ACUMA ONpoint
ACUMA ONpoint
How A Credit Union Lifer Scales Impact With Fintech
What if the best way to serve members one-on-one is to scale their guidance to thousands? That’s the question we explore with Homebot’s Nicole Herrick, a credit union veteran who moved from the teller line and branch leadership to a fintech seat where impact multiplies. We dig into how “people helping people” becomes a practical strategy in mortgage lending, why credit unions scrutinize technology differently, and how vendors can genuinely support member outcomes without losing the human touch.
Nicole shares the journey from community-first banking to platforms that deliver personalized homeowner insights at scale. We talk about speaking the credit union language, aligning tools to culture, and measuring success by loyalty, retention, and clarity for members navigating equity, affordability, and timing. Expect straight talk on vendor fit, the patience required for two- to three-year relationship cycles, and the power of authentic partnerships that outlast budget shifts. Along the way, we trade stories about career pivots, purpose, and the small choices that build trust inside lending teams and across communities.
You’ll come away with a clear playbook: connect features to member value, prioritize education through the mortgage life cycle, and choose partners who match your cadence, not just your price point. You’ll also meet the human behind the role, family-fueled motivation, a home that doubles as a friendly “petting zoo,” and a sense of fun. Subscribe now, share this episode with a colleague who sells to or leads within a credit union, and leave a review to tell us your best long-game win.
The views and opinions expressed in this podcast do not necessarily reflect the views or positions of Acima, its board of directors, its management staff, or its members. The podcast discussion presented is conversational in nature and for general information only.
SPEAKER_04:This is Acima's On Point Podcast. On today's episode, we'll dive into several different topics with our special guests, ranging anywhere from answering the question on what it means to convert from credit union to vendor and all the way back to how can we make an impact in our industry? It's gonna be a great one. Stay tuned. Hello, welcome to Active Zone Point Podcast, a series of folks and sharing the stories of people who are making a positive impact in the credit union mortgage industry. I'm your host, Peter Benjamin. Today I am joined by Nicole Herrick, account executive at Homebot. Nicole, how are you doing today?
SPEAKER_01:Good, Peter. Thanks for having me.
SPEAKER_04:Of course, of course. Nicole, looking forward to the conversation. As I mentioned, we got a really a large range of things we want to talk about today. Um, but you are very much a regular at our events. You're a familiar face with a lot of our members. And again, you're also a strong supporter of the credit e mortgage industry. So I thought, hey, let look no better time than the present to sit down with Nicole. And I'm really looking forward to this. So, real quick, before we get to it, as always, I gotta bring Justin into the conversation to give us the latest and greatest happening over at Acima. Justin the Hawk, how you doing today? And what's going on over at Acuma? I'm good, Peter. How are you? Cool. Cool. Cool. Yeah. I like it. All right. Living the drinking point. I keep saying that, maybe it'll come true.
SPEAKER_06:Hey, you're living someone's. That's what I said to somebody one time. The butt chewing I got that followed was not very pleasant, but it's okay. Um, well, over here at Acuma, we are two days away from Halloween, which has absolutely nothing to do with Acuma, but we're gonna all be dressed up in our costumes. We're gonna be uh people living dreams, right?
SPEAKER_04:So funny story, I uh once won a Halloween costume contest. Um, who could who could dress up like the best uh Chipotle burrito? Um, and I 100% won. All I literally did was just wrap myself in aluminum foil and have someone wheel me out on a dolly. And yeah, I won, I won like I won a$500 gift card.
SPEAKER_06:That's pretty good. Yeah, yeah. Anyways, good. Yeah, I dig I digress. I mean, you know, you could be like my kids who don't know how to pick out costumes, and one of them is gonna be something like you can count on me or something. He's literally uh taping numbers to himself. Creative, yeah, you know, he was a chain reaction one year, so you know, literally made a chain reaction on a shirt, but still, okay, we're gonna digress from these like cringy Halloween costumes. Uh over here at Acma, though, we are wrapping up the end of the year. So we have our um networking meetings going on. So coming up uh in November, we're gonna have our young professional network meeting. That information is already live on the website. So if you're a young professional under 40 in the credit union mortgage space and just looking to connect with your peers, uh, that is the place for you without a doubt. Um, additionally, we have our webinars, our insight tracks and our fast tracks. Those are happening year-round, along with our favorite on-point podcast. Okay, awesome.
