When and How to Use Credit

Essential Accounts for Kids by Age 16

By age 16, kids don't need every financial account out there—but they do need the right mix. This is when money starts getting real: paychecks, debit cards, spending choices, and more. In this episode we are breaking down the accounts 16 years should have. For more information, please visit us at Smarter Money Life [https://www.forumcu.com/smarter-money-life]. You can also view this episode with captions here: Smarter Money Life on YouTube [https://youtube.com/playlist?list=PLmina-S9d9me5ckhN6n85IfO0Z39_aiFt&si=KSpSZSl_UKEovFU4]. Reference to, or information about, any specific product or service by name, trademark, trade name, or service mark in the Smarter Money Life podcast does not constitute an endorsement of that product or service. Federally Insured by NCUA. © 2026, FORUM Credit Union. All rights reserved. Reproduction in any form is prohibited.

Avoiding Top Financial Mistakes

Feeling stuck financially, even though you're doing all the right things? On this episode of Smarter Money Life, we break down the most common money mistakes-and how small changes can help you get ahead fast. For more information, please visit us at Smarter Money Life [https://www.forumcu.com/smarter-money-life]. You can also view this episode with captions here: Smarter Money Life on YouTube [https://youtube.com/playlist?list=PLmina-S9d9me5ckhN6n85IfO0Z39_aiFt&si=KSpSZSl_UKEovFU4]. Reference to, or information about, any specific product or service by name, trademark, trade name, or service mark in the Smarter Money Life podcast does not constitute an endorsement of that product or service. Federally Insured by NCUA. © 2026, FORUM Credit Union. All rights reserved. Reproduction in any form is prohibited.

When and How to Use Credit

We see credit decisions every day—and we know how confusing they can feel. In this episode of Smarter Money Life, we'll help you understand how to use credit that fits your lifestyle and improve your financial well-being. For more information, please visit us at Smarter Money Life [https://www.forumcu.com/smarter-money-life]. You can also view this episode with captions here: Smarter Money Life on YouTube [https://youtube.com/playlist?list=PLmina-S9d9me5ckhN6n85IfO0Z39_aiFt&si=KSpSZSl_UKEovFU4]. Reference to, or information about, any specific product or service by name, trademark, trade name, or service mark in the Smarter Money Life podcast does not constitute an endorsement of that product or service. Federally Insured by NCUA. © 2026, FORUM Credit Union. All rights reserved. Reproduction in any form is prohibited.

What Pre-Teens Should Know About Money

Even pre-teens should start learning about money concepts and in this episode we are answering common questions and sharing a few ways to reinforce important money skills. For more information, please visit us at Smarter Money Life [https://www.forumcu.com/smarter-money-life]. You can also view this episode with captions here: Smarter Money Life on YouTube [https://youtube.com/playlist?list=PLmina-S9d9me5ckhN6n85IfO0Z39_aiFt&si=KSpSZSl_UKEovFU4]. Reference to, or information about, any specific product or service by name, trademark, trade name, or service mark in the Smarter Money Life podcast does not constitute an endorsement of that product or service. Federally Insured by NCUA. © 2026, FORUM Credit Union. All rights reserved. Reproduction in any form is prohibited.

Practical Money Habits to Build Financial Stability

Financial stress rarely comes from one big mistake. In this episode, we break down the everyday money habits—and hidden pressures—that slowly add up. You'll learn practical steps to reduce anxiety, avoid setbacks, and build long term financial stability. For more information, please visit us at Smarter Money Life [https://www.forumcu.com/smarter-money-life]. You can also view this episode with captions here: Smarter Money Life on YouTube [https://youtube.com/playlist?list=PLmina-S9d9me5ckhN6n85IfO0Z39_aiFt&si=KSpSZSl_UKEovFU4]. Reference to, or information about, any specific product or service by name, trademark, trade name, or service mark in the Smarter Money Life podcast does not constitute an endorsement of that product or service. Federally Insured by NCUA. © 2026, FORUM Credit Union. All rights reserved. Reproduction in any form is prohibited.