Real Money, Real Life ™

What should you do with an old 401(k) after leaving a job? On Real Money, Real Life®, Linda Grizely explains why the answer is not automatically "roll it over" and what you need to understand before you move the money. You generally have four choices: leave the money in your former employer's plan, move it into a new workplace plan, roll it into an IRA, or cash it out. But the choice itself is not the first question. Your account may include different types of money, plan-specific benefits, employer stock, Roth dollars, loan considerations, age-related rules, creditor protections, or other features that can affect the decision. Linda walks through what to check, what you may gain or give up with each option, why an IRA is not automatically cheaper or better, what to consider before cashing out retirement money, and why the mechanics of a rollover matter too. The goal is not to memorize every retirement-plan rule. It is to understand enough to slow down, ask better questions, and make an intentional decision instead of assuming an old 401(k) should automatically be moved. 💡 Linda talks about: How to decide what to do with an old 401(k) What to check before rolling retirement money into an IRA How the four old 401(k) options differ How to move retirement money without creating an unnecessary tax problem 🕒 Timestamps (00:40) What to know before moving an old 401(k) (01:49) Why rolling over a 401(k) is not an automatic decision (03:41) What is actually inside your retirement account (07:01) Rules and circumstances that can change your decision (09:04) Employer stock and net unrealized appreciation (09:43) The Rule of 55 and early access to retirement money (10:58) Required minimum distributions before a rollover (11:56) Roth 401(k) and Roth IRA five-year rules (12:54) Backdoor Roth planning and IRA balances (13:57) What you may give up when leaving a workplace plan (15:16) How 403(b), 457(b), and other plans can differ (16:14) The four options for an old 401(k) (17:08) Option 1: Leave the 401(k) with your former employer (19:37) Option 2: Move it into your new workplace plan (21:05) Option 3: Roll the money into an IRA (22:58) Option 4: Cash out your old 401(k) (25:57) The future cost of spending retirement money today (27:33) Direct rollover vs. indirect rollover (29:42) What to do after the rollover is completed (31:33) How to make an intentional 401(k) decision (32:44) The closing nugget 🎤 Send Linda Your Money Question https://www.speakpipe.com/rmrl 🔗 Connect with Linda Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely Resources: https://www.lindagriz.com/resources ℹ️ Disclosures Real Money, Real Life® is hosted & produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine Financial, Inc., an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from & unaffiliated w/ Nectarine. The views expressed on this podcast are those of the individuals expressing them & do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests may express opinions or discuss strategies that are their own & should not be considered recommendations or personalized advice. This podcast is provided for informational, educational, & entertainment purposes only & should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com & https://www.lindagriz.com/disclaimers

Real Money, Real Life® recently passed the one-year mark, and Linda Grizely is giving the podcast a reset for a new season. The show is for people who feel behind financially, think they should know more by now, and want to build confidence making money decisions that work in real life. Guest conversations are staying, but Linda is making more room for solo episodes built around the questions people actually ask about saving, spending, debt, investing, retirement, 401(k)s, credit, and the decisions that can feel much harder than they look on paper. Because money decisions are shaped by more than math. Our experiences, habits, beliefs, families, emotions, circumstances, and past all affect what we do with money. Linda also introduces a new way for listeners to become part of Real Money, Real Life® by sending a voice message with a money question for a future episode. If you have ever thought, "I should know this by now," ask anyway. Chances are, someone else is wondering the same thing. 💡 We talk about: Why Real Money, Real Life® is getting a reset after one year What to expect from the new season Why money decisions are about more than math How to submit your own money question for the podcast 🕒 Timestamps (00:00) Who Real Money, Real Life® is for (00:40) Why the podcast is getting a reset (01:18) Why Linda is adding more solo episodes (02:00) The real-life money questions people struggle with (02:37) Why financial decisions are about more than math (03:19) How to send Linda your money question (04:30) What to expect from Real Money, Real Life® going forward 🎤 Send Linda Your Money Question https://www.speakpipe.com/rmrl 🔗 Connect with Linda Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely Resources: https://www.lindagriz.com/resources ℹ️ Disclosures Real Money, Real Life® is hosted & produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine Financial, Inc., an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from & unaffiliated w/ Nectarine. The views expressed on this podcast are those of the individuals expressing them & do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests may express opinions or discuss strategies that are their own & should not be considered recommendations or personalized advice. This podcast is provided for informational, educational, & entertainment purposes only & should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com & https://www.lindagriz.com/disclaimers

Why do high-achieving women burn out even when they know they need to slow down? On the Real Money, Real Life® podcast, Linda Grizely and Dr. Julie Merriman look at what happens when you have spent years being responsible, productive, and available to everyone else. Burnout is not always about needing a vacation. When you keep living past capacity, rest can feel uncomfortable, your body can stay braced for the next demand, and even recognizing what you need can become difficult. What if you cannot relax without feeling guilty? What if you are exhausted but still keep telling yourself to push through? Julie explains compassion fatigue, nervous system dysregulation, and the warning signs high-achieving women often miss in themselves. Linda Grizely and Julie also discuss self-worth, guilt, old money stories, the "golden handcuffs" of a good salary, and how fear can make financial and life choices feel more limited than they are. Real Money, Real Life® is about understanding the human side of financial decision-making too. You can care about financial security without putting yourself last indefinitely. 💡 We talk about: Recognizing when you are living past your capacity Understanding why slowing down can feel uncomfortable Seeing how burnout, guilt, and self-worth affect your choices Recognizing when money or a good salary makes you feel trapped 🕒 Timestamps (00:00) When constantly handling everything becomes too much (02:57) What compassion fatigue actually means (04:32) Missing your own burnout warning signs (07:04) Why high-achieving women keep pushing past capacity (10:09) Burnout and a dysregulated nervous system (13:35) How chronic stress can show up in your finances (13:57) When a good salary becomes golden handcuffs (16:48) Why exhaustion can get mistaken for laziness (21:02) Feeling like you need permission to rest (22:02) Guilt, obligation, and fear of disappointing people (23:49) How old patterns can affect your money decisions (24:39) Understanding the money stories you still carry (26:49) Feeling financially trapped in a job or relationship (31:12) Signs your body may be telling you something is wrong (32:39) Figuring out what you actually need financially (36:09) How to recognize nervous system dysregulation (38:15) What to do when you feel too busy to stop (39:42) A simple exercise to help your nervous system settle (41:06) When self-help may not be enough (42:50) Protecting your future without sacrificing yourself 🔗 Connect with Julie Website: https://www.juliemerrimanphd.com YouTube: https://www.youtube.com/@drjuliemerriman Instagram: https://www.instagram.com/dr.juliemerriman/ Somatic Signature Quiz: https://rebrand.ly/y42jps0 🔗 Connect with Linda Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely Resources: https://www.lindagriz.com/resources ℹ️ Disclosures Real Money, Real Life® is hosted & produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine Financial, Inc., an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from & unaffiliated w/ Nectarine. The views expressed on this podcast are those of the individuals expressing them & do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests may express opinions or discuss strategies that are their own & should not be considered recommendations or personalized advice. This podcast is provided for informational, educational, & entertainment purposes only & should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com & https://www.lindagriz.com/disclaimers

What should you do with extra money after your kids move out? On Real Money, Real Life®, Linda Grizely and Lena Nebel look at the financial decisions empty nesters face when the money, time, and energy once centered around their kids finally begin to shift. The answer is not simply to save everything or finally spend everything. It starts with deciding what you want this next chapter to look like, then giving the extra cash flow a purpose. Are you trying to catch up for retirement? Pay down debt? Travel more? Change careers? Or finally make yourself part of the financial plan again? Linda and Lena walk through financial planning for empty nesters, including employer benefits, retirement savings, helping adult children, caring for aging parents, downsizing, lifestyle changes, and the emotions that can make these decisions harder than expected. Real Money, Real Life® is about the part of personal finance that happens outside the spreadsheet. Becoming an empty nester can create more freedom, but it can also bring uncertainty. Linda Grizely and Lena show why this stage is a chance to pause, think about your future self, and make intentional choices about the life you are building now. 💡 We talk about: Deciding what to do with extra cash flow after the kids leave home Catching up for retirement without assuming you are already behind Setting financial boundaries with adult children Planning what you want your next five years to look like ⏱ Timestamps (00:00) What changes financially when the kids leave home (02:26) Why Lena started focusing on empty nesters (03:46) What empty nesters should think about next (05:34) Why extra cash flow can create new money decisions (08:38) Planning for the empty nest before it happens (10:26) The emotional side of becoming an empty nester (11:50) How to decide whether to save, spend, invest, or pay debt (14:20) What "I'm behind for retirement" really means (17:06) When adult children are not fully off the payroll (17:43) Helping aging parents while planning for yourself (18:52) Why employer matching is part of your compensation (20:26) Why relying on bonuses can complicate retirement planning (21:40) Giving yourself permission to enjoy the money (23:45) What do you want the next five years to look like? (25:27) Letting go of financial expectations as a parent (26:32) Do you really need to be debt-free before retirement? (27:13) Who Lena and BFG Financial Advisors work with (28:43) Where to find Lena and her financial resources 🔗 Connect with Lena Website: https://www.bfgfa.com LinkedIn: https://linkedin.com/in/lenanebel Resources: https://courses.bfguniversity.com/ 🔗 Connect with Linda Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely Resources: https://www.lindagriz.com/resources ℹ️ Disclosures Real Money, Real Life® is hosted & produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine Financial, Inc., an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from & unaffiliated w/ Nectarine. The views expressed on this podcast are those of the individuals expressing them & do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests may express opinions or discuss strategies that are their own & should not be considered recommendations or personalized advice. This podcast is provided for informational, educational, & entertainment purposes only & should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com & https://www.lindagriz.com/disclaimers

