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According to a recent survey conducted by Gallup, 61% of Americans are facing moderate to severe financial hardships due to the recent price hikes. If you are also struggling to cope with the current situation, then you might be looking for some guidance and support.
Terri Mossbrucker joins the podcast to share her insights and discuss the topic with Miranda. She is a member of the Elements Financial Asset Recovery department and is well-equipped to help educate others on financial hardships.
Terri has almost 30 years of experience in helping individuals with budgeting and finding solutions for difficult financial situations.
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Websites referenced in the episode: 
Indiana Debt Relief: https://www.indianadebtrelief.org/
Indiana Hardest Hit Fund/Indiana Foreclosure Prevention Network: https://www.877gethope.org/ 
 
Statistics sourced:
More in U.S. Say Inflation Is Causing Financial Hardship
Americans Remain Discouraged About Personal Finances
 
Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service.
The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine what may be suitable for you, consult the appropriate qualified professional prior to making a decision.
Federally Insured by NCUA 

On October 9, 2023 Elements Financial conducted their seventh annual Purpose Day - a day dedicated to giving back and serving the communities and causes we care about.
As part of the day, Elements employees heard from Jennifer Bartenbach, the CEO of the Central Indiana Community Foundation. During this conversation with Miranda, the two discuss the importance of giving back and the different ways you can do so. 
This episode was recorded live in front of an audience and may vary in sound.
To learn more about Purpose Day 2023, visit elements.org/PurposeDay. To learn about CICF, visit cicf.org.
Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service.
Federally Insured by NCUA 

Miranda is joined by Andrew Chalko, the Chief Financial Officer of Elements, to discuss the causes and effects of inflation. They will explore the sectors that are most affected by inflation and provide tips on budget restructuring to combat it.
They'll also dive into the root causes of inflation, which businesses continue to be impacted, and practical ways to restructure your budget to mitigate its effects.
Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service.
Federally Insured by NCUA 

Miranda is joined by Liz Wertz, LPL Financial Advisor at Elements Wealth Management. Liz shares the answers to the top five questions young professionals have when beginning to invest.
Their conversation covers why it’s important to start investing for retirement while you are young, how to use a 401k and employer matching to your advantage, and additional ways you can invest to supplement your current strategies.
To learn more about Liz and to contact her, visit her website at elements.org/LWertz. 
To view the visual charts mentioned in this podcast, please contact us at bettermoney@elements.org. 
The opinions voiced in this podcast are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision.
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). For hyperlinks to FINRA and SIPC, please refer to ‘See Contact Info’ section above. Insurance products are offered through LPL or its licensed affiliates. Elements Financial Federal Credit Union and Elements Wealth Management are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Elements Wealth Management, and may also be employees of Elements Financial Federal Credit Union These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Elements Financial Federal Credit Union or Elements Wealth Management. Securities and insurance offered through LPL or its affiliates are:• Not Insured by NCUA or Any Other Government Agency• Not Credit Union Guaranteed• Not Credit Union Deposits or Obligations• May Lose Value
Your Credit Union (”Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institutions to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services.
Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information. 

In this bonus episode, learn about Butler University's innovative approach to higher education accessibility from Dean Esteves, Executive Director of Butler University’s Office of Strategic Engagement, as they revolutionize traditional methods.
Learn more about Butler's Office of Strategic Engagement at: https://www.butler.edu/strategic-engagement/
Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service.
Federally Insured by NCUA 

College graduation season is here and many young adults are embarking on a new chapter in their lives. This can often bring about challenging life lessons, especially in regard to finances. In this episode, Miranda is joined by Eliza Claborn, Elements Relationship Manager, to provide guidance on navigating finances for those in their early twenties. Later in the show, Dean Esteves, Executive Director of Butler University’s Office of Strategic Engagement, shares valuable advice on managing money that he wishes he had known in his younger years. 
Reference to, or information about, any specific product or service by name, trade name, trademark, or service mark in this podcast does not constitute an endorsement of that product or service.
Federally Insured by NCUA