Money means different things to different people—and culture plays a big role in shaping those beliefs. In this episode, we explore how family traditions, upbringing, and cultural values influence saving, spending, giving, and financial decision-making.

What if the issue isn’t your income, your debt, or your budget—but your willingness to face it?

In this episode, we unpack how avoidance, fear, and self-doubt keep us stuck financially—and how courage is often the missing ingredient to real progress. 

Before you can truly support others financially, you need a solid foundation yourself.

In this episode, we talk about why “putting on your own oxygen mask first” applies to money, how to build stability, and practical steps to strengthen your financial confidence before stepping in to help others. 

Do you operate from fear or fantasy when thinking about your finances?

Money can trigger more than numbers—it can activate fight, flight, freeze, or fawn. In this episode, we explore how those stress responses shape the way we spend, save, avoid, or overextend ourselves.

From impulsive decisions to financial avoidance or people-pleasing, understanding your pattern is the first step toward building a plan rooted in clarity instead of emotion.

If you’ve ever felt stuck, stressed, or overly optimistic about money, this conversation will help you move forward with confidence.

How can 3Rivers be a good partner on your Financial Wellness journey. Mirza joins the podcast to talk about what it means to provide excellent service.

Financial Wellness takes work, but what do you do when you don't have the energy? This week, we're discussing strategies for navigating difficult times and how saving and preparation can help when you lack the mental energy to focus on your finances.

Mike Sinish joins Ashlee and Austin to talk about doing what's right for 3Rivers members, including how debt consolidation can help you achieve your financial wellness goals. 

This week, we are bringing you a discussion with 3Rivers Mortgage Servicing Manager David Delamarter. Ashlee, Austin, and David talk about whether or not you should pay an escrow shortage at once or over the course of the year, what to do if your mortgage payment goes up, and more!

Ashlee and Austin are joined by Branch Manager Todd Laubhan to discuss strategies for helping your kids learn to manage their money and prioritize financial wellness.

Austin and Ashlee investigate how our beliefs and emotions inform what we do with our money and why it might be time to take another look at some long-term habits.