MakingCents with Navy Federal: Recent Episodes
Emily Bigham, Navy Federal Credit Union
Welcome to MakingCents, a podcast brought to you by Navy Federal Credit Union. Your host, Emily Bigham will be chatting with Navy Federal's experts on how to help you make sense of your money. As members of the military, veterans and their families, financial health can mean anything from transitioning to civilian life, re-thinking your budget during a time of economic uncertainty, discussing how to have “the money talk” with family, and so much more. Emily is here to ask the right questions and make sure you’re getting the information you need to make the most of your money. Subscribe today and tune in each week. Tell us the financial questions you want answered, today. You can reach Emily and the team at makingcents@navyfederal.org. From Emily and the team, welcome to MakingCents—"Making Your Financial Health Our Mission."
When nature strikes, your finances can take a serious hit, too. In this episode of MakingCents, host Thomas Racca sits down with Luz Cordero, AVP of Branch Operations for San Diego and Hawaii, to share simple and practical tips on how to storm-proof your money before, during and after the unexpected happens.
In this episode, you'll learn how to:
- Start small and build an emergency savings fund (3:15)
- Organize key documents and digital access before disaster strikes (6:58)
- Spot and avoid the scams that often follow a disaster (10:55)
As Thomas says, "Dig the well before you're thirsty." Tune in and start protecting what matters most today. 🎧
Check out more of these helpful Navy Federal resources:
- Be Prepared and Protect Your Finances in a Disaster
- Name Your Accounts in Digital Banking – Create custom account names like "Emergency Fund" or "Rainy Day Savings" to help organize your finances and track your preparedness goals.
- Emergency Fund Calculator
- Emergency Savings Hub
- 24/7 Member Support: 1-888-842-NFCU (6328)
Starting out on your own can feel exciting and a little overwhelming, especially when it comes to money. In this episode of MakingCents, host Thomas Racca Jr. sits down with Navy Federal intern Ashley Colatarci to talk about building simple money habits that actually work for young adults.
Ashley shares what it’s really like managing money for the first time, from budgeting and subscriptions to social media pressure and unexpected expenses. Together, they break down how small, consistent actions (like checking your account, setting alerts, or saving just a few dollars a week) can make a big difference over time.
- Why Financial Confidence Matters (2:00)
- Social Media & Money: Perception vs. Reality (8:13)
- Managing Money Stress as a Young Adult (10:05)
- Building Money Habits That Stick (26:28)
Whether you’re heading to college, starting your first job, or just trying to build better habits, this episode will help you feel more confident with your money—one small step at a time.
- Track Your Spending: Monthly Spending Calculator
- Get a Full View of Your Money, including our Subscription Manager: Money Management Tool
- Set Up Account Alerts & Notifications: Manage Notifications
Message and data rates may apply. Visit navyfederal.org for more information.
Account balancing isn’t about perfection — it’s about clarity. In this episode of MakingCents, guest host Thomas Racca sits down with Sun Bayless, SVP of Membership and Deposit Products, to talk through smart, realistic ways you can manage money across your checking, savings and other accounts. Skip the stress and balance your accounts with confidence!
- Building a Savings Buffer (8:15)
- Best Practices for Saving (11:08)
- Balancing Short-term and Long-term Goals (15:18)
Whether you’re juggling multiple accounts, building your savings, or just want more peace of mind, below are resources that can help you feel more in control.
- My MakingCents - Track spending, create a budget, monitor credit and view all accounts and investments (even those at other banks)—for free
- Saving Resources – Helpful tips to make your savings experience easier
Message and data rates may apply. Visit navyfederal.org for more information.
On this episode of MakingCents, guest host Clay Stackhouse, Regional Outreach Manager, talks with Brian Parker, Vice President of Member Experience Innovation, about the real financial challenges military members and their families face throughout their service.
Drawing on their military backgrounds, they unpack common misconceptions about military pay and benefits, share practical money moves for deployments and PCS transitions, and offer guidance for planning ahead from budgeting and emergency savings to preparing for life after service.
Listen in for insights on:
- Misconceptions About Military Finances (3:20)
- Building a Financial Foundation for Servicemembers (10:07)
- Preparing for PCS Moves and Deployments (16:15)
- First Steps and Available Resources (19:59)
Discover additional Navy Federal tools and resources to support members through every stage of the military journey.
