Clay Finck chats with David Tuyo II about the real estate market, emerging trends within credit unions, the adoption of Bitcoin and cryptocurrencies within credit unions and local banks, and so much more!   Dr. David Tuyo serves as the President/CEO of University Credit Union. He is a veteran of the financial services industry where he has served financial institutions in a multitude of roles. Dr. Tuyo is extensively involved in industry initiatives, furthering credit union causes. He is a constant advocate for the credit union movement to ensure access to financial services for all, as well as financial education, that in tandem lead to members building financial mobility. IN THIS EPISODE, YOU’LL LEARN: 00:00:00 - Intro 00:00:13 - Trends David is seeing in the real estate market. 00:06:31 - Why today’s real estate market is much stronger than it was in 2008. 00:08:41 - How higher rates will affect the banking industry as a whole. 00:13:12 - The impact institutional investors are having on the real estate market. 00:18:30 - Best practices to ensure you have good credit. 00:24:38 - How credit scores can impact the terms on a loan. 00:39:06 - How you can live a life with manageable debt. 00:51:43 - What David is seeing for Bitcoin and crypto adoption in local banks. ☕ Get the freshest roasted and ethically sourced beans from America’s best local roasters with Trade Coffee. Plus, a total of $30 off your first order and free shipping — that’s more than 40 cups of coffee for free! To get started, take the quiz at https://drinktrade.com/TIP, and start the journey to your perfect cup. ✔️ Subscribe to Millennial Investing podcast show: https://open.spotify.com/show/7dnn22EWyo6MLsPaR492BM 🖊️ Access our free show notes and transcript here: https://www.theinvestorspodcast.com/millennial-investing/credit-unions-credit-scores ▶️ RELATED EPISODE: - (MI038) Credit Scores and Stock Investing w/ Joseph Hogue: https://www.theinvestorspodcast.com/millennial-investing/mi038-credit-scores-and-stock-investing-with-joseph-hogue/ - (MI104) Masterclass On Personal Finance & Credit Unions W/ Rachel Podnos O’Leary and Clay Stackhouse: https://www.theinvestorspodcast.com/millennial-investing/personal-finance-credit-unions/ 💡 OTHER RESOURCES - Check out University Credit Union: https://www.ucu.org/ - Robert and Clay’s tool for picking stock winners and managing our portfolios, TIP Finance: https://www.theinvestorspodcast.com/tip-finance/ - Check out our Investing Starter Packs about business and finance: https://www.theinvestorspodcast.com/mi-starter-packs/ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ LISTEN 🎧 TO OTHER SHOWS FROM OUR NETWORK: ₿ If you're interested in Bitcoin, checkout our Bitcoin Fundamentals podcast show: https://youtube.com/playlist?list=PL_xlkwLDH1F8wOLjjwNCM5B1qFdrtTdTZ 📚 Dive into value investing and learn more about billionaires with our We Study Billionaires podcast show: https://youtube.com/playlist?list=PL_xlkwLDH1F9dDPFYGAHRbrWoToCe2uoU 🏘 Learn the ins and outs of real estate investing with our Real Estate 101 podcast show: https://youtube.com/playlist?list=PL_xlkwLDH1F8Yw_8xO2nk-RD7fhb3yktn 💸 Get introduced to the world of investing with our Millennial Investing podcast show: https://youtube.com/playlist?list=PL_xlkwLDH1F_p00VYv3psJ8rhDAGOvR5W ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ FOLLOW US ON SOCIAL MEDIA📱: 💻 Facebook: https://www.facebook.com/groups/theinvestorspodcast/ 👔 Linkedin: https://www.linkedin.com/company/the-investor's-podcast/ 🐦 Twitter: https://twitter.com/TIP_Network ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ 📥 Download Stig & Preston's 1-page checklist for finding great stock picks: https://www.theinvestorspodcast.com/form-youtube-checklist/ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ⏤ ❗ DISCLAIMER: This show is for entertainment purposes only. Before making any decisions consult a professional. This show is copyrighted by The Investor’s Podcast Network. Written permission must be granted before syndication or rebroadcasting.