How do you teach kids about money without creating shame, fear, or entitlement? On the Real Money, Real Life® podcast, Linda Grizely and Dr. Julia Myers show parents how everyday money conversations can help kids build confidence, maturity, and values. The answer is not one perfect lesson. It is paying attention to the messages kids already pick up from your tone, stress, silence, spending, and choices, then using small moments to make those messages more honest and grounded. What if you are worried you are spoiling your kids? What if you never learned how to talk about money yourself? Linda and Julia explain why children absorb money beliefs long before they understand budgets, how the Family Belief Box shapes those beliefs, and why parents need to become a mattress, not a hammock. You'll hear how to shift entitlement into empowerment, connect money choices to family values, and start a conversation this week by sharing one simple money story from your own childhood. Real Money, Real Life® with Linda Grizely is for parents who want to raise financially mature kids without shame, guilt, or pretending they have every answer. You do not have to cover every possible lesson. You can help your kids build financial confidence one honest conversation at a time. 💡 We talk about: Recognizing the money messages your kids already receive Teaching kids about money without shame or fear Shifting entitlement into responsibility and empowerment Starting age-appropriate money conversations at home Timestamps (00:00) How parents teach money without realizing it (02:54) How a life-changing vision loss created Generational Wisdom (06:00) How parents pass down their own money stories (08:44) When money changes from a tool into emotional baggage (12:23) How the Family Belief Box shapes children's money beliefs (16:20) How to notice the money messages your kids receive (19:57) Teaching kids to choose between competing priorities (20:23) What it means to raise grounded kids (22:02) Shifting entitlement into empowerment (24:44) Being a mattress instead of a hammock (26:42) Connecting family values to financial decisions (29:01) One simple way to start a money conversation (31:43) Teaching responsibility through real-life experiences (33:14) What financially launching a child can look like (34:17) Money conversation resources for parents (36:30) Raising financially confident kids one conversation at a time  🔗 Connect with Julia Website: https://www.juliamyers.com LinkedIn: https://www.linkedin.com/in/juliamyers314 Instagram: https://www.instagram.com/julia_myers_rx Facebook: https://www.facebook.com/juliamyersrx Resources: https://saythis.juliamyers.com/?utm_source=Podcast&utm_medium=RealMoneyRealLife&utm_campaign=LindaGrizely&utm_term=2026 Media Kit: https://docs.google.com/document/d/1IV_hfpTHWN4Z3pnsO7KdifJN-cUB9HPnc6iRPZE9OxE/edit?usp=drivesdk 🔗 Connect with Linda Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely Resources: https://www.lindagriz.com/resources Disclosures ℹ️ Disclosures: Real Money, Real Life® is hosted & produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine Financial, Inc., an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from & unaffiliated w/ Nectarine. The views expressed on this podcast are those of the individuals expressing them & do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests may express opinions or discuss strategies that are their own & should not be considered recommendations or personalized advice. This podcast is provided for informational, educational, & entertainment purposes only & should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com & https://www.lindagriz.com/disclaimers

Making six figures but still feeling behind financially can be confusing and frustrating. On the Real Money, Real Life™ podcast, Linda Grizely and Jackson Larimer explain why earning more money does not automatically create clarity, stability, or financial progress. The answer is not always that you need to make more. Your spending, systems, expectations, and financial behavior may not have caught up with your income yet. What if you are earning more than you ever expected but still have little to show for it? How do you know whether you are truly behind or comparing yourself to an unrealistic benchmark? Jackson shares how earning six figures as a college student changed his understanding of money and happiness, why he left a comfortable corporate job to build a financial coaching business, and how careful preparation made that decision possible. Linda Grizely and Jackson also break down lifestyle inflation, delayed gratification, financial education, and the unique personal finance challenges small business owners face. You'll hear why separating business and personal finances matters, how a consistent owner's salary can bring stability to variable income, and why a tax deduction does not make an unnecessary expense free. Real Money, Real Life™ is about real financial decisions, not perfect ones. Making six figures but still feeling behind does not automatically mean you are failing. It may mean your money needs more direction and your systems need to catch up with the life you are building. 💡 We talk about: • Understanding why a higher income does not eliminate money stress • Deciding whether you are truly behind financially • Managing lifestyle inflation after your income increases • Creating financial structure with unpredictable business income ⏱ Timestamps (00:00) Why making more money may not solve money stress (02:19) Leaving a corporate career to start a business (04:23) Designing a career around the life you want (06:13) Preparing financially before quitting your job (08:19) Learning about money and opportunity in Guatemala (12:12) Why six figures remains a financial benchmark (13:07) Making six figures without feeling happier (15:13) High earners who are not rich yet (16:20) Earning money and managing money are different skills (17:33) Delayed gratification and long-term financial progress (18:43) Making financial decisions for your future self (19:19) How to know whether you are actually behind (21:41) Starting early and learning how investing works (23:04) Why investment growth feels slow at first (24:30) Financial challenges for small business owners (25:08) Separating business and personal finances (26:04) Financial strategies self-employed people may overlook (28:15) Living within your means with variable income (29:15) Paying yourself a consistent business salary (30:42) Lifestyle inflation at higher income levels (32:30) When old money beliefs no longer match your life (33:18) Treating business expenses like real expenses (35:16) How to connect with Jackson Larimer (35:59) Turning income into stability and choices 🔗 Connect with Jackson Website: https://jacksonlarimer.com/ LinkedIn: https://www.linkedin.com/in/jackson-larimer/ YouTube: https://www.youtube.com/@moneywithjackson Instagram: https://www.instagram.com/moneywithjackson/ Resources: https://jacksonlarimer.beehiiv.com/ 🔗 Connect with Linda Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely Resources: https://www.lindagriz.com/resources ℹ️ Disclosures Real Money, Real Life™ is hosted & produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine Financial, Inc., an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from & unaffiliated w/ Nectarine. The views expressed on this podcast are those of the individuals expressing them & do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests may express opinions or discuss strategies that are their own & should not be considered recommendations or personalized advice. This podcast is provided for informational, educational, & entertainment purposes only & should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com & https://www.lindagriz.com/disclaimers

How to prepare for retirement emotionally and financially is about more than reaching a savings goal. On the Real Money, Real Life™ podcast, Linda Grizely talks with Jesse Hurst about why retirement planning also requires a clear picture of the life you want to create. You can have the money and still struggle with the transition. Lifelong savers may find it difficult to give themselves permission to spend, and people who built their identity around work may not know what to do when their schedule suddenly opens up. What will give your days structure, purpose, and meaning? How do you enjoy the money you worked for without constantly worrying that you will run out? Linda Grizely and Jesse discuss how familiar references from music, movies, and television can make retirement planning easier to understand. You'll hear how Bohemian Rhapsody, Friends, Animal House, Led Zeppelin, and the Rolling Stones connect to saving, spending, market cycles, and financial decision-making. They also walk through the 12-piece retirement puzzle, the transition from accumulation to distribution, and why knowing where you are today matters before you can map out where you want to go. Preparing for retirement is not only about protecting your future. It is also about building the confidence to live the life your money was meant to support. 💡 We talk about: · How to prepare for retirement beyond the financial numbers · Why lifelong savers struggle to spend money in retirement · How to create a clear vision for your retirement years · Why pop culture can make financial concepts easier to understand ⏱ Timestamps: (00:00) How pop culture makes retirement planning easier (04:55) Using Animal House and Friends to explain the economy (08:45) Why moving from saving to spending feels so difficult (14:40) The 12-piece retirement planning puzzle (16:40) Knowing where you are before planning where to go (17:35) How to prepare emotionally for retirement (20:40) Creating a picture of your future self (22:40) What it means to retire like a rock star (25:45) Balancing spending now with saving for later (28:40) Using music and movies to explain financial decisions (33:00) Why time matters when you are investing (35:35) Preparing for market uncertainty before retirement (37:40) Who Jesse helps and how to find him (39:00) Turn down the noise and turn up the confidence 🔗 Connect with Jesse: LinkedIn: https://www.linkedin.com/in/jessehurst/ Website: https://www.impelwealth.com/ Book: https://www.impelwealth.com/popenomics 🔗 Connect with Linda: Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely Resources: https://www.lindagriz.com/resources ℹ️ Disclosures: Real Money, Real Life™ is hosted & produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine Financial, Inc., an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from & unaffiliated w/ Nectarine. The views expressed on this podcast are those of the individuals expressing them & do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests may express opinions or discuss strategies that are their own & should not be considered recommendations or personalized advice. This podcast is provided for informational, educational, & entertainment purposes only & should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com & https://www.lindagriz.com/disclaimers

How to start values-aligned investing can feel confusing if investing already feels intimidating. On the Real Money, Real Life™ podcast, Linda Grizely talks with Jensyn Hallett about what it means to look at your money through the lens of values, impact, and financial confidence. Values-aligned investing means considering both financial return and real-world impact, so your money is connected to what you care about. What if your bank account, 401(k), or IRA is supporting things you would not choose on purpose? What if you want your money to reflect your values, but you are not sure where to begin? Linda and Jensyn discuss impact investing, why women's financial power matters, how small money shifts can build confidence, and why community can help women move from fear into action. You'll hear how to start by looking at where your money already lives, asking what impact you want to have, and learning with other women instead of trying to figure it all out alone. 💡 We talk about: · How to start values-aligned investing · What impact investing means in real life · Why women's financial power matters · How community can make investing feel less intimidating ⏱ Timestamps: (00:00) How to start values-aligned investing (02:24) What impact investing means (06:54) Common myths about values-aligned investing (08:51) Where to start with your money (13:03) Why women need to see themselves as investors (16:37) What Invest for Better does (19:08) Honest money conversations women are having (21:16) Fear, confidence, and learning to invest (25:53) Three takeaways for women getting started 🔗 Connect with Jensyn: Invest for Better: https://www.investforbetter.org LinkedIn: https://www.linkedin.com/in/jensyn/ Instagram: https://www.instagram.com/investforbetter_ifb/ 🔗 Connect with Linda: Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely Resources: https://www.lindagriz.com/resources ℹ️ Disclosures: Real Money, Real Life™ is hosted & produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine Financial, Inc., an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from & unaffiliated w/ Nectarine. The views expressed on this podcast are those of the individuals expressing them & do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests may express opinions or discuss strategies that are their own & should not be considered recommendations or personalized advice. This podcast is provided for informational, educational, & entertainment purposes only & should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com & https://www.lindagriz.com/disclaimers

