Real Money, Real Experts

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.    Show Notes:00:24 Ann Introduction02:01 Ann’s Journey to the field of finance06:52 Personal Finance and Higher Education11:00 Development of PowerPay13:09 Using PowerPay16:23 Ann’s Private Practice19:07 Women and Personal Finance24:04 Teaching your Children About Money28:21 AFCPE® Awards: Recognizing Excellence30:34 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/EMAIL: ahouse@sa.utah.eduWant to get involved with AFCPE®?Here are a few places to start: Become a Member, Sign up for an Essentials Course, or Get AFC Certified today!Want to support the podcast? We love partnering with organizations that share our mission and values. Download our media kit.

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. Show Notes:00:52 Lauryn Introduction01:32 Lauryn’s Journey to the Olympics5:06 From Olympian to CFP® & AFC®09:55 Developing her Private Practice Services 13:17 Lessons of being a Small Business Owner20:43 Lauryn’s Two CentsShow 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=2Social Media for Worth Winning:Instagram: @worthwinningFacebook: @worthwinningfpLinkedIn: @worth-winningTwitter: @worth_winningSocial Media for Lauryn Williams:Instagram: @lauryncwilliamsFacebook: @LaurynWilliamsOfficialLinkedIn: @lauryn-williamsTwitter: @LaurynCwilliamsWant to get involved with AFCPE®?Here are a few places to start: Become a Member, Sign up for an Essentials Course, or Get AFC Certified today!Want to support the podcast? We love partnering with organizations that share our mission and values. Download our media kit.

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. Show Notes:00:52 Jen Introduction05:09 Jen’s Journey to Personal Finance12:05 Building her Private Practice16:22 Finding your Niche19:14 Finances and the Latinx Community 25:27 Growing your Business & Having Multiple Sources of Income32:54  Writing and Self-Publishing Her Dinero Matters 38:02 Your Two CentsShow Note Links:Get in Contact with Jen! Website: https://jenhemphill.com/Podcast: https://jenhemphill.com/her-dinero-matters-podcast/Twitter: https://twitter.com/jenhemphilllFacebook: https://www.facebook.com/moneywithjen/ Instagram: https://www.instagram.com/jenhemphill/ & https://www.instagram.com/herdineromatters/ Linked In: https://www.linkedin.com/in/jenhemphill/ResourcesMoney as You Grow resource for parents: https://www.consumerfinance.gov/consumer-tools/money-as-you-grow/Her Dinero Matters:  https://jenhemphill.com/bookResources for Inclusion of Latinx Community: https://drive.google.com/file/d/1zNIvlgiqgusYVlri9XRCW1GX5_j0mL7S/view?usp=sharingFINRA 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/Want to get involved with AFCPE®?Here are a few places to start: Become a Member, Sign up for an Essentials Course, or Get AFC Certified today!Want to support the podcast? We love partnering with organizations that share our mission and values. Download our media kit.

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.Show Notes:00:52 Rod Introduction3:58 History of Experian and the Big Three (Credit Agencies)7:50 Difference between US Credit Industry and the Credit Industry Abroad10:38 Differences Between a Credit Score and a Credit Report12:24 Good Credit Score and its Impact on your Financial Wellness15:05 Common Myths about Credit20:00 Checking your Credit Report22:49 Using Experian Boost with your Clients25:39 Identity Theft29:43 Filing a Dispute Show Notes:Credit Repair Kit for Dummies-5th edition : https://www.wiley.com/en-us/Credit+Repair+Kit+For+Dummies%2C+5th+Edition-p-9781119771067Rod is donating any proceeds he receives to nonprofits that promote financial education and financial inclusionHistory 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.htmlAnnual 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.actionExperian Boost: https://www.experian.com/boostFile Fraud Report: https://www.experian.com/fraud/center.htmlFiling a dispute via Experian: https://www.experian.com/disputes/main.html'Connect with Experian: Twitter or on InstagramConnect with Rod: Twitter or on LinkedIn Ways to connect with Experian via credit chats and education: www.experian.com/crediteducation#CreditChat (ex.pn/creditchat)#CreditChatLive (ex.pn/creditchatlive)AFCPE Membership: https://www.afcpe.org/membership/AFCPE Education and Training: https://www.afcpe.org/education-and-training/Want to get involved with AFCPE®?Here are a few places to start: Become a Member, Sign up for an Essentials Course, or Get AFC Certified today!Want to support the podcast? We love partnering with organizations that share our mission and values. Download our media kit.

