Real Money, Real Experts is a personal finance podcast written and produced by AFCPE®. With an audience of financial professionals, we strive to educate and entertain with a combination of expert tips, engaging interviews, and real-life storytelling. AFCPE® ensures the highest integrity of the financial counseling profession by certifying, connecting, and supporting diverse professionals. Our comprehensive programs, the AFC® (Accredited Financial Counselor®) and FFC® (Financial Fitness Coach), represent the gold standard of financial counseling and coaching certifications. And our membership community offers a place to share best practices, solve similar struggles, and access tools and resources that advance your career and enable you to better serve your clients.
Let’s get brunch: Food & Financial Equality with Pamela Capalad, AFC®, and Dyalekt
What do hip-hop pedagogy and brunch have to do with breaking down the racial wealth divide? We found out in this episode of Real Money, Real Experts.
Co-hosts Rebecca Wiggins and Dr. Mary Bell Carlson speak with Pamela Capalad, CFP®, AFC®, founder of Brunch & Budget, and Dyalekt, Host of the Brunch & Budget Podcast, Workshop MC, and See Change MC.
Brunch & Budget is a financial planning program created to give everyone safe, friendly, and affordable places to talk about money and make real financial progress. In this interview, the group discusses why financial coaches and counselors need to understand the systematic challenges faced by clients of color, how these challenges impact their relationship with money, and how we can meet our clients where they are through a lens of equity and inclusion.
00:52 Pamela Capalad and Dyalekt Introduction
02:10 Pamela’s Journey to the Field of Finance
04:52 Dyalekt’s Journey & Infusing Music and Art into Financial Literacy
09:16 Origins of Brunch and Budget
13:05 The Racial Wealth Gap
16:28 See Change – Integrating the Racial Wealth Divide into Financial Coaching
19:54 Resources on the Racial Wealth Gap
21:20 Pamela & Dyalekt’s Two Cents
Show Note links:
Get in contact with Brunch & Budget:
Brunch & Budget Website: https://brunchandbudget.com/
Brunch & Budget Podcast: https://brunchandbudget.buzzsprout.com/
Pockets Change Website: http://www.pocketschange.com/
Resources on the Racial Wealth Divide
Race & Wealth Podcast: https://raceandwealth.buzzsprout.com/
Prosperity Now: https://prosperitynow.org/
National Community Reinvestment Coalition (NCRC): https://ncrc.org/
The Color of Money: Black Banks and the Racial Wealth Gap: https://www.amazon.com/Color-Money-Black-Racial-Wealth/dp/0674237471/ref=asc_df_0674237471/?tag=hyprod-20&linkCode=df0&hvadid=312243616995&hvpos=&hvnetw=g&hvrand=4652926880038556144&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9007563&hvtargid=pla-660086380255&psc=1
Color of Law book: https://www.barnesandnoble.com/w/the-color-of-law-richard-rothstein/1124822159
Life Long Learning: Financial Education for All Ages with Ann House, AFC®
In this episode of Real Money, Real Experts co-host Dr. Mary Bell Carlson speaks with Ann House, MS, CPFC, CEPF, AFC®, founder of the Personal Money Management Center, a resource for students at the University of Utah. In 2015, the center received the Outstanding Financial Counseling Center award from AFCPE®.
In the interview, the two discuss Ann's financial education journey, private practice, and having money conversations with your children. Ann's goal is to help students to learn to become savvy consumers every step along the way.
00:24 Ann Introduction
02:01 Ann’s Journey to the field of finance
06:52 Personal Finance and Higher Education
11:00 Development of PowerPay
13:09 Using PowerPay
16:23 Ann’s Private Practice
19:07 Women and Personal Finance
24:04 Teaching your Children About Money
28:21 AFCPE® Awards: Recognizing Excellence
30:34 Ann’s Two Cents
Show Note links:
Power Pay: https://extension.usu.edu/powerpay/
University of Utah’s’ Financial Wellness Center: https://financialwellness.utah.edu/
Ann’s Private Practice: https://annhousefinancialcounselor.com/
AFCPE Awards Nominations: https://www.afcpe.org/career-and-resource-center/awards/
Going for Gold with Lauryn Williams
In this episode of Real Money, Real Experts co-hosts Rebecca Wiggins and Dr. Mary Bell Carlson talk with 2-time Olympic gold medalist Lauryn Williams. After her Olympic career in both track and field and bobsledding, Lauryn founded Worth Winning, offering virtual services to help young professionals navigate the world of finance.
Now both a CFP® and AFC®, Lauryn takes us through her journey from track and field to the field of finance. Lauryn offers great insights on learning from your mistakes, becoming a business owner, and how to be your true authentic self no matter where life takes you.
00:52 Lauryn Introduction
01:32 Lauryn’s Journey to the Olympics
5:06 From Olympian to CFP® & AFC®
09:55 Developing her Private Practice Services
13:17 Lessons of being a Small Business Owner
20:43 Lauryn’s Two Cents
Show Note Links:
Worth Winning Website: https://www.worth-winning.com/
Lauryn’s speaking & book website: https://www.lauryn-williams.com/
Listen to Lauryn's Podcast, Worth Listening: https://podcasts.apple.com/us/podcast/worth-listening/id1330634046?ls=1&mt=2
Social Media for Worth Winning:
Social Media for Lauryn Williams:
Jen Hemphill: Why Her Dinero Matters
In this week’s episode of Real Money, Real Experts co-hosts Rebecca Wiggins and Dr. Mary Bell Carlson talk to award-winning podcaster and AFC® Jen Hemphill. Jen has devoted her career to helping women feel like the queen of their financial lives, and is committed to helping Latinas across the US find financial freedom.
