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PODCAST

Perfect Cents Podcast

SAFE Credit Union

Join the SAFE Community Relations team on a journey towards financial wellness and meaningful community involvement. The Perfect Cents Podcast, presented by SAFE Credit Union is a program designed to empower each listener to take control of their financial situation and become a greater force for good in their community. Episodes will feature recurring segments along with occasional guests from around the Greater Sacramento region. Guests will include SAFE Credit Union colleagues, industry experts,

business non-profit

All Episodes

43:26

SAFE & BECU Combination Partners: A Conversation with...

Perfect Cents Podcast ·

2026/10/01

Join host Alex Becerra as he sits down with BECU President and CEO, Beverly Anderson, for an inspiring conversation about leadership, community impact, and the future of financial services. Discover the vision behind the proposed combination between BECU and SAFE, creating a powerhouse financial services cooperative dedicated to putting members and communities first. Whether you're a credit union member, an employee navigating change, or interested in alternative financial models, this episode

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41:25

JMBA Goes Beyond Boxing: Invest in People, Change the...

Perfect Cents Podcast ·

2026/09/25

Join us on this episode of the Perfect Cents Podcast as we sit down with Jose Morales, a prominent Sacramento region boxing coach and the visionary owner of the Jose Morales Boxing Academy. Jose shares his deeply moving personal and professional journey, taking us behind the scenes of how he overcame massive life obstacles, including crucial tips on how to establish credit at a young age. Discover how his very first job at a boxing gym completely shifted his perspective on life, thanks to the

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24:11

$250k Community Donation Announcement: How Your Vote...

Perfect Cents Podcast ·

2026/09/10

Big news! When SAFE members vote on the proposed combination with BECU, voting members also have a unique opportunity to help direct a $250,000 contribution to four incredible nonprofit organizations making a meaningful difference throughout the greater Sacramento region by getting to vote on where those funds go. On this episode of the Perfect Cents Podcast, host Alex sits down to discuss the launch of our major community donation, the four nonprofit organizations involved, and how every single

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14:47

Celebrating Community at Sutter Health Park with the...

Perfect Cents Podcast ·

2026/08/25

Join Alex Becerra at Sutter Health Park for Friends & Family Night with the A's, presented by the Perfect Cents Podcast. Alex catches up with SAFE CEO Faye Nabhani and COO Tiffani Vargas, along with SAFE members, employees, and young fans, to talk about community, connection, and baseball. From first pitches to favorite ballpark snacks, see how SAFE's partnership with the A's supports the community and provides member benefits, including discounted A's and River Cats tickets. SAFE members can

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41:21

From Street Smarts to Running Sacramento's Popular...

Perfect Cents Podcast ·

2026/08/13

On this episode of the Perfect Cents Podcast, host Alex Becerra sits down with Shawn Kahan, co-owner of Yellow Brick Group and co-founder of the 'Our Street Night Market'. Shawn takes us through his incredible journey—from hustling t-shirts out of his car trunk at 17 after getting kicked out of school, to designing for NBA icons like DeMarcus Cousins, to building a multi-faceted creative agency in the heart of Sacramento. We'll dive into the origin of the 'Our Street Night Market', detailing how an

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30:38

SAFE & BECU Combination: Digital First. Human Always.

Perfect Cents Podcast ·

2026/07/31

How is the upcoming combination of SAFE and BECU going to change the future of banking in Northern California and Washington? On this episode of the Perfect Cents Podcast, Alex Becerra sits down with SAFE COO, Tiffani Vargas, and BECU Chief Member & Digital Experience Officer, Jason Rudman, to dive deep into what this historic credit union partnership actually means for members and local communities. Discover how both institutions are uniting under the "Coming Together, Member First" philosophy,

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23:17

Sacramento Housing Market Update: Trends & Analysis...

Perfect Cents Podcast ·

2026/05/18

Is the Sacramento housing market finally cooling down, or are we entering a significant period of transition? On this episode of the Perfect Cents Podcast, host Alex Becerra sits down with renowned housing analyst and certified appraiser Ryan Lundquist to break down the latest Sacramento real estate trends. With over 20 years of local experience, Ryan provides a data-backed look at why the current market is shifting from a fast-paced environment to a much tighter, inventory-strained landscape

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36:41

Mortgage Secrets Revealed: Everything First-Time...

Perfect Cents Podcast ·

2026/05/12

Are you ready to stop paying your landlord's mortgage and start building your own equity? In this episode of the Perfect Cents Podcast, host Alex Becerra sits down with SAFE Credit Union Home Loan Manager Casey Jenkins to demystify the journey to homeownership. Whether you're worried about your credit score or struggling to save for a down payment, this discussion provides a clear roadmap for anyone looking to secure their first set of house keys. Topics include: Why your "bad credit" might

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18:11

How to Make Credit Work for You (Not Against You)

Perfect Cents Podcast ·

2026/05/07

On this episode of the Perfect Cents Podcast, host Alex Becerra sits down with Lawrence Lomeli, AVP of Consumer Lending at SAFE Credit Union, to break down the complex world of borrowing and credit to help you build financial freedom for your future. Topics include: Borrowing as a Tool: Why credit should be viewed as leverage for big-ticket items like homes, cars, and education rather than a source of anxiety. Credit Score Factors: A deep dive into what influences your score, including repayment

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20:57

Smart Spending (How to Build Healthy Financial Habits)

