This week, Real Money, Real Experts welcomes Shelby Henderson and Tiffany Murray from Texas Tech University's Red to Black® Peer to Peer Financial Coaching Program.

Co-hosts Rebecca Wiggins and Dr. Mary Bell Carlson talk to Tiffany and Shelby about the effectiveness of peer-to-peer programs, and the ripple effect that financial knowledge can have.

*Show Notes*
00:45 Intro Tiffany and Shelby
02:18 What is Red to Black®
06:11 Shelby's background as a student
07:58 Tiffany's career change
12:04: Students' biggest financial challenges
15:18 Knowledge Bowl
17:11 How more universities can make it work
22:06 Sitting for the AFC® as a student
26:52 Student success stories
30:19 Your Two Cents
34:43 Reflecting on the ripple effect

Show Links:

Texas Tech University’s Red to Black program: http://www.depts.ttu.edu/r2b/

Texas Tech’s Financial Planning Program: http://www.depts.ttu.edu/hs/pfp/

Student Financial Literacy: Campus-Based Program Development by Drs. Dottie Durband and Sonya Britt Lutter: https://www.amazon.com/Student-Financial-Literacy-Campus-Based-Development/dp/1461435048

Follow Red to Black on LinkedIn: https://www.linkedin.com/company/red-to-black/ 

AFCPE Symposium Registration: https://www.afcpe.org/symposium/

 AFC Certification Overview & Registration: https://www.afcpe.org/certification/accredited-financial-counselor/

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!

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This week, Real Money, Real Experts welcomes Sonya Passi, Founder and CEO of FreeFrom, focusing on financial security and freedom for survivors of gender-based violence.

Co-hosts Rebecca Wiggins and Dr. Mary Bell Carlson talk to Sonya about the intricacies of gender-based and intimate partner violence, and how that impacts survivor's financial well-being.

*Show Notes*
00:45 Intro Sonya
03:54 Prevalence of Intimate Partner Violence
08:19 What Violence and Survivors Look Like
11:04 Impact of COVID
15:14 Violence & Finances
17:06 About FreeFrom
23:05 What Employers Can Do
29:38 How Financial Coaches Can Confront Violence
36:26 Your Two Cents
39:07 Symposium

Show Notes:

FreeFrom: https://www.freefrom.org/

FreeFrom Safety Fund Report: https://bit.ly/Survivors-Know-Best

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.

This week, Real Money, Real Experts welcomes Carl Richards, Certified Financial Planner and creator of the Sketch Guy column in the New York Times.

Co-hosts Rebecca Wiggins and Dr. Mary Bell Carlson talk to Carl about adopting a 'problem understanding' mindset when working with clients and becoming a guide rather than a map defender. Carl also gives a preview of his presentation at this year's AFCPE Symposium.

*Show Notes*
00:45 Intro Carl
01:28 The Drawing Board
05:29: Building Client Rapport
07:16 How to Listen
14:59 The Art vs. The Science
18:58 Value in Financial Planning
21:28 Judgement & Competition
28:14 Sneak Peek of Symposium
30:10 Your Two Cents

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!

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This week, Real Money, Real Experts welcomes Dr. Billy Hensley, CEO of the National Endowment for Financial Education (NEFE). Billy has a distinguished career in personal finance, philanthropy, and higher education and now leads NEFE in bringing financial access to all Americans.

Co-hosts Rebecca Wiggins and Dr. Mary Bell Carlson talk to Billy about how career, the impact of COVID-19 on personal finances, and the role that all financial professionals can play in lifting up communities.

*Show Notes*
00:45 About Billy
02:21 Personal Finance Access Issues
05:40 Growing Up In Appalachia
09:25 A Holistic Personal Finance Ecosystem
13:24 Knowing Yourself to Find Opportunities
15:17 The Future of NEFE
19:23 Creating Opportunity -  100 AFCs
23:53 Impact of COVID-19
27:30 Your Two Cents

Show Note links:

NEFE Website 

https://www.nefe.org/

NEFE Personal Finance Ecosystem

https://www.nefe.org/about/our-philosophy/ecosystem/default.aspx

Racism, Bias and Economic Inequality Impair the Financial Well-Being of Millions

https://www.nefe.org/press-room/news/2020/racism-bias-economic-inequality-impair-financial-well-being-of-millions.aspx

With This Crisis Does Financial Literacy Even Matter?

https://www.nefe.org/press-room/news/2020/with-this-crisis-does-financial-literacy-matter.aspx

Politics is Hindering the Effectiveness of Financial Education

https://www.nefe.org/press-room/news/2019/politics-hindering-effectiveness-of-financial-education.aspx

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.

