Real Money, Real Experts

In this episode of Real Money, Real Experts, we sit down with financial coach, author, and educator Ericka Young, AFC, who shares her personal journey of paying off $90,000 in debt and building a career helping families achieve financial freedom.

Ericka discusses the importance of open and honest money conversations, both in relationships and in financial institutions, explaining how trust plays a crucial role in financial success. She also dives into practical strategies for raising financially responsible kids, emphasizing why giving teens ownership over major purchases—like their first car—can set them up for a lifetime of smart money habits.

From workplace financial wellness programs to training future financial coaches, Ericka’s expertise spans across individuals, families, and businesses. Tune in for an inspiring discussion on building trust, taking ownership, and rewriting your financial story!

Show Notes:

02:47 Why seasons of pause & intentionality are vital when surviving the teen years 

07:22 Ericka's journey to the credit union world 

14:26 Your tips & tricks in working with credit unions

16:48 The powerful impact financial wellness programs have in workplace culture

24:59 How to have money chats with your partner

31:22 Ericka's 2 cents

Show Note Links:

Check out Ericka's wesbite! 

Connect with Ericka on Linkedin! 

Connect with Ericka on Instagram! 

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 does it mean to build true wealth?

 In this episode of Real Money, Real Experts, we sit down with financial planner Justin Chastain, AFC®️ to explore the connection between self-worth and financial success, the emotional impact of money, and the power of authenticity in both personal and professional growth.

Justin shares his personal experiences with grief and how it has shaped his financial philosophy, explaining why wealth is about more than just numbers—it’s about how money influences your life and the lives of those you care about. He also breaks down why patience is essential in building financial security and how leaning into your uniqueness can set you apart in any industry.

Whether you're a business owner, an aspiring entrepreneur, or someone looking to improve your financial mindset, this episode is filled with powerful insights on achieving financial freedom and peace of mind. Tune in for an inspiring conversation on redefining wealth, investing in yourself, and staying true to who you are.

Show Notes:

01:24 Justin's journey into the financial planning space

04:38 The AFC is they key to lifelong learning

07:33 How creating buckets of value influence our financial decisions

14:21 Why leaning into your uniqueness is your superpower

 22:22 The secret behind building wealth for a business 

27:41 What to look for in mentors & coaches

32:24 Justin's 2 cents

Show Note Links:

Connect with Justin on Linkedin!

Connect with Justin on Instagram!

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’re joined by Jessica Moorhouse, a leading financial educator, podcast host, and founder of MoorMoney Media Inc. Jessica’s passion for financial literacy started early—she worked her way through university and mastered frugality. But after stepping into the professional world, she realized that budgeting alone wasn’t enough to achieve the life she dreamed of. Determined to learn more, she became an expert in financial planning and building wealth, eventually leaving her marketing career to launch her own financial education company.

Join us as we discuss Jessica’s journey from frugal beginnings to financial empowerment, the importance of recognizing that you are more than money, and practical steps to help you build a life of purpose and abundance. Jessica also shares highlights from her newly released book and offers powerful insights on how to shift your mindset around money and success.

Tune in for an inspiring conversation that will encourage you to embrace your full potential—beyond your bank balance.

Show Notes:

02:06 – Jessica’s “Why” for Everything But Money: The Hidden Barriers Between You and Financial Freedom
04:33 – How Jessica Uncovered Her Own Money Story (and How You Can Too!)
15:08 – Jessica’s Journey to the AFCPE Community
18:17 – Why Getting to the Root of Your Money Story is Your Biggest Strength
20:59 – Jessica’s Two Cents 

Show Note Links: 

IG @jessicaimoorhouse 

YouTube @jessicamoorhouse 

LinkedIn @jessicamoorhouse 

https://jessicamoorhouse.com/book

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 the Season 6 premiere of Real Money, Real Experts, we’re joined by 2025 Board President and our new co-host Dr. Brandy Baxter, AFC®️, the powerhouse behind Living Abundantly and Envision 30. As an Accredited Financial Counselor®️, financial coach, and strategic leader, Brandy helps individuals and organizations think from the future to achieve financial success. With a wealth of experience—including her service in the U.S. Air Force, leadership in financial education, and dedication to community building—Brandy brings a unique perspective on how forgiveness plays a crucial role in financial well-being.

