Jan 31, 2020

NGPF Podcast: Camilo Maldonado discusses his personal finance website, Finance Twins

This week on the podcast you will hear the inspiring story of an entrepreneur with grit, determination and talent. Hear how Camilo overcame childhood challenges to attend the most elite universities and his motivation to start a personal finance site to educate others. Enjoy!


  • 0:00~1:40 Introduction
  • 1:40~5:53 Early money lessons
  • 5:53~8:34 Growing up in a motivated family
  • 8:34~11:36 Experiencing college life at UPenn
  • 11:36~14:52 Working at JP Morgan 
  • 14:52~17:47 Learning about leadership at Bonobos
  • 17:47~19:00 After graduating from Harvard Business School
  • 19:34~21:43 Starting a start-up
  • 21:43~23:54 Motivation behind The Finance Twins
  • 23:54~28:00 Type of content that can be found on the website
  • 28:00~30:51 7 day personal finance boot camp 
  • 30:51~34:52 Popular topics on the blog
  • 34:52~37:08 What to tell students about investing
  • 37:08~40:36 Shift towards investing in index funds
  • 40:36~41:40 Why tell your students about The Finance Twins? 
  • 41:40~44:07 Book recommendations
  • 44:07~45:08 Conclusion



  • “The first thing that I find about investing is that a lot of people don’t do it because they are afraid of making a mistake. The first lesson is to just start investing. The best advice is to just invest with an ETF, a mutual fund, or an index fund so you can invest in a lot of companies at once. But again, the important part is to just start.”


About the Authors

Tim Ranzetta

Tim's saving habits started at seven when a neighbor with a broken hip gave him a dog walking job. Her recovery, which took almost a year, resulted in Tim getting to know the bank tellers quite well (and accumulating a savings account balance of over $300!). His recent entrepreneurial adventures have included driving a shredding truck, analyzing executive compensation packages for Fortune 500 companies and helping families make better college financing decisions. After volunteering in 2010 to create and teach a personal finance program at Eastside College Prep in East Palo Alto, Tim saw firsthand the impact of an engaging and activity-based curriculum, which inspired him to start a new non-profit, Next Gen Personal Finance.

Ren Makino

Ren started interning at NGPF in 2014, and worked part-time through high school and college. With his knowledge growing alongside NGPF, he joined the team to work full-time after graduating from college in 2020. He is also the producer of the NGPF podcast. During his free time, he likes to try out coffees from different roasters across the world.

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