Nancy Sasaki, President and CEO of United Way of San Diego County, shares how their Earned Income Tax Credit Coalition provides free tax preparation for those making under $67,000 annually. She explains the importance of financial literacy and how their programs help community members build economic mobility.
• Free tax preparation services available by calling 211 in San Diego County
• Trained volunteers often understand the specific needs of lower-income individuals better than paid preparers
• The SparkPoint program offers financial literacy coaching to increase income, savings, credit scores, and reduce debt
• Bank On program helps people learn to trust financial institutions and manage their money effectively
• United Way partners with 45 organizations throughout San Diego County to provide comprehensive services
• Individual Taxpayer Identification Numbers (ITINs) allow those without Social Security numbers to file taxes legally
• Financial literacy education extends to both young people and their families
Call 211 to find free tax preparation services near you, or visit uwsd.org to learn more about United Way's programs.
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Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
It's because you made earned income.
You did make money this year,so is there any part of that
that's due in a refund to you?
And that's what the EarnedIncome Tax Credit is all about.
Speaker 2 (00:13):
Hola mi gente, welcome to the Money Chisme
Podcast, where we spill the realchisme on building wealth
without the bullshit.
Whether you're trying to invest, grow that side, hustle finally
get your money right or, myfavorite, buy rental properties,
you're in the right place.
I'm your host, violeta, afirst-gen Mexican immigrant real
(00:37):
estate investor, entrepreneurand your financial hype woman.
Get ready for tips, tricks andexpert advice straight from
nuestra comunidad, porque eldinero es power and we're here
to claim it.
Don't forget you can alwaysfind helpful resources down in
the show notes and indescriptions, so make sure you
(00:57):
check that out.
You know tax season is justending right around the corner.
April 15th is the deadline, andApril also so happens to be
Financial Literacy Month, andyou know financial literacy is
very important in the Latinocommunity, and so is taxes.
(01:19):
It's a big topic and a lot oftimes we don't really know what
to do.
I know I struggled to figure itout.
You know, growing up, no onewas there to teach me, so I am
excited to have Nancy Sasakifrom United Way, from San Diego
County, to share the servicesand talk a little bit about you
(01:43):
know, taxes and also a littlebit of financial empowerment.
Hi, nancy, thank you so muchfor being here with me hi,
violeta, I'm very glad to joinyou.
Speaker 1 (01:52):
Thank you for the invitation to join you.
I tell you, in tax season it'swhen everybody's stress level
goes way high.
Right, it's like you know youhave to get it done and like so
many people delay and wait, andyou know just like, please don't
make me have to do it.
But you know, this year it isApril 15th is the deadline.
In the past couple of yearswe've actually had some
(02:15):
extensions here in San DiegoCounty so people had a little
bit longer to do their taxes,but now this year it's the real
April 15th deadline.
Yeah, so Nancy Sasaki, presidentand CEO of United Way of San
Diego County, I've been the CEOfor the past six and a half
years.
Seven years will be inSeptember, so it's been a while.
(02:37):
But all of my professionalcareer has been in the nonprofit
world, with Planned Parenthood,with an organization here in
San Diego County called AllianceHealthcare Foundation where we
were giving money out tononprofits in San Diego and
Imperial counties right nextdoor to us, and then the last,
as I said, six and a half yearshere at United Way, and I love
(03:00):
it.
It's really a great position, agreat organization.
We've been here in San Diegofor over a hundred years, so 105
.
And I think the thing thatreally allows for that kind of
longevity is being able to beadaptive and flexible,
addressing the needs of thecommunity.
So as we hear about those kindsof things, we're going to be
(03:22):
doing this and then maybe we'llswitch over here and do that
because we see that that's wherethe need is and so that's how
we have come to be where we aretoday and to be continuing, and
I hope, for another hundredyears.
I probably won't be the CEO,but you know I'm hoping that I'm
setting the foundation now forthat kind of longevity.
(03:44):
You know I'm hoping that I'msetting the foundation now for
that kind of longevity.
But we're really excited becauseduring the pandemic we were
able to focus on our strategicplan and really get that in
order and get really focused onwhat it was that we're doing and
we work in education andeconomic mobility, and we'll
talk a lot more about economicmobility.
So I'll just touch real quicklyon the education side and that
(04:06):
is we're doing work with thelittle ones and trying to make
sure that they reach third gradereading proficiency by the end
of third grade and so we want toget books in their hands.
Books at the home, you know,encourage people to read, but
that's a really importantmilestone because if you don't
reach that, you don't have thetools with which to learn,
(04:28):
because after that you learn toread up until then and then you
read to learn after that.
So if you don't reach thatmilestone, a lot of these kids
don't graduate high school andsome of them end up in the
juvenile justice system.
So it's a really criticalmilestone.
We focus on that justice system.
So it's a really criticalmilestone.
We focus on that.
And then at the other end, withjuniors and seniors in high
school, we're doing a STEAM tocareers program, getting them
(04:50):
career ready and getting themaware of what other kinds of
careers might be available tothem and expose them to hands-on
workshops as well as toursaround the county to visit
businesses and see what thosejobs look like, meet the people
in those jobs and hear about thepathway that they're taking or
that they took to get to thosejobs, because it's not always a
(05:11):
four-year degree that makes itpossible to get into a STEAM
career in your future.
So those are our educationpieces and, you know, just
really excited to be able toprovide those.
Speaker 2 (05:23):
I remember.
You know, I'm first generation,so I had to figure out
everything.
And high school was when I, Iguess, became aware of how you
know little I knew.
And then it wasn't until alittle bit much older, when I
actually got into the job forceand all that that I was like, oh
actually I'm really behind.
(05:46):
You know, financial literacy,and it was such a struggle so
I'm I'm glad that you knowUnited Way is there to, you know
, provide those resources andeducation, I guess, since we're,
you know April 15 is the onethat's right here Financial
literacy month is just starting.
Speaker 1 (06:06):
So no, that's something that's really
important in that, you know,people usually don't know that
there are free tax preparationopportunities.
Here in San Diego County we runthe Earned Income Tax Credit
Coalition and we've been doingthat since 03, 2003.
And this is a group of now 45organizations, some doing the
(06:27):
outreach and education, helpingyou to let people know that you
need to get your taxes done andthere is an opportunity to get
your taxes done for free.
Access these services bycalling 211, but then also
(06:48):
educating them about the factthat they're even eligible.
A lot of times when people aremaking $67,000 or less, which is
the eligibility criteria, whenthey're making less than that,
they're like I'm not going toget anything back, I don't need
to file any taxes.
This is you know but they'reactually could be leaving money
on the table.
