Best friends Jess and Des just vibing and having a great time. Doing our favorite thing hanging out with each other talking about every and anything.
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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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A podcast with zest and flavor, sprinkled with adventures, stories and legit reporting on the human experience through language and culture.
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La Sala Talks es un espacio en YouTube que rompe con la línea tradicional de los talk shows. Esparciremos sobre nuestra mesa redonda una gran variedad de temas con el propósito de provocar el pensamiento crítico sin dejar de divertirnos. ¡Acompáñanos! La Sala Talks is a space that breaks with the traditional line of talk shows. Where we touch a wide variety of topics around our round table with the purpose of provoking critical thinking and having fun while we do so. Join us! Host and co-hos ...
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Um canal dedicado à discutir sobre estética.
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Welcome to The Newcomers ON FIRE! Show, hosted by Miguel Abascal. Get ready to be inspired by the stories of people just like you – newcomers who have faced tough times, embraced challenges, and found their way to success. Join us as we dive deep into the journeys of our guests, sharing their amazing stories, the tough times they’ve been through, and the moments when they overcame big challenges. Listen in to learn how they used their inner strength to take control of their time, build stron ...
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Send us a text Another Reddit Rift! Enjoy a variety of stories. Let us know what you think about these stories any opinions or thoughts we may have missed. Let us know if you have any feedback on this episode format. We appreciate you for spending sometime with us!! Please don’t forget to send us in any stories or problems or anything you want to h…
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28. Reddit Rift x1
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Send us a text This week in the abyss we are debuting our Reddit Rift episode style! Enjoy a variety of stories. Let us know what you think about these stories any opinions or thoughts we may have missed. Let us know if you have any feedback on this episode format. We appreciate you for spending sometime with us!! Please don’t forget to send us in …
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Money Magic: Unleashing the Genie in Your Finances with Cara Macksoud
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In this episode of Real Money, Real Experts, we sit down with Cara Macksoud, the dynamic CEO of Money Habitudes, who shares her remarkable journey from a 15-year career on Wall Street to becoming a leading voice in the behavioral finance space. Cara’s insights reveal how money is more than just numbers—it's a tool with its own hopes and dreams. We …
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27. No Wings...
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Send us a text Thanks for listening we appreciate you! Follow us on Instagram, Twitter, & Facebook https://linktr.ee/speakingintotheabyss Send Submissions to https://docs.google.com/forms/d/e/1FAIpQLSeMoyc8IwcGFhsudfMM496dQSASO8ctt9YL3_C6arG_KDHxyA/viewform?usp=pp_urlJessica Medina, Desteny Alvarez
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26. Very Demure
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Send us a text On today's episode meet our new intern! Catch up with us weekly How we feel and what we've watched recently. Are you demure? What is? Cats; where should they poop? Is it outside, inside a litter box, or a toilet? Next have you seen these viral videos? College antics before we discuss dating superheroes. Taylor L. and Taylor L. am I r…
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Empowering the Next Generation with Dr. Tiffany Murray, AFC®️
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In this episode of Real Money, Real Experts, we sit down with Dr. Tiffany Murray, AFC®️ the Managing Director of the Society for Financial Education and Professional Development, Inc. (SFEPD). Tiffany shares her journey from leading Red to Black®️ Peer Financial Coaching at Texas Tech University to becoming a driving force behind SFEPD’s financial …
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25. Teenagers Scare The Living Sh*t Out of Me
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Send us a text ***** 48:20 - 57:20 TW: True Crime, Drugs, Sexual Assault, Abuse ***** This week in the abyss join us, we kick it off with our weekly check ins. Jess talk about cutting kid’s hair and we talk about how scary teenagers are! We reminisced on going to school. How many schools did you guys go to? We dive into chatting about some movies a…
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24. The One with Aphantasia
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Send us a text We kick this episode off with some SLC Punk! Followed up by an incredibly touching and sad movie! What the hell is Aphantasia??? Learn what that means! Healing lifestyle suggestions Should we be able to experiment on people in order to find out more? are *they* already doing this? Ending it with an IGOR quote and remember "when life …
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Pursuing Your Passion with Jessica Medina, AFC®️
