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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 ...
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Minspeak Moments

Russell T. Cross

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Stories and strategies from people in the field of Augmentative and Alternative Communication who use the Minspeak symbol-based system of language encoding. Talk to me via thespeechdude@gmail.com
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Welcome to "The Success Factor," you’re easy to understand, real, open, and authentic guide to mastering the art of success. We're all about cracking the code of life's triumphs, learning from the brightest stars across diverse fields, and bringing their wisdom straight to your headphones. Our mission? To help you smash your personal barriers and bring your dreams within arm's reach. Whether you're watching, listening, or reading, we bring you raw insights, fresh perspectives, and real-life ...
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This week, we welcome Jasmine Johnson, Accredited Financial Counselor®️, Entertainment Accountant, and Mental Health Advocate to Real Money, Real Experts. Jasmine has spent over a decade empowering individuals and families to transform their financial mindset and achieve Financial Independence. In this episode, Jasmine shares how growing up in pove…
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This week, we welcome Kate Mielitz, PhD, AFC®️, CDP®️ , back to Real Money, Real Experts. Dr. Kate has 25 years of experience in financial services, including bankruptcy, fraud, financial counseling, and higher education, and she's dedicated to helping financial and human services professionals navigate cultural differences. On today's episode, we …
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Our first podcast episode to kick off with a love story! Join Rachael DeLeon and Dr. Mary Carlson as they sit down with Mike Lanway, CFP®, TSP expert, and self-proclaimed federal benefits "nerd." In this week's episode of Real Money, Real Experts, we explore Mike's unique personal and professional journey and uncover the invaluable lessons he's lea…
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On this week's episode of Real Money, Real Experts, co-hosts Rachael DeLeon and Dr. Mary Bell Carlson are joined by Christine Niccoli, Director in Community Impact at United Way Massachusetts Bay, and Nathalie Kallab Racimo, AFC, Senior Homeownership and Financial Services Advisor at NOAH. In this important episode, we discuss the importance of pro…
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"Tailor what you're doing to the audience that you're serving."-Gilbert Rogers. On this week's episode of Real Money, Real Experts, co-hosts Rachael DeLeon and Dr. Mary Bell Carlson are joined by Gilbert Rogers, AFC. Gilbert is the Director of Financial Wellbeing at UNC Chapel Hill. He is a national thought leader in the financial education space a…
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Step into the spotlight with us as we commemorate the 100th episode of Real Money, Real Experts. In this special episode, we reminisce on the trials, triumphs, and unforgettable moments that have defined our podcast journey and look ahead to the future. We pull back the curtain to give you a look at our podcast journey, answer listener questions, a…
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Join co-hosts Rachael Deleon and Dr. Mary Carlson as they welcome Lissa Prudencio, AFC®, Founder of Wealth for Women of Color. In our latest episode, Lissa shares the power of pivoting and reminds us that investing in ourselves can help change the world. You'll learn the secret to intentionality, how to avoid burnout, and the importance of putting …
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Join co-hosts Rachael Deleon and Dr. Mary Carlson in this week's episode as they welcome Sara Lohse, AFC® and Founder of Favorite Daughter Media, to the conversation. Fueled by caffeine and unwavering passion, Sara is a master at blending storytelling and marketing to empower mission-driven brands to amplify their impact. In this fun conversation, …
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On this week's episode, co-hosts, Rachael Deleon and Dr. Mary Carlson, are joined by AFCPE Board Member and FINRA Foundation Fellow, Lynne Patterson, AFC. Lynne's expertise and passion for fostering collaboration and resilience stem from her deep military connections. As both a service member and a dependent she has moved an astounding 35 times, pr…
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Are you ready for it? Join hosts Rachael Deleon and Dr. Mary Carlson for an engaging episode featuring special guest Amanda Christensen, AFC, Extension Professor at Utah State University, and Founder of Utah Money Moms. In our latest episode, Amanda shares her passion for empowering women on their financial wellness journey and reminds us how culti…
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Join hosts Rachael Deleon and Dr. Mary Carlson in a captivating conversation with special guest Amy Smith, AFC, Founder of My BPD, My Money, and Member Engagement Coordinator for AFCPE. In this enlightening episode, Amy shares her inspiring journey to achieving the AFC certification, emphasizing the transformative power of vulnerability and authent…
