Master Your Money
PHFA, Holly Zugay, Renae Hyson
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Master Your Money is a personal finance podcast from PHFA that focuses on building a strong financial foundation for the future. Episodes cover practical money management topics, including budgeting, saving, and other everyday financial decisions. The show is hosted by Holly Zugay and Renae Hyson and aims to make financial planning approachable. Music is credited to Purple Planet.
Episodes
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Ins and Outs of Social Security - Part1 21.07.2026 20mIn this episode, Holly and I begin our discussion about the ins and outs of Social Security. In Part 1 of this 3-part series, we talk about the history of Social Security and how it became what it is today. We also talk about Social Security qualifications and benefits. Take a listen and we'll give you some tips about how to maximize your Social Security in retirement and how it all works! -
Retirement - Part 3 24.02.2026 11mThis episode concludes our three part series about retirement. In the last two episodes, we discussed retirement goals, what you need to reach those goals and ways to have the money to bring those goals to reality. In this episode, we talk about what you should be doing at different ages to make your retirement dreams come true. Big tip - the younger you start saving the easier it'll be to move into retirement with the financial stability you'll need. -
Retirement - Part 2 30.01.2026 14mWelcome to Part 2 of our 3-part series about preparing for retirement. In this episode, Holly and I talk about what some of the retirement saving plan options are. So, take a listen to find out how we can help you along your retirement readiness journey. -
Retirement - Part 1 29.12.2025 12mWelcome to Master Your Money's three-part series discussing retirement. This is the first part of the series where we'll be talking about setting retirement goals, how much money is needed for retirement, and some of the sources of that money. You're never too young to start planning for your retirement. Take a listen and let Holly and me help you get started no matter what your age. -
Gig Economy 29.12.2025 9mWhat is the Gig Economy? Listen to this episode to find out. We'll explain what it is, tips to maneuver it, how do taxes figure in, and how it can work to help financially now and in retirement. Check it out to see if the Gig Economy is something that might be interesting to you. -
Be Financially Prepared for a Natural Disaster 18.08.2025 10mHave you ever thought about everything you would need to do if a natural disaster strikes? Being financially prepared is something you may not have thought of. In this episode, Holly and I discuss tips and ideas to help you with that. Possibly being displaced from your home is bad enough, but making a plan and being financially prepared can make it a lot easier. -
Managing Student Loan Debt - Part 3 14.07.2025 17mThis is Part 3 of our three part series discussing Managing Student Loan Debt. In the past two episodes we talked about different types of schools and programs, the costs of these schools and programs, financial aid, and different types of loans available to college students and their parents. We hear a lot in the news and on social media about how a lot of students have trouble repaying their student loans after they graduate and join the work force. So, in this episode, we're going to talk about repaymnent options and the ins and outs of what to do after you've completed college or a trade school program. Holly's going to guide us through all the options available. -
Managing Student Loan Debt - Part 2 14.07.2025 14mWelcome to Part 2 of our three part series about Managing Student Loan Debt. In Part 1, we talked about career selection, higher education institutions and prgrams, the various resources used to pay for higher education and the financial aid process. Financial aid can be very helpful and pay off in the end. In this episode we move on to the "most complicated" way to pay for higher education - student loans. -
Managing Student Loan Debt - Part 1 14.07.2025 21mThis is Part 1 of a three part series where we'll discuss Managing Student Loan Debt. We have a lot of great tips for our younger listeners who are considering furthering their education or just graduated and are now faced with paying those student loans back. It's also going to give some pointers for those parents with children headed on to scholastic greatness. Take a listen if you fall into either of these categories, student or parent. -
Tax Benefits of Homeownership 25.11.2024 9mTax season will be here before you know it. We talked about some tax strategies in Episode 6, so today Holly will tell you more about how owning your home can help you with your taxes. Take a listen and be ahead of the game when tax season rolls around again. -
Autos - Buy vs. Lease 25.11.2024 8mIf you're thinking it's time for a new vehicle and don't know whether to buy or lease, be sure to listen to this episode. Holly and I have lots of information that could help you decide which option is best for you! -
Building Wealth Beyond Homeownership 12.03.2024 7mAs we continue to share information that will help you become more financially savvy and help build your skills when it come to making your money work for you not against you, today we talk about building your wealth beyond homeownership and why that is important to your financial well being. -
Using Home Equity 16.02.2024 6mWe finished up the last Borrow To Grow episode in Episode 17. Now we're going to start talking about some topics that can help potential homebuyers open doors with the end goal of building generational wealth for individuals and their families. The first thing we're going to discuss in this episode is home equity...what it is, how to best use it, how to access it, what the different home equity loans are, and what home equity costs. So take a listen as we continue to help you Master Your Money. -
Borrow to Grow - Part 4 01.11.2023 7mIn this episode, we'll be finishing the Borrow to Grow section with episode 4. We'll explain what a predatory lender is, who they target and how to spot these types of lenders. Tune in to find out what to look out for and protect yourself from being taken advantage of by committing to a predatory loan product. -
Borrow to Grow - Part 3 01.11.2023 10mCOVID knocked us off the rails for a little while, but we are back! We're picking up right where we left off with the Borrow to Grow topics. This is Part 3 and in this episode we'll be talking about managing your debt. Listen for some great tips about how to use credit, managing your credit score, and more! -
AMERICA SAVES WEEK 2023 - Saving at Any Age 03.03.2023 8mIt's the last day of America Saves Week, and we're closing out the week talking about Saving at Any Age. It's important to know that no matter what age you are, you can always start saving. Savings is savings, no matter if its $5.00 a month or $500 plus a month. Just start saving! Your future self will thank you! We hope everyone enjoyed our America Saves Week topics and that you can now start prioritizing your savings as you reach for your future financial goals and dreams! Please visit AmericaSavesWeek.org for more information and resources. Here's to you being a more financially confident you! -
AMERICA SAVES WEEK 2023 - Paying Down Debt is Saving 02.03.2023 10mWe continue talking about growing your savings during Day 4 of America Saves Week. In this episode Holly tells us how paying down our debts can help our savings grow. It's great information, so tune in now! -
AMERICA SAVES WEEK 2023 - Saving for Major Milestones 01.03.2023 7mAmerica Saves Week continues with Saving for Major Milestones. Do you want to be ready to purchase that dream car, or pay for that beautiful wedding, or save for your children's college? In this episode we'll help you figure out how to do just that. -
AMERICA SAVES WEEK 2023 - Saving for the Unexpected 28.02.2023 5mWe're talking about Saving for the Unexpected on Day 2 of America Saves Week. Join us as we give you tips about how to be ready if an unexpected financial calamity comes your way or if an unexpected fun opportunity presents itself. Listen in to continue your journey to meeting your financial goals. -
AMERICA SAVES WEEK 2023 - Saving Automatically 27.02.2023 9mWe're celebrating America Saves Week February 27 through March 3. We'll be sharing great information over five (5) podcast episodes to get you motivated to be a financially confident you! We start out in our first episode talking about saving automatically.
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