In this episode of Money and Mindset With Bright and Brian, our hosts talk to David Smith, head of consumer lending at Truist, to learn how borrowing the right amount in the right way can be important to growing your finances and well-being. They discuss:

• How our childhood and family influence our perceptions about money, debt, and finances in general

• How to cultivate a healthy mindset about debt

• Why you need to define your debt-to-income ratio before borrowing more money

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This content does not constitute legal, tax, accounting, financial, investment, or mental health advice. You are encouraged to consult with competent legal, tax, accounting, financial, investment, or mental health professionals based on your specific circumstances. We do not make any warranties as to accuracy or completeness of this information, do not endorse any third-party companies, products, or services described here, and take no liability for your use of this information.

Disclosures

Truist Bank, Member FDIC. © 2024 Truist Financial Corporation. Truist, the Truist logo and Truist Purple are service marks of Truist Financial Corporation.

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In this episode of Money and Mindset With Bright and Brian, our hosts talk to Todd Caponi, sales and negotiation expert, to learn why being upfront, honest, and transparent can get you better results. They discuss:

• Why successful negotiation is rooted in transparency.

• Why a “cards up” approach usually leads to better results.

• When it’s okay to back out of a negotiation.

If you enjoyed this episode, please:

• Leave us a rating or review on your favorite podcast platform.

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This content is provided to you for general information purposes only, and does not constitute legal, tax, accounting, financial, investment, or mental health advice. Any views or opinions expressed herein are solely those of the individual guest, and are not the product of, and may differ from the views of Truist. We do not make any warranties as to accuracy or completeness of this information, we do not endorse any third-party companies, products, or services described herein, and take no liability for your use of this information. You are encouraged to consult with competent legal, tax, accounting, financial investment, or mental health professionals based on your specific circumstances.

In Part 2 of this two-part episode of Money and Mindset With Bright and Brian, our hosts are joined by NFL veteran Jedidiah Collins, who’s a study in determination and reinvention. We’ll talk about how his career as a professional athlete led him to the world of finance. Even if you know nothing about football or sports in general, you’ll be inspired by Jed’s story and success—and you’ll see the ways you can apply his lessons to your life. You’ll learn about:

• The importance of failure—and how overcoming it can shape your next act

• Defining a pro mindset—how can we apply the qualities of athletes to our money

• Financial words of wisdom and suggestions for students and athletes

If you enjoyed this podcast, please:

• Leave us a rating or review on your favorite podcast platform.

• Subscribe for future episode alerts.

• Share it with someone!

This content is provided to you for general information purposes only. Any views or opinions expressed herein are solely those of the individual guest, and are not the product of, and may differ from the views of Truist. We do not endorse any third-party companies, products, or services described herein. You are encouraged to consult with competent legal, tax, accounting, financial investment, or mental health professionals based on your specific circumstances.