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"If you want to be a CEO, you have to start thinking like a CEO." In this episode, hosts Rachael Deleon and Dr. Mary Carlson are joined by special guest Tiffany Grant, AFC and owner of Money Talk with Tiff. Tiffany, an award-winning financial literacy expert and educator, has empowered countless individuals and organizations to achieve financial su…
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Brent Neiser has an incredible range of work and impact in the personal finance space. Every time we connect, we learn something new! Brent started his journey as a financial planner, but his heart for service led him to a rich career in financial education. On this episode, we learn how the AFCPE community has impacted his career, why he believes …
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Markia Brown is an award-winning financial educator and content creator, an Accredited Financial Counselor, and an AFCPE member with a talent for making complex financial topics accessible, particularly to younger generations. Her mission focuses on uplifting underserved communities and offering them vital tools and education to achieve their defin…
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Every December, Real Money, Real Experts takes a break to prepare for the year ahead. As we head into the busy holiday season, we're happy to re-share a fan favorite - our episode on empathy and the art of listening with Dr. Michael Thomas, AFC. Enjoy and happy holidays from Rachael, Mary, and the entire podcast crew! Want to get involved with AFCP…
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This week, Real Money, Real Experts, was live on YouTube with AFCPE Board President, Andi Wrenn. Andi, Mary, and Rachael recap all things 2023 AFCPE Symposium. If you joined us for Symposium this year, come reminisce with us. If you didn't attend this year, tune in to learn what its all about. We also get to learn more about Andi's professional jou…
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This week we welcome financial therapist, Nathan Astle, to the show. Nate is the founder of the Financial Therapy Clinical Institute, which is a collaborative practice that includes financial counselors, therapists, and planners working together to meet the needs of their clients. On this episode, Nate shares what inspired this unique practice mode…
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Lazetta Braxton, MBA, CFP® is on a mission to create wealth for the common good. She believes in fighting for voices that have not been heard, and has built her career around making room for underserved and overlooked populations. In this episode, we get to know Lazetta - her family history and her career path, and she shares a preview of the conve…
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Today’s guest is John McNamara, Principal Assistant Director of Consumer Credit, Payments, and Deposits Markets at the CFPB. In this episode, John shares his professional journey from debt collection to his current role at the CFPB. He talks to us about the latest research from the Bureau, and gives us some of his favorite CFPB resources - designed…
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Dr. Preston Cherry, AFC®, CFP®, CFT-1 is the Founder & President of Concurrent Financial Planning, the Head of the University of Wisconsin Green Bay Financial Planning Program, and also a keynote speaker at this year's AFCPE Symposium. Preston is passionate about the ways that storytelling and listening can help us better connect with clients, adva…
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On today's episode we talk to AFC candidate, Rahkim Sabree, a financial coach, entrepreneur, and thought leader on the topic of financial trauma. We discuss how personal background, cultural experiences, and mental health all play a role in personal finance, and how financial professionals can add a trauma-informed lens to your work with clients. W…
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“Whether someone wants to be independent with their finances is their absolute decision…but what I don’t want that decision to be based around is the fact that someone cannot see anymore…I want to help [people] realize that there are options.” - Liz Bottner On this week’s episode, we get to know Chris Peterson and Liz Bottner of Penny Forward. Penn…
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With the student loan pause coming to an end and a new repayment plan announced, we wanted to answer your questions. And who better to help us break down the new Student Loan SAVE plan than Ryan Law. Ryan H. Law is an award-winning educator who teaches in the Personal Financial Planning program at Utah Valley University. He’s a Certified Financial …
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Sarah Newcomb is an applied scientist, behavioral economist, and the Founder of the Thrive Financial Empowerment Center. Her work bridges the gap between research and practice, adapting the findings of academic research for practical use in personal financial management. In this episode, Sarah shares her own personal story and how it led to her cur…
