Stuff About Money They Didn't Teach You In School

Stuff About Money They Didn't Teach You In School

They might not have taught you the stuff about money you needed to know to build wealth, but Xavier and Erik are ready to take you back to school. When it comes to money, it is never too late to start learning.

Episodes

Mindset: Your Financial Beliefs Driving Your Financial Decisions

June 2, 2026 • 21 mins
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. Together, Erik and Matt unpack how the...
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Episode 109: Time, Compounding, and the Truth About Building Wealth

May 21, 2026 • 25 mins
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 examples, they challenge the myth that w...
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Episode 108: Consistency: The Hidden Engine of Wealth

May 5, 2026 • 25 mins
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, long after the excitement fades. As E...
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Episode 107: 3 Behaviors That Protect Your Wealth: The Disciplines That Keep You From Losing What You’ve Built

April 21, 2026 • 28 mins
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 intention. We walk through three ...
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Episode 106: Before You Build Wealth… Stop Destroying It: The 3 Behaviors That Sabotage Your Financial Future (Part 1 of 4)

April 7, 2026 • 29 mins
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 overconfidence. These aren’t knowledge prob...
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Episode 105: Beyond the Salary: Real Money Decisions for New Pharmacists

March 26, 2026 • 42 mins
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 graduates face early in their careers. F...
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Episode 104: Normal Returns, Broader Markets, Sexy Bonds and Lasagna With Phil Blancato

March 10, 2026 • 47 mins
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 and ends with a debate on why past...
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Episode 103: 3 Myths About Building Wealth (Part 1)

February 24, 2026 • 32 mins
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 breaks, to the assumption that it is re...
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Episode 102: What 100 Conversations About Money Taught Us

February 10, 2026 • 39 mins
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 up again and again in conversations ...
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Episode 101: King Cake and the Seasons of Money

January 27, 2026 • 29 mins
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 bigger conversation about money and how ...
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Episode 100: Caring for Aging Parents: Why Waiting Is the Most Expensive Option

January 13, 2026 • 50 mins
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, Xavier and Shannon unpack why fami...
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Episode 99: Should You Wait to Invest When the Market Feels Expensive?

December 30, 2025 • 41 mins
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 deciding what to do with new money, e...
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Episode 98: Plan Before Life Forces Your Hand: The Cost of Waiting

December 16, 2025 • 8 mins
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. A dear friend's cancer has return...
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Episode 97: Your Goals Need a Reframe

December 2, 2025 • 13 mins
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 made a bad goal,” and the overly a...
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Episode 96: Faith, Finances, and Facing Mortality: A Conversation with Gio Arenas

November 18, 2025 • 32 mins
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 faith. From being told as a child tha...
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Episode 95: The Three Biggest Money Lies We Tell Ourselves

November 4, 2025 • 39 mins
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 these self-deceptions quietly shape ou...
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Episode 94: When Money Haunts You — Overcoming Financial Fear by Focusing on What Matters

October 21, 2025 • 55 mins
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 about what it really means to call some...
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Episode 93: Can You Afford to Ignore Long Term Care?

October 7, 2025 • 31 mins
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 long term care insurance. That sets...
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Episode 92: Backwards Planning: Start with the End in Mind

September 23, 2025 • 30 mins
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 with the end in mind sets the stag...
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Episode 91: A Life Worth Living

September 9, 2025 • 60 mins
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, purpose, and yes, even money. Inspired b...
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