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Making Cents of Money

Making Cents of Money

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Podcast by Making Cents of Money

Making Cents of Money

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Episode 74: Credit Reports Update

We have a Consumer Alert for you – but it’s good news! Experian, Equifax, and TransUnion are allowing access to free, weekly credit reports indefinitely. Check out the latest episode of Making Cents of Money to learn more. Show Notes: You now have permanent access to free weekly credit reports (FTC) - https://consumer.ftc.gov/consumer-alerts/2023/10/you-now-have-permanent-access-free-weekly-credit-reports CFPB Resources: • How do I get a free copy of my credit reports? - https://www.consumerfinance.gov/ask-cfpb/how-do-i-get-a-free-copy-of-my-credit-reports-en-5/ • Fraud Alert - https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/answers/key-terms/#fraud-alert • [Credit] Security Freeze - https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/answers/key-terms/#security-freeze • Office of Research blog: Initial Fresh Start program changes followed by increased credit scores for affected student loan borrowers - https://www.consumerfinance.gov/about-us/blog/initial-fresh-start-program-changes-followed-by-increased-credit-scores-for-affected-borrowers/ • What is the difference between a credit report ad a credit score? - https://www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-a-credit-report-and-a-credit-score-en-2069/

Episode 73: Loan Payments Resumed in October

With the return to repayment for federal student loans in October for millions of loan holders, Nikki and Andrea breakdown the “on-ramp” to repayment being made available, along with several other helpful resources! Show Notes: • Federal Student Aid (FSA) Dashboard o So Your Loan was Transferred, What’s Next?: https://studentaid.gov/articles/your-loan-was-transferred-whats-next/ o Get Out of Default with Fresh Start: https://studentaid.gov/announcements-events/default-fresh-start • Student Loan Updates Webinars o Registration Page: https://go.uillinois.edu/repay o July 14, 2023 - Recording & materials to Log into FSA and Update Contact Info o August 18, 2023 - Recording & materials to Explore Repayment Plans with the Loan Simulator o September 15, 2023 - Recording & materials to Review Consolidation or Refinancing o October 20, 2023 – TBD (Working on it) • Student Loan Management webinar is scheduled for April 3, 2024 @ 12 PM CT: o Registration: https://go.uillinois.edu/getsavvywebinars o SMMC webinars page: https://www.studentmoney.uillinois.edu/events/webinars

Episode 72: Understanding FAFSA

Have questions about FAFSA (Free Application for Federal Student Aid)? Join us as we hear from Beth Groves, Professional Development Specialist from the Illinois Student Assistance Commission, as she talks about major changes to the form, why it's delayed this year, and why it's essential that everyone fills one out when considering post secondary education. Show notes: Illinois Student Assistance Commission: https://www.isac.org/ Federal Student Aid: www.studentaid.gov

Episode 71: World Investor Week

It's World Investor Week! Listen to Alan Sorcher and Anne McKinley from the U.S. Securities and Exchange Commission discuss the SEC's role in providing education and protection to investors. Resources Discussed in the Show • World Investor Week: https://www.worldinvestorweek.org/ • US Securities & Exchange Commission’s Investor-oriented Website: https://www.investor.gov/ o Office of Investor Education and Advocacy: https://www.sec.gov/page/oieasectionlanding o Compound Interest Calculator: https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator o Investor Bulletins (Subscription at bottom of page): https://www.investor.gov/introduction-investing/general-resources/news-alerts/alerts-bulletins • US Securities & Exchange Commission’s Website: https://www.sec.gov/ o Chicago Regional Office: https://www.sec.gov/chicago; Email: chicago@sec.gov o Division of Enforcement: https://www.sec.gov/page/enforcement-section-landing • World Investor Week Collaborators with SEC: o Commodity Futures Trading Commission (CFTC): https://www.cftc.gov/ o Financial Industry Regulatory Authority (FINRA): https://www.finra.org/#/ o North American Securities Administrators Association (NASAA): https://www.nasaa.org/ o National Futures Association (NFA): https://www.nfa.futures.org/ o International Organization of Securities Commissions (IOSCO): https://www.iosco.org/ • Resources & Events to Learn More About Investing: o Upcoming Webinar – Steps to Investing: What to Know Now on February 7, 2024 at 12 PM CT. Registration required: https://go.uillinois.edu/getsavvywebinars o Previous Webinars  Investing Risks & Rewards (recorded February 8, 2023): https://youtu.be/cQm5eCIOY9Y  Steps to Investing (recorded January 26, 2022): https://youtu.be/3AYXsYQup-4  Investing Basics (recorded March 10, 2021): https://youtu.be/OuslkX86bGI o Ep. 57, Investing to Reach Financial Goals: https://on.soundcloud.com/jngYf

Episode 70: The Impact of Compound Interest

We’ve heard the stories of how compound interest can be your best friend. But did you know it can also be your worst enemy? We break down this financial concept in our latest episode of Making Cents of Money! Show Notes: • Compound Interest Calculator: https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator • The Life-Changing Magic of Compound Interest: https://www.forbes.com/advisor/investing/compound-interest/ • Understanding Credit Card Interest: https://www.investopedia.com/articles/01/061301.asp • Relevant articles from the Consumer Financial Protection Bureau: o What is the difference between paying interest and paying off my principal in an auto loan?: https://www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-paying-interest-and-paying-off-my-principal-in-an-auto-loan-en-845/ o How does my credit card company calculate the amount of interest I owe?: https://www.consumerfinance.gov/ask-cfpb/how-does-my-credit-card-company-calculate-the-amount-of-interest-i-owe-en-51/ o What’s the difference between a simple interest rate and a precomputed interest in an auto loan contract?: https://www.consumerfinance.gov/ask-cfpb/whats-the-difference-between-a-simple-interest-rate-and-precomputed-interest-in-an-auto-loan-contract-en-841/ o What is the difference between an interest rate and the Annual Percentage Rate (APR) in an auto loan?: https://www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-an-interest-rate-and-the-annual-percentage-rate-apr-in-an-auto-loan-en-733/ • Interest Rate vs APR: What’s the difference?: https://www.investopedia.com/ask/answers/100314/what-difference-between-interest-rate-and-annual-percentage-rate-apr.asp • Time Value of Money Explained with Formula and Examples: https://www.investopedia.com/terms/t/timevalueofmoney.asp

