62 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 • 27 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.

    The Founding of AFCPE® and Looking to the Future with Bill Gustafson

    The Founding of AFCPE® and Looking to the Future with Bill Gustafson

    In this week's episode of Real Money, Real Experts, our hosts speak with Bill Gustafson, who is a professor emeritus in the Personal Financial Planning Department at Texas Tech University. He has been educating students and conducting research related to personal finance for over 36 years and helped to create what we now know as the Association for Financial Counseling and Planning Education.

    Bill takes us back to the very first meeting where AFCPE®  was named and dives into the importance of recognizing the human side of finance vs. the business side, and how to best bridge the two in your work. In this episode, we are reminded of the importance of telling the stories about the people that make a difference along the way, and documenting it for future generations to come. Tune in for an inspiring episode into Bill's broad perspective of the finance profession as a whole.
    Throughout his career he has been honored with Texas Tech’s President's Excellence in Teaching Award; the College of Human Sciences Helen Burleson Service Award; and the Department of Personal Financial Planning Visionary Award

    Show notes:
    2:01 Bill's start in the field
    3:42 How he got connected to the financial counseling world
    5:02 Bill and Dr. Jerry Mason
    8:52 College of Human Sciences and its importance in finance
    13:23 Diving into the archives project
    15:45 Bill's final 2 cents

    Show note links:
    Texas Tech’s School of Financial Planning
    Southwest Collections at TTU
    Register for Symposium!
    Email Bill

    • 25 min
    The Power of Mentorship and Capturing the Voices of Counseling with Dr. Dottie Durband, AFC®

    The Power of Mentorship and Capturing the Voices of Counseling with Dr. Dottie Durband, AFC®

    This week on Real Money, Real Experts, we are joined by Dorothy "Dottie" Durband,  who is known to many as the "Godmother of Financial Counseling." Dottie is the associate dean for academics and faculty and a professor of personal financial planning in the College of Human Sciences at Texas Tech University. She's been an Accredited Financial Counselor for over 20 years and is an esteemed member and mentor in both the AFCPE community and the field of finance as a whole.

    In our 60th episode, Dottie shares her greatest takeaways from the field of personal finance as a whole, including great insights into how she pioneered one of the first major student financial literacy initiatives at Texas Tech titled 'Red to Black'.  Dottie and Mary also chat about The Financial Counseling Archives Project that is currently underway, and how the most influential voices of the finance sector are getting to have their stories told. Tune in for a conversation that'll leave you feeling inspired!

    Show notes:

    2:02 How she began her career in personal finance
    3:24 Consumer Credit Counseling Service
    4:43 Dottie's student financial literacy initiative @ Texas Tech
    6:49 How does this program help?
    8:15 How its inspired other programs
    9:11 Mentorship advice
    11:10 Dottie's advice for those entering the finance space
    12:27 The Financial Counseling Archives Project
    16:21 What Dottie would tell someone who's considering becoming an AFC
    18:05 Advising and guiding students
    22:39 Dottie's final 2 cents
     

    Show Note Links
    Dottie’s LinkedIn Red to Black programAFC CertificationBecome or Get a MentorTexas Tech University School of Financial Planning

    • 27 min
    Empathy and the Art of Listening with Dr. Michael G. Thomas, Jr.

    Empathy and the Art of Listening with Dr. Michael G. Thomas, Jr.

    This week on Real Money, Real Experts we catch up with Dr. Michael G. Thomas, Jr., AFC®.  Michael is a lecturer at the University of Georgia, the founder of Modom Financial Solutions, a co-founder of the Financial Behavior Keynote Group, and a member of the AFCPE Board of Directors. Dr. Thomas’ life-long goal is to help underserved communities establish, grow, and sustain their wealth utilizing an intra and inter-family wealth creation process.
    Michael is a gifted speaker, a natural educator, and a thought leader on the importance of keeping empathy, listening, and compassion at the heart of financial counseling and planning. In this episode, Michael shares how stepping into the role of learner – and really listening to our clients – can make all the difference in helping someone move forward in their financial journey.
    You’ll also get a sneak peek of his new book, Black Financial Culture: Building Wealth from the Inside Out, available this year. The book is designed to empower people to take bold action, to become lifelong learners, and to understand that they have the capacity to own their financial experience.

    Show Notes:
    1:47 What's new with Michael
    6:18 Financial empathy during COVID-19
    8:13 Why empathy is critical when working in financial services
    15:14 How to set the tone for your clients by building trust in your community
    23:21 What we get wrong about listening
    27:37 Michael shares about his upcoming book, Black Financial Culture: Building Wealth from the Inside Out
    33:03 How Michael found the AFC and AFCPE
    40:07 Michael shares his 2 cents
    Show Note Links:
    Michael’s coaching company: https://www.modomsolutions.com/
    Book Michael for an event: https://keynote.financial/michael-g-thomas-jr/
    Follow & Connect with Michael at: 
    LinkedIn: https://www.linkedin.com/in/MoneyandWellness/Twitter: https://twitter.com/ModomSolutionsInstagram: https://www.instagram.com/modomsolutions/TikTok: https://www.tiktok.com/@modomsolutions

    • 46 min
    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

Customer Reviews

5.0 out of 5
27 Ratings

27 Ratings

Louie 2022 ,

5 stars!

The podcast series provides relevant and timely information that benefits my work as a financial counselor. Great podcast to stay up to date on key topics.

Get Your Biz In Order ,

Great Show!

Great show and helpful information for me as a financial coach!!! 5 Stars and more!!!

gingrtea ,

Solid professionalism in personal finance

This is a must-follow podcast for anyone providing coaching and education in personal finance. Hosts and guests bring thoughtful, diverse expertise and depth to each topic.

You Might Also Like

Jean Chatzky Her Money
CNET
iHeartPodcasts
Michael Kitces, MSFS, MTAX, CFP and Carl Richards, CFP
StackingBenjamins.com | Cumulus Podcast Network
Roger Whitney, CFP®, CIMA®, RMA, CPWA®, AIF®