In this episode of MakingCents, guest host Thomas Racca, Manager of Personal Finance Management at Navy Federal, sits down with Heather Long, Chief Economist at Navy Federal, to break down the financial landscape heading into 2026. Together, they outline why households feel squeezed, what’s changed in the economy, and the practical steps you can take to reset your budget, tackle debt, and rebuild savings using tools like our Emergency Fund Calculator and Mission: Credit Confidence® dashboard.

Thomas and Heather also open up about the personal experiences that shaped how they think about money today. From early missteps to hard‑earned lessons, they reflect on how those moments influence the guidance they give members—and why the supportive, member‑focused approach of a credit union can make navigating finances feel more grounded and attainable.

• Budgeting for Financial Wellness (16:26)
• Strategies for Financial Resilience (24:48) 
• Navigating Homeownership Challenges (33:26)

Ready to start the year strong? Explore resources designed to help you take control of your financial goals.

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