Stuff About Money They Didn't Teach You In School
Hosts Erik Garcia and Xavier Angel, both CERTIFIED FINANCIAL PLANNER™ professionals, tackle the personal finance topics that traditional schooling overlooks. Each episode aims to fill the gaps in money education, offering practical guidance on building wealth and making smarter financial decisions. With a back-to-school spirit, the podcast makes complex money concepts accessible to listeners at any stage of their financial journey.
Episodes
Building Wealth When You’re Just Starting Out
What if you’re not behind financially? What if you’re just getting started? In this episode of Money in Real Life, Stuff About Money co-hosts Xavier Angel CFP®, ChFC®, CLTC®, and Erik Garcia, CFP®, BFA™, tackle the pressure young professionals feel to build wealth while paying down debt, starting careers, managing everyday expenses, and still trying to enjoy their lives.
Xavier and Erik explore w
Building Wealth When You Don’t Feel Wealthy
What if the biggest thing keeping young adults from building wealth isn’t how much money they make, but believing wealth is even attainable? In the second episode of Money in Real Life, Xavier Angel, CFP®, and his daughter Caitlin tackle the question that naturally follows their first conversation: I know what I want my money to make possible, but how do I actually get there?
Xavier and Caitlin t
What Does Wealth Mean to You?: A Father-Daughter Conversation
What does “building wealth” mean when you’re still trying to figure out rent, your career, debt, relationships, and adulthood?
In this episode of Stuff About Money They Didn’t Teach You in School, Xavier Angel, CFP®, sits down with his daughter, Caitlin, for a conversation that started when she gave him some unexpected feedback: “I don’t think you should give this presentation.” Xavier had built
Your Thoughts Shape You. Your Habits Build You. Your Choices Define You
In the final episode of the series, Erik Garcia, CFP®, ChFC®, BFA™ and Dr. Matt Morris, LMFT bring together the core ideas explored throughout The Psychology of Money. They revisit the framework that ties the entire series together:
Your thoughts shape you
Your habits build you
Your choices define you
The conversation expands beyond investing and budgeting into fulfillment, relationships, iden
Is Financial Control an Illusion?
How much control do we really have over our financial future? In this episode, Erik Garcia, CFP®, ChFC®, BFA™ and Dr. Matt Morris, LMFT explore the tension between external circumstances and personal responsibility. While economic conditions, inflation, taxes, and unexpected crises are outside anyone’s control, the conversation highlights the many financial choices that still remain firmly within
Love, Trust, and Money
Money is rarely just about numbers inside a relationship. In this episode, Erik Garcia, CFP®, ChFC®, BFA™ and Dr. Matt Morris, LMFT unpack why financial conflict in marriages and partnerships is often rooted in deeper emotional needs like trust, security, control, communication, and vulnerability.
Drawing from years of counseling couples and advising families, they discuss financial infidelity, p
Your Past Financial Mistakes Are Not Your Identity
Everyone has financial regrets. In this episode, Erik and Dr. Matt tackle the emotional weight people carry from past financial decisions — debt, overspending, failed investments, divorce, financial scams, and seasons of instability. The real danger, they explain, isn’t the mistake itself; it’s allowing the mistake to become an identity.
Dr. Matt introduces the difference between guilt and shame:
Motivation Won’t Build Wealth. Habits Will
Most people believe financial transformation starts with motivation. Erik Garcia, CFP®, ChFC®, BFA™ and Dr. Matt Morris, LMFT argue the opposite: motivation fades, but habits compound. In this episode, they explain why relying on bursts of inspiration or willpower almost always leads to inconsistency — especially when it comes to money.
Using stories from fitness, personal finance, and everyday
Emotions Are Signals, Not Instructions
Money is emotional — and in this episode, Erik Garcia, CFP®, ChFC®, BFA™ and Dr. Matt Morris, LMFT explore why emotions have such a powerful influence on financial behavior. From market volatility and economic uncertainty to comparison, insecurity, and fear of failure, people rarely make purely rational financial decisions. Instead, emotions often drive reactions that conflict with long-term goals
Mindset: Your Financial Beliefs Driving Your Financial Decisions
In the opening episode of The Psychology of Money series, Erik Garcia, CFP®, ChFC®, BFA™ and Dr. Matt Morris, LMFT explore one of the most overlooked drivers of financial success: mindset. Long before people learn how to invest, budget, or build wealth, they develop internal “money scripts” — subconscious beliefs shaped by childhood experiences, family dynamics, culture, and personal history.