So by calling 211 here they canfind an appointment that's
close to where you work or closeto where you live or something
(07:10):
that's really convenient withregard to time and you can go
and have your taxes done forfree.
And many times what we hear isthat some of the people they
might get enough back to reallyhelp them, like make ends meet
for that month or they may getmore than that back.
That really helps them get outof debt in some ways.
That really helps them besurviving throughout the year.
(07:33):
So you never know how muchyou're going to get back or if
you're going to get anythingback, but it's still take the
opportunity.
And the other part of ourorganizations that are working
in partnership with us they'rethe ones actually doing the free
tax prep, and so there aresites that are fixed like
they're set in stone.
They're going to be there, come, show up, you know, make an
(07:55):
appointment.
And there's other times thatwe'll might do something that we
call mobile pop-ups and that islike oh, we see this area
that's kind of down, let's goput a place, something in place
there for maybe a couple of days, but invariably those all fill
up, like all the appointmentsare taken.
So it's you know, once peopleknow that they could possibly be
(08:16):
eligible, they're takingadvantage of that opportunity.
Speaker 2 (08:19):
So what would you say for those that are like you
know I'll do it myself, becauseyou know, when I was younger I
used to do them myself and Ilearned the hard way that you
mentioned earlier leaving moneyon the table because I didn't
know about.
You know, depreciation and allthat, all that stuff.
(08:39):
So what would you say for thosethat you know our community
does it a lot.
They want to do everything youknow by themselves.
Speaker 1 (08:48):
Well, you know, you want that strength of
independence, right?
You want to have the confidencethat you know what to do.
They say that it's so simpleand you just walk through it.
But what we found with some ofthe people that are trained to
do these free tax preparationsthey're especially trained for
people in this situation thatare making less than $67,000
(09:09):
annually and they know thequestions to ask.
They know that when you come inand you say like this is what I
did last year and I don't knowif it's accurate, they can go
back and look and they canimpact this year's filing.
So they know all of that.
They have the expertise, it'sfree, so why?
Speaker 2 (09:26):
not utilize it.
Speaker 1 (09:27):
You know, it's like it's just people who are
volunteering to do this, butthey go through an extensive
training to be able to beprepared and and in some ways,
sometimes they're better able toserve the needs of the people
that are in this category thanare the paid preparers, the
people that are in this categorythan are the paid preparers.
(09:47):
So, you know, it's really greatto like reach out and find
those that are doing thevolunteer tax preparations that
are free, yeah.
Speaker 2 (09:53):
Yeah, and going back a little bit, you talked about
the earned income tax credit.
For those that don't know whatthat is Like, what is what is
that?
What does that mean?
Why should I worry about it?
Speaker 1 (10:08):
Well, that's exactly what this whole program is.
It's for people who are makingless than 67,000.
They can come to United Way orto one of our partner
organizations and find outwhether they are eligible for
that earned income tax credit.
It's because you made earnedincome, you did make money this
year, so is there any part ofthat that's due in a refund to
(10:30):
you?
And that's what the earnedincome tax credit is all about.
And just to find out whether ornot you're eligible.
Speaker 2 (10:36):
Once I finally figured out to actually get
somebody, it made life so mucheasier.
Speaker 1 (10:41):
So I'm definitely going to make sure you know you
can definitely probably you knowwalk through and do your taxes.
You know on the surface, likejust answering the questions,
you can get it done.
But exactly what you're sayingis that you don't know what you
don't know, so you don't knowwhat to, like, dig a little bit
deeper into to see if there's anopportunity you don't know,
(11:03):
like should I follow thisquestion over here to you know
to find out what the nextquestion is?
You, just if you just gothrough it on the surface level,
you can complete your taxes.
You know.
But if you really want to makesure you're doing it accurately,
if you really want to make sure, especially that you're asking
all the right questions to getmore credit back, you know why
(11:24):
not do it.
And you know sometimes ifyou're doing it for pay, with a
paid one person that's helpingyou through it, sometimes, just
knowing it the first time whatthe questions are, you could
probably do it yourself the nextyear, but of course they
changed all the rules and theregulations just a little bit
each year.
Speaker 2 (11:42):
So you know it's always best to get somebody
that's really trained and knowswhat they're doing that, oh,
that is true, like the, the taxstuff is always changing and you
know we're busy, you knowworking and trying to, you know
make ends meet, or or just likeyou know progress in our career,
and to, on top of that, trackall the changes of taxes.
(12:06):
Like, yeah, that, like I havelearned that I'm just going to
always find someone that isknowledgeable or professional,
so that way I don't have toworry about it.
And you know, that's one of thethings that, not just with taxes
, and if we may just go into alittle bit of you know financial
(12:28):
literacy for for this monththis episode will be out.
You know April.
And that's the other thing aswell.
With financial literacy, we tryto do all these things on our
own.
But Growing up myself, itwasn't until I actually sought
(12:49):
out help, that a lot of theseterms, a lot about finances,
credit, all that stuff finallystarted to make sense, because I
try to do it myself and I amsmart, but it can get a little
bit tricky.
Speaker 1 (13:04):
Absolutely, and that's why we have a program
that we call SparkPoint littlebit tricky.
Absolutely, and that's why wehave a program that we call
SparkPoint and this is afinancial literacy and coaching
program that we just started.
I think we're in our secondyear now with SparkPoint and
SparkPoint is where we might beworking with some partner
organizations to actually helpcoach people, whether it's
individuals or families, throughtheir financial concerns and
(13:28):
issues that they want to address.
In this program we want to tryto help them maybe increase
their income, potentiallyincrease their savings, increase
their credit score and decreasetheir debt.
And they come in and work withour counselors and they pick
which one do they want to workwith first right and like no,
try to tackle off four of themat one time, but try to tackle
(13:49):
one thing first and let's talkabout that and let's coach you
through that.
Let's see what you need to do,what the opportunities are.
You know where to go, what yourresources are, so that we can
help them do that.
And we just started that twoyears ago.
We're starting to see theimpact.
But we did model it after aprogram that some other United
(14:10):
Ways in the state of Californiaare offering and they've seen
they've been doing it for longerand they see really much longer
term success.
People work with us anywherefrom six to 12 months and we
will just coach them through it.
We also have some opportunitiesthat are more open to the
public than just the caseloadthat we're working with.
So they're more open to thepublic and people can come in
and bankers and some of thetrained tax people and other
(14:34):
people will come in and do someof that kind of walk them
through.
Some of the financial literacytypes of things that you need to
know, and I mean some peopleare probably even thinking like
what is financial literacy?
