Do you need a Financial Councilor? Interview with President of the AFCPE, Rebecca Wiggins

Rebecca Wiggins, Executive Director of AFCPE has done a great job of bringing more financial help to the public. The AFC designation (Accredited Financial Councilor), focuses on providing help to people on the numbers side of finance, but also the emotional side of numbers. 

We discuss the emerging side of financial advice and why it is necessary to fill some voids in the personal finance space.


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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Rebecca Wiggins

Rebecca Wiggins is the Executive Director of the Association for Financial Counseling and Planning Education® (AFCPE®) where she leads the professional membership and certification organization for the field of financial counseling and education and provides an annual research and training symposium for field professionals. She is a hands-on executive with over 15 years of experience in nonprofit organizational management. As a respected leader, she has built motivated staff teams with strategic vision and diligence, while optimizing operational efficiencies and creative opportunities. 

Ms. Wiggins holds a Masters of Family Financial Planning and a Masters in Business Administration. She is deeply committed to AFCPE’s mission and focused efforts to build, support and ensure the integrity of the Personal Finance profession and improve the economic well-being of all individuals and families worldwide.

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Today's Panelists

Debbie Todd – Financial Literacy For Kids

Ever wondered why financial literacy for kids is not taught in school?

Me too...

We discuss why this is the case and how to make your kids financially literate. There are a number of techniques that are important to use in teaching kids about finance and not all of these methods are obvious.

financial literacy for kids debbie todd cpa

Financial Literacy For Kids: Money, Maslow and Magic…

By Debbie Todd, CPA

Do you believe the saying that “money makes the world go around” is real?  If you have doubts or haven’t thought much about it, simply spend a few minutes talking to a neighbor, friend or family member you love who is struggling with their money. 

What does their world look like - right now?  
Financial literacy

Are they going around happy?  Are they thriving and making a positive impact on the world? Or are they stressed, fighting with each other and getting continually backed into a corner of bad purchasing and borrowing decisions that will only make matters worse?  And how does that day-to-day money stress spill over into their relations with their significant others, their kids and others?  With you?

Let’s face it.  It costs a lot more to live today than it did 40, 20 or even just 10 years ago.   That makes it harder.

Whether its a viral pandemic, a natural disaster, an economic recession, death or divorce or even more insidiously, just having an “earn and spend more” mentality, these events or circumstances sure bring the value of simple and smart financial literacy to the forefront.  

Maslow’s hierarchy of needs comes to mind…and there are far too many amazing people getting and staying stuck at the bottom.

So now, let’s play a little and ask the question, “how much would life change if I (or my friend) could improve just ONE area of their money life?”  (Say saving $10 a paycheck). 

Then let’s really get into the fun…what if they improved TWO areas?  (Add setting up a budget for six months).  

What if they learned THREE smart money tools?  (Paying off a credit card or setting up an emergency fund.) Now what would life on Maslow’s hierarchy of needs scale look like?  For them?  For their family?  For you?  For the world?

It just takes one step, then another…but getting started is often the hardest part.

Why is that perhaps?

We believe it is three-fold: 

  1. Fear/shame 

  2. Lack of education over time (not taught in schools for nearly 20 years)

  3. Not knowing where to start making changes – while having a trusted mentor to guide missteps

In my experience as a CPA and community financial educator for over two decades, one of the biggest regrets I hear from people is they wish they had learned better money skills earlier.   Then they would be equipped to educate their kids and grandkids about money matters. So much preventable pain and sadness. 

Yeah, this is truly generational pain – and legacy trauma.  With sadness, its also true that folks more easily tell me they have had an affair or had a run in with the law before they’ll be honest with me about the real state of their finances.  

Larry, a military vet, an avid ballplayer and accomplished international training director for tech giant Oracle, knows all about starting things, and helping you reach success – in a way that is simple, yet extremely effective.  

He is the “logistics of money actions and tactics” man on the team.  Larry doesn’t throw any curve balls and calls it like he sees it.  

His goal for you:  

To win the game and find financial peace by helping you knock money problems out of the park!

financial literacy for kids


BUT…wishing it away won’t make it go away.  So now what do we do about it?  