Tog
Episode 109: Time, Compounding, and the Truth About Building Wealth
In this episode, Erik P. Garcia, CFP®, ChFC®, BFA™, and Xavier J. Angel, CFP®, ChFC®, unpack a misunderstood truth about building wealth: real wealth takes time. Picking up from their earlier conversations on discipline, behavior, and consistency, they dive into the power of compounding—not just financially, but professionally and personally as well. Through stories, analogies, and practical examp
Episode 108: Consistency: The Hidden Engine of Wealth
In this third episode of the series, Erik Garcia, CFP®, and Xavier Angel, CFP®, uncover what they call the hidden engine behind wealth: consistency. After breaking down the behaviors that destroy wealth and the ones that protect it, this episode answers the real question—what actually builds it. The answer isn’t intensity, timing, or even talent. It’s doing the right things over and over again, lo
Episode 107: 3 Behaviors That Protect Your Wealth: The Disciplines That Keep You From Losing What You’ve Built
In the last episode, we broke down the behaviors that quietly destroy wealth—emotional decisions, lifestyle creep, and overconfidence. But avoiding mistakes is only half the equation. In this episode, Erik Garcia, CFP®, and Xavier Angel, CFP®, flip the conversation and focus on what actually protects wealth once you start building it. Because wealth isn’t just created—it has to be preserved with i
Episode 106: Before You Build Wealth… Stop Destroying It: The 3 Behaviors That Sabotage Your Financial Future (Part 1 of 4)
Before you can build wealth, you have to stop destroying it. Nobel Prize-winning economist Richard Thaler said it best: “People don’t act rationally.” And when it comes to money, that shows up in ways that quietly cost us more than we realize.
In this episode, Erik Garcia, CFP®, and Xavier Angel, CFP®, break down three wealth-destroying behaviors—emotional decisions, lifestyle creep, and overconf
Episode 105: Beyond the Salary: Real Money Decisions for New Pharmacists
Landing that first job feels like the finish line, but for most young professionals, it is really just the beginning. In this episode, Xavier Angel, CFP®, ChFC®, CLTC®, sits down with Christopher Bland, PharmD, FCCP, FIDSA, BCPS, Albert W. Jowdy Professor in Pharmacy Care at the University of Georgia College of Pharmacy, to unpack the real-world financial questions that pharmacists and other gradu
Episode 104: Normal Returns, Broader Markets, Sexy Bonds and Lasagna With Phil Blancato
Erik Garcia, CFP®, ChFC®, BFA™, welcomes back Phil Blancato for their annual market conversation, now a tradition on Stuff About Money They Didn't Teach You In School. Phil is Chief Market Strategist at Osaic Wealth, a regular on Fox Business, and an experienced portfolio manager who brings equal parts insight and humor, including a lightning round that somehow turns the 2026 market into a lasagna
Episode 103: 3 Myths About Building Wealth (Part 1)
In this episode of Stuff About Money They Didn’t Teach You in School, Erik Garcia, CFP®, ChFC®, BFA™ and Xavier Angel, CFP®, ChFC®, CLTC® begin a two-part series on how wealth is actually built and why it often looks boring in real life. In Part 1, they tackle three common myths that derail people before wealth ever has a chance to compound. From the belief that wealth is built by luck or big brea
Episode 102: What 100 Conversations About Money Taught Us
In this milestone episode of Stuff About Money They Didn’t Teach You in School, Erik Garcia, CFP®, ChFC®, BFA™, and co-host Xavier Angel, CFP®, ChFC®, CLTC®, reflect on what they’ve learned after reaching 100 episodes of honest, practical money conversations.
This episode looks back at why the podcast started, the gaps in financial education that inspired it, and the themes that kept showing u
Episode 101: King Cake and the Seasons of Money
In this solo episode of the Stuff About Money podcast, Erik Garcia CFP®, BFA™, ChFC®, reflects on King Cake season in New Orleans, an annual reminder that some things are wonderful precisely because they don’t last forever. Between questionable calorie intake and the collective sugar coma that sweeps the city, Erik is grateful that King cake is a season, not a lifestyle. That rhythm sparks a bigge
Episode 100: Caring for Aging Parents: Why Waiting Is the Most Expensive Option
In this episode of Stuff About Money They Didn’t Teach You in School, Xavier Angel, CFP®, is joined by Shannon Mehaffey Ory, Owner and Senior Care Consultant at Avila Senior Advisors, for an honest conversation about something every family will face but few feel prepared for: caring for aging parents. Whether care needs change slowly or arrive overnight after a fall, hospitalization, or diagnosis,
Episode 99: Should You Wait to Invest When the Market Feels Expensive?
