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When the speaker was young, they worked in retail and as a cook to make ends meet. They mention the importance of every dollar and express their dissatisfaction with overdraft fees. They highlight Credit Union 1 as a good option because it doesn't have any overdraft fees. The speaker refers to themselves and their friend as young hustlers with big dreams. They also mention that Credit Union 1 is federally insured by NCUA. When I was young, I worked retail. I was a cook. I was just making ends meet while I figured stuff out. And every dollar counts. That ain't right. It's good that our credit union got rid of all that overdraft junk. Credit Union 1. No overdraft fees, period. Look at us, a couple of young hustlers with big dreams. Credit Union 1 is federally insured by NCUA.