Opening a savings account might not seem like a big milestone, but the habits that start with that very first account can last a lifetime. In this episode of The Source: People with Purpose, Katie sits down with Amanda from the Rome Branch to talk about why financial education should start early and how youth accounts can help children build confidence, responsibility and healthy money habits from a young age.

From birthday money and holiday gifts to first jobs and debit cards, this conversation explores how kids can begin learning the value of money at an early age. Katie and Amanda discuss how children can develop healthy habits around saving, spending and managing money responsibly. They also talk about how modern banking tools, mobile apps and reward programs can make financial education more engaging for younger generations. Along the way, they share practical ways parents can help guide important money conversations and build confidence that lasts well into adulthood.

Whether you're a parent looking to set your child up for success or simply wondering when financial education should begin, this episode offers practical advice and a reminder that it's never too early to start building a strong financial foundation.

We Cover:
• Why opening a youth account can help build confidence and financial responsibility early
• How saving programs and rewards can make learning about money fun for kids
• The benefits of teaching children how checking accounts, debit cards, and credit work
• Why giving kids ownership of their own accounts creates valuable life lessons
• How small financial habits today can lead to stronger financial futures tomorrow


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Show Markers:
(0:00) - Introduction & Background
(1:00) - Youth Education
(2:10) - First Source Youth Account Types
(5:15) - Youth Debit Cards
(8:00) - Digital Offerings
(8:55) - Building Good Credit Habits Early
(11:25) - Own Account vs. Sub Shares
(13:45) - Asking Questions & Being Comfortable
(15:05) - Don't Believe Everything You Hear Online
(16:40) - It's Never Too Early, It's Never Too Late

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First Source's Links:
Website - https://www.fsource.org
FB - https://www.facebook.com/fsourcefcu
IG - https://www.instagram.com/fsourcefcu
YouTube - https://www.youtube.com/user/fsourcefcu


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Love Living Local Links:
Podcast Email - media@lovelivinglocal315.com
Website - https://www.lovelivinglocal315.com
YouTube - https://www.youtube.com/@lovelivinglocal315
Facebook - https://www.facebook.com/lovelivinglocal315
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TikTok - / lovelivinglocal315

In this episode of The Source: People with Purpose, the conversation gets real about money myths, credit mistakes, saving habits and the financial lessons people wish they learned earlier in life. Katie sits down with Tom, Lynn, Lou, and Deb from First Source to talk through the realities of growing up financially. From seeing taxes come out of a first paycheck to learning the hard way about credit cards, debt and saving for the future.

What makes this episode so relatable is how honest everyone is about their own experiences. There’s no pretending anyone had it all figured out in their 20s. The group shares stories about buying first homes, overspending on credit cards, learning to budget and realizing that small financial habits can have a huge impact over time. They also break down some of the biggest misconceptions younger generations have around money, investing and financial advice.

This episode is full of practical advice, but more importantly, it’s a reminder that financial wellness is not about being perfect. It’s about building good habits, asking questions, learning as you go and understanding that it’s never too early or too late to start making smarter financial decisions.

We Cover:
• Why building credit early can make a huge difference later in life
• The importance of saving small amounts consistently over time
• Common money mistakes people make in their 20s and 30s
• Why financial advice and education don’t have to cost money
• Real stories and lessons from people who learned financial wellness the hard way


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Show Markers:
(0:00) - Introduction & Background
(1:00) - When Did Money Become Real?
(3:30) - Wants vs. Needs
(4:15) - Buying First House Wake Up
(5:45) - Building Credit
(7:45) - One Money Lesson For Younger Self
(9:30) - First Source Educational Resources
(10:15) - It's Okay to Have Hard Times
(13:30) - Room to Room Lesson
(15:05) - "I'll Start Saving Later"
(17:30) - Best Time was Yesterday
(20:30) - Teach Your Children Early
(24:00) - Little Changes Compound

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First Source's Links:
Website - https://www.fsource.org
FB - https://www.facebook.com/fsourcefcu
IG - https://www.instagram.com/fsourcefcu
YouTube - https://www.youtube.com/user/fsourcefcu


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Love Living Local Links:
Podcast Email - media@lovelivinglocal315.com
Website - https://www.lovelivinglocal315.com
YouTube - https://www.youtube.com/@lovelivinglocal315
Facebook - https://www.facebook.com/lovelivinglocal315
Instagram - https://www.instagram.com/lovelivinglocal315
TikTok - / lovelivinglocal315

In this episode of The Source, Katie Ullman sits down with Bobby Nole to break down what young buyers really need to know before signing on the dotted line. From pre-approvals and monthly payments to insurance, warranties and credit scores, this conversation keeps things practical without making it overwhelming.

One of the biggest takeaways from this episode is that affordability means more than just “Can I make the payment?” Bobby and Katie talk through the hidden costs people forget about, the importance of budgeting and why buying the dream car too early can sometimes hold you back later in life. They also explain how First Source works with members at every stage, whether you’re buying your first car at 16 with a cosigner or rebuilding your credit after a few bumps in the road.

We Discuss:
• Why getting preapproved before shopping can save you money and stress
• The real costs of owning a car beyond the monthly payment
• How GAP protection and extended warranties can protect you
• Why budgeting is one of the most important tools for any major purchase
• How younger buyers can start building credit through teen auto loan programs and smart borrowing habits


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Show Markers:
(0:00) - Introduction & Background
(2:00) - Where to Start?
(3:05) - Pre-Approval Process
(4:30) - Affordability & Depreciation
(6:00) - Considering all the Variables
(7:15) - Budget Worksheet
(8:20) - Credit History & 0% Offers
(10:40) - Extras & Gap Insurance
(13:25) - Financial Checkups
(15:20) - Options For Different Stages of Life

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First Source's Links:
Website - https://www.fsource.org
FB - https://www.facebook.com/fsourcefcu
IG - https://www.instagram.com/fsourcefcu
YouTube - https://www.youtube.com/user/fsourcefcu


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Love Living Local Links:
Podcast Email - media@lovelivinglocal315.com
Website - https://www.lovelivinglocal315.com
YouTube - https://www.youtube.com/@lovelivinglocal315
Facebook - https://www.facebook.com/lovelivinglocal315
Instagram - https://www.instagram.com/lovelivinglocal315
TikTok - / lovelivinglocal315