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    <title>Money &amp; More - audio only</title>
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    <link>https://ombmoneyandmorepodcast.podbean.com</link>
    <description><![CDATA[Welcome to Money &amp; More, presented by OMB Bank, the podcast that helps you take control of your finances and your future. We break down essential topics like budgeting, loans, investing, and homeownership—with a side of lifestyle insights and real-life money talk. Whether you’re paying off debt, planning a big purchase, or just trying to make smarter choices, you’ll find practical tips, expert insights, inspiration to help you get there, and maybe even a laugh or two.<br /><br />We break down complex topics into simple, actionable advice you can actually use—no stuffy financial jargon, no shame, and no judgment.<br />You’ll hear from financial experts, real people with real stories, and our host’s own experiences navigating everything from debt to home buying to planning for the future. It’s honest, relatable, humorous, and always focused on helping you take that next step, wherever you’re starting from.<br /><br />Whether you’re listening during your commute, on your coffee break, or while folding laundry, Money &amp; More is here to make finance feel a little less overwhelming—and a lot more doable.<br /><br />New episodes drop every month – listen anywhere podcasts are available!]]></description>
    <pubDate>Fri, 01 May 2026 06:00:00 -0500</pubDate>
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    <language>en</language>
        <copyright>Copyright 2025 All rights reserved.</copyright>
    <category>Business</category>
    <ttl>1440</ttl>
    <itunes:type>episodic</itunes:type>
          <itunes:summary></itunes:summary>
        <itunes:author>ombmoneyandmorepodcast</itunes:author>
<itunes:category text="Business" />
<itunes:category text="Education" />
    <itunes:owner>
        <itunes:name>ombmoneyandmorepodcast</itunes:name>
            </itunes:owner>
    	<itunes:block>No</itunes:block>
	<itunes:explicit>false</itunes:explicit>
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        <title>Money &amp; More - audio only</title>
        <link>https://ombmoneyandmorepodcast.podbean.com</link>
        <width>144</width>
        <height>144</height>
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    <item>
        <title>How to Spot and Avoid Digital Financial Scams - audio only</title>
        <itunes:title>How to Spot and Avoid Digital Financial Scams - audio only</itunes:title>
        <link>https://ombmoneyandmorepodcast.podbean.com/e/how-to-spot-and-avoid-digital-financial-scams-audio-only/</link>
                    <comments>https://ombmoneyandmorepodcast.podbean.com/e/how-to-spot-and-avoid-digital-financial-scams-audio-only/#comments</comments>        <pubDate>Fri, 01 May 2026 06:00:00 -0500</pubDate>
        <guid isPermaLink="false">ombmoneyandmorepodcast.podbean.com/11394859-bca2-3af1-991f-29fafeedca10</guid>
                                    <description><![CDATA[<p class="p1">Learn how to protect your money and identity from digital scams. Spot the red flags, avoid common traps and follow expert tips for banking safer online.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p class="p1">Learn how to protect your money and identity from digital scams. Spot the red flags, avoid common traps and follow expert tips for banking safer online.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/hwrj3ybvwjysdqd9/Full_Episode_11_-_audio_only9rjuv.m4a" length="63951590" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[Learn how to protect your money and identity from digital scams. Spot the red flags, avoid common traps and follow expert tips for banking safer online.]]></itunes:summary>
        <itunes:author>ombmoneyandmorepodcast</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2057</itunes:duration>
                <itunes:episode>11</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>How to Stay Productive Working from Home - audio only</title>
        <itunes:title>How to Stay Productive Working from Home - audio only</itunes:title>
        <link>https://ombmoneyandmorepodcast.podbean.com/e/how-to-stay-productive-working-from-home-audio-only/</link>
                    <comments>https://ombmoneyandmorepodcast.podbean.com/e/how-to-stay-productive-working-from-home-audio-only/#comments</comments>        <pubDate>Wed, 01 Apr 2026 07:00:00 -0500</pubDate>
        <guid isPermaLink="false">ombmoneyandmorepodcast.podbean.com/e2742880-e0b9-3972-b925-bf9a7d156d51</guid>
                                    <description><![CDATA[<p class="p1">Remote work has become the norm for many professionals, offering flexibility and convenience. However, working from home can also present challenges when it comes to maintaining productivity. If you’re a full-time or even hybrid remote worker keen on improving your productivity, here are some essential tips to help you harness the benefits of working from home while staying focused.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p class="p1">Remote work has become the norm for many professionals, offering flexibility and convenience. However, working from home can also present challenges when it comes to maintaining productivity. If you’re a full-time or even hybrid remote worker keen on improving your productivity, here are some essential tips to help you harness the benefits of working from home while staying focused.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/bvmirzkuy8s7qcx2/Full_Episode_10_-_audio_only6q7qs.mp4" length="32921350" type="video/mp4"/>