In this episode of Stuff About Money They Didn’t Teach You in School, Erik Garcia is joined by Miles Clark, Senior Analyst at Nasdaq Dorsey Wright, to explore a simple but important question: what’s better—time in the market or timing the market? The conversation opens with a long-term look at how markets have behaved over multi-decade periods and what that data can teach investors when they’re de
Episode 98: Plan Before Life Forces Your Hand: The Cost of Waiting
In this solo episode of Stuff About Money They Didn't Teach You in School, Xavier Angel, CFP®, ChFC®, CLTC, steps behind the mic to wrestle with a tough truth: planning isn’t optional, not if you want control over your future. Fresh off his conversation with Giovanni Arenas about Gio’s life-threatening condition and remarkable double lung transplant, Xavier gets another call that hits just as hard
Episode 97: Your Goals Need a Reframe
In this solo episode of the Stuff About Money podcast, host Erik Garcia, CFP®, ChFC®, BFA™ sits down for a candid one-on-one about goals. Not the shiny, New-Year’s-resolution kind, but the messy, honest kind we whisper to ourselves when no one’s listening. Erik shares two personal moments that reshaped how he thinks about goal setting, including the year Dr. Matt Morris bluntly told him, “You just
Episode 96: Faith, Finances, and Facing Mortality: A Conversation with Gio Arenas
In this moving episode of the Stuff About Money They Didn’t Teach You in School podcast, Xavier Angel, CFP®, ChFC®, CLTC, sits down with Giovani Arenas, business partner of Erik Garcia, CFP®, BFA™, ChFC®, at Garcia Insurance Services, to talk about life, death, and everything in between. Gio, who received a double lung transplant just two years ago, shares his remarkable story of resilience and fa
Episode 95: The Three Biggest Money Lies We Tell Ourselves
In this episode of Stuff About Money They Didn’t Teach You in School, hosts Erik Garcia, CFP®, ChFC®, BFA™, and Xavier Angel, CFP®, ChFC®, CLTC®, tackle a hard truth — sometimes, the biggest threat to our financial health isn’t the economy, it’s the lies we tell ourselves. From “I’ll save when I make more” to “I deserve this purchase” and “I can time the market,” Erik and Xavier break down how the
Episode 94: When Money Haunts You — Overcoming Financial Fear by Focusing on What Matters
In this Halloween-themed episode of Stuff About Money They Didn’t Teach You in School, host Erik Garcia, CFP®, ChFC®, BFA™ is joined by Dr. Matt Morris and first-time guest Stephanie Osborn for a fun and insightful conversation about fear, especially the fear of money. The trio starts by sharing their thoughts on scary movies (and why Erik can’t stand them) and explores some New Orleans lingo abou
Episode 93: Can You Afford to Ignore Long Term Care?
In this episode of Stuff About Money They Didn’t Teach You in School, Erik Garcia, CFP®, ChFC®, BFA™, and Xavier Angel, CFP®, ChFC®, CLTC, tackle one of the most important yet often overlooked financial topics: long-term care. The conversation kicks off with a laugh as Erik shares how Xavier nearly got himself kicked out of a professional study group for challenging the conventional wisdom around
Episode 92: Backwards Planning: Start with the End in Mind
In this episode of Stuff About Money They Didn’t Teach You in School, hosts Erik Garcia, CFP®, BFA™, ChFC®, and Xavier Angel, CFP®, ChFC®, CLTC, dive into what they call “backwards planning.” Erik shares a story about driving his daughter to college, where the destination was clear but the journey allowed for meaningful detours that still aligned with their ultimate goal. This idea of starting
Episode 91: A Life Worth Living
What do engineering, entrepreneurship, and divinity have to do with each other? Apparently, more than you think. In this episode, Erik Garcia, CFP®, ChFC®, BFA™, sits down with Tulane professors Rob Lalka, who teaches entrepreneurship, and Matt Escarra, a professor of engineering, to talk about a course that challenges students to ask the big questions. They discuss technology, ethics, purpo
Handling Transitions: How to Navigate Change Without Losing Stability
Change is part of life—but that doesn’t mean it’s easy.