Financial freedom when you feel behind can sound impossible, but it may be more flexible than you think. On the Real Money, Real Life™ podcast, Linda Grizely talks with Jeremy Schneider of Personal Finance Club about FIRE, Coast FIRE, investing, and what financial independence can look like in real life. Financial freedom does not always mean quitting work forever. It can mean having more breathing room, more options, and less fear about the future. What if you feel like you started too late? What if early retirement sounds unrealistic, but you still want more choice and less financial pressure? Linda and Jeremy discuss FIRE, the 4% rule, Coast FIRE, Barista FIRE, living below your means, investing early and often, and why simple index fund investing may be less complicated than people assume. You'll also hear why doing nothing can be one of the hardest parts of investing, why getting started matters more than being perfect, and why financial freedom is really about options, not perfection. 💡 We talk about: · What financial freedom can mean when you feel behind · Why FIRE is not only about retiring early · How Coast FIRE can create more flexibility · Why simple investing may be less scary than it sounds ⏱ Timestamps: (00:00) Financial freedom when you feel behind (08:05) What FIRE and financial independence mean (14:43) What Coast FIRE means (17:59) Barista FIRE and working differently (20:07) What if you feel too late to start? (24:40) Why investing feels so intimidating (27:36) Why doing nothing can be the hardest part (35:00) Where to begin if you feel overwhelmed (43:39) Financial freedom is about options, not perfection 🔗 Connect with Jeremy: Instagram: https://instagram.com/personalfinanceclub Website: https://personalfinanceclub.com TikTok: https://tiktok.com/@personalfinanceclub YouTube: https://youtube.com/personalfinanceclub Facebook: https://facebook.com/personalfinanceclub Nectarine: https://hellonectarine.com Resources: https://personalfinanceclub.com/start-here/ 🔗 Connect with Linda: Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely Resources: https://www.lindagriz.com/resources ℹ️ Disclosures: Real Money, Real Life™ is hosted & produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine Financial, Inc., an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from & unaffiliated w/ Nectarine. The views expressed on this podcast are those of the individuals expressing them & do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests may express opinions or discuss strategies that are their own & should not be considered recommendations or personalized advice. This podcast is provided for informational, educational, & entertainment purposes only & should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com & https://www.lindagriz.com/disclaimers

Should I sell my home by owner? On the Real Money, Real Life™ podcast, host Linda Grizely and guest, Tim Street, helps listeners think through one of the biggest financial decisions many people make: whether to hire a real estate agent or try selling without one. The answer is not always yes or no. Selling by owner can make sense for someone with the time, discipline, emotional detachment, and willingness to follow a process, but hiring an agent may be the smarter move when the sale is legally complicated, emotionally loaded, or not worth the time tradeoff. What if you could save money, but the process takes more time than you expected? What if you are confident enough to try, but not prepared for pricing, inspections, buyers, negotiations, and legal guardrails? Linda and Tim discuss for sale by owner, also known as FSBO, and how homeowners can evaluate the real-life side of selling a home. We walk through when selling your house without a realtor may work, when it may not, why pricing is not really decided by the seller, and how mindset can either help or hurt the process. This conversation is about financial decision-making, personal finance, and asking better questions before outsourcing a major asset. If you have wondered, should I sell my home by owner, this episode can help you slow down, look at the tradeoffs, and make the choice with more clarity. We Talk About Section 💡 We talk about: · How to know if selling by owner is a good fit · When hiring a real estate agent may be the smarter move · Why pricing your home is not about what you want · How mindset affects selling your house yourself Timestamps (00:00) Should you automatically hire a real estate agent? (01:17) How Tim Street became The FSBO Guy (03:44) Why selling by owner is not right for everyone (04:20) When a real estate agent is the smarter move (05:14) Why some homeowners may be able to sell themselves (06:13) Why homeowners know their house better than anyone (08:30) Why buyers and sellers often do not talk directly (10:27) Fair housing concerns and seller communication (12:13) Why selling by owner is simple but not easy (13:21) Why many FSBO attempts fail (15:33) What happens if selling by owner becomes too much (16:27) Why Tim created a FSBO system (17:50) How to know if FSBO fits your situation (19:17) Why the buyer decides the value of your home (20:18) How comparison affects home pricing (21:16) Why lower pricing can create more buyer interest (21:51) How pre-listing inspections can help sellers (24:34) How to share inspection information with buyers (25:00) Why a grand opening strategy can create demand (28:04) Confidence, overconfidence, and selling your own home (30:45) What to do before selling your home next year (31:16) Why your reason for moving matters (32:24) How the FSBO quiz helps homeowners decide (34:04) Who should find Tim Street (35:11) Where to find Foolproof FSBO (37:00) Choosing what is right for you, not just what everyone does About + Links 👤 About Tim Street Tim Street, a.k.a. The FSBO Guy, is a successful real estate agent, tech entrepreneur, and former active duty Marine who now works full-time teaching homeowners how to get the absolute best price for their home, and the best outcome for their families. 🔗 Connect with Tim Website: https://www.foolprooffsbo.com Facebook: https://www.facebook.com/foolprooffsbo Instagram: https://www.instagram.com/foolprooffsbo YouTube: https://www.youtube.com/@foolprooffsbo TikTok: https://www.tiktok.com/@the.fsbo.guy Free eBook: https://www.foolprooffsbo.com/ebook Free Quiz: https://www.foolprooffsbo.com/quiz Email: [email protected] 👤 About Linda Linda Grizely, CFP®, is a financial wellness speaker and personal finance expert and educator. She is the creator of the MeMoney® Method, and host of the Real Money, Real Life™ podcast. Bridging financial strategy with behavioral insight, she helps people build confidence and clarity with their money and teaches individuals and organizations how to replace financial overwhelm with empowerment and real-world results. 🔗 Connect with Linda Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X: https://twitter.com/LindaGrizely 🤝 Resources Useful Personal Finance Quizzes, Checklists, and Flowcharts: www.lindagriz.com/resources ℹ️ Disclosures Real Money, Real Life™ is hosted and produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine, an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from and unaffiliated with Nectarine. The views expressed on this podcast are those of the individuals expressing them and do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests on the podcast may express opinions or discuss financial strategies that are their own and should not be considered recommendations or personalized financial advice. This podcast is provided for informational, educational, and entertainment purposes only and should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com https://www.lindagriz.com/disclaimers

Should I sell my life insurance policy? On the Real Money, Real Life™ podcast, Linda Grizely and Mark Mrky help listeners understand a lesser-known option before walking away from a policy that may still have value. A life settlement is when you sell a life insurance policy to a third party for a cash payout instead of surrendering it back to the insurance carrier for cash surrender value. What if your kids are grown, your premiums are rising, or your universal life policy did not perform the way you expected? What if you are ready to let the policy go, but you are not sure whether surrendering it is your only option? Linda and Mark walk through what a life settlement is, who may qualify, why age, health, policy type, premiums, and cash surrender value matter, and why a bidding process can help policyowners evaluate their options. This conversation is for anyone trying to make a financial decision with real-life consequences, especially seniors or families looking at unwanted life insurance, underperforming universal life, or convertible term coverage. Linda Grizely keeps the conversation grounded in financial decision-making, clarity, and asking better questions before making a permanent choice. If you have ever wondered, should I sell my life insurance policy, this may help you see the decision with more context and less confusion. 💡 We talk about:· How to know if a life settlement might apply to your policy · What to ask before surrendering life insurance for cash value · Why universal life and convertible term policies may be reviewed differently · How the life settlement bidding process works Timestamps (00:00) Why life insurance decisions deserve a closer look (01:18) What a life settlement is (03:00) How life settlements grew from viatical settlements (05:35) Why many people do not know this option exists (08:17) What types of policies may qualify (10:08) How age and health affect a life settlement offer (12:13) Why universal life policies can become complicated (15:23) How a life settlement evaluation works (17:26) Cash surrender value versus settlement value (18:47) Minimum policy size and death benefit (19:24) How the bidding process works (21:29) Regulation, disclosures, and compensation (24:33) When a life settlement may not be a good fit (25:18) Emotional and ethical concerns about life settlements (28:11) Why selling life insurance can feel emotional (30:08) First questions to ask before moving forward (31:08) Red flags to watch for (33:14) Who may want to learn more about life settlements (34:16) How to connect with Mark About + Links 👤 About Mark Mrky Mark is managing partner with Life Insurance Settlements Inc. He has been with LIS for 25 years and our sole focus is representing our clients who wish to liquidate a life insurance policy they own in the secondary market. 🔗 Connect with Mark Website: https://www.lisettlements.com LinkedIn: https://www.linkedin.com/in/mark-mrky-b8540113 👤 About Linda Linda Grizely, CFP®, is a financial wellness speaker and personal finance expert and educator. She is the creator of the MeMoney® Method, and host of the Real Money, Real Life™ podcast. Bridging financial strategy with behavioral insight, she helps people build confidence and clarity with their money and teaches individuals and organizations how to replace financial overwhelm with empowerment and real-world results. 🔗 Connect with Linda Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X: https://twitter.com/LindaGrizely 🤝 Resources Useful Personal Finance Quizzes, Checklists, and Flowcharts: www.lindagriz.com/resources ℹ️ Disclosures Real Money, Real Life™ is hosted and produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine, an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from and unaffiliated with Nectarine. The views expressed on this podcast are those of the individuals expressing them and do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests on the podcast may express opinions or discuss financial strategies that are their own and should not be considered recommendations or personalized financial advice. This podcast is provided for informational, educational, and entertainment purposes only and should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com https://www.lindagriz.com/disclaimers