        <itunes:summary><![CDATA[Remote work has become the norm for many professionals, offering flexibility and convenience. However, working from home can also present challenges when it comes to maintaining productivity. If you’re a full-time or even hybrid remote worker keen on improving your productivity, here are some essential tips to help you harness the benefits of working from home while staying focused.]]></itunes:summary>
        <itunes:author>ombmoneyandmorepodcast</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2040</itunes:duration>
                <itunes:episode>10</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>How to Build an Emergency Fund from Scratch - audio only</title>
        <itunes:title>How to Build an Emergency Fund from Scratch - audio only</itunes:title>
        <link>https://ombmoneyandmorepodcast.podbean.com/e/how-to-build-an-emergency-fund-from-scratch-audio-only/</link>
                    <comments>https://ombmoneyandmorepodcast.podbean.com/e/how-to-build-an-emergency-fund-from-scratch-audio-only/#comments</comments>        <pubDate>Sun, 01 Mar 2026 07:00:00 -0600</pubDate>
        <guid isPermaLink="false">ombmoneyandmorepodcast.podbean.com/c12b873d-c6e9-398a-a733-7cf4e1f9b402</guid>
                                    <description><![CDATA[<p class="p1">Building an emergency fund is one of the smartest financial moves you can make - it provides a safety net for unexpected expenses and can help you avoid debt when life throws curveballs. In this episode, we’ll walk you through practical steps to create an emergency fund, no matter your income or current savings.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p class="p1">Building an emergency fund is one of the smartest financial moves you can make - it provides a safety net for unexpected expenses and can help you avoid debt when life throws curveballs. In this episode, we’ll walk you through practical steps to create an emergency fund, no matter your income or current savings.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/8a27jesah8guab99/Full_Episode_-_audio_only8che4.m4a" length="29337619" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[Building an emergency fund is one of the smartest financial moves you can make - it provides a safety net for unexpected expenses and can help you avoid debt when life throws curveballs. In this episode, we’ll walk you through practical steps to create an emergency fund, no matter your income or current savings.]]></itunes:summary>
        <itunes:author>ombmoneyandmorepodcast</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1848</itunes:duration>
                <itunes:episode>9</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>All About Credit Scores - audio only</title>
        <itunes:title>All About Credit Scores - audio only</itunes:title>
        <link>https://ombmoneyandmorepodcast.podbean.com/e/all-about-credit-scores-audio-only/</link>
                    <comments>https://ombmoneyandmorepodcast.podbean.com/e/all-about-credit-scores-audio-only/#comments</comments>        <pubDate>Sun, 01 Feb 2026 07:00:00 -0600</pubDate>
        <guid isPermaLink="false">ombmoneyandmorepodcast.podbean.com/fe82c086-d49d-3796-a42b-e56437639e7e</guid>
                                    <description><![CDATA[<p class="p1">Get helpful information and tips about all things credit scores! Learn how your score is determined, what it means, and how to raise it.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p class="p1">Get helpful information and tips about all things credit scores! Learn how your score is determined, what it means, and how to raise it.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/6r9fkastmpje8eet/OMB_EP_8_-_audio_only64tm7.mp4" length="22074200" type="video/mp4"/>
        <itunes:summary><![CDATA[Get helpful information and tips about all things credit scores! Learn how your score is determined, what it means, and how to raise it.]]></itunes:summary>
        <itunes:author>ombmoneyandmorepodcast</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1367</itunes:duration>
                <itunes:episode>8</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>How to Plan a Family Vacation on a Budget - audio only</title>
        <itunes:title>How to Plan a Family Vacation on a Budget - audio only</itunes:title>
        <link>https://ombmoneyandmorepodcast.podbean.com/e/how-to-plan-a-family-vacation-on-a-budget-audio-only/</link>
                    <comments>https://ombmoneyandmorepodcast.podbean.com/e/how-to-plan-a-family-vacation-on-a-budget-audio-only/#comments</comments>        <pubDate>Thu, 01 Jan 2026 06:00:00 -0600</pubDate>
        <guid isPermaLink="false">ombmoneyandmorepodcast.podbean.com/03e438cf-8812-331d-aac3-1ec311c54700</guid>
                                    <description><![CDATA[<p class="p1">Family vacations don’t have to mean financial stress. With a few smart strategies - and a little help from ChatGPT - you can plan a memorable getaway that won’t break the bank.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p class="p1">Family vacations don’t have to mean financial stress. With a few smart strategies - and a little help from ChatGPT - you can plan a memorable getaway that won’t break the bank.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/84tcvqd4iz3mh4ju/OMB_EP7_-_audio_only6zapz.mp4" length="23430098" type="video/mp4"/>
