AmeriServ Presents: Bank Chats

Breaking the Cycle of Financial Stress

• AmeriServ Financial, Inc. • Episode 27

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The calendar flipped to 2026, but those holiday charges didn’t disappear. We unpack how financial stress shows up in your body—lost sleep, headaches, tight chest—and why naming the exact trigger is the fastest way to shrink fear and regain control. From rent and utilities to weddings, new babies, and college bills, we map the common pressure points and show how a simple plan can help steady your mind.

You’re not alone—many people feel this squeeze after the holidays. Share this with a friend who needs a plan today, and tap follow so you don’t miss our upcoming deep dive on how credit cards really work. If this helped, subscribe, leave a quick review, and tell us the one step you’re taking this week.

Resources:
211.org
Online Financial Library

Credits:
An AmeriServ Financial, Inc. Production 
Music by SchneckMind
Hosted by Drew Thomas and Jeffrey Matevish

Thanks for listening! You can find out more about AmeriServ by visiting ameriserv.com. You can also find us on Facebook, Instagram, and Twitter.

DISCLAIMER
This podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts, with the goal of helping to take some of the mystery out of financial and related topics; as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast, and any resources available for download from our website or other resources relating to Bank Chats is not intended, and should not be understood or interpreted to be, financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants, or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. AmeriServ Presents: Bank Chats is produced and distributed by AmeriServ Financial, Incorporated. 

Drew Thomas:

Start the tape, yeah, good start the, I'm showing my age. Start the tape. There is no, there is no such thing.

Jeff Matevish:

I still go, I still say filming. So, I mean, same thing.

Drew Thomas:

Yeah, videoing seems like a weird name, if you say you're going to video something, yeah, it feels weird. Our viewers just jump, jumped right in, and listeners just jump right into the middle of our conversation. Happy New Year, Jeff.

Jeff Matevish:

Happy New Year, Drew. It's officially New Year, 2026.

Drew Thomas:

2026, that seems like a very high number, just I never, I still remember, quite frankly, when the idea of the millennium was, oh my gosh, you know, you're past the year 2000.

Jeff Matevish:

Yeah, the 90s feel like they were 10 years ago.

Drew Thomas:

The 90s do feel like they were 10 years ago. I still think of the, when someone says, oh, that happened in 1970 something. I'm like, oh, so like 30 years ago. No, it's more like

Jeff Matevish:

I think the kids are saying that, like the 1900s now, whenever they're talking about the 90s earlier, yeah, the early 1900s, or, the late 1900s, yeah.

Drew Thomas:

Yeah, although, to be fair, if you think about it, we're a quarter of the way through the 21st Century now.

Jeff Matevish:

That's crazy.

Drew Thomas:

A quarter of the way through, yeah, people are going to start talking about the 22nd century pretty soon, and, yeah, as the future.

Jeff Matevish:

So, the beginning of some of those movies are going to have to change, and it's going to be, not going to

Drew Thomas:

Yeah, that's crazy, whenever you think about it. But at any rate, we are in the new year, and that brings up a whole fresh slate, right? A whole, whole bunch of no more worries where everything's just fine.

Jeff Matevish:

Everything's fine, except you got to pay off those credit card bills from the holidays, so, yeah.

Drew Thomas:

You're bumming me out, Jeff, but you're not wrong, so.

Jeff Matevish:

So, today we're talking about financial stress and, or coping with financial stress. Yeah, it's, you know, December was a stressful part of 2025 and January can be a stressful time in 2026.

Drew Thomas:

It can. Yeah, we talk about fresh starts a lot this time of year, the idea of a new opportunity to make a new resolution, and things like that, but the reality is that time is linear, and just because the calendar changes doesn't mean that all of your problems magically go away.

Jeff Matevish:

That's true. Yeah.

Drew Thomas:

So, you're right. I think there are some legitimate concerns that people have when it comes to their finances, and that can manifest in some pretty significant ways, right? I mean...

Jeff Matevish:

Physical ways, yeah, it can cause headaches and loss of sleep, memory loss, weakened immune systems, chest pain. So, I mean, yeah, actual physical ailments. So, if you're experiencing certain things, it could be something that you want to talk to your doctor about your, you know, your, oh, sure, personal care physician about. But it could also be just, you know, financial stress related.