SPEAKER_04:Well, we thank you very much. Stay tuned. All right, all right, man. All right, so Nicole. Um, I I love the direction of you know our conversation because you know we we started off this podcast, you know, with the idea of, and I I've said this 2,000 times at this point, of just trying to spotlight credit union people and how point out that credit union people really are something special and that they that that more and more people either need to convert to the credit union industry or or even view credit unions as subject matter experts. And that's why we kind of had this idea of coming up with this. Now, over the years, I think what Justin, we're in our third year, fourth year of this podcast. Uh, this is our third. Third, third. You know, the the it just continues to evolve. And I I'm I'm gonna frame up your episode uh as one of those evolutions because it's it's not really diving into a specific topic. It's more of a hey, let's just have an intimate conversation with someone. Let's get to know them a bit more. And I think that that's needed. And you know, you're you're someone who, like I said, is out at all of our events, and you know, it's I think it's important for people to get to know who you are. I mean, you're definitely one of the good ones. Um and so we're we're I think we're I'm looking forward to this. So let's um let's start off with the same conversation, the same question I always start off with. And you know, and I think it's it's gonna lead to the rest of the questions, but you know, that question is always, you know, who who are you? Who's Nicole? You know, walk me through this. You know, it you can take this, you can walk me through your professional journey. But the the question is really designed to figure out, okay, well, what makes Nicole Nicole? So what makes Nicole Nicole?
SPEAKER_01:Yeah, I think I think starting off with a professional journey is gonna just lead into that organically. Um, I I don't think anybody really, and you've probably heard this before. I don't think anyone really grows up and says, you know, I really want to be a credit union professional. I really want to work for a credit union. Or even to take that a step further, I really want to be a mortgage lender. You know, we all fall into it somehow. Um and I like to think of it this way. You know, they say you should be in customer service one way or another. Um, you know, in your in your professional journey, you should be a server, a waitress, a bartender, something that's, you know, people facing and you learn a lot from that. And I think it goes um the same for credit unions. If you're gonna be in banking or anything of that nature, I think you should take time to work for a credit union because it just offers you a completely different perspective than the norm. And I think a lot of people that fall into this industry have a really hard time getting out because of how great it is. And that sounds slightly corny, but I think it's true. Um, I had the opportunity to get into the credit union space when I was young. I actually, I'll tell you the full story. I uh went out on my 18th birthday to get a loan for a motorcycle because that's super responsible. And I had a recommendation to go to a credit union because they would probably lend to somebody that didn't have a ton of credit or any at all, but had good job history. I worked for banks when I was in high school. Um, I worked for a pharmacy also. So I ended up going in, getting a loan for a motorcycle, and leaving with a job as a teller. Um, they pulled me over from the bank and then I stayed there for 11 years and I grew up there. You know, I went from teller to new account rep, receptionist, consumer lending, branch manager, um, just like so many of us have, you know, worked worked your way up that way. And um, you know, I worked for Canvas Credit Union here in Denver, which is where I'm based. And then I I had a chance to move over to Homebot. So where we help credit unions at a much larger scale. So I think going back to your original question, you know, what makes me tick, um, it's definitely in line with the credit union motto, which is people helping people. And um definitely a people person definitely want to make an impact and as to you know large of large scale as possible, um, which is what I what I get to do now.
