59 episodes

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.

Real Money, Real Experts AFCPE®

    • Business
    • 5.0 • 20 Ratings

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.

    Exploring the Differences Between Financial Therapy, Counseling, and Planning with Dr. Kristy Archuleta and Dr. Sonya Lutter

    Exploring the Differences Between Financial Therapy, Counseling, and Planning with Dr. Kristy Archuleta and Dr. Sonya Lutter

    Financial planning, financial counseling, and financial therapy are separate but complementary financial services designed to support clients' financial goals and well-being. But how do you know which service you, or your client, needs at any given moment? In this episode, we're joined by two leaders in the financial therapy space, Kristy Archuleta & Sonya Lutter.
    Kristy and Sonya share their research, knowledge, and experience across financial services to help our listeners answer this question and more. We talk about creating boundaries, knowing limitations, and, most importantly, building a strong referral network in order to best serve our clients.

    Show Notes:
    1:48 Planning vs. counseling vs. therapy
    6:34 Do you need to be certified to practice Financial Therapy?
    12:41 All about dual designations
    15:15 Building a strong referral network 
    18:31 Into their research and major findings
    22:21 Where to find their research
    26:09 Final 2 cents
    Show Note Links:
    Financial Therapy Association 
    Become a Financial Therapist or Find a Financial Therapist
    Video from Meghan Lurtz on updates for certification in financial therapy
    Conference & connection with the Financial Therapy Association

    • 32 min
    A Deep Dive Into Student Loans and the PSLF with Rita Green, Ed.D. AFC®

    A Deep Dive Into Student Loans and the PSLF with Rita Green, Ed.D. AFC®

    This week, we're talking all about student loans with Rita Green, Ed.D. AFC®. Rita is an AFCPE board member and new author of How to Survive a Personal Financial Pandemic. In this episode, we dive straight into the Public Student Loan Forgiveness (PSLF) program and all of its requirements,  how you may be able to take advantage of the waiver by October, and many more insights on all types of student loans.

    Regardless of whether you're listening for yourself or learning more for your clientele, Rita is a natural educator who provides incredible insights into the world of loans and navigating them during this time. Take a listen, and then take action!

    Show Notes:
    1:38 Rita's background story
    2:29 How Rita discovered the AFC® certification
    4:05 What is the PSLF program?
    5:20 Who is considered "public service"?
    9:08 What if your loans are older and you've been paying them for a while?
    11:39 Advice for recent graduates
    12:56 Resources Rita can share with us
    16:23 Where to go if your situation is a bit more complicated
    17:25 Types of student loans
    20:26 Into Rita's book and surviving a "personal financial pandemic
    28:22 What the AFC® means to Rita
    32:52 Rita's final 2 cents

    Show Note Links:

    Public Service Loan Forgiveness (PSLF)
    Determine if your employer qualifies for PSLF
    Temporary Expanded Public Service Loan Forgiveness (TEPSLF) Summary of Changes
    Submit a Request for PSLF Reconsideration
    PSLF Help Tool
    Dr. Green’s website & book
    #AFCPE22 in Orlando, FL
    Start earning your AFC® or become a Member!

    • 38 min
    Meeting People Where they Are with Dr. Kate Mielitz, AFC®

    Meeting People Where they Are with Dr. Kate Mielitz, AFC®

    This week we are joined by Dr. Kate Mielitz, AFC®. Kate joined the AFCPE staff in 2022 as the Special Programs Manager, but has been an AFC and a passionate member of the AFCPE community for many years. In this episode, Kate gives our listeners a candid look at how she got to where she is today – we love seeing how all the disparate pieces come together to create change and impact.

    We talk about the importance of offering personal financial planning students the opportunity to earn the AFC, and the value of financial counseling within the personal finance space. Kate addresses the shame that oftentimes exists for people around personal finance, and reminds us of how important it is to share our stories and normalize our mistakes. As an educator, Kate is passionate about meeting people where they are, putting the person first, and teaching them to use money as a tool.

    Show Notes
    3:09 Kate shares her story
    7:57 Kate's transition from Academia to her current role at AFCPE
    9:46 Registered Education Programs and why personal finance education is critical for college students
    17:21 Kate's work with incarcerated populations
    20:45 The value of AFCPE Membership
    24:49 Why everyone should attend the AFCPE Symposium
    27:35 Kate's Final Two Cents

    Show Note Links
    Follow Kate on LinkedIn
    Follow Kate on Twitter
    Follow Kate on TikTok
    Learn more about the Military Spouse Fellowship
    #AFCPE22 in Orlando, FL
    AFCPE Registered Education Programs
    Start earning your AFC® or become a Member!