And that's really to begin tounderstand when money comes in
to your bank account or to you,what do you do with it and how
(14:56):
is it best to use that.
You know, like my beginnings offinancial literacy was my daddy
telling me nancy, your firstpaycheck, I'm 16 years old, your
first paycheck, half of it hasto go to savings.
You know I'm 16.
So I don't have all of theworldly, you know expenses.
So he felt like 50% should goto savings.
(15:16):
And so you know, you begin tolearn that way and then you're
starting to think about frommaybe like long time ago in my
generation we got allowances.
So how do you keep that moneyand decide like, okay, I'm going
to try to buy this, like minewas a stereo.
I first big purchase I wantedwas a stereo and so I refused to
(15:36):
save half of my paycheck.
I said I'll start with thesecond paycheck, but this first
one I'm buying that daggumstereo.
So I got my stereo and but youknow it's.
It's that kind of thing, justlearning, like what are the
smart things to do with thatpaycheck when it comes in the
door?
How much is realistic to putinto savings when it feels like
you don't have any money tospend yourself, right?
(15:57):
So just being gay and beginningto learn what that is and
understanding like another oneis just understanding credit,
like you mentioned.
You know like should.
I get a credit card.
How do I manage the credit card?
Some people thinking that debitcards, it means your bank
account is endless, which it'snot, you know.
So all of that has to do withyour financial literacy and
(16:18):
understanding and learning abouthow to manage your finances in
a way that really serves youwell and sets you up for the
future.
So our SparkPoint program doesa lot of that work and hopefully
, like I said, it's brand new.
So we're looking at how we'redoing that.
But we're also tying togethersome of the families, the
(16:38):
juniors and seniors that we'reworking with in high school.
They're probably have theirfamilies probably could really
benefit from this financialliteracy and coaching program.
And then we also, within that,have a program called Bank On,
and Bank On is where we'rehelping people like, say, they
do start getting an income andthey don't know what to do.
(16:59):
Like, how do you trust banksand other financial institutions
to take your money right andwhat are they going to do with
it?
Where should you place itwithin the bank?
So, learning how to trust banks.
But also, if you're already ina bank, like maybe you just have
your money sitting there andyou just withdraw it when you
need to pay your bills.
What else could you be doingwith your money that might make
(17:21):
more sense or might help youbuild more savings, if you, you
know, just look at itdifferently, manage your budget
differently, that you might beable to really set yourself up
well for the future.
Speaker 2 (17:32):
Yeah, I'm glad that you're putting that opportunity
to for the parents.
Yeah because that is again Imentioned.
Like you know, I had to figureit out but also, you know, do it
for my parents and even to thisday it's always like you
(17:54):
mentioned earlier with the bankshaving to have those
conversations with my mom andand my dad and figure out.
You know things, simple thingslike credit and like they had
they were very hesitant withdoing like credit cards or
anything like that.
And so as someone that's tryingto figure it out and then also
(18:15):
teach it to my parents, I'm gladthat you're having those
opportunities to also bring theminto building that financial
literacy, because sometimes itcan be difficult, as someone
that was still learning it, totry to figure out like how do I
teach this or convince my mom ormy parents or my family to take
(18:35):
action, because there's a lotof fear and anxiety that goes on
there and you know they don'tknow.
So anything that they don'tknow is kind of like hesitation.
So of course glad that that'sbeing recognized and being
brought into you know, unitedway and having those types of
programs.
Speaker 1 (18:54):
Well you know the other thing is is that it's
trying to get younger peopleespecially to think it's
important.
You know, it's kind of like mewhen I was 16 and didn't I
wanted to spend my firstpaycheck on a stereo versus
saving it.
You know, like I didn'tunderstand the value of saving
at that point in time.
You know, I just knew what Iwanted and so you know, getting
(19:21):
younger people to even realizethat it's something important
for them to learn is one of thefirst hurdles, right, and then
the second is actually gettingthem to see how to manage that,
even with their financialliteracy.
So I know now you think that ifyou were new it back then you
would have really appreciated it, but maybe not you know,
because it might be telling youstuff that you don't really want
to hear.
(19:41):
That's probably how I would havebeen, how I was with my daddy
Nope not going to do that.
Speaker 2 (19:47):
I'm not going to do that how I was with my daddy.
Nope, not gonna do that.
I'm not gonna do that.
That is so true, because my Ihave a stepson.
He is 15 and he's looking toget his first job, probably this
summer.
Speaker 1 (19:56):
So I'm already trying like okay, well, this is the
plan and we'll see.
We'll see how that goes, goodluck.
Speaker 2 (20:03):
Good luck with that yeah, yeah, and so, um, you were
mentioning earlier about likefinancial, uh, what was it that
you called it?
Like mobility?
Uh, what does that mean and how, um, do you help, you know,
encourage that?
Speaker 1 (20:22):
yeah, well, all of these programs that I've talked
about, we hope really impactpeople's economic mobility or
their financial mobility whenthey learn more, you know, when
they learn more about how tomanage their money, when they
learn more about credit, whenthey learn more about all of
that.
If we're helping them toincrease their income, you know,
that's where you start gettingsome mobility in your ability to
(20:44):
, you know, reach new goals orto provide more for your family
or, to, you know, do more thingsthat you wanted to do.
That's where you start gettingsome financial mobility.
Instead of, this is the onlypot of money that I get coming
in.
There's never going to be more.
That's all I'm just like.
This is all I have to manage.
Like, what can we do to helpyou?
(21:05):
Look at things that mightincrease your credit, increase
your savings, increase yourincome, or decrease your debt.
What are those kinds of thingsthat might be possible or
accessible for you to do?
So that's where we talk aboutthe financial mobility.
Speaker 2 (21:20):
Yeah, yeah, that's awesome.
It's, it's, you know, growingand hope, hoping for the best
for the next generation andincreasing um as well, because
that's definitely uh importantin my community and, uh, of
course, you know, one of mypassions is making sure we, we
uh encourage that and learn andteach and and all that.
(21:43):
So, um, I was reading that youalso work, uh and well, you
partner with not just you knowyou it says on here schools, but
also with other you know um,basically around the county.
So I'm curious, like you knowwho you work with and stuff.
Speaker 1 (22:05):
You know, really our partners are awesome.
Like I said, in our EarnedIncome Tax Credit Coalition we
have 45 different organizations,so there's no way I can name
them all.
Yeah, the ones that really do alot of the on the ground tax
preparation are organizationslike Dreams for Change and
Interfaith Community Services.
(22:26):
There are others that are doingthe on the ground home start.
There's just plenty that aredoing the actual tax preparation
services and then others thatare doing the outreach and
education.