Perfect Cents Podcast ·

2026/04/28

Are you looking to improve your financial health but don't know where to start? In this episode, join host Alex and special guest Marcie Johnson (Debit and Credit Program Manager at SAFE Credit Union,) as they discuss why mindful spending is the absolute foundation of long-term financial wellness. Whether you're a parent teaching your kids about money or just trying to navigate the convenience of digital payments, this conversation offers practical strategies for everyone. Topics include: The

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29:24

The Season of Giving: Tips for Smart Holiday Shopping

Perfect Cents Podcast ·

2025/10/30

On this episode of the podcast, Alex Becerra and Savannah Brown tackle the topic of Smart Holiday Shopping. Together they discuss insightful data points about consumer spending during the holidays, the importance of building a strong spending and savings plan, and strategies for ensuring a successful holiday shopping season. They also provide useful tips for avoiding flash sales, resisting the temptation for impulse purchases, and the fighting the inclination to jump on "too good to be true" deals

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25:17

Financial Avoidance Isn't Genetic

Perfect Cents Podcast ·

2025/09/25

On this episode of the podcast, Alex Becerra is joined by SAFE’s Senior Design and Communications Specialist, Susan Burns to tackle the topic of Financial Avoidance. Together they discuss Susan’s featured articles in Comstock’s Magazine, the importance of understanding your relationship with money, and strategies for leveraging your unique personal qualities to keep your finances in check. They also provide useful insights for being a positive money role model and helping the young people in your

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23:06

First Time Home Buying & SAFE Home Rewards

Perfect Cents Podcast ·

2025/08/28

On this episode of the podcast, Alex Becerra is joined by SAFE Home Loan Consultant, Nate Dungca & Realtor, Nico Almanza to discuss all things Home Buying. Together they discuss the importance of organizing your finances before shopping for a home, the additional costs that come along with a home purchase, and the true value of leveraging strong lender/realtor relationships. They also provide useful insights about saving money on your purchase with SAFE Credit Union member benefits and the exclusive

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09:47

Youth Workforce Development Program

Perfect Cents Podcast ·

2025/08/14

On this episode of the podcast, Alex Becerra is joined by Cordova High School student participants of SAFE’s 2025 Youth Workforce Development program. Together they discuss their career goals and aspirations, the importance of financial literacy for Gen Z and Gen Alpha, and the impact of online influencers on young people’s spending behaviors. They also provide valuable insights on how to prioritize savings and avoiding online spending traps. Tune in today, because investing in the personal and

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19:08

Understanding Home Equity Loans and HELOCs

Perfect Cents Podcast ·

2025/05/30

On this episode of the podcast, Alex Becerra is joined by Home Loan Manager, Casey Jenkins, to talk about all things Home Equity. Together they discuss various ways for you to leverage the equity in your home to enhance your financial wellness, the main differences between Home Equity Loans and Home Equity Lines of Credit (HELOCs,) and the most common uses for Home Equity funds. They also provide useful insights on how to determine if a Home Equity Loan or HELOC is the right choice for you… Because

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13:18

Financial Capability Month #1: Financial Capability

Perfect Cents Podcast ·

2025/04/10

On this episode of the podcast, Alex Becerra and Cristian Amaral are talking about the concept of Financial Capability. Together they discuss the importance of learning the “rules” of personal finance, building better money habits, and investing for the future. They also provide helpful insights about automating savings and practicing forced scarcity to strengthen your budget skills. Because capitalizing on your opportunities to make sound financial decisions and setting yourself up for future

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24:26

Money Talk: Speaking with Family and Friends

Perfect Cents Podcast ·

2025/01/23

On this episode of the podcast, Alex Becerra and Miriam Dougherty share helpful tips and tricks for talking about personal finances with family and friends. Together they discuss the importance of having open and honest conversations about money, taking a proactive approach to managing money with others, and common money topics that impact relationships. They also provide inspiration and encouragement to help YOU navigate positive and productive conversations that can help you reach your financial

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17:24

Money Behavior: Financial Avoidance

Perfect Cents Podcast ·

2024/08/29

On this episode of the podcast, Savannah Brown and Miriam Dougherty tackle the topic of Financial Avoidance! This common money behavior often holds people back from taking control of their finances and achieving their financial goals. During the discussion, Savannah and Miriam highlight specific traits that can be used to identify Financial Avoidance, such as not checking bank statements, ignoring bills, allowing unopened mail to pile up, and not creating a plan to address financial challenges. They

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28:52

Market Conditions: Auto Financing in 2024

Perfect Cents Podcast ·

2024/06/27

On this episode of the podcast, Alex Becerra & Hector Madueno welcome SAFE’s professional experts, Lawrence Lomeli and Kevin Hagedon to discuss what it’s like to purchase a car in 2024. Together they share helpful considerations, tips, and tricks to help consumers navigate their next car buying experience with knowledge and confidence. Topics include dealer inventory, pricing, loan preapprovals, trade-in values, warranties, protection products, and the importance of partnering with your local Credit

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18:31

The Best (Financial) Advice My Mom Ever Gave Me

Perfect Cents Podcast ·

2024/05/30

On this episode of the podcast, Alex Becerra & Miriam Dougherty share the best financial advice they ever received from their moms. Together they discuss the importance of responsibly managing credit cards and how to take full advantage of promotions & rewards. They also talk about the benefits of having an organized money management system, keeping track of all your bills, and making payments on time. Tune in today and listen to the podcast team share valuable insights and helpful tips... because

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21 results

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