    • 29 min
    Providing Real Value in your Business with The Budget Mom, Kumiko Love, AFC®

    Providing Real Value in your Business with The Budget Mom, Kumiko Love, AFC®

    Download the transcript here.

    On this week’s episode, Mary and Rachael had the privilege to sit down with Accredited Financial Counselor®, Kumiko Love, more widely known as The Budget Mom. Kumiko is as authentic as they come. She openly shares her own money story, what led her to start The Budget Mom, and what she’s learned along the way. We dig into imposter syndrome, the power of community, the importance of niching down (spoiler alert: one person can’t help everyone), and setting boundaries.

    Miko offers excellent insights on grassroots marketing and reminds us that the secret to building a thriving business is to lead with your values. Whether you’re a budding entrepreneur or simply someone who is passionate about helping people with their money to improve their lives, this conversation is one you don’t want to miss.
    Show Notes
    1:26 Kumiko's money story
    6:04 How she used her journey to help others
    11:30 Kumiko's big Aha! moment
    15:26 When Kumiko decided to get the AFC®
    20:23 Her tips for starting your own community
    25:51 How she finds balance
    32:56 Miko's final 2 cents

    Show Note Links
    TheBudgetMom.com
    Kumiko's LinkedIn
    My Money, My Way book
    Kumiko on Good Morning America
    #AFCPE22 in Orlando, FL
    Start earning your AFC® or become a Member!

    • 39 min
    Military Financial Readiness and the AFC® with Mike Wood

    Military Financial Readiness and the AFC® with Mike Wood

    This week on Real Money, Real Experts, Mary and Rachael catch up with longtime AFC® and AFCPE® Member, Mike Wood. Mike shares the story of how the AFC became the standard for Personal Financial Managers (PFM) on military bases across the globe.

    Mike has the heart of a counselor, and we loved hearing about both the rewarding and challenging aspects of his career. As a pillar of the military personal finance community, Mike shares fond memories from past Symposiums, and offers some great insight for financial counselors working in all areas of our field. “Enjoy the ride!”

    Show Notes:
    1:33 What led Mike to initially pursuing the AFC
    5:28 How the military became involved in deciding to require AFCs
    9:31 What does the AFC do differently than other designations?
    10:58 Mike's most exciting memories in the personal finance field
    13:31 The challenges Mike faced
    16:20 Mike's advice with setting realistic expectations about your career
    23:52 Mike's final 2 cents

    • 29 min
    Key Takeaways from CFPB's Financial Coaching Initiative with Pam Fraser, AFC® and Sarah Bainton Kahn

    Key Takeaways from CFPB's Financial Coaching Initiative with Pam Fraser, AFC® and Sarah Bainton Kahn

    Celebrating 30 years of the AFC® means celebrating the incredible impact it has made over the years! This week we had the pleasure to speak with Sarah Bainton Kahn and Pam Fraser, two women who played instrumental roles in the success of the CFPB’s Financial Coaching Initiative, which ran from 2015 to 2019. The initiative provided financial coaching services to veterans as well as individuals and families in economically vulnerable communities and uniquely set a high standard by requiring that all coaches held both the Accredited Financial Counselor® (AFC®) and the Financial Fitness Coach (FFC®) designations.
    In our conversation, Sarah and Pam fondly reminisce about the program – sharing the missteps, the successes, and the impact. They talk about the importance of meeting clients where they are, building relationships, and finding your champions. This episode is full of great insight and we hope it will inspire more programs like this one in the years to come.  

    Show Notes:
    2:13 How this initiative with CFPB came to be
    4:55 How this program served the community
    7:41 Key aspects of the program that made it successful
    16:59 Learning takeaways and improvements for the program
    22:04 Advice for organizations looking to use this model
    25:18 Pam and Sara's final two cents

    Show Note Links:
    Email Sarah or Connect on Linkedin
    Email Pam or Connect on Linkedin
    CFPB Report: Read Here
    CFPB Homepage
    FFC Certification
    AFC certification
    Guide to Remote Financial Coaching 
    Submit an Invitation to Present by June 3rd!

    • 32 min

Customer Reviews

5.0 out of 5
20 Ratings

20 Ratings

BribBrib ,

Great show!

Great show. The guests and content are well thought out and informative. Thank you!

1asb ,

Up to Date

I very much enjoy topics and the engaging guests. The knowledge each one of them share is very applicable in not only financial decisions but in relationships as well.

AHro827 ,

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!

Top Podcasts In Business

Ramsey Network
NPR
iHeartPodcasts
Guy Raz | Wondery
Andy Frisella #100to0
Jocko DEFCOR Network

You Might Also Like

SUCCESS Magazine
Kiplinger
Cadence13
Jean Chatzky Her Money
Michael Kitces, MSFS, MTAX, CFP and Carl Richards, CFP
Ramit Sethi