In this episode, Andy talks with Kevin Umberger, CPA and Director with Blue & Co., LLC, about some of the tax implications of the One Big Beautiful Bill Act. This will be beneficial as you prepare to file your 2025 taxes. Please note, the information provided is not intended to be tax advice and should only be used for informational purposes. Please consult your tax advisor for you specific tax situation.

For more information, please visit us at Smarter Money Life.

You can also view this episode with captions here: Smarter Money Life on YouTube.

Reference to, or information about, any specific product or service by name, trademark, trade name, or service mark in the Smarter Money Life podcast does not constitute an endorsement of that product or service. Federally Insured by NCUA.

© 2025, FORUM Credit Union. All rights reserved. Reproduction in any form is prohibited.

In this episode, Andy goes through several tips for BEFORE, DURING, and AFTER your Black Friday shopping to help you be prepared, save money, and reduce stress. This is a great episode for anyone who enjoys tips to help plan for holiday shopping!

For more information, please visit us at Smarter Money Life.

You can also view this episode with captions here: Smarter Money Life on YouTube.

Reference to, or information about, any specific product or service by name, trademark, trade name, or service mark in the Smarter Money Life podcast does not constitute an endorsement of that product or service. Federally Insured by NCUA.

© 2025, FORUM Credit Union. All rights reserved. Reproduction in any form is prohibited.

In this episode, Andy talks with Bryson Murray, Manager of Indirect Lending at FORUM Credit Union, about the ins and outs of buying or leasing your next car. They go through the pros of buying and the pros of leasing, plus some great tips on negotiating your best deal. You are not going to want to miss the valuable info in this episode!

For more information, please visit us at Smarter Money Life.

You can also view this episode with captions here: Smarter Money Life on YouTube.

Reference to, or information about, any specific product or service by name, trademark, trade name, or service mark in the Smarter Money Life podcast does not constitute an endorsement of that product or service. Federally Insured by NCUA.

© 2025, FORUM Credit Union. All rights reserved. Reproduction in any form is prohibited.

In this episode, Andy talks about what it means to live a frugal lifestyle (spoiler: it might not be as dull and boring as you think!), and ways to watch your spending so that you can live frugally and achieve your lifestyle goals! This episode provides helpful tips for anyone who wants to find ways to stretch their income and reach their financial goals.

For more information, please visit us at Smarter Money Life.

You can also view this episode with captions here: Smarter Money Life on YouTube.

Reference to, or information about, any specific product or service by name, trademark, trade name, or service mark in the Smarter Money Life podcast does not constitute an endorsement of that product or service. Federally Insured by NCUA.

© 2025, FORUM Credit Union. All rights reserved. Reproduction in any form is prohibited.

In this episode, Andy talks with Kurt Niles, VP of Underwriting at FORUM Credit Union, about the five main characteristics that lenders examine when reviewing a person's borrowing profile. They also cover the importance of being a strong borrower and how it can save you substantial money over your lifetime. Regardless of where you are in your credit journey, you will gain valuable information in this episode.

For more information, please visit us at Smarter Money Life.

You can also view this episode with captions here: Smarter Money Life on YouTube.

Reference to, or information about, any specific product or service by name, trademark, trade name, or service mark in the Smarter Money Life podcast does not constitute an endorsement of that product or service. Federally Insured by NCUA.

© 2025, FORUM Credit Union. All rights reserved. Reproduction in any form is prohibited.

In this episode, Andy talks through several questions you need to begin answering as early as your 30s to ensure that you are prepared to retire when you want with the amount of money you will need to live the lifestyle you want. This episode is beneficial for everyone because it's never too early to begin preparing for retirement!

For more information, please visit us at Smarter Money Life.

You can also view this episode with captions here: Smarter Money Life on YouTube.

Reference to, or information about, any specific product or service by name, trademark, trade name, or service mark in the Smarter Money Life podcast does not constitute an endorsement of that product or service. Federally Insured by NCUA.

© 2025, FORUM Credit Union. All rights reserved. Reproduction in any form is prohibited.

In this episode, Andy talks with several parents of current or recently-graduated college students about how they prepared their kids to handle money while away at college. They go through the important accounts to have, how to teach them a bit about budgeting, keeping their money safe, and how to find discounts. These parents share valuable pointers. If you have a child leaving home for college or starting out on their own, you are not going to want to miss the tips in this episode!

For more information, please visit us at Smarter Money Life.

You can also view this episode with captions here: Smarter Money Life on YouTube.

Reference to, or information about, any specific product or service by name, trademark, trade name, or service mark in the Smarter Money Life podcast does not constitute an endorsement of that product or service. Federally Insured by NCUA.

© 2025, FORUM Credit Union. All rights reserved. Reproduction in any form is prohibited.

In this episode, Andy talks about the essential financial habits that everyone needs. Whether you are just starting out on your financial journey or have been on it awhile, you will benefit from the tips Andy shares!

For more information, please visit us at Smarter Money Life.

You can also view this episode with captions here: Smarter Money Life on YouTube.

Reference to, or information about, any specific product or service by name, trademark, trade name, or service mark in the Smarter Money Life podcast does not constitute an endorsement of that product or service. Federally Insured by NCUA.

© 2025, FORUM Credit Union. All rights reserved. Reproduction in any form is prohibited.

In this episode, Andy talks with Chelsea Coleman, a Mortgage Loan Originator at FORUM, about what first-time homebuyers should expect - everything from down payments to credit scores to PMI. If you are thinking of buying your first home, you will want to check out this episode!

For more information, please visit us at Smarter Money Life.

You can also view this episode with captions here: Smarter Money Life on YouTube.

Reference to, or information about, any specific product or service by name, trademark, trade name, or service mark in the Smarter Money Life podcast does not constitute an endorsement of that product or service. Federally Insured by NCUA.

© 2025, FORUM Credit Union. All rights reserved. Reproduction in any form is prohibited.

In this episode, Andy talks through the situations where people could use a financial advisor or coach. Spoiler Alert: most people would benefit from an advisor or coach during their lifetime! Check out this episode and see how a financial advisor or coach could help you reach your financial goals.

For more information, please visit us at Smarter Money Life.

You can also view this episode with captions here: Smarter Money Life on YouTube.

Reference to, or information about, any specific product or service by name, trademark, trade name, or service mark in the Smarter Money Life podcast does not constitute an endorsement of that product or service. Federally Insured by NCUA.

© 2025, FORUM Credit Union. All rights reserved. Reproduction in any form is prohibited.