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Rhonda Noordyk, founded The Women's Financial Wellness Center in 2014. Her mission is to help reduce financial vulnerability for women going through divorce. In this episode, Rhonda talks to us about the challenges women face when going through divorce, the financial considerations, and the importance of having a support team to provide legal, fina…
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Kimberly Henne is a board member and financial wellness coach for a local nonprofit, Ways for Life, an organization that works with youth aged 15 - 25 who are touched by foster care or homelessness. In this episode we learn more about Kimberly's personal journey with the foster care system - she adopted both of her children out of foster care - as …
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Today’s guest, Jonathan Walker, has spent much of his career studying American households - to better understand human behavior and figure out how to create environments where people can succeed and thrive. Jonathan is a practitioner who understands the value of research and how these findings can be translated into practice. In this episode, Jonat…
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"The greatest gift we can give our clients is providing that space where they can find the presence of the feeling that they are not alone.” Today’s guest, Dr. Erika Rasure, is a financial therapist and deep transformational coach; the Chair of the Research Board for the Financial Therapy Clinical Institute; and a Client Financial Therapist for Bey…
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If you're feeling frustrated and defeated because you're pouring all your time and energy into your passions, yet still not achieving balance and success, then you are not alone! Our guest, Filip Arciszewski, is here to share the truth about pursuing passions while maintaining balance. He left his old job because he was sick and tired of being in a…
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Our guest today, Michael Kothakota is the head of research at the CFP Board. In this episode, we learn about Michael’s path into financial services, and how the AFC curriculum - on the way to becoming a planner - helped broaden his perspective and enabled him to better support clients. We discuss how critical it is for financial professionals to be…
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Amanda Kate's journey towards healing took an unexpected turn when a gynecologist handed her a prescription for antidepressants. Little did she know, this moment would lead her down a path towards uncovering the root cause of her chronic fatigue and ultimately discovering the power of kinesiology. But what Amanda didn't expect, was how her own heal…
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Part 2 of a 2-part series Entrepreneurs, have you heard these myths about the importance of leadership development and coaching for business success? Myth #1: Only struggling businesses need leadership coaching. Myth #2: Leadership development is a one-time event, not a continuous process. Myth #3: Only natural-born leaders can succeed in business.…
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"Don't let fear and hesitation hold you back." This week's guest is two-time Olympian and financial coach, Keturah Orji (“K.O.”). Keturah is a decorated Track and Field athlete, who is balancing the pursuit of her athletic dreams with studying for the AFC and building a financial coaching practice. Keturah is as authentic as she is driven. We talk …
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*This is Part 1 of a 2-part episode* From Middle Eastern studies to banking - Jonathan Nabrotzky's career journey is full of surprising turns. From landing a coveted executive position with a global banking giant and facing the challenge of moving his wife and six children around volatile areas of the world, Jonathon shares his insights on controll…
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Are you interested in the intersection of technology and career development, and wondering how AI will impact the workforce? Dive into this episode with Shane Clifford to learn how he turned his passion into a successful career and get his insights on the impact that technology will have on our lives in the future. In this episode, you will be able…
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This week on "Real Money, Real Experts", Rachael and Mary sit down with psychologist and behavioral finance expert, Daniel Crosby. This conversation was a fun one, covering everything from epic failures to Chat GPT to the power of authenticity - which starts with doing the hard internal work on ourselves. Daniel reminds us that technology is our fr…
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Are you ready to take your career to the next level with improved negotiation strategies and strategic thinking? Mark Herschberg is here to share the solution so that you can achieve maximum professional growth! Discover the power of honing your negotiation skills and mastering strategic decision-making to unlock your professional potential. Mark H…
