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Well folks, I got a great opportunity now to just talk about money with Darrell McVeigh from Peninsula Credit Union You know him you seen him around town and we've had him on the air multiple times over his tenure at Peninsula Credit Union Darrell How are you doing? I'm doing great Jeff. It's good to see you and it's good to talk to you about these topics because they're so important and I think when you try to Talk to folks about money Finances their security if you will it can get very uncomfortable people don't like talking about money That is true. That's mostly one of the most important or intimate aspects of one's life Yeah, you know their relationship with their family their spouse and in and then when it comes to money Um, it's kind of a hush-hush topic.
Oh, yeah talking with with folks But I don't necessarily want to know what what your finances look like and I definitely don't want you to know what my finances Look like whether I'm struggling whether I'm in a much better financial position in you or maybe the neighbor That kind of stuff is kept pretty close to to the cuff So before we get into kind of the topics today, we're going to talk a little bit about budgeting What does it mean really to do a budget? What are some myths about it things like that? Have you noticed in your time in the financial world here? And I know that you interact with a lot of people and I guess my question is when it comes to generational Sharing the you know, like the baby boomers Moving into whatever the next one is Gen X maybe and the Millennials and things like that. Have they gotten more comfortable? I Feel like I read articles about where the topic especially of salary in the workplace Yes It's not as taboo as it once was people are sharing that information freely where folks who might be a little older would like We said it just a second ago. This is this is off-limits.
This is my private I don't want to talk to you about this at all. Yes. Yes.
Well, let's back that up a little bit finances, we're talking generational and I'd like to think of the generations being you know, as you mentioned you have to use Gen Z's You know, you have folks who just coming up into the system Back in the day, it's even in high school There used to have there used to be a home ec where they taught you some of the basic functions of doing your laundry You know baking some cookies. I remember when I was in high school, I made some muffins and I thought oh great good deal Now I'm ready to go out into the world. But what was not spoken about was finances, you know and budgeting I didn't I didn't know anything about that in my folks, you know, they just took care of things So they never taught us about financing.
So more finances rather so a Lot of folks that I speak with today and it's more than the younger groups like young couples young adults, you know They get a paycheck, you know, they're able to pay for this or pay for that but there a lot of the times the future Aspects of finances don't come into play, right? Some folks are working at an organization that offers a retirement plan for when Kate things of that nature and and folks aren't participating in that and I'd like to let them know at the onset that you're leaving money On the table and when I bring it up in that sense, I said money on the table. That's free money so yeah, so what they're asking you to do in a 401k is to Match, well, they don't ask you to match but they ask you to put money into this fund your retirement fund and they will match Anywhere from three to six percent and if you're not putting in Three percent or if you're not putting any money in then you're not having any free money come back Yeah, and so explaining it as free money So what that means basically is that you're contributing to your retirement by putting say one hundred dollars in every paycheck and there you're getting Three or six percent of that as a match. It equates out to what three percent of $100 is three dollars Six percent is six dollars, but that's short term You get paid every week or every two weeks or some folks get paid every month And as you continue on that money grows, but it's not just your money.
It's the money that the organization is contributing to so Folks a lot of folks don't necessary necessarily understand that we talked a little bit about this and how some folks may you know see their neighbors across the street and This happens a lot on social media You see people that are on vacation or they got a new car and you're like, oh man They are they're living the dream, you know that keeping up with the Joneses kinds of a situation yet We have no idea what's going on behind the scenes when it comes to this Absolutely, those folks who are going on vacation and having the new car all the time We don't know whether they're in debt on to be able to enjoy those different types of things And we don't know whether they've made some financial commitments in the aspect of savings and in budgeting and you mentioned budget earlier Yeah, so and that is first of all living within one's means. Yeah, let's talk about budgeting. Why does it why does it feel? Why does budgeting appear to be so difficult? Why does it feel hard to do? It's kind of to me if I was to think about it, you're you're not allowing yourself.