Join us as we discuss the power of community, the importance of elevating diverse voices in financial coaching, and how simple steps like storytelling can make planning for the future less intimidating. Brandy’s insights will leave you inspired to take action, forgive financial mistakes, and embrace abundance.

Tune in and take your seat at the table—because we’re all more powerful when we come together.

Show Notes:

2:00 Introducing our new co-host...Dr. Brandy Baxter

2:12 What led Brandy to AFCPE

09:03 Brandy's hope for her presidency

11:43 How serving on the AFCPE Board of Directors has impacted Brandy's journey

15:59 Why the AFC matters

20:02 Looking ahead for the future of Real Money, Real Experts

22:33 Brandy's 2 cents

Show Note Links: 

Connect with Brandy on Linkedin!

Connect with Brandy on Instagram at  @brandys2cents4u

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 special season finale, Rachael and Mary bring you voices of #ExperienceAFCPE2024 attendees directly from the symposium floor. Attendees share their experiences, key takeaways, and advice for financial educators and those entering the field. This compilation of mini-interviews offers unique insights into the world of financial education and the power of shared learning.

This episode is also Mary’s final episode as podcast co-host. After 5 years, Mary is passing the baton to a new co-host – to be announced in the new year. Mary and Rachael reminisce about the good times, the laughter, and look forward to a new chapter in 2025.

Show Notes:
00:02 Welcome to the Season 5 finale of Real Money, Real Experts 
12:32 Switching it up for this year's Symposium Recap 
14:43 Voices of Symposium ft. the AFCPE Community
33:15 Mary's farewell 
36:53 See you in February with Season 6!

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 powerful episode of Real Money, Real Experts, Rachael DeLeon and Dr. Mary Bell Carlson sit down with Dr. Michael G. Thomas Jr., a financial empathy expert and lecturer at the University of Georgia, who is changing the way we think about money and wealth. As an Accredited Financial Counselor® (AFC®), Dr. Thomas’s work emphasizes the importance of empathy, self-compassion, and active listening in financial counseling and planning. We explore his unique philosophy that the journey to financial health is deeply relational—not just about personal gain but about shouldering each other’s burdens and celebrating each other's successes.

Dr. Thomas shares insights from his book, Black Financial Culture: Building Wealth from the Inside Out, and we dive into the impact of brain function on financial behavior and the essential role of data visualization in helping individuals see their financial paths more clearly. Dr. Thomas’s message is clear: we don’t all start or end at the same place, and it's about recognizing our shared struggles and learning how to thrive collectively.

Show Notes:
02:41 A Glimpse Into Michael's Keynote Speech 
07:21 It's Not You, It's the System 
12:22 Digging into Michael's book "Black Financial Culture"
17:58 Unpacking cultural norms
22:18 The importance of genuine connection 
27:13 Why the AFCPE Symposium is a constant 
29:58 Michael's 2 Cents 

Show Note Links:
LinkedIn https://www.linkedin.com/in/moneyandwellness/
Twitter @Modomsolutions
Instagram @modomsolutions
Tik Tok @modomsolutions

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.

On this episode of Real Money, Real Experts, we tackle the evolving world of financial fraud and how we can break the cycle of shame that often keeps victims silent. In this exclusive sneak peek of their keynote session at this year’s symposium, Lori Schock, Director of the SEC’s Office of Investor Education and Advocacy, and Robert Mascio, Director of Investor Education Outreach at FINRA, share compelling stories of today’s most sophisticated scams such as AI-driven impersonation schemes. Lori and Robert explain how fraudsters exploit trust and emotion, and why it's crucial to have open conversations about these tactics. By discussing fraud openly, we can empower victims, protect ourselves, and make more informed decisions. 

Don’t miss this insightful preview into the strategies you can use to safeguard against these evolving threats. 

Show Notes:
02:50 What is the SEC? 
04:08 What is FINRA? 
05:56 Lori's career path to the SEC
08:59 Robert's career path to FINRA
11:30 How the financial fraud landscape has changed 
12:30 The rise of technology has impacted the financial fraud landscape 
16:26 How to spot an impersonation scam
18:11 Resources to protect yourself against financial scams
20:02 Why conversations are vital to break the guilt & shame victims experience
22:36 Lori's 2 cents
24:51 Robert's 2 cents

Show Note Links:
SEC Website
Investor.gov 
FINRA's BrokerCheck
FINRA’s Website
Investment Adviser Public Disclosure website
Help for Seniors Website
Help for Seniors phoneline: 844-574-3577
Investor.gov phoneline: 1-800-732-0330
Robert Mascio's Linkedin

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 thought-provoking episode of Real Money, Real Experts, Rachael and Mary are joined by Wendy De La Rosa, Assistant Professor at the Wharton School and behavioral finance expert, to dive deep into the psychology behind our financial decisions. 