Episode 69: Understanding Your Paycheck

This episode, we're talking about something you're bound to love: your paycheck! Show Notes: • Tax Withholding Types (IRS): https://www.irs.gov/individuals/international-taxpayers/tax-withholding-types

Episode 68: The Financial Impact of Digital Illiteracy

In today’s society, being digitally literate is a key life skill that we all need. As time goes on, this will only become more important. But did you know that there is a financial impact to you, businesses, and society from lack of digital literacy? Take a listen in our latest episode of Making Cents of Money to find out how. Show notes: ‘Verified’ Twitter accounts share fake image of ‘explosion’ near Pentagon, causing confusion”- https://www.cnn.com/2023/05/22/tech/twitter-fake-image-pentagon-explosion/index.html Anti-vaxxers are costing Americans billions of dollars per year: :https://finance.yahoo.com/news/antivaxxers-costing-americans-billions-each-year-191839191.html Public Act 102-0055: https://www.ilga.gov/legislation/publicacts/fulltext.asp?Name=102-0055 The Economic Cost of Bad Actors on the Internet: https://s3.amazonaws.com/media.mediapost.com/uploads/EconomicCostOfFakeNews.pdf  Resource for checking fake news: https://www.snopes.com/ HoweyTrade from Investor.gov (learn how to identify securities scams): https://www.investor.gov/additional-resources/spotlight/howeytrade

Episode 67: What's a Credit Report Anyway?

Credit Reports are an important tool in managing your finances. But what are they exactly? And how do you get them? Take a listen to find out! Show Notes: • AnnualCreditReport.com – get your free credit reports annually from Experian, TransUnion, and Equifax • Episode 51: Credit Scores: https://on.soundcloud.com/6aXWi • Fair and Accurate Credit Transactions Act of 2003 (FACTA): https://www.ftc.gov/legal-library/browse/statutes/fair-accurate-credit-transactions-act-2003 • How to get your annual credit report from Experian (includes disclaimer about free weekly credit reports through December 31, 2023): https://www.experian.com/help/annual-credit-report.html#:~:text=Through%20December%2031%2C%202023%2C%20Experian,hardship%20caused%20by%20COVID%2D19.

Episode 66: Password Managers

Too many passwords to remember? There's a solution for that- Password Managers! Check out the latest episode of Making Cents of Money to learn how to make your life just a little bit easier. Additional Resources: • Best password manager in 2023” by CNET (June 30, 2023): https://www.cnet.com/tech/services-and-software/best-password-manager/ • Check if your email or phone has been part of a data breach: https://haveibeenpwned.com/

Episode 65: Financial Planner vs. AI

Join us for a unique game show: Financial Planner Donovan Sanchez vs. ChatGPT (a popular artificial intelligence tool). What types of answers does this AI give to financial questions? Does it actually give good financial advice? Listen and find out! Additional Resources: Try ChatGPT yourself: https://openai.com/blog/chatgpt ChatGPT and buying a home: https://fortune.com/recommends/mortgages/i-used-chatgpt-as-my-financial-planner/ Chat GPT Takes on Taxes: https://www.forbes.com/sites/taxnotes/2023/04/04/chatgpt-takes-on-tax/?sh=3099db4070e6 Financial Planner takes ChatGPT for a test drive: https://www.advisorperspectives.com/articles/2023/03/06/a-financial-planner-takes-chatgpt-for-a-test-drive

Episode 64: Help for Renters

In part two of our housing series, Kari Beyer from IDFPR is back to talk about different types of help that may be available for renters and real estate fraud. Additional Resources: Housing Characteristics in Illinois (e.g., Median Gross Rent) From US Census Bureau: https://data.census.gov/profile/Illinois?g=040XX00US17 The White House Blueprint for a Renters Bill of Rights (January 2023): https://www.whitehouse.gov/wp-content/uploads/2023/01/White-House-Blueprint-for-a-Renters-Bill-of-Rights.pdf US Department of Housing and Urban Development (HUD): https://www.hud.gov/ FBI Internet Crime Report 2021: https://www.ic3.gov/Media/PDF/AnnualReport/2021_IC3Report.pdf

Episode 63- Help for Homeowners

The costs of home-ownership, from the initial purchase thru long-term maintenance, continue to rise. Kari Beyer, Director of the APLD & Investigations, joins us to talk about programs designed to help those who may be struggling to cover these costs. Additional Resources: - Making Cents of Money episodes: o Episode 36: Buying a Home! https://on.soundcloud.com/tFdA9 o Episode 37: Renting!: https://on.soundcloud.com/EGJXa o Episode 38: Mortgages: https://on.soundcloud.com/Qhu2W - US Census Bureau Quick Facts for Illinois:https://bit.ly/IllinoisCensus - Illinois Housing Development Authority: https://www.ihda.org/ - Habitat for Humanity of Illinois: https://habitatillinois.org/ - U.S. Department of Housing and Urban Development (HUD): https://www.hud.gov/ -Tax Exemptions: https://tax.illinois.gov/localgovernments/property/taxrelief.html

Episode 62: Get Covered, Illinois

Confused about health insurance? You're not alone. On this episode of Making Cents of Money, Brian Gorman, the Director of Outreach and Engagement for Get Covered Illinois, answers our health care questions. Additional Resource: https://getcovered.illinois.gov/

Episode 61: Help with Utility Bills

Struggling with utility costs? You're not alone! Thanks to the Illinois Low income Home Energy Assistance program (LIHEAP), you may qualify for help, but you have to act fast! Applications are due on May 31! Additional Resources: Utilities Assistance in Illinois (LIHEAP & LIHWAP): helpillinoisfamilies.com Phone: 833-711-0374 Champaign County Regional Planning Committee: https://ccrpc.org/ 1776 E. Washington Street Urbana, IL 61802 Phone: (217) 328-3313 TTY: (217) 384-3864 Fax: (217) 328-2426 Email: info@ccrpc.org

Episode 60: Return to Repayment UPDATE

The return to repayment for federal student loans should be in the next few months. We break down the resources available to help borrowers prepare their budgets in our latest episode of Making Cents of Money! Additional Resources: • COVID-19 Emergency Relief and Federal Student aid updates: https://studentaid.gov/announcements-events/covid-19 • Login Page for Federal Student Aid (get info about your federal loans): https://studentaid.gov/fsa-id/sign-in/landing • Student Loan Management webinar is scheduled for May 3, 2023 @ 12 PM CT: https://go.uillinois.edu/getsavvywebinars • Illinois Attorney General Student Loan Hotline: 1-800-455-2456

Episode 59: Conscious Consumerism

Want to use the power of your wallet to make a difference in the world? Out latest episode of Making Cents of Money explores Conscious Consumers and steps you can take so your money will support what you believe in. Additional Resources: • Get Savvy – How Your Spending Can Change the World webinar (scheduled for 3/29/2023): o Registration: https://go.uillinois.edu/getsavvywebinars o Recording will be on YouTube: https://go.uillinois.edu/getsavvy • Conscious Consumer Spending Index via Good.Must.Grow.: https://goodmustgrow.com/ccsi.php • 2022 Report on US Sustainable Investing Trends via The Forum for Sustainable and Responsible Investment: https://www.ussif.org/trends

Episode 58: Happy International Women's Day!