But you know, like for ourSparkPoint in Escondido that
area we're working withInterfaith Community Services.
We're working with interfaithcommunity services.
We're working with LifelineCommunity Services to do some of
(22:48):
this work with some of theirclients that they're already
working with because maybethey're getting surplus food
provided to them or things likethat, so they're already clients
within the organization andgiving them just an additional
boost of information.
We also work with 2-1-1.
I've mentioned them.
They are the place to call ifyou need resources or have a
(23:10):
question and they can helpanswer it for you, get you onto
the right path.
We work with the IRS in theEarned Income Tax Credit
Coalition, as well as the Countyof San Diego.
So you've got the county, you'vegot federal government.
You've got you know, a lot ofsome of our programs, like our
steam to careers, are atEscondido high school and
Lincoln high school, um, sowe're working with the schools
(23:33):
in that way.
So it's a real, realwell-rounded group of partners
that we work with in the County,within the County.
Um, the school districts arepart of the work that we're
doing here in San Diego County.
We have 43 different schooldistricts, so we're only working
with about two or three of themright now.
As we get more of the growth inour programs, we hope to expand
(23:56):
into other areas as well.
But right now, escondido HighSchool, lincoln High School,
surrounding areas with a lot ofour work Earned income tax
credit is all around the county.
No matter where you live, weprobably have a site that you
can go to to get your taxes done.
So you know we're all over theplace and working with as many
(24:16):
partners as we can.
Speaker 2 (24:19):
Yeah, that's awesome because it does take a whole I
guess, village, you would saypeople to come together and help
bring these communities up andteach financial literacy and all
that.
Speaker 1 (24:37):
Yeah, I mean we learned that during the pandemic
there was no one organizationthat could do it all.
We all had to work together.
We all had to find out, like,where are you providing food so
I can provide food over here,where are you doing this so I
can be over here?
Like we needed to cover theentire county.
And so we all learned that youhave to work in partnership with
(24:59):
others, you have to workcollaboratively, you have to
have good communication betweenthe organizations in order to
provide care and services andthe needs that people have in
our community.
Speaker 2 (25:10):
I guess it's a little bit on the news.
I kind of going a little bitbackwards, back to kind of like
the taxes, because it popped inmy head with the news of itin.
Um, because of everythingthat's going on now, it's like
confusion on like whether to doit or what is it.
(25:30):
For those that may not be aware, I I, you know didn't have to
use it because I wasundocumented when I was younger,
but I know my dad did it at thebeginning, before he got his
citizenship as well, and so Ididn't know what an ITIN was.
And do y'all work with ITIN?
Speaker 1 (25:49):
Yes, of course we do.
Yeah, this is a temporary taxidentification number that you
can obtain if you don't have asocial security number in order
to file your taxes, and this iscertainly in this time, with the
administration and the changesthat we're seeing happen.
All along we've been able totell people that if you get an
(26:11):
I-10 number and we'll help youget that number but if you get
that I-10 number, we canactually do all your taxes and
everything, and right now thelaw protects you.
Your I-10 documentation willnot go anywhere beyond the IRS.
We are not as certain aboutthat now.
We do still encourage peoplebecause if you are here and
you're working and you'regetting a paycheck, you must
(26:34):
file taxes.
But it is a little bit more iffyright now about whether or not
it will continue to be protectedwith the IRS and above.
So you know, all we can do istell people it is the law to
file your taxes and, you know,talk with them about why it's
important to get that I-10number.
(26:54):
And I-10 is I-T-I-N because itsounds like you're saying you
know, like, you know, likewhatever.
Um, but it is an i-10 numberand it is through the irs and
you know, we still encouragepeople to file your taxes to get
that number, and I understandthat people do take a risk right
(27:15):
now because there's no lawchange.
The law is still the law, but,um, you know, as we're seeing,
sometimes that law is beingoverlooked or, um, ignored, and
we just don't know with the samecertainty that that's going to
be a difficult, um I guess, uhhurdle to help uh them overcome
(27:37):
because of the fear right now.
Speaker 2 (27:39):
But, like you, said it's like it's something that
you have to do anyways and thenif you want to, you know, later
on down the road, um, you know,adjust your status.
It's a, you know, one of therequirements sometimes of like
to make sure that you have beenpaying your taxes and all that
and so yeah, it's kind of likeyeah, it's a convoluted circle,
(28:02):
isn't it?
Speaker 1 (28:02):
You have to, but you have this risk.
But if you end up getting youknow some sort of you know
question about it, then you haveto have filed your tax.
It's very convoluted and Iunderstand people need to
evaluate that risk forthemselves.
All we can do is tell them thatthe law says you, should you
have to file your taxes.
Speaker 2 (28:25):
Yeah well, thank you so much for you know coming on
here and sharing this resource.
Where can they, uh, find unitedway and you know, and what kind
of?
I guess I know you mentionedtax services is one of them
right, but for those who areinterested?
Where can they find?
Speaker 1 (28:41):
uh, you know so you can kind of get the broad
overview of everything if you goto our website and that's
uwsdorg, just the first lettersof United Way San Diego.
So, uwsdorg, if you're reallyinterested in moving forward
with the tax preparation, youcan call 211 here in San Diego.
They'll they'll talk youthrough everything you need to
(29:03):
know, all the documents that youneed.
They'll talk you through all ofthat and set up an appointment
for you that you can go and getyour taxes done.
Speaker 2 (29:11):
Yeah, yeah, also, and I will have all that
information in the show notes orthe description depending where
you're listening to on thepodcast and, yeah, any other
last tips or things that youwanted to mention before we
close the episode.
Speaker 1 (29:30):
You know, not a whole lot, but I would just really
encourage people to reach outand find out what resources are
available to you and utilizethem.
These are the kinds of thingsthat will help you get your feet
on the ground If you need that.
These are the things that willhelp you get full move forward
in your life and providing foryour family If you need that or
want that.
You know, it's like I justthere's so much out there.
(29:52):
Take advantage of what's outthere for you to access and
really encourage people to dothat.
But thank you so much forinviting me to be on as a guest.
I've really enjoyed ourconversation.
Speaker 2 (30:04):
Thank you.
Thank you so much.
Yeah, it's.
It's definitely a lot ofresources out there, um easier
now than ever to just like findthem online and everything.
So definitely make sure youknow, uh wherever you're at,
even if it's not San Diego, umto go out there and see what's
available near you.
Speaker 1 (30:25):
Yeah, and the 211 is actually everywhere, so there's
a possibility that there's a 211near you.
If you're not in San DiegoCounty, you know, I know this
one really well.