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. Show Notes:00:52 Holly Introduction01:41 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 wealth31:39 Simple Wealth35:38 Key ResourcesShow Note Links:Chime: https://www.chime.com/Aspiration: https://www.aspiration.com/Financial Impact: https://www.financialimpact.com/Connect with Holly: InstagramSimple Wealth: https://www.amazon.com/Simple-Wealth-Practical-Transform-Relationship-ebook/dp/B08TYW2JT3AFCPE Membership: https://www.afcpe.org/membership/Want to get involved with AFCPE®?Here are a few places to start: Become a Member, Sign up for an Essentials Course, or Get AFC Certified today!Want to support the podcast? We love partnering with organizations that share our mission and values. Download our media kit.

In this Facebook Live, co-hosts Rebecca and Dr. Mary Bell Carlson interview with two Military Spouse Fellows, Shay Cook of Crusaders4Change and Jen Hemphill. Shay and Jen share their experience applying for the Military Spouse Fellowship, how earning the AFC® certification impacted their careers, and answer audience questions about the program. *Note this episode was pre-recorded during a live event on March 16th. Want to get involved with AFCPE®?Here are a few places to start: Become a Member, Sign up for an Essentials Course, or Get AFC Certified today!Want to support the podcast? We love partnering with organizations that share our mission and values. Download our media kit.

In this episode of Real Money, Real Experts, we get a deeper dive into the tools and resources developed by Dr. Sarah Fallaw, Co-Author of The Next Millionaire Next Door.  Fallaw has spent her career rooted in data and furthered research based on her father's original best-selling book The Millionaire Next Door. The tools and research built by her company, DataPoints provide financial professionals with behavioral assessments to help clients understand their financial competencies. Listen along as Rebecca and Mary talk with Sarah on how to get research into practice. Show Notes:00:50 Sarah Intro03:03 Sarah's Road to the Field of Finance04:14 Understanding personalities of financial clients08:31 Focus on research to achieve results 13:27 Integrating tools and technology 14:24 Meeting Oprah17:50 Your Two CentsShow Note Links:DataPoints LLC: https://www.datapoints.com/Resources:The Next Millionaire Next Door:The Millionaire Next Door: https://www.amazon.com/Millionaire-Next-Door-Surprising-Americas/dp/1589795474Influence by Robert Cialdini: https://www.amazon.com/Influence-Psychology-Persuasion-Robert-Cialdini/dp/006124189XAFCPE Membership: https://www.afcpe.org/membership/Want to get involved with AFCPE®?Here are a few places to start: Become a Member, Sign up for an Essentials Course, or Get AFC Certified today!Want to support the podcast? We love partnering with organizations that share our mission and values. Download our media kit.