Transitions—whether personal, professional, planned, or unexpected—can shake our sense of identity, rhythm, and control. Even positive change can feel disruptive when it alters what we’ve known or how we’ve operated.
In this episode, Erik Garcia, CFP®, ChFC®, BFA™, and Dr. Matt Morris explore how leaders can navigate seasons of chan
The Art of Executive Communication
You can have the best ideas in the world—but if you can’t communicate them clearly, they won’t move anyone.
Great leadership requires great communication. Whether you’re casting vision, navigating hard conversations, or just trying to be heard in a noisy world, how you say it matters just as much as what you say.
In this episode, Erik Garcia, CFP®, ChFC®, BFA™, and Dr. Matt Morris explore wh
Decision-Making Under Pressure
As a leader, decisions are part of your daily rhythm. But not all decisions are equal—and some carry more weight than others.
Under pressure, even seasoned leaders can fall into traps: overthinking, reacting too quickly, or second-guessing themselves after the fact. Stress clouds clarity, and fatigue makes it harder to trust your gut or your process.
In this episode, Erik Garcia, CFP®, ChFC®,
Optimizing Your Workload: Working Smarter, Not Just Harder
You’re getting things done—but are you getting the right things done?
As a leader, your plate is always full. Tasks stack up, people need your input, and it’s easy to fall into a pattern of constant motion with little traction. You’re working hard, but still feel behind. You’re productive, but not always effective.
In this episode, Erik Garcia, CFP®, ChFC®, BFA™, and Dr. Matt Morris, LMFT explor
The Work/Home Divide: Setting Boundaries That Actually Stick
As a high achiever, your work never really 'stops'—but should it? You feel pressure from the outside and from deep inside that you NEED to find balance. But balance seems elusive. Just when you feel you've found it, it’s gone.
In this episode, Erik Garcia, CFP®, ChFC®, BFA™, and Dr. Matt Morris, LMFT break down the myth of work-life balance, the cost of blurred boundaries, and how to set limi
Do You Even Need a Coach? Recognizing the Signs
You’re successful, driven, and operating at a high level—but something still feels off. Maybe you’re stuck, overwhelmed, or just not seeing the growth you want. You can use help to get to the next level. Hiring a coach could be the missing piece.
In this episode, Erik Garcia, CFP®, ChFC®, BFA™, and Dr. Matt Morris break down the difference between coaching, therapy, and mentorship, and how to sel
Episode 90: Complex Isn’t Better: Rethinking Your Financial Plan
Why do we assume something has to be complicated to be valuable? That question sparked a spontaneous recording session after Erik Garcia, CFP®, ChFC®, BFA™, walked into Xavier Angel’s office to unload a bit of planner frustration. Joined by co-host Xavier Angel, CFP®, ChFC®, CLTC, the two dive into the false narrative that complexity equals effectiveness when it comes to financial planning. Spoile
Episode 89: Prepare for Future Spending by Practicing the Payment
In this episode of the Stuff About Money They Didn't Teach You in School podcast, host Erik Garcia, CFP®, ChFC®, BFA™, shares a practical financial strategy he personally uses—what he calls practicing your future payment. Whether you’re planning to buy a home, send a child to college, or take on any significant financial commitment, Erik walks through how simulating that future expense now can r
Episode 88: Parent PLUS vs. Private College Loans with John Hupalo
In this episode of the Stuff About Money podcast, Erik Garcia, CFP®, welcomes back longtime guest and college funding expert John Hupalo from MyCollegeCorner.com. As Erik navigates the emotional rollercoaster of planning for his own child’s college costs, he brings listeners along for a candid conversation about the realities of paying for school when savings and cash flow aren’t enough. From the
Episode 87: Dollar Cost Averaging: Your 401(k)’s Superpower
In this episode of the Stuff About Money They Didn’t Teach You in School podcast, certified financial planner Erik Garcia speaks directly to those regularly investing in a 401(k), 403(b), or IRA. With the market constantly shifting, it can be tempting to pause contributions and wait for “better” times. But that move might cost you more than you think. Erik explains why dollar cost averaging—invest
How To Prep Your Finances for the Next Recession (Throwback Episode)
In this episode of Stuff About Money They Didn't Teach You in School, I (Erik Garcia, CFP®, ChFC®, BFA™) take a solo journey back to 2019—pre-COVID, pre-pandemic stimulus, pre-whatever the heck this current economy is. It's wild to think how much has changed… and how much has stayed the same. This episode opens with a confusing encounter with a Polish website and a German iPhone—setting the stage
Episode 86: How to Actually Use Money for Happiness
We all think having more money will make us happier, but what if the way we instinctively spend it isn’t actually the key to lasting happiness? In this episode of Stuff About Money, Erik Garcia, CFP®, dives into five ways we can use money, and why the thing we want to do with it—buying more stuff—won’t bring us the deep, fulfilling happiness we hope for. Instead, he explores the four things that a
Episode 85: Should You Pay Your Mortgage Off Early?