Happy #InternationalWomensDay! The global celebration celebrates the social, economic, cultural, and political achievements of women worldwide. In our special episode of Making Cents of Money, we talk with UIUC’s Ramya Vaidyanthan, an international student from India who’s also a graduate student at the U of I system’s Student Management Center. She shares how she’s helped teach personal finance to women in her native India and discusses solutions to common financial struggles women face. Additional Resource: The World Bank: Women, Business and the Law: https://wbl.worldbank.org/en/wbl

Episode 57: Investing To Reach Financial Goals

Ready to invest for your future, but not sure where to start? Our latest episode of Making Cents of Money breaks down what you should do and consider before working to make your money grow! Special thanks to Alan Sorcher and Anne McKinley from the SEC for joining us! Additional Resources: • US Securities & Exchange Commission resources: o SEC Investor Education Website: https://www.investor.gov/ o SEC Complaint Form: https://www.sec.gov/tcr o SEC Investor Hotline: (800-732-0330) • Get Savvy - Investing Webinars: o Investing Basics: https://youtu.be/OuslkX86bGI o Steps to Investing: https://youtu.be/3AYXsYQup-4 o Investing Risks & Rewards (on 2/8/2023): https://go.uillinois.edu/getsavvywebinars • "New Research: Racial and Ethnic Disparities Persist Among American Households Who Own Taxable Investments," FINRA Investor Education Foundation, October 7, 2021, https://www.finra.org/media-center/newsreleases/2021/new-research-racial-and-ethnic-dispariti…

Episode 56: Fintech and Digital Assets

Fintech, cryptocurrency, digital assets… you may have heard these terms in the news, but what are they? We discuss this new era of innovation, challenges, opportunities, and what consumers should know in our latest episode of Making Cents of Money! Special thanks to IDFPR Regulatory Innovation Officer David DeCarlo for joining us! Additional Resources: • JP Morgan Institute, Research on the Dynamics and Demographics of U.S. Household Crypto-Asset Use https://www.jpmorganchase.com/institute/research/financial-markets/dynamics-demographics-us-household-crypto-asset-cryptocurrency-use • Financial Stability Oversight Council, Report on Digital Asset Financial Stability Risks and Regulation: https://home.treasury.gov/system/files/261/FSOC-Digital-Assets-Report-2022.pdf • President’s Working Group on Financial Markets, Report on Stablecoins: https://home.treasury.gov/system/files/136/StableCoinReport_Nov1_508.pdf • IDFPR Office of Innovation: https://idfpr.illinois.gov/About/i…

Episode 55: Wealth Building As A Balancing Act

It’s important to save for the future, but also not miss our on life experiences. We discuss keys to wealth building, while balancing short- and long-term goals, in our latest episode of Making Cents of Money. Special thanks to Donovan Sanchez from UIUC’s College of Agricultural and Consumer Economics for joining us! Additional Resources: Previous Making Cents of Money episodes: • Episode 12 – Preparing for Retirement: https://soundcloud.com/idfpr/episode-12-preparing-for-retirement?utm_source=clipboard&utm_campaign=wtshare&utm_medium=widget&utm_content=https%253A%252F%252Fsoundcloud.com%252Fidfpr%252Fepisode-12-preparing-for-retirement • Episode 25 – Choosing a Financial Professional: https://soundcloud.com/idfpr/episode-25-choosing-a-financial-professional?utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing • Episode 33 – Establishing a Vision for Your Life: https://soundcloud.com/idfpr/episode-33-establishing-a-vision-for-your-life?u…

Episode 54: Financial Resolutions!

Planning those New Year’s Resolutions for 2023? We have tips for you to help set financial goals – along with keeping them! - in our latest episode of Making Cents of Money! Additional resources • Revisiting Travel podcast: https://soundcloud.com/idfpr/episode-53-revisiting-travel?utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing • Get Savvy webinars available on the SMMC website: https://www.studentmoney.uillinois.edu/events/webinars • Sources: o “Fewer Americans are making New Year’s resolutions this year” (CBS News, Dec 31, 2021): https://www.cbsnews.com/news/new-years-resolutions-americans-opinion-poll/ o “This New Year’s Set Goals, Not Resolutions” (Forbes, Dec 9, 2021): https://www.forbes.com/sites/ashleystahl/2021/12/09/this-new-years-set-goals-not-resolutions/?sh=69b7ec521ece o “A Study of 800 million activities predicts most New Year’s resolutions will be abandoned on January 19: How to create new habits that actually stick” (Inc.co…

Episode 53: Revisiting Travel

Traveling this holiday season, or thinking of a big trip in 2023? This episode of Making Cents of Money takes a look at what you should consider when traveling over the holidays - and a look back on our previous podcast, Time to Travel, about what you should think about if traveling in the new year! Additional Resources: • Registration for Spend Less, Travel More (Get Savvy Webinar): http://go.uillinois.edu/getsavvywebinars • Original airing of Time to Travel!: https://soundcloud.com/idfpr/episode-21-time-to-travel?utm_source=clipboard&utm_campaign=wtshare&utm_medium=widget&utm_content=https%253A%252F%252Fsoundcloud.com%252Fidfpr%252Fepisode-21-time-to-travel • “Holiday airfare will be most expensive in 5 years as pandemic fears wane” (CNBC): https://www.cnbc.com/2022/09/12/thanksgiving-christmas-travel-to-lift-airfare.html • “Holiday flights will be pricey and packed. Here are 5 things to know before you book” (NPR): https://www.npr.org/2022/10/31/1131903418/holiday-…