SPEAKER_04:Right. And so I I going back to something that you said, so I I I loved it so much is that you you basically said that everyone at some point in time need in in our industry, and we'll call it the credit union, we'll call it the mortgage industry, excuse me, really should work for a credit union because it changes your perspective on so many different things. I I couldn't agree more with that. Um and for me, you know, kind of making that change over to the credit union space, you know, from a community bank almost renewed my sense of purpose within the industry. Um you know, and and you're right. I mean, it they are special places, you know, often focused on culture first, and all they really want to do is help that community. And I I love that you said that because I was on a another podcast. Um friend of mine, uh Dustin Owen, uh, he does a T Lock podcast. And the the our our podcast conversation was really based off you know the credit union difference and why people should really look at working for a credit union. And this is all targeted for non-bank lenders and and bankers. The number of calls and emails and LinkedIn messages I got with people who heard my story, who heard my the messaging of culture, people, uh, community. I think I think you it only I was shocked by the number of phone calls, but I think that's only gonna make our industry better with people who are seriously interested in those things, wanting to make it better. So I couldn't agree with you more on that. So thank you very much for saying that. Um, so a couple things. All right. So let's start with the reason why you made that that move over to Homebot. Obviously, you were, I don't want to say a lifer, but uh when you get to like the tens, you're you're almost on that way of becoming a lifer. You're almost a lifer up within the credit union industry, but then you made that change over to Homebot, which you know, Homebot's, you know, you know, a fun, it's a young organization, you know, it's a fintech, you know, you get all like the the fun, you guys do all the fun things. You have I think I saw you guys had like Patagonia Vests or something like that. Um, you get all the cool stuff out of fintech, but what really prompted you to make that change from you know directly helping your community to going over to a technology partner? You know, what was that? And and and I guess you also hinted at it when when you were bringing this up. Do you notice that how you're impacting our industry differently between the two? One one's more might, I guess, micro and the other one's more macro, right? So kind of walk us through that. So it's really a two-part question.
SPEAKER_01:Yeah. Yeah. And it was um a difficult decision because I always saw myself as um somebody that would retire from the very first credit union that I worked at. You know, we have um still to this day, there's people there that have been there for 40 plus years, and I always thought that would be me. We moved states, which is honestly probably the only reason that I'm not still working there. I love that credit union. It's community choice credit union out of Des Moines. Um, they're super fun too. They're really loud with their marketing. It's a great crew. A lot of people stay there for a long time. And so making the move, it wasn't really a question to me. You know, I knew I was gonna land at another credit union and I scoped them all out. Canvas seemed great. They seemed loud as well, a big, you know, making big splashes in their community, which I loved. Um, and I had the opportunity to to spend a couple of years there, and it was it was great. Um, still love those those folks today and um, you know, still have the opportunity to talk to all of them from from both places. But the biggest draw to me from moving over from a credit union branch, which is what I was doing, to Homebot was, and you hit the nail on the head, Peter, it was the impact. Um, so you know, I loved the members that I got to work with on a daily basis in a in a one-to-one setting, you know, um, helping them financially, helping them afford life is is Canvas's motto. And and I would completely agree with that. But when I looked at Homebot and when I looked at the experience for the members, um, it's it's driving impact at scale. And that was very appealing to me. And so, you know, it I've been there for three and a half years. I I still feel like I'm learning every single day because it's wildly different than the credit union space. But the folks that I talk to, um, especially, you know, at Acuma or after Acuma conferences, everybody is so excited about what we do and the gaps that we fill because they're prominent and they've they've been, you know, something that credit unions have talked about for a long time, uh, especially in the mortgage space. So um I forgot what your question was, but but that's uh, you know, that's basically just summarizing why I I made the jump. And I've loved it. I mean, I miss I miss working with members one-on-one. I truly do. Um, but I just I get to help mortgage members and non-mortgage members um get closer to their credit union and their their mortgage division, and it's it's incredibly rewarding.
SPEAKER_04:So you know so one, you answer the question perfectly. It's the thank you very much. You know, and it and you know, outsider looking in, in my opinion, it gives you a really good perspective into how to work with you know potential clients, right? Yeah, I I've said this a lot, you know, credit unions are oftentimes one to two steps behind everyone else when it comes to technology, right?