Debt. Some people hate it. Some people tolerate it. And when it comes to a mortgage, the debate gets even more interesting. In this episode of Stuff About Money They Didn’t Teach You in School, Erik Garcia unpacks the question that’s been on the minds of several clients this week: Should I pay off my mortgage early? With four unique client scenarios—ranging from low-interest-rate borrowers with ex
Episode 84: Tomorrow Never Comes: Why We Put Off Financial Decisions
In this episode of the Stuff About Money podcast, Erik and Xavier kick off this episode with a slightly humorous conversation about the unique way people from New Orleans speak—because if nothing else, in The Big Easy, they have their own way of doing things. But that same tendency to do things our way extends beyond language—it also applies to how we handle money. More specifically, how we don’t
Episode 83: Is the Piggy Bank Dead? Teaching Kids to Manage Digital Money
In this episode of Stuff About Money They Didn’t Teach You in School, certified financial planners Erik Garcia, CFP®, and Xavier Angel, CFP®, are joined by Javier Sanchez, AVP of Financial Literacy for Fidelity Bank. Together, they explore how teaching kids about money has shifted in the digital age. The classic piggy bank may be fading, but the need for financial education is stronger than ever.
Episode 82: Will 2025 Bring More Volatility? Expert Market Outlook with Phil Blancato
What should you expect in 2025? Will market volatility and inflation trends continue to dominate the economy? In this dynamic episode of Stuff About Money They Didn’t Teach You in School, host Erik Garcia, CFP®, sits down with Phil Blancato, Chief Market Strategist for Osaic Wealth Management and CEO of Ladenburg Thalmann, to break down the biggest surprises of 2024 and what’s ahead for the market
Episode 81: Ditch Your Resolutions: Rewire Your Mindset for Financial Success
Why do most New Year's resolutions fail, and why is it often a waste of time to even set them? In this engaging episode of "Stuff About Money," certified financial planners Xavier Angel and Erik Garcia commit to changing their mindset as they usher in 2025. They explore the common pitfalls of resolutions, revealing that a staggering 80% of goals fall by the wayside within the first month. Instead
Episode 80: Common Money Mistakes Advisors See Clients Make
In this episode of Stuff About Money They Didn't Teach You in School, host Erik Garcia, CFP®, teams up with Brenton Harrison, the host of the New Money, New Problems podcast, to discuss the most common financial mistakes clients make. Recorded live at Osaic's annual Connected conference in Orlando, they explore the emotional factors that influence poor investment decisions, the critical difference
Episode 79: Navigating Student Loans: A Roadmap to Funding College with John Hupalo
In this episode, Erik Garcia, CFP®, and host of the Stuff About Money podcast, continues his conversation with John Hupalo from My College Corner, exploring the complex world of student loans. Building on their previous discussion about the FAFSA form, they cover the various types of loans available to students, including federal, private, and state-based options. John shares valuable insights on
Episode 78: Navigating FAFSA with John Hupalo
In this episode of the "Stuff About Money" podcast, host Erik Garcia, CFP®, CHFC®, BFA®, welcomes back his good friend John Hupalo from mycollegecorner to discuss college financing. This is part one of their conversation, where they tackle FAFSA season and share insights, tips, and a few laughs about the sometimes overwhelming process of financial aid applications. They also explore common misconc
Episode 77: Less Bad Decisions: How To Build Wealth with Bradley Flowers
In this episode of "The Stuff About Money They Didn't Teach You in School," host Erik Garcia welcomes Bradley Flowers, co-host of "The Insurance Guys Podcast" and owner of Portal Insurance. Bradley shares his unique perspective on improving both golf scores and financial health by focusing on making fewer bad decisions rather than striving for perfection. They discuss how this approach can lead to
Episode 76: Investing in Quality: A Conversation with Kevin Caron, CFA
In this episode of the "Stuff About Money" podcast, hosts Erik Garcia, CFP®, BFA™, ChFC®, and Xavier Angel, CFP®, ChFC®, CLTC, discuss investing with Kevin Caron, CFA, Senior Portfolio Manager for Washington Crossing Advisors. They explore the firm's investment philosophy, focusing on quality companies with a track record of consistent growth and profitability. Kevin explains their emphasis on bus
