This episode of Growth and Grace discusses the importance of financial planning and managing credit, featuring guest Frank Ruvalcaba from Operation Hope. Frank emphasizes the need to plan for expenses throughout the year, especially during the holiday season, to avoid financial strain. He highlights Operation Hope's free financial literacy programs, which include credit management, debt reduction, and budgeting. Frank shares a success story of a client who reduced $15,000 in debt by managing expenses. He recommends having an emergency fund equivalent to six months of expenses. Contact information for Operation Hope: 404-994-9011 and [frank.ruvalcaba@operationhope.org].

The discussion on "Growth and Grace" focused on personal reflections and aspirations for the new year. Leaha Crawford and Julian Rosado shared their thoughts on the importance of planning for the year ahead, emphasizing the need to focus on what's important and enjoy small moments. They discussed the impact of a past guest, Marcus Allen, on their outlook and the significance of gratitude and grace. The conversation also touched on personal growth, mental health, and the benefits of physical activities like hot yoga and the Daniel fast. Leaha highlighted her work with a cohort helping older adults obtain their CPA licenses, and the importance of resilience and self-improvement.

The discussion on "Growth and Grace" covered various topics, including holiday greetings, Super Bowl predictions, and a business line of credit offered by Western Alliance Bank. The line of credit, up to $100,000, has a five-year term with an interest rate of Wall Street Journal prime plus 1.95%. Requirements include a two-year business operation history and a business deposit relationship with the bank. The panelists emphasized the importance of maintaining updated entity documents, having financials in order, and planning for 2026. They also highlighted the benefits of having a personal relationship with a banker for better business support.