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Real Money, Real Experts

Author: AFCPE®

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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.
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In honor of Hispanic/Latinx Heritage Month, we are re-releasing our conversation with Jen Hemphill, AFC®, host of the Her Dinero Matters podcast. This blog post includes additional information on the unique barriers to financial well-being that members of the Latinx community may encounter as well as resources to use with your Latinx clients. In this 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 Community25:27 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/
What does it truly mean to be unbanked or under-banked? What unexpected impacts can it have on the financial security of our clients?We dive into these questions on this eye-opening episode of Real Money, Real Experts with Leigh Phillips, President of SaverLife, a national nonprofit that helps working families achieve prosperity by taking small savings steps. From lack of access to emergency funds to predatory debt traps, Leigh shares the serious barriers to financial stability that come with being unbanked or under-banked and shines light on the steps AFCPE professionals can take to help.Don’t forget, SaverLife will be one of our keynote sessions at our upcoming 2021 AFCPE symposium, sharing powerful stories about the struggles and resilience of those hardest hit by the pandemic. If you enjoyed this episode, you don't want to miss it!Show Notes:00:52 Leigh Introduction01:40 Leigh’s Journey into the Field of Finance05:08 History of Bank on San Francisco08:43 Financial Implications of Being Unbanked or Underbanked11:12 Inspiring Individuals to Start Saving with SaverLife17:50 How just $100 in Savings can Change your Life22:26 Impact of the COVID-19 Pandemic26:04 How AFCPE® Professionals Can Help28:48 Connect to SaverLife & Access Resources Show Note links:Get in contact with Leigh and SaverLife:Twitter: @wearesaverlife and @twoleighpLinkedIn: https://www.linkedin.com/company/saverlifewww.SaverLife.org Resources:www.About.saverlife.org  https://about.saverlife.org/research-posts/finrahttps://joinbankon.org/https://www.fdic.gov/analysis/household-survey/index.htmlhttps://cfefund.org/https://www.hardhit.org/https://www.hardhit.org/datawww.afcpe.org/career-and-resource-center/certification-scholarships/www.afcpe.org/symposium 
Real Money, Real Experts welcomes Ryan Law, CFP®, AFC® for another Facebook Live!  Student loan policies have gone through a lot of changes this past year. Check out this Real Money, Real Experts Live for and overview of these changes and what comes next for borrowers.  Show Notes:00:02 Ryan Introduction01:00 COVID-19 Student Loan Updates02:20 Temporary Suspension of Federal Student Loan Payments & Debt Collections05:36 Temporary 0% Interest on all Federal Student Loans07:13 Getting Ready for Repayment08:45 BIG Update for Approximately 10 Million Borrowers10:40 Public Service Loan Forgiveness12:54 Have Loans with FedLoan or Granite? Take These Steps!14:18 Question from the Audience15:15 Avoiding Student Loan Scams & Reliable Forgiveness Programs21:27 AFCPE®’s College Finance Essentials Course24:59 Ryan’s Two Cents Show Notes Links:More about Ryan & how to contact him: Ryan H. Law Student Loan pageTo get more information on all student loans: Studentaid.govPublic Student Loan Forgiveness InformationFederal Student Loan ServicersRyan’s book: Student Loan Planning: A Borrower’s Guide to Understanding and Repaying Student LoansFor more information on College Finance Essentials, check out: https://www.afcpe.org/educati.../college-finance-essentials/ use code CFE2021 for 25%! This code expires December 31, 2021