Episode 75: Boost Your Income: Key Takeaways from IndieTech with Erik and Xavier
In this episode of the "Stuff About Money" podcast, hosts Erik Garcia, CFP®, BFA™, ChFC®, and Xavier Angel, CFP®, ChFC®, CLTC, share their top takeaways from the IndieTech Conference. While they usually dive into saving and investing, this time they focus on boosting your income by investing in yourself. Discover how developing relationships, establishing processes, and leveraging technology can d
Episode 74: Top 3 Financial Planning Tips for Early-Career Pharmacists
In this episode of the "Stuff About Money" podcast, co-hosts Erik Garcia, CFP®, BFA™, ChFC® and Xavier Angel, CFP®, ChFC®, CLTC discuss key financial planning strategies for pharmacists at the start of their careers. They explore how to effectively manage income and expenses, set meaningful financial goals, and create a balanced budget to ensure a secure financial future.
Erik and Xavier also di
Episode 73: Should My Agency Be My Only Retirement Plan? Insights with Carey Wallace
In this episode of the "Stuff About Money" podcast, host Erik Garcia, CFP®, BFA, ChFC®, welcomes back Carey Wallace to tackle the question: Should your insurance agency be your only retirement plan? Carey shares her expertise on diversifying retirement strategies, the risks of relying solely on your agency, and the importance of planning for a secure financial future.
Erik and Carey discuss pract
Episode 72: Momentum Investing: Exploring Relative Strength with Ian Saunders
In this episode of the "Stuff About Money" podcast, host Erik Garcia, CFP®, BFA™, ChFC®, welcomes Ian Saunders, Senior Research Analyst for Nasdaq Dorsey Wright. They explore the world of Relative Strength, also known as Momentum Investing. Ian draws a compelling analogy to March Madness, highlighting that top seeds have an 80% chance of winning their games, similar to how strong investments are i
Episode 71: Should I Adjust My Portfolio? The Emotions of Investing with Dr. Matt Morris
In this episode of the "Stuff About Money" podcast, host Erik Garcia CFP®, BFA™, ChFC®, is joined by long-time friend of the show, Dr. Matt Morris. Together, they tackle the question: "Should I adjust my portfolio?" as they navigate the emotions of investing in a volatile market. Erik provides insights into current market noise, discussing factors like employment rates, Japan's rate changes, the f
Episode 70: Mental Frameworks for Making Better Financial Decisions
In this episode of the "Stuff About Money" podcast, host Erik Garcia, CFP®, BFA™, ChFC®, sits down with Ryan Hanley, a consultant to an AI marketing company, successful podcaster, and executive coach. Ryan's podcast, "The Ryan Hanley Show," is a top 20 business podcast on Apple and ranks in the top 145 of all Apple podcasts. They discuss the key points from a recent keynote Ryan delivered, focusin
Episode 69: From Business to Household CFO: Financial Wisdom with Carey Wallace
In this episode of the "Stuff About Money" podcast, host Erik Garcia, CFP®, BFA, ChFC®, welcomes Carey Wallace, a Fractional CFO for independent insurance agency owners. They explore the crucial role of a Household CFO and discuss how the financial strategies Carey uses in her professional life can be adapted for managing household finances. Carey shares her expertise on topics such as the power o
Episode 68: How to Maximize the Value of Your Insurance Agency
As business owners, the majority of our net worth is tied to the value of our business. What steps should we take today to maximize this value for a future sale?
In this episode of the Stuff About Money podcast, host Erik Garcia, CFP®, BFA™, ChFC®, sits down with tax attorney David Foate JD, LLM, to explore practical advice on preparing your business for a successful sale. David specializes in t
Episode 67: Build Lasting Financial Security: Embrace These 3 Essential Habits
What does it mean to achieve financial security? Is it having a certain dollar amount in the bank or the ability to maintain your desired lifestyle no matter what happens? Erik Garcia (CFP®, BFA™, ChFC®) shares the three habits he believes are essential for building financial security in this episode. While the path to financial security may seem simple, it's not easy to achieve.