Drew Thomas:

Yeah, you're absolutely right. I mean, we're not going to sit here and advocate that, hey, if you're having chest pains, it's probably your bank account, right? Please go see your doctor if you in all seriousness, you make sure you're checking on your health in the more traditional way first, right? But if you find that a lot of these kinds of symptoms tend to crop up around the time you start thinking about paying your bills, certain events, yeah, or certain events, then maybe it is something more financially related. And hopefully we can give you some things here today to try to help you deal with those things, right? Yeah, you said that, that you're experiencing some of these things, but some of these people, they turn to the wrong solutions too.

Jeff Matevish:

They do. I mean, people get into, you know, drugs and alcohol or overeating or, you know, spending money that they don't need, that they don't need to spend, making their, their financial stress even worse, yeah.

Drew Thomas:

Yeah, yeah. So, you know, sort of in-line with the idea of, you know, talk to your doctor if you're having health issues, but keep in mind that there may be other things. You got to assess your situation, you got to understand, okay, what is, in fact, the problem that, that is causing me these feelings, right? So, if, like you said, if it's a constant concern of, how am I going to pay the water bill, the sewage bill, the newspaper? Oh, he said, we do have a local newspaper. Yeah, people are still paying for the newspaper. Yeah, your regular everyday bills, yeah, groceries, your rent or mortgage. If those are the, if just thinking about paying those bills is causing you stress, then that's more of a constant thing that you need to address in terms of an overall budgetary thing.

Jeff Matevish:

Yeah, and not paying those bills can be something called decision paralysis, we've learned.

Drew Thomas:

Yeah, yeah, and that's a problem too, yeah, obviously you, because if you decide I'm not going to, I'm just going to bury my head in the sand and I'm not going to pay any of my bills and that, that might make you feel better physically in the moment, yeah, just sort of putting it out of your mind and, and going to watch TV or read a book or take a walk or something. But ultimately, those problems are still going to come back to you when you think about it the next time again.

Jeff Matevish:

Yeah, you're just procrastinating.

Drew Thomas:

Yeah, right. And in, just like most problems, ignoring it tends to make it worse, not better. Yep, yep. And sometimes I think too when it comes to problems, and again, general problems, but also, but specifically, financial problems, they tend to seem bigger than they are, until you sort of nail it down. If you, if you take the time to assess and figure out where your issues are and where those problems the most anxiety is coming from for you, and you can identify and you can start to build a plan around it, suddenly that monster that's in the closet doesn't seem quite so big.

Jeff Matevish:

Yeah, sometimes just having that plan is enough to kind of calm you down a little bit.

Drew Thomas:

Yeah, it doesn't make it go away. No, no, absolutely not saying that just thinking about it is suddenly going to make it all better, right? Still, got to deal with it, right, right? And we're going to talk about some ways to possibly do that here. But identifying it and assessing it is definitely something you want to do. The other thing is, the other side of it is, maybe there's a big financial event that's pending in your life that you are feeling stressed about. Maybe it's an upcoming wedding where your son or your daughter is, is going to be getting married, and you're expected to help financially with that. That, that sometimes that can be an enormous bill. You could be talking five figures, 10,$20,000 sometimes for, for weddings, at times. Oh, yeah.

Jeff Matevish:

Having a baby. We just had a baby. So, I mean...

Drew Thomas:

You did, yeah.

Jeff Matevish:

So, I mean, there's, there's some financial stress with that, sure, yeah. I mean, things are different, yeah, bills go up now. You know, insurance goes up, and you're paying for hospital bills now. And, yeah, yeah, there's definitely some stressors.

Drew Thomas:

So, suddenly, the money that was going to maybe some of your stress-relieving activities is now being reallocated somewhere else.

Jeff Matevish:

Yep, to a diaper fund. Yeah, right, yeah.

Drew Thomas:

But we've also learned that having recreation in our lives is something that helps reduce stress and so forth. So, if suddenly you're canceling your gym membership because you're now reallocating that money to your son or your daughter, that's, that's a thing too, you know, now you're losing that bit of recreation that was helping to keep you mentally fit.

Jeff Matevish:

Yeah, yeah. Well, especially that, you know, that's your physical health is just as important as your mental health. Yeah, yeah.

Drew Thomas:

Even beyond babies, if you go to the other extreme, and you're thinking about maybe this summer, your son or daughter's going off to college, and how are you going to help them pay for that? Yeah, you know. So, that could be a physical feeling, you know, of oh my gosh, how do I, how do, how do I deal with this? So, identifying those things is a big deal. They say that the top five concepts that spike your anxiety, so it could be retirement, budgeting, college savings, market volatility, if you're big into investments and so forth, could be medical bills, okay, which kind of goes along with what you were saying about having a baby. Right, right. You said that your wife spent an extra night in the hospital, right?