Episode 52: Paying for College with Scholarships

Are you (or your kids) looking for help with scholarships for college? In this episode of Making Cents of Money, we breakdown how you can find scholarships, what scholarship providers look for, and common mistakes to avoid your application. Special thanks to Kara Holloway, Director of Scholarships at UIC, for joining us this episode! Additional resources: • Credit Scores Podcast: https://soundcloud.com/idfpr/episode-51-credit-scores?utm_source=clipboard&utm_medium=text&utm_campaign=social_sharing • Build Credit to Your Advantage webinar: https://youtu.be/FZGqbTavfsY • Funding School with Scholarships webinar: https://youtu.be/OvIoWRREr1I • How to Avoid Scholarship and Financial Aid Scams (FTC): https://consumer.ftc.gov/articles/how-avoid-scholarship-financial-aid-scams • Free Application for Federal Student Aid (FAFSA): https://studentaid.gov/h/apply-for-aid/fafsa • Alternative Application for Illinois Financial Aid: https://studentportal.isac.org/alternativeapp#:~:text=…

Episode 51: Credit Scores

Your credit score is so much more than just a number! In this episode of Making Cents of Money, we explain what they are, how they work, and what you can do to enhance them to improve your access to credit. Additional Resources • Build Credit to Your Advantage webinar on November 9 at 12 PM CT. Registration: https://go.uillinois.edu/getsavvywebinars • What is a credit score? - https://www.consumerfinance.gov/ask-cfpb/what-is-a-credit-score-en-315/ • Understanding How a FICO Credit Score is Determined - https://www.stlouisfed.org/education/continuing-feducation-video-series/episode-1-understanding-how-a-fico-credit-score-is-determined • New FICO Scores via myFICO - https://www.myfico.com/credit-education/credit-scores/new-fico-scores • Who are the credit invisibles? - https://files.consumerfinance.gov/f/documents/201612_cfpb_credit_invisible_policy_report.pdf • Making Cents of Money (episode 42): Credit Access - https://soundcloud.com/id…

Episode 50: Becoming an Entrepreneur!

Thinking of starting your own business? From timing to developing your business plan, our latest episode of Making Cents of Money breaks down what you should consider and do before launch! Additional Resources: • O*NET Interest Profiler: https://www.mynextmove.org/explore/ip • Feasibility Checklist: https://www2.illinois.gov/dceo/SmallBizAssistance/BeginHere/Documents/feasibilitychecklist.pdf • Startup Checklist: go.uic.edu/UICESP-Checklist • Starting Your Business in Illinois Handbook: go.uic.edu/UICESP-StateHandbook • Side Hustles & Small Businesses webinar on October 26 @ 12 PM CT o Event description: https://calendars.uofi.uillinois.edu/detail/3985/33438550 o Registration: https://go.uillinois.edu/getsavvwebinars

Episode 49: Dealing with Emergencies

Do you know what to do when a financial emergency happens? In this episode of Making Cents of Money, we break down the different types of unexpected expenses, how to create a plan, and the factors you should consider. Additional Resources: • Financial Emergency Preparedness (Get Savvy webinar recording): https://youtu.be/3WSkpL9wg_s • Now: https://www.ready.gov/ • During/After: https://www.disasterassistance.gov/ • FEMA Emergency Financial First Aid Kit, https://www.fema.gov/emergency-financial-first-aid-kit • Recovery After Disaster – The Family Financial Toolkit: Minnesota Version (UMN & NDSU Extension), https://drive.google.com/file/d/1mzXr7nWXlDQo6ZliziHCe3Nxy5wUN8RD/view • Download the FEMA App to be receive tips and warning texts, https://www.fema.gov/about/news-multimedia/mobile-app-text-messages • Economic Well-Being of U.S. Households (SHED) from the Federal Reserve Board: https://www.federalreserve.gov/publications/report-economic-well-being-us-households.ht…

Episode 48: Federal Student Loan Forgiveness

We’re breaking down two major federal student loan announcements from the Biden Administration in this episode of Making Cents of Money! Learn how you might be eligible and the steps you’ll need to complete to receive the loan forgiveness! Additional Resources: • PSLF Help Tool: https://studentaid.gov/pslf/ • PSLF Limited Waiver Announcement: https://studentaid.gov/announcements-events/pslf-limited-waiver • Biden Student Debt Relief Plan Announcement: https://studentaid.gov/debt-relief-announcement/ • Biden One-Time Student Loan Cancellation: https://studentaid.gov/debt-relief-announcement/one-time-cancellation • Subscribe to US Dept of Ed Updates: https://www.ed.gov/subscriptions • Blog Post about Biden Administration Student Loan Cancellation & PSLF Limited Waiver: https://blogs.uofi.uillinois.edu/view/7550/1020841708

Episode 47: The Community Reinvestment Act

The Community Reinvestment Act (CRA) helps ensure financial institutions invest in low- and moderate-income communities so that economic equality can be achieved. In this episode of Making Cents of Money, we show how Illinois created its own CRA, how it compares to the federal version, and how it helps create equitable treatment in the financial system. Additional Resources: Making Cents of Money - Credit Access: https://soundcloud.com/idfpr/episode-42-credit-access Illinois CRA: https://www.ilga.gov/legislation/ilcs/ilcs3.asp?ChapterID=20&ActID=4086 Federal CRA: https://www.occ.treas.gov/topics/consumers-and-communities/cra/index-cra.html#:~:text=The%20Community%20Reinvestment%20Act%20of,sound%20operation%20of%20such%20institutions.