- Preparing for a PCS – Get tools and financial resources to help you manage military transitions
- PCS Checklist for Military Moves – Use our step-by-step guide to stay organized before, during and after a move
- Military Life Financial Resources – Get support for deployments, family life, benefits and big transitions
- Transitioning From Military to Civilian Life – Find financial planning tips and tools for life after service
In this episode of MakingCents, host Emily Bigham sits down with Thomas Racca, Personal Finance Manager at Navy Federal Credit Union, to unpack the growing impact of sports betting and how it can quietly affect financial well‑being.
With sports betting more accessible than ever, Emily and Thomas break down how betting works, why it’s so easy to get pulled in, and the common red flags that signal when entertainment may be turning into financial risk. Thomas shares how small, seemingly harmless bets can add up over time—and why even knowledgeable, disciplined people can be vulnerable.
Listeners will gain insight into the psychology behind betting, including loss chasing and “almost wins,” along with practical ways to set boundaries, recognize warning signs early, and explore safer alternatives for building income and long‑term financial stability. The episode also highlights how Navy Federal supports members through financial counseling, tools, and resources—ensuring no one has to navigate these challenges alone.
- Understanding Spots Betting: Risks and Realities (4:22)
- The Psychology Behind Betting: Chasing Losses (8:10)
- The Impact of Technology on Sports Betting (12:15)
- Alternatives to Sports Betting: Building Financial Health (16:39)
- Finding Balance: Moderation in Sports Betting (21:05)
Looking to stay informed and protect your money? Here are resources to learn how awareness, planning, and trusted guidance can help you stay in control:
- Free Personal Financial Counseling
- Total Money Management in One Place
- Saving & Budgeting Tips
In this episode of MakingCents, host Emily Bigham talks with Carrie Foran Sepulveda, Vice President of Fraud and Physical Security Strategy at Navy Federal, about romance scams — an increasingly common form of fraud, especially in the digital age when many people are seeking connection online.
Together, they explain how romance scams work, the common red flags to watch for, and why these schemes can be so emotionally and financially damaging. Carrie shares insights from working directly with members, emphasizing how trust and emotional connection are often exploited, and why anyone can be vulnerable.
Listeners will also learn practical steps to protect themselves, what to do if something feels off, and how Navy Federal supports members through fraud prevention and recovery, ensuring no one has to navigate these situations alone. Want to take the next step toward protecting your money?
- Real Romance Scam Stories (00:58)
- Recognizing Red Flags (11:29)
- Practical Steps to Protect Yourself (20:43)
Check out these resources designed to help you stay informed and secure.
- What’s a Financial Scam and How Do You Report One? 24/7 Navy Federal Support
- Common Scams Targeting Active Duty Servicemembers, Veterans and Their Families
- Avoid Phone Scams and Vishing (Voice Phishing)
In this episode of MakingCents, guest host Thomas Racca, Manager of Personal Finance Management at Navy Federal, sits down with Heather Long, Chief Economist at Navy Federal, to break down the financial landscape heading into 2026. Together, they outline why households feel squeezed, what’s changed in the economy, and the practical steps you can take to reset your budget, tackle debt, and rebuild savings using tools like our Emergency Fund Calculator and Mission: Credit Confidence® dashboard.
Thomas and Heather also open up about the personal experiences that shaped how they think about money today. From early missteps to hard‑earned lessons, they reflect on how those moments influence the guidance they give members—and why the supportive, member‑focused approach of a credit union can make navigating finances feel more grounded and attainable.
- Budgeting for Financial Wellness (16:26)
- Strategies for Financial Resilience (24:48)
- Navigating Homeownership Challenges (33:26)
Ready to start the year strong? Explore resources designed to help you take control of your financial goals.
· Free Personal Financial Counseling
· My MakingCents
· Monthly Spending Calculator
In this episode of MakingCents, guest host Clay Stackhouse, Marine veteran and Regional Outreach Manager at Navy Federal, joins Jesse Border, Army veteran and AVP of Branch Operations, and Tracy Owens, Navy veteran and Senior Programs Manager at Support The Enlisted Project (STEP). Together, they share practical strategies and resources to help veterans and their families thrive. You’ll hear insights on financial planning for servicemembers making the transition, how Navy Federal provides personalized banking and planning tools, and STEP’s mission to promote financial self-sufficiency and holistic support for military families. Plus, Clay, Jesse, and Tracy open up about their own experiences, offering real-world perspective and advice.