Today on Real Money, Real Experts, co-hosts Rebecca Wiggins and Dr. Mary Bell Carlson are joined by Dr. Brad Klontz, a financial planner, financial psychologist, and coauthor of six books on the psychology of money.In this episode, Dr. Klontz dives into the world of financial therapy, exploring its similarities and differences with financial coaching and counseling, and sharing the incredible impact it can have on our personal relationship with money. We learn about our individual, deep-rooted beliefs around money called “money scripts,” how they affect us, and how we can change them.Don’t forget, Dr. Klontz will be delivering keynote remarks at our upcoming 2021 AFCPE symposium. This episode is a must-listen, especially if you’ll be joining us in November!   Show Notes:00:52 Brad introduction01:45 Brad’s introduction to the Field of Finance04:29 How Financial Therapy Differs from Counseling & Coaching08:51 Identifying and Working Through Money Scripts with your Clients15:48 Importance of Talking About Money with Children21:17 Intersectionality of Money Scripts26:18 It’s Unromantic, but Important – Talking about Money with your Partner Early34:47 Brad’s Two CentsShow Note links:Connect with Brad! @drbradklontz on all social media platformshttps://www.bradklontz.com/aboutwww.bradklontz.com/moneyscriptstestResourceswww.afcpe.org/career-and-resource-center/certification-scholarships/www.afcpe.org/symposium  https://financialtherapyassociation.org/find-a-financial-therapist/ https://www.financialpsychologyinstitute.com/AFCPE Member Discounts
How has our history shaped our financial present? What is the origin of wealth? Co-hosts Rebecca Wiggins and Dr. Mary Bell Carlson discuss why these questions matter on this episode of Real Money, Real Experts with award-winning author Edgar Villanueva. Edgar is an enrolled member of the Lumbee tribe of North Carolina, the Principal of Decolonizing Wealth Project and Liberated Capital, and the author of the bestselling book Decolonizing Wealth.Pulling from his experience advising global organizations on advancing racial equity from within, Edgar explains financial counselors and advisors must not only understand our history and the origins of wealth, but must also ensure their services are open and accessible to clients from vastly different communities or backgrounds than their own.   Show Notes:00:52 Edgar introduction3:09 Edgars Career Trajectory5:36 Principles of Decolonizing Wealth12:55 Doing the Work – Holistic Understanding of the Individual to Better Serve Clients15:51 Financial Challenges of the Native American Community22:45 Edgar’s Two Cents          Show Note links:Connect with Edgar! Twitter: @VillanuevaEdgarInstagram: @VillanuevaEdgar Facebook: https://www.facebook.com/DecolonizingWealth/ LinkedIn: https://www.linkedin.com/company/decolonizing-wealth-project/ Decolonizing Wealth: https://decolonizingwealth.com/7 Steps to Healing: https://decolonizingwealth.com/7-steps-to-healing/
From music education, to supply chain management, to overcoming a gambling addiction, Ambus Hunter’s path to becoming a financial counselor looks different from most.In this episode, you’ll hear co-hosts Rebecca Wiggins and Dr. Mary Bell Carlson chat with Accredited Financial Counselor® Candidate Ambus as he shares his story of struggling with, and triumphing over, a gambling addiction, and how it ultimately brought him to his private practice.Both vulnerable and authentic, Ambus discusses the importance of empathy and understanding within the financial coaching profession, the power of sharing our struggles, and the beauty in creating human connections.   Show Notes:00:52 Ambus Introduction01:29 Ambus’ Journey to the Field of Finance14:03 Understanding and being Empathetic towards Gambling Addictions18:15 How Life Experiences Validate Your Practice22:59 Working with Clients with an Addiction27:27 They Journey towards the AFC®29:52 Ambus’ Private Practice32:34 Talking about Stocks and Investing as a Financial Counselor/Coach35:52 Get Registered to Give Investment Advice37:18 Ambus’ Two Cents  Show Note links:Social MediaIG: @ambushunter Twitter: @ambusvhunterAmbus’s blog: www.ambushunter.com Ambus’ personal journey: https://www.ambushunter.com/how-gambling-away-my-savings-strengthened-my-relationship-with-money/National Gambling Helpline: https://www.ncpgambling.org/help-treatment/national-helpline-1-800-522-4700/Department of Health and Human Services - Substance Abuse & Mental Health Services Administration: https://www.samhsa.gov/find-help/national-helplineFrom the Ground Up: Starting a Private Practice and Navigating State Registrations: https://www.afcpe.org/real-money-real-experts-podcast/
This week on Real Money, Real Experts, hosts Rebecca Wiggins and Dr. Mary Bell Carlson walk down memory lane with Dr. Barbara O'Neill, owner/CEO of Money Talk and Distinguished Professor Emeritus at Rutgers University. A long time member of AFCPE®, Dr. O'Neill talks to us about her favorite AFCPE moments and the growth of the organization through the years. Just as AFCPE has transitioned over the years, so has her professional career. Come learn about her exciting journey from Academia to Entrepreneurship and hear how she uses social media, professional connections and life lessons to build a successful private practice.   Show Notes:00:52 Barb Intro02:04 Barb’s intro to the Field of Finance04:08 Stroll Down Memory Lane: AFCPE® in the early years08:09 Tips for your first AFCPE® Symposium09:17 Barb’s transition from Academia to Entrepreneurship12:39 Filling in the Cracks: Managing your Time as a Private Practitioner14:17 The Mary O’Neill Mini Grant: Origins and Impact in the Field18:26 Using Social Media to Build your Brand21:53 Barb’s Two Cents Show Note links:Contact Barb!Twitter: @moneytalk1LinkedIn: https://www.linkedin.com/in/barbaraoneillmoneytalk/Small Steps Blog: https://moneytalk1.blogspot.com/2021/06/the-value-of-simple-process-steps.htmlMoney Talk Website: https://www.moneytalkbmo.com/Money Talk Blog: https://moneytalk1.blogspot.com/ResourcesRutgers Cooperative Extension Personal Finance Website: https://njaes.rutgers.edu/money/Amazon Website for Flipping a Switch Book:  https://www.amazon.com/Flipping-Switch-Happiness-Financial-Security/dp/1620236869Military Families Learning Network Personal Finance Website: https://militaryfamilieslearningnetwork.org/personal-finance/Mary O’Neill Mini Grant: https://www.afcpe.org/career-and-resource-center/grants/Mary O’Neill Mini Grant Recipients: https:/www.afcpe.org/career-and-resource-center/mini-grant-recipients/
The power of failure, the unique financial struggles of military service members, finding your financial coaching niche — co-hosts Rebecca Wiggins and Dr. Mary Bell Carlson cover it all with guest Lacey Langford, AFC®.Lacey is the creator and host of the Military Money Show, a podcast that's dedicated to helping the military community make, save, and invest money wisely. She's also a veteran of the U.S. Air Force and the founder of Laceylangford.com, a personal finance blog and coaching practice specializing in the unique world of the United States Military.In this episode, Lacey talks about barriers that are actually business opportunities in disguise, her unconventional career journey to a career in helping military members, and her favorite resources for entrepreneurs. If you run your own financial business — or are thinking about taking the leap to start a private practice — you don’t want to miss this episode of Real Money, Real Experts.      Show Notes:00:52 Lacey’s Introduction01:36 Lacey’s Journey to the Field and the AFC®05:27 Financial Challenges of Active-Duty Service Members07:56 Financial Challenges and Barriers of Active-Duty Military Spouses11:35 Resources for Service Members and Souses in Transition14:00 The Evolution of Lacey’s Private Practice17:06 The Power of Having a Niche20:04 Diversifying your Income24:53 Advice for Private Practitioners30:00 Resources for Entrepreneurs35:42 Lacey’s Two Cents Show Note links:Connect with Lacey!Website: https://laceylangford.com/Instagramː https://www.instagram.com/laceylangfordTwitterː https://twitter.com/FinanceLaceyLinkedInː https://www.linkedin.com/in/laceylangfordYouTubeː https://www.youtube.com/channel/UC0oGyS_Pwtig0iecEQ_PW2gFacebookː https://www.facebook.com/TheMilitaryMoneyExpertMilitary ResourcesVeterati: https://www.veterati.com/Military OneSource: https://www.militaryonesource.mil/Hiring Our Heroes: https://www.hiringourheroes.org/ Entrepreneurial ResourcesFinancial Coaching Business Builder: https://programs.laceylangford.com/courses/fcbbAirtable: https://airtable.com/ Calendly: https://calendly.com/ Grammarly: https://www.grammarly.com/Meet Edgar: https://meetedgar.com/HelloSign: https://www.hellosign.com/Thinkific: https://www.thinkific.com/Lead Pages: https://www.leadpages.com/Blue Host: https://www.bluehost.com/#
In honor of Pride Month, we dive deeper into the unique financial challenges of the LGBTQ+ community and learn the changes — both big and small — we can make to create a more inclusive practice.  Co-hosts Rebecca Wiggins and Dr. Mary Bell Carlson speak with Cait Howerton, CFP®, AFC®, member of the LGBTQ+ community, and Lead Planner at Facet Wealth where she helps her clients uncover their life goals, navigate their money beliefs, and effectively use their earnings to achieve their dreams.From higher youth homeless rates and increased student loan debt, to the impact of non-inclusive language, the group discusses the responsibility of financial coaches and counselors to not only understand, but meet the needs of their LGBTQ+ clients. Show Notes: 00:52 Cait Introduction01:39 Cait's Journey to the Field of Finance06:45 A Financial and Social Advocate08:03 The Unique, and Complex, Financial Challenges of the LGBTQ+ Community11:34 Advise for Student Loan Borrowers 15:37 Building Inclusive Practices as a Financial Counselor/Coach20:29 Resources for Building an Inclusive Practice 23:02 Cait's Two Cents          Show Note links:Connect with Cait! Twitter: https://twitter.com/caithowerton LinkedIn: https://www.linkedin.com/in/caithowerton/Resources:Facet Wealth: https://facetwealth.com/Smartpath: https://www.joinsmartpath.com/Find an AFC: https://www.afcpe.org/find-an-afcpe-certified-professional/Federal Student Loans: https://studentaid.gov/2050 Trailblazers: https://www.2050trailblazers.com/GLAAD: https://www.glaad.org/Human Rights Campaign: https://www.hrc.org/resourcesPrudential LGBT Financial Experience: https://www.prudential.com/wps/portal/production/prudential/links/about/lgbt-financial-wxperience/!ut/p/z0/04_Sj9CPykssy0xPLMnMz0vMAfIjo8zivS08XD083A18DBzN3Qwc3SzdXc2D3J0szcz0C7IdFQEk0h_d/The Trevor Project: https://www.thetrevorproject.org/SAGE - Advocacy and Services for LGBTQ+ Elders: https://www.sageusa.org/Celebrate PRIDE with ACFPE:  https://www.afcpe.org/news-and-publications/blog/afcpe-pride-month-2021/AFCPE Equity Screen: https://www.afcpe.org/wp-content/uploads/2020/01/AFCPE-Equity-Screen-Final.pdf
What do hip-hop pedagogy and brunch have to do with breaking down the racial wealth divide? We found out in this episode of Real Money, Real Experts.Co-hosts Rebecca Wiggins and Dr. Mary Bell Carlson speak with Pamela Capalad, CFP®, AFC®, founder of Brunch & Budget, and Dyalekt, Host of the Brunch & Budget Podcast, Workshop MC, and See Change MC.Brunch & Budget is a financial planning program created to give everyone safe, friendly, and affordable places to talk about money and make real financial progress. In this interview, the group discusses why financial coaches and counselors need to understand the systematic challenges faced by clients of color, how these challenges impact their relationship with money, and how we can meet our clients where they are through a lens of equity and inclusion.    Show Notes:00:52 Pamela Capalad and Dyalekt Introduction02:10 Pamela’s Journey to the Field of Finance04:52 Dyalekt’s Journey & Infusing Music and Art into Financial Literacy09:16 Origins of Brunch and Budget13:05 The Racial Wealth Gap16:28 See Change – Integrating the Racial Wealth Divide into Financial Coaching19:54 Resources on the Racial Wealth Gap21:20 Pamela & Dyalekt’s Two Cents  Show Note links:Get in contact with Brunch & Budget:Instagram: https://www.instagram.com/brunchandbudget/Twitter: https://twitter.com/brunchandbudgetBrunch & Budget Website: https://brunchandbudget.com/Brunch & Budget Podcast: https://brunchandbudget.buzzsprout.com/Pockets Change Website: http://www.pocketschange.com/Resources on the Racial Wealth DivideRace & Wealth Podcast: https://raceandwealth.buzzsprout.com/Prosperity Now: https://prosperitynow.org/National Community Reinvestment Coalition (NCRC): https://ncrc.org/The Color of Money: Black Banks and the Racial Wealth Gap: https://www.amazon.com/Color-Money-Black-Racial-Wealth/dp/0674237471/ref=asc_df_0674237471/?tag=hyprod-20&linkCode=df0&hvadid=312243616995&hvpos=&hvnetw=g&hvrand=4652926880038556144&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9007563&hvtargid=pla-660086380255&psc=1Color of Law book: https://www.barnesandnoble.com/w/the-color-of-law-richard-rothstein/1124822159
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.edu
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: @LaurynCwilliams
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/
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/
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/
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. 
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/
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/
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/
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. 
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