SPEAKER_02:Yep.
SPEAKER_04:You know, from you know I and I always listened more whenever I knew someone I was talking to about a new potential technology had sat in my seat or understood what it actually meant to be working for a credit union because you you you you can you know you you can walk the walk and talk the talk. But I'd like to think that you know you made that move over to Homebot because it mimicked the the the the need or the desire or the opportunity to make a larger impact, you know, for the greater good, right? So let let's if we if we peel it back, you know, there's you know all different types of technology, and there's all different types of opportunities out there for you to improve your technology stack, um all cost wise, all different cost-wise. But the opportunity to really say, hey, you know, let's give you something that's gonna be a difference maker. I've been in your seat, I wish I had this, or even this is something that can really help you and your help you support your community, I think it's fantastic. Now when you made that shift, like how did you have to change your your perspective on I I I guess your career trajectory or how you went about your day-to-day? Um like did it change your perspective going from vendor from credit into vendor on our industry?
SPEAKER_01:Yes. I mean it's it's a definite shift just in dynamic. Um it's a different mission, it's different um, you know, activities that you run every single day. You're not just focused on the member at hand or your staff, you know, coaching them up, um, things like that. And I again I definitely miss that, but it's you know, who can we help right now, today? Who can we help tomorrow? Having those conversations, and you mentioned something about you know, speaking credit union. And I've had credit unions that have even said, Hey, thank you. You are speaking our language. We appreciate that. Um, which definitely helps the conversations to flow, but that's the only language I know. So it's not something that even I have to, you know, think about. It's just that's that's all I've ever known. Um, and I think that that makes those conversations and those relationships genuine. Um, you know, I was on, I had the honor of being on that panel at Acuma, and it was talking to other vendor partners and how to be successful when they're working with credit unions. And the number one answer is you have to be genuine and you have to care. If you only care about your product and you only care about making a sale, you'll you'll never thrive in this environment because they can they can see right through that. And that's not the type of business that they run. They run through relationships and member experience. And, you know, you you said it, like there's there's a lot of different technology that they can take advantage of, and it's ranging in prices and and all sorts of topics and and different, you know, divisions of of business. But when you have something that truly helps that you've experienced that you understand will, you know, um create a better environment for the members and the credit union, it's it they're easy conversations. So yeah, it's it's a shift from working for a credit union um to essentially, to be frank, selling to a credit union. Um, but I think that as long as you care about what you're doing and you're you're authentically um, you know, bringing your your passion first, I think you can be successful. I think you can drive the impact that we've been talking about.
SPEAKER_04:No, but I mean I think you're right. I mean, credit unions can smell it a mile away, right? Whenever I talk to a new vendor who's joining Acima, I always say, you know, don't join this association and don't come to our events thinking that this is gonna be a quick sell or that you can use your traditional sales techniques to get business like you would with an IMB or bank. You know, this is relationship building. Um they don't they're not gonna care less about you for the first year. And you know, if you go in there and you don't talk talk to them like a human being, they're definitely not gonna pay attention to you for the first year. You know, you have to invest in this for two years. You have to show them that, hey, you care about their actual business and i.e. their communities, just as much as you care about wanting to help them, right? And that's how you get a credit union to really want to partner with you. It's in and the number of times that that that we've had vendors just not listen to us in that process, because I think you know, Krista, Justin, Cameron, we all tell them the same exact thing. This is a long game, not a short game. Don't expect a quick sale. The number of them who just don't renew after the first year, or when we get the we we get an email saying that they don't see a value, I'm like, well, that's because you want to belt the wrong way.
unknown:Yep.