· From Combat Boots to Corporate Life (00:03)
· Meet the Heroes Behind the Mic (3:06)
· Your Transition Toolkit (8:37)
· Impact Beyond Service (12:49)
Ready for your next chapter? Check out our expert resources designed to support transitioning servicemembers.
· Transitioning From Military to Civilian Life
· Financial Checklist for Military Transition: Planning for Veterans and Retirees
· How to Start a Business as a Veteran
Cybersecurity might seem complex, but with a few simple steps, you can protect what matters most. In observance of Cybersecurity Awareness Month and just ahead of the holiday shopping season—we explore how planning ahead and being proactive can help protect your financial future and personal identity. From password hygiene to recognizing scams, our experts at Navy Federal Credit Union share practical tips to help you safeguard your personal and financial data with confidence. This episode, we’re chatting up with Carrie Foran Sepulveda as she sharesher personal experiences with fraud and scams while offering relatable insights and actionable advice to help you stay protected.
· Understanding Fraud and Cybersecurity (00:18)
· Identifying and Responding to Fraud (10:03)
· The Evolving Landscape of Cyber Threats (15:23)
· Proactive Measures for Holiday Spending (20:41)
Check out our cybersecurity and fraud resources which give members a one-stop spot to protect their identity, manage risk, and keep their finances secure.
· Privacy and Security Resources
· Fraud Resources
· All Things Cybersecurity
Financial planning doesn’t have to feel overwhelming. With the right guidance, it’s more manageable than you think. In this episode, we’re diving into the how and why of planning ahead can empower you to stay aligned with your financial goals. From smart investing to effective debt management, discover how our expert financial planners can help you stay focused, confident, and on track.
- Understanding Financial Goals: Short-term vs Long-term (3:08)
- Navigating Major Life Milestones (9:02)
- Inheritance and Estate Planning (18:08)
- The Role of Financial Advisors (26:49)
Explore how these Navy Federal Investment Services* can help you stay the course of your money goals.
- Navy Federal Investment Services
- Digital Investor
- Find an Advisor
- NFIS Disclosures
*Investments are only sold through Navy Federal Investment Services. Investment products are not insured, not obligations of NFCU, and may lose value.
Managing your finances today is easier, more intuitive, and more personalized than ever. In this episode, we explore how our digital services can help you stay on track with your financial goals. From intuitive mobile banking to advanced budgeting tools, discover how we’ve modernized the way you can manage your money.
- Generational Engagement (3:30)
- New Enhancements in Member Experience (6:10)
- Resources for New Members (13:20)
- Security Innovations (16:14)
Explore the new features in our all-in-one financial hub that can help our members budget, build their credit profiles (1), and reach financial goals. (2)
- Digital Banking Tutorials (2*)
- Checking Account Resources
- How to Enroll in Digital Banking (2*)
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Digital Security Tips
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Recurring Payment Reporting Tool Disclosure ***
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Message and data rates may apply. Visit navyfederal.org for more information.*
In this episode, we break down one of the most common financial decisions many families face—buying a car. Two experts in the consumer lending space at Navy Federal, Joe Pendergast and Kevin Wince, share their insights into the car buying process.
- Leasing versus Buying (0:45)
- Navigating the Car Buying Process (5:16)
- Auto Financing for the Military Community (11:04)
- Right Time to Shop (21:21)
With modern tools and the right strategy to back you up, you can get behind the wheel of your own car without much trouble.
- Leasing vs. Buying a Car – Pros and Cons
- Car Buying: How a Preapproval Can Put You in the Fast Lane
- The Servicemember’s Guide to Car Buying
- When Is the Best Time to Buy a Car?
- Test Drive Your Finance Options
When you’re ready to apply for financing, Navy Federal Credit Union is here for you. Learn how to apply and search for cars domestically and internationally.
Disclosures:
- Credit and collateral subject to approval.
- Active Duty and Retired Military Member discount
- Senior Enlisted Program discount
- CARFAX Vehicle History Reports™
- Guaranteed Asset Protection (GAP)
Emily Bigham sits down with guest Thomas Racca, Manager, Personal Finance Management, to share tips on how to budget for travel plans, earn extra money for your travel funds and stretch your vacation dollars further so you can plan an affordable trip without compromising the fun. Here’s what we’re covering this episode:
· Creating a Realistic Travel Budget (2:04)
· Automating Saving and Utilizing Credit Cards (8:11)
· Budget-Friendly Activities (14:53)
· Using AI as a Travel Agent (22:08)
If you're planning to travel, Navy Federal Credit Union shows you how to save for your trip and secure your finances while traveling.
