October 20, 2025 ~ Lucy Ann Lance is joined by Nicole Bernacik, UMCU Financial Education Specialist for Money Monday! Nicole describes “lifestyle creep” as an increase in spending that follows a rise in income or career advancement, often without awareness. This pattern occurs when people use new money or debt-free funds for non-essentials like new cars, dining out, or travel, rather than for savings or retirement. To prevent lifestyle creep from harming finances, the discussion advises creating a budget, prioritizing saving first, and setting specific financial goals.