Episode 46: Estate Planning

Estate planning is one of the most important aspects of financial preparedness. From wills to power of attorney, we break down the things you need to know and consider on this difficult topic in our latest episode of Making Cents of Money. Additional Resources: • The Conversation Project: https://theconversationproject.org/ • Planning for the Unforeseen (webinar recording): https://youtu.be/LfjixpjkBdY • Power of Attorney for Healthcare: https://www2.illinois.gov/sites/gac/Forms/Documents/POAHealthCareForm2021.pdf • Power of Attorney for Property: https://www2.illinois.gov/sites/gac/Forms/Documents/POAProperty2015.pdf • Estate planning update: The Illinois Transfer on Death Instrument (ISBA, 2013): https://www.isba.org/sections/generalpractice/newsletter/2013/02/estateplanningupdatetheillinoistran • Estate Facts about Vehicle Transfers in Illinois: https://www.ilsos.gov/publications/pdf_publications/vsd275.pdf

Episode 45: Selling a Home

Thinking of selling your home? In our new episode of Making Cents of Money, we breakdown the decisions to weigh and things to consider before you even list your home - and the steps to take to ensure a successful transaction! Additional Resources: • Making Cents of Money episode on Real Estate: https://open.spotify.com/episode/6RKNSvP8xgoqPNuuG74rnF • IDFPR License Lookup Tool for Checking Realtors’ licenses: https://online-dfpr.micropact.com/lookup/licenselookup.aspx. • How to Sell HUD Homes: https://www.hud.gov/program_offices/housing/sfh/reo/hwtosell • Sale of Residence – Real Estate Tax Tips: https://www.irs.gov/businesses/small-businesses-self-employed/sale-of-residence-real-estate-tax-tips • How to sell your house: A complete guide for sellers (Bankrate): https://www.bankrate.com/real-estate/how-to-sell-your-house/

Episode 44: Shopping for Appliances

Needing (or wanting) to shop a new appliance, but don’t know where to start? Our latest episode of Making Cents of Money breaks down the reasons to buy, how to compare appliances, and what to consider and know before making that big purchase. Additional Resources: • Department of Energy: https://www.energy.gov/energysaver/shopping-appliances • Energy Star: https://www.energystar.gov/products/ask-the-expert/what-to-consider-when-buying-a-refrigerator • CFPB Guide on Energy Labels: https://consumer.ftc.gov/articles/how-use-energyguide-label-shop-home-appliances • CFPB Calculating Energy Costs: https://files.consumerfinance.gov/f/documents/cfpb_building_block_activities_calculating-energy-costs_worksheet.pdf • Incentives in Illinois that Support Energy Efficiency: https://programs.dsireusa.org/system/program/il • FTC How to Evaluate Online Reviews: https://consumer.ftc.gov/articles/how-evaluate-online-reviews

Episode 43: Choosing a Credit Card

Considering a credit card? In our latest episode of "Making Cents of Money," our hosts share their processes for choosing one, the factors you should consider, and goals you should have before making your choice! Additional resources: • CFPB Consumer Tools: Credit Cards - https://www.consumerfinance.gov/consumer-tools/credit-cards/ • “How do I shop for a credit card? (CFPB, 2011) - https://www.consumerfinance.gov/about-us/blog/how-do-i-shop-for-a-credit-card/ • Conscious Credit webinar - https://youtu.be/hGBXJsmogdY • CFPB Complaint Portal: www.consumerfinance.gov/complaint

Episode 42: Credit Access

When used responsibly, credit can improve and better one’s life. In this episode of Making Cents of Money, Camaya Wallace Bechard from the University of Illinois Extension joins us again to breakdown the importance of access to credit, options for building and improving credit, and warning signs of discrimination and laws in place to prevent that. Additional Resources Consumer Rights • CFPB Consumer Laws & Regulations: Equal Credit Opportunity Act (ECOA) - https://files.consumerfinance.gov/f/201306_cfpb_laws-and-regulations_ecoa-combined-june-2013.pdf • FTC Credit and Your Consumer Rights - https://www.consumer.ftc.gov/articles/0070-credit-and-your-consumer-rights • Illinois Fair Housing Provisions - https://www2.illinois.gov/dhr/FilingaCharge/Pages/FAQ_Section_VI.aspx#Q1 Discrimination • CFPB Analysis of Differences between Consumer- and Creditor-Purchased Credit Scores - https://files.consumerfinance.gov/f/201209_Analysis_Differences_Consumer_Credit.pdf • University of…

Episode 41: Student Loan Repayment

There have been some big updates in the past few months for federal student loans. In this episode of Making Cents of Money, we take a closer look at the latest federal student loan repayment pause and Public Service Loan Forgiveness (PSLF). What are they, and how do they affect borrowers? Additional resources mentioned in the podcast: • Federal Student Aid (FSA) website: https://studentaid.gov/ Log into this site for information on your federal student loans and to use the student loan simulator! • Get Savvy – Student Loan Repayment webinar recording: https://go.uillinois.edu/getsavvy

Episode 40: Farewell, Jake!

It is bittersweet that we announce Making Cents of Money’s Jacob Hamilton is departing IDFPR! Join us as we say good-bye to Jake, he shares what’s next for him professionally, and what we have in store for the podcast in the future! Mentioned in this episode: If you’re listening to this episode and thinking about career transitions that you’ll be going through, here are some resources that may help: - SMMC’s Earn Badge (self paced course in Moodle): https://www.studentmoney.uillinois.edu/badges/earn - Recorded Webinars o What’s Your Job Worth?: https://www.youtube.com/watch?v=kjxKgtjWBJE o Budget Hacks: https://www.youtube.com/watch?v=cQA18aa6kwg o Financial Tools for Uncertain Times: https://www.youtube.com/watch?v=phufYc2knEw - Don’t forget about career centers, community employment nonprofits, and alumni associations for colleges you’ve attended Jake’s favorite podcasts Inflation: https://open.spotify.com/episode/16LkFBzHwYYTPo8b5U0f9y GDP: https://open.spotify.…

Episode 39: Protecting Pets

Pets are an important part of many families. On this episode of Making Cents of Money, we talked with Presley Fee of the University of Illinois' Financial Planning program to learn ways to manage financial risks, like vet costs and considerations for purchasing pet insurance. Tools: • Is Your Financial Security at Risk? Via University of Illinois Extension: https://web.extension.illinois.edu/risk/intro.cfm • Pet Health Insurance via Illinois Department of Insurance: https://www2.illinois.gov/sites/Insurance/Consumers/ConsumerInsurance/Pets/Pages/pet-insurance.aspx • Cover Your Assets webinar recording: https://youtu.be/zXpO_wA2q-w Statistics Sources: • Pet population still on the rise, with fewer pets per household. via American Veterinary Medical Association: https://www.avma.org/javma-news/2021-12-01/pet-population-still-rise-fewer-pets-household • Pet Insurance Market Share, Upcoming trends, Size, Key Segments, Growth Status and Forecast 2030 via MarketWatch: https://www.…

