Stuff About Money They Didn't Teach You In School

Walking away from your job is hard, no matter what your job is. With it comes financial questions that you’ll have to answer. Whoever you are, being financially literate will surely make those questions easier and less scary to answer! Erik Garcia, CFP®, BFA, and Xavier Angel, CFP®, ChFC, CLTC, are joined in this episode of Stuff About Money podcast by former educators Ali Simon and JoDee Scissors...

In this installment of the Stuff About Money podcast, Erik Garcia, CFP®, BFA, and Xavier Angel, CFP®, ChFC, CLTC, are joined by TikTok sensation Daniel Seong to discuss growing wealth from nothing and how to be role models for your kids and others around you.  They chat about the importance of "operating with the end in mind" instead of getting lost in the process, and how Daniel's teaching his ki...

Marriage is such a beautiful thing! Sealing the deal with your beloved can be magical! Y'all don’t want ANYTHING to get in the way of your burgeoning marriage - so it’s a good idea to talk about your finances BEFORE the wedding, not after. In this episode of the Stuff About Money podcast, Jessica Burke of NOW Weddings Magazine joins Erik Garcia, CFP®, BFA, and Xavier Angel, CFP®, ChFC, CLTC, to ta...

What comes to mind when you think about weddings? The happy couple? Wedding cake? A bumping reception? Wedding cake? Maybe the kiss? Or, perhaps, the wedding cake? What about the finances? In this episode of the Stuff About Money podcast, Jessica Burke of NOW Weddings Magazine joins Erik Garcia, CFP®, BFA, and Xavier Angel, CFP®, ChFC, CLTC, to talk about getting married and how it’s going to hit...

If you have money invested in the stock market, there's a good chance the recession is on your mind. Will high inflation lead us to a recession? What about the mid-term elections? And when will the stock market be normal again? In this episode, Xavier Angel, CFP®, ChFC, CLTC, and Erik Garcia, CFP®, BFA, are joined by Kevin Caron, CFA, Senior Portfolio Manager and co-founder of Washington Crossing...

Mistakes are abundant. We’ve all made them! Mistakes with our money, though, might be among the scariest - so it’s worth getting to know some of the most common ones to try to avoid them. In this latest installment of the Stuff About Money podcast, Erik Garcia, CFP®, BFA, and Xavier Angel, CFP®, ChFC, CLTC, chat about common financial mistakes - some they’ve made themselves! - one of those being f...

For everyone that’s a 401k investor out there: How well do you understand your investment? Some might know more than others, but no matter how much about retirement investing you know, being familiar with the concepts on this list can give insight, clarity, and confidence to the investment process. In this episode, Xavier Angel, CFP®, ChFC, CLTC, takes the show on the road (perhaps “golf course” i...

Life insurance. It’s boring, we get it. But it’s one of the tools you can use to secure your financial well-being, so it’s worth having a conversation about what it is, what it does, and when you might need it. In this episode of the Stuff About Money podcast, Erik Garcia, CFP®, BFA and Xavier Angel, CFP®, ChFC, CLTC, discuss that very topic, covering even the difference between different types of...

Should you hire a financial advisor? Are they worth the money? What are the reasons to hire an advisor, and are they worth it?  In this episode of the Stuff About Money podcast, Erik Garcia, CFP®, BFA and Xavier Angel, CFP®, ChFC, CLTC discuss 3 reasons why you'd want to hire a financial advisor. Episode Highlights: Erik explains that he wishes he had known not to try to accumulate in five years w...

Trust is important, whether you're finding an insurance agent you're comfortable with, managing finances as a married couple, or building it as a business owner. In this episode of the Stuff About Money podcast, Erik Garcia, CFP®, BFA, and Xavier Angel, CFP®, ChFC, CLTC, are joined by the entrepreneur (and #41st in the world in Oculus golf) Bradley Flowers of The Insurance Guys Podcast and Portal...

Most Americans believe parents should teach their kids about money, but the reality is parents rarely engage their kids in healthy conversations about money. In this episode of the Stuff About Money podcast, Erik Garcia, CFP®, BFA, is joined by family therapist Dr. Roy Salgado to discuss how parents can engage with their kids in healthy conversations about money. Episode Highlights: Dr. Roy Salgad...

Listen in on this candid conversation about money and happiness, student loan debt, life priorities, and what defines successful entrepreneurs. Tulane business professor Rob Lalka joins Erik Garcia, CFP®, BFA, and Xavier Angel, CFP®, ChFC, CLTC, in this episode of Stuff About Money They Didn't Teach You in School. Rob is actually teaching this stuff in school! Rob Lalka also serves as Executive Di...

