New Financial Education Album Aims to Strike Chord with Kids

PrintTwo Madison musicians have released a financial education album for kids that introduces important money lessons through songs about pirates, superheroes and other non-sequiturs.

The album, called “The Secret to Being Rich”, features ten original songs for ages 10 and under that incorporate core financial literacy concepts including saving, responsible spending, the importance of charity, dangers of “too good to be true” advertising and even the basics of how loans work.

Furthermore, the album’s overall theme ties into its tongue-in-cheek title, which is meant to convey to kids that being ‘rich’ takes hard work and discipline, and that you can also be wealthy in friends, family and other things in life that can matter much more than the money in your wallet.

All songs were written by Chad Helminak and Christopher Morris, who perform as band “The Disclosures” outside of their day jobs within the credit union industry.

“We’ve found that music and humor can be very effective ways of reinforcing learning,” said Morris. “Since we both work closely financial education programs in our day jobs, we knew this was an important direction to take our music in and help a young audience learn about these topics.”

Morris and Helminak have also developed discussion topics for teachers and parents, as well as a classroom performance which they’ll be debuting in Texas elementary school tour in February, 2014.

“The Secret to Being Rich” album is available for download on all major digital music stores such as iTunes, Amazon and others. Physical CDs also can be purchased at, and The Disclosures will also be processing bulk orders of CDs at discount for purchase by financial institutions, schools or youth organizations. All ordering information and additional resources can be found on

Earlier this year, The Disclosures released “Thank My Piggy Bank,” the first single and video from the album. The video was filmed around town at the Madison Children’s Museum, Capitol Kids, and Summit Credit Union.

A record release party is scheduled for December 20th at DreamBank in Madison. Details are online here.

Click here for more information about The Disclosures.

The Disclosures’ Record Release Party Set for December 20th at DreamBank

DreamBank (image source: retail design blog)Come celebrate the release of The Disclosures’ new kids album, “The Secret to Being Rich,” at this fun and free event.

This is your chance to meet and hear The Disclosures (Christopher Morris & Chad Helminak) – musicians with a mission – and also purchase first print copies of their new album. The album has 10 songs that use music and humor to introduce lessons about money, savings, responsible spending and more.

Live acoustic performance at 6:30. All ages are welcome and encouraged to come!


Friday, December 20th | 6:00 – 7:30 PM
1 N. Pinckney Street
Madison, WI
(On Madison’s Capitol Square)

You can RSVP on Facebook here & hope to see you there!

DreamBank (image source: retail design blog)

Release Date & Tracklisting for The Disclosures’ New Kids Album


We’re happy to announce that our new kids album, “The Secret to Being Rich”, will be released worldwide on December 10, 2013. The album has 10 songs that use music and humor to introduce lessons about money, savings, responsible spending and more.

It will be the first of its kind and available where ever you download music digitally (iTunes, Amazon, Napster, etc). We will also be selling physical copies of the album on CD at shows/events where we perform as well as online at stores such as, Amazon and others.

Above is the back cover of the CD (in case you missed it, here’s the cover art). Thanks again goes to Lesley Clark from Sissybird Design for creating all the artwork for our album. Also thanks to Morriss Partee/Squirrel Trench Audio for his fantastic work mixing and mastering on the album.

Without further ado, here is the tracklisting for “The Secret to Being Rich”:

  1. Money, Moola, Dinero, Dough
  2. I Want, I Need
  3. Save!
  4. Won’t You Be My Money Buddy?
  5. The Tale of Kidd Silver, the Savviest Pirate to Ever Sail the Seas
  6. Thank My Piggy Bank
  7. Captain Smartmoney vs. Dr. Greedypants
  8. Spend, Save, Give
  9. Too Good to Be True
  10. The Secret to Being Rich

Look for more information coming soon on our record release party and other album-related news. We can’t wait to share our music with you!

Album Cover Released for The Disclosures’ New Kids Album


We are pleased to release the first glimpse of our album art for “The Secret to Being Rich” slated to release in December, 2013! The forthcoming kids album uses music and humor to introduce lessons about money, savings and responsible spending.

We owe a huge thanks to Lesley Clark from Sissybird Design for putting together this wonderful front cover. She’s working on all of the album art for us and every bit of it looks amazing. Thanks Lesley!

What’s the album going to sound like? In case you missed it, on April 2nd, we released the song and video for “Thank My Piggy Bank”, the first single from the album. Stay tuned for the tracklisting and more details on our album between now and December. We can’t wait to share it with you!

The Disclosures Named “Credit Union Rock Stars” in Special Credit Union Magazine Issue


In honor of International Credit Union Day, Credit Union Magazine is publishing a special bonus issue, which is dedicated to credit union rock stars – “ordinary people who are doing the extraordinary.” Forty-eight rock stars were selected based on their passion and drive to put bright ideas into action and champion the credit union ideal of “people helping people.”

The Disclosures were lucky enough to be included in the special issue and are honored to be recognized. We are in such great company as the issue is bursting with stories of amazing people from across the movement!

We can’t say this enough too – a huge THANK YOU to our employers, colleagues, family, friends and fans for your support and encouragement. You guys rock!