Episode 38: Mortgages

Securing a mortgage is an important part of the home buying process, but mortgages and mortgage regulations can be complex. Listen to our latest podcast episode to learn about the basics of mortgages as we talk to IDFPR's own APLD Director, Kari Beyer. Additional Resources: Homeowner Assistance: Illinois on HUD.gov: https://www.hud.gov/states/illinois/homeownership/buyingprgms Mortgages – Consumer Education from CFPB: https://www.consumerfinance.gov/consumer-tools/mortgages/ Relevant CFPB articles: “What do I do if my house was damaged, destroyed, or I’m unable to make my payment after a disaster?”: https://www.consumerfinance.gov/ask-cfpb/what-should-i-do-if-my-house-is-destroyed-in-a-natural-disaster-en-1521/ “What exactly happens when a mortgage lender checks my credit?”: https://www.consumerfinance.gov/ask-cfpb/what-exactly-happens-when-a-mortgage-lender-checks-my-credit-en-2005/ “What’s the difference between a prequalification letter and a preapproval letter?…

Episode 37: Renting!

Renters make up more than a third of U.S. households, and spring can be a busy time for renters with leases ending and people moving in and out of new homes. Our latest episode of Making Cents of Money covers some of the crucial steps to renting and some of the major differences between renting and buying. Make sure you go check it out! Additional resources: HUD Rental Page - https://www.hud.gov/topics/rental_assistance IDHA Rental Page - https://www.ihda.org/rental-housing-main/ HUD Legal Aid - https://www.hud.gov/states/illinois/legalaid IDHA Rental Assistance - https://www.ihda.org/about-ihda/illinois-rental-payment-program/

Episode 36: Buying a Home!

Buying a home can be an exciting but complicated process. Tune into this episode of Making Cents of Money to hear us talk about the basics of home buying and how to prepare yourself for this big life event! Additional Resources: • Consumer Financial Protection Bureau: Owning a Home - https://www.consumerfinance.gov/owning-a-home/ o Making the decision to rent or buy: https://www.consumerfinance.gov/about-us/blog/making-decision-rent-or-buy/ o Homeowner road map: https://files.consumerfinance.gov/f/documents/201612_cfpb_HomebuyersMilestoneMap.pdf o What are all the costs of buying a home?: https://www.consumerfinance.gov/owning-a-home/what-are-all-costs-buying-home/ • Buy vs Rent Calculators Examples o Nerd Wallet: https://www.nerdwallet.com/mortgages/rent-vs-buy-calculator o New York Times: https://www.nytimes.com/interactive/2014/upshot/buy-rent-calculator.html o Zillow: https://www.zillow.com/rent-vs-buy-calculator/ • Homeownership…

Episode 35: Employment

Employment and the labor market have dominated headlines throughout the pandemic. In our continuing series on economic indicators, Making Cents of Money breaks down everything you need to know about employment and unemployment, including how it's measured, tracked, and what it means for the economy. Go check it out!

Episode 34: Gross National Happiness

Gross National Happiness is a lesser-known economic indicator that was adopted by the United Nations in 2011. On this episode of Making Cents of Money, we discuss this interesting way to view an economy and break down some of the recent results in the UN's World Happiness Report. Go check it out!

Episode 33: Establishing a Vision for Your Life

Thinking about goals and where you want to get to in life can be difficult, especially after the New Year. On this episode of Making Cents of Money we talk to Donovan Sanchez, Financial Planning Instructor from UIUC College of ACES, about creating a vision for your life and how to incorporate those goals into your financial plans.

Episode 32: Gross Domestic Product (GDP)

Continuing our economic indicator series, this week's episode of Making Cents of Money tackles Gross Domestic Product (GDP) and everything you need to know about this common economic measure. Go make sure to give it a listen! Additional Resource U.S. Bureau of Economic Analysis' Learning Center page on GDP: https://www.bea.gov/resources/learning-center/what-to-know-gdp

Episode 31: Financial Security and Stress

Feeling stressed about finances? You’re not alone, as the holidays can be an especially stressful time of year. Check out the latest podcast of Making Cents of Money for resources and tips. Additional Resources •Community Resources can be found at https://www.211.org/or by calling 211 to speak to someone about resources available locally in your area. •Rental and Mortgage Assistance in Illinois: www.illinoishousinghelp.org •Supplemental Nutrition Assistance Program (SNAP) in Illinois: https://www.dhs.state.il.us/page.aspx?item=30357 •Money Mentors from University of Illinois Extension (for individual financial coaching): https://extension.illinois.edu/cfiv/money-mentors

Episode 30: Inflation

Inflation is an important economic subject. Our Making Cents of Money podcast is going to be covering inflation and other economic indicators in the coming months. If you're curious about inflation, what it is, and what it means for you, be sure to check out our latest episode!

Episode 29: Tackling Insurance! (Part 2)

Do you have questions about health insurance or where to sign up for it? Health insurance can be a complex issue, so that's why in part 2 of our insurance series, we talk to Laura Pellikan from the Illinois Department of Insurance about the basics of health insurance and how to make sure you get covered. Online Resources: Get Covered Illinois - https://www2.illinois.gov/sites/getcovered/Pages/default.aspx (You could also post this in a threaded tweet below the first tweet) Health Insurance Webinar - https://www.youtube.com/watch?v=uxEIjXSjh9o&list=PLc0xo-6von5Sc31gTbXgkDUDCqPzGZ5ab&index=11

Episode 28: Tackling Insurance! (Part 1)

Insurance is one of the most complex financial topics out there – so we’re doing TWO episodes on our Making Cents of Money podcast to make sure we cover it all! In Part 1 (now available online), we talk with Patrice Dziire, Deputy Director of Consumer Education & Protection at the Illinois Department of Insurance, about auto, home, renters, and life insurance. Part two will tackle health insurance – send any questions you might want answered to studentmoney@uillinois.edu! Additional Resources • For specific information about the minimum coverage required for drivers, visit the Illinois Secretary of State’s website: ilsos.gov • Use the Illinois Department of Insurance’s Life Insurance Policy Locator to find a deceased relative’s lost life insurance policy: https://insurance.illinois.gov/Applications/LifePolicyLocator/ • Check for unclaimed property with the Illinois Treasurer’s office: https://icash.illinoistreasurer.gov/ • Have questions for the Illinois Dep…

Episode 27: Student Loan Update

Student loan repayments are just a few months away from starting back up for federal borrowers. Check out our latest episode of Making Cents of Money for information on payment updates, scams, and servicer news!

