Breaking the Cycles of Debt Through Financial Fitness

<p><span style="font-weight: 400;">For better or worse, our views and habits about money are shaped by the environments in which we grew up. If the adults around us struggled to maintain solid financial footings, we might inadvertently repeat their cycles of debt. Credit unions offer folks safe, shame-free spaces where they can strengthen their financial fitness. </span></p> <p><span style="font-weight: 400;">Diego and his guests explore the transformative power of member-focused fiscal education - with Tanya Valdez, Santa Fe registered nurse & DNCU member; Juan Fernández Ceballos, president and CEO, Credit Union Association of New Mexico; James Robert Lay, best-selling author and founder & CEO, Digital Growth Institute; Deb Salazar, chief experience officer, Del Norte Credit Union; and Kristin Harrison, director of business development, WebStrategies, Inc.</span></p> <p><span style="font-weight: 400;">At a time when very little is taboo in conversation, the topic of personal finances still makes people more uncomfortable than s-e-x. That’s too bad because money always matters: where it comes from, what you do with it, and yes, how you talk about it. </span></p> <p><span style="font-weight: 400;">“Financial literacy alone, as a standalone, does more harm than good because it creates a pseudo sense of confidence,” says James Robert. “But when you layer that education on top of advisory, what I would call coaching, now we're looking at financial health.” Credit unions are partners in their members’ fiscal well-being. Like gyms, credit unions offer support through various tools, programs, and options designed to strengthen core money muscles. </span></p> <p><span style="font-weight: 400;">When you’re in top-notch fiscal health, those around you are more likely to learn from the example you’ve set. Still, long-held shame around one’s ability to manage money can often prevent a person from seeking comprehensive, compassionate assistance. Credit unions don’t play the blame game or pressure members into unfit options. T