Small Talks for Big Change

Kids spend more time online than ever, creating new opportunities for scammers to reach them through social media, gaming and messaging platforms. In this episode, Andrew Farrell talks with Jessica Rubalcava and Olga Zlatkova-Georgiev about helping young people recognize red flags, protect their personal information and feel comfortable asking for help. They also share practical ways families can build safer digital habits and encourage kids to pause before acting.

Should couples combine their finances, keep them separate or find a happy medium? In this episode of Small Talks for Big Change, Andrew Farrell is joined by Michele Enriquez and Uslea Martinez to share how they approach money in their own relationships. From splitting expenses and setting shared goals to maintaining financial independence, they explore how open communication and understanding can help couples find an approach that works for them.

Nearly everyone has a financial regret, but mistakes don't have to define your future. Andrew, Michele, and Jerry share personal stories about credit card debt, overspending, and financial setbacks while discussing the behaviors that drive our money decisions. Discover how self-awareness, planning, and the right financial tools can help you recover, build resilience, and make more confident financial choices moving forward.

California is making financial literacy a high school graduation requirement, but what does that actually mean for students and families? Andrew and Michele break down the new mandate, why it took decades to pass, what's included in the curriculum, and how schools, families, and credit unions can help prepare students for real-world financial decisions. From budgeting and credit to college costs and fraud prevention, this episode explores why financial education matters more than ever.

Retirement can feel overwhelming, but getting started doesn't have to be. In this episode, Andrew sits down with Patelco IRA/HSA Specialist Alex Chi to break down retirement savings basics, including IRAs, 401(k)s, Roth vs. Traditional accounts, employer matching, and common rollover questions. Whether you're just starting your first job or thinking more seriously about your future, you'll learn practical steps to build retirement savings with confidence.

Credit impacts everything from loan approvals to interest rates, yet it's still one of the most misunderstood financial topics. In this episode, Andrew sits down with Patelco Enterprise Certified Financial Specialist Erika Karamanos to break down how credit scores work, what influences them, and the most common myths people believe about building credit. You'll also learn practical strategies for improving your score and rebuilding confidence when financial setbacks happen.

Patelco is celebrating two exciting milestones: 90 years of serving members and communities, and 10,000 downloads of Small Talks for Big Change. In this special episode, Andrew sits down with original podcast host Michele Enriquez to reflect on Patelco's journey, the impact of financial education, and some of their favorite moments from the podcast's first 70 episodes. Join us for stories, memories, and a look at what's ahead.

Estate planning can feel overwhelming, but it doesn't have to be. In this episode of Small Talks for Big Change, we sit down with Joaquin Jacquez, Patelco's Specialized Accounts Specialist, to demystify trusts, wills, and what really happens to your accounts when someone passes. Joaquin breaks down key roles like trustees and beneficiaries, explains how trusts help families avoid probate, and shares practical steps to protect your assets and loved ones with confidence.

Elder fraud is on the rise, and the impact goes beyond finances. In this episode, host Andrew Farrell sits down with Michele Enriquez and Mark Southon to explore how scams happen and why older adults are often targeted. Michele shares a powerful personal story of a loved one impacted by fraud, while Mark offers expert insights and prevention tips to help families recognize red flags, have open conversations, and better protect those they care about.

In this episode of Small Talks for Big Change, Michele sits down with Patelco leader Aimee Jackson to break down what really matters when it comes to checking accounts. They explore why fee‑free checking, early payday, personalized financial guidance, and modern digital tools are top priorities for today's consumers. Plus, how simple features like CashBack+, savings tools like RoundUp, and credit score with insight access can help people feel more confident, informed, and in control of their money.