Jan 12, 2021

NGPF Podcast: Gene Natali on his new book, The Missing Second Semester

It was great to have author and entrepreneur Gene Natali back on the podcast. He discusses his new book, The Missing Second Semester, and the exciting news about his new company, Troutwood. Gene's a great storyteller and provides some useful analogies to explain challenging finance concepts. Enjoy! 


  • 0:00~1:33 Introduction
  • 1:33~12:57 Gene’s background and the path to writing The Missing Second Semester and starting Troutwood
  • 12:57~22:13 The Troutwood Time Portal and the Buy Sell Hold App
  • 22:13~28:59 Pros of investing in the S&P 500
  • 28:59~29:27 A word from NGPF
  • 29:27~33:48 Individual investing and Robinhood
  • 33:48~36:52 Writing the second version of The Missing Semester
  • 36:52~41:27 Using analogies to bring personal finance topics to life
  • 41:27~46:09 Getting through a recession
  • 46:09~49:17 The importance of reaching financial independence
  • 49:17~52:10 Best stories to tell students
  • 52:10~54:21 A message to teachers
  • 54:21~55:38 Conclusion



  • “That’s what makes personal finance so different from history or math or english or social studies. It’s the first word: personal. It is different for every one of us and it is different for every student. That is a challenge, but it’s also exciting.”

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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