It's America Saves Week! Leading up to America Saves Week (February 22nd- 26th) and Military Saves Month (April) Rebecca and Mary meet with Kia Young, Director of Communication for America Saves, and Lila Quintiliani, Senior Program Manager for Military Saves. The two guests share their path to saving and what they've learned along the way.Lila and Kia also share important resources for financial professionals and their clients. Whether it's getting involved during America Saves Week or Military Saves Month, the resources they share can be applied any time of year and tailored to fit each individual client's needs.Show Notes:00:50 Kia and Lila Intro 03:22 About America Saves 05:32 Financial Counselors and America Saves Week06:41 Military Saves 10:07 Why Automatic Save? 12:02 AFCPE + America/Military Saves 13:17 Town Hall Results  19:34 Your Two Cents Show Note Links:FINRA Spouse Fellowship: https://www.afcpe.org/career-and-resource-center/finra-foundation-military-spouse-fellowship/Military Saves: https://militarysaves.org/Military Saves Toolkit: https://militarysaves.org/organizations/military-saves-month/military-saves-month-2021-digital-toolkitAmerican Saves Week Digital Toolkit: https://americasavesweek.org/america-saves-week-digital-toolkit-2021/Tips For Spending Your Stimulus Check: https://americasaves.org/blog/1750-4-steps-to-spending-your-stimulus-check-wisely-when-you-don-t-have-an-emergency-fundSplit to save: https://splittosave.org/Resources:AFCPE Free Financial Coaching: https://www.afcpe.org/free-financial-counseling-or-coaching/AFCPE Membership: https://www.afcpe.org/membership/Find an AFC professional:https://www.afcpe.org/find-an-afcpe-certified-professional/Want to get involved with AFCPE®?Here are a few places to start: Become a Member, Sign up for an Essentials Course, or Get AFC Certified today!Want to support the podcast? We love partnering with organizations that share our mission and values. Download our media kit.

Following up on last month's episode with Axton-Betz Hamilton, this special edition episode focuses on identity theft and cybersecurity. Cyber Security specialist John Sileo joins Real Money, Real Experts co-hosts Rebecca Wiggins and Dr. Mary Bell Carlson to talk about how he personally was a victim of identity theft and why he's so passionate about helping others.John is a Harvard graduate, award-winning author, and a nationally renowned speaker who's appeared on Rachel Ray, Anderson Cooper, Dr. Oz, and Fox and friends. He is also a frequent contributor to USA Today, The Washington Post, and Kiplinger. John is now the CEO of the Sileo Group, which is a high tech think tank.  Show Notes:00:52 Intro John Sileo02:17 John's path to cybersecurity 04:43 Cybersecurity crimes in John's personal life15:06 Cybertheft effects on personal relationships17:10 Top tips to protect against identity theft20:53 Identify theft and the pandemic23:25 Identity theft insurance25:54 Tips for financial counselors and coaches27:59 Your Two Cents Show Note Links:Connect with John:Sileo.comFacebookLinkedInYoutubePassword Manager Options:https://1password.com/https://www.dashlane.com/Credit Freeze with all 3 credit bureaus: https://www.consumer.ftc.gov/articles/0497-credit-freeze-faqsTurn on two-factor authentication for anything online if possible: financial, investment, email, etc.: https://www.investopedia.com/terms/t/twofactor-authentication-2fa.aspUse Password Managers:https://www.pcmag.com/picks/the-best-password-managers Recommend: https://www.dashlane.com, https://1password.com/ Credit Monitoring: https://www.annualcreditreport.comIdentity Theft Insurance: Can buy through your homeowner’s insurancehttps://www.ftc.gov/coronavirus/scams-consumer-advice AFCPE Membership: https://www.afcpe.org/membership/Find an AFC professional: https://www.afcpe.org/find-an-afcpe-certified-professional/Want to get involved with AFCPE®?Here are a few places to start: Become a Member, Sign up for an Essentials Course, or Get AFC Certified today!Want to support the podcast? We love partnering with organizations that share our mission and values. Download our media kit.

In this Facebook live recording, Real Money, Real Expert co-hosts Dr. Mary Bell Carlson and Rebecca Wiggins talk through highlights of past episodes and take listener questions live on Facebook.*Note this episode was pre-recorded during a live event on January 19th. Want to get involved with AFCPE®?Here are a few places to start: Become a Member, Sign up for an Essentials Course, or Get AFC Certified today!Want to support the podcast? We love partnering with organizations that share our mission and values. Download our media kit.