Well, I've got a budget my money here I can't spend it on something. I want to spend so now I'm kind of You know I'm already starting off angry about the whole experience absolutely because my to your point budgeting does require one to be Cautious be cognizant of the money that they're putting out And the money that they're spending the thing about it is that for a budget to work You have to have financial goals right have to know what you want to achieve and then that's where you work But that's where a budget comes into play For example, if you want to go on vacation like the Joneses keeping up at the Joneses They're able to go on vacation Well, I'm not able to go on vacation because of the amount of expenses that I incur So in order for me to do the vacations and I have to do something different Yeah, and doing something differently means you have to put some work in so some folks don't want to do the work And yeah, I have a budget you have figures a man. I'm gonna go on this vacation I've got credit cards, but they don't have to pay all that back, but I'm gonna go on vacation So but my vacation doesn't take place for another five or six months So if I put a few dollars to the side when I go on vacation I will have had a nest egg to start that vacation with and then when you're on that vacation You have some of the money to spend on your by using your credit cards I don't encourage you to use your credit card, but I do encourage you to save yeah and budget for that So why is it? Why does it feel so hard to think long-term down the road? Because you're right if you're gonna go on vacation the odds of you leaving the next day and oh, I'm gone for two weeks I'm on vacation.
You know, that doesn't that doesn't happen That's not realistic You have to you know Secure the flights and get the hotels and make sure everything works out with everybody's busy schedule these days So these events are half a year a year even longer away So why what have you learned or what can you share about the difficulty of us? Saving now to be I guess successful later later. Well, we we are in we are a in the media gratification Right. Yeah And and that's what makes it so hard Yeah, it does require discipline in order to see the forest for the trees I get paid today, you know, I'm young.
I'm healthy. I want to go do this. I want to go do that and We don't stop to think a lot of us don't stop to think but what about further down the line, right? I can do all this stuff right now.
But what if something happens? For example, the car breaks down Are you ready to take care of that or you're gonna have to immediately pull out a credit card? Yeah, that's just one example. I mean, I know we're all over the place here. We're talking vacations.
We're talking Car maintenance, we're talking a budgeting all that comes into play for one to be successful one thing I see and maybe you can tell me if you notice this as well is that people will you know, maybe they'll hang out with Children their parents are retired. Okay, so that's kind of the basic the parents are retired and they're always gone now They've got their second home in Palm Springs or they're off doing this cruise here and there and again It's kind of the immediacy that that the child may like they're an adult child Yes, but the immediacy that they're like, well, wait a second. They're off having a good time Mm-hmm.
I can't where I'm not able to do this right now unless I put it on a credit card they're not necessarily looking at it in the fact that Well, your folks may have worked another. I mean they have likely worked another 25 or 30 years They're ahead of you that far in the game absolutely to be able to do this and they've made those financial decisions So do you see that where folks are maybe? Interacting with different generations and they're kind of assuming well I mean if this person's able to go do this right now, right then I'm gonna go do this right now And and that's that's again prioritizing Yeah It's a here now and not taking it into consideration that that person who is able to go here and go there had made some Financial nine times out of ten have made some financial decisions that we're not privy to And they made those sacrifices So in the moment because we don't talk about it. We don't talk about it As I mentioned initially my parents just took care of everything and really told us how we could go about ensuring That tomorrow is gonna be a better day for us, right if I plan for it And so as soon as I went I worked man It was paycheck to paycheck basically hand-to-mouth And I was like that for a ton of years and then I I met my lovely wife She put you on the track.
She put me on the track man. And yeah things came came together. I prioritize What I wanted to do it started making actual making plans and if I get a paycheck say a thousand dollars in one week You know and and I want to go To this concert, you know, I'm spending maybe half of that, but I've got you know a little bit left over For the rest of the month, but then I'm starting from ground zero that following month.
Okay, so let's talk about let's talk about that That to me sounds like the zero. There's a couple types of budgets right zero base budget There's the envelopes that people sometimes use. We use apps nowadays There's you know, 50 30 20 where some of it goes right into your needs your rent mortgage stuff like that 30% goes to your or your needs your wants and desires, you know different types of things What have you found to be and does it change per person the most? Effective for folks to look at to start a budgeting process like to me the zero based budgeting I've listened to a lot of different podcasts and radio shows over the years where they talk about these different types of ways to do It right right and for me, I think you know The zero based part of it where at the end of the month whatever you have left over You put it in your savings and then you start again with zero Is that that one or what are what are the most effective ones you found? Well, the most effective budget start with first of all you paying yourself.