But you know, try and find outif there's a 211 and they can
give you a lot of the resourcesthat are available in your
community.
Speaker 2 (30:41):
Awesome.
So yeah, yeah, definitely checkthat out, see if it's available
.
So, yeah, yeah, definitelycheck that out, see if it's
available.
Speaker 1 (30:46):
But, again.
Speaker 2 (30:46):
thank you so much, Nancy.
That's it for this episode.
I will see everyone in the nextone.
Bye, Bye.
It's because you made earned income.
You did make money this year,so is there any part of that
that's due in a refund to you?
And that's what the EarnedIncome Tax Credit is all about.
Speaker 2 (00:13):
Hola mi gente, welcome to the Money Chisme
Podcast, where we spill the realchisme on building wealth
without the bullshit.
Whether you're trying to invest, grow that side, hustle finally
get your money right or, myfavorite, buy rental properties,
you're in the right place.
I'm your host, violeta, afirst-gen Mexican immigrant real
(00:37):
estate investor, entrepreneurand your financial hype woman.
Get ready for tips, tricks andexpert advice straight from
nuestra comunidad, porque eldinero es power and we're here
to claim it.
Don't forget you can alwaysfind helpful resources down in
the show notes and indescriptions, so make sure you
(00:57):
check that out.
You know tax season is justending right around the corner.
April 15th is the deadline, andApril also so happens to be
Financial Literacy Month, andyou know financial literacy is
very important in the Latinocommunity, and so is taxes.
(01:19):
It's a big topic and a lot oftimes we don't really know what
to do.
I know I struggled to figure itout.
You know, growing up, no onewas there to teach me, so I am
excited to have Nancy Sasakifrom United Way, from San Diego
County, to share the servicesand talk a little bit about you
(01:43):
know, taxes and also a littlebit of financial empowerment.
Hi, nancy, thank you so muchfor being here with me hi,
violeta, I'm very glad to joinyou.
Speaker 1 (01:52):
Thank you for the invitation to join you.
I tell you, in tax season it'swhen everybody's stress level
goes way high.
Right, it's like you know youhave to get it done and like so
many people delay and wait, andyou know just like, please don't
make me have to do it.
But you know, this year it isApril 15th is the deadline.
In the past couple of yearswe've actually had some
(02:15):
extensions here in San DiegoCounty so people had a little
bit longer to do their taxes,but now this year it's the real
April 15th deadline.
Yeah, so Nancy Sasaki, presidentand CEO of United Way of San
Diego County, I've been the CEOfor the past six and a half
years.
Seven years will be inSeptember, so it's been a while.
(02:37):
But all of my professionalcareer has been in the nonprofit
world, with Planned Parenthood,with an organization here in
San Diego County called AllianceHealthcare Foundation where we
were giving money out tononprofits in San Diego and
Imperial counties right nextdoor to us, and then the last,
as I said, six and a half yearshere at United Way, and I love
(03:00):
it.
It's really a great position, agreat organization.
We've been here in San Diegofor over a hundred years, so 105
.
And I think the thing thatreally allows for that kind of
longevity is being able to beadaptive and flexible,
addressing the needs of thecommunity.
So as we hear about those kindsof things, we're going to be
(03:22):
doing this and then maybe we'llswitch over here and do that
because we see that that's wherethe need is and so that's how
we have come to be where we aretoday and to be continuing, and
I hope, for another hundredyears.
I probably won't be the CEO,but you know I'm hoping that I'm
setting the foundation now forthat kind of longevity.
(03:44):
You know I'm hoping that I'msetting the foundation now for
that kind of longevity.
But we're really excited becauseduring the pandemic we were
able to focus on our strategicplan and really get that in
order and get really focused onwhat it was that we're doing and
we work in education andeconomic mobility, and we'll
talk a lot more about economicmobility.
So I'll just touch real quicklyon the education side and that
(04:06):
is we're doing work with thelittle ones and trying to make
sure that they reach third gradereading proficiency by the end
of third grade and so we want toget books in their hands.
Books at the home, you know,encourage people to read, but
that's a really importantmilestone because if you don't
reach that, you don't have thetools with which to learn,
(04:28):
because after that you learn toread up until then and then you
read to learn after that.
So if you don't reach thatmilestone, a lot of these kids
don't graduate high school andsome of them end up in the
juvenile justice system.
So it's a really criticalmilestone.
We focus on that justice system.
So it's a really criticalmilestone.
We focus on that.
And then at the other end, withjuniors and seniors in high
school, we're doing a STEAM tocareers program, getting them
(04:50):
career ready and getting themaware of what other kinds of
careers might be available tothem and expose them to hands-on
workshops as well as toursaround the county to visit
businesses and see what thosejobs look like, meet the people
in those jobs and hear about thepathway that they're taking or
that they took to get to thosejobs, because it's not always a
(05:11):
four-year degree that makes itpossible to get into a STEAM
career in your future.
So those are our educationpieces and, you know, just
really excited to be able toprovide those.
Speaker 2 (05:23):
I remember.
You know, I'm first generation,so I had to figure out
everything.
And high school was when I, Iguess, became aware of how you
know little I knew.
And then it wasn't until alittle bit much older, when I
actually got into the job forceand all that that I was like, oh
actually I'm really behind.
(05:46):
You know, financial literacy,and it was such a struggle so
I'm I'm glad that you knowUnited Way is there to, you know
, provide those resources andeducation, I guess, since we're,
you know April 15 is the onethat's right here Financial
literacy month is just starting.
Speaker 1 (06:06):
So no, that's something that's really
important in that, you know,people usually don't know that
there are free tax preparationopportunities.
Here in San Diego County we runthe Earned Income Tax Credit
Coalition and we've been doingthat since 03, 2003.
And this is a group of now 45organizations, some doing the
(06:27):
outreach and education, helpingyou to let people know that you
need to get your taxes done andthere is an opportunity to get
your taxes done for free.
Access these services bycalling 211, but then also
(06:48):
educating them about the factthat they're even eligible.
A lot of times when people aremaking $67,000 or less, which is
the eligibility criteria, whenthey're making less than that,
they're like I'm not going toget anything back, I don't need
to file any taxes.
This is you know but they'reactually could be leaving money
on the table.
So by calling 211 here they canfind an appointment that's
close to where you work or closeto where you live or something
(07:10):
that's really convenient withregard to time and you can go
and have your taxes done forfree.
And many times what we hear isthat some of the people they
might get enough back to reallyhelp them, like make ends meet
for that month or they may getmore than that back.
That really helps them get outof debt in some ways.
That really helps them besurviving throughout the year.
