Fraud attempts are on the rise and knowing what to look for can help you protect your accounts. Fraudsters are increasingly using spoofing tactics - pretending to be trusted companies -- such as pretending to be We Florida Financial --  to try to access your personal and financial information.

Hello again, from your guest blogger Mommy Money. We are in the middle of summer in South Florida and if you are like me, you are thinking…is it HOTTER this year! Hotter summer triggers even more concern; the hot ocean water means bigger hurricanes. It’s inevitable that we will have storms that cause a ruckus. The question on my mind is “Am I prepared?”   

Why I Want to Share My Story

Hello credit union members, I am a guest blogger for the next few months. Why did I volunteer to share my experiences? It’s not just my 36 years of banking experience, it’s the perspective from a now middle-aged woman with a husband, three grown children and one young grandchild. I have been through the ups and downs both in the financial industry and in my personal life. My wish is that I can bring a very personal touch to the blog and help some of you with relatable topics.

Having a savings account is already a smart financial move, but adding a second one can take your strategy to the next level. A secondary savings account helps you manage your money with more clarity, intention, and organization. Whether you’re setting aside funds for a future trip, planning for seasonal expenses, or preparing for unexpected repairs, creating a separate account gives each goal its own space.

Rather than keeping all your savings in one place and trying to mentally divide the funds, a secondary account allows you to visually track and stay on target with individual goals. At We Florida Financial, opening a secondary savings account is simple and comes with no monthly maintenance fees, giving you more control without added cost.

💰 Max Out Catch-Up Contributions

Hitting 50 may feel like a wake-up call, but financially, it comes with a unique advantage: catch-up contributions. These are additional amounts that the IRS allows you to invest in retirement accounts beyond the standard annual limits. For 2025, you can contribute up to $30,500 to your 401(k) and $8,000 to your IRA (if eligible). This means you can turbocharge your retirement savings during what may be your highest-earning years. If you’ve fallen behind or started saving later in life, these contributions can help you make up serious ground. Even increasing your contributions by 5% of your paycheck now could result in tens of thousands more in retirement, thanks to compound growth. If you have an employer match, that’s even more money working on your behalf.

For millennials, managing credit and debt is more than just keeping up with monthly bills—it’s about laying the foundation for long-term financial success. Whether it’s climbing out of student debt, improving a credit score, or making smarter borrowing choices, credit and debt management remains one of the most searched—and most impactful—financial topics today.

As we progress through 2025, the U.S. housing market presents a complex landscape, especially for millennials striving for homeownership. Economic fluctuations, policy shifts, and evolving market dynamics are influencing both opportunities and challenges.

Let’s face it—tax season can be a real headache. Whether you’re filing on your own or working with a tax preparer, the process is rarely enjoyable. And if you end up owing money to the IRS or your state government? That’s the cherry on top of a financially stressful sundae.

For many people, it’s not just the paperwork that’s overwhelming—it’s the payment. Having to suddenly come up with hundreds or even thousands of dollars can seriously derail your finances if you haven’t planned ahead. But here’s the good news: a little preparation throughout the year can make next tax season feel like no big deal.

Banking is evolving, but your relationship with your credit union doesn’t have to disappear behind a screen.

As digital technology continues to transform industries, financial services are no exception. From mobile banking apps to AI-powered financial tools, today’s consumers enjoy more control and convenience than ever before. But in a world of automation, personalization matters more than ever.

In today's turbulent economy, stability is more valuable than ever.

Between fluctuating interest rates, rising inflation, and international tensions impacting markets, it's no surprise that many individuals and families are seeking financial safe havens. Credit unions like We Florida Financial are stepping up to the challenge by offering reliable, people-first solutions during times of uncertainty.

In today’s unpredictable financial landscape, finding a balance between earning more and keeping your money safe is top of mind for many investors. If you're someone who prefers stability over risk, but still wants your money to work for you, it's time to consider CD laddering—a smart, flexible savings strategy built for people who want both growth and access.

In today’s digital landscape, scammers are constantly evolving their tactics to deceive users, and a new phishing scam is making rounds under the guise of an “Important Warning from Meta.” This fraudulent message claims that your Facebook page is scheduled for permanent deletion due to a supposed trademark infringement, urging you to take immediate action by clicking a malicious link.

If you or your business receives a message like this, do not click on the link. Instead, here’s what you need to know about this scam and how to protect yourself.

The Risks of Meme Coins vs. The Security of Long-Term Investments: Why CDs, Interest-Bearing Accounts, and Other Secure Options Are the Smarter Choice

In recent years, the rise of meme coins and viral investing trends has captured the attention of both novice and seasoned investors alike. Buzzwords like "to the moon" and "diamond hands" flood social media platforms, encouraging individuals to jump on the latest cryptocurrency bandwagon with the hope of striking it rich overnight. While the allure of quick profits is tempting, the reality is that these speculative investments come with significant risks. Conversely, secure financial products like Certificates of Deposit (CDs), Interest-Bearing accounts, and other low-risk investments offer stability, growth, and long-term financial peace of mind.

The road to homeownership isn’t just about finding a house you love—it’s about making informed financial decisions that set you up for long-term success. To avoid common pitfalls in the homebuying process and ensure you’re fully prepared, it’s crucial to follow a structured approach.

Let’s break it down into five key steps every first-time homebuyer should take.

February isn’t just about hearts and flowers—it’s the perfect time to show your finances some love! With tax season approaching and New Year resolutions still fresh, now is the time to build better money habits that last all year long. Here are a few smart financial moves you can make this February that will make you love your finances even more.

Your Guide to Roth IRA Conversions

Retirement planning might not always sound exciting, but what if we told you there’s a way to give your future savings a major glow-up? That’s where a Roth IRA conversion comes in. It’s not just about crunching numbers—it’s about taking control of your financial future and setting yourself up for success. Let us be your guide to Roth IRA conversions and why converting might be your next big money move.

As the new year approaches, Social Security and savings updates could have an impact on your financial strategies. Staying informed is essential for retirees, those preparing for retirement, and working professionals aiming to secure a stable financial future. We Florida Financial, together with our trusted partner GreenPath, is here to guide you through these changes and help you make the most of new opportunities.

The New Year is a time for fresh starts, big plans, and meaningful resolutions. For many, that includes getting their financial house in order—and at We Florida Financial, we’re here to help you amplify those 2025 retirement goals. Whether you’re saving for retirement, reassessing your financial priorities, or looking to refine your investment strategy, we’ve got the tools and expertise to guide you every step of the way.

New year, new financial goals! 🎉 Whether you're determined to save more, spend less, or tackle that lingering debt, sticking to financial resolutions can feel overwhelming. But don't worry—we've got your back. At We Florida Financial, we’re all about making your goals achievable (and maybe even a little fun!). Ready to start the year strong? Let’s dive into some easy and effective ways to make your resolutions stick.

As the year winds down and the holiday cheer takes over, it’s easy to let your financial to-dos slip to the back burner. But here’s the thing—year-end planning is the perfect gift you can give your future self. So, grab a hot cocoa, cozy up, and let’s make sure your financial strategy is ready to sparkle in the new year!