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When Mark Moss and Aleks Svetski discovered Bitcoin in 2016, their lives changed forever. Little did they know their passion for the revolutionary technology would bring them together, pushing them even further into the world of decentralized finance -- their unexpected bond inspiring them to create a book that would challenge the Communist Manifes…
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Today’s guest believes that personal finance is a topic to sing and dance about! Julie Beckham, AFC® has taken her passion and turned it into a career, marrying her love for the arts with financial education. Her musical, Ms. Money and the Coins, has been shared with more than 80,000 elementary-age students in Massachusetts and is now available nat…
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"Success is not just about wealth, income, or status, but making a difference in the community." Joining us for this episode is Clint Stone, a highly respected figure in the investment industry with a wealth of experience under his belt. Clint's journey began at Goldman Sachs before moving on to organizations such as Bear Stearns and Ensign Peak. A…
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Are you looking for resilience during adversity but feel like nothing you do is helping? Have you been told to just “pull yourself up by the bootstraps” but still find yourself struggling? Clint Hatton's resilience inspires self-healing and growth through a revolutionary approach, and this episode will show you how to do the same! In this episode, …
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Our guest this week is Kia McCallister-Young, AFC, Director of America Saves. With a background in marketing and communications, Kia knows how to create a compelling message that moves people to action. And it’s a skill she uses often in her work at America Saves. Today Kia shares some of these tips and strategies, and gets us up-to-speed on all th…
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Are you looking to reach your full potential through alignment with your values, genuine expression, and the capacity to cope with challenges? Daniel Mangena can show you how to unlock success with integrity and persistence. Get to know Daniel Mangena, an entrepreneur whose journey is nothing short of inspiring. Through trials and tribulations, inc…
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Heather Jarvis is an attorney and a nationally recognized expert specializing in student loan law. As a first-generation college student, Heather got her start in the nonprofit space and was an early advocate for policy change. In this episode, we take a deep dive into all thing student loans - from forgiveness to bankruptcy to changes in trends, r…
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Dive into the Success Factor as host Trent Christensen unravels the captivating world of Jeannie Moravits Smith, whose transformative inside-out approach could revolutionize your relationships - with yourself and everyone around you! Discover the mastermind behind Dynamism Leadership, an empowering coaching and consulting firm born in 2005 out of t…
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“If you want to belong, there is a place for you.” Our guest this week is Dr. Cherie Stueve, an AFC, a military spouse, and a self-described consummate learner. Cherie shares her journey from farm life to spouse life, the money lessons she learned along the way, and why she is such a strong advocate for the AFC designation. We learn about her journ…
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This week we sit down with Chris Browning, the creator and host of the award-winning, short-form podcast Popcorn Finance. Chris is an OG in the personal finance podcast space with more than 350+ episodes that cover popular finance topics in about the time it takes to make a bag of popcorn. In this episode, we dive into his start as a podcaster (spo…
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Amanda Soper is a Speech-Language Pathologist in Washington, DC. In grad school, she worked with clients who used AAC and knew that this was the field she needed to be in. Amanda has been working with students with complex communication needs using AAC for the past 11 years, but over the past few years, she has really focused on how to help her stu…
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Andy Hill, AFC® candidate, is the award-winning family finance coach behind Marriage, Kids, and Money - a platform dedicated to helping young families build wealth and happiness. Andy believes that money is a tool that helps you move toward the life you want to have, and is on a personal mission to help more people get there. In this episode, we le…
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Show Notes: 2:22 What led Meghan to financial counseling 5:15 Inside Meghan's business model 6:36 How she serves her clients 7:25 The setup of her business 8:53 Advice for approaching employers without a financial wellness program 10:57 How to best network with businesses 13:26 Advice for other counselors interested in this work 15:35 Meghan's fina…
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