One of our core beliefs is that lasting money wellness starts at the family level.  Why is this?  Think of when you decided to eat healthier…

When the rest of your family keeps bringing home chips, pizza, sodas and s’mores, how good does your salad look?  Well, the same concept holds true with getting your money house healthy and in shape.

Parents and grandparents are trying to trim costs and get ahead while the kids & grandkids are watching boatloads of shows and advertisements – to do what?  Get you to spend money on stuff.   There goes the budget…again and again.

This is where it gets FUN – yes, really!

When the entire family learns simple and effective money skills – AT THE SAME TIME, in their age group, and in their best learning language – MAGIC HAPPENS. 

Being smart about money does NOT have to be boring and drudgery – but it sure works better when those closest to you are supportive too.  Let’s go back to the eating healthier example.  

If everyone in the house agrees to limit junk food (even just a little bit), isn’t it easier to stay on track?  Meal times can be more enjoyable – and soon, everyone is feeling better about how they look and how they feel.  In many cases, it leads to even more healthy habits.  

When families commit to a healthier “financial eating plan,” everyone has ownership and can see their contribution to the their family financial strength.  Both short-term and long-term.   As debt drops, so does stress, worry, anger and the feeling of worthlessness.  As savings increases, so does confidence, peace, hope and family value.  

As money goals become a reality, all family members feel a sense of pride, accomplishment and confidence in taking the next step toward LIFELONG money wellness.  It’s MAGIC and it’s so DOABLE. 

You might be thinking right now – yeah, but this is a BIG issue and has been a problem for DECADES.  That’s true.  Again, wishing it away won’t make it go away.  So let’s talk about smart steps anyone can take TODAY to say goodbye to generational poverty and financial illiteracy.  

In our latest community-wide program offering, three families were successful in getting their money house in order and they were able to become first-time homeowners! Successfully using our tools and changing their mental “money confidence,” their dreams became REALITY - within a matter of months.

We believe true financial wellness starts at home with the whole family.  When Dollars and Good Sense – Family Fun Money Games™ happens, everyone in the house from age 3 to 103 can play, contribute and your kids and grandkids can grow to be Smart Money Commanders™ for LIFE! 

Imagine the money wellness gift you can give your kids – for the next 60 or 70 years of their life!  That is true legacy-building that can change the world.  In fact, this is a KEY aspect of what it WILL take to make our world better and safer – after all, our kids and grandkids ARE our future! 

financial literacy questions


We believe for a family to have financial success - they need simple tools, supported by experts who care about the ENTIRE family’s money wellness success.  This will drive success for today, tomorrow and the next 20+ years.

So, can you see how money really does make the world go around?  After all, financially healthy families are the heartbeat of healthy communities, of healthy states, healthy countries – and yes, vital to a healthy world. 

Debbie Todd

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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Debbie Todd, CPA

As the eldest child of a humble, yet proud and dedicated military family, Debbie grew up learning first-hand the value of not having enough, of making your money stretch…as well as understanding how quickly impulsive choices can get you trapped on the never ending cycle of the money madness roller-coaster!  


The first child in her blue-collar family to finish college in her early 30s while raising children of her own, Debbie knows it really is possible to change your circumstances and realize your dreams…one dedicated step and one focused decision at a time.  

With over 20 years as a licensed CPA in public accounting as well as nearly 14 years in public finance in the utility and healthcare sectors, Debbie was running the Treasury Department of a $2 billion a year academic medical center when the 2008 financial meltdown hit. 


While successfully navigating her team through “the Great Recession”, Debbie found an increasing number of families who were simply being devastated financially.  Her heart turned to channeling her money passion to holistically help families learn and grow in their core financial knowledge.


The single most common regret Debbie has heard clients and friends say is that they wished they had learned better money skills themselves so they could teach their kids and grandkids. She also believes that “tomorrow’s philanthropists and world-changers are sitting in booster seats today.”


It is the perfect backdrop for teaching practical, FUN and financially sound money habits.  If you can ENJOY “getting your money smarts hat on” as well, then so much the better, right?  


Imagine how simple and smart money choices can transform you and your child’s ENTIRE life…for 50 to 70 years!  That’s truly peace of mind.  It’s an investment that builds a legacy of hope and impact.  It’s amazing how just a few simple, FUN and effective tools can make this your reality. 