· Top Travel Tips to Save You Money and Make Your Trip a Success
· Save to Make Your Dream Vacation a Reality
· A Beginner’s Guide to Using Credit Card Points for Travel
· Vacation Security Essentials
Navy Federal Credit Union® Credit Card Disclosures
In this episode, guest host and Retired Marine One Pilot, Clay Stackhouse takes a moment to honor those who serve in our military and the families who support them. Together with Chelsea Smith, Marketing Specialist and military spouse at Navy Federal, they share their personal stories and how we’re connected to those who serve.
- Guest Background (:32)
- Understanding Our Members (9:46)
- USO Partnership (11:25)
Whether you’re deployed, relocating or transitioning to civilian life, you'll find support for military families at Navy Federal—it's what we do.
- Active Duty & Military Families Resources and Benefits
- Military Life – MakingCents
- USO Letter Writing Campaign
Spring is in the air, so it's the perfect time to refresh your financial goals and give your savings plan a thorough spring clean. CJ Pointkowski, assistant vice president of savings products operations, and Thomas Racca, manager of personal finance management, join the podcast to share 3 approaches members can use to get a head start on reaching their financial goals.
- Spring Clean Your Finances (2:46)
- Smart Saving Strategies (12:05)
- Right Saving Tools (16:50)
Navy Federal has the tools to help you stay on track. Whether it's setting up an automatic transfer to a savings account, reviewing your current savings plan or exploring a new savings product, you’ll find great resources to help you stay on top of your money.
- MakingCents: A financial education hub with comprehensive resources, calculators and articles to explore.
- My MakingCents: Total money management in one place, a member-only benefit providing a 360-degree view of your finances.
- Free Personalized Finance Counseling: This members-only benefit connects you with a counselor for support tailored to you.
*Investments are only sold through Navy Federal Investment Services. Investment products are not insured, not obligations of NFCU, and may lose value.
Navy Federal Credit Union’s ROTC All-American Scholarship Program honors the best and brightest ROTC seniors across the nation. Since 2018, the program has received nearly 1,300 ROTC student nominations and donated over $540,000 to ROTC cadets. Navy Federal chooses 15 finalists—five per branch of military service—to become ROTC All-American Scholarship recipients.
Brandi joins the 2024 ROTC All-American Scholarship Program ‘Students of the Year’, who were selected as the top Air Force, Army and Navy/Marine students. Tune in to learn more about these students who best embody the pillars of the program: Leadership, Military Excellence, Scholarship and Service.
Our team members at Navy Federal log serious volunteer hours. Listen in to find out how 2 volunteer leaders used our Navy Federal Serves programs, like Dollars for Doers, to give the people and places we live and serve the most support they could.
Drew Tsitos, Navy Federal’s Manager of Credit Card Products, shares tips on how to make the best use of your credit card during the holiday season and how Navy Federal’s newest card may complement your lifestyle perfectly.
Becoming a member of a financial institution, such as a credit union, lays the foundation of your relationship to money. From there, you can determine how your lifestyle can align with your financial priorities. Mehdi Dinia, Vice President of Membership, and Clay Stackhouse, Regional Outreach Manager, discuss the benefits of a credit union and how we put members' best interest first.
Between rising interest rates and the fluctuating cost of living, many are wondering when we might start to see some relief—and it could be sooner rather than later. Host Emily Bigham sits down with Corporate Economist, Robert Frick, and Personal Finance Manager, Thomas Racca, to get a pulse on the economy and how members can feel in control of their finances.
There’s a wide range of credit cards out there. Our credit card expert, Rick Conyers, breaks down which Navy Federal card may be right for you. Tune in to hear advice, from finding the best card to improving your credit score.
Brandi Gomez and Navy Federal’s Executive Vice President of Branch Operations—and former U.S. Navy Blue Angel—Keith Hoskins, take a closer look at the world-class service members find at their local branches, and the relationships they build as a result. Hear how passionate we are about going above and beyond to support our members.
Brandi Gomez and Navy Federal’s Assistant Vice President of Savings Products Operations, CJ Pointkowski, talk about raising the next generation of savers with powerful tips and tools for their youngest members. Tune in to hear how you can start bringing financial awareness to your children, instilling strong habits in them that they'll carry into adulthood.
