Dollars & Sense

Watch the full-length episode on YouTube: https://www.youtube.com/@DollarsAndSense. Podcast Follow us on Instagram: https://www.instagram.com/hapoccu/ https://www.instagram.com/dollarsandsense.podcast/ Building credit doesn’t have to mean taking on debt you don’t need. In this episode of Dollars & Sense, we break down what building credit actually looks like, especially for young adults who ar...

Watch the full-length episode on YouTube: https://www.youtube.com/@DollarsAndSense. Podcast Follow us on Instagram: https://www.instagram.com/hapoccu/ https://www.instagram.com/dollarsandsense.podcast/ Investing can feel more confusing than ever. The stock market is near record highs, new investment products are constantly emerging, and financial advice is everywhere. In this episode of Dollars &a...

Watch the full-length episode on YouTube: https://www.youtube.com/@DollarsAndSense. Podcast Follow us on Instagram: https://www.instagram.com/hapoccu/ https://www.instagram.com/dollarsandsense.podcast/ You’ve spent decades saving for retirement. But once you finally get there, what do you actually do with the money? In this episode of Dollars & Sense, Scott sits down with Cameron from Peterson...

Watch the full-length episode on YouTube: https://www.youtube.com/@DollarsAndSense. Podcast Follow us on Instagram: https://www.instagram.com/hapoccu/ https://www.instagram.com/dollarsandsense.podcast/ What does it really take to turn an idea into a business? Vanessa and Dimitri didn’t start with a perfect plan. They started with a 10x10 booth, a vision, and a willingness to figure things out as t...

Watch the full-length episode on YouTube: https://www.youtube.com/@DollarsAndSense. Podcast Follow us on Instagram: https://www.instagram.com/hapoccu/ https://www.instagram.com/dollarsandsense.podcast/ A medical emergency can impact a lot more than your health. Unexpected medical bills, lost income, depleted emergency savings, insurance costs, and months away from work can completely change your f...

Watch the full-length episode on YouTube: https://www.youtube.com/@DollarsAndSense. Podcast Follow us on Instagram: https://www.instagram.com/hapoccu/ https://www.instagram.com/dollarsandsense.podcast/ In this episode of Dollars & Sense, two current college students and an incoming freshman discuss what it actually takes to manage money while attending college. Karlie and Sydney share the expe...

Watch the full-length episode on YouTube: https://www.youtube.com/@DollarsAndSense. Podcast Follow us on Instagram: https://www.instagram.com/hapoccu/ https://www.instagram.com/dollarsandsense.podcast/ Tax problems usually don't start all at once. They build slowly through missed filings. Tax problems can grow fast when they are ignored, misunderstood, or handled alone. In this episode of Dol...

Watch the full-length episode on YouTube: https://www.youtube.com/@DollarsAndSense. Podcast Follow us on Instagram: https://www.instagram.com/hapoccu/ https://www.instagram.com/dollarsandsense.podcast/ Most business owners don't realize how much time, money, and risk are tied up in the way they manage their banking. From driving checks to the bank and manually processing payroll to protecting...

Watch the full-length episode on YouTube: https://www.youtube.com/@DollarsAndSense. Podcast Follow us on Instagram: https://www.instagram.com/hapoccu/ https://www.instagram.com/dollarsandsense.podcast/ Most people don’t realize how many small financial habits quietly impact their future. In this episode of the Dollars & Sense Podcast, the team sits down to talk about the biggest financial mist...

Watch the full-length episode on YouTube: https://www.youtube.com/@DollarsAndSense. Podcast Follow us on Instagram: https://www.instagram.com/hapoccu/ https://www.instagram.com/dollarsandsense.podcast/ Scams are changing and most people don’t realize how fast. In this episode, we sit down with fraud analyst Jen to break down how AI is reshaping the way scams work, why they’re becoming more convinc...

Watch the full-length episode on YouTube: https://www.youtube.com/@DollarsAndSense. Podcast Follow us on Instagram: https://www.instagram.com/hapoccu/ https://www.instagram.com/dollarsandsense.podcast/ Most people think they’ll figure out investing later. The problem is, later gets expensive. In this episode, we sit down with Cameron Ridgeway from Petersen Hastings to break down the biggest financ...

Watch the full-length episode on YouTube: https://www.youtube.com/@DollarsAndSense. Podcast Follow us on Instagram: https://www.instagram.com/hapoccu/ https://www.instagram.com/dollarsandsense.podcast/ There’s a lot of advice online about how to “fix” your credit. Quick wins. Loopholes. Disputes that magically erase everything. The reality is this isn’t how it works. In this episode, we sit down w...