Jeff Matevish:

Yes, and now we're realizing that, that, that tacks on quite a bit of money, yeah.

Drew Thomas:

And thankfully, not because she was in dire need. Oh, right, right, right. But, but still, you know, it was that sort of, I'm guessing it was probably sort of that idea of like, hey, while I'm here, I still have...

Jeff Matevish:

It was like, yeah, a comfortability thing. Yeah, right, right.

Drew Thomas:

Sure, yeah. So, once you've sort of identified, identified the issue, the next step then is, you know, sort of seeing, okay, what is the emotional response that I have to that issue? Is it, are you feeling trapped? Are you feeling overwhelmed? Do you feel more mentally affected? Do you feel physically affected? Because those are things that you want to really pay attention to, because even if the issue is not necessarily medical, in the moment, right? We said, you know, obviously, if you're feeling a medical issue, you should talk to your doctor, but if you're identifying like, wow, every time I think about this, I get all tensed up, and my blood pressure goes up, my heart rate goes up, yeah, even over time, even though it is a stress related thing, we have also learned that stress can have long-term effects on a person's health, and so you want to be careful of allowing that to continue for too long, because even if it's not an immediate medical issue, it could become one. Oh, yeah, you know for sure, yeah. So, okay, so we understand that there are medical, physical effects of this. What can we do about it? Is there, you know, what can we give people an idea of how to try to start dealing with some of this stuff?

Jeff Matevish:

Well, we had already said you have to have a plan. You've identified the situation. Now is time to start a plan.

Drew Thomas:

Yeah, you got to take action.

Jeff Matevish:

You have to take action, right, right.

Drew Thomas:

So, there's a couple of different ways that you can do that. One of the things that we were looking at is there's a website called 211.org. 211.org is a really great website that gives all kinds of information and knowledge about budgeting and how to find help when it comes to, you know, dealing with financial issues.

Jeff Matevish:

Renters help, homeowner help, food help. You know, if you if you need to find like a food pantry or need help with your utilities. LIHEAP is another, another good one that's wrapped into that, yeah.

Drew Thomas:

Talk a little bit. Talk a little bit about LIHEAP, because that's a, specifically a Pennsylvania program that is a, yeah. So, if you're in this, in the state of Pennsylvania, that's something and, but most states have some similar program, I would imagine.

Jeff Matevish:

I would assume, yeah, yeah. So, that, that's helping you pay for your heating bills in the wintertime. So, from December 3rd of 2025 which has already passed, to April 10th of 2026, you can apply for this, this grant, and they, they essentially pay your utility company to help keep your heating on. Your heat on, yeah. And it doesn't really matter what your heating type is, gas or oil or whatever, yeah, they'll give your utility company one lump sum to keep that on for you. Yeah.

Drew Thomas:

So, that's, so that's definitely something to keep in mind, is that it is not something they're going to cut you a check, right, right, right. They're going to ask you for information about your heating source, your utility company, whatever it is, and then, as a, as a, as you said, as a lump sum, they will then offer some sort of a grant that they would then pay that utility company on your behalf, right to help keep the heat going in your home, right, right?

Jeff Matevish:

And you can apply online, by mail or in person at your county assistance office.

Drew Thomas:

Okay, yeah, so, yeah. So, that, that, and that's important, because quite frankly, while we tend to think of everything as being done online these days, not everybody has high speed internet, right? Not everybody has access to a PC or a computer or something or a phone, right? Sometimes doing stuff like that, sometimes doing those kinds of applications and stuff on a phone, even if you do have a data plan and a cell phone, they're not the easiest, little cumbersome, yeah, yeah, if you're doing it on a phone. So, there are options to do it, either by mail or in person. So, that's good to know. Yeah, one thing that I saw, and I again, I'm, you know, we're, we're obviously strong advocates for saving and paying your bills on time and having a budget, and that's really what we're trying to help teach, however, for those that are dealing with that mental anxiety and that stress, and if it's, if it's a, if it's, if it's really sort of eating at you and you just don't know what to do, keep in mind that most states, especially ones where the climate varies widely, okay, all right, and in Pennsylvania, again, specifically, there are laws in place that limit your utility's ability to shut off your heat during certain months.