Episode 26: Emergency Funds

Building an emergency fund is a crucial step towards building a secure financial future. Listen to our latest episode of Making Cents of Money to find out why you should have an emergency fund and how to start saving for one!

Episode 25: Choosing a Financial Professional

Choosing a financial professional can be a tricky process. Check out our latest episode of our Making Cents of Money podcast to find out where to look and what to ask when you're considering beginning this important financial relationship! Additional resources mentioned in the episode: • Choosing a Financial Pro webinar recording: https://youtu.be/PrhWdm-ALX4 • Illinois License Lookup Tool: https://online-dfpr.micropact.com/lookup/licenselookup.aspx • Illinois Securities Department: https://www.cyberdriveillinois.com/departments/securities/home.html • FINRA BrokerCheck: https://brokercheck.finra.org/ • Money Mentors program in IL: http://go.illinois.edu/moneymentors • Housing Counselor: https://www.consumerfinance.gov/find-a-housing-counselor/ • Financial Planning Association: https://www.plannersearch.org/ • NAPHA (Nat Association Professional Financial Advisors: https://www.napfa.org/ • National Foundation for Credit Counseling: https://www.nfcc.org/

Episode 24: Cryptocurrency

Ever wonder why everyone is talking about Bitcoin, Ethereum or all the other cryptocurrencies? Check out our latest podcast with Lamont K. Black to find out what they are, how they work, what they do, and how to purchase them if you're interested! Additional resources mentioned in the episode: Bitcoin: https://bitcoin.org/bitcoin.pdf IDFPR Blockchain Report: https://www.idfpr.com/Forms/2020%2001%2012%20Blockchain%20Report.pdf

Episode 23: Money Personalities & Financial Well-being

How are our financial behaviors shaped and molded? What type of money personality do you have and how does it affect your habits and attitudes? In our latest episode of Making Cents of Money, we take a look at several, FREE online tools available to you! Resources mentioned this episode: • Literature Review: “Family Financial Socialization: Theory and Critical Review” by Clinton Gudmunson & Sharon Danes - https://shibboleth.illinois.edu/idp/profile/SAML2/POST/SSO • Money Harmony - https://www.moneyharmony.com/moneyharmony-quiz • Klontz Money Scripts Inventory - https://www.yourmentalwealthadvisors.com/our-process/your-money-script/ • CFPB Financial Well-being Scale - https://www.consumerfinance.gov/consumer-tools/financial-well-being/

Episode 22: Buying a Car!

Thinking of buying a vehicle? You never know when you might need a new set of wheels, but it's always good to be prepared. From loans and leases, to titles and insurance, we cover the basics of the entire buying process in our latest podcast! Additional resources mentioned in this episode: True Cost of Car Ownership Calculators: • Department of Energy Calculator: https://afdc.energy.gov/calc/ • Edmunds 5-Year Cost of Car Ownership Calculator: https://www.edmunds.com/tco.html • Kelly Blue Book Total Cost of Ownership Calculator: https://www.kbb.com/new-cars/total-cost-of-ownership/ Vehicle Valuation Tools: • Kelly Blue Book: https://www.kbb.com/ • NADA: https://www.nada.com/ Private Vehicle Sales Pamphlet from Illinois Department of Transportation: https://www.cyberdriveillinois.com/publications/pdf_publications/sos_dop141.pdf Get Savvy Webinar – Speed vs Savings: Do You Need a Car?: https://youtu.be/zS52pNPV_FY

Episode 21: Time to Travel!

With travel resuming, it's important to set attainable travel goals, just like with your finances! In this episode of Making Cents of Money, our hosts break down strategies and tips they use, how to prioritize and maximize money on trips, and steps you should take to protect your money. Additional resources mentioned in the episode: • Fuel Economy Trip Calculator: https://www.fueleconomy.gov/trip/ • Making Cents of Money, Episode 3: Technology and Your Money: https://soundcloud.com/idfpr/episode-3-technology-and-your-money • IDFPR's Division of Financial Institutions' License Lookup Tool: https://idfpr.com/DFI/DFILicenselookup.asp • Travel planning article and spreadsheet (available in Microsoft Excel and Google Sheets) from the University of Illinois Student Money Management Center: https://blogs.uofi.uillinois.edu/view/7550/2045942096

Episode 20: Budgeting

Whether you call it a budget or a spending plan, making and sticking to a financial plan can be challenging. On this episode we discuss a few of the most popular budgeting methods to see what might work best for you to turn your goals into realities.

Episode 19: Reintroductions

What are we looking to cover in our Making Cents of Money podcast? Why did we create the podcast? Check out our latest episode to see what’s next!

Episode 18: Professional Licensure in Illinois

Did you know our Division of Professional Regulation regulates hundreds of different types of professional licenses and oversees approximately 1.2 million licensees in Illinois? If you're looking to become licensed yourself or want to learn more about how DPR regulates all our licensees, tune in to our latest episode of Making Cents of Money!

Episode 17: Real Estate

Looking to buy a home but aren't sure who's who in the real estate industry? What different professions are there, how can they help you, and what regulations do they have to follow - especially if you're looking to join the industry yourself? Jeremy Reed, Chief of Licensing and Education from IDFPR's Division of Real Estate, answers those questions - and more!

Episode 16: Student Loans

Student loans are a growing part of US Household debt; as of 2021, Americans hold over $1.7 trillion in student loan debt. On this episode of Making Cents of Money, we welcome Brad Fletcher from IDFPR to talk about student loan options and important protections for consumers. Make sure to check it out! We mentioned many statistics surrounding student loans and student loan debt in this episode. For those of you curious, we’ve compiled some additional statistics with sources below. -Over 45 million people have student loan debt with an average balance of $37,691 including both federal and private education debt (https://www.forbes.com/sites/zackfriedman/2021/02/20/student-loan-debt-statistics-in-2021-a-record-17-trillion/?sh=52fbeb681431). -The total amount of student loan debt in the US surpassed $1.7 trillion in December 2020 according to estimates from the Federal Reserve (https://www.federalreserve.gov/releases/g19/current/default.htm). -Historically, anywhere between 10-11% of…

Episode 15: Credit

Credit can be a confusing topic. Building credit, credit scores, credit invisibility - what do all those terms mean and what steps can you take to have good credit? We're joined by Camaya Wallace Bechard from the University of Illinois Extension and Natalie Daniels from DePaul University to answer those questions (and more!) in this episode of Making Cents of Money As mentioned in this episode, check out the Family Financial Feuds podcast here: https://soundcloud.com/familyfinancialfeuds

Episode 14: Short-selling

Short-selling has been in the news a lot recently and we wanted to explain exactly what that is. On this episode of Making Cents of Money, we welcome back our Director of Banking, Chasse Rehwinkel, to explain what short-selling is and how that played a role in the recent GameStop news.