Watch the full-length episode on YouTube: https://www.youtube.com/@DollarsAndSense. Podcast Follow us on Instagram: https://www.instagram.com/hapoccu/ https://www.instagram.com/dollarsandsense.podcast/ Tax season can feel confusing, stressful, and overwhelming—especially if you’re filing for the first time. But it doesn’t have to be. In this episode of Dollars and Sense, we sit down with Ken from...

Brenna's Socials: https://www.tiktok.com/@bren.nery?lang=en https://www.instagram.com/brenna.nery/?hl=en Kekoa's IG: https://www.instagram.com/kekoa.nery/?hl=en Listen on Spotify: https://open.spotify.com/show/7dIYZRus5g9rjftdPkGVCL?si=41c4d1ded22442ad Listen on Apple Podcasts: https://podcasts.apple.com/us/podcast/dollars-sense/id1788376326 Follow us on Instagram: https://www.instagram....

Investing isn’t complicated. But emotions make it feel that way. Most people understand the basics—buy low, sell high, stay invested. Yet time and time again, investors make decisions that work against them. Not because they lack information, but because fear, panic, overconfidence, and the urge to “do something” take over when uncertainty shows up. In this episode, financial advisors Tyler Pearso...

What happens when people at different life stages are given the same income and asked to build a budget? In this episode of Dollars & Sense , we run The Budget Experiment — giving each guest the exact same income, expenses, and framework, then watching how their priorities, values, and life stage shape the outcome. From young professionals to parents with kids, this conversation shows why budg...

Most financial advice sounds good… but doesn’t stick. In this episode of Dollars & Sense , we break down five practical financial habits that actually matter in 2026 — not trendy hacks or unrealistic rules, but simple actions that help reduce stress, improve clarity, and build consistency over time. We talk about: Why checking in on your money once a month matters more than perfection How auto...

In this episode of Dollars and Sense, Scott Cowan interviews Chris Dlugozima, a financial counselor and podcast host for GreenPath Financial Wellness, discussing the complexities of debt accumulation, the psychological barriers to seeking help, and the importance of financial literacy. They explore common signs of financial distress, the impact of life events on debt, and share success stories fro...

What does it really take to build generational wealth that lasts? In this episode of Dollars & Sense, we sit down with Tony and Brenna from Christiansen Inc., a three-generation family business that grew from a one-bedroom house and six employees into a billion-dollar company supporting more than 400 team members. Their story is not about luck or shortcuts. It is about courage, sacrifice, lead...

Healthcare is one of the biggest expenses in the average American household — yet almost no one knows how to use their insurance to get the best care and the best price. This conversation with Clayton from Alliant exposes the hidden habits and costly assumptions that cause millions of people to overspend on their health each year. We unpack the psychology of “reactive healthcare,” how to enter the...

When technology sounds human, it’s hard to know what’s real. In this episode of Dollars and Sense , we sit down with Eli and Sarah, a couple who lived through one of the most shocking examples of AI-powered fraud we’ve ever heard. A single phone call that sounded exactly like Eli’s mother sent their entire family into panic. What unfolded over the next two hours felt like a movie, but it was all r...

Hackers don’t just steal — they operate like businesses. In this episode, we sat down with Jeremy Karmy, founder of DevFusion, a managed IT and cybersecurity company that protects organizations across 13 states — from small businesses to major enterprises. With years of experience helping clients recover from real ransomware attacks, Jeremy has seen firsthand how today’s cybercriminals think, plan...

🎮 Think gaming is just fun and games? Think again. In this episode of Dollars and Sense , we explore how the gaming industry became a $250 billion machine by mastering one thing: human behavior . From paying to skip ads, to spending real money on digital outfits, to buying power and progression — games have perfected how to turn your attention, emotion, and identity into revenue. Whether you&apos...

In this episode of Dollars and Sense , we’re joined by Max Lucas , a loan officer at HAPO, and Connor MacDougall , a local real estate agent, to talk about how homeownership reshapes your relationship with money. It’s not just about mortgages and maintenance — it’s about the mindset shift that happens when you go from renting to owning. From unexpected costs to long-term planning, this is a real-w...

💸 Think you need thousands to start investing? Think again. In this episode of Dollars and Sense, we sit down with Nick Haberling and Tyler Pearson, both financial advisors from HFG Trust, to break down the biggest myth that keeps people from building wealth: the idea that you need to be rich to get started. With just a few dollars and the right mindset, you can build a portfolio that grows over...