        <itunes:summary><![CDATA[Family vacations don’t have to mean financial stress. With a few smart strategies - and a little help from ChatGPT - you can plan a memorable getaway that won’t break the bank.]]></itunes:summary>
        <itunes:author>ombmoneyandmorepodcast</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1450</itunes:duration>
                <itunes:episode>7</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Simple Ways to Reduce Your Monthly Utility Bills - audio only</title>
        <itunes:title>Simple Ways to Reduce Your Monthly Utility Bills - audio only</itunes:title>
        <link>https://ombmoneyandmorepodcast.podbean.com/e/simple-ways-to-reduce-your-monthly-utility-bills-audio-only/</link>
                    <comments>https://ombmoneyandmorepodcast.podbean.com/e/simple-ways-to-reduce-your-monthly-utility-bills-audio-only/#comments</comments>        <pubDate>Mon, 01 Dec 2025 04:00:00 -0600</pubDate>
        <guid isPermaLink="false">ombmoneyandmorepodcast.podbean.com/0af88802-2967-38a4-a863-0fb32878644b</guid>
                                    <description><![CDATA[<p class="p1">Discover practical and simple ways to reduce your utility bills with tips that help you conserve energy, lower costs and keep your budget on track.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p class="p1">Discover practical and simple ways to reduce your utility bills with tips that help you conserve energy, lower costs and keep your budget on track.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/7ayudkgshbfija9j/OMB_EP6_-_audio_onlyamzv6.m4a" length="28354889" type="audio/x-m4a"/>
        <itunes:summary><![CDATA[Discover practical and simple ways to reduce your utility bills with tips that help you conserve energy, lower costs and keep your budget on track.]]></itunes:summary>
        <itunes:author>ombmoneyandmorepodcast</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1786</itunes:duration>
                <itunes:episode>6</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Is It Better to Rent or Buy Your Home? - audio only</title>
        <itunes:title>Is It Better to Rent or Buy Your Home? - audio only</itunes:title>
        <link>https://ombmoneyandmorepodcast.podbean.com/e/is-it-better-to-rent-or-buy-your-home-audio-only/</link>
                    <comments>https://ombmoneyandmorepodcast.podbean.com/e/is-it-better-to-rent-or-buy-your-home-audio-only/#comments</comments>        <pubDate>Sat, 01 Nov 2025 05:00:00 -0500</pubDate>
        <guid isPermaLink="false">ombmoneyandmorepodcast.podbean.com/6d9a685d-c706-301d-9694-8d5ab0bfe76e</guid>
                                    <description><![CDATA[<p class="p1">In today's housing market, deciding whether to rent or buy a home is more complex than ever. Get insights on how to decide using market conditions, plus your individual financial situation, goals, and long-term plans.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p class="p1">In today's housing market, deciding whether to rent or buy a home is more complex than ever. Get insights on how to decide using market conditions, plus your individual financial situation, goals, and long-term plans.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/vekr6xtc8rz8qsqt/omb_ep5_-_audio_only6p1bj.mp3" length="51144748" type="audio/mpeg"/>
        <itunes:summary><![CDATA[In today's housing market, deciding whether to rent or buy a home is more complex than ever. Get insights on how to decide using market conditions, plus your individual financial situation, goals, and long-term plans.]]></itunes:summary>
        <itunes:author>ombmoneyandmorepodcast</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2142</itunes:duration>
                <itunes:episode>5</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>How Much Money Should You Keep in a Checking Account? - audio only</title>
        <itunes:title>How Much Money Should You Keep in a Checking Account? - audio only</itunes:title>
        <link>https://ombmoneyandmorepodcast.podbean.com/e/how-much-money-should-you-keep-in-a-checking-account-audio-only/</link>
                    <comments>https://ombmoneyandmorepodcast.podbean.com/e/how-much-money-should-you-keep-in-a-checking-account-audio-only/#comments</comments>        <pubDate>Wed, 01 Oct 2025 06:00:00 -0500</pubDate>
        <guid isPermaLink="false">ombmoneyandmorepodcast.podbean.com/7ce1a5da-09a3-3545-88b8-2d90fa8cd19a</guid>
                                    <description><![CDATA[<p>Learn how much money you should keep in your checking account, when to transfer to savings, and what to look for in a high-performing account.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Learn how much money you should keep in your checking account, when to transfer to savings, and what to look for in a high-performing account.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/t3ehns39ewp8ns7k/OMB_Podcast_Ep_4_audio_onlyamy0h.mp3" length="25610839" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Learn how much money you should keep in your checking account, when to transfer to savings, and what to look for in a high-performing account.]]></itunes:summary>
        <itunes:author>ombmoneyandmorepodcast</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1072</itunes:duration>
                <itunes:episode>4</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>Strategies to Help Protect Your Assets Against Inflation - audio only</title>