After all, it takes financially healthy families to build financially (and socially) healthy communities, states, countries and, ultimately, a financially (and socially) healthy world

Debbie's Online Presence:



Today's Panelists

Budgeting Made Easy – How To Get Good At Budgeting When You Hate Budgeting

This week we discuss how to think about budgeting when you don't want to think about budgeting. 

This is a great episode where we discuss a number of related topics to help you improve your money mindset, setting your intentions, making more money vs cutting expenses, creating passive cash flow, how to live on the go with no permanent residence, and more. It is a budgeting made easy episode.

Nick truly (no pun intended) is one of the most interesting people we have interviewed on this show. While I shy away from keeping up with the Joneses and FOMO, Nick takes this line of thinking to a whole new level. He caused me to reexamine my premises. This is something we all should do from time to time.


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Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Nick True

Nick True is a married twenty-something from Tennessee and father to four fur-children. Through their YouTube channel and podcast, Nick & his wife Hanna write and speak about personal finance, budgeting, and Slow-FI, all while traveling full-time in a 27ft Airstream. Nick is passionate about teaching people to enjoy their money now, while also saving and investing for the future. 

Nick's Online Presence:


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Today's Panelists

Current Market Conditions Update, Types of Wealth Management Firms, and Barbipedia

The stock market is approaching all time highs... yet unemployment is somewhere between 13-20%. Prior to the selloff It was below 4%. What am I missing???

How should an investor invest in this market? 

Buy and hold, DCA, market timing, or another secret strategy...

We discuss these issues, the 5 types of wealth management firms, and Barbipedia. We had a lot of fun on this episode. Join us for and market update.

types of wealth management firms


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Sign up to be one of our Money Tree Ultimate Insiders. You will have instant access to new episodes, automatically have access to our monthly giveaways, and the potential to be a guest panelist on our show


Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Panelists

The History of Money Interview With John Sneisen

Have you ever wondered why there is such a large wealth gap in the US?

Do you know why the middle class is disappearing?

Have you thought about why our financial system is so unstable?

You might be surprised at the answers to these questions. You don't have to look far, because the answers are found in the history of money. Join us this week as we interview money historian, John Sneisen on our show.

history of money


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Sign up to be one of our Money Tree Ultimate Insiders. You will have instant access to new episodes, automatically have access to our monthly giveaways, and the potential to be a guest panelist on our show


Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  John Sneisen

John is a Best-Selling Author of two books: The End of Freedom: How Our Monetary System Enslaves Us(2014), a world bestseller in the category of Financial Risk Management. Canada, The Greatest Economy In The World? (2015) Which has been a Canadian bestseller in many categories, including Economics, Finance, Macroeconomics and Financial Risk Management. The End of Freedom is an overview over 3000 years of history of money and how monetary pattern repeats themselves throughout history and how to mitigate the hit of these risks. Canada, The Greatest Economy In The World? is a book that takes a grand view of the Canadian Economy and points out the many dangers lurking in the Economic dark that most politicians and economists are not aware of or ignorant of.

 

John is an international speaker. He has spoken in 6 countries on three topics in two languages. John is working closely with world best-selling author G. Edward Griffin as a Leadership Council member of Freedom Force International. John has been interviewed and featured on various Alternative Media and Mainstream Media CBC, BBC, CTV and Citytv. He has written 100's of articles, and some have been featured in InvestitIn, Billionaire Chronicle and The Dollar Vigilante Newsletters. He has also advised two Blockchains Companies, one in the Real Estate sector and one in the Ratings and Review sector.

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Today's Panelists

Smart Beta vs Dumb Beta … Which is Better? A Discussion About ETFs

Is your ETF employing the best strategies for this market?

This week we discuss ETFs and why you should consider them for your portfolio.

We discuss the difference between mutual funds and ETFs, active and passive ETF strategies, Smart Beta, ex-out indexing, quant strategies, gold, and more. 


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Sign up to be one of our Money Tree Ultimate Insiders. You will have instant access to new episodes, automatically have access to our monthly giveaways, and the potential to be a guest panelist on our show


Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  Will Rhind

Will Rhind is the Founder and CEO of GraniteShares, a New York City-based ETF issuer that seeks to launch innovative and disruptive investments. Will is an established ETF entrepreneur with more than 20 years of experience in the industry. Prior to founding GraniteShares, he served as the CEO of the world's largest gold ETF owned by the World Gold Council. He was also a senior executive at ETF Securities from 2007 to 2013 as well as a principal at iShares and one of the original team members in Europe.