Getting started with Bitcoin can feel overwhelming, especially if you already feel behind financially or unsure what questions to ask. On Real Money, Real Life™, Linda Grizely sits down with Shawn Owen to help make Bitcoin feel less intimidating and more understandable, without turning it into financial advice. The simple answer is this: you can start understanding Bitcoin by learning what it is, how it is different from broader crypto, why people see it as a scarce digital asset, and what red flags to watch for before you do anything with your money. What if Bitcoin feels too expensive to even consider? What if you are curious, but afraid of scams, hype, or making a mistake? Linda and Shawn walk through the basics in plain language, including why Bitcoin was created, how people can buy small amounts, where it may fit into a responsible financial life, and why emotion matters when people make money decisions. This conversation is for people who want financial confidence, not pressure. Real Money, Real Life™ is about asking the questions many people are embarrassed to ask, and Linda Grizely keeps the focus on clarity, personal finance education, and real-life decision-making. You do not have to become a Bitcoin expert overnight. You can understand the basics, slow down, protect yourself, and make decisions from a clearer place. 💡 We talk about: ✅ How to start understanding Bitcoin without feeling behind ✅ What Bitcoin is and how it is different from crypto ✅ Why you do not need to buy a whole Bitcoin ✅ How to watch for scams, hype, and emotional decisions Timestamps (00:00) Why Bitcoin feels confusing for so many people (02:23) How Shawn Owen first got interested in Bitcoin (05:03) Why Bitcoin was created (06:24) Why people doubted Bitcoin at first (08:04) How Bitcoin connects to building and preserving wealth (11:02) Bitcoin explained in simple terms (14:22) Why you do not need to buy a whole Bitcoin (17:23) Where Bitcoin may fit in a portfolio (19:26) How people own and store Bitcoin (23:28) Why Linda sees crypto as play money (26:25) How Bitcoin connects to money behavior and mindset (31:00) How to get started with Bitcoin (36:03) Common Bitcoin scams and red flags (38:07) What to know if you already feel behind financially (42:34) How Shawn Owen helps people use Bitcoin as collateral (44:50) Linda's closing reminder about education and emotion 👤 About Shawn Owen Shawn Owen is an experienced entrepreneur with a passion for innovation, especially in Bitcoin, longevity, AI, and systems development. His work focuses on turning complex ideas into effective business solutions, with an emphasis on optimizing operations, building strong products, and delivering quality client service. Shawn has been an advocate for Bitcoin since 2011, drawn to its decentralized and revolutionary nature as digital hard money. He shares his expertise with the goal of making Bitcoin and related topics more accessible to both enthusiasts and critics. As a forward-thinking entrepreneur, Shawn continues to pursue new ideas in business and technology while exploring what is possible at the intersection of innovation, systems, and wealth. 🔗 Connect with Shawn LinkedIn: https://www.linkedin.com/in/shawn-owen-052a6153/ Company Website: https://www.saltlending.com Twitter: @Shawn_OwenJ Company Twitter: @SaltLending Resource: https://tinyurl.com/47vvp8k7 👤 About Linda Linda Grizely, CFP®, is a financial wellness speaker and personal finance expert and educator. She is the creator of the MeMoney® Method, and host of the Real Money, Real Life™ podcast. Bridging financial strategy with behavioral insight, she helps people build confidence and clarity with their money and teaches individuals and organizations how to replace financial overwhelm with empowerment and real-world results. 🔗 Connect with Linda Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X: https://twitter.com/LindaGrizely 🤝 Resources Useful Personal Finance Quizzes, Checklists, and Flowcharts: www.lindagriz.com/resources ℹ️ Disclosures Real Money, Real Life™ is hosted and produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine, an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from and unaffiliated with Nectarine. The views expressed on this podcast are those of the individuals expressing them and do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests on the podcast may express opinions or discuss financial strategies that are their own and should not be considered recommendations or personalized financial advice. This podcast is provided for informational, educational, and entertainment purposes only and should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com https://www.lindagriz.com/disclaimers  

How to divorce without going to court is a question many people do not know they are allowed to ask. On Real Money, Real Life™, Linda Grizely talks with collaborative family law attorney and certified mediator Manisha Patel about what can happen when divorce becomes less about winning and more about protecting your future. A divorce does not always have to become a long, expensive court fight. Collaborative divorce and mediation can give people a structured way to make decisions around money, children, co-parenting, support, and long-term stability without handing every decision to a judge. What if you want clarity, but you do not want a war? What if you are worried about the cost of fighting, the emotional toll on your children, or the money decisions you may regret later? Linda and Manisha walk through the difference between litigation, mediation, and collaborative family law, why the process you choose can shape the outcome, and how early money decisions during divorce can have ripple effects for years. Real Money, Real Life™ is about the messy human side of financial decision-making, and this conversation is for anyone facing separation, divorce, or co-parenting decisions who wants to move with more clarity and less chaos. The goal is not perfection. It is choosing a process that protects your finances, your family, and your future. Real Money, Real Life™ with Linda Grizely is here to remind you that strength is not always escalation. Sometimes the strongest move is choosing clarity. 💡 We talk about: · How to divorce without going to court · Why collaborative divorce can reduce conflict · What mediation, litigation, and collaborative law mean · How money decisions during divorce affect your future Timestamps (00:00) How divorce becomes a financial and emotional turning point (02:20) Why Manisha Patel moved from litigation to collaborative family law (05:55) When collaborative divorce may or may not be a good fit (08:52) Litigation, mediation, and collaborative divorce explained (12:18) Why the divorce process you choose matters (14:26) Myths that make divorce more harmful (16:42) Early money decisions that can affect life after divorce (20:00) The real cost of fighting to win (24:40) Restructuring your family instead of destroying it (26:20) Why aggression is not the same as strength (29:10) Manisha's book, End Your Marriage Peacefully (32:12) What legal separation means in North Carolina (33:55) Who can work with Manisha Patel (36:12) Where to find Manisha (36:45) Strength, clarity, and protecting your future 👤 About Manisha Patel Manisha Patel is known for combining deep legal expertise with a calm, practical, and compassionate approach that helps clients make good decisions in some of the most stressful moments of their lives. As a collaborative family law attorney, certified mediator, and founder of a boutique family law firm in Greensboro, North Carolina, Manisha focuses on helping families navigate separation, divorce, and co parenting with less conflict and more clarity, using collaborative law and mediation to keep people out of courtroom battles whenever possible. She is an elected Councilor to the North Carolina State Bar and past President of the Greensboro Bar Association, as well as a longtime leader in organizations that support women in the legal profession, pro bono service, and lawyer wellness. Her new book, End Your Marriage Peacefully: Your Guide to Successful Collaborative Divorce in North Carolina launches in 2026. 🔗 Connect with Manisha Website: www.lawofficeofmpp.com Instagram: https://www.instagram.com/lompp18/ Facebook: https://www.facebook.com/lawofficeofmpp LinkedIn: www.linkedin.com/in/manishappatel Company LinkedIn: https://www.linkedin.com/company/law-office-of-manisha-p-patel-pllc 👤 About Linda Linda Grizely, CFP®, is a financial wellness speaker and personal finance expert and educator. She is the creator of the MeMoney® Method, and host of the Real Money, Real Life™ podcast. Bridging financial strategy with behavioral insight, she helps people build confidence and clarity with their money and teaches individuals and organizations how to replace financial overwhelm with empowerment and real-world results. 🔗 Connect with Linda Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X: https://twitter.com/LindaGrizely 🤝 Resources Quizzes, Checklists, and Flowcharts: www.lindagriz.com/resources ℹ️ Disclosures Real Money, Real Life™ is hosted and produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine, an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from and unaffiliated with Nectarine. The views expressed on this podcast are those of the individuals expressing them and do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests on the podcast may express opinions or discuss financial strategies that are their own and should not be considered recommendations or personalized financial advice. This podcast is provided for informational, educational, and entertainment purposes only and should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com https://www.lindagriz.com/disclaimers

How shared housing can save money is not just a question about rent. On the Real Money, Real Life™ podcast, Linda Grizely talks with Annamarie Pluhar about how having a housemate can reduce expenses, create more comfort, and help adults rethink what independence really means. Shared housing can save money by helping adults share the ongoing costs of home, from housing payments to utilities, household help, maintenance, and everyday tasks. But the bigger question is this: What if living with someone is not a step backward? What if it is a smart way to create more financial stability, companionship, and ease? Linda Grizely and Annamarie discuss why many adults feel afraid to invite someone into their home, how privacy can still be protected, why compatibility matters more than simply finding someone who can pay, and how the idea of a "home-mate" can change the way we think about shared housing. You'll hear how housemates can become home-mates, how to think through cost sharing without nickel-and-diming, and why the emotional benefits of informal social connection matter too. Real Money, Real Life™ is about real life, not perfect decisions. This conversation is for adults who feel the pressure of rising housing costs, people living alone, older singles, and anyone wondering whether there may be another way to live with more financial confidence, comfort, and connection. 💡 We talk about: · How shared housing can save money without giving up privacy · Why adults may feel embarrassed about having a housemate · How to know if someone is compatible enough to live with · What costs to consider before renting a room in your home Timestamps (00:00) Why shared housing can be a smart financial choice (01:00) How housemates can support cost, company, cooperation, and comfort (02:00) Annamarie Pluhar's personal story with shared housing (07:00) Why people feel afraid to have a stranger live with them (08:00) How shared housing starts with cost savings (10:00) Why adults need housemates, not roommates (12:00) How to figure out housemate compatibility (14:00) What routines, tasks, guests, noise, and bills reveal (15:00) Different ways adults can share housing (16:00) What living with a housemate looks like in real life (18:00) Hidden financial benefits of having a housemate (20:00) How to price rent without getting greedy (22:00) How to compare shared housing costs to the rental market (24:00) How privacy can still work with a housemate (26:00) Why loneliness and social connection matter (30:00) How living alone connects to social isolation (31:00) Why pride can get in the way of shared housing (34:00) Questions to ask before considering a housemate (35:00) Who should consider shared housing (36:00) Where to find Annamarie Pluhar and Sharing Housing (37:00) A closing reframe on independence and community 👤 About Annamarie Pluhar Annamarie Pluhar, M.Div. advocates for adults, especially older singles, to have a "home-mate," someone with whom they can share a home with other(s) for the benefits of cost, company, cooperation, and comfort. She is the founder of the nonprofit, Sharing Housing, Inc. and the author of Sharing Housing, A Guidebook for Finding and Keeping Good Housemates. She has 30 years of experience in corporate and non-profit consulting, group facilitation, training development, and delivery. She is a graduate of Vassar College and The Episcopal Divinity School. She lives in Dummerston, Vermont with one housemate. 🔗 Connect with Annamarie Website: https://www.sharinghousing.com Website: https://sharinghousing.org Facebook: https://www.facebook.com/SharingHousing Instagram: https://www.instagram.com/sharinghousingcommunity/ LinkedIn: https://www.linkedin.com/company/sharing-housing-inc 🤝 Free Resource from Annamarie Sharing Housing Worksheets: https://sharinghousing.com/worksheets/ 👤 About Linda Linda Grizely, CFP®, is a financial wellness speaker and personal finance expert and educator. She is the creator of the MeMoney® Method, and host of the Real Money, Real Life™ podcast. Bridging financial strategy with behavioral insight, she helps people build confidence and clarity with their money and teaches individuals and organizations how to replace financial overwhelm with empowerment and real-world results. 🔗 Connect with Linda Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X: https://twitter.com/LindaGrizely 🤝 Resources Useful Personal Finance Quizzes, Checklists, and Flowcharts: www.lindagriz.com/resources ℹ️ Disclosures Real Money, Real Life™ is hosted and produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine, an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from and unaffiliated with Nectarine. The views expressed on this podcast are those of the individuals expressing them and do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests on the podcast may express opinions or discuss financial strategies that are their own and should not be considered recommendations or personalized financial advice. This podcast is provided for informational, educational, and entertainment purposes only and should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com https://www.lindagriz.com/disclaimers

