080326 ~ The Three Savings Buckets - Nicole Bernacik

August 3, 2026 ~ Lucy Ann Lance is joined by Nicole Bernacik, Financial Education Specialist, University of Michigan Credit Union for this week's Money Monday! Nicole explains how to organize personal finances using a three-bucket strategy for emergency savings, lifestyle goals, and retirement planning. She also highlights practical methods for automating deposits and choosing appropriate financial institutions to keep money secure and accessible. Nicole encourages to start saving early and take advantage of employer retirement matches to help grow their long-term financial stability.