Will spends his time outside of GraniteShares with his wife and three children. He’s on the Board of Directors of the Bath University Foundation, has a passion for classic cars, Manchester United, and travel – especially back to his roots in Aberdeen, Scotland, “The Granite City.”

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Today's Panelists

Social Security Benefits: What You Need To Know About Maximizing Your Benefits

Are you trying to maximize your social security benefits? 

Confused by the complexity of when to apply?

Looking for someone to make it easy?

This week we interview a social security expert, Devin Carroll about the best practices, helpful tips and tools you can use to optimize your social security benefits.


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Sign up to be one of our Money Tree Ultimate Insiders. You will have instant access to new episodes, automatically have access to our monthly giveaways, and the potential to be a guest panelist on our show


Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Panelists

The 5 F’s of Financial Fraud

The 5 F's of Finance discusses financial fraud, why it happens, how to protect yourself against it, why smart people are more susceptible to it and more.

The best part about this episode is literally the day we recorded it I got an email that hit all 5 Fs on their first outreach. It was priceless. Most frauds are easy to spot to the trained eye and the diligent investor.

This special episode is the start of a series we are doing on financial fraud.

This is a must listen episode...


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Never miss out on a new episode! Subscribe using your favorite podcast app.

Listen on
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Sign up to be one of our Money Tree Ultimate Insiders. You will have instant access to new episodes, automatically have access to our monthly giveaways, and the potential to be a guest panelist on our show


Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest: Stan Haithcock

Stan The Annuity Man is America’s top independent agent & annuity educator.  He is licensed in all 50 states, has published 7 books on the subject, and has written over 400 articles on the controversial annuity topic.  Known as “the walking middle finger of annuity truth”, Stan only focuses on the contractually guaranteed transfer of risk benefits that annuities can provide.  He has offices in Ponte Vedra Beach & Las Vegas, and has over 3 decades of experience in the financial services industry.

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Today's Panelists

Are Generation 4 Nuclear Reactors The Holy Grail of Energy? Mark Schneider Explains What We Don’t Know About This Secret Trend

This week we discuss the best trend you have never heard of... Generation 4 Nuclear Reactors 

Think about all the problems you think you know about nuclear energy... Those are all solved with generation 4 nuclear reactors. 

This week we talk with the leading expert in nuclear energy who has the ear of both political parties. Big changes are afoot. Find out how you can participate in the trend.


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Sign up to be one of our Money Tree Ultimate Insiders. You will have instant access to new episodes, automatically have access to our monthly giveaways, and the potential to be a guest panelist on our show


Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest: Mark Schneider

Mark Schneider is a nuclear futurist and a leading expert in emerging Gen IV Nuclear. He has a Bachelors Degree in Nuclear Engineering Technology and has spent 20 years working with advanced, small-scale reactors within the US Naval Nuclear Power Program.

Mark dedicates himself to educating the public about the implications of Gen IV nuclear technology. 

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Today's Panelists

The Wealthy Gardner Interview with John Soforic

Looking to create $20,000 a month in passive income?

We interview the Wealthy Gardener, John Soforic, about how he turned his humble beginnings into a strong passive cash flow, retired at 49 years old and why he has decided to teach others his secrets.


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Never miss out on a new episode! Subscribe using your favorite podcast app.

Listen on
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Sign up to be one of our Money Tree Ultimate Insiders. You will have instant access to new episodes, automatically have access to our monthly giveaways, and the potential to be a guest panelist on our show


Looking for a better way to invest? 

Consider Betterment.

It doesn’t cost much to start, and you get access to a portfolio built around your risk tolerance and your goals. Using Modern Portfolio Theory, pioneered by a Nobel laureate, Betterment can help you build wealth without getting caught up in the noise of the market.


Today's Guest:  John Soforic

John Soforic (so-4-ic) achieved financial freedom at 49, retired and then wrote a book for his son called The Wealthy Gardener: Lessons on Prosperity between Father and Son. The book sold 50,000 copies in its first year, became an Amazon bestseller, was translated into three foreign languages, and was recently bought by Penguin.

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Book References:


Today's Panelists