It's scary to invest right now! In this episode of the Stuff About Money podcast, Erik Garcia, CFP®, BFA, and Xavier Angel, CFP®, ChFC, CLTC answer listener questions on investing in down markets. Is it a good time to invest? Should I pay off debt with my investments instead? What happens if we have a recession? Episode Highlights: Erik and Xavier encourage everyone to submit podcast questions or...

How much should you save? It seems like a simple enough question. In this episode of the Stuff About Money podcast, Erik Garcia, CFP®, BFA, and Xavier Angel, CFP®, ChFC, CLTC, break down what you need to consider before answering that question. They explore values, goals, and the various types of savings. If you are working towards financial independence, lean into this episode. Episode Highlights...

Have you ever talked to yourself when you're stuck in traffic? Well, in this episode of the Stuff About Money podcast, Xavier Angel, CFP® shares his conversation with himself about financial procrastination while at a dead stop on the interstate. Then, Erik Garcia, CFP® shares 3 ways we procrastinate with our finances, and both Erik and Xavier share steps to overcoming financial procrastination. E...

Two men, generations apart, overcome incredible odds on their way to achieve financial success. Thick skinned, dogged determination, and an unrelenting drive is sometimes what it takes to have financial success in America. Erik Garcia, CFP®, and Jason Cass sit down with Felix Garcia and Ebens Jean as they share their journey to an unfamiliar land, seeking opportunities their motherland's could not...

In this episode of the Stuff About Money podcast, Erik Garcia, CFP® sits down with fellow podcaster Mitch Gibson to discuss how to build financial margin in your life. Margin doesn't just happen, you need to fight for it. Episode Highlights: Erik introduces Mitch Gibson and shares how they met. (2:29) Mitch discusses the importance of having buffers around his time management. (5:10) Erik points o...

Dave Ramsey is one of the biggest names when it comes to personal finance, and a lot of his advice is very good. But, in this throwback episode of "Plan Wisely with Erik Garcia", Erik takes issue with 4 of Ramsey's investment philosophies: Looking for a 12% annual return on your investments Planning for an 8% withdrawal rate in retirement Promoting Only Mutual Funds Asset Allocation Erik breaks do...

All investing involves some level of risk. The role of the financial planner is to create a risk profile for investors so that investment recommendations match the investor's financial and emotional aptitude. In this episode of the Stuff About Money podcast, Erik Garcia, CFP® and Xavier Angel, CFP®, ChFC, CLTC, discuss with Dr. John Grable, Ph. D., CFP®, of the Financial Planning Performance Lab a...

There are many factors that determine your interest rate when getting a mortgage. In this episode of the Stuff About Money podcast, Erik Garcia, CFP®, and Xavier Angel, CFP®, ChFC, CLTC, discuss all things mortgages and credit scores with mortgage lender Jason Gauthier. Episode Highlights: Jason talks about his background, education, and how he got to where he is today. (2:40) Jason shares somethi...

In this throwback episode from "Plan Wisely with Erik Garcia", Erik and Jag are joined by licensed family therapist Roy Salgado to discuss how we can teach our kids healthy financial habits. There are 4 common responses to kids when they want you to buy something: No. We do not have money for that. No. You don’t need that. Maybe you can ask for it for your birthday/Christmas. How about you start s...

It is the habits that we establish personally and professionally that will ultimately decide the success or failure we experience with our money.  In this episode of the Stuff About Money podcast, Dr. Billy Williams shares with Erik Garcia, CFP® and Xavier Angel, CFP®, ChFC, CLTC, his secrets to his financial success. Episode Highlights: Dr. Billy Williams shares his story and discusses what he le...

In this throwback episode from 2019, Erik Garcia, CFP®, shares his 4 point plan for prepping for the next recession. Experts disagree on when the next recession will come, but the markets are cyclical, which means that eventually, a recession will be upon us sooner or later. If you’re concerned about an economic downturn, you aren’t alone. Erik breaks down some of the market terminologies you ofte...

Which type of IRA is better for me, a traditional IRA or a Roth IRA? What are the advantages of each? In this episode of the Stuff About Money podcast, Erik Garcia, CFP® and Xavier Angel, CFP®, ChFC, CLTC, discuss 6 frequently asked questions about IRAs. Episode Highlights: Erik discusses the variations and differences between a Traditional and a Roth IRA. (4:01) Erik explains when and which IRA t...

In this throwback episode from "Plan Wisely with Erik Garcia", Erik Garcia, CFP®, and guest Dr. Matt Morris, family therapist, discuss how to stay sane during financially trying times. Resources: Link to Video Matt referenced Link to subscribe to Erik’s YouTube page Dr. Matt Morris Website and appointments Erik Garcia on the Web Erik’s e-book: The 5 Pillars of Financial Security