DISCLAIMER: The information shared in this podcast is intended for general education and entertainment purposes only and is not financial, tax, or investment advice. Every financial situation is unique, and you should consult with a qualified financial advisor, tax professional, or attorney for advice specific to your circumstances. Products and services discussed may be offered by 3Rivers Federal Credit Union, which is federally insured by the NCUA and an Equal Housing Lender. Membership eligibility required. 3Rivers does not guarantee the accuracy or completeness of the information shared by guests and assumes no liability for any decisions made based on this content.
The Financial Wellness Podcast
Welcome to The Financial Wellness Podcast by 3Rivers Credit Union—where real conversations meet real-life money goals. Whether you’re just starting out, trying to bounce back, or working toward your next big milestone, we’re here to help you build confidence and clarity in your financial journey. We sit down with experts, community voices, and everyday people to talk honestly about what it takes to manage money in today’s world. From saving and budgeting to building credit, paying off debt, and beyond, we’ll unpack the topics that matter most... with a focus on progress, not perfection. Because financial wellness isn’t one-size-fits-all. And we’re all learning as we go.
Welcome to The Financial Wellness Podcast by 3Rivers Credit Union—where real conversations meet real-life money goals. Whether you’re just starting out, trying to bounce back, or working toward your next big milestone, we’re here to help you build confidence and clarity in your financial journey. We sit down with experts, community voices, and everyday people to talk honestly about what it takes to manage money in today’s world. From saving and budgeting to building credit, paying off debt, and beyond, we’ll unpack the topics that matter most... with a focus on progress, not perfection. Because financial wellness isn’t one-size-fits-all. And we’re all learning as we go.
Episodes

4 days ago
Ep. 39: Dream Maker
4 days ago
4 days ago
Meaningful relationships and genuine curiosity can build trust, connection, and financial confidence over time. Through heartfelt stories and practical insights, we explore the impact of truly listening, asking better questions, and helping people feel seen beyond their finances.

Wednesday May 27, 2026
Ep. 38: Rich in Public, Broke in Private
Wednesday May 27, 2026
Wednesday May 27, 2026
Social media and lifestyle pressure can distort reality. We talk about choosing financial integrity over appearances—and the freedom that comes with it.

Wednesday May 13, 2026
Ep. 37: Comfort is Expensive
Wednesday May 13, 2026
Wednesday May 13, 2026
Convenience, subscriptions, upgrades, and avoidance can quietly drain your future. This episode examines the true cost of staying comfortable — and when discomfort leads to growth.

Wednesday Apr 29, 2026
Ep. 36: These Are My Confessions... My Money Confessions, That Is!
Wednesday Apr 29, 2026
Wednesday Apr 29, 2026
In this honest (and slightly hilarious) episode, we share our real-life money confessions—from cringe-worthy mistakes to those, “I knew better but did it anyway” moments. We unpack why money decisions can be so emotional, why shame keeps us silent, and how normal it is to learn the hard way. No judgment—just real talk, good laughs, and a reminder that we all mess up sometimes.

Wednesday Apr 15, 2026
Ep. 35: Cultural Differences with Money
Wednesday Apr 15, 2026
Wednesday Apr 15, 2026
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.

Wednesday Apr 01, 2026
Ep. 34: You Don't Have a Money Problem, You Have a Courage Problem
Wednesday Apr 01, 2026
Wednesday Apr 01, 2026
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.

Wednesday Mar 18, 2026
Ep. 33: Help Yourself Before Helping Others
Wednesday Mar 18, 2026
Wednesday Mar 18, 2026
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.

Wednesday Mar 04, 2026
Ep. 32: Operating Out of Fear or Fantasy?
Wednesday Mar 04, 2026
Wednesday Mar 04, 2026
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.

Wednesday Feb 11, 2026
Ep. 31 Being a good Financial Wellness Partner
Wednesday Feb 11, 2026
Wednesday Feb 11, 2026
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.

Wednesday Jan 28, 2026
Ep. 30 How to Maintain Financial Wellness While Struggling
Wednesday Jan 28, 2026
Wednesday Jan 28, 2026
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.