Episode 13: Investing Basics

One of the best ways to prepare for your future is to invest your money. In this episode of Making Cents of Money, we're joined by Sasha Grabenstetter from University of Illinois Extension to break down the most common forms of investment, how they work and how you can start, the advantages and risks you need to know. Additional resources mentioned in the podcast: -Sign up for the Investing Basics webinar on March 10: https://go.uillinois.edu/getsavvywebinars -Family Financial Feuds podcast: https://soundcloud.com/familyfinancialfeuds (also available on Google Play, iTunes, and Audible)

Episode 12: Preparing for Retirement

For many, saving for retirement can be daunting. In fact, according to the Federal Reserve, a quarter of Americans don’t have any retirement savings. However, saving for retirement can be much simpler than you would think and in Illinois, Secure Choice is an excellent way to get started. On this episode of Making Cents of Money, Courtney Eccles from the Illinois Treasurer’s office joins us to break down the retirement crisis in America and how Illinoisans can start saving with Secure Choice. Learn more about Secure Choice here: https://www.ilsecurechoice.com/

Episode 11: Saving for College with a 529 Savings Plan

Does saving for your children's college have you worried? In this episode of Making Cents of Money, we introduce you to 529 plans: how they work, how they differ from other types of saving accounts, what options are available in Illinois, and how you can use the money without incurring penalties. Featuring two special guests from the Illinois Treasurer's Office: Fernando Diaz, Chief Financial Product Officer John Mitchell, Director of College Savings Additional resources mentioned in the episode: -Sign up for Bright Start: brightstart.com -Sign up for Bright Directions: brightdirections.com -You may also sign up by calling (877) 432-7444 between 7 am and 7 pm on Monday through Friday Bright Start on Social Media: Facebook: https://www.facebook.com/BrightStart529/ Twitter: https://twitter.com/BrightStart529

Episode 10: Taxes!

Tax season is here! Do you have questions about your taxes? What are exemptions and deductions, where can I file, and how do stimulus payments effect your taxes? We cover all of that in this episode of Making Cents of Money, check it out! Links Referenced in the show: Taxes Webinar: https://go.uillinois.edu/getsavvywebinars IRS Free File: https://www.irs.gov/filing/free-file-do-your-federal-taxes-for-free Info on VITA & TCE Programs via IRS: https://www.irs.gov/individuals/free-tax-return-preparation-for-qualifying-taxpayers United Way’s MyFreeTaxes: https://www.unitedway.org/myfreetaxes/unitedway Ladder Up: https://www.goladderup.org/our-services/tax-assistance/ Get Your Stimulus Check (IL): https://getmypaymentil.org/

Episode 9: Financial Education and Financial Literacy

Financial education is essential for our children & their future. On this episode, we discuss financial literacy in the US & programs for ages pre-K through high school. Teachers, school administrators, and parents, this episode is especially for you! Resources discussed in the episode: Economic Awareness Council - https://www.econcouncil.org/ Check you stimulus check status - https://getmypaymentil.org/ On the Money Magazine - https://www.otmonline.org/ Money Minded Illinois - https://illinoistreasurer.gov/Financial_Education/Overview

Episode 8: Holiday Savings Tips and New Year's Goals

Holiday spending have you stressed out? Check out this week’s episode of Making Cents of Money to hear all about some holiday savings tips and tricks and basic financial goal setting for the New Year. Happy Holidays!

Episode 7: The Anti-Predatory Lending Database

This week on the podcast we discuss predatory lending and the Anti-Predatory Lending Database. Our special guest, Katie Liss from IDFPR Division of Banking, breaks down everything you need to know about predatory lending in mortgages and how the APLD helps to mitigate some of these predatory practices. Make sure you check it out so you know how to protect yourself from predatory lending practices!

Episode 6: Fending off Fraud

This week is International Fraud Awareness Week, so we're breaking down what you need to know about fraud. In this episode, we break down what fraud is, the different types scammers might try to pull on you (especially during the COVID-19 pandemic), how to prevent it, and what to do if you do become a victim.

Episode 5: Understanding Credit

You hear the terms all the time: credit score, credit history, credit report. But what does each mean for you? In this episode, we break down each while also taking a look at the benefits of building and managing good credit – and what you can do if you need to rebuild yours. Links referenced in this episode: -Check your credit report free once a year: annualcreditreport.com -Signup for the Conscious Credit webinar on November 11: https://extension.illinois.edu/events/2020-11-11-get-savvy-conscious-credit

Episode 4: Preventing Identity Theft

Identity theft continues to be one of the fastest growing crimes in the United States, with millions of cases now being reported each year. In this episode of Making Cents of Money, we introduce you to some of the most common types and steps you can take to avoid falling victim. Links referenced in the podcast may be found below: FTC’s Identity Theft Recovery Steps: https://www.identitytheft.gov/ FTC data Report: https://www.ftc.gov/system/files/documents/reports/consumer-sentinel-network-data-book-2019/consumer_sentinel_network_data_book_2019.pdf

Episode 3: Technology and Your Money

As new technologies develop, so do new ways to manage your money. Learn more about the different financial technologies ("Fintech") available to you, security methods and tips to keep your money safe, and warning signs to keep an eye out for.

Episode 2: Banked or Unbanked – Choosing Financial Services for You

Why are savings and checking accounts important? What does it mean to be “unbanked” or “underbanked,” and how can it affect you? Join us to find out everything you need to know about Banks and Credit Unions in this episode! Our guests this episode are Illinois' Director of Banking Chasse Rehwinkel and Director of Financial Institutions Francisco Menchaca

Episode 1: Introductions!

Looking for something new to listen to? Check out this new podcast, Making Cents of Money! Brought to you by IDFPR and the University of Illinois System, we'll discuss financial topics twice a month in a fun, easy to understand, fun format.

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