So immediately put X amount of dollars to the side Okay, and that includes to that that may be 401k Does that part is that part of what you're talking about or is that in addition to that's in addition to okay So your 401k is explicitly for your retirement, right? So that's something that you do and don't think about it any longer that money's pulled out of your your check and you never ever really see that but the money that you see is the money that it we spend and in order to formulate a Solid budget is first know what your expenses are. Sure. What are what what are my my Non-negotiable expenses you have to pay rent.
Mm-hmm. You have to make that car payment You have a phone that you're paying for and then depending on where you live you'll have to pay water gas Power through all those things. So the things that are a must pay Yeah, it's just your budget put that on your budget sheet those things that those expenses that do not change What would you say the percentage of people you deal with? couples mm-hmm one One only knows all that information Well, I'd say 95% of the couples that I work with.
Yeah, there's one only one person Manually, if I fully understands fully involved and committed and you know, there's not it's nothing that's not a bad thing But you have to partner together and have that same Understanding and have the same dreams For your financial future if you're butting heads your marriage your relate that relationship is destined to fail, right? but if there's one person doing that's in my I'm speaking now from personal experience my wife handles all of that and I know that and but my paycheck goes for a different segments of our of our lifestyle Okay, so but you have had a conversation right where you know that I think exactly That's fine to do and that's fine for one person to be the mortgage person And the other person is like the groceries person But we go you have to you you have to know that you have to go the same page there You have to be exactly have to be on the same page So once you determine what your fixed income is and whatever is left over is now Disposable income and that disposable your groceries are not a fixed income because depending on on how you what you want to eat will determine How much you're gonna spend? Yeah, so those those are just a flexible disposable income. So your gas It's always gonna change from one week one month to the next. I'm paying where you're going, right? Your entertainment you're going out to you're going to the movies this month That does not key that does not Kim with your fixed expenses So those are all disposed that's all disposable income and on your budget Yes, if you were to write everything down mortgages X garbage is X and then you slowly get down to the point where all your Essentials are covered.
Yes. Now you're saying that leftover number is the disposable that's where you can maybe treat yourself a little bit because otherwise No one's gonna stick to these things if they don't have the opportunity to have a little fun, right? They're gonna be like that that is true. Yeah, you have yeah, that's part of paying yourself first Yeah, so you have to be able to enjoy but you have to have financial goals What do you want to accomplish that vacation still is on the table? Everybody needs a vacation to recharge that battery.
Yeah, so that that comes out of that disposable income So you've got your fixed expenses and that equates that's a very specific number your income Then you had that leftover and from that leftover you get to do other things vacation But what's most important even before the vacation is being prepared for those unexpected aspects of life the car breakdown, right? something happens with a family member where you need to be able to help them out and it goes it can be as much as A loss of a job. So keep this in mind say you lose your job, right? You the bills don't stop No, there's no sorry. We'll pause these until you get another job.
Yeah, no No so you have to save for emergencies and that's again paying yourself first and the rule of thumb is to be able to save three months worth of Essential expenses which means three months worth of your rent or your mortgage three months worth of car payments three months worth of whatever you Pay without fail every month. So the things that won't Bring you further behind if you miss them Exactly and then and that creates a buffer for you to take a little bit of time To do what you need to do to get back into the workforce in the event you you become jobless You've been doing this a long time So I'm sure you've met with folks who have built a little who have started with zero in an emergency fund Yes, and now maybe they have that three to six months. Have you what have you learned from them in their? Stress levels their mindset and things like that when they know In case something happens, we're gonna be Okay, and more well better off than we were six months ago.
Absolutely. Lisa is in the short term. I've seen attitudes change immensely when Someone is living month to month where they start building a little nest egg and in the time the period that I'm working with someone 50% of the time there is a hiccup in their giddy up where they're experiencing a small Challenge in life.