This week, Real Money, Real Experts welcomes two special guests to talk about two very important, and intersecting concepts. Dedrick Asante-Muhammad and Heather McCulloch join us to talk about racial and gender wealth gaps: what they are, why they exist, how they intersect, and what financial coaches and counselors can do to help their clients overcome them. 

Dedrick is the Chief of Race, Wealth, and Community at the National Community Reinvestment Coalition, and Heather is the Founder and Executive Director of Closing the Women's Wealth Gap.

Co-hosts Rebecca Wiggins and Dr. Mary Bell Carlson talk to Dedrick and Heather about their careers, and how they've come to be experts on racial and gender wealth gaps.

*Show Notes*
03:08 About Heather
05:36 About Dedrick
07:49 The Gender Wealth Gap
12:05 The Racial Wealth Gap
14:10 COVID's Impact on Race
19:19 COVID's Impact on Gender
22:31 Moving Women Forward
25:02 Moving Racial Minorities Forward
26:50 Balancing Private and Public Assets
27:33 How Financial Professionals Can Help
33:14 Your Two Cents

CNN piece with Jennifer Siebel Newsom

https://www.cnn.com/2020/05/06/perspectives/women-economic-policies-coronavirus/index.html

Slate with Kilolo Kijakazi

https://slate.com/human-interest/2018/05/gender-inequality-closing-the-wealth-gap-is-critical-to-future-financial-security.html

- Report by CWWG Deputy Director, Dominique Derbigny.

- Report by Jocelyn Frye, Sr. Fellow at the Center for American Progress

- Spotlight on Poverty commentary by the Dominique and Jocelyn 

- Article on the

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!

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This week Real Money, Real Experts welcome guest Darren Liddell. Darren's extensive background involves everything from non-profit to tax preparation to extensive work as a racial wealth equity advocate. Liddell has been working in the financial security field for over 8 years. Most recently, Darren served at The Financial Clinic as Director of Program Innovation. In this role, he oversaw the services, data, and policy teams, while providing innovative direction to the Clinic’s new and existing local and national programs.

Co-hosts Rebecca Wiggins and Dr. Mary Bell Carlson talk to Darren about his financial path and how to address racial wealth equity in the field of finance.

*Show Notes*
00:51 About Darren
07:36 Turning Experience into Opportunity
08:21 Tax Prep and the Pandemic
09:12 VITA Services
11:15 Racial Inequality in Finance
13:11 Building Wealth for Your Clients
15:33 Policy and advocacy as a way to address racial wealth equity
21:04 Fintech and the Racial Wealth Gap
25:17 Getting involved in non-profit
26:41 Your Two Cents

Resource Links:
University of Georgia's Financial Planning Program: https://www.fcs.uga.edu/financial-planning
United Way’s Financial Coaching Program: https://www.unitedway.org/our-impact/focus/income
NeighborWorks America: https://www.neighborworks.org/
University of Georgia’s VITA program: https://www.fcs.uga.edu/fhce/vita
Internal Revenue Service’s VITA Programs: https://www.irs.gov/individuals/irs-vita-grant-program
The Financial Clinic: https://thefinancialclinic.org/
Catalyst Miami: https://www.catalystmiami.org/
Prosperity Now: https://prosperitynow.org/
Road to Zero (Racial Wealth Equity Data): https://prosperitynow.org/resources/road-zero-wealth
SaverLife: https://www.saverlife.org/
Brunch and Budget: https://brunchandbudget.com/
See Change: https://seechangefinancial.com/
Propel: https://www.joinpropel.com/
Join AFCPE’s Government Relations Committee: https://www.afcpe.org/afcpe-member-task-forces/

We want to hear from you, so be sure to visit our website and follow us on social media!
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Tell us what you're thinking and use #realmoneyrealexperts

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.