        <itunes:title>Strategies to Help Protect Your Assets Against Inflation - audio only</itunes:title>
        <link>https://ombmoneyandmorepodcast.podbean.com/e/strategies-to-help-protect-your-assets-against-inflation-audio-only/</link>
                    <comments>https://ombmoneyandmorepodcast.podbean.com/e/strategies-to-help-protect-your-assets-against-inflation-audio-only/#comments</comments>        <pubDate>Mon, 01 Sep 2025 06:00:00 -0500</pubDate>
        <guid isPermaLink="false">ombmoneyandmorepodcast.podbean.com/1a725373-7035-3725-9f63-73a746a10017</guid>
                                    <description><![CDATA[<p>Gain the upper hand on inflation by learning how to protect your assets using reliable strategies and long-term financial planning.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Gain the upper hand on inflation by learning how to protect your assets using reliable strategies and long-term financial planning.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/4c5938zr3skbts5z/OMB_Podcast_Ep_3_audio_only7aeab.mp3" length="44379683" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Gain the upper hand on inflation by learning how to protect your assets using reliable strategies and long-term financial planning.]]></itunes:summary>
        <itunes:author>ombmoneyandmorepodcast</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1411</itunes:duration>
                <itunes:episode>3</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>The Psychology of Spending: Why We Buy Things We Don't Need - audio only</title>
        <itunes:title>The Psychology of Spending: Why We Buy Things We Don't Need - audio only</itunes:title>
        <link>https://ombmoneyandmorepodcast.podbean.com/e/the-psychology-of-spending-why-we-buy-things-we-dont-need-audio-only/</link>
                    <comments>https://ombmoneyandmorepodcast.podbean.com/e/the-psychology-of-spending-why-we-buy-things-we-dont-need-audio-only/#comments</comments>        <pubDate>Tue, 22 Jul 2025 17:11:05 -0500</pubDate>
        <guid isPermaLink="false">ombmoneyandmorepodcast.podbean.com/3c04bf8c-d612-3174-a427-4ad0a8e8a031</guid>
                                    <description><![CDATA[<p>Get insights into the psychological triggers behind your spending habits as well as the chemical impact on your brain. Learn how emotions, social influences, and even marketing tactics sway purchases, often without us realizing it, and how to develop better money management strategies.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Get insights into the psychological triggers behind your spending habits as well as the chemical impact on your brain. Learn how emotions, social influences, and even marketing tactics sway purchases, often without us realizing it, and how to develop better money management strategies.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/fwtvb99krnuxhway/OMB_Podcast_EP_2_audio_onlybe8x4.mp3" length="50197242" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Get insights into the psychological triggers behind your spending habits as well as the chemical impact on your brain. Learn how emotions, social influences, and even marketing tactics sway purchases, often without us realizing it, and how to develop better money management strategies.]]></itunes:summary>
        <itunes:author>ombmoneyandmorepodcast</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1605</itunes:duration>
                <itunes:episode>2</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
            </item>
    <item>
        <title>7 Strategies to Pay Off Your Debt (Without Losing Your Mind) - audio only</title>
        <itunes:title>7 Strategies to Pay Off Your Debt (Without Losing Your Mind) - audio only</itunes:title>
        <link>https://ombmoneyandmorepodcast.podbean.com/e/7-strategies-to-pay-off-your-debt-without-losing-your-mind-audio-only/</link>
                    <comments>https://ombmoneyandmorepodcast.podbean.com/e/7-strategies-to-pay-off-your-debt-without-losing-your-mind-audio-only/#comments</comments>        <pubDate>Tue, 22 Jul 2025 17:10:10 -0500</pubDate>
        <guid isPermaLink="false">ombmoneyandmorepodcast.podbean.com/c74b42e7-8e7f-3656-aac4-0559a3c1e61e</guid>
                                    <description><![CDATA[<p>Whether you prefer old school budgeting methods or more modern solutions for quick wins, there’s a strategy that will work for your specific situation. Here are seven of the best to help you become debt-free.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Whether you prefer old school budgeting methods or more modern solutions for quick wins, there’s a strategy that will work for your specific situation. Here are seven of the best to help you become debt-free.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/kg4xxerq9v75q7pa/OMB_Podcast_Ep_1_audio_onlyb2vl6.mp3" length="63743631" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Whether you prefer old school budgeting methods or more modern solutions for quick wins, there’s a strategy that will work for your specific situation. Here are seven of the best to help you become debt-free.]]></itunes:summary>
        <itunes:author>ombmoneyandmorepodcast</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2034</itunes:duration>
                <itunes:episode>1</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
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