Real Money, Real Experts

We’re kicking off 2023 with award-winning journalist and the founder and CEO of HerMoney Media, Jean Chatzky!In this episode, Jean shares her journey into journalism and personal finance and discusses the importance of building camaraderie and accountability when talking about money. We learn more about her coaching programs FinanceFixx and InvestingFixx and why she values the AFC. Jean leaves us with great advice that is applicable to personal finance but also for any goals you may be setting in the new year! Show Notes:1:38 How Jean got started8:12 Jean's PBS show: Opportunity Knocks8:59 Why she recommends the AFC11:15  FinanceFixx and InvestingFixx 15:14 Suggestions for women getting started with organizing their finances19:01 Jean's final 2 centsShow Note Links:Follow @JeanChatzky and @HerMoneyMediaJean is hiring part-time coaches! Send her an email or connect at jean@hermoney.comFinance FixxHer MoneyInvesting FixxOpportunity KnocksOpportunity FindersWant 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 the final episode of this season, Mary and Rachael are joined by AFCPE’s Board President, Michele Godfrey, AFC®. Two weeks ago, we kicked off the 2022 AFCPE Symposium with a trip down memory lane – celebrating where we’ve been and where we’re going as we wrap up celebrations for the #30YearsofAFC. In this episode, we’ll recap some of the highlights from our opening general session, answer your questions about the organization, and share our favorite moments from #AFCPE2022.This episode was live-streamed on Youtube on November 22nd, 2022.Transcript and Show Notes:1:08 Why focus on the past, present, and future?4:31 What's happening in the world of certification and education10:03 What groups live within the profession?14:18 What can someone get out of membership?24:43 What's next with the AFCPE Pro Bono Program?27:54  Thoughts for those wanting to get into private practice32:28 Outgoing remarks from Board President MicheleShow Note Links:Annual ReportDownload Symposium RecordingsWant 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.

This week, we're speaking with joint #AFCPE2022 keynote speakers from the FINRA foundation: Ritta McLaughlin,  the Director of Investor Education Community Outreach & Olivia Valdes, Senior Research Analyst. In this episode, we dive into trends across multiple areas of the market such as the idea of intergenerational wealth and its contribution to massive wealth gaps, and the importance of truly understanding the nuances of the populations we study.Tune in for more impactful, data-driven takeaways from the FINRA National Financial Capability study and listen to the full presentation at #AFCPE2022--register to attend virtually today!Show Notes:2:20 Into the FINRA National Financial Capability Study14:53 Market participation across race and ethnicity18:16 Gender investing trends19:53 How can we impact this challenge and become a more inclusive market?31:18 Fun facts!34:56 Ritta and Olivia's final 2 centsShow Note Links:Connect with FINRA on LinkedIn, Twitter, Facebook,or Contact 2021 NFCS Report Bridging the Divide Interact with the DataWant 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, we sit with Jason Craige Harris, a voice for healing and transformation who works across communities and organizations to promote dignity, belonging, and compassion. Jason is also one of our keynote speakers at the 2022 AFCPE Symposium this November.Jason takes us through the importance of building genuine empathy with others and the need for a Revolution of Compassion. Learn more about what that looks like by tuning in, and attending Jason’s full presentation at #AFCPE2022. Register today!Show Notes:2:50 How Jason got into this work7:27 When Jason knew he wanted to make change10:34 His keynote topic and how it will relate to AFCPE professionals15:29 Strategies for being less judgmental and more empathetic18:24 Jason’s final 2 centsShow Note Links:Connect with Jason on LinkedinJason and Perception StrategiesSusan Finke’s Nature of PrejudiceWant 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, we get to know Robin Hauser: an award-winning documentary filmmaker and a keynote speaker at the 2022 AFCPE Symposium. Her film, $avvy, was inspired by her own personal experience with money. It led her to wonder, why do women tend to abdicate major financial decisions to someone else (often the man in their life)? And why is that so dangerous?Our hosts and Robin talk about the power of storytelling and its ability to eliminate shame and increase empathy. We also address the subtle microaggressions that women face even today, and how we can ensure that women feel included in the personal finance space. Tune in, and don't miss the screening at #AFCPE2022 by registering to attend today.Show Notes:1:58 How Robin got into documentary filmmaking4:40 What to expect during Robin's session6:30 How counselors can utilize video to spread their impact8:55 What is the likability dilemma11:39 Increasing women in a male-dominated industry15:31 Robin's 2 centsShow Note Links:$avvy documentaryRobin's Ted Talk: Likability DilemmaUBS Study that Robin referenced regarding women believing men know more about moneyRobin's WebsiteMcKinsey study about the transfer of wealth from men to womenWant 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.

Download the transcript here.This week on Real Money, Real Experts, we're back with Ryan Law, CFP®, AFC®,  a recognized expert in client communication, student loans, financial counseling, and behavior change. He recently served as President of AFCPE, and in 2021 Ryan received the AFCPE Distinguished Fellow Award!In this episode, Ryan takes us through the current state of federal student loans and what to anticipate in the coming months given the recent updates. He also shares a sneak peek of what to expect for his keynote presentation this November and provides practical advice for being change agents in our own lives. Tune in to Ryan's episode for great insights, and secure your ticket to symposium today to catch his full presentation at #AFCPE2022!Show Notes:1:40 Sneak peek of Ryan's symposium keynote presentation9:19 What to know right now for student loans13:09 When might payments restart?14:06 What about direct or FFEL loans?15:06 Why Ryan chose to pursue his AFC®17:19 His first symposium experience18:04 What he most looks forward to at #AFCPE202219:42 Ryan's final 2 centsShow Note Links:Ryan's Website and BlogStudent Aid Connect with Ryan on LinkedInRyan's Financial Behavior Keynote GroupStudent Debt Relief Plan Explained Register for Symposium! The early Bird deadline ends September 30th.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 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 AwardShow notes:2:01 Bill's start in the field3:42 How he got connected to the financial counseling world5:02 Bill and Dr. Jerry Mason8:52 College of Human Sciences and its importance in finance13:23 Diving into the archives project15:45 Bill's final 2 centsShow note links:Texas Tech’s School of Financial PlanningSouthwest Collections at TTURegister for Symposium!Email BillWant 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.

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 finance3:24 Consumer Credit Counseling Service4:43 Dottie's student financial literacy initiative @ Texas Tech6:49 How does this program help?8:15 How its inspired other programs9:11 Mentorship advice11:10 Dottie's advice for those entering the finance space12:27 The Financial Counseling Archives Project16:21 What Dottie would tell someone who's considering becoming an AFC18:05 Advising and guiding students 22:39 Dottie's final 2 cents Show Note LinksDottie’s LinkedIn Red to Black programAFC CertificationBecome or Get a MentorTexas Tech University School of Financial PlanningWant 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.

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 Michael6:18 Financial empathy during COVID-198:13 Why empathy is critical when working in financial services15:14 How to set the tone for your clients by building trust in your community23:21 What we get wrong about listening27:37 Michael shares about his upcoming book, Black Financial Culture: Building Wealth from the Inside Out33:03 How Michael found the AFC and AFCPE40:07 Michael shares his 2 centsShow 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/@modomsolutionsWant 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.

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. therapy6:34 Do you need to be certified to practice Financial Therapy?12:41 All about dual designations15:15 Building a strong referral network 18:31 Into their research and major findings22:21 Where to find their research26:09 Final 2 centsShow Note Links:Financial Therapy Association Become a Financial Therapist or Find a Financial TherapistVideo from Meghan Lurtz on updates for certification in financial therapyConference & connection with the Financial Therapy AssociationWant 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.