YesTalk

Money affects nearly every decision we make, yet it's something many people were never taught to navigate. Add the unique realities of living in Hawaiʻi, from the cost of living and housing to planning for the future, and it's clear that financial education should reflect the community it serves. 

We’re kicking off Yes Talk with Natalie Werts, a longtime First Hawaiian Bank leader, to bring financial education back down to earth with honest stories, local context, and practical steps you can use right away.

We talk about why money conversations get uncomfortable, especially in one of the most expensive states in the country, and why personal finance advice must reflect Hawai'i realities like high housing costs, pricey childcare, and multigenerational family responsibilities. Bailey shares what it’s like juggling multiple real-life milestones at once, from buying a first home to planning a wedding, and we unpack the stress that comes with not knowing what’s “normal” during the mortgage process.

Natalie breaks down what first-time buyers often struggle with, including the constant paperwork and the confusing umbrella term “closing costs,” and she explains how a banker or loan officer can guide you without judgment. We also get into modern budgeting help, like mobile banking tools and calculators, plus the small habits that actually move the needle over time: automatic transfers to savings, paying yourself first, and starting early so compound interest can work for you. And we bust a big myth along the way: wealth planning is not only for the wealthy!

Real conversations. Local perspectives. Financial confidence. 

Talk soon! 

Our podcast is hosted by Buzzsprout. Please review the privacy policies below for information about how data is processed and how personal information is collected and used:

Buzzsprout’s Privacy Policy link: Buzzsprout Privacy Policy

FHB’s Privacy Policy link: Privacy | First Hawaiian Bank 

Deposit products offered by First Hawaiian Bank, Member FDIC. Equal Housing Lender

Welcome to YesTalk, First Hawaiian Bank’s official podcast, hosted by Baylie Gallagher.

YesTalk features authentic conversations with leaders, subject matter experts, employees, and community partners on topics that matter, from financial wellness and education to leadership, innovation, and community impact.

Be sure to subscribe wherever you listen to podcasts and follow along as we explore ideas and conversations that advance financial well-being, strengthen businesses and enrich our Hawaiʻi community.

Real conversations. Local perspectives. Financial confidence.

Talk soon!

Our podcast is hosted by Buzzsprout. Please review the privacy policies below for information about how data is processed and how personal information is collected and used:

Buzzsprout’s Privacy Policy link: Buzzsprout Privacy Policy

FHB’s Privacy Policy link: Privacy | First Hawaiian Bank 

Deposit products offered by First Hawaiian Bank, Member FDIC. Equal Housing Lender