Navy Federal’s Assistant Vice President of the Education Lending team, Caroline Currie, and Manager of Personal Finance Management, Thomas Racca, discuss the financial responsibility attached to higher education. They’ll explore various aspects of the college journey, including preparation, saving and post-graduation planning.
In honor of Veterans and Military Families Month, Marine Corps Veteran and president of The Mission Continues, Mary Beth Bruggeman, joins the podcast with Brandi Gomez. They discuss Navy Federal's partnership with The Mission Continues, and how together they support Veterans by connecting them with leadership opportunities in their own communities.
Let a special Veteran in your life know what their service means to you at Navy Federal’s #GratitudeMission Challenge.
Explore how credit cards can be a powerful tool for you and your finances with this week's episode. Assistant Vice President Elly Szymanski shares tips and insights to help you better manage your credit cards and make the most of your money.
Host Brandi Gomez sits down with veteran, military spouse and Navy Federal’s VP of Winchester and Contact Center Operations, Dottie Day. Dottie dives in on how Navy Federals' service goes beyond banking. Listen to how our commitment to service connects us to the military, our members and the communities we serve in.
In this episode, host Brandi Gomez welcomes Navy Federal’s AVP Field Mortgage, Christopher Davis. Tune in to gain some home-buying tips and hear about the different services Navy Federal offers to help ease the home-buying process.
In this episode, Navy Federal’s Assistant Vice President Corporate Economist, Robert Frick and Manager of Personal Finance Management, Thomas Racca join the podcast to share their thoughts on the current state of the economy and offer tangible tips to help you budget during rough economic conditions.
In today’s economy, inflation and market volatility can change your financial plan. Rates are rising and prices are going up. For most of us, it’s a great reminder to adjust our investments and strategies. In this episode, we’re joined by Navy Federal Financial Group’s Kevin Driscoll, Vice President of Investment Services and Certified Financial Planner, and Katie Hill, Financial Advisor and Chartered Financial Consultant. Tune in as they advise what you can do to manage your finances during these times.
In honor of Military Appreciation Month, Operation Gratitude President and CEO, James Johnson, joins the MakingCents podcast and new host, Brandi Gomez, to share his own military experience and discuss the non-profit’s work and partnership with Navy Federal. Tune in to learn more.
We partnered with Hire Heroes USA to survey 2,000+ military spouses on what matters most in a career for them. The results? A list of the top 10 industries and career paths that offer flexibility and mobility. In this episode, we’re joined by Matt Vean, Assistant Manager of Commercial Business Lending, to discuss his personal experience as a military spouse in search of a fulfilling career, hiring tips that served him well and his takeaways from this project. Tune in to take a closer look at the military spouse experience and Navy Federal’s resources for military spouses. Visit navyfederal.org/militaryspouse for more information.
No matter when you’re navigating the student loan journey, we want to make sure it’s as simple to understand as possible. In this episode, we’re joined by Brittany Mills, Assistant Manager of Education Lending at Navy Federal. Listen as we dive into all things student loans—from choosing between loan options, to meeting loan requirements and to creating healthy financial habits as a student. Tune in to get a closer look at what the changes this past year has meant for student loans and what to expect going forward.
Buying a home for the first time can seem like a daunting task, especially in today's market. In this episode, real estate agent and military family member Josh Chapman joins us to discuss his history of working with servicemembers during their home-buying journeys. Emily and Josh will cover home-buying tips, VA loans, today's market and common mistakes to avoid when searching for your dream home.
In this episode, we're joined by Operation Homefront for a wrap-up of our Military Appreciation Month celebrations. Hear from Robert Thomas, Operation Homefront's COO, as he shares about the organization and their mission. The conversation also touches on military lifestyle and personal finance, and the key moments in servicemembers' careers. Tune in to hear more and visit operationhomefront.org.
In this episode, we welcome back our corporate economist Robert Frick, an expert in behavioral economics and former journalist. Join us as Robert and Emily chat through the current economic climate, COVID-19’s impact on travel and small businesses, what we can expect going forward for our own finances and investments, and more.
In this episode, we’re joined by Angela Caban, Director of Military Saves at the Consumer Federation of America, and a military spouse herself. She shares info about Military Saves Month, including what the month means, how to take the pledge and how the organization partners with Navy Federal. Expect conversation around the work Military Saves does to help servicemembers and vets commit to better savings habits, savings misconceptions in the military and more.
