Small Talks for Big Change

Patelco is celebrating two exciting milestones: 90 years of serving members and communities, and 10,000 downloads of Small Talks for Big Change. In this special episode, Andrew sits down with original podcast host Michele Enriquez to reflect on Patelco's journey, the impact of financial education, and some of their favorite moments from the podcast's first 70 episodes. Join us for stories, memorie...

Estate planning can feel overwhelming, but it doesn't have to be. In this episode of Small Talks for Big Change, we sit down with Joaquin Jacquez, Patelco's Specialized Accounts Specialist, to demystify trusts, wills, and what really happens to your accounts when someone passes. Joaquin breaks down key roles like trustees and beneficiaries, explains how trusts help families avoid probate, and shar...

Elder fraud is on the rise, and the impact goes beyond finances. In this episode, host Andrew Farrell sits down with Michele Enriquez and Mark Southon to explore how scams happen and why older adults are often targeted. Michele shares a powerful personal story of a loved one impacted by fraud, while Mark offers expert insights and prevention tips to help families recognize red flags, have open con...

In this episode of Small Talks for Big Change, Michele sits down with Patelco leader Aimee Jackson to break down what really matters when it comes to checking accounts. They explore why fee‑free checking, early payday, personalized financial guidance, and modern digital tools are top priorities for today's consumers. Plus, how simple features like CashBack+, savings tools like RoundUp, and credit...

In this episode of Small Talks for Big Change, Andrew Farrell sits down with Patelco home loan consultant Fred Williams to talk openly about the fears, tradeoffs, and realities of buying a home in today's market. They explore renting versus buying, why headlines don't tell the full story, and how early conversations and planning can make homeownership feel more approachable. A thoughtful, pressure...

April is Financial Literacy Month and Credit Union Youth Month, and this episode takes a deep dive into a topic many don't expect for kids: lending. Joined by Katie Nathan from My First Nest Egg, we explore how borrowing concepts can be introduced early without fear or confusion. From loan sharks to safe lenders, we help families navigate these waters with storytelling, curiosity, and simple conve...

In this episode of Small Talks for Big Change, Andrew Farrell sits down with financial specialist Danielle Lowe Robinson and VP of Cards and Direct Consumer Lending, Alok Bakshi, to unpack the world of Buy Now, Pay Later. They explore why BNPL is growing, how it affects spending habits, common pitfalls like stacking loans, and practical ways to use it responsibly. Learn how to stay disciplined, pr...

In this episode of Small Talks for Big Change, we break down the auto‑refinance process and how it can help you keep more money in your pocket. Patelco's Director of Indirect Lending, Juan Godinez, shares expert insights on refinancing, cash‑out options, and smart car‑buying strategies. If you're looking to lower your payment, improve your rate, or better understand your options, this conversation...

Andrew talks with Patelco's Learning and Development Partner, Jamese Stallworth, and Retail Branch Performance Manager, Kamran Hazemi, two new parents who share real world insights about budgeting for a baby, planning for leave, and adjusting to major lifestyle changes. They discuss saving strategies, unexpected costs, support systems, and how to stay grounded during one of life's biggest transiti...

In this episode, Andrew sits down with Enterprise Certified Financial Specialist Nick Gates to explore how personalized financial counseling can help members break through money roadblocks. Nick shares the common struggles he sees, including budgeting overwhelm, ADHD related challenges, and mindset barriers. Learn how accountability, practical tools, and judgment free support can help you build la...

Andrew welcomes Jennifer Mink, Director of Member Experience and Financial Wellbeing, and Lauren Goucher, Manager of Member Experience, to share real‑life ways to keep more money in your pocket this year. From grocery hacks and intentional spending to Patelco tools like SpringFour, Balance Pro, and Banzai, they offer practical strategies anyone can use. If you're ready to stretch your budget and b...

This episode dives into the mindset behind resolutions: setting attainable goals, embracing setbacks, and using small actions to build long‑term momentum. Andrew and Michele share their own New Year's plans, talk through habit stacking and manifestation, and offer ways to stay consistent without burning out. A thoughtful guide to approaching 2026 with a balanced, sustainable path forward.

