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TAIZO: ALOHA AND WELCOME
BACK.
YOU KNOW, WOMEN ARE MORE LIKELY
THAN MEN TO LEAVE THE WORKFORCE
TO CARE OUR OUR CHILDREN,
PARENTS AND FAMILY MEMBERS AND
THEY TEND TO OUTLIVE US.
WHETHER THEY'RE SINGLE OR
MARRIED, DOESN'T MATTER.
THEY NEED TO TAKE CONTROL.
THAT'S WHY HawaiiUSA FEDERAL
CREDIT UNION COMES IN.
RHONDA, I WANT TO TALK TO YOU.
I WAS RAISE BY A SINGLE MOM.
A PROFESSIONAL MOM.
I DON'T KNOW HOW SHE WAS ABLE TO
BALANCE SENDING ME TO SCHOOL,
HANDLING THE FINANCIAL AND
PERSONAL LIFE.
WHAT ARE THE TYPES OF FINANCIAL
CHALLENGES THAT WOMEN, WORKING
WOMEN FACE TODAY?
LIKE YOU SAID, YOU WERE
RAISED BY A SINGLE MOM.
SHE MANAGED THE HOUSE, SHE
MANAGED YOU.
I BELIEVE IT'S IN WOMEN'S DNA TO
TAKE CARE OF EVERYONE.
TAKE CARE OF EVERYTHING.
SO FINANCIAL -- THAT'S ONE OF
THE FINANCIAL CHALLENGES, TRYING
TO MANAGE ALL OF THAT.
WAT WE CAN DO IS TAKE A HARD
LOOK AT EVERYTHING THAT WE HAVE.
BE HONEST.
FOR THE MOST PART, AS A
CAREGIVER, THAT ROLE THAT WE
TAKE, WE TEND TO LEAVE WORK
EARLY.
TAIZO: YES.
TAKE CARE OF OUR KIDS.
TAIZO: IT WAS FUNNY THAT
WE'RE TALKING ABOUT THIS.
I LOOK BACK ON IT, AND I LOVE MY
FATHER.
HE WAS WORKING OVERSEAS BUT I'M
GLAD MY MOM WAS TAKING CARE OF
ME.
IT'S NURTURING.
SOMETIMES IN SOCIETY WE HAVE A
CHOICE, WHETHER THE FATHER OR
MOM, BUT THE MOM, SHE'S MOM.
YOU WANT TO HAVE HER TAKE CARE.
WHEN YOU IDENTIFY AND SEE THOSE
CHALLENGES, YOU WERE TALKING
ABOUT BUDGET BUT WHAT'S THE BEST
WAY WE CAN START TACKLING THE
CHALLENGES?
NOT OVERWHELM US.
ONE OF THE BEST WAYS WE CAN
START WITH MANAGING OUR FINANCES
IS BUDGETING.
THAT'S ONE ASPECT OF MONEY
MANAGEMENT.
START OFF WITH A BUDGET, TAKE A
LOOK AT YOUR INCOME AND
EXPENSES.
TAKE A LOOK AT THE DIFFERENT
RESOURCES THAT ARE ONLINE
THROUGH BOOKS AND SEMINARS.
ANOTHER GOOD THING, FOR ME
PERSONALLY, IS ASKING FRIENDS
AND FAMILY.
THEY'RE OUR TRUSTED RESOURCES
NOWADAYS VERSUS SOCIAL MEDIA.
TAIZO: I LOVE HOW YOU SAY
THAT.
YOU'RE SUCH A OHANA.
WHEN IT COMES TO HEARING ADVICE
AND OTHER PEOPLE'S EXPERIENCES,
IT MAKES A DIFFERENCE.
IT DOES.
TAIZO: AND THEY KNOW WHAT
YOU'RE GOING THROUGH.
IT MAKES IT A LITTLE BIT MORE
PERSONAL AND A LOT MORALE.
TAIZO: YOU'RE ALWAYS ABOUT
EDUCATING AND HELPING SPREAD THE
KNOWLEDGE.
WHEN SOMEONE GETS THIS
KNOWLEDGE, AND YOU PUT THE
BUDGET OUT, HOW DO I TAKE THAT
AND MAKE SOME CHANGES?
WHAT WE CAN DO IS MAKE IT
PERSONAL, WRITE DOWN THE GOALS,
WHETHER IT'S GOING BACK TO
SCHOOL, RETIRING EARLY, BUYING A
HOUSE.
THOSE ARE VERY GOOD GOALS.
WRITE THAT DOWN THE TAKE A LOOK
AT YOUR INCOME, YOUR EXPENSES.
BEING HONEST WITH YOURSELF.
DO I REALLY NEED TO GO TO
STARBUCKS EVERY DAY?
TAIZO: THAT CAN ADD UP.
IF YOU HAVE THE GOAL HERE AND
BUDGET HERE, YOU CAN SEE WHERE
THAT LINE IT.
A LITTLE DIFFERENCE HERE MAKES
THIS MORE OBTAINABLE.
I LOVE THAT.
AGAIN, WHEN YOU'RE TALKING ABOUT
THAT GOAL, IT CAN BE A LONG-TERM
PROCESS.
ALL OF THESE THINGS ARE GREAT --
WHETHER I WANT TO BUY A HOUSE OR
CAR.
THEY CAN SEE YOU ABOUT THAT.
YOU HAVE ALL THE FINANCIAL
TOOLS.
YES.
TAIZO: WHAT ABOUT ADVICE FOR
STAYING IN TRACK LONG TERM?%SOMETIMES IT TAKES A COUPLE
YEARS TO REACH YOUR GOALS.
AT HAWAI'I USA WE HAVE LEAP.
WE HAVE DIFFERENT EDUCATIONAL
MODULES STARTING WITH FINANCIAL
PLANNING, BUDGETING, MONEY
MANAGEMENT.
USE THOSE TULES TOOLS THAT ASK HELP
YOU.
TAIZO: I GOT TO SEE AND BE
PART OF ONE OF THESE EARLY
SEMINAR PROGRAMS.
NO HASSLE, NO PRESSURE.
COME DOWN.
YOU LEARN SO MUCH.
WE WERE JOKING ABOUT THIS.
I HAD TO PUT MY FINANCIAL GOAL
AND WHICH BURIED IT.
THERE'S A TIME CAPSULE AND THAT
ACT STUCK WITH ME A COUPLE
MONTHS NOW.
SOMETIMES I GO TO THE STORE, I
DON'T NEED SODA.
I REMEMBER WHEN WE OPENED UP
THAT TIME CAPSULE, I WANT TO BE
WITH MY GOAL.
DO YOU SEE PEOPLE HAVE THAT SAME
RESPONSE AS WELL?
YES, DEFINITELY.
WHEN YOU'RE WRITING IT DOWN, IT
MAKES IT MORE TANGIBLE AND REAL.
TAKE THE TIME TO REVISIT YOUR
GOAL OVER A CERTAIN AMOUNT OF
TIME BECAUSE THERE ARE SO MANY
THINGS THAT CAN CHANGE IN YOUR
LIFE.
TAIZO: GOOD POINT.
PROMOTION AT YOUR JOB.
MAYBE YOU DECIDE TO RETIRE
EARLY.
REVISIT THAT.
TAIZO: AND COME AND REVISIT
YOU.
YOU CAN ADVISE US ALL THE WAY
THROUGH.
THANK YOU SO MUCH FOR COMING AND
TALKING ABOUT THIS.
THIS IS SO IMPORTANT.
ESPECIALLY IMPORTANT FOR ME
BECAUSE RAISED BY A SINGLE MOM,
I KNOW HOW CHALLENGING IT IS.