Jeff Matevish:

So, if you don't pay your heating bill in January, you're not going to get shut off.

Drew Thomas:

Most likely not. Okay. Now, there are exceptions to every rule, and I want to make that very clear, however, they say that gas and the electric utilities cannot terminate service for households that are earning below, and these are current guidelines as of 2026, households earning below $3,137 monthly for an individual, or $6,500, $6,500 for a family of four, and that's based on 2024 federal poverty guidelines. So, if you are a household of either an individual household or a group up to a family of four, earning below those numbers, then they're not allowed to just unilaterally come in and turn off your heat.

Jeff Matevish:

Okay, so there's guidelines. Yeah.

Drew Thomas:

There are guidelines to that.

Jeff Matevish:

If you just decide not to pay your bill that's a little out the door.

Drew Thomas:

Yeah, that's correct, okay. Or if you're making more than that, if you're making a higher income and you're not paying it, then that may not apply to you. Yeah, there are, according to this, there are partial exceptions for city gas utilities, which can terminate, which can terminate service for households earning anywhere from $1,882 to $3,137 a month for an individual, or$3,900 to $6,500 for a family of four during part of the winter under certain circumstances. So, I would imagine that those circumstances are an unusually warm winter, or if it becomes obvious that the person, as an individual or the family does have the money, and they're choosing not to pay their bills, and as if that goes. There are, there are reasons why they still might. But the reason that I bring it up is mostly just to give people some sense of reassurance that if you legitimately just don't have the money and you're under these income limits...

Jeff Matevish:

It could be a little weight off your chest.

Drew Thomas:

It might be a temporary weight off your chest to just realize that they're not, they're not going to necessarily freeze you out of your home.

Jeff Matevish:

Yeah. Now you will have to pay that back once you know you have the ability to, right.

Drew Thomas:

Correct, yeah, right. And they also recommend that even if you can't pay your bill in full, make a good faith payment. Sure, you know, if your bill is $100 and you can only afford $25 don't just pay zero. Pay them $25. Yeah, and just say, look, I'm doing the best I can. Show you're making the effort, right. And I think most humans, most good conscience human beings, will understand that, hey, you know what, at least you're trying.

Jeff Matevish:

Yeah, avoid that, that decision paralysis.

Drew Thomas:

Yeah, right, yeah. Don't just, don't, just don't do anything, right, right. So, there's, so there's that. What else? What else was I going to mention? There, I mean, there are, there are a number of ways to get free financial advice that you can look into so.

Jeff Matevish:

Or just not even advice, but information in general.

Drew Thomas:

Sure, yeah, yeah. And one of them is your bank or your credit union, quite frankly. And that's true of our bank. It's true of especially community banks. I mean, I hate to, I hate to say that the mega banks aren't as willing to listen, but I truly believe that community banks, ones where the people that work at that bank are familiar with your area, familiar with your town, your community, and that you might know people that work there, they're going to be more than willing to try to help you, right, right?

Jeff Matevish:

You know, you might be more comfortable talking to them too, yeah.

Drew Thomas:

Oh, absolutely, I would agree with that. Yeah.

Jeff Matevish:

Talk to your family. I mean, I know it's not always easy to talk about finances, but talk to your family members. Maybe they have a little bit of guidance they can give you on what to do if you're in a tight pinch.

Drew Thomas:

Yeah. And that, you know, you make a really good point. I think that we tend to think of discussing money as being, I think you used the word taboo earlier today, yeah. And it kind of is like, you know, it's, oh, you don't talk about what mom or dad make, you know, I think I remember one time, whenever I was a kid, I asked my mom what she made, and I thought I was just going to, I thought she was going to lose it, right, yeah, don't you ask me what I make. You know, it's like, but we condition our kids to kind of feel that way about money that we don't talk about money.

Jeff Matevish:

Yeah, you know, and anytime you hear anything about money, it's always positive. It's never negative. In social media or, yeah, online, it's always positive. I make this much, I you know, I do this, I do that, but it's never anything that's bad.

Drew Thomas:

Yeah, yeah, very rarely. And, and when it is, it's some sort of cataclysmic thing, which also might make us feel like, even if we're in some sort of dire financial strain, that it is cataclysmic, no matter what, right. You know, that there's no way out, right. And that's, that's not, that's not true, right. There's always an opportunity to get better.

Jeff Matevish:

Right, and make one little change and that kind of snowballs, you know?

