Support by the American Indian college fund, the American Indian college fund provides millions of dollars of scholarships to thousands of native students every year. Tribal citizens of every age and experience are eligible. Scholarship applications are now open for the upcoming school year at college fund dot org. That's college fund dot org or by phone at 807 6 6 F, UND education is the answer. Thank you for tuning in to native America calling. I'm your host Sean spruce. We're talking about the world of personal finance today and there's still time if you have a question or comment or at one 809 9 6 two 8 four 8. That's also one 809 9 native. And let's go to the phones now. We have Ken, listening on KU and M in Albuquerque, New Mexico. Ken, thanks for calling the show today. Hi. Thank you very much. Very exciting. Show today for me. I work at a credit union here in Albuquerque and we serve the whole state of New Mexico, including a great deal of the native population. And the previous speaker, just a while ago, we were talking about getting ready to open a credit union. And I think that's a vital resource for the Native American community. One thing about the credit unions is they are member owned. So the Native American community that the members actually own that and have a say in that. And additionally, within the credit union movement itself, there are other resources such as forming a Crusoe with maybe a more established credit union. Or a better finance credit union or better positions in some way that would allow for things such as some of the FinTech options for the members to be able to get more accessible banking options and certainly the lending. Opportunities that are there, the we're working hard to eliminate things that go overdraft fees and other types of kind of communities type of income that we have and making it more about the members and the resources for them. We also do financial literacy free to the members and things that would help them build their credit. Acquire additional credit sources and just a lot of different resources they're there. So getting the Native Americans also involve say in forming boards and developing board members for other credit unions that maybe are not necessarily completely lady of American, but being part of that leadership. Sure. Ken, thanks for calling in to the show today and sharing that information. And I would like to ask Christy Ken mentioned the mobile banking and we talked earlier about being able to use a smartphone, but that technology does come with risks though, right? Christy, can you offer any advice for how folks can protect themselves when using mobile banking and these other types of FinTech apps and such? Yes. For those who do have the capability with a smartphone, for example, to be able to do online banking, you would just make sure that you're having some privacy, maybe around using some of your banking services, depositing checks and things like that online. And being able to check your bank account online and make sure that the deposits are being deposited into the account and making sure that there's not weird fees associated or other things that you weren't expecting. So just kind of due diligence and practice in terms of checking your bank statements and then occasionally looking at your credit report just to make sure everything's fine there. Really what we are trying to promote is that zen tech is a fabulous option for those that have the technology for the broadband access in the smartphones and other devices to be able to use it. But Sharon mentioned we still have to have options for in person banking, especially in Indian country where we have so many people that do not have proper broadband access. And so we also have to have manual workarounds for the nonprofit in if we're trying to do collect information to be able to put out emergency cash assistance or other things like that where we're taking some banking information. So just kind of all together and it's not that same tech is going to be, I think, cure all for all of these issues. But at the same time, we want to be able to try to have that technology available with people are interested. Sure. And speaking with you today and sharing, and I think there's these broader conversations that we're hearing nationwide that we're getting to this point where we really don't need actual bricks and mortar bank branches and people can do everything online, but what's coming through loud and clear today is that in our native communities, that's not the case, and we still very much need those physical financial service locations. We need those personal relationships with the folks that we're working with with regard to our financial transactions. So again, just a really, really interesting discussion today, and let's bring another guest into the conversation now. He is joining us from Minneapolis, Minnesota, Gary Garvin is a financial representative. He is Ho chunk. Gary, welcome to native America calling. Hey, good morning, Sean. Thanks for having me on. Absolutely, Gary. And I know that financial planning is a big part of your job. What else does that entail? Yeah, so I guess I'm with a M and a catalyst and the firm specializes in insurance strategies, investment strategies. Retirement income planning, college, one strategies, maybe if someone's in the charitable giving that it's a real comprehensive financial planning firm. And so just let me take a couple of minutes and I can explain a little bit about what we do and how we do it. Typically, typically, how it works for us is our team gets hired to be a CFO or a PFO type of person for a client and or their business if they own a business. So PFO that would be a personal finance officer. And what we're going to do is walk in partnership with that particular person to help them make all their ongoing decisions and it's built around ten, 15, 20 plus year relationship. So ideally we want to work together forever because that's where we can build scale synergy and trust when we're helping to make decisions. And most of the people that we work with are pretty smart people and they're diligent. They do a good job saving, sometimes they need help with the financial piece, but they've got pretty good habits built out and it's not necessarily that they need us. Typically going to do a good job and have enough things and accomplish a lot of goals, but what they typically hire us for is two main reasons. One, you know, they want to spend their time doing what they're good at and where they want to spend it, that could be their job, their business, their family, whatever. And they want to be able to spend their time doing those things and they want to be able to get delegate all the financial insurance investment tax and all that stuff to somebody else. And so we're a good fit for that. Because people are able to buy their time back through us. And then maybe the second is even if things may be may end up in a great spot. Interested in optimizing everything. So everything they have, I guess..