They have to do repair the car But now they have a little bit of money that's set aside for that car payment And so if they need to repair the car cost them $1,000 and all they have for that car repair is 500 All they have to do is come up with 500 which is easier to navigate They're having to come up with the full thousand dollars for the repair I've been personally in those situations and I think most recently And you know take this what you will but we went to the vet right the other day Oh, so my dog is getting old and he has whatever teeth he has left. Yes are they got to go, right? They gotta go and I'm like, so they said, you know This is gonna be between a thousand and two thousand dollars and I'm like gosh what teeth left? I mean, what does that even how is it even possible? There's well, you know, there's different routes and things like that so that it is a thing but we have and we we put aside a fair chunk of our monthly money to Because you know, we sit at home most days of the week and I cook dinner and I read books and things like that So there's not a lot of out expenses going. I get that So then when the vet calls and says, you know, the dogs in pain, it's gonna be $2,000 We need to take these teeth out.
I we can go. Yes. Yeah do it.
Yeah. Yeah, exactly So that and there's no stress is no. Yeah, because you prepare for that part of the other and I'm glad you mentioned pets We've got a couple of dogs.
Um, we've got a multi poo Which is a pool Maltese mix and then we have blue which is a French bulldog, right? We actually have insurance for our dog, right and it's maintenance so that they take care of the teeth They take care of the grooming and this in having that insurance is money Well invested because they had they had preventive care for the dog You see that you see it when you take them in and they give you your little breakdown at the end of the visit They go. Well, if you know if you didn't have our plan, yes, this would have been a general checkup This would have been seven hundred and fifty dollars and you're paying 50 bucks because you need to get some ear cleaners, right? Yeah, and you have it on insurance. So this is also part of the plan Yeah plan for these emergency the unexpected aspects of living life on life's turn and it's not and you're not I mean everybody's unique whatever but regardless the situations aren't unique People have people go through this all the time and you can see the path diverge Yes, where the person has saved some money and is able to Without hesitation pay for that repair go have to go out and get a new car if they have to or whatever Versus the path where someone is really living paycheck to paycheck.
I have a question about this. Yes, because For a lot of folks they have those fixed costs and it gets them Almost to the end of the month with zero. All right.
So, how do you help them? Where where best are you able to find? Five dollars a week ten dollars a week I'm glad you mentioned that because the budget is kind of the big picture of what you're going to do for the month It's an overall snapshot, but to get that once you've established your monthly costs Excuse me and then finding a Few extra dollars is to track your expenses on a consistent basis case in point. I offer a Weekly expense tracking worksheet, right? So when you go to Safeway and you spend $100 at any grocery store you get that receipt and then you break it down some of that is Popcorn candy ice cream. Those are snacks those categorized a completely different area.
So those are snacks When you're spending your money you look at your snacks and say well do I really need those snacks? No start cutting back there So the other aspect of weekly expense tracking you go to one of the coffee stands and you buy a specialty coffee You spend an eight or ten dollars on that specialty coffee nine times out of the out of ten Those folks who are buying those specialty coffees will have a coffee pot sitting on their kitchen counter, right? So if you spend five bucks a day five days a week, it's $25 at the end of the week On coffee and you do that each week or the month you spend $100 on coffee, right? But do you have that coffee pot at home? You go to the grocery store you get a pound of coffee for ten bucks and you don't get a nice coffee Yeah, you get a treat yourself. Yeah treat yourself and then you go to the the dairy department you get your caramel macchiato You get your different flavoring have all that. So let's say you have ten dollars in that pound of coffee Yeah, and in five dollars for that that specialty oat milk goat milk, whatever milk right and then flavor, right? So now so let's say it's 20 bucks right coffee five for the flavor five for the milk.
That's 20 bucks That's gonna last you if you're not much cough a minimum of two weeks. Yeah, sometime even a month three weeks So you're looking at $20? They'll carry you two weeks $40 for the month as opposed to the hundred right where you save 60 Oh, why is it so hard to and I know exactly what you're thinking is you're saying we have multiple coffee pots I drink a bunch of black coffee and then for a holiday gift. I got an espresso machine, right? and so I make my own things at home, but if you were to If I was to pay five or ten bucks for every one of those it would pay for itself Very quickly, but people again have that it's a hard thing to think of.
Yeah, if I'm gonna drop $700 let's say on an espresso machine. Okay Dollars that's a lot of money up front up front, but I'm gonna have this thing for a long sometimes How I stop me if this seems weird, but I will have I'll buy a jacket. Okay, I buy a jacket for 100 bucks Yes, I wear it one time and the jackets 100 bucks.