(07:33):
So you never know how muchyou're going to get back or if
you're going to get anythingback, but it's still take the
opportunity.
And the other part of ourorganizations that are working
in partnership with us they'rethe ones actually doing the free
tax prep, and so there aresites that are fixed like
they're set in stone.
They're going to be there, come, show up, you know, make an
(07:55):
appointment.
And there's other times thatwe'll might do something that we
call mobile pop-ups and that islike oh, we see this area
that's kind of down, let's goput a place, something in place
there for maybe a couple of days, but invariably those all fill
up, like all the appointmentsare taken.
So it's you know, once peopleknow that they could possibly be
(08:16):
eligible, they're takingadvantage of that opportunity.
Speaker 2 (08:19):
So what would you say for those that are like you
know I'll do it myself, becauseyou know, when I was younger I
used to do them myself and Ilearned the hard way that you
mentioned earlier leaving moneyon the table because I didn't
know about.
You know, depreciation and allthat, all that stuff.
(08:39):
So what would you say for thosethat you know our community
does it a lot.
They want to do everything youknow by themselves.
Speaker 1 (08:48):
Well, you know, you want that strength of
independence, right?
You want to have the confidencethat you know what to do.
They say that it's so simpleand you just walk through it.
But what we found with some ofthe people that are trained to
do these free tax preparationsthey're especially trained for
people in this situation thatare making less than $67,000
(09:09):
annually and they know thequestions to ask.
They know that when you come inand you say like this is what I
did last year and I don't knowif it's accurate, they can go
back and look and they canimpact this year's filing.
So they know all of that.
They have the expertise, it'sfree, so why?
Speaker 2 (09:26):
not utilize it.
Speaker 1 (09:27):
You know, it's like it's just people who are
volunteering to do this, butthey go through an extensive
training to be able to beprepared and and in some ways,
sometimes they're better able toserve the needs of the people
that are in this category thanare the paid preparers, the
people that are in this categorythan are the paid preparers.
(09:47):
So, you know, it's really greatto like reach out and find
those that are doing thevolunteer tax preparations that
are free, yeah.
Speaker 2 (09:53):
Yeah, and going back a little bit, you talked about
the earned income tax credit.
For those that don't know whatthat is Like, what is what is
that?
What does that mean?
Why should I worry about it?
Speaker 1 (10:08):
Well, that's exactly what this whole program is.
It's for people who are makingless than 67,000.
They can come to United Way orto one of our partner
organizations and find outwhether they are eligible for
that earned income tax credit.
It's because you made earnedincome, you did make money this
year, so is there any part ofthat that's due in a refund to
(10:30):
you?
And that's what the earnedincome tax credit is all about.
And just to find out whether ornot you're eligible.
Speaker 2 (10:36):
Once I finally figured out to actually get
somebody, it made life so mucheasier.
Speaker 1 (10:41):
So I'm definitely going to make sure you know you
can definitely probably you knowwalk through and do your taxes.
You know on the surface, likejust answering the questions,
you can get it done.
But exactly what you're sayingis that you don't know what you
don't know, so you don't knowwhat to, like, dig a little bit
deeper into to see if there's anopportunity you don't know,
(11:03):
like should I follow thisquestion over here to you know
to find out what the nextquestion is?
You, just if you just gothrough it on the surface level,
you can complete your taxes.
You know.
But if you really want to makesure you're doing it accurately,
if you really want to make sure, especially that you're asking
all the right questions to getmore credit back, you know why
(11:24):
not do it.
And you know sometimes ifyou're doing it for pay, with a
paid one person that's helpingyou through it, sometimes, just
knowing it the first time whatthe questions are, you could
probably do it yourself the nextyear, but of course they
changed all the rules and theregulations just a little bit
each year.
Speaker 2 (11:42):
So you know it's always best to get somebody
that's really trained and knowswhat they're doing that, oh,
that is true, like the, the taxstuff is always changing and you
know we're busy, you knowworking and trying to, you know
make ends meet, or or just likeyou know progress in our career,
and to, on top of that, trackall the changes of taxes.
(12:06):
Like, yeah, that, like I havelearned that I'm just going to
always find someone that isknowledgeable or professional,
so that way I don't have toworry about it.
And you know, that's one of thethings that, not just with taxes
, and if we may just go into alittle bit of you know financial
(12:28):
literacy for for this monththis episode will be out.
You know April.
And that's the other thing aswell.
With financial literacy, we tryto do all these things on our
own.
But Growing up myself, itwasn't until I actually sought
(12:49):
out help, that a lot of theseterms, a lot about finances,
credit, all that stuff finallystarted to make sense, because I
try to do it myself and I amsmart, but it can get a little
bit tricky.
Speaker 1 (13:04):
Absolutely, and that's why we have a program
that we call SparkPoint littlebit tricky.
Absolutely, and that's why wehave a program that we call
SparkPoint and this is afinancial literacy and coaching
program that we just started.
I think we're in our secondyear now with SparkPoint and
SparkPoint is where we might beworking with some partner
organizations to actually helpcoach people, whether it's
individuals or families, throughtheir financial concerns and
(13:28):
issues that they want to address.
In this program we want to tryto help them maybe increase
their income, potentiallyincrease their savings, increase
their credit score and decreasetheir debt.
And they come in and work withour counselors and they pick
which one do they want to workwith first right and like no,
try to tackle off four of themat one time, but try to tackle
(13:49):
one thing first and let's talkabout that and let's coach you
through that.
Let's see what you need to do,what the opportunities are.
You know where to go, what yourresources are, so that we can
help them do that.
And we just started that twoyears ago.
We're starting to see theimpact.
But we did model it after aprogram that some other United
(14:10):
Ways in the state of Californiaare offering and they've seen
they've been doing it for longerand they see really much longer
term success.
People work with us anywherefrom six to 12 months and we
will just coach them through it.
We also have some opportunitiesthat are more open to the
public than just the caseloadthat we're working with.
So they're more open to thepublic and people can come in
and bankers and some of thetrained tax people and other
(14:34):
people will come in and do someof that kind of walk them
through.
Some of the financial literacytypes of things that you need to
know, and I mean some peopleare probably even thinking like
what is financial literacy?
And that's really to begin tounderstand when money comes in
to your bank account or to you,what do you do with it and how
(14:56):
is it best to use that.
You know, like my beginnings offinancial literacy was my daddy
telling me nancy, your firstpaycheck, I'm 16 years old, your
first paycheck, half of it hasto go to savings.
You know I'm 16.
So I don't have all of theworldly, you know expenses.
So he felt like 50% should goto savings.
(15:16):
And so you know, you begin tolearn that way and then you're
starting to think about frommaybe like long time ago in my
generation we got allowances.
