Making Sense of Money, presented by P1FCU

Your First Steps To Home Ownership with Wes Gossage

In this episode of the Making Sense of Money podcast, Tanis sits down with P1FCU’s VP of Mortgage Lending, Wes Gossage, to break down one of the most important first steps in the homebuying journey: getting pre-qualified vs. pre-approved. Whether you’re a first-time homebuyer or just need a refresher, Wes walks through what these terms really mean, how they impact your buying power, and why taking that extra step can give you confidence when it’s time to make an offer. Along the way, they cover common mistakes to avoid, what lenders are really looking for, and how different loan options from conventional to FHA and VA, can fit your unique situation. You’ll also get practical insights on interest rates, down payments, and how to think about your budget in a way that supports both your present and your future. Plus, Wes shares real-world advice on slowing down, asking the right questions, and making a homebuying decision you’ll feel good about for years to come. If you’re thinking about buying a home or just want to feel more confident in the process, this episode will help you take that next step with clarity.

The Economics of Scent with Jesse Broyles

In this episode of Making Sense of Money, presented by P1FCU, Tanis sits down with Jesse Broyles, owner of Vintage Traditional, to explore how passion, perseverance, and personal story can shape a truly unique business. What started as a deeply personal journey, rooted in childhood memories, family influence, and a desire to create something meaningful, has grown into a handcrafted fragrance brand with heart. Jesse shares the inspiration behind his perfumes, the emotional stories tied to each scent, and how his upbringing shaped both his craft and his approach to business. From navigating the challenges of starting a business while raising a family to learning the balance between quality, pricing, and purpose, this conversation highlights what it really takes to build something from the ground up. Jesse also opens up about the importance of authenticity, community support, and why sometimes the biggest hurdle is simply getting started. Whether you're an aspiring entrepreneur, a supporter of small businesses, or someone who appreciates the artistry behind meaningful products, this episode offers insight, inspiration, and a reminder that success doesn’t always follow a traditional path. Subscribe and learn more at p1fcu.org, and take one step closer to making sense of money.

Navigating VA Benefits and Financial Wellness

In this episode of Making Sense of Money, presented by P1FCU, Tanis sits down with Joe Reiner from the Idaho Division of Veteran Services to shed light on the powerful resources available to veterans and their families. With over two decades of military service and nearly a decade helping Veterans navigate benefits, Joe shares what it really means to advocate for those who have served. From disability compensation and healthcare access to education benefits and housing assistance, this conversation breaks down how these programs can create real financial stability and life-changing support. You’ll also hear how Joe and his team go above and beyond, meeting Veterans where they are, helping families through difficult transitions, and ensuring no benefit goes overlooked. Plus, learn why starting the process early is key and how even a simple phone call can open the door to thousands of dollars in support. Whether you’re a Veteran, have a loved one who served, or simply want to better understand the impact of these programs in our community, this episode is packed with insight, resources, and meaningful stories. Subscribe and learn more at p1fcu.org and take one step closer to making sense of money.

Protecting our Parents from Fraud with Community Action Partnership

In this episode of Making Sense of Money, presented by P1FCU, Tanis sits down with Mona Jacks from Community Action Partnership’s Area Agency on Aging to talk about a topic that impacts more families than we often realize, protecting our aging loved ones. As an Adult Protection Supervisor, Mona shares what she’s seeing across North Central Idaho, from rising financial challenges on fixed incomes to the growing sophistication of scams targeting seniors. Together, they discuss the warning signs of financial exploitation, how to start difficult (but important) conversations with aging parents, and why planning ahead can make all the difference. You’ll also learn practical steps families can take to protect their loved ones, where to turn for help, and how community resources like CAP and local financial institutions work together to support vulnerable populations. This episode is a must-listen for anyone with aging parents, caregivers, or those simply looking to stay informed and proactive when it comes to financial safety. Subscribe and learn more at p1fcu.org and remember, a simple conversation today can prevent a crisis tomorrow.

Keeping Retail Alive in a Changing Economy with Billy Jeffrey

In this episode of Making Sense of Money, presented by P1FCU, Tanis sits down with Billy Jeffrey Scharnhorst, longtime owner of GNC in the Lewiston Center Mall and the driving force behind the mall’s recent revival. From opening his first business at just 20 years old to helping reimagine what the mall can be for the Valley, Billy shares how goal-setting, discipline, and a clear vision have guided every step of his journey. They talk about the changing retail landscape, what it takes to attract the right businesses, and why bringing life, connection, and community back into the mall matters. Billy also dives into his passion for financial education, explaining why fitness and finances have more in common than people think and why being “financially fit” starts with knowing your numbers and having a plan. Whether you’re a small business owner, a goal-setter, or just excited about the future of the Lewiston Center Mall, this episode is packed with motivation, practical insight, and local pride. Subscribe and learn more at p1fcu.org and remember, goals work when you do.