Drew Thomas:

Yeah, budgeting and financial planning apps are a big thing, and a lot of them, you know, some of them admittedly, do have a subscription or a fee attached. Some of them don't. Yeah, I know that at, at AmeriServ, there's free online budgeting platform that's part of our online banking. If you have our free online banking, you have access to that service.

Jeff Matevish:

That's right, that's right.

Drew Thomas:

So, check with your bank, yeah, to see if they offer something similar. You might be able to get a budget, a budgeting piece of software just as part of your relationship with your financial institution. Sure. Yeah. And in that app, I know they have like, a debt, sort of a debt reduction calendar, and they talk about snowballing and things like that. And you were going to mention that because you said about George Kamel, when we had George Kamel on the show.

Jeff Matevish:

Right, right, yeah, he talked about the Debt Avalanche and Debt Snowball, yes, effect. So, yeah, I mean, if you're in heavy debt, and you want to make a change, you can do the, use the Debt Snowball, or Debt Avalanche effect. The Debt Snowball is pay your smallest balances first, and kind of just move up from there, whereas the avalanche is opposite, pay your biggest debts off first, and then, you know, move down to the smallest. Yeah, I think he advocated for the debt snowball effect. So, pay your smallest ones off first. Yeah. I mean, I would have to agree. I mean, it would make me feel good if I'm paying, you know, just pay something off, you know, sure, yeah.

Drew Thomas:

Yeah, I know that, it's that same sort of sense for me as doing a to-do list.

Jeff Matevish:

Yeah, just having that check off, you know, just makes you feel good.

Drew Thomas:

Yeah, there have been times when I have literally written down something I've already done onto a to-do list just so that I could check it off. Yeah, yeah. That's, that's fair, right. Because it feels good to feel like you've made progress. Yeah, yeah, right. So, I think that snowballing method, but the idea behind that then is to take whatever payment you made and then apply it to your next debt. Right. So, it's not, hey, I paid this off and now I have extra cash to blow, right, right. Yeah, it's the idea of take that money and apply it to your next bill, pay it off that much faster. There are other options out there. There's the Consumer Financial Protection Bureau. They are a US government agency dedicated to making sure that you're treated fairly by banks, by lenders and other financial institutions. And in support of that mission, they provide numerous articles and guides, news reports on credit cards and debt collection, all that kind of stuff. So, if you're interested in, in understanding how some of this stuff works, check their website out. A lot of this really comes down, I think, to some degree, to education too. Knowing what your options are, and getting someone to help you identify avenues to create a plan to get out of that financial pinch that you may be in that's giving you all this anxiety, just like you said, having a plan.

Jeff Matevish:

So, talk to your bank, I mean, yeah, they'll be able to help, you know, at least guide you on the right direction, yeah, on who to talk to. Yeah, yeah. You mentioned before we were talking, libraries are another good resource. You know, we don't think about libraries very often, not only for their books, but they're, you know, internet access. If you need to apply for a LIHEAP or something like that, go to your local library and use the internet.

Drew Thomas:

Yeah, yeah, that's, that's an excellent point, because they will have access to the internet through the library. And, you know, library cards are free. I don't know that I've ever paid for a library card. I've paid, I paid fines for returning books late. Oh, yeah, absolutely. But yeah, I mean, your local library is a fantastic resource, I, and one that is usually underfunded compared to the benefit that they offer their communities. Yeah, so definitely check that out. Check out your local library for help with that. What else was I going to say? Oh, I mean, honestly, there are either, there are even things, you know, we have stuff on our own website, financial library, yeah, that you maintain and that you, we work with Banzai, and they provide a lot of great articles and information on just general stuff when it comes to financial education and literacy, yeah.

Jeff Matevish:

And this podcast, and we've talked about, you know, budgeting and, sure, paying bills and subscriptions and all of that good stuff.

Drew Thomas:

Yeah, yeah, you're, I mean, you're right. It sounds self-serving, but that really is the, the core purpose of this website, of this podcast, is financial education and literacy. I mean, we try to do it in a fun way. Right. And we make jokes and we talk, and we kind of do it conversationally, but it really is about educating people about finance, because so many people just don't have that education, and that's a big core of how to get out of financial issues and get rid of that financial anxiety, is just knowing what your options are, yeah, sometimes.

Jeff Matevish:

So, you're not alone, yeah.