Women finding their financial voice is not just about speaking up. On the Real Money, Real Life™ podcast, Linda Grizely and Jennifer Edwards talk about how women can understand their money, ask better questions, and take ownership of financial decisions with more confidence. The answer starts with awareness. If you do not know where the accounts are, what debts exist, how retirement is being planned, or how money decisions are being made, silence can leave you vulnerable. But speaking up does not have to mean blaming, judging, or starting a fight. What if you want to understand more, but you do not want your partner to feel accused? What if you sit in meetings with a financial advisor and feel embarrassed asking basic questions? Linda Grizely and Jennifer Edwards break down why money conversations can feel so emotional, why women often defer long-term financial decisions, and how money can represent safety, identity, independence, belonging, and trust. You'll hear how financial silence can show up in relationships, what financial advocacy can look like, and why a simple money date can be a powerful first step. Real Money, Real Life™ is for people who want financial confidence without shame, jargon, or judgment. This conversation is a reminder that women finding their financial voice does not require becoming someone else. It starts with trusting your voice enough to use it. 💡 We talk about: · How women can start finding their financial voice · Why silence around money can create risk in relationships · How to talk to your partner about money without blame · What to ask when you feel left out of financial decisions Timestamps (00:00) Women finding their financial voice (02:22) What finding your voice means financially (03:22) Why money avoidance is often about fear (04:33) Why financial planning alone does not solve money tension (10:06) How silence shows up in money decisions (11:10) Why women often defer financial conversations (14:20) The emotional and financial cost of staying silent (18:10) How to start asking better questions (19:00) A money conversation starter for couples (20:35) Why widows need financial understanding before crisis (22:25) How financial advisors can support silent partners (24:30) What financial advocacy looks like in marriage (26:00) Understanding each other's money stories (29:05) How self-worth affects earning, spending, and investing (31:10) Why language shapes financial confidence (33:20) The fear that keeps women quiet about money (35:05) How comparison distorts financial confidence (36:25) Money and leadership beliefs women can release (37:50) One conversation to start this week (38:20) One small step toward financial advocacy (39:25) The real meaning behind money issues (40:10) Who Jennifer helps (40:50) Jennifer's Money Beliefs Inventory (42:00) Linda's closing nugget About + Links 👤 About Jennifer Edwards Jennifer Edwards is a Financial Wellness Specialist and Certified Financial Planner® who has guided more than 600 individuals and couples to greater clarity and confidence with money. She developed the 7 Layers of Financial Wellness framework to reveal the emotional, relational, and systemic forces shaping money behavior. Jennifer helps people communicate more clearly, understand the roots of their financial patterns, and navigate even the toughest money conversations with confidence. 🔗 Connect with Jennifer Website: https://breakthroughfinancialwellness.com LinkedIn: https://www.linkedin.com/in/jennifer-edwards-cfp/ Resource: Free Money Beliefs Inventory available in the resources section at https://breakthroughfinancialwellness.com 👤 About Linda Linda Grizely, CFP®, is a financial wellness speaker and personal finance expert and educator. She is the creator of the MeMoney® Method, and host of the Real Money, Real Life™ podcast. Bridging financial strategy with behavioral insight, she helps people build confidence and clarity with their money and teaches individuals and organizations how to replace financial overwhelm with empowerment and real-world results. 🔗 Connect with Linda Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X: https://twitter.com/LindaGrizely 🤝 Resources Useful Personal Finance Quizzes, Checklists, and Flowcharts: www.lindagriz.com/resources ℹ️ Disclosures Real Money, Real Life™ is hosted and produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine, an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from and unaffiliated with Nectarine. The views expressed on this podcast are those of the individuals expressing them and do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests on the podcast may express opinions or discuss financial strategies that are their own and should not be considered recommendations or personalized financial advice. This podcast is provided for informational, educational, and entertainment purposes only and should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com https://www.lindagriz.com/disclaimers

How to review a life insurance policy before it quietly fails. On the Real Money, Real Life™ podcast, Linda Grizely sits down with Tony Steuer to break down what most people never realize about permanent life insurance policies, cash value policies, in-force illustrations, and policy lapses. If you've ever wondered whether you still need life insurance, whether your policy is performing the way you were promised, or what happens if a policy runs out of money, this conversation will help you understand what to look for before it becomes a costly surprise. Many people buy life insurance and never review it again. But life changes. Interest rates change. Insurance costs change. And some policies slowly deteriorate in the background without people realizing it until it's too late. Linda Grizely and Tony Steuer walk through how to review a life insurance policy, how to recognize warning signs inside cash value policies, and why an in-force illustration matters more than most people realize. You'll hear how policy loans can create hidden problems, why some permanent life insurance policies lapse unexpectedly, when a 1035 exchange may make sense, and how to evaluate whether keeping coverage still fits your financial life today. This Real Money, Real Life™ conversation focuses on financial clarity, not fear, and helps people better understand the human side of financial decisions and insurance planning. 💡 We talk about: • How to review a life insurance policy • Why permanent life insurance policies lapse • What an in-force illustration shows • When a 1035 exchange might make sense ⏱ Timestamps (00:00) Why people stop reviewing life insurance policies (02:00) How Tony Steuer became a life insurance analyst (04:30) How to evaluate whether you still need life insurance (06:00) What an in-force illustration is (08:00) Warning signs a life insurance policy may lapse (12:00) Understanding cash value and rising insurance costs (16:00) The risks of policy loans and "be your own banker" concepts (21:00) How surrender charges work (23:00) What a 1035 exchange is (25:00) Risks and pitfalls of replacing life insurance policies (27:00) Why people avoid reviewing their policies (30:00) The most important steps to review life insurance coverage (35:00) Final thoughts on protecting your policy 👤 About Tony Steuer Tony Steuer, CLU, LA, CPFFE, is an internationally recognized financial fluency advocate, award-winning author, podcast host, and fintech advisor whose mission is to change the way we think about money by addressing life's "what ifs" with integrity and focusing on the human side of financial decisions. 🔗 Connect with Tony Website: http://www.tonysteuer.com LinkedIn: http://www.linkedin.com/in/tonysteuer 👤 About Linda Linda Grizely, CFP®, is a financial wellness speaker and personal finance expert and educator. She is the creator of the MeMoney® Method, and host of the Real Money, Real Life™ podcast. Bridging financial strategy with behavioral insight, she helps people build confidence and clarity with their money and teaches individuals and organizations how to replace financial overwhelm with empowerment and real-world results. 🔗 Connect with Linda Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X: https://twitter.com/LindaGrizely 🤝 RESOURCES Useful Personal Finance Quizzes, Checklists, and Flowcharts: http://www.lindagriz.com/resources ℹ️ DISCLOSURES Real Money, Real Life™ is hosted and produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine, an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from and unaffiliated with Nectarine. The views expressed on this podcast are those of the individuals expressing them and do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests on the podcast may express opinions or discuss financial strategies that are their own and should not be considered recommendations or personalized financial advice. This podcast is provided for informational, educational, and entertainment purposes only and should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com https://www.lindagriz.com/disclaimers

Social Security explained in plain English. In this episode of the Real Money, Real Life™ podcast, Linda Grizely sits down with Social Security and retirement expert Marcia Mantell to break down how Social Security really works, what "going bankrupt" means, and how to avoid making emotional claiming decisions that could permanently reduce your retirement income. If you've ever wondered whether you should claim Social Security early, how spousal benefits work, or whether Social Security will still be there for future retirees, this conversation gives you a grounded and realistic answer without fear, hype, or political noise. Marcia Mantell explains why Social Security is not going bankrupt, what trust fund depletion means, and why so many people accidentally make claiming decisions based on panic instead of strategy. Linda Grizely and Marcia Mantell walk through how benefits are calculated, why your highest 35 earning years matter, how pensions and public sector work affect benefits, and what couples need to think through before filing. They also unpack the emotional side of retirement planning. Fear, uncertainty, headlines, and misinformation often push people into decisions they may regret later. This episode of the Real Money, Real Life™ podcast helps listeners understand the bigger picture so they can make retirement decisions with more clarity and confidence. You'll hear how claiming Social Security early can permanently reduce survivor benefits, why many divorced spouses may qualify for benefits they do not realize they can receive, and how younger workers should think about Social Security as part of their long-term retirement planning instead of assuming it will disappear. Linda Grizely and Marcia Mantell also break down common misconceptions around Medicare, public pensions, and the Social Security Fairness Act, while explaining why retirement planning is rarely as simple as "just claim at 62." By the end of the conversation, you'll better understand how Social Security fits into your overall retirement income plan and why slowing down before making a claiming decision can make a significant difference over your lifetime. We talk about: How Social Security benefits are calculated What happens if you claim Social Security at 62 Why Social Security is not going bankrupt How spousal and survivor benefits really work ⏱ Timestamps (00:00) Social Security basics everyone should understand (02:40) How Marcia Mantell became a Social Security expert (04:05) How Social Security benefits are calculated (09:50) Teachers, pensions, and Social Security credits (10:35) The Social Security Fairness Act explained (13:20) Full retirement age and claiming decisions (17:15) Why Social Security planning is more complicated than people think (20:05) How spousal benefits work (25:20) Claiming strategies for married couples (28:40) The biggest Social Security mistake people make (30:15) Is Social Security going bankrupt? (32:45) How to plan for possible future changes (37:00) Why your Social Security estimate can change (40:20) Divorced spouse Social Security rules (44:05) Fear, politics, and emotional claiming decisions About Marcia Mantell Marcia Mantell is the founder of her own small business, Mantell Retirement Consulting, which is celebrating 20 years this year. Marcia is known for taking the complicated retirement, Social Security, and Medicare rules and translating them into language we can all better understand. And she's the author of 4 retirement books, a long-time blogger, a media columnist, and a podcast guest. Whether writing about or talking about retirement, she takes the opportunity to share as many helpful tips and tricks as possible. It's all about making a successful transition into retirement. Connect with Marcia Website: https://mantellretirementconsulting.com/ Website: https://boomerretirementbriefs.com/ LinkedIn: https://www.linkedin.com/in/marciamantell/ Facebook: https://www.facebook.com/boomerretirementbriefs2022 Free Resource: https://boomerretirementbriefs.com/estimating-your-medicare-costs/ About Linda Grizely Linda Grizely, CFP®, is a financial wellness speaker and personal finance expert and educator. She is the creator of the MeMoney® Method, and host of the Real Money, Real Life™ podcast. Bridging financial strategy with behavioral insight, she helps people build confidence and clarity with their money and teaches individuals and organizations how to replace financial overwhelm with empowerment and real-world results. Connect with Linda Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X: https://twitter.com/LindaGrizely Resources What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz Join Linda's Free Community: https://bit.ly/RealMoneyRealLifeCommunity Useful Personal Finance Quizzes, Checklists, and Flowcharts: www.lindagriz.com/resources Disclosures Real Money, Real Life™ is hosted and produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine, an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from and unaffiliated with Nectarine. The views expressed on this podcast are those of the individuals expressing them and do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests on the podcast may express opinions or discuss financial strategies that are their own and should not be considered recommendations or personalized financial advice. This podcast is provided for informational, educational, and entertainment purposes only and should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com https://www.lindagriz.com/disclaimers