SPEAKER_04:You you have to go in there and show them that you're a human being and you're there just to support them. And by doing that, you'll see great success. Now, you know, and obviously you have seen great success because you know, obviously, people can relate to you. You talk the talk, you walk the walk, you've been in their seat, but also it's always, I'm sure how many times have people actually asked you, just out of curiosity, you know, do you work with a credit union or are do you bank with a credit union or do you have a mortgage with a credit union, or have you ever worked for a credit union? How many times does that come up in conversation when you were going for a sale?
SPEAKER_01:Um, all the time. Um, and and if I'm talking with a credit union, honestly, Peter, I I usually lead with that. And sometimes the reaction is um, I mean, it's kind of funny. You can see them physically re- relax, you know, it's like, okay, she knows, like she knows what we're what we're going through. Um, but even so, even with the credit union experience and all that, I would say my experience was the same with getting into, you know, Acuma and building the trust, uh, even leading with, hey, I've been in the credit union industry for 15 years. It still took a year, year and a half for, you know, for folks to start trusting me and um kind of to be curious about what we were offering. Um, so yeah, anybody listening that's a vendor, just stick with it because it's worth it. And I think what you'll find is that the relationship matters more than the sale at the end of the day. And if that's not your your perspective, um, you should be open to that because you'll leave uh with a lot more than just some money in your pocket. I have friends in this industry um that I can call for a number of things that has have nothing to do with business. And um, I love that. I love that about the credit union space.
SPEAKER_04:There's there's really no uh get rich quick scheme when it comes to credit unions and selling to them, right?
SPEAKER_02:True.
SPEAKER_04:This is a two to three year plan.
SPEAKER_02:Yep.
SPEAKER_04:That's what you have to invest in. All right, so you know we we need to start transitioning uh to the second segment. Um, but before we do, uh it's the same question I asked at the end of every single episode, and I'm gonna continue to ask because I think it's so important for us to figure out who we are as people. But you know, the biggest the last question is always what motivates you? What keeps pushing you forward? You know, you have a sense of drive, you have a sense of purpose. Again, we we this can be as as higher power as you want. It can be about family, it can be whatever you want to take this, but what keeps you pushing to make a big difference in in everything that you do?
SPEAKER_01:Yeah, I I have never been one to sit still, um, never in life. I just I need to be doing something all the time. Uh, my neighbors in my neighborhood make fun of me. They're like, are you ever just relaxing? No, usually not. Um and that's just hardwired, you know, part of me. But what drives me, you know, especially with work and and what we're doing here, obviously it's it's the ability to run with my passions. And the credit union movement is one of my biggest passions. Um, but I would say, you know, above all else is family. I've got I've got two kiddos, I've got a husband. Um, we basically have a petting zoo at this point, and it it all it all goes back to them. Like everything that I do is is for them to make their lives better, um, just to put them in the best situation that I possibly can and raise my kids the right way. I want them to see, you know, the work ethic that me, that I'm sorry, that I have and that my husband has. And I I want them to adopt that and to understand that it it is important at the end of the day. But, you know, more so than money is is leading with passion and doing something that makes you happy. And that's um I think that's kind of rare these days. I think people get jobs to pay the bills, and there's just more to life than that. And so I would say that that's probably the ultimate driver behind you know what I do and why I do it.
SPEAKER_05:I love that. I absolutely love that.
SPEAKER_04:No, I have to ask describe this petting zoo or the number of animals, or what animals do you have? I have to know.
SPEAKER_01:It's just a growing list all the time. Um, we've got two horses that I'm actually looking at right now out of my office window, which is lovely. Um, three dogs, a cat, six fish. We had some chickens.
SPEAKER_04:Um, yeah, and I had had chickens, like something happened to them.
SPEAKER_01:Had chickens, yeah.
SPEAKER_04:Yeah, probably dinner one night.
SPEAKER_01:Uh, I I wish that was the case. No, they uh fell victim to coyotes, unfortunately. So no more chickens.
SPEAKER_06:See dinner.
SPEAKER_01:Yeah.
unknown:Someone's bright, not mine.
SPEAKER_01:Um, but yeah, I mean, I just asked my husband if we could get, you know, a couple goats, maybe a small cow, whatever, whatever I can get away with.
