Send us a text Remember the thrill of earning your very first dollar? Whether it came from a lemonade stand, mowing lawns, or another childhood venture, that moment teaches invaluable lessons about work, value, and possibilities. In our season finale, Frankie and Alfredo explore the exciting world of youth entrepreneurship through personal stories and practical guidance. Alfredo shares how he earned his first dollars around age 11 by mowing neighborhood lawns with his father's guidance, whil...
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Send us a text Remember the thrill of earning your very first dollar? Whether it came from a lemonade stand, mowing lawns, or another childhood venture, that moment teaches invaluable lessons about work, value, and possibilities. In our season finale, Frankie and Alfredo explore the exciting world of youth entrepreneurship through personal stories and practical guidance. Alfredo shares how he earned his first dollars around age 11 by mowing neighborhood lawns with his father's guidance, whil...
Send us a text Remember the thrill of earning your very first dollar? Whether it came from a lemonade stand, mowing lawns, or another childhood venture, that moment teaches invaluable lessons about work, value, and possibilities. In our season finale, Frankie and Alfredo explore the exciting world of youth entrepreneurship through personal stories and practical guidance. Alfredo shares how he earned his first dollars around age 11 by mowing neighborhood lawns with his father's guidance, whil...
Send us a text Frankie and Alfredo explore the real costs of moving out and establishing independence, sharing their different experiences transitioning from living with parents to managing their own households. Hidden expenses beyond rent include utility deposits, application fees, and the surprising cost of groceries.First-time movers often underestimate how quickly food costs add up, especially when eating out!Creating an emergency fund is essential for unexpected expenses like car repairs...
Send us a text Tackling the daunting challenge of saving for college requires early planning, consistent effort, and understanding all available options. Frankie and Alfredo share their personal experiences and practical strategies to help families navigate the journey toward funding higher education. Average four-year college costs now approach $100,000 for in-state students including room and board.Personal savings, scholarships, and federal student aid form the foundation of college fundin...
Send us a text In our 17th episode, Frankie and Alfredo explore what makes a smart money choice and share their own practical strategies for families to build positive financial habits together. We discuss how thoughtful planning and avoiding impulse purchases can lead to better financial outcomes for both parents and children. A few quick tips: Smart money choices involve having well-thought-out reasons for purchases rather than making impulse decisions.Creating shopping lists helps fa...
Send us a text Giving back to our communities builds stronger families and teaches important financial values beyond just saving and spending. We explore multiple ways families can work together to make an impact through volunteering, charitable giving, and everyday acts of kindness. Giving back involves three key elements: talent, time, and treasureAnimal shelters offer great volunteer opportunities for families with limited financial resourcesCredit unions like Premier America Credit Unio...
Send us a text Taxes are portions of our income and purchases that fund essential public services and infrastructure in our communities. We break down the concept of taxes for families and kids, explaining how they work at local, state, and federal levels to support resources we use daily. Different types of taxes include sales tax on purchases and income tax on earningsTaxes fund community resources like parks, libraries, schools, and first respondersChildren often experience "paycheck sho...
Send us a text Budgeting is a powerful tool to ensure we're not overspending and helps us achieve our financial goals through proper planning. Always start a budget by setting clear goals like saving for a trip, vehicle, or special purchase like the next game!Break down your goals into manageable amounts (like saving $10/month for six months to reach $60)For kids, begin by listing all money sources such as allowance or giftsCall it a "spending plan" rather than a budget to frame it positive...
Send us a text Spending money has never been easier, but tracking it is crucial for your short- and long-term financial health. Frankie & Alfredo explore practical ways to determine if you're spending too much and how to build better money habits for your entire family. Make a plan and hold yourself accountable with budgetingPay yourself first by prioritizing savings before spendingUse mobile banking apps to categorize and visualize your spendingWatch for red flags like inability to cov...
Send us a text This week, Frankie and Alfredo break down the key differences between credit and debit cards in simple terms that families can understand together over donuts and orange juice. Debit cards pull directly from your own money in your checking accountCredit cards use borrowed money that must be paid back, sometimes with interestPlastic cards make it easy to lose track of spending compared to using cashCarrying limited cash for certain purchases helps create natural spending boundar...