Okay, I wear it two times and it's 50 bucks Yeah, there we are. And then I and then I divide the cost per how many times I use it Do you get down to like a buck? Yeah time then I'm doing and I feel like I've got my money's worth out of this item Absolutely. It's the same thing when we're doing our budgeting and setting priorities I mean you don't have to have a coat for five of five coats one for each day of the week, right? I want to carry you two or three and so if you think about that math the way you put it if you spend $100 per coat and that book and you have One for every day of the week.
Sure. That's 500 buck But if you have one and you wear that three times out of the week, you know and you have another for the other three the numbers are kind of screwed there but a skew there but You're not spending as much. You're not investing in much money in there you can utilize those those additional funds and a more realistic and Responsible yeah, Matt responsibility and Discipline the discipline go hand in hand.
So make it responsible on decision for for Spending that money is just ask yourself He doesn't want or need right and to I think you know I've heard and when it comes to this I this is how I look at things a little bit too is I have to have Half half to have is a tough statement, but it I have to have To be you know a contributing member of society. You know a good bed, right? Bed a good pair of shoes. Yes and a reliable car If you spend a little more up front on those so you're not waking up cranky because you got a bar Running through the back of your bed.
You may look at a bed and gosh this thing cost whatever thousands of dollars Yeah, but again if you sleep on it every night for a third of your of the day bingo Yes, it helps or your shoes make your doesn't hurt your back So then all of a sudden you're at the doctor or the chiropractor. These are investments with money well spent Absolutely. It's very your health is very important.
Yeah, so yeah, yeah maintain good health and if you do the physical aspect Make the physical aspect of your life a priority and start making the financial aspect of your of your life a priority and keep in mind Your goals focus on those goals. You're more apt to stick with a program Talk to me a little bit about somebody who's gonna start their budget. They make it a week a month and they have Stuck to it.
That's awesome way to go. What I mean you need to be able to reward yourself a little Absolutely, and that comes from your fight again your financial goals. You say these are gonna be my goals I'm gonna work within this budget and then you sell it's a success So you celebrate your successes and being able to celebrate that success is a motivation to stick with it Yeah, you haven't been saving money But now you've saved you you've never said before but now in this one month you saved $100 You look at that as a definite win because it is because you know you had before and now you're doing that and so you're Motivating you're saying and look I'm able to do this.
I'm able to do this and I'm thinking about it. So it's it's purpose-driven Success, what do you know or what can you share about people who? Didn't care to do this and then they kind of almost Go the complete opposite They go from paycheck to paycheck out of necessity and then they've got they found they've carved out there five or ten bucks a week That they're saving and then all of a sudden it almost becomes like a game to them and they're like, I Don't know. I just checked my bank account and I've never had more in my savings account in my life I don't even want to touch it's like if I have cash in my pocket if I have a large bill You don't want to break the bill because then it's all gone.
Yeah, no matter what I have seen that you're right Can you go? I'm I have never saved this much in my life This is amazing Yes and then to I've heard stories where people make these huge changes and they're so proud of themselves and then they share it with their Friends and their peer groups and then all of a sudden the peer group looks at them differently. They're like You know You kind of now have a sure footing. Yes, you have that emergency fund.
You have the option to go Well, I'm gonna take a vacation. Oh this weekend There's not much on the schedule. Let's go to the coast or something like that And then your friends look at you different How how do you I guess that kind of goes back to the first thing we talked about where you know? You don't really talk about finances a lot But if you explain your situation like I get excited when I talk to people about how much we're saving or the fact that you know outside of our mortgage We my family we don't have any debt, right? We've worked really hard to do this and then we go and you know, buy something because why not we have that extra fun money Yes, well, I have seen that where someone has done exceptionally well In following their program, so to speak.
Yeah have worked within a budget and realizing we have this extra money Well at that point you are now an example for your friends and family members and it's important that we share our successes It's all about relationships. It is important that we share our successes So if you've done if you're starting to move forward financially and there's a friend or family Who is near and dear to your heart and you can see they're struggling and you have not shared your success story Then shame on you because again, it's more of what we were talking about how boy it looks like, you know It looks like they're just doing all the right things or hitting all the right buttons the checkboxes they don't again understand this the beans and rice rice and beans kind of what you've done to you know, secure a Future that is more comfortable. That is true And they may not and they more than likely won't come and share that with you But you have if you have a relationship with them, then what's to prevent you from going over same? I notice you go on vacation fairly regular.