SPEAKER_06:A llama.
SPEAKER_01:Yeah.
SPEAKER_06:So the next time we're in Denver, uh, Nicole's volunteering for goat yoga.
SPEAKER_01:Goat yoga. Absolutely. Yes.
SPEAKER_04:No, we don't need to call that uh animal um therapy dogs or the therapy dogs anymore. We'll just have Nicole bring her zoo.
SPEAKER_01:Yeah. I I totally can. Any time.
SPEAKER_04:Okay. All right, Nicole. So let's let's transition to the second segment. And this is where we, you know, kind of, you know, I don't want to say spice things up, but this is where we spice things up. Uh yeah, Justin, I see that face. Just very weird way of putting it. I know. We try to make things a little bit more fun, you know, and on and on a fun note. Uh, sometimes we do dad jokes. Uh, today we are going to play Jeopardy. So bear with me one second as I bring my Jeopardy board into screen. And I'll, as always, I will describe it to the audience. Uh in front of us uh is right now a standard Jeopardy board ranging in points from 100 to 500. Um, for the sake of this, Nicole, you are team one, Justin is team two. Um, so again, the range is from one to 500 points. The categories are, oh, and by the way, I forgot to mention this is uh superstition Jeopardy.
SPEAKER_03:Oh yeah.
SPEAKER_04:Yeah, with Halloween literally just a few days away. I was like, I can't do Halloween Jeopardy. What kind of goes along with Halloween? I was like, oh, superstitions, perfect. Um, and so we'll we'll see how good you are with superstitions. I think Justin's actually gonna win this one. Yeah, um, but we'll see. Some of them are are pretty hard, and now so I did not make this up. Uh I just googled this, and so the categories are from the five categories we have lunar new year, numbers and colors, ghosts, bad luck, and good luck. And so, Nicole, you do not have to answer who is, what is, etc., etc., etc. Once you ask the question, or once you you say the number, like we'll say bad luck for 500. That's your question to answer, no one else's. Um other than that, we're ready to go. All right, just Justin? Oh yeah, let's do this. Nicole, since you are our honored guest, you get to go first. Where would you like to go?
SPEAKER_01:I would like to do bad luck for 500.
SPEAKER_04:Bad luck 500. If you have a blank under your blank, part of your it's a part of your body in parentheses, you will have a sad life.
SPEAKER_01:A sad life? I've never heard of this. If you have a blank, Justin knows us. Oh no.
SPEAKER_04:I saw you leaning in. And by the way, if you say I don't know, if you if you don't answer anything, I d I don't take away points. If you're like, I don't know, skip. I don't take away points.
SPEAKER_06:You don't take away points?
SPEAKER_04:If she says I don't know. If you no, if you say the wrong answer, that's my takeaway points.
SPEAKER_06:That's the same thing.
SPEAKER_01:I'm I'm gonna guess, but I know it's wrong. If you have a and this, yeah, this doesn't fit. If you have a penny under your shoe, isn't that good luck? Penny under your shoe? Am I making I have no idea? I don't know.
SPEAKER_06:I mean, that sounds like that. That does sound like a saying, but I I think it would give you more wealth than a sad life.
SPEAKER_04:Yeah, seriously, this is the this is uh bad luck.
unknown:Luck.
SPEAKER_04:All right, so did you steal did you give me an answer?
SPEAKER_02:Yeah, she did. Yeah.
SPEAKER_04:All right, Justin, do you want to steal? Absolutely not. The correct answer is. The correct answer is if you have a mole under your eye, a mole under your eye. Wow, I don't think it's very superficial like that is.
SPEAKER_06:I uh again, I didn't pick these questions. I just Googled. But you picked out bad luck for 500 in your intro, which led Nicole there.
SPEAKER_04:I did not do that on purpose, and I didn't actually think anyone picked that one, but anyways, Justin, go. Uh, you have to deduct points from Nicole.
