Hosts: Ralph Estep Jr, a licensed public account of over 30 years + Juliet, a first-time entrepreneur Here's what we got into today:<ul><li>I broke down the LIHEAP heating assistance program, why renters qualify too, and why applying this week matters since the money goes first come, first served</li><li>I explained how to call your bank and opt out of debit and ATM overdraft coverage so you stop paying that $35 fee</li><li>I talked through escheat laws and how to check missingmoney.com for cash your state may be holding, including the story of the $3,500 my grandmother recovered after my grandfather passed away</li><li>Juliet and I worked through a mailbag question on 0% balance transfer offers, including the fees hidden in the fine print and how they affect your credit utilization</li><li>I answered a question on tackling credit card debt, comparing personal loans, home equity lines of credit, settlements, and bankruptcy</li><li>I answered a question about what changes financially when you have a baby, including insurance deadlines, daycare costs, and setting up a will and guardian</li></ul> Got a money question for me? Send it to us at <a href="https://www.becomingfinanciallyconfident.com/voicemail" rel="noopener noreferrer" target="_blank">becomingfinanciallyconfident.com/voicemail</a>. Or come watch us live every weekday, 11:30 am ET at <a href="https://www.becomingfinanciallyconfident.com/live" rel="noopener noreferrer" target="_blank">becomingfinanciallyconfident.com/live</a>.Have a great week, everybody.Links mentioned in this episode:<a href="https://www.becomingfinanciallyconfident.com/stamps" rel="noopener noreferrer" target="_blank">becomingfinanciallyconfident.com/stamps</a><a href="https://www.becomingfinanciallyconfident.com/wallet" rel="noopener noreferrer" target="_blank">becomingfinanciallyconfident.com/wallet</a><a href="https://www.becomingfinanciallyconfident.com/ezwill" rel="noopener noreferrer" target="_blank">becomingfinanciallyconfident.com/ezwill</a>Follow us on our socials:<a href="https://www.linkedin.com/company/becomingfinanciallyconfident" rel="noopener noreferrer" target="_blank">LinkedIn</a><a href="https://www.facebook.com/share/g/1HpWqv8jp9/" rel="noopener noreferrer" target="_blank">Facebook Group</a><a href="https://www.instagram.com/becomingfinanciallyconfident" rel="noopener noreferrer" target="_blank">Instagram</a><a href="https://www.skool.com/becoming-financially-confident-7556" rel="noopener noreferrer" target="_blank">Skool Community</a>Shoutout to Practical Prepping! Thank you, Mark and Krista! <a href="https://practicalprepping.info/podcast" rel="noopener noreferrer" target="_blank">https://practicalprepping.info/podcast</a>

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