The three discuss Jen’s journey from military spouse to AFC®. Covering important topics like building a private practice, defining your niche, and having multiple streams of income, Jen openly shares her journey and the mistakes that she made along the way. Jen also touches on the important ways that culture impacts our money decisions. Tune in to learn more about Jen’s experiences, and to gain a new perspective to better support your clients.
00:52 Jen Introduction
05:09 Jen’s Journey to Personal Finance
12:05 Building her Private Practice
16:22 Finding your Niche
19:14 Finances and the Latinx Community
25:27 Growing your Business & Having Multiple Sources of Income
32:54 Writing and Self-Publishing Her Dinero Matters
38:02 Your Two Cents
Show Note Links:
Get in Contact with Jen!
Instagram: https://www.instagram.com/jenhemphill/ & https://www.instagram.com/herdineromatters/
Linked In: https://www.linkedin.com/in/jenhemphill/
Money as You Grow resource for parents: https://www.consumerfinance.gov/consumer-tools/money-as-you-grow/
Her Dinero Matters: https://jenhemphill.com/book
Resources for Inclusion of Latinx Community: https://drive.google.com/file/d/1zNIvlgiqgusYVlri9XRCW1GX5_j0mL7S/view?usp=sharing
FINRA Foundation Military Spouse Fellowship for the AFC(R): https://www.afcpe.org/career-and-resource-center/finra-foundation-military-spouse-fellowship/
AFCPE Membership: https://www.afcpe.org/membership/
Demystifying Credit with Experian’s Rod Griffin
What’s the difference between a credit report and a credit score?
Can COVID-19 have an impact on my score?
How often should I be checking my credit?
You've got credit scores and we have answers! On this week’s episode of Real Money, Real Experts. Co-hosts Rebecca Wiggins and Dr. Mary Bell Carlson dig deep into all things credit. With guest Rod Griffin, Senior Director of Consumer Education and Advocacy for Experian, they talk through what every consumer should know about credit and how to help counsel clients through issues.
00:52 Rod Introduction
3:58 History of Experian and the Big Three (Credit Agencies)
7:50 Difference between US Credit Industry and the Credit Industry Abroad
10:38 Differences Between a Credit Score and a Credit Report
12:24 Good Credit Score and its Impact on your Financial Wellness
15:05 Common Myths about Credit
20:00 Checking your Credit Report
22:49 Using Experian Boost with your Clients
25:39 Identity Theft
29:43 Filing a Dispute
Credit Repair Kit for Dummies-5th edition : https://www.wiley.com/en-us/Credit+Repair+Kit+For+Dummies%2C+5th+Edition-p-9781119771067
Rod is donating any proceeds he receives to nonprofits that promote financial education and financial inclusion
History of Experian: https://www.experianplc.com/media/1323/8151-exp-experian-history-book_abridged_final.pdf
Free credit report through Experian: https://www.experian.com/consumer-products/free-credit-report.html
Annual Credit Report.com: Get 1 free credit report each year from all 3 credit reporting agencies (weekly during the pandemic): https://www.annualcreditreport.com/index.action
Experian Boost: https://www.experian.com/boost
File Fraud Report: https://www.experian.com/fraud/center.html
Filing a dispute via Experian: https://www.experian.com/disputes/main.html'
Connect with Experian: Twitter or on Instagram
Connect with Rod: Twitter or on LinkedIn
Ways to connect with Experian via credit chats and education: www.experian.com/crediteducation
AFCPE Education and Training:
Building Health, Wealth, and Defining your Value
In this episode of Real Money, Real Experts, Rebecca and Dr. Mary Bell Carlson talk with Simple Wealth Author, Holly Morphew about the connection between health and wealth. Having experienced chronic illness themselves both Mary and Holly reflect on what they've learned and how to apply it to financial well-being today.
For many families impacted by COVID-19 whether it be a job loss or falling ill themselves, the financial implications were a first-time experience. Listen in as the women talk through how to not only be financially prepared but how to support your overall health during difficult times. Holly also talks about how to coach clients through different experiences in their lives and helping them see the correlation between finances, needs, and values to create abundance.
00:52 Holly Introduction
01:41 The correlation between health and wealth
08:39 The role of the pandemic
10:03 Making the most of your resources
11:42 Defining value
14:07 Becoming an AFC®
19:31 Private practice and coaching
25:02 Three ways to create wealth
31:39 Simple Wealth
35:38 Key Resources
Show Note Links:
Financial Impact: https://www.financialimpact.com/
Connect with Holly: Instagram
Simple Wealth: https://www.amazon.com/Simple-Wealth-Practical-Transform-Relationship-ebook/dp/B08TYW2JT3
Real Experts is Right!
I’ve learned so much from this podcast! I’m studying to become an AFC and this show keeps me focused and motivated. Keep up the great work!
My new favorite podcast!
It is a great show with wealth of information! Each and every episode has a lot to offer for financial professionals.
Great Podcast for Anyone
This is a great podcast for anyone, regardless of where you are in your financial journey.