So how do you keep that moneyand decide like, okay, I'm going
to try to buy this, like minewas a stereo.
I first big purchase I wantedwas a stereo and so I refused to
(15:36):
save half of my paycheck.
I said I'll start with thesecond paycheck, but this first
one I'm buying that daggumstereo.
So I got my stereo and but youknow it's.
It's that kind of thing, justlearning, like what are the
smart things to do with thatpaycheck when it comes in the
door?
How much is realistic to putinto savings when it feels like
you don't have any money tospend yourself, right?
(15:57):
So just being gay and beginningto learn what that is and
understanding like another oneis just understanding credit,
like you mentioned.
You know like should.
I get a credit card.
How do I manage the credit card?
Some people thinking that debitcards, it means your bank
account is endless, which it'snot, you know.
So all of that has to do withyour financial literacy and
(16:18):
understanding and learning abouthow to manage your finances in
a way that really serves youwell and sets you up for the
future.
So our SparkPoint program doesa lot of that work and hopefully
, like I said, it's brand new.
So we're looking at how we'redoing that.
But we're also tying togethersome of the families, the
(16:38):
juniors and seniors that we'reworking with in high school.
They're probably have theirfamilies probably could really
benefit from this financialliteracy and coaching program.
And then we also, within that,have a program called Bank On,
and Bank On is where we'rehelping people like, say, they
do start getting an income andthey don't know what to do.
(16:59):
Like, how do you trust banksand other financial institutions
to take your money right andwhat are they going to do with
it?
Where should you place itwithin the bank?
So, learning how to trust banks.
But also, if you're already ina bank, like maybe you just have
your money sitting there andyou just withdraw it when you
need to pay your bills.
What else could you be doingwith your money that might make
(17:21):
more sense or might help youbuild more savings, if you, you
know, just look at itdifferently, manage your budget
differently, that you might beable to really set yourself up
well for the future.
Speaker 2 (17:32):
Yeah, I'm glad that you're putting that opportunity
to for the parents.
Yeah because that is again Imentioned.
Like you know, I had to figureit out but also, you know, do it
for my parents and even to thisday it's always like you
(17:54):
mentioned earlier with the bankshaving to have those
conversations with my mom andand my dad and figure out.
You know things, simple thingslike credit and like they had
they were very hesitant withdoing like credit cards or
anything like that.
And so as someone that's tryingto figure it out and then also
(18:15):
teach it to my parents, I'm gladthat you're having those
opportunities to also bring theminto building that financial
literacy, because sometimes itcan be difficult, as someone
that was still learning it, totry to figure out like how do I
teach this or convince my mom ormy parents or my family to take
(18:35):
action, because there's a lotof fear and anxiety that goes on
there and you know they don'tknow.
So anything that they don'tknow is kind of like hesitation.
So of course glad that that'sbeing recognized and being
brought into you know, unitedway and having those types of
programs.
Speaker 1 (18:54):
Well you know the other thing is is that it's
trying to get younger peopleespecially to think it's
important.
You know, it's kind of like mewhen I was 16 and didn't I
wanted to spend my firstpaycheck on a stereo versus
saving it.
You know, like I didn'tunderstand the value of saving
at that point in time.
You know, I just knew what Iwanted and so you know, getting
(19:21):
younger people to even realizethat it's something important
for them to learn is one of thefirst hurdles, right, and then
the second is actually gettingthem to see how to manage that,
even with their financialliteracy.
So I know now you think that ifyou were new it back then you
would have really appreciated it, but maybe not you know,
because it might be telling youstuff that you don't really want
to hear.
(19:41):
That's probably how I would havebeen, how I was with my daddy
Nope not going to do that.
Speaker 2 (19:47):
I'm not going to do that how I was with my daddy.
Nope, not gonna do that.
I'm not gonna do that.
That is so true, because my Ihave a stepson.
He is 15 and he's looking toget his first job, probably this
summer.
Speaker 1 (19:56):
So I'm already trying like okay, well, this is the
plan and we'll see.
We'll see how that goes, goodluck.
Speaker 2 (20:03):
Good luck with that yeah, yeah, and so, um, you were
mentioning earlier about likefinancial, uh, what was it that
you called it?
Like mobility?
Uh, what does that mean and how, um, do you help, you know,
encourage that?
Speaker 1 (20:22):
yeah, well, all of these programs that I've talked
about, we hope really impactpeople's economic mobility or
their financial mobility whenthey learn more, you know, when
they learn more about how tomanage their money, when they
learn more about credit, whenthey learn more about all of
that.
If we're helping them toincrease their income, you know,
that's where you start gettingsome mobility in your ability to
(20:44):
, you know, reach new goals orto provide more for your family
or, to, you know, do more thingsthat you wanted to do.
That's where you start gettingsome financial mobility.
Instead of, this is the onlypot of money that I get coming
in.
There's never going to be more.
That's all I'm just like.
This is all I have to manage.
Like, what can we do to helpyou?
(21:05):
Look at things that mightincrease your credit, increase
your savings, increase yourincome, or decrease your debt.
What are those kinds of thingsthat might be possible or
accessible for you to do?
So that's where we talk aboutthe financial mobility.
Speaker 2 (21:20):
Yeah, yeah, that's awesome.
It's, it's, you know, growingand hope, hoping for the best
for the next generation andincreasing um as well, because
that's definitely uh importantin my community and, uh, of
course, you know, one of mypassions is making sure we, we
uh encourage that and learn andteach and and all that.
(21:43):
So, um, I was reading that youalso work, uh and well, you
partner with not just you knowyou it says on here schools, but
also with other you know um,basically around the county.
So I'm curious, like you knowwho you work with and stuff.
Speaker 1 (22:05):
You know, really our partners are awesome.
Like I said, in our EarnedIncome Tax Credit Coalition we
have 45 different organizations,so there's no way I can name
them all.
Yeah, the ones that really do alot of the on the ground tax
preparation are organizationslike Dreams for Change and
Interfaith Community Services.
(22:26):
There are others that are doingthe on the ground home start.
There's just plenty that aredoing the actual tax preparation
services and then others thatare doing the outreach and
education.
But you know, like for ourSparkPoint in Escondido that
area we're working withInterfaith Community Services.
We're working with interfaithcommunity services.
We're working with LifelineCommunity Services to do some of
(22:48):
this work with some of theirclients that they're already
working with because maybethey're getting surplus food
provided to them or things likethat, so they're already clients
within the organization andgiving them just an additional
boost of information.
We also work with 2-1-1.
I've mentioned them.
