Uploaded June 2026 | Updated September 2026, 1 week ago
Giving financial guidance to a college grad can be challenging, especially when advice is unsolicited or poorly timed. In this episode, host Mark Riepe is joined by returning guest, Patrick Means, to break down how to help new graduates make smarter financial and investing decisions by focusing on communication, not just content. Discover how to frame advice around a young adult's goals, avoid common pitfalls, and address behavioral biases such as procrastination and exponential growth bias. Plus learn the foundational habits that set college grads up for long-term financial success, from budgeting to investing.
After you listen:
• Find more educational resources at Schwab Moneywise Teens (schwabmoneywise.com/moneywise-teens) .
• Learn more about the Schwab Teen Investing Account (schwab.com/teen-account) .
Financial Decoder (schwab.com/learn/financial-decoder) is an original podcast from Charles Schwab.
If you enjoy the show, please leave us a rating or review on Apple Podcasts (http://getpodcast.reviews/id/1440529681) .
Reach out to Mark on X @MarkRiepe (twitter.com/MarkRiepe) with your thoughts on the show.
Follow Financial Decoder on Spotify (open.spotify.com/show/5eKsYzSemWDLIQhSwezJyc) to comment on episodes.
Important Disclosures
This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.
All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions.
For important information on the Schwab Teen Investor™ account, including restrictions and limitations, go to schwab.com/teen-account.
Investing involves risk, including loss of principal.
Past performance is no guarantee of future results.
All corporate names and market data shown are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security.
The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.
0626-U822
Giving financial guidance to a college grad can be challenging, especially when advice is unsolicited or poorly timed. In this episode, host Mark Riepe is joined by returning guest, Patrick Means, to break down how to help new graduates make smarter financial and investing decisions by focusing on communication, not just content. Discover how to frame advice around a young adult's goals, avoid common pitfalls, and address behavioral biases such as procrastination and exponential growth bias. Plus learn the foundational habits that set college grads up for long-term financial success, from budgeting to investing.
After you listen:
• Find more educational resources at Schwab Moneywise Teens (schwabmoneywise.com/moneywise-teens) .
• Learn more about the Schwab Teen Investing Account (schwab.com/teen-account) .
Financial Decoder (schwab.com/learn/financial-decoder) is an original podcast from Charles Schwab.
If you enjoy the show, please leave us a rating or review on Apple Podcasts (http://getpodcast.reviews/id/1440529681) .
Reach out to Mark on X @MarkRiepe (twitter.com/MarkRiepe) with your thoughts on the show.
Follow Financial Decoder on Spotify (open.spotify.com/show/5eKsYzSemWDLIQhSwezJyc) to comment on episodes.
Important Disclosures
This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.
All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions.
For important information on the Schwab Teen Investor™ account, including restrictions and limitations, go to schwab.com/teen-account.
Investing involves risk, including loss of principal.
Past performance is no guarantee of future results.
All corporate names and market data shown are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security.
The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.
0626-U822