SPEAKER_06:I'm up by 500. Thank you.
SPEAKER_04:Oh, look at that, Justin.
SPEAKER_06:Uh, I'm winning. Yes. I'm gonna do numbers and colors for 300.
SPEAKER_04:Numbers and colors for 300. This color is considered unlucky because it is typically worn during funerals. Black. The correct answer is white.
SPEAKER_02:Oh okay. No. I believe it.
SPEAKER_04:I guess if you wear white to a funeral, it's bad luck.
SPEAKER_02:Oh, I see. Okay.
SPEAKER_06:It says it is typically worn during funerals.
SPEAKER_01:Well, you still lose 300 points. Yeah.
SPEAKER_06:Sorry.
SPEAKER_05:Yeah, yeah, sorry. I didn't make up these questions. All right, Nicole.
SPEAKER_01:Let's do good luck for 300.
SPEAKER_05:Good luck, 300.
SPEAKER_02:What?
SPEAKER_04:A big blank and in parentheses it says body part represents good luck.
SPEAKER_02:Big feet. Big hair.
SPEAKER_04:Give me one answer. Big feet. Big feet. Justin. No.
unknown:No.
SPEAKER_05:Okay.
SPEAKER_04:The correct answer is EAS.
SPEAKER_02:Ears.
SPEAKER_06:Oh man, I must have amazing luck. I used to have a friend we called Ears.
SPEAKER_01:He was probably very lucky.
SPEAKER_06:Yeah, seriously. I mean, did survive a Hilo crash, so yeah.
SPEAKER_02:Oh, well, there you go.
SPEAKER_06:I know, right? Isn't that crazy? Alright, Justin. All right, still winning. I'm gonna go um good luck for 400.
SPEAKER_04:Good luck, 400. You should always blank after you wake up every morning. This is a really bad Jeopardy board. Who made this up? Go to the bathroom. Go to the bathroom. Nicole, do you want to steal?
SPEAKER_01:Um, if I steal and I get it wrong, do I then lose points?
SPEAKER_04:Yes.
SPEAKER_01:Oh no, I don't want to. I have no idea what this is.
SPEAKER_04:Okay. Correct answer is smile, Justin. You gotta smile every morning.
SPEAKER_01:I was gonna say wake up.
SPEAKER_04:Seriously. You should always wake up.
SPEAKER_06:Always wake up after you wake up. Have a cup of coffee.
SPEAKER_02:I know that's what I was thinking.
unknown:All right.
SPEAKER_06:Cool.
SPEAKER_01:Let's uh let's dial it back a little bit. Can we do numbers and colors for 100?
SPEAKER_04:Numbers and colors 100. The number blank is very unlucky because the pronunciation sounds like the Chinese word for death.
SPEAKER_01:This is probably wrong, but I'm gonna say 13.
SPEAKER_06:Wrong.
SPEAKER_01:Wrong? You're gonna feel it?
SPEAKER_06:Yes.
SPEAKER_04:Alright, Justin, what is it? Four. The correct answer is four.
SPEAKER_06:Good job, Justin. Are you kidding me? Nothing. My wife's not Chinese, but nothing in my house can come in groups of four. It is unlikely. What's what's the word? I don't know. Okay.
SPEAKER_04:Alright, Justin.
SPEAKER_06:Cool. Alright, you're up. Alright, I'm gonna go with Savannah's ghost in our hotel rooms for 300. Ghost, 300.
SPEAKER_04:Doing this out loud at night will attract ghosts.
SPEAKER_06:Going ooh. It's 100%.
SPEAKER_05:That's my answer. Really? Do you want to see them? I don't know.
SPEAKER_01:No.
SPEAKER_04:Yawning.
SPEAKER_01:Murdy 900 points.
SPEAKER_04:I think it's it's like saying the ghost's name out loud.
SPEAKER_01:Yeah, that's that's a correct.
