A texter just came into a bunch of money and wants to know what debt they should pay off first, car loans or credit cards. A texter wants to know if they should start a college fund for their kid or a ROTHIRA. A texter and his wife has $10,000 in credit card debt and want to know if they should take out a loan to pay the debt. Todd recommends checking out NFCC.org for more info on debt.

Texters want to know the best way to save money giving gifts this holiday season. A texter has extra money from a recent house sale and wants to roll his car payment into his new mortgage. A texter just came into a bunch of cash and wants to know where to get the best interest rate. A texter wants to know the best way to build credit on a credit card. A texter wants to know where to invest money, like silver or gold. A texter wants to know if they should get an auto loan or pay with their 401k.

A texter wants to know if Student Loans fall off your report after 7 years. A texter wants to know if they should refinance their house and car loans. A texter wants to know if they should invent in a mutual fund. Todd shares his thoughts on 401k’s versus ROTH401k.  

BECU is having an EV test drive auto event. A texter wants to know if they have to pay federal taxes on life insurance. Todd talks about the website NFCC.org, a non-profit organization that helps with debt. A texter has an opportunity to pay off a loan but it would drain his cash reserves; should he do it? A texter just got divorced and lost all of their retirement. They are 42, how should they start saving?

Texters want to know if they should buy a house now or a later based on their current credit. A texter wants to gift a jersey to a friend for helping them in their life. A texter’s daughter is inheriting a house from a relative and wants to make sure they having everything in order.

A texter just got a big raise and wants to know what debt to pay off first. Todd just got a hot tub. A first-time home buyer wants to know the advantages of getting a VA Loan.

Texters want to know what makes BECU different from other banks. Lowest debt balance or highest interest rate first. A texter has grandparents who wants to invest in their grandkids future, where should they put their money? A texter is about to receive 2 years of back pay and wants to know what to do with the money. BJ wants to know if people should invest in CD’s. Todd shares his thoughts on house buying and interest rates. 

A texter wants to know if they should pay off their car with the extra cash they have. Caller Smiley wants to know why he had to pay taxes on his interest through BECU. A texter wants to know how to set up an account and get a debit card. Caller Brandon recently filed for bankruptcy and wants to know how to rebuild credit. Todd shares his thoughts on using cash or getting a loan when it comes to making big purchases.

Todd Pietzsch from BECU joins us. Caller Todd wants to know how BJ is paying for Oh Sara’s wedding. Caller Daniel has a 650ish credit score and had to get a new auto loan; wants to know if he should consolidate his credit cards with a personal loan. Texters want to know if BJ should rent a limo to drive Oh Sara’s stuff down.

A texter wants to know the best way to use a credit card smartly. A texter wants to know what college fund is the best to start for their kid. A texter wants to know how much money the tooth fairy should give.