In this special tribute episode, we celebrate the remarkable career of Veronica Dangerfield, Patelco's beloved Senior Financial Wellbeing Educator and 2025 Financial Educator of the Year. Joined by longtime colleagues and friends, we reflect on her decades of impact, her signature humor and compassion, and the countless lives she's transformed through financial education. As Veronica heads into a...

Kick off the new year with practical holiday budgeting tips and a fresh approach to financial wellness. In this episode, Andrew and Michelle break down rising costs, real‑life budgeting challenges, and simple ways to plan for holiday spending without relying on debt. Learn how to set SMART goals, create a realistic budget, and build healthier money habits for 2026. Start the year with clarity, con...

Join us for an inspiring conversation with Patelco's Certified Financial Specialists, Danielle Lowe Robinson and Jerry Morales, as they share practical tips to boost your financial wellness. From busting budgeting myths to building credit and planning for big goals, learn how personalized coaching can help you spend wisely, save strategically, and borrow responsibly. Whether you're tackling debt o...

Choosing the right college can feel overwhelming. Academics, finances, and family expectations all play a role. In this episode of Small Talks for Big Change, we sit down with Erin Moreci, a Patelco leader and parent, to discuss her family's journey from UC dreams to community college success. Erin shares practical tips on campus tours, financial planning, and open communication, plus insights on...

In this special ICU Day episode of Small Talks for Big Change, we sit down with credit union pioneer Scott Simpson, newly appointed President & CEO of America's Credit Unions. From grassroots advocacy to fintech trends, Scott shares insights on the evolving credit union landscape, the importance of preserving not-for-profit status, and how credit unions empower communities. Tune in for inspiration...

In this special episode celebrating International Credit Union Month, Patelco team members share powerful stories of financial education and community impact. From supporting refugee families to breaking down barriers around banking and credit, hear how compassion and cooperation are driving real change. Learn how credit unions like Patelco empower individuals with tools for financial wellness, in...

In this inspiring episode, we sit down with Hermie Smit & Arlin Ortiz-Jovel, leaders from CityTeam San Jose to explore how holistic community support—from mobile food pantries to financial wellness workshops—is helping Bay Area families move from surviving to thriving. Learn how Patelco's partnership with CityTeam is making a meaningful impact, and discover ways you can get involved. It's a powerf...

Ready to travel without wrecking your wallet? In this lively episode, Andrew Farrell, Uslea Evangelista, and Veronica Dangerfield share personal travel stories, budgeting hacks, and clever ways to make your adventures affordable. From credit card points to off-season deals and packing tips, they cover it all—plus a few laughs along the way. Whether you're a seasoned jet-setter or dreaming of your...

In this finale of our elder financial abuse mini-series, we sit down with Yolanda Carcamo, APS Supervisor for Alameda County. Yolanda shares how Adult Protective Services investigates financial exploitation, the impact of recent policy changes, and how early intervention can protect vulnerable seniors. Learn how mandated reporters, financial institutions, and everyday community members can work to...

In this heartfelt episode of Small Talks for Big Change, we explore the powerful connection between mental health, aging, and financial safety. Guest Avonelle Hanley-Mills, SOLVE Coordinating Manager, Mental Health Association of SF, shares insights on reducing elder isolation, embracing aging, and preventing scams through community, conversation, and compassion. Learn how early engagement, visibi...

Fraudsters are evolving, but so is the fight against them! In this episode, we sit down with 16-year-old Dublin Highschool student, Aayush Gandhi, founder of Fraud Stop, to uncover the growing dangers of financial scams. From protecting seniors to educating teens, Aayush shares insights on preventing fraud and staying ahead of scammers. Plus, Patelco's collaboration and real-world fraud stories yo...

In this special episode of Small Talks for Big Change, we kick off our mini-series for National Elder Abuse Awareness Month with fraud prevention expert Erwin Lemi. With over 20 years of experience, Erwin shares insights into how elder financial abuse has evolved, the most common scams targeting seniors today, and practical tips for prevention. Learn how to protect yourself and your loved ones fro...

In this insightful episode, guest Andrew Farrell returns to explore the psychology of spending. From his successful No Spend Month to understanding emotional triggers and marketing influence, Andrew shares practical strategies to build healthier financial habits. Learn how early money experiences shape behavior and discover tools like the 30-day rule and accountability notes to curb impulse spendi...