> Click here to view The Disclosures Rock Star profile – “They Sing the Songs That Make the CU World Sing”

> Click here to view all the Credit Union Magazine Rock Star profiles


The Disclosures to Play DreamBank & Fox Cities Money Conference


We wanted to let you know about two upcoming family-oriented shows around Wisconsin. They’ll both also be featuring our new and fun financial education songs for kids off of our forthcoming album “The Secret to Being Rich.”

First, we had so much fun playing at DreamBank on Madison’s Capitol Square as part of Make Music Madison this past summer, that we’ll be playing there as part of their “Family Saturdays” series. Here are the details:

Saturday, October 26, 2013 | 11:00 am – 12:00 pm
DreamBank – One North Pinckney, Madison, WI
Click Here for the event page on the DreamBank website for more information

We are also excited to be performing a session of our new songs at the Fox Cities Money Conference next month. This should be a great event as it’s a full-day financial education conference for youth and families in Appleton. Here are the details:

Saturday, November 3, 2013 | 8:30 am – 3:30 pm (we’ll most likely be playing mid-day)
11th Annual Fox Cities Money Conference – Fox Valley Technical College, 1825 N. Bluemound Dr., Appleton, WI
Click here for the event flyer for more information and registration

Hope to see you at either of those events!

The Disclosures to Play Co-op Connection in Madison – October 5, 2013


The Disclosures are very excited to perform at the third annual Co-op Connection in Madison – a local “celebration of cooperatives and community” – alongside Pat McCurdy and David Landau. We played at the very first Co-op Connection in 2011 at the Monona Terrace and can’t wait to play this year as it is off the Capital Square Dane County Farmer’s Market!

The free event is hosted by Summit Credit Union and they’ll be joined at the event by local cooperatives sharing their stories. You can expect family activities, live entertainment, prize drawings, free product samples and more.


Saturday, October 5, 2013 | 8:30 am -1 pm | Martin Luther King Blvd in Madison, Wisconsin

> Click here for more information about the event

We are slated to play at 9:25 am and 12:30 pm. The first set will be full of our new youth financial education songs so bring your kids! The second set will be made up of our original co-operative and credit unions songs mixed in with a few of our favorite covers.

Hope to see you there!

Summer So Far…

As you might have noticed, we’ve taken a little break from recording our forthcoming youth financial education album to play a few exciting shows in various places this summer.

First, we played at Capitol Kids and Dreambank on the capitol square in Madison as part of the first Make Music Madison, a city-wide celebration of music. We played a special set of kids music, including new songs we’ve been recording.



A few weeks later, we traveled to West Yellowstone in Montana to play at the Mountain Regional Credit Union Roundtable. We performed our “Credit Unions Rock! Getting in Tune with our Roots and Philosophy” education session for attendees and played some music after dinner at the historic Union Pacific Dining Hall. Combining some of the best acoustics we’ve heard in the hall with a great group made it an awesome experience.



We also were invited to perform at the fundraiser for CUNA Management School in Madison, which was a lot of fun. As a bonus, they gave us some glow bracelets and necklaces while we were performing. Also for the first time in the band’s history, Chad played electric guitar live.


Now the rest of our forthcoming album beckons, which we are looking forward to finishing writing and recording. All in all, we’re having a blast this summer and hope you are too!

The Disclosures to Perform at Mountain Regional Credit Union Roundtable

Mountain Regional Credit Union Roundtable

We are pleased to announce that The Disclosures will be performing at the upcoming Mountain Regional Credit Union Roundtable taking place in beautiful West Yellowstone, Montana on July 9-11, 2013.

The event was developed for senior credit union management and board members from the following states: Montana, Wyoming, Colorado, Arizona, Idaho, North Dakota, South Dakota, and Utah.

On July 9th, we’ll be performing our music-driven “Credit Unions Rock! Getting in Tune with our Roots and Philosophy” session for attendees, which has been described as a credit union version of “VH1 Storytellers.” After dinner, The Disclosures will be the evening’s entertainment at the historic Union Pacific Dining Hall.

Hope to see you there!

> Click here for more information on the event

The Disclosures to Perform New Kids Set for Make Music Madison

makemusicmadisonlogoWe are excited to announce that The Disclosures are performing as part of the 1st Make Music Madison on June 21, 2013!

First, what is Make Music Madison?

On Friday, June 21, music will be popping up all over Madison, in likely and unlikely places, to create one huge city-wide celebration of community.  From 10am until 9pm, there will be 270 free performances.  All types of music and all skill levels of local musicians will appear in parks, in front of libraries and fire stations, floating down the Yahara River, in front of the Children’s Museum, at Bernie’s Beach, and at one hundred other locations.  Listings of all performances now are available at our interactive map at, and soon will appear in Isthmus and on our Smartphone apps.  Join in for the fun. 

We’ll be performing an all-new set of our fun youth financial education songs from our forthcoming album, along with a few other kids classics. Madisonians have the chance to catch the set twice on the square:

4:00 – 5:00 PM Capitol Kids – 8 N. Caroll St.
5:00 – 6:00 PM DreamBank – One North Pinckney

See you there!


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