These products are not NCUA/NCUSIF or otherwise federally insured, are not guaranteed or obligations of Navy Federal Credit Union (NFCU), are not offered, recommended, sanctioned, or encouraged by the federal government, and may involve investment risk, including possible loss of principal.
Join as we continue our timely retirement planning discussion with Kevin Driscoll, Vice President of Advisory Services at Navy Federal Financial Group. In this episode, we’ll talk emergency and rainy day funds, certificates, financial pressures, the choice between a credit union and a bank and more.
These products are not NCUA/NCUSIF or otherwise federally insured, are not guaranteed or obligations of Navy Federal Credit Union (NFCU), are not offered, recommended, sanctioned, or encouraged by the federal government, and may involve investment risk, including possible loss of principal
In this episode, we share retirement planning guidance from our team at Navy Federal Financial Group. Hear from Kevin Driscoll, the group’s Vice President of Advisory Services and a certified financial planner of over 20 years, as he talks through what you need to know. Expect conversation around retirement planning, IRAs, the effect of COVID-19 on retirement accounts, tips to help you choose between blended retirement system vs. traditional 401(k) or IRA and more.
These products are not NCUA/NCUSIF or otherwise federally insured, are not guaranteed or obligations of Navy Federal Credit Union (NFCU), are not offered, recommended, sanctioned, or encouraged by the federal government, and may involve investment risk, including possible loss of principal
In this episode, career expert Jon Barton, a Marine Corps Sergeant and combat veteran, talks about tips for transitioning to a civilian career. After he retired from service in 2010 to focus on his own business ideas, Jon vowed that any businesses he created would be dedicated to helping vets find jobs--guiding and mentoring risk-seekers like himself who were driven to become entrepreneurs. Jon offers tangible guidance to help servicemembers and veterans navigate career shifts in 2021 and tips for how to translate your military service into civilian terms on a resume.
Following Veterans Day, Navy Federal Regional Outreach Manager and retired U.S. Marine Corps Colonel, Clay Stackhouse discusses important considerations during the transition to civilian life, including discussing Navy Federal's "Best Cities After Service" list. Clay Stackhouse is a regional outreach manager with Navy Federal and a retired Marine Colonel who spent 25 years as a Marine Aviator, traveling to 34 countries and completed 5 combat/contingency deployments. For more information on NFCU's "Best Cities After Service" visit https://www.navyfederal.org/bestcities today.
VA loans are a great perk for servicemembers to take advantage of when buying or refinancing homes. In this episode, Navy Federal's Vice President of Field Mortgage, Kevin Parker, makes it clear what to expect when getting a VA loan, including understanding funding fees and navigating eligibility confirmation. Kevin Parker is Navy Federal's Vice President of Field Mortgage; a long-time mortgage professional, he has helped Navy Federal members become homeowners for the last 7 years.
The COVID-19 pandemic has shaken the economy and left many Americans concerned. In this episode, we bring on Navy Federal's economist, Robert Frick, to discuss how the economy has shifted in 2020 and offer tips and tricks to make your money go further in this uncertain moment. Robert Frick is Navy Federal's corporate economist, an expert in behavioral economics, Robert was a local and national business journalist for 3 decades before joining Navy Federal.
While you should always be focused on saving, with the holiday season right around the corner, Navy Federal's Senior Vice President of Savings Products, Jaspreet Chawla, gives us the lowdown on what you should be focused on right now. Jaspreet Chawla is Navy Federal's Senior Vice President of Savings Products. With over 15 years of experience at Navy Federal, she manages the strategy and performance of all savings and checking products.
Welcome to first ever episode of MakingCents, a podcast brought to you by Navy Federal Credit Union. Your host, Emily Bigham will be chatting with Navy Federal's experts on how to help you make sense of your money. As members of the military, veterans and their families, financial health can mean anything from transitioning to civilian life, re-thinking your budget during a time of economic uncertainty, discussing how to have “the money talk” with family, and so much more. Emily is here to ask the right questions and make sure you’re getting the information you need to make the most of your money. Subscribe today and tune in each week. Tell us the financial questions you want answered, today. You can reach Emily and the team at makingcents@navyfederal.org. From Emily and the team, welcome to MakingCents—"Making Your Financial Health Our Mission."