How do you make that happen? Yeah, sometimes you just have to ask you mentioned the worksheet Yeah, where and how can people find you here at Peninsula to go over these things? I know sometimes you're at the library, but you have to make an appointment or what's the story? Well, I'm out and about in the community I'm at the to your point the library at the YMCA The Youth Connection the Mason County Senior Activity Center, and I host workshops at some of the local 501 c3 organizations crossroads housing turning point survival advocacy And you can see me about town and even at the library. I've got my business cards there So you can grab a business card there again the YMCA so the places I mentioned all have my business card but if you're listening to this podcast or this interview you can reach me at DMC ve a d McVeigh at PCFC u.org or you can call the branch here in Shelton 360 426 1601 and ask to speak to Daryl. Yeah, we'll connect that way or shoot me an email I gave you my email address once again DMC ve a at PCFC u.org shoot me an email say hey Daryl I saw you here or I heard you here I'm interested in knowing a little bit more about what you do and you are I mean, this is all sensitive information You don't go share it with anybody.
You don't use it. It's you're Utilizing the skills you have here and the job you have here to help people help people. That's it.
Absolutely I cover a smorgasbord of financial topics budgeting savings credit building credit repair debt consolidation Loans and so I cover a number of different topics and it is again very relational. It's one-on-one Yeah, I don't share anybody's information. Yeah, no, it doesn't matter.
It's Again it's very relational and it is the one-on-one and I Don't I don't have to go any further. Yeah. No, I know that I know this I just want to make sure people feel at ease to again be able to broach the subject with you absolutely and help them get on their path because I Have listened over the years to different shows and heard stories of people that have gotten themselves out of debt through just hard hard work Which can't can't be fun work too because you're seeing you're you're able to see the fruits of your labor labor Exactly that coming up quick you pay off that one debt and all of a sudden you're like well Let's let's see where we can go from here.
And I mean people in all types of financial standing Some folks are just doing okay, but want to find us device strategies to improve their financial position Yeah, they're for some folks who are in collections by thousands of dollars and one of the things we don't recognize is that I The collection agencies will buy that debt for five to ten cents on the dollar So if you're in collections and a collection agency is gone you say you owe a thousand dollars Well, yeah, you owe that thousand dollars to a financial institution They've written that off and sold that debt to a Collection agency at five cents on a dollar So if you owe two thousand dollars this collection agency is gonna spend $50 to get that that thousand dollar debt And then they want to collect that money from you You're not entitled to give them that whole to pay that back you can talk to them and say hey I know you spent five or ten cents per dollar. Yeah, you are you you want a thousand dollars from me? I'll give you $250 and we'll call it good. Well, this sounds like it's a whole nother conversation We should have because that sounds fascinating to me on how you can negotiate things That's one of the topics I hear on your money minutes that we have on kmas radio in addition to a whole host of others So that is a good one.
Also just renegotiating different fees and rates and insurances and this plan and that plan Talk about here exactly and that's what's whomever you owe money money with if it's a credit card and you're in good standings Why can't you call and ask because you either way you'll come away No worse off. Yeah But you could come away better off if you asked. Yeah doesn't hurt to ask Daryl McVeigh your title here community financial educator and that's what you do I provide these services free of charge you have to be a member You don't have to be a member of Peninsula Credit Union to utilize the services that I provide.
That's great Yeah, I've got a great passion and being able to help someone change their financial position in life And I'm excited about it even sometime even more so than individuals. I'm working with I bet but yeah There's got to be a day where the switches the light switches and from you They're the ones who they're like, this is this is actually working Absolutely I'd say that 90% of the people that I work with are ready to do the work. Yeah, and once you do the work are Very successful.
Yeah, that's awesome. And yeah, it's like eating elephant bite-sized pieces Yeah at a time when I can change your financial position overnight, but a little bit of hard work Self-discipline and focus you'd be fine. Yeah, they're all McVeigh.
It's always good to see you and talk with you This is mine. I can't wait to dial in one of these topics with you. Absolutely.
I look forward to it as well