What does it really mean to give yourself permission to make more money? On the Real Money, Real Life™ podcast, Linda Grizely sits down with Cortney McDermott to talk about money, receiving, self-worth, and why so many people quietly cap what they allow themselves to earn. The answer is not just to "think positive" or force yourself into a new money mindset. It starts with understanding what money represents for you. Is it freedom? Safety? Proof that you are enough? Permission to make more money often begins with noticing the stories, stress, and fear that keep you from receiving what you say you want. Linda Grizely and Cortney McDermott unpack why earning more is not only about strategy, why scarcity can live in the body, and how relaxation, awareness, and attention can shift what feels possible. You'll hear why Cortney says money is a form of flow, why wealth is not the same as having a high bank balance, and why the practice of doing less may actually help you access more clarity. If you have ever felt guilty wanting more, afraid to earn more, or unsure whether you are "allowed" to receive more, this conversation offers a different way to think about money. Real Money, Real Life™ is about the human side of money, and this episode is a reminder that you do not have to shrink your dreams to be responsible. You can be grounded and abundant at the same time. 💡 We talk about: • Giving yourself permission to make more money • Why people subconsciously cap their earning potential • How self-worth shapes what you allow yourself to receive • Why scarcity is not just a thought pattern • How rest, relaxation, and attention can shift possibility Timestamps (00:00) Giving yourself permission to make more money (02:20) How Cortney began talking about money and wealth (04:15) What money really represents underneath the surface (07:30) Brainwave frequencies, stress, and abundance (15:25) How to move out of high-stress money thinking (19:25) Why people subconsciously cap their earning potential (23:00) Worthiness, wealth, and the story of the diamond (28:00) Moving from scarcity to possibility (32:10) Why mindset alone is not the full answer (38:25) One tiny practice to shift your consciousness (43:35) How to connect with Cortney McDermott (45:10) Closing nugget: grounded and abundant About Cortney McDermott "All you have to do is look into Cortney's eyes and you know she's figured something out. Her gift is helping the rest of us figure it out, too." -Ndaba Mandela, author of 'Going to the Mountain: Life Lessons from My Grandfather, Nelson Mandela' Cortney McDermott is an award-winning author and speaker and celebrity coach. Her work in self-development and business strategy has been featured in Inc., Women's Health, NBC, The Huffington Post, MindBodyGreen, and SUCCESS, and her talks on human potential have been shared on stages including TEDx, Mindvalley, Oxford Saïd Business School, and Richard Branson's private island, Necker. With a Master of Science from the London School of Economics, Cortney blends academic rigor with real-world experience to help individuals and organizations reach their highest potential. Her career highlights include executive roles at Vanity Fair Corporation, Vice President at Sustainability Partners Inc., and successfully running her own businesses, where she has worked with brands such as Universal Music Group, Nike, Kickstarter, and Google. Fluent in four languages, Cortney splits her time between Italy and the US. Connect with Cortney Website: https://www.cortneymcdermott.com/ LinkedIn: https://www.linkedin.com/in/cortneymcdermott Instagram: https://www.instagram.com/cortneymcdermott/ Resource Freebie: free meditation on website About Linda Grizely Linda Grizely, CFP®, is a financial wellness speaker and personal finance expert and educator. She is the creator of the MeMoney® Method, and host of the Real Money, Real Life™ podcast. Bridging financial strategy with behavioral insight, she helps people build confidence and clarity with their money and teaches individuals and organizations how to replace financial overwhelm with empowerment and real-world results. Connect with Linda Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X: https://twitter.com/LindaGrizely Resources What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz Join Linda's Free Community: https://bit.ly/RealMoneyRealLifeCommunity Useful Personal Finance Checklists and Flowcharts:  www.lindagriz.com/resources DISCLOSURES Real Money, Real Life™ is hosted and produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine, an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from and unaffiliated with Nectarine. The views expressed on this podcast are those of the individuals expressing them and do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests on the podcast may express opinions or discuss financial strategies that are their own and should not be considered recommendations or personalized financial advice. This podcast is provided for informational, educational, and entertainment purposes only and should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com https://www.lindagriz.com/disclaimers

How to pay off your mortgage faster without more income is something a lot of people are quietly searching for—and questioning whether the traditional 30-year mortgage is really the best path. On the Real Money, Real Life™ podcast, Linda Grizely sits down with Ann Pells to challenge the idea that a 30-year mortgage is the "normal" or smartest way to build financial stability—and explore what might be keeping people stuck. The truth is, for many people, the structure of a traditional mortgage means most of your early payments go toward interest, not progress. That can leave you feeling like you're working hard but not getting ahead. So, what if the problem isn't how hard you're working—but how the system is set up? What if there's a different way to organize your cash flow so your money works harder for you? In this conversation on the Real Money, Real Life™ podcast, Linda Grizely and Ann Pells unpack how mindset, cash flow structure, and income strategy all play a role in financial freedom—and why the 30-year mortgage may not align with real life for many people. We walk through how rethinking your mortgage approach could potentially shift how quickly you build equity, how flexibility versus structure impacts financial stress, and why the emotional weight of a long-term obligation matters more than most financial advice acknowledges. You'll hear how Ann's personal experience with job loss and financial pressure led her to question traditional systems—and what she discovered instead. You'll also hear a different perspective on building income—not by working more hours, but by thinking about income sources differently—and how mindset can either keep you stuck or open the door to new possibilities. This conversation isn't about one-size-fits-all answers. It's about asking better questions, understanding the rules you've been handed, and deciding whether they work for your life. Because financial freedom isn't just about following the plan—it's about understanding it well enough to challenge it. We talk about: How to pay off your mortgage faster without increasing income Why the 30-year mortgage structure can slow financial progress How cash flow restructuring can change how your money works The mindset blocks that keep people stuck financially TIMESTAMPS (00:00) The 30-year mortgage lie explained (02:31) Job loss and the turning point with money (04:40) How cash flow restructuring works (09:16) Mortgage vs home equity strategy discussion (12:07) Emotional impact of financial obligations (14:48) Step 2: building income through business (20:10) Step 3: mindset and financial flexibility (24:38) Fear and doubt as financial obstacles (30:02) One simple mindset shift to start About Ann  Ann's mission is simple yet profound: to empower individuals to reclaim their financial freedom and live the life they've always dreamed of. Her journey started with a free call.   Through the Three Steps to Financial Freedom, she guides people to: Pay off their homes in 5–7 years without increasing expenses or changing income. Build multiple streams of passive income, including done-with-you businesses and real estate. Gain financial peace of mind in just one hour a week while creating a legacy for generations to come. Guest Links www.annsplan.com https://www.tiktok.com/@getannsplan?lang=en https://www.instagram.com/getannsplan/ https://www.facebook.com/profile.php?id=61582457011490 About Linda Linda Grizely, CFP®, is a financial wellness speaker and personal finance expert and educator. She is the creator of the MeMoney® Method, and host of the Real Money, Real Life™ podcast. Bridging financial strategy with behavioral insight, she helps people build confidence and clarity with their money and teaches individuals and organizations how to replace financial overwhelm with empowerment and real-world results. Connect with Linda Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X: https://twitter.com/LindaGrizely Resources What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz Join Linda's Free Community: https://bit.ly/RealMoneyRealLifeCommunity Useful Personal Finance Checklists and Flowcharts:  www.lindagriz.com/resources DISCLOSURES Real Money, Real Life™ is hosted and produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine, an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from and unaffiliated with Nectarine. The views expressed on this podcast are those of the individuals expressing them and do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests on the podcast may express opinions or discuss financial strategies that are their own and should not be considered recommendations or personalized financial advice. This podcast is provided for informational, educational, and entertainment purposes only and should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com https://www.lindagriz.com/disclaimers

If you're wondering why retirement feels empty—or worried it might—this episode of the Real Money, Real Life podcast with Linda Grizely will help you rethink what comes next. Retirement isn't about stopping work. It's about having the freedom to choose what your life looks like. 👉 Retirement feels empty when you've been working toward an ending instead of building toward something meaningful. Why do so many people feel lost after retiring? What are you supposed to do with your time, identity, and purpose? 👉 Retirement isn't the absence of work—it's the absence of needing to work. In this episode of the Real Money, Real Life podcast, Linda Grizely sits down with Eric Brotman to unpack why retirement feels empty for so many people—and what to do instead. If you've spent decades working toward retirement, only to realize you're not sure what comes next, you're not alone. This conversation challenges the idea that retirement is the goal and instead reframes it as a transition into something new. Linda Grizely and Eric Brotman explore how financial planning is about more than just numbers—it's about building a life that still feels meaningful when work becomes optional. Through real-life examples and experience, they explain why purpose, identity, and engagement matter just as much as financial security. If you've ever thought, "I don't want to retire… but I don't know what else to do," this episode will help you think about retirement differently. WE TALK ABOUT: Why retirement feels empty for so many people What makes retirees happy and fulfilled How to shift from "retiring" to building your next chapter Why having something to move toward matters more than stopping work How identity and purpose are tied to your career What financial independence really means in real life How to start thinking about what comes next before you retire TIMESTAMPS (00:00) Why retirement feels empty (02:28) What happens when people stop working completely (05:47) Why purpose matters more than retirement itself (06:01) What financial independence means (08:00) How to figure out what to do after retirement (20:06) Identity and life after your career (27:36) Biggest fears about retirement (34:27) What to do this week to prepare About Eric Brotman Eric D. Brotman is Chairman of the Board and Chief Growth Officer of BFG Financial Advisors and Managing Principal of Brotman Consulting Group, LLC. He started in the financial planning industry in 1994 and launched a start-up in 2003 which has grown to over 25 employees and over $1 billion in assets under management. He's the author of three books including the award-winning "Don't Retire...Graduate!" and hosts a podcast by that same name. Connect with Eric Brotman www.bfgfa.com www.bfguniversity.com www.dontretiregraduatebook.com https://www.facebook.com/BFGFinancialAdvisors/ https://www.facebook.com/DontRetireGraduate https://www.linkedin.com/in/ebrotman/ https://www.linkedin.com/company/bfgfa/ https://www.instagram.com/dontretiregraduate/ https://www.instagram.com/bfgfinancialadvisors/ https://www.youtube.com/@BFGUniversity About Linda Grizely Linda Grizely, CFP®, is a financial wellness speaker and personal finance expert and educator. She is the creator of the MeMoney® Method, and host of the Real Money, Real Life™ podcast. Bridging financial strategy with behavioral insight, she helps people build confidence and clarity with their money and teaches individuals and organizations how to replace financial overwhelm with empowerment and real-world results. Connect with Linda Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X (Twitter): https://twitter.com/LindaGrizely  Resources / Freebies What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz Join Linda's Free Community: https://bit.ly/RealMoneyRealLifeCommunity Useful Personal Finance Checklists and Flowcharts: www.lindagriz.com/resources IMPORTANT DISCLOSURES Real Money, Real Life™ is hosted and produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine, an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from and unaffiliated with Nectarine. The views expressed on this podcast are those of the individuals expressing them and do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests on the podcast may express opinions or discuss financial strategies that are their own and should not be considered recommendations or personalized financial advice. This podcast is provided for informational, educational, and entertainment purposes only and should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com https://www.lindagriz.com/disclaimers