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"Would you believe that all of those things are part of the AFC program? It's like a warm, fuzzy blanket that I wear at night." Jessica Medina is not throwing away her shot. This week on Real Money, Real Experts, we welcome Jessica Medina, a dedicated Accredited Financial Counselor®️ who transitioned from a career in law to follow her true passion.…
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Send us a text Today Jess and Des discuss gun violence, having enemies, road rage, bad work energy, and a couple viral videos. Have you seen IGOR? Jess finds us 7 would you rather questions, it's time to get deep, answer along with us! We reached 500 DOWNLOADS and this is episode 23!! THANK YOU ALL SO MUCH! We appreciate you, the listeners for all …
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22. Jawbreaker and Games
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Send us a text This week in the abyss we talk about therapy, new games, our sushi cravings, we chat about the benefits of working from home, prison reform, we weave through diverse topics with ease. Thought-provoking hypotheticals about pet immortality, childhood sports memories, emphasizing personal growth and the power of a solid support system. …
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Advocacy in Action: Using Your Voice to Make a Difference with Raven Newberry, AFC®
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This week on Real Money, Real Experts, we delve into the power of community and advocacy with Raven Newberry, AFC®. Raven Newberry is the managing director of policy and advocacy for the National Endowment for Financial Education (NEFE), leading efforts to shape financial education policies on state and national levels. In this episode, we discuss …
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21. Shot Only Heard in One Ear
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Send us a text Join us this week in the abyss to kick off this episode we do our weekly check ins, and great news we're doing better than last week! Then we get into a conversation discussing that viral quinceanera video with a very inappropriate dance. If you had a child would you let them have do a performance like this? Have you heard any of the…
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20. Firework Fiascos
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Send us a text Join us in the abyss! In today's episode we start off with our weekly check in and unfortunately we've been not been well. Can we blame the moon or mars? Are you doing well? After that we're talking about our pups getting anxious because of fireworks. We give a few tips we heard of that may help. Do you guys have anxious pets, what d…
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Rewrite Your Money Story with Jasmine Johnson
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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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From Refugee to Corporate America: Andres Gutierrez's Inspiring Newcomer Story
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Andres, a successful immigrant to Canada, shares his journey and offers practical tips for settling in a new country and achieving professional success. He emphasizes the importance of having the right mindset, developing leadership skills, surrounding yourself with positive influences, and finding mentors. Andres also highlights the need to fully …
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19. Dream Serum
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Send us a text Tune in this week and join us in the abyss. We start off the episode with our weekly check in. You’ll never guess how many Fortnite wins we got in our last gaming session! Did we dance on you this weekend? Then we’re reading our top 3 submissions from our listener appreciation giveaway. We dive into some weird dreams. Do you lucid dr…
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Send us a text We’re talking tip culture! Do you tip? If so, is it based off of how good the service was? Or do tip using your soul as a compass ? Imagine crashing your car trying to pull a prank, Des tells us how it nearly happened this week! We get into our weekly check in no sleeping, graduation parties, spotting Brother, Let's Talk Pod in the w…
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Navigating Cultural Differences with Dr. Kate Mielitz, AFC®
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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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Send us a text Today we discuss Inside Out 2 a Pixar animated film We discuss the pay differential between voice actors. And don't miss out on the contest, there's still time! About a week Be careful! Spam bots and scams, do you know how to spot them? We also talk tattoos. It's important to learn the difference between good and bad tattoos, do you …
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16. Self Care Stuff
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Send us a text Spa day, let us tell you about it! What do you do to take care of yourself? In today's episode we also tell you about our CONTEST keep listening for details! Time stamp possible TW for abuse and SA 36:00-37:50 Again we cover a couple movies and games, check out some of those: Bad Boys Big Momma's House Killer Klowns from Outer Space …
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The Heart of A Financial Educator Unlocked with Mike Lanway
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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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15. It's Okay to Cry
