers' careers. Tune in to hear more and visit operationhomefront.org.

Military Saves: The Month, the Pledge and Super Savers

In this episode, we’re joined by Angela Caban, Director of Military Saves at the Consumer Federation of America, and a military spouse herself. She shares info about Military Saves Month, including what the month means, how to take the pledge and how the organization partners with Navy Federal. Expect conversation around the work Military Saves does to help servicemembers and vets commit to better savings habits, savings misconceptions in the military and more.

These products are not NCUA/NCUSIF or otherwise federally insured, are not guaranteed or obligations of Navy Federal Credit Union (NFCU), are not offered, recommended, sanctioned, or encouraged by the federal government, and may involve investment risk, including possible loss of principal.

Civilian Job Searching for Veterans in 2021

In this episode, career expert Jon Barton, a Marine Corps Sergeant and combat veteran, talks about tips for transitioning to a civilian career. After he retired from service in 2010 to focus on his own business ideas, Jon vowed that any businesses he created would be dedicated to helping vets find jobs--guiding and mentoring risk-seekers like himself who were driven to become entrepreneurs. Jon offers tangible guidance to help servicemembers and veterans navigate career shifts in 2021 and tips for how to translate your military service into civilian terms on a resume.

What servicemembers need to know about transitioning to civilian life

Following Veterans Day, Navy Federal Regional Outreach Manager and retired U.S. Marine Corps Colonel, Clay Stackhouse discusses important considerations during the transition to civilian life, including discussing Navy Federal's "Best Cities After Service" list. Clay Stackhouse is a regional outreach manager with Navy Federal and a retired Marine Colonel who spent 25 years as a Marine Aviator, traveling to 34 countries and completed 5 combat/contingency deployments. For more information on NFCU's "Best Cities After Service" visit https://www.navyfederal.org/bestcities today. 

Understanding the Value of VA Loans

VA loans are a great perk for servicemembers to take advantage of when buying or refinancing homes. In this episode, Navy Federal's Vice President of Field Mortgage, Kevin Parker, makes it clear what to expect when getting a VA loan, including understanding funding fees and navigating eligibility confirmation. Kevin Parker is Navy Federal's Vice President of Field Mortgage; a long-time mortgage professional, he has helped Navy Federal members become homeowners for the last 7 years.

Saving for the holiday season

While you should always be focused on saving, with the holiday season right around the corner, Navy Federal's Senior Vice President of Savings Products, Jaspreet Chawla, gives us the lowdown on what you should be focused on right now. Jaspreet Chawla is Navy Federal's Senior Vice President of Savings Products. With over 15 years of experience at Navy Federal, she manages the strategy and performance of all savings and checking products.

Welcome to MakingCents!

Welcome to first ever episode of MakingCents, a podcast brought to you by Navy Federal Credit Union. Your host, Emily Bigham will be chatting with Navy Federal's experts on how to help you make sense of your money. As members of the military, veterans and their families, financial health can mean anything from transitioning to civilian life, re-thinking your budget during a time of economic uncertainty, discussing how to have “the money talk” with family, and so much more. Emily is here to ask the right questions and make sure you’re getting the information you need to make the most of your money. Subscribe today and tune in each week. Tell us the financial questions you want answered, today. You can reach Emily and the team at [email protected]. From Emily and the team, welcome to MakingCents—"Making Your Financial Health Our Mission."