How do you align your money with your life so it feels meaningful—not just optimized? This episode breaks down money and life alignment in a way that finally makes sense. In this episode of Real Money, Real Life™, Linda Grizely sits down with Carl Richards, Certified Financial Planner™, author, and creator of The Sketch Guy column in The New York Times. Carl shares why money is never just math, how behavior drives financial decisions, and what it really looks like to connect your financial choices to what matters most in your real life. From simple sketches to powerful mindset shifts, this conversation strips away complexity and brings financial wellness back to clarity and intention. We Talk About: • How to align your money with your life in a practical way • Why financial decisions are driven by behavior, not optimization • The difference between "your money or your life" vs. "your money and your life" • Why complexity keeps people stuck in personal finance • How awareness—not budgeting—can improve spending habits • The role of emotions in financial decision-making • Why clarity matters more than perfect financial planning About Carl Richards: Carl Richards started The Sketch Guy column in The New York Times from the hills of Utah, crafting clear, relatable insights about money with just card stock and a Sharpie. The column ran weekly for a decade. This journey began when Carl applied for what he thought was a job as a "security guard," only to find out the ad actually said "securities." That slight misstep sparked a lifelong dedication to reshaping how we think about money. Since then, Carl has become a Certified Financial Planner™, built and sold a successful investment firm, and spoken at financial and investment events worldwide—from Australia to South Africa, the UK, and major economic centers across Europe, Canada, and the United States. His bestsellers, The Behavior Gap and The One-Page Financial Plan, have been translated into over ten languages and continue to resonate globally. Through his daily podcast, Behavior Gap Radio, which now has over 1,000 episodes and over one million downloads, Carl shares new perspectives on aligning our resources with what truly matters. His latest audio project, 50 Fires, backed by executive producers Chip and Joanna Gaines, explores the intersections of money and meaning with guests like Pete Holmes, David Whyte, Krista Tippett, and his favorite guest by far, his wife, Cori. Carl founded The Society of Advice, a community of financial planners dedicated to the craft of advice. They gather for a monthly online workshop and frequent retreats in Park City, Utah. In 2025, Carl will release a new book that, true to form, will be unlike anything seen in the personal finance section—and you better believe there will be sketches (97 of them, to be exact). When he's not exploring ideas about money, Carl, a Wilderness First Responder, can be found navigating Utah's high mountain ridges on foot, skis, or bike. Married to Cori since 1995, they have four kids, whom they consider their best friends. Connect with Carl: Buy the book: https://www.amazon.com/Your-Money-Reimagining-Wealth-Sketches/dp/1804091715 Bulk order: https://bulkbooks.com/products/your-money-reimagining-wealth-in-simple-sketches Instagram: https://instagram.com/behaviorgap LinkedIn: https://www.linkedin.com/in/thinkingcarl/ X: https://x.com/behaviorgap About Linda Grizely: Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers and tactics (real money) with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™. Connect with Linda: Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X (Twitter): https://twitter.com/LindaGrizely Resources/Freebies: What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz Join Linda's Free Community: https://bit.ly/RealMoneyRealLifeCommunity Useful Personal Finance Checklists and Flowcharts: www.lindagriz.com/resources ℹ️ Important Disclosures: Real Money, Real Life™ is hosted and produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine, an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from and unaffiliated with Nectarine. The views expressed on this podcast are those of the individuals expressing them and do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests on the podcast may express opinions or discuss financial strategies that are their own and should not be considered recommendations or personalized financial advice. This podcast is provided for informational, educational, and entertainment purposes only and should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com https://www.lindagriz.com/disclaimers

How to lower your monthly bills without earning more or working harder—this episode breaks down exactly how it works. If you've ever wondered why your bills keep creeping up, this conversation will help you understand how to lower your monthly bills and create immediate financial breathing room. Most people focus on earning more—but one of the fastest ways to improve financial wellness is by reducing what you're already spending. And the truth is, many people are overpaying on everyday bills without even realizing it. In this episode of Real Money, Real Life™, Linda Grizely sits down with Barry Gross, Founder of BillCutterz, to talk about how bill negotiation works, why "bill creep" happens, and how lowering fixed expenses can create instant cash flow without changing your lifestyle. 💡We Talk About: • how to lower your monthly bills without changing services • why most people are overpaying on cell phone, internet, and cable bills • what "bill creep" is and how it quietly increases your expenses over time • how bill negotiation works behind the scenes • how lowering fixed expenses improves financial wellness and cash flow • why controlling expenses is faster than trying to earn more income • how service providers decide when to offer discounts • how much money people typically save by negotiating bills Additional Note: For individuals, average savings are $400+ per bill annually, typically across 2–3 bills. BillCutterz works with businesses, too. Business savings are typically over $10,000 per business, with many sending 15+ bills and saving thousands on just one. About Barry Gross: Our featured guest today is a financial veteran with a remarkable 50 years of experience dedicated to helping individuals and businesses enhance their financial well-being by generating lasting, significant cash flow. With an educational foundation that includes a Bachelor of Business Degree in Marketing from the University of Houston, Barry spent ten years of his career as a Financial Planner and Asset Manager at the premier brokerage firm, E.F. Hutton. This invaluable experience enabled him to launch two highly successful companies. He has helped generate millions for customers throughout his career and holds a powerful philosophy on wealth creation: "Navigating financial success is not rocket science, but one does need to know the fundamentals of making and growing money." Additionally, Barry said, "The difference between financially successful people and those who struggle with their finances has nothing to do with how smart they are. Successful people embrace advice and guidance from people who are successful themselves." Currently, Barry is the Founder of BillCutterz, the industry-leading bill negotiation service he established 16 years ago. BillCutterz is designed to help customers lower their rates on monthly bills without changing their plan or service. This innovative service garnered national attention and has been featured on major media platforms, including ABC World News Tonight, CNBC, CNN, and Good Morning America. Mr. Gross stated, "Everyone is overpaying on their monthly bills, and it's our job and mission to lower the rates for those who are not already taking advantage of a service like ours. BillCutterz can and does put money right back in the pockets of its customers." Connect with Barry: https://billcutterz.com/?p=LINDAGRIZELY  (this is an affiliate links, which means Linda may earn a small commission if you purchase through them, at no extra cost to you.) https://www.instagram.com/billcutterz_marketing/ https://www.facebook.com/BillCutterz/ About Linda Grizely: Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers and tactics (real money) with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™. Connect with Linda: Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X (Twitter): https://twitter.com/LindaGrizely Resources/Freebies: What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz Join Linda's Free Community: https://bit.ly/RealMoneyRealLifeCommunity Useful Personal Finance Checklists and Flowcharts: www.lindagriz.com/resources Important Disclosures: Real Money, Real Life™ is hosted and produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine, an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from and unaffiliated with Nectarine. The views expressed on this podcast are those of the individuals expressing them and do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests on the podcast may express opinions or discuss financial strategies that are their own and should not be considered recommendations or personalized financial advice. This podcast is provided for informational, educational, and entertainment purposes only and should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com https://www.lindagriz.com/disclaimers

Episode Description: Investment fraud red flags are often hidden in plain sight—and most people don't realize it until it's too late. This episode will help you understand what to look for before you invest so you can protect yourself with confidence. In this episode of Real Money, Real Life™, Linda Grizely sits down with James Brandolino, an expert in investment fraud prevention, to break down how investment fraud happens, the red flags investors often miss, and what you can do to protect yourself before handing over your money. James shares his firsthand experience—from working in the financial industry to committing fraud, serving time, and now helping others recognize the warning signs. This conversation brings a rare, behind-the-scenes perspective into how fraud begins, why it's often not intentional at first, and how it escalates over time. This episode is designed to help you feel more aware, more informed, and more confident asking the right questions when it comes to your money. When you know what to look for, you take away the fraudster's advantage. We Talk About: • Investment fraud red flags and how to identify warning signs early • Financial advisor misconduct, including switching and selling away • Why investment fraud often starts unintentionally and escalates over time • What due diligence actually looks like before and during an investment • How misleading illustrations and assumptions can impact decisions • Why people hesitate to question advisors—and how to move past that • What to watch for when investing in private or alternative investments About James Brandolino: Today, we're joined by James Brandolino, a leading expert in investment fraud prevention. What makes James uniquely qualified is his extraordinary journey from being an investment fraudster to a fraud prevention expert. After starting as a securities broker and later managing a hedge fund, James made the devastating decision to alter investor statements and cover trading losses with personal funds for over eight years, ultimately leading to a federal conviction and six-and-a-half years in prison. During his incarceration, he studied forensic accounting and analyzed investment fraud cases, transforming his firsthand knowledge of fraudulent tactics into a mission to protect others. Now he helps investors and organizations identify critical red flags and safeguard their assets from the very schemes he once perpetrated. Connect with James: https://www.investmentfraudsolutions.com/james-brandolino https://www.linkedin.com/in/jamesbrandolino/ www.InvestigateBeforeYouInvest.com About Linda Grizely: Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers and tactics (real money) with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™. Connect with Linda: Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X (Twitter): https://twitter.com/LindaGrizely Resources/Freebies: What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz Join Linda's Free Community: A space for real talk, fresh starts, and women who are done putting themselves last. https://bit.ly/RealMoneyRealLifeCommunity Useful Personal Finance Checklists and Flowcharts: www.lindagriz.com/resources ℹ️ Important Disclosures: Real Money, Real Life™ is hosted and produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine, an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from and unaffiliated with Nectarine. The views expressed on this podcast are those of the individuals expressing them and do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests on the podcast may express opinions or discuss financial strategies that are their own and should not be considered recommendations or personalized financial advice. This podcast is provided for informational, educational, and entertainment purposes only and should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com https://www.lindagriz.com/disclaimers

