Episode
Overdraft Fees, Unclaimed State Money, and How Balance Transfers Really Work
- Published
- Sep 15, 2026
- Duration seconds
- 3533
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Summary
Hosts: Ralph Estep Jr, a licensed public account of over 30 years + Juliet, a first-time entrepreneur Here's what we got into today: 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 I explained how to call your bank and opt out of debit and ATM overdraft coverage so you stop paying that $35 fee 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 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 I answered a question on tackling credit card debt, comparing personal loans, home equity lines of credit, settlements, and bankruptcy 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 Got a money question for me? Send it to us at becomingfinanciallyconfident.com/voicemail . Or come watch us live every weekday, 11:30 am ET at becomingfinanciallyconfident.com/live . Have a great week, everybody. Links mentioned in this episode: becomingfinanciallyconfident.com/stamps becomingfinanciallyconfident.com/wallet becomingfinanciallyconfident.com/ezwill Follow us on our socials: LinkedIn Facebook Group Instagram Skool Community Shoutout to Practical Prepping ! Thank you, Mark and Krista! https://practicalprepping.info/podcast