Wendy shares how behavioral science can reshape the way we approach saving, spending, and budgeting, offering practical strategies to build healthier money habits and eliminate financial shame. We’ll also explore why money remains a taboo topic, the role of AI in personal finance, and how to create an environment that supports financial well-being. 

Whether you’re looking to get a handle on your budget, gain confidence in your financial decisions, or simply understand why we think the way we do about money, this episode is packed with insights to help you take control of your financial future.

Show Notes:
04:18 Why we don't talk money (& why we should)
05:36 Financial Shame no more
08:06 Practical tips to talk about money with your loved ones
10:02 A sneak peek into Wendy's next project
13:00 Why a spreadsheet is not the answer for financial wellbeing 
17:29 How to bring women into the financial conversation
20:31 How AI will influence personal finances
22:45 Wendy's top resources for financial conversations
23:53 Wendy's 2 cents

Show Note Links:  
Wendy's Linkedin
Wendy's X/Twitter 
Your Money, Your Mind Ted Talk
Wendy's Ted Talk

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 insightful episode of Real Money, Real Experts, we sit down with Syble Solomon, the visionary behind Money Habitudes and a trailblazer in the world of financial behavior. Syble shares her unique journey, from her early career as a Peace Corps volunteer to becoming a Financial Behavior Specialist, transforming how people understand their relationship with money. We explore her "deck of cards" approach to life, the pivotal moments that shaped her work, and how AFCPE® has played a crucial role in her success.

 Get a sneak peek into AFCPE 2024, learn about Syble’s breakthrough moments with debt, and hear her powerful message about being bold in your money habits. This episode is packed with wisdom, motivation, and practical advice for meeting people where they are and empowering them to move forward.

Show Notes:
02:53 Who is Syble Solomon?
06:39 The beginning of Money Habitudes
09:55 Syble's debt breakthrough
11:34 Dealing with the deck of cards life throws at you
16:45 AFCPE to the rescue!
17:28 How AFCPE impacted Money Habitudes
20:10 Safe and Sound: A sneak peek at AFCPE2024!
28:40 How to be bold in your money habits
33:44 Syble's 2 cents

Show Note Links: 
https://www.moneyhabitudes.com/
https://shop.moneyhabitudes.com/cards/
https://www.afcpe.org/symposium/
https://www.freefrom.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.

In this keynote episode of Real Money, Real Experts, we’re diving into the power of movement—whether it’s moving beyond cultural gaps, moving through discomfort, or moving towards impactful change. 

Join us as we kick off the Symposium Keynote series with two incredible guests, David Scherer and Joe Davis, who are experts in bridging the diversity gap through thoughtful, grace-based conversations. David and Joe share their insights on how we can just move beyond guilt, blame, and shame, creating brave spaces where we can challenge ourselves to embrace discomfort and grow.

David Scherer, an educator, speaker, and performer, brings over 20 years of experience in intercultural development and anti-racism work across the globe. Joe Davis, an award-winning artist and educator, uses poetry, music, and dance to reshape culture and connect communities. Together, they share their unique approaches to facilitating impactful conversations around race, money, and culture.

Tune in to learn how we can start building bridges across cultural differences and move towards a more inclusive and empathetic world. It all starts with the courage to just move.

Show Notes:
03:07 Your "JustMove" crash course
05:52 Getting to know David
08:14 Getting to know Joe
11:12 What is money culture & implicit bias?
12:41 How to foster a culture of money curiosity
14:13 The power of conversation & accountability in financial counseling
18:04 Practice makes progress
21:24 Action steps to breaking free from discomfort & creating brave spaces
27:59 David's & Joe's 2 cents

Show Note Links:
@justmoveculture, @joedavispoetry, and @agapedave1
For more information on their work, go to www.justmoveculture.com 
Joedavispoetry.com: https://www.joedavispoetry.com/
Joe’s books: https://www.joedavispoetry.com/books 

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.