Stuff About Money They Didn't Teach You In School Podcast Por Erik Garcia CFP® & Xavier Angel CFP® arte de portada

Stuff About Money They Didn't Teach You In School

Stuff About Money They Didn't Teach You In School

De: Erik Garcia CFP® & Xavier Angel CFP®
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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.2021 Economía Finanzas Personales
Episodios
  • Optimizing Your Workload: Working Smarter, Not Just Harder

    Optimizing Your Workload: Working Smarter, Not Just Harder
    Jul 15 2025
    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 explore the common traps high performers fall into when managing their workload. From overfunctioning to poor delegation and unclear priorities, they offer tools to help you take back control of your time, your energy, and your focus. Because it’s not about doing more. It’s about doing what matters—on purpose. Episode Highlights: Matt explains why productivity is about managing finite time and variable energy, and stresses improving efficiency rather than perfection. (01:43) Erik shares a story about micromanagement and a pivotal moment that reshaped his view on letting go of control. (04:38) Erik introduces the concept of revenue-generating vs. non-revenue-generating tasks to better prioritize daily actions. (09:41) Matt walks through a detailed guide on developing effective delegation skills, including the 70% rule and clear expectation setting. (12:37) Erik emphasizes the role of written processes in reducing micromanagement and building scalable systems. (18:16) Matt encourages using project management tools wisely, while Erik cautions against tech overload and advises crafting a "technology policy statement". (24:57) Matt lists mental models like the Eisenhower Matrix, Pareto Principle, and "One Thing" method to clarify focus and reduce task overwhelm. (33:44) Erik suggests flipping the script by asking “What are three things I don’t need to do?” to stay sharp and intentional. (48:00) Key Quotes: “ We have to acknowledge that time is finite. And it escapes us all the time. And so we have to be able to work smarter ” - Dr. Matt Morris, LMFT “ The more scale, the more repeatable something is, the more efficient and effective you can be.” - Erik Garcia, CFP®, ChFC®, BFA™ “ If you're going to delegate to people, they need to feel that you trust them and you need to feel that you, that they're going to get it done. ” - Dr. Matt Morris, LMFT Resources Mentioned: Cultivate Success Podcast Series Companion Handouts Dr. Matt Morris, LMFT Matt Morris & Associates Erik Garcia, CFP®, ChFC®, BFA™ Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors
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    49 m
  • The Work/Home Divide: Setting Boundaries That Actually Stick

    The Work/Home Divide: Setting Boundaries That Actually Stick
    Jul 1 2025
    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 limits that work without guilt or career damage. Episode Highlights: Erik introduces the episode by framing the common struggle of work-life balance and the guilt that often surrounds it. (01:31) Matt discusses how high achievers often experience work creeping into home life and the need to define realistic boundaries. (03:56) Erik explains why he believes work-life balance is a myth and argues for alignment of values instead of perfect balance. (06:45) Matt shares his definition of balance: enjoying both work and home life without one impeding the other. (10:07) Matt emphasizes that integration, not perfection, is the key to sustaining relationships and success. (13:51) Matt explains how unresolved work stress affects sleep, health, and emotional presence. (17:52) Erik highlights the role of self-awareness and coaching in identifying when work is intruding on personal life. (19:20) Matt shares the importance of start-stop rituals and sacred times, noting their role in maintaining boundaries. (24:09) Matt encourages leaders to model healthy habits and communicate boundaries to both teams and clients. (27:31) Matt explains how setting boundaries may trigger guilt and discomfort, but it’s a normal part of growth. (36:04) Key Quotes: “ Success shouldn't come at the cost of your personal life.” - Dr. Matt Morris, LMFT “The goal isn’t balance or like getting the scales to be weighed. It was more of an alignment of value and purpose.” - Erik Garcia, CFP®, ChFC®, BFA™ “Create sacred times for your family and for personal priorities. These are things that are, for the most part, 99% of the time, non-negotiable.” - Dr. Matt Morris, LMFT Resources Mentioned: ⁠Cultivate Success Podcast Series Companion Handouts⁠ ⁠Dr. Matt Morris, LMFT⁠ ⁠Matt Morris & Associates⁠ ⁠Erik Garcia, CFP®, ChFC®, BFA™⁠ ⁠Xavier Angel, CFP®, ChFC, CLTC⁠ ⁠Plan Wisely Wealth Advisors⁠
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    44 m
  • Do You Even Need a Coach? Recognizing the Signs

    Do You Even Need a Coach? Recognizing the Signs
    Jun 17 2025
    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 self-assess whether coaching is the right move. Episode Highlights: Matt recalls hiring a golf coach when he felt stuck and needed help improving his score. (01:55) Erik describes hiring a business coach after realizing there were skills he hadn’t yet developed. (05:10) Matt emphasizes the value of hiring a coach when you don't know what you don't know (06:27) Erik explains his natural drive to grow and his desire to learn from people ahead of him. (08:50) The two discuss how coaching can help with specific roadblocks or feelings of dissatisfaction. (12:43) Erik outlines how hiring a coach provided objective, emotionally detached insight for better decision-making. (14:00) Matt breaks down the differences between coaching and therapy, clarifying their distinct purposes. (18:00) They compare coaching to financial advising and mentorship, identifying key overlaps and distinctions. (20:45) Erik reflects on the loneliness of entrepreneurship and how coaching offers perspective and clarity. (28:51) Matt and Erik encourage listeners to explore coaching when feeling stuck, off-balance, or in need of accountability. (30:34) Key Quotes: “Coaching is a strategic partnership between me, you, and someone else who just needs to tackle some roadblock in their work life.” - Dr. Matt Morris “Every individual should sit down with a financial planner at least once in their life.” - Erik Garcia, CFP®, ChFC®, BFA™ “You can be content without being complacent. You could be content and still be ambitious to want to do something more.” - Dr. Matt Morris Resources Mentioned: Cultivate Success Podcast Series Companion Handouts Dr. Matt Morris Matt Morris & Associates Erik Garcia, CFP®, ChFC®, BFA™ Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors
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    33 m
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