How to Money Pulling the Most Powerful Money Levers w/ Professor Kristen Carioti #1043
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Oct 1, 2025 In this discussion, Professor Kristen Carioti, a personal finance expert and author, shares her mission to elevate financial literacy among students. She emphasizes how making personal finance a graduation requirement at Mount Mary University meets students’ eagerness to learn. Topics include the importance of budgeting as a 'plan', teaching investment strategies for young adults, and the need to unlearn harmful financial habits. Kristen also warns against predatory financial products and promotes lifelong money learning through practical tools.
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Begin With Fundamentals And Unlearn Myths
- Start financial teaching from fundamentals and unlearn bad myths imported from parents or social media.
- Teach practical steps like opening a credit card responsibly and using it just for gas then paying it off each month.
Mindset Is A Core Money Lever
- Mindset matters: students must learn negotiation, risk attitudes, and compounding to change outcomes.
- Behavioral finance and growth mindset lessons help students act rather than avoid financial problems.
Professor's Own Money Mistakes
- Kristen shares her money mistakes like buying a house before the 2006 crash and delaying Roth contributions.
- She uses personal mistakes in class to normalize learning from errors and resetting finances.