Drew Thomas:

Yeah, you're not alone. You're absolutely right. That whole set, you know. Yeah, it's like you said about, you know, feeling like you, you we don't talk about money. It kind of feels like sometimes in high school, when you, you kind of felt like all of your friends had everything planned out. They all knew exactly what they were going to do with their life, and you were the only one that didn't. And everybody felt that way.

Jeff Matevish:

Yeah, but everyone is in the same boat as you are, just to a different degree maybe.

Drew Thomas:

Sure, yeah, unless you are a billionaire, and there are precious few of them.

Jeff Matevish:

Then you have your own, you have financial stress that is related to that too. I mean, it's, yeah.

Drew Thomas:

True, and to those of us that are having a difficult time just paying our heating bill, the stress of Elon Musk, you know, dealing with his Tesla stock seems like two completely different worlds, but, but they, they, you're right, they have their own set of issues as well, you know. We did do an episode, at least one episode devoted to the lottery. And as we're recording this, there is an one of the, one of the national lotteries is up to, like, $1.7 billion, fourth highest in history. Yeah, yeah. It's, it's getting close to $2 billion again, yeah. And we were kind of sort of talking earlier today about like, oh, what would you do if you if you hit the lottery? And I think both of us came to a very similar sort of answer, which was not, not what anybody would think. Yeah.

Jeff Matevish:

I mean, yeah, you wouldn't know right away. I wouldn't change too much.

Drew Thomas:

Yeah, yeah. And I think it comes down to that financial freedom. Yeah, it's, it's not that I want to go out and buy a whole bunch of stuff. It's the idea that I would have enough money in my bank account that no matter what I or my family wanted to do, we could do.

Jeff Matevish:

Reducing that financial stress.

Drew Thomas:

Reducing the financial stress, right, right. That's, that's exactly it. It's, it's just not having that blade sort of hanging by a thread over your head all the time. So, if you are feeling that way, please know that you're not by yourself. Yeah, you are not the only person that has financial stress, particularly at this time of year, when we get through that sort of holiday euphoria and everybody's overspending and overeating and over doing and over partying. And then all of a sudden the crows come home to roost, and suddenly you get that credit card bill in the mail, and you're like...

Jeff Matevish:

What did I do? Yeah, how am I going to, how am I going to pay that?

Drew Thomas:

Yeah, and, and you mentioned credit cards, so I'm going to, I'm going to, I'm going to tease this. We're going to talk credit cards in our next episode. So, in the episode that airs later this month in January, we are going to talk credit cards, and we're going to talk about how they work. Yeah, because we've talked the difference before between credit and debit but we've never really focused and honed in on how do credit cards work. So, I think that's going to be a really good conversation. So, if you are feeling the stress and anxiety and your credit card debt is little out of control, maybe that's a good episode for you to tune into as well.

Jeff Matevish:

Yes, please do, yes.

Drew Thomas:

And in order to make sure that you don't miss it, you should subscribe to this podcast.

Jeff Matevish:

Hit that little bell so you get notified.

Drew and Jeff:

Yes, yeah, yeah. Share it with a friend. Share it with a friend. Put it out on social media. Tell your, tell your mom and dad about it. Get them to listen, whatever you need to do. I mean, part of doing this, quite honestly, for us, is not, it's not about vanity at getting people to listen. It's about the fact that the more people that listen, the more people we can help. So, if, if you've gotten some information out of this, whether out of this particular episode or past episodes, please definitely share it. That's, that's why we're here. Yeah, so, very well said. Yeah, thanks. It's almost like I get paid for this stuff, almost, right? Not enough though. Still got the stress. Still got the financial stress. Yeah, all right, cool. Thanks, Jeff. Appreciate it. Thanks Drew.

Jeff Matevish:

This podcast focuses on having valuable conversations on various topics related to banking and financial health. The podcast is grounded in having open conversations with professionals and experts with the goal of helping to take some of the mystery out of financial and related topics, as learning about financial products and services can help you make more informed financial decisions. Please keep in mind that the information contained within this podcast and any resources available for download from our website or other resources relating to Bank Chats is not intended and should not be understood or interpreted to be financial advice. The hosts, guests, and production staff of Bank Chats expressly recommend that you seek advice from a trusted financial professional before making financial decisions. The hosts of Bank Chats are not attorneys, accountants or financial advisors, and the program is simply intended as one source of information. The podcast is not a substitute for a financial professional who is aware of the facts and circumstances of your individual situation. Thank you for listening. Please check out our full library of episodes, which can be found on the ameriserv.com website. You can also download or stream the podcast from your favorite podcast app.

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