SPEAKER_04:I'm gonna go. Alright, so the correct answer is calling a person's name. That's close enough. How do you know the person's name isn't ooh? I just don't know, Justin. All right, so at the end of however many rounds we just did, we have a tie score at negative 900 to negative 900. Let's do one more round to decide the winner. Nicole.
SPEAKER_01:Um, let's do ghosts for 100.
SPEAKER_04:Ghosts 100. Can't have a blank in your bedroom because it will bring out the ghosts at night. I know this one.
SPEAKER_01:Um man, this I'm just so terrible at Jeopardy. A Ouija board?
SPEAKER_04:That's a good answer, but no. Justin. No. I want to say mirror. The correct answer is mirrors.
SPEAKER_02:Alright.
SPEAKER_04:Look at me.
SPEAKER_06:All right. All right. Sorry, Nicole.
SPEAKER_02:I lose the most.
SPEAKER_06:Well, after the end of four rounds. Nope, Justin. You still have to go.
SPEAKER_01:Oh god. Go, go, go big, go 500. Something 500.
SPEAKER_06:I'm gonna go with gotta go for a W here. So let's go with numbers and colors for 200. Numbers, colors 200.
SPEAKER_04:This color represents good fortune during weddings and festivals.
SPEAKER_06:See, this is crap. I already got the death question, and that was white. So I swear to god, if it's white, it makes no sense. Um, the this color represents good fortune. So red is a good fortune color. I don't know about that. Green, but nobody wears green to weddings, and who knows about festivals. Let's stick with what we know. Nope, it's it can't be white. We're going with green. Green. Nicole, do you want to steal?
SPEAKER_01:Does that mean he got it wrong?
SPEAKER_04:No, I don't know yet.
SPEAKER_01:Oh.
SPEAKER_04:But do you want to steal just in case?
SPEAKER_01:Yes. I'll say white.
unknown:Okay.
SPEAKER_04:I swear to God, if it's white. I'm gonna say I'm gonna say blue.
unknown:Oh.
SPEAKER_04:Because don't you have to have isn't that one of those things like you have to have something borrowed, something new, and something blue?
SPEAKER_02:That's true. That's true.
SPEAKER_04:That's true. It could also be red. Okay, we'll see.
SPEAKER_05:The correct answer is red. Oh my gosh!
SPEAKER_04:But you still got it wrong. Close. No to Nicole. She did. So I won. She did.
SPEAKER_01:Why would negative four though? Is that even winning?
SPEAKER_04:It's winning in Justin's book.
unknown:All right.
SPEAKER_04:Well, at the end of however many rounds we just did, Justin, congratulations. You win with a final score of negative 1200 to negative 1100. Justin wins by 100 points. Good job, Justin. Thank you. Nicola couldn't have done without you. And I I apologize. That was probably one of the worst Jeopardy boards that we've done on from that website. I only go to I use like Jeopardy Labs and I just type random things like Halloween Jeopardy, and I just pick a random one. But that was probably one of the worst ones we've done yet, Justin. Yeah, I'm gonna get two right total. Yeah two or three.
SPEAKER_06:Yeah, something that's pretty bad.
SPEAKER_04:Well, Nicole, thank you very much for for spending you know the better part of an hour with us. Really enjoyed the conversation. Um, and also you know, appreciate what you do to support uh Acima and our community. Um, it's as always great catching up with you.
SPEAKER_01:Yep. Thank you so much for having me. It was great chatting with you guys. Appreciate it.
SPEAKER_04:Of course. And Justin, thank you. Absolutely. It's my pleasure. And all of you, we know your time is valuable. Thank you for tuning in to the latest episode of Acuma's On Point Podcast. We hope you enjoyed it. Until next time, you will, my friend.
SPEAKER_00:Thanks for listening. We'll see you next time at the Acuma on Point Podcast. If not already, be sure to subscribe and give us a five star rating. For more great episodes and information, be sure to visit us online at Acuma.org. And to get the latest updates, head over to our LinkedIn page.