Episode Description: How much life insurance do I need—and how does it fit into your overall financial planning? This episode breaks down life and disability insurance in a practical, financial wellness-focused way. How much life insurance do I need is one of the most common—and most misunderstood—questions in personal finance. In this episode of Real Money, Real Life™, Linda Grizely sits down with Peter Ciravolo to walk through how to think about life insurance and disability insurance without confusion, pressure, or overbuying. Insurance isn't about fear—it's about protecting your income, your independence, and the people who rely on you. This conversation focuses on how much life insurance you actually need, when disability insurance matters most, and how these decisions fit into a broader financial planning and financial wellness strategy. If you've been wondering how much life insurance you need, whether disability insurance is worth it, or how to approach insurance as part of your financial plan, this episode gives you a clear starting point. We Talk About: • how much life insurance you need based on income and financial goals • term vs permanent life insurance and why term is often the right fit • when you need life insurance (marriage, kids, debt, income protection) • when to get disability insurance and why it's often overlooked • how disability insurance protects your income if you can't work • why most people underestimate their risk of disability • how insurance fits into financial planning and financial wellness • when long-term care insurance comes into the conversation About Peter Ciravolo: Peter is a co-founder of BC Brokerage. BC Brokerage is licensed in all 50 states and helps fee-only planners implement insurance solutions for their clients' financial plans. We help with life, disability, long-term care, annuity, home, auto, umbrella, and business insurance. Outside of work, Peter resides in Miami, FL. Peter loves to travel (been to 40+ countries), golf, workout, cook, try new restaurants, and go out on his boat/fish. Connect with Peter: Website: www.bc-brokerage.com LinkedIn: https://www.linkedin.com/company/bc-brokerage/  About Linda Grizely: Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers and tactics (real money) with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™. Connect with Linda: Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X (Twitter): https://twitter.com/LindaGrizely Resources/Freebies: What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz Join Linda's Free Community: A space for real talk, fresh starts, and women who are done putting themselves last. https://bit.ly/RealMoneyRealLifeCommunity Useful Personal Finance Checklists and Flowcharts: www.lindagriz.com/resources ℹ️ Important Disclosures: Real Money, Real Life™ is hosted and produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine, an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from and unaffiliated with Nectarine. The views expressed on this podcast are those of the individuals expressing them and do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests on the podcast may express opinions or discuss financial strategies that are their own and should not be considered recommendations or personalized financial advice. This podcast is provided for informational, educational, and entertainment purposes only and should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com https://www.lindagriz.com/disclaimers

Episode Description Money decisions don't exist in a vacuum — they're deeply connected to how we see ourselves and what we believe we're capable of. In this episode of Real Money, Real Life™, Linda Grizely sits down with Amy Lenius to explore the three pillars of success — self-belief, self-worth, and consistency — and how they influence the way we approach personal finance, habits, and long-term growth. Amy shares practical frameworks for building belief in yourself, strengthening self-respect, and creating sustainable daily habits that compound into real transformation. Together, Linda and Amy connect these personal development concepts to money habits, financial confidence, and the small daily actions that build momentum over time. This conversation explores how mindset, identity, and habits shape the financial choices we make — and how small, intentional shifts can lead to meaningful change. We Talk About • The three pillars of success: self-belief, self-worth, and consistency • Why money habits are connected to mindset and identity • The "state, prove, self-assign" cycle for building self-belief • The self-worth pyramid and how boundaries impact confidence • How comparison can either inspire growth or undermine progress • The consistency framework for building habits that actually last • Why small, daily actions create long-term financial momentum About Amy Lenius Amy Lenius is the Director of Group Coaching at Next Level University, Professional Speaker, Event Coordinator, MC, and Next Level Certified Personal Development Coach. Connect with Amy https://www.nextleveluniverse.com/ About Linda Grizely Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers and tactics (real money) with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™. Connect with Linda Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X (Twitter): https://twitter.com/LindaGrizely Resources / Freebies What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz Join Linda's Free Community: https://bit.ly/RealMoneyRealLifeCommunity Useful Personal Finance Checklists and Flowcharts: www.lindagriz.com/resources   ℹ️ Important Disclosures:  Real Money, Real Life™ is hosted and produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine, an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from and unaffiliated with Nectarine. The views expressed on this podcast are those of the individuals expressing them and do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests on the podcast may express opinions or discuss financial strategies that are their own and should not be considered recommendations or personalized financial advice. This podcast is provided for informational, educational, and entertainment purposes only and should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com and https://www.lindagriz.com/disclaimers

Episode Description What if taxes weren't something to survive… but something to strategically use? In this episode of Real Money, Real Life™, Linda Grizely sits down with Gale Sciascia, EA, tax strategist and co-founder of Shasha Tax & Retirement, to talk about moving beyond tax compliance and into intentional, proactive tax strategy. Gale shares why so many business owners and professionals treat taxes as something to fear — and how understanding the tax code can transform anxiety into clarity. From entity structure and retirement planning to contractor classification and common deduction mistakes, this conversation pulls back the curtain on what it really means to be proactive instead of reactive. If you've been filing your taxes and hoping for the best, this episode will challenge you to think bigger. We Talk About: • The difference between tax preparation and tax strategy • Why proactive planning matters more than last-minute filing • Common mistakes business owners make with retirement plans and entity structure • Misuse of home office and vehicle deductions • Contractor vs. employee classification risks • Why tax and retirement planning should not live in separate silos • The importance of having a tax professional you can actually ask questions About Gale Sciascia Gale Sciascia, EA, is a tax strategist and co-founder of Shasha Tax & Retirement. With 15+ years of experience in high-level tax planning, IRS representation, and retirement strategy, she equips professionals and clients with actionable, compliant solutions that deliver measurable results. Connect with Gale: Website: https://shashatr.com Facebook: https://www.facebook.com/ShashaTR1040/ About Linda Grizely Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers and tactics (real money) with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™. Connect with Linda Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X (Twitter): https://twitter.com/LindaGrizely Resources / Freebies From Gale: Beyond Compliance – Entrepreneur Edition & Beyond Compliance – Advisor Edition by emailing https://shashatr.com/contact-us/ From Linda: What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz Join Linda's Free Community: A space for real talk, fresh starts, and women who are done putting themselves last. https://bit.ly/RealMoneyRealLifeCommunity Useful Personal Finance Checklists and Flowcharts: www.lindagriz.com/resources   Important Disclosures:  Real Money, Real Life™ is hosted and produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine, an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from and unaffiliated with Nectarine. The views expressed on this podcast are those of the individuals expressing them and do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests on the podcast may express opinions or discuss financial strategies that are their own and should not be considered recommendations or personalized financial advice. This podcast is provided for informational, educational, and entertainment purposes only and should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com and https://www.lindagriz.com/disclaimers

Episode Description What if bankruptcy isn't a failure — but a financial reset designed to help people regain stability and dignity? In this episode of Real Money, Real Life™, Linda Grizely sits down with Adrienne Hines, a bankruptcy attorney with nearly 30 years of experience and the creator of The Lady Like Lawyer, to talk openly about what bankruptcy really is — and what it isn't. Adrienne breaks down the different types of debt, explains how bankruptcy works in real life, and challenges the stigma that keeps people trapped in shame and misinformation. Together, they explore why bankruptcy exists, who it's designed to help, and how it can be a powerful tool for people facing unmanageable debt. This conversation reframes bankruptcy as a legal, financial option — not a moral failure — and offers clarity for anyone feeling overwhelmed, stuck, or afraid to ask questions about debt relief. We Talk About • Why bankruptcy exists and who it's designed to help • The difference between secured, unsecured, and priority debt • Chapter 7 vs. Chapter 13 bankruptcy • Why bankruptcy should not be viewed as a last resort • How compounding interest keeps people trapped in debt • Rebuilding credit and financial confidence after bankruptcy • Removing shame from conversations about debt About Adrienne Hines Adrienne Hines is a bankruptcy attorney with nearly 30 years of experience and the creator behind The Lady Like Lawyer. She uses her platform to teach people the truth about debt and bankruptcy with calm, straightforward guidance. Her work focuses on removing shame, correcting misinformation, and helping people understand their financial options with confidence. Adrienne continues her legal practice while creating content that empowers people to make informed decisions about their money. Her message is simple: everyone deserves debt relief with dignity. Connect with Adrienne • Website: https://www.theladylikelawyer.com/ • Instagram: https://www.instagram.com/theladylikelawyer/ • LinkedIn: https://www.linkedin.com/in/adrienne-hines-509b0067/ • TikTok: https://www.tiktok.com/@theladylikelawyer • YouTube: https://www.youtube.com/@TheLadyLikeLawyer • Facebook: https://www.facebook.com/TheLadyLikeLawyer • Bluesky: https://bsky.app/profile/theladylikelawyer.bsky.social About Linda Grizely Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda blends the numbers (real money) and tactics with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™. Connect with Linda • Website: https://www.LindaGriz.com • Instagram: https://www.instagram.com/lindagrizely • Facebook: https://www.facebook.com/thelindagrizely • LinkedIn: https://www.linkedin.com/in/linda-grizely • YouTube: https://www.youtube.com/@LindaGrizely • TikTok: https://www.tiktok.com/@lindagrizely • X (Twitter): https://twitter.com/LindaGrizely Resources / Freebies • What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz • What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz • Join Linda's Free Community — a space for real talk, fresh starts, and women who are done putting themselves last: https://info.lindagriz.com/widget/form/7NpbG0FdJW2Lwp57R0wj    Important