Send us a text Frankie and Alfredo demystify credit cards by sharing personal experiences and practical guidance for responsible use. They emphasize the potential of credit cards as valuable tools for building credit when handled wisely rather than dangerous financial traps. Credit cards are lines of credit that allow continuous borrowing after repaymentFinding trustworthy information is the crucial first step in choosing a credit cardSecured credit cards offer a safer option by borrowing aga...
Send us a text In the latest Launch, Frankie & Alfredo explore credit scores as financial report cards that measure how responsibly you handle money, explaining the concept in family-friendly terms and sharing personal experiences to help listeners avoid common credit pitfalls. We cover: Credit scores are three-digit numbers (typically 350-800) that act like a GPA for your financial behaviorPayment history is the biggest factor affecting your credit scoreOther significant factors include ...
Send us a text Credit is simply trust that allows people to borrow for purchases with a promise to pay back according to specific terms. We explain the concept through relatable examples like borrowing video games from friends or books from the library. In this episode, we discuss: How credit helps people make large purchases like homes and cars when they don't have all the money upfront.Frankie shares how her grandmother gave her first experience with credit by selling her a car with a...
Send us a text In this episode, families join Frankie and Alfredo and discover how credit unions serve as valuable tools for financial education and support while empowering them to access essential loans. We explore the collaborative nature of credit unions, the different types of loans we offer, and the significance and importance of financial literacy. We cover: • Exploring what credit unions can provide • Explaining loans and their benefits • Learn the nature of the cooperati...
Send us a text Today, Frankie & Alfredo check in on the importance of finding the right checking account. Checking accounts are an essential tool for daily spending, especially for kids learning to navigate personal finance. The episode covers practical usage, age requirements, and ways to foster financial literacy through engaging activities. • Importance of distinguishing between checking and savings accounts • Ways children can use their checking accounts in everyday life ...
Send us a text We go back to the basics in this episode of The Launch with Frankie and Alfredo, exploring the basics of a savings accounts. Together, you'll learn: • What a savings account is and see its benefits • The analogy of planting seeds to explain savings • Importance of interest in savings growth And! You'll learn about the Youth Smart Savings account from Premier America! Learn More: https://www.premieramerica.com/bank/accounts/youth Federally...
Send us a text Episode 5 of The Launch touches on explaining what a credit union is and why it is important to put your money into a savings account. Frankie & Alfredo also share their thoughts on: • Overview of savings and financial goals • Differences between banks and credit unions • Benefits of being a member of a credit union • Role of credit unions in educating youth Our Weekly Challenge: Visit a local credit union! See our locations: https://www.pre...
Send us a text The episode emphasizes the importance of patience in reaching financial goals as a family. Frankie and Alfredo share personal stories, strategies, and engage listeners in a family challenge that encourages collaboration in saving. • Discusses how childhood experiences shape understanding of patience • Highlights the distinction between wants and needs • Offers practical strategies for fostering patience in children • Relates personal anecdotes around saving a...
Send us a text This episode revolves around the vital concept of distinguishing between wants and needs, providing families with relatable scenarios to foster discussion and understanding. Practical examples, personal stories, and a family challenge encourage listeners to engage in meaningful financial conversations that shape responsible decision-making skills. • Exploring the definition of wants and needs • Relatable scenarios to engage kids and parents • Personal anecdot...
Send us a text Ever wondered how teaching kids to save can shape their future? We promise that by the end of this episode, you'll have practical tools to engage your children in financial planning, making it a fun family adventure. Join us, Frankie and Alfredo, as we reminisce about our own childhood savings goals—like that memorable tea-cup set—and share how these small achievements can build a foundation of pride and responsibility in young savers. We explore strategies to help child...
Send us a text Imagine being a kid again, standing in a store, faced with the delicious dilemma of choosing between saving for that coveted toy or surrendering to the sweet allure of a candy bar. Join us in this episode of The Launch, as Frankie and I, Alfredo, bring this scenario to life, sharing personal stories from our childhoods about the powerful lessons learned from saving. Frankie reminisces about her journey to acquire a princess teacup set, highlighting how patience and plann...
Send us a text Remember the thrill of earning your very first dollar? Whether it came from a lemonade stand, mowing lawns, or another childhood venture, that moment teaches invaluable lessons about work, value, and possibilities. In our season finale, Frankie and Alfredo explore the exciting world of youth entrepreneurship through personal stories and practical guidance. Alfredo shares how he earned his first dollars around age 11 by mowing neighborhood lawns with his father's guidance, whil...