In this solo epi
Episode 66: Do I Need a Bookkeeper? with Jeremiah Bradley
Many insurance agency owners struggle with the financial side of their business - Am I paying too much in taxes? Are my finances in order? Am I making a profit? These questions can be daunting, especially for those who don't have a strong background in accounting and bookkeeping.
In this episode, Erik Garcia (CFP®, BFA™, ChFC®) and Xavier Angel (CFP®, ChFC®, CLTC®) sit down with Jeremiah Bradley,
Episode 65: 3 Money Strategies to Teach Your Kids
We all want our kids to develop healthy money habits. We want them to grow to be financially independent humans. They need to develop the skills to face life's financial challenges while the consequences are not too costly. But where do we start? Can Taylor Swift help us in our efforts? Is there something to learn from Erik’s gardening hobby?
In this episode of the Stuff About Money podcast, Eri
Episode 64: Am I Getting a Good Deal in My Marriage? with Dr. Matt Morris
Money is a flash point in marriages. Throw in income disparity between spouses and you have even more opportunity for complex, emotionally charged conflict.
In this episode of the Stuff About Money podcast, Erik Garcia, CFP®, ChFC®, BFA™ and Xavier Angel, CFP®, ChFC®, CLTC, invite Dr. Matt Morris, couple's counselor and perennial contributor to the show, to discuss potential pitfalls for couples
Episode 63: Security, Hope and Significance: The True Value of Mothers
Mother’s Day seems like a silly holiday! Well, at least that's the perspective of guest hosts Missy Garcia and Grace Angel on the Stuff About Money podcast.
In this episode, Erik Garcia, CFP®, ChFC®, BFA™, and Xavier Angel, CFP®, ChFC®, CLTC, step back as their daughters take the lead in discussing the significance and value of their mothers and mothers everywhere.
Episode Highlights:
Grace an
Episode 62: Margin, Seasons, & Values. Work-Life Balance in Perspective.
In this episode of the Stuff About Money podcast, Erik Garcia, CFP®, ChFC®, BFA™ is joined by a long-time friend of the show, Couples Counselor Dr. Matt Morris, and first-time guest Michael Baudin.
Listen in as they discuss what work-life balance is and, maybe more importantly, what it is not. This recording extends from a casual conversation among friends that originated at a Pelicans NBA basket
Episode 61: S-Corp vs. LLC: Which Is Best for My Company?
In this episode of the Stuff About Money podcast, Xavier Angel, a Certified Financial Planner (CFP®), Chartered Financial Consultant (ChFC), and Certified in Long-Term Care (CLTC), sits down with CPA Keith Raymond to discuss common questions from business owner clients about LLCs and S-Corporations.
Keith Raymond simplifies the key differences and misconceptions about LLCs and S-Corporations, pro
Episode 60: Understanding the Dow Jones, S&P 500, and Nasdaq Composite
"I was excited when I finally understood what the radio announcer was talking about this morning on my commute! All of those financial terms made perfect sense to me" 🙂
In this episode of the Stuff About Money podcast, Erik Garcia, CFP®, BFA and Xavier Angel, CFP®, ChFC, CLTC, share the story that led to that comment from one of their clients. They break down the three most popular indices for me
Champion People With Jeff Roy
Whoa! Mind blown. Rescuing donkeys from the side of the road, funding hospitals, training hockey players, and so much more. Jeff and Una Roy live by the mantra, “Give with no expectation of anything in return”. They are catalysts for change in their community.
Welcome to "Insurance Professionals Are Givers," a podcast series led by Erik Garcia CFP® and guest co-host Billy Wagner, exploring the
Paying for College With Christen Arafeh
College is CRAZY expensive. As a parent, where do you start planning for your child’s Higher Ed? There is so much competing for your money and with many colleges not offering merit-based financial aid, the prospect of paying for college is daunting, to say the least.
It seems inevitable that our kids will be buried in college loan debt forever.
In this episode of the Stuff About Money podcast,
Leave the World Better Than How You Found It With Vonda Copeland
Entering into the personal pain of others is no easy feat. Hear how Vonda found personal healing through her involvement with crime stoppers and foster summer camp.