This week co-hosts Rebecca Wiggins and Dr. Mary Bell Carlson talk with Justin Chidester, AFC® and CFP® about the art of private practice. In a time when virtual meetings have become essential, Justin has mastered how to manage remote clients with his practice spanning over 13 states and three countries. The episode dives into Justin's journey from non-profit to private practice and takes a look at what the path looks like from college to fee-only financial planning and helping clients achieve their financial goals.


*Show Notes*
00:52 About Justin
01:52 Starting Wealth Mode Financial Planning
02:50 Financial Adviser vs. Financial Planner
04:29 From non-profit to private practice
05:06 Fee-only financial planning
10:22 How to serve as both and AFC® and CFP®
17:17 Growing your client base 
21:35 AFCPE® Symposium Conference
27:28 Your Two Cents

Resource Links:
AFC® Certification: https://www.afcpe.org/certification/accredited-financial-counselor/
Wealth Mode Financial Planning: https://www.wealth-mode.com/
XY Planning Network: https://www.xyplanningnetwork.com/
AFCPE® Symposium: https://www.afcpe.org/symposium/

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 jam-packed episode, co-hosts Rebecca Wiggins and Dr. Mary Bell Carlson had the opportunity to sit down with AFCPE® President Ryan Law. They talk about everything from how Ryan founded his first student money management center, to what it's like to lead AFCPE® during the year of a global pandemic. Tune in as Ryan shares his path to success and resources for what got him to where he is today as well as essential tips on student loans.


*Show Notes*
01:22 About Ryan Law
06:04 Founding of the Utah Valley Student Money Management Center
10:08 Money Management Centers for non-profits
10:49 Tips for opening your own business
13:31 Student Loans and the Cares Act
16:16 Keys things to know about paying off student loans
17:24 College Finance Essentials Program
**members get $25 off of all of our essentials courses**
20:33 About AFCPE®
22:19 Your Two Cents

Resource Links:
AFCPE® Symposium: https://www.afcpe.org/symposium/
College Finance Essentials: https://www.afcpe.org/education-and-training/college-finance-essentials/
Ryan Law Website: https://ryanhlaw.com/
Student Loan Planning Book: https://www.amazon.com/Student-Loan-Planning-Borrowers-Understanding/dp/1718079435

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.

From a career in the performing arts to managing a finance business and Emmy Award-Winning PBS show, Julia Lorenz-Olson takes listeners through her career in finance and how she uses her background to help her clients. In this episode, cohosts, Rebecca Wiggins, and Dr. Mary Bell Carlson discuss the tools and resources that helped Lorenz-Olson get to where she is today and the current state of the economy.

Julia is a Swiss/Texan who was born for the stage. She ADORES getting to use those talents to empower and inspire others to take charge of their own financial destiny. Spending several years in the mortgage industry gave her number-crunching confidence and a unique insight into Real Estate and lending.


*Show Notes*
01:22 About Julia Lorenz-Olson
07:15 The Start of PBS' Two Cents Show
10:11 Making finance fun
12:02 Connecting with the AFC® designation
14:12 Money as a tool for self-awareness
18:07 Managing a business as a couple
22:00 How COVID is affecting money management
26:03 Your Two Cents

Resource Links:
PBS Two Cents: https://www.pbs.org/show/two-cents/

The Art of Finance: https://theartoffinance.biz/about/

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, cohosts, Rebecca Wiggins, and Dr. Mary Bell Carlson discuss the Financial Fitness Coaching (FFC®)  designation, how it came to be, and its role in the financial field. Featuring guest Saundra Davis, MSFP, APFC®, the three dive deep into the history of Financial Coaching and how it's impacting individuals today.

Saundra unpacks a lot of her journey and explains how Financial Coaching provides a person with the self-efficacy to take control of their finances in their own life and instead of treating people as though they are broken, she believes in helping them restore their commitment to their own financial goals. We are looking forward to your thoughts on the FFC® share them with us at AFCPE.org and on social media using #realmoneyrealexperts.



*Show Notes*
00:52 About Saundra Davis
6:40 Saundra's path to financial coaching
12:07 The difference in coaching in finance
25:24 The beginning of the AFCPE® and FFC® partnership
32:07 Future of the FFC®
35:57 Your Two Cents

Resource Links:

More information about FFC®: https://www.afcpe.org/certification-and-training/financial-fitness-coach/

Sage Financial Solutions: http://sagefinancialsolutions.org/

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.