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Send us a text TW abuse/assault/ER/parental abuse: 29:00 - 39:50 To cut your hair or not to cut? That's the question Does anyone still "do" checks? If you do what's the benefit? The dangers of VISINE and how to avoid being poisoned. Gratitude corner, join us in reflecting on what you are grateful for. Then count how many times we say memory. Are yo…
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14. The Repeat Offender
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Send us a text A mystery is afoot, or should I say feet... find out what? or who? Jess went to see Garfield, find out if you should stay for the end credit scenes. She also went to a sick ass show, find out who it was. How far would you go to get a crush's attention? The Internet is booming with ideas! Do you donate or let people borrow money? What…
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Elevating Nonprofit Financial Coaching with the AFC with Christine Niccoli and Nathalie Kallab Racimo
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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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13. I'm a Vegetarian and I ain't F*cking Scared of Him
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Send us a text You got beef? Not us but Drake and Kendrick do. Listen to a cute clip of a new and upcoming podcast titled "Bestie let's talk" Jess recounts her days at the UNTZ festival We talk about kids shows and PeeWee Herman, did he expose himself, or was he just a victim to busting a nut? Of course we cover a few movies some are The Strangers,…
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12: Dreams and Stuff
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Send us a text Talk about nightmares! Nightmare fuel, reoccurring dreams, and Chucky? Do you have a dream involving Chucky? How do you confront someone? Does it matter if they're close to you or not? This and more on today's episode. Thank you for joining us into the Abyss Thanks for listening we appreciate you! Follow us on Instagram, Twitter, & F…
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How To Be A Servant Leader with Gilbert Rogers
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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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11: Chicka and Ryan Gosling
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Send us a text We cover a lot of movies this episode, Jess watched three in the theaters this week! Slow recovery for Des, find out why AND why we are recording two episodes in a row. Some conversation about Fall Out New Vegas and the Lottery Next episode we do a little more about us check it out! Come join us in the abyss! Thanks for listening we …
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10: No Sink in Sight
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Send us a text This week Jess is still tired… and Des has a soap situation. Des tells us about Whispering Vine Restaurant and her appreciation for good moms. Then we delve into a particularly sad story that happened which highlights a mom making poor decisions with her child. We get deep and start talking about grief and the loss of loved ones. The…
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The Journey to 100 Episodes with Rachael & Mary
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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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Send us a text Starting off the pod with catching up, we are both tired. we chat about a flea market and being busy. We talk about Fallout the T.V. series and follow up with our week, what we have been watching and gratefulness. Jess asks a couple questions, before we get into your written questions! What's your astrology sign? Thank you for joinin…
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8: Bad Pretzels
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Send us a text This week we start with our weekly emotional/ gratefulness check ups, and of course Jess and Des talk movies/TV! We’re talking solar eclipses and how they relate to bathroom emergencies, fast fashion and how it ties into mall culture and more! Join us in the abyss! Thanks for listening we appreciate you! Follow us on Instagram, Twitt…
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Purpose, Passion, and the Power of Pivoting with Lissa Prudencio
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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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Temporada 2- Matheus Castro
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Livia Moura e Paula Bosi
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The Power of Volunteering: Insider Secrets with Jessica Pang-Parks (NOF#17)
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Jessica Pang-Parks, a renowned leader in the volunteer engagement space, shares her invaluable expertise on leveraging volunteering as a powerful tool for newcomers. From understanding the significance of volunteering in Canadian culture to finding the right opportunities and maximizing their benefits, Jessica provides practical strategies and acti…
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Send us a text Another week of what we are grateful for and our show recommendations. Jess was yelled at, Des went to the therapist, and went on a small trip to the emergency vet with a stranger. Find out why. Do we have more than one self? P Diddy, no more 99 Cent stores, and changes in location are some of the final topics. extradited and expedit…
