Your first memories of money shape how you think, feel, and act with money today. In this reflective episode, CFP® professional Jim Munchbach explores how early money messages—around security, scarcity, or generosity—impact your financial life and how to rewrite that story with purpose.

00:00:00 – Opening from Stephen F. Austin State Park Jim and the crew kick off the episode from Stephen F. Austin State Park, setting the stage for this heartfelt conversation about money memories and intentions.

00:04:47 – Apple Home School Lesson: Text Replacement A quick tech tip on how Apple’s Text Replacement can simplify daily communication. A great productivity tool for families, students, and professionals alike.

00:05:34 – Michigan Trip: Hawke Island & Caleb’s First Snowball A sweet, family-centered moment from a Michigan trip reminds us that money is not just numbers—it’s about creating and protecting life’s meaningful experiences.

00:08:40 – Three More Financial Planning Checklists Explore three practical tools designed for 2026 to bring clarity to your financial planning:

1. Issues to Consider in a Client Annual Review Meeting
2. A yearly reset tool to help you notice what has changed, what is drifting, and what needs attention before small issues become big ones.
3. Issues to Consider as a New Client A starting-point checklist that helps you organize your full financial picture—numbers, life events, responsibilities, and concerns—before you try to make important decisions.
4. Important Milestones A simple age-based guide that shows which financial decisions tend to show up next, so fewer things catch you off guard as life and responsibilities grow.

00:14:51 – Your First Memories of Money Jim dives into the heart of the episode—how early childhood money experiences continue to shape your decisions and mindset as an adult.

00:17:18 – Uncle Hank’s First Memories of Money Hear a powerful story from Uncle Hank about how early lessons formed his lifelong money attitudes. A prompt for you to consider what beliefs you’ve carried forward.

00:27:57 – From Make Your Money Count – “First Memories of Money” A short excerpt from Jim’s book, Make Your Money Count, illustrating the power of awareness in changing your money story.

00:30:00 – Blue Book Spiritual Reflection Faith: Day 2 reflection. Jim connects trust and provision to personal finance, inviting listeners to root financial choices in faith, not fear.

00:43:00 – Close Final thoughts and takeaways—an invitation to reflect intentionally on your money journey and plan for a mission-driven financial life.

1. Your first memories of money still influence how you spend, save,...