They are the place to call ifyou need resources or have a
(23:10):
question and they can helpanswer it for you, get you onto
the right path.
We work with the IRS in theEarned Income Tax Credit
Coalition, as well as the Countyof San Diego.
So you've got the county, you'vegot federal government.
You've got you know, a lot ofsome of our programs, like our
steam to careers, are atEscondido high school and
Lincoln high school, um, sowe're working with the schools
(23:33):
in that way.
So it's a real, realwell-rounded group of partners
that we work with in the County,within the County.
Um, the school districts arepart of the work that we're
doing here in San Diego County.
We have 43 different schooldistricts, so we're only working
with about two or three of themright now.
As we get more of the growth inour programs, we hope to expand
(23:56):
into other areas as well.
But right now, escondido HighSchool, lincoln High School,
surrounding areas with a lot ofour work Earned income tax
credit is all around the county.
No matter where you live, weprobably have a site that you
can go to to get your taxes done.
So you know we're all over theplace and working with as many
(24:16):
partners as we can.
Speaker 2 (24:19):
Yeah, that's awesome because it does take a whole I
guess, village, you would saypeople to come together and help
bring these communities up andteach financial literacy and all
that.
Speaker 1 (24:37):
Yeah, I mean we learned that during the pandemic
there was no one organizationthat could do it all.
We all had to work together.
We all had to find out, like,where are you providing food so
I can provide food over here,where are you doing this so I
can be over here?
Like we needed to cover theentire county.
And so we all learned that youhave to work in partnership with
(24:59):
others, you have to workcollaboratively, you have to
have good communication betweenthe organizations in order to
provide care and services andthe needs that people have in
our community.
Speaker 2 (25:10):
I guess it's a little bit on the news.
I kind of going a little bitbackwards, back to kind of like
the taxes, because it popped inmy head with the news of itin.
Um, because of everythingthat's going on now, it's like
confusion on like whether to doit or what is it.
(25:30):
For those that may not be aware, I I, you know didn't have to
use it because I wasundocumented when I was younger,
but I know my dad did it at thebeginning, before he got his
citizenship as well, and so Ididn't know what an ITIN was.
And do y'all work with ITIN?
Speaker 1 (25:49):
Yes, of course we do.
Yeah, this is a temporary taxidentification number that you
can obtain if you don't have asocial security number in order
to file your taxes, and this iscertainly in this time, with the
administration and the changesthat we're seeing happen.
All along we've been able totell people that if you get an
(26:11):
I-10 number and we'll help youget that number but if you get
that I-10 number, we canactually do all your taxes and
everything, and right now thelaw protects you.
Your I-10 documentation willnot go anywhere beyond the IRS.
We are not as certain aboutthat now.
We do still encourage peoplebecause if you are here and
you're working and you'regetting a paycheck, you must
(26:34):
file taxes.
But it is a little bit more iffyright now about whether or not
it will continue to be protectedwith the IRS and above.
So you know, all we can do istell people it is the law to
file your taxes and, you know,talk with them about why it's
important to get that I-10number.
(26:54):
And I-10 is I-T-I-N because itsounds like you're saying you
know, like, you know, likewhatever.
Um, but it is an i-10 numberand it is through the irs and
you know, we still encouragepeople to file your taxes to get
that number, and I understandthat people do take a risk right
(27:15):
now because there's no lawchange.
The law is still the law, but,um, you know, as we're seeing,
sometimes that law is beingoverlooked or, um, ignored, and
we just don't know with the samecertainty that that's going to
be a difficult, um I guess, uhhurdle to help uh them overcome
(27:37):
because of the fear right now.
Speaker 2 (27:39):
But, like you, said it's like it's something that
you have to do anyways and thenif you want to, you know, later
on down the road, um, you know,adjust your status.
It's a, you know, one of therequirements sometimes of like
to make sure that you have beenpaying your taxes and all that
and so yeah, it's kind of likeyeah, it's a convoluted circle,
(28:02):
isn't it?
Speaker 1 (28:02):
You have to, but you have this risk.
But if you end up getting youknow some sort of you know
question about it, then you haveto have filed your tax.
It's very convoluted and Iunderstand people need to
evaluate that risk forthemselves.
All we can do is tell them thatthe law says you, should you
have to file your taxes.
Speaker 2 (28:25):
Yeah well, thank you so much for you know coming on
here and sharing this resource.
Where can they, uh, find unitedway and you know, and what kind
of?
I guess I know you mentionedtax services is one of them
right, but for those who areinterested?
Where can they find?
Speaker 1 (28:41):
uh, you know so you can kind of get the broad
overview of everything if you goto our website and that's
uwsdorg, just the first lettersof United Way San Diego.
So, uwsdorg, if you're reallyinterested in moving forward
with the tax preparation, youcan call 211 here in San Diego.
They'll they'll talk youthrough everything you need to
(29:03):
know, all the documents that youneed.
They'll talk you through all ofthat and set up an appointment
for you that you can go and getyour taxes done.
Speaker 2 (29:11):
Yeah, yeah, also, and I will have all that
information in the show notes orthe description depending where
you're listening to on thepodcast and, yeah, any other
last tips or things that youwanted to mention before we
close the episode.
Speaker 1 (29:30):
You know, not a whole lot, but I would just really
encourage people to reach outand find out what resources are
available to you and utilizethem.
These are the kinds of thingsthat will help you get your feet
on the ground If you need that.
These are the things that willhelp you get full move forward
in your life and providing foryour family If you need that or
want that.
You know, it's like I justthere's so much out there.
(29:52):
Take advantage of what's outthere for you to access and
really encourage people to dothat.
But thank you so much forinviting me to be on as a guest.
I've really enjoyed ourconversation.
Speaker 2 (30:04):
Thank you.
Thank you so much.
Yeah, it's.
It's definitely a lot ofresources out there, um easier
now than ever to just like findthem online and everything.
So definitely make sure youknow, uh wherever you're at,
even if it's not San Diego, umto go out there and see what's
available near you.
Speaker 1 (30:25):
Yeah, and the 211 is actually everywhere, so there's
a possibility that there's a 211near you.
If you're not in San DiegoCounty, you know, I know this
one really well.
But you know, try and find outif there's a 211 and they can
give you a lot of the resourcesthat are available in your
community.
Speaker 2 (30:41):
Awesome.
So yeah, yeah, definitely checkthat out, see if it's available
.
So, yeah, yeah, definitelycheck that out, see if it's
available.
Speaker 1 (30:46):
But, again.
Speaker 2 (30:46):
thank you so much, Nancy.
That's it for this episode.
I will see everyone in the nextone.
Bye, Bye.
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