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From Newcomer to Mompreneur: The Journey of Creating a Healthier Baby Food Alternative with Carmen Bautista and Luis Medina (NOF#16)
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Carmen and Luis, a power couple who navigated the challenges of starting over as newcomers in Canada. Carmen, a dietitian by profession, shares her story of transitioning from a regulated career to becoming a successful mompreneur. You'll learn how she identified a gap in the market for a healthy, plant-based baby food option and turned her passion…
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6: To Birthday or Not To Birthday
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Send us a text Jess tells us about her first day at the salon, and then after we talk eating out...raw or cooked sushi only? Let's move onto movies, that includes Godzilla minus 1, Godzilla x Kong, and chicken run; dawn of the nugget. Des tells a story about how an older woman was shocked at her face before we move onto gratefulness including EDM m…
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Leading with Values and Stories with Sara Lohse
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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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5: Nickolodeon and Strong Opinions
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Send us a text *** TW @ 51 Minutes Sexual Assault Regarding Minors *** Stale popcorn, leveling up and experiencing new music to start it off today. Therapy is a big discussion between us. We express our appreciation while keeping it light hearted. Jess helps answer a write in about EDC, tips include what to bring and what isn't allowed. We discuss …
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4: Cute Dogs and TikTok
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Send us a text We discuss books we are currently enjoying as well as past ones. Questionable activities on tiktok and random Internet questions. One of us fell on their butt in a famous place while the other one has anxiety from chain letters. We wish a happy birthday to two close people before answering an AITA written in by a listener. Join us in…
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Building Bridges: A Journey of Passion and Purpose with Lynne Patterson
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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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3: The Lighter Side of Life with a Dash of Deep Thought
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Send us a text We started off by catching up and checking in, discussing opportunities and adventures, before moving on to movies new and old. We wish a special happy birthday, and we cleared the air before moving on to some true crime, including a case close to our hometown. Do you have text neck? Maybe. We talk about it and sitting on the toilet.…
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Winning the Ontario Colleges Marketing Competition: Secrets of Success from Sanaz Bahadori and Livia Barbosa de Oliveira (NOF#15)
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Sanaz and Livia, were two newcomers who defied the odds and emerged as champions at the prestigious Ontario Colleges Marketing Competition (OCMC). Through their gripping stories, you'll discover practical strategies for conquering self-doubt, embracing a growth mindset, and mastering the art of pitching and presenting. Prepare to be motivated as th…
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2: Solitude in Space and Laughter on Earth
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Send us a text In this episode, we journey through the realms of both space and the human spirit. Our discussion begins with Adam Sandler's new movie, "Space Man.” We segue into a segment dedicated to gratitude, emphasizing the importance of mindfulness and appreciation for the simple pleasures in life—healthy pets, the strength of friendships, and…
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Shake Off Financial Stress: Real-Life Money Smarts with Amanda Christensen
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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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1: Entering the Abyss
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Send us a text Today's episode is us getting into the "abyss" for the first time, join us! We chat about video games, shows, starting a podcast, it's challenges, and the Internet! Thanks for listening we appreciate you! Follow us on Instagram, Twitter, & Facebook https://linktr.ee/speakingintotheabyss Send Submissions to https://docs.google.com/for…
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My Thick Accent is My Superpower with Gurasis Singh (NOF#14)
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Gurasis Singh, moved from India to Canada to study Media Strategies and Advertising. He faced numerous struggles like finding housing, lost job opportunities, and cultural barriers related to his strong accent and appearance. However, Gurasis persevered through networking, persistence and maintaining a positive mindset. He shares his journey to ove…
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Authenticity Unleashed: Embracing Your Superpower with Amy Smith
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23:13
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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