Welcome to "Insurance Professionals Are Givers," a podcast series led by Erik Garcia CFP® and guest co-host Billy Wagner, exploring the essence of Erik's fifth pillar of financial security: "Give To Others." Dive into engaging conver
Surprise and Delight With Erin Richardson
“Listen intently and respond creatively”. Listen to how Erin and Mike Richardson deepen relationships through intentional listening and then responding to other’s needs.
Welcome to "Insurance Professionals Are Givers," a podcast series led by Erik Garcia CFP® and guest co-host Billy Wagner, exploring the essence of Erik's fifth pillar of financial security: "Give To Others." Dive into engaging co
Basics of Estate Planning for Everyone with Ryan McBride
In this episode of the Stuff About Money podcast, Erik Garcia, CFP®, BFA and Xavier Angel, CFP®, ChFC, CLTC, are joined by Attorney at Law Ryan McBride to discuss the basics of estate planning. They discuss what estate planning is, the importance of beneficiary designations on life insurance and retirement accounts, and finally one of the core tools used in estate planning, a will.
Episode Highli
Serving Veterans With Rob Bowen
Rob is passionate about veterans. Hear how he meets their needs, from mental health to dressing nicely. Thank you for your service.
Welcome to "Insurance Professionals Are Givers," a podcast series led by Erik Garcia CFP® and guest co-host Billy Wagner, exploring the essence of Erik's fifth pillar of financial security: "Give To Others." Dive into engaging conversations with diverse insurance pro
Going Where Others Won’t With Mohamad Momin
Hear how at an early age, giving to others was instilled in Mohamad as a value. He’s driven to make a positive impact in the lives of others the way THEY need to be helped.
Welcome to "Insurance Professionals Are Givers," a podcast series led by Erik Garcia CFP® and guest co-host Billy Wagner, exploring the essence of Erik's fifth pillar of financial security: "Give To Others." Dive into engagi
Making Each Other Better
In this episode of the Stuff About Money podcast, Erik Garcia, CFP®, BFA and Xavier Angel, CFP®, ChFC, CLTC, take you on a trip down memory lane. They reminisce on how they first met (it has something to do with shoe shopping) and how Xavier ended up joining the Plan Wisely Wealth Advisors team. They share how they ended up developing their business model to deliver ongoing financial advice to cli
Changing lives through swimming with Margaret Rutherford
Hear how Margaret connects her 3 agency locations to different organizations she supports. And you do not want to miss her story about the Special Tigers swim team! Oh my goodness, grab your Kleenex.
Welcome to "Insurance Professionals Are Givers," a podcast series led by Erik Garcia CFP® and guest co-host Billy Wagner, exploring the essence of Erik's fifth pillar of financial security: "Give To
Welcome to America with Michael Overstreet
Michael’s mom taught him to consider others who have less. Hear Michael’s heart for the refugee. “Withhold judgment until you hear other’s stories”.
Welcome to "Insurance Professionals Are Givers," a podcast series led by Erik Garcia CFP® and guest co-host Billy Wagner, exploring the essence of Erik's fifth pillar of financial security: "Give To Others." Dive into engaging conversations with div
2 Things Erik and Xavier Are Doing to Better Their Finances in 2024
Better health and finances always top the charts for New Year's resolutions. Clearly, improving your health and finances are both noble causes that many value. But only 1% of Americans follow through on their resolutions! Is it even worth making resolutions? For this reason, in this episode of the Stuff About Money podcast, Erik Garcia, CFP®, BFA and Xavier Angel, CFP®, ChFC, CLTC, share one piece
Always be giving with Gertha Jean
Hear how Gertha passionately serves her community and meets the needs of others. She says, “Bless others as you are blessed”, and “If we have and you need it, come and get it”.
Welcome to "Insurance Professionals Are Givers," a podcast series led by Erik Garcia CFP® and guest co-host Billy Wagner, exploring the essence of Erik's fifth pillar of financial security: "Give To Others." Dive into enga
“My heart is smiling,” with Chris Paradiso
Chris shares his dad’s wisdom “The greatest gift we can give is to someone who could never repay us.” Hear how Chris involves his team and his family in giving.
Welcome to "Insurance Professionals Are Givers," a podcast series led by Erik Garcia CFP® and guest co-host Billy Wagner, exploring the essence of Erik's fifth pillar of financial security: "Give To Others." Dive into engaging conversati
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