Author Archive for Marketing PFCU

What Is Disability Insurance, and Do I Need It?

Someone at work mentioned disability insurance, and now you’re wondering: “Do I actually need that?” Maybe. Because here’s the truth: Disability insurance sounds more complicated than it is. And the name doesn’t help — it makes you think it’s only for rare, dramatic events. But at its core, disability insurance is really just income protection. Read More.

How Much Should I Have in My Emergency Fund?

Let’s be real: Emergencies don’t RSVP. They show up unannounced — usually at the worst possible time — and demand your attention and your money. Maybe it’s a broken water heater, a fender-bender, or an unexpected vet bill. Whatever the curveball, your best defense is a well-stocked emergency fund — think of it as your financial first responder. Read More.

How Do I Handle Financial Boundaries with Family?

Navigating money within your unique family dynamic can be tricky. Whether it’s a parent asking for help with rent, a sibling requesting a loan, or an adult child needing financial support post-college, figuring out when to say yes (and how to say no) is one of the most emotionally loaded financial decisions you’ll make. Read More.

What Are the Best Tools for Teaching Kids About Money?

The benefits of understanding money and investing early are clear. When kids have money confidence early in life, they’ve got the best chance of reaping the rewards of compound interest, budgeting savvy, and lifelong financial literacy. You don’t need to wait until your kids are teenagers to start talking about money. Read More.

How Much Allowance Should I Give My Kids?

More parents are talking to their kids about money today than ever before. But to achieve lifelong money literacy, kids need more than talking — they need direct practice with money and decision-making. One of the best tools for that is an allowance. Read More.

What Should My Child Know About Budgeting Before College?


College is expensive. We all know that, but what often gets lost in the planning is the basic financial literacy our kids need before they ever set foot on campus. Think of this as your crash course on what to teach them — and how to prepare them to manage money responsibly from the moment they pick up their student ID. Read More.

Should I Pay for my Child’s Education or Encourage Loans


When it comes to college, should you pay for it all yourself, or is it okay to have your kid take out some loans? You want to support your child’s dreams and give them a leg up in life, but you also need to protect your own future. So, should you foot the bill for college, or let loans carry some of the load? Read More.

Balancing College Savings with Retirement Planning

Balancing college savings with retirement planning isn’t just a numbers game — it’s a high-stakes act of prioritization. For many families, the question isn’t whether both goals are important (they are!), but rather, how to juggle them at the same time without sacrificing your own long-term financial security. Read More.

Planning for Big Expenses, Like a Wedding or Baby


Whether you’re planning a wedding, expecting a baby, or bracing for both in the same 12-month stretch (godspeed!), the key to staying financially grounded is knowing what you need when, and building a plan that keeps you in control, not scrambling to recover. Read More.

Budgeting for a Family Vacation

When you’re planning a major vacation with kids, partners, in-laws, and maybe a grandparent or two, you’re looking at thousands of dollars in flights, hotels, park tickets, meals, and extras. But here’s the good news: you can absolutely make a dream trip happen without wrecking your finances — if you plan ahead and get intentional. Read More.