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Welcome to Financial 4.0, brought to you by Oakland University Credit Union. A FREE resource that provides financial education, resources, and tools to help you achieve your goals and dream BIG. From blogs, podcasts, quizzes, and calculators, all created by certified financial educators, this is your hub for financial learning.

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Lifestyle Creep: What It Is and How to Avoid It

BLOG | COLLEGE

3 min read | April 18, 2024

Lifestyle creep can affect anyone who has had an increase of income through a pay raise, debt payoff, or an unexpected influx of funds. Understand what lifestyle creep is, how to recognize it, and how to avoid it with this article.

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Business and Job Opportunity Scams

BLOG | FRAUD

2 min read | April 24, 2025

Scams related to business and job opportunities are more common than you might think. This article covers how fraudulent companies take advantage of those seeking new employment and ways you can protect yourself.

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Wallet Watch: The Evolution of Fraud

PODCAST | FRAUD

22 min | April 23, 2025

At some point in our lives, we have all experienced some form of fraud, an unauthorized charge on our account or a phishing email attempt. Jamie Smathers, VP of Fraud Prevention and BSA at MSU Federal Credit Union joins us to talk about fraud.

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The Three Ts to Avoid in Networking

BLOG | CAREER

3 min read | April 22, 2025

Often times people discuss the benefits of networking and what to do while actively participating. However, this article aims to share a perspective on what not to do and how to replace those faux pas.

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Setting Financial Boundaries

VIDEO | LIFESTYLE & TRAVEL

1 min | April 21, 2025

Boundaries are important in personal finances to allow you to best utilize your money. Watch now to learn about how to set your own personal boundaries in finance, things to consider, and how to approach boundaries with others.

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Why We Overspend on Vacation and How to Stop

BLOG | LIFESTYLE & TRAVEL

3 min read | April 17, 2025

Vacations don’t have to mean financial regret. By planning ahead, staying mindful of common money traps, and setting spending limits, you can fully enjoy your trip without returning home to unexpected expenses.

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Five Steps to Spring Clean Your Finances

BLOG | COLLEGE

4 min read | April 15, 2025

Spring cleaning isn’t just for opening windows and decluttering your spaces! Find ways to breathe new life into your finances by reviewing what works and developing simpler processes for what doesn’t work in our latest article.

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Always read the fine print.

Predatory lenders often prey on people who are desperate for quick cash, making it important for you to understand exactly what you’re signing up for when you hear that a lender approves everyone regardless of credit!

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