Real Money, Real Experts

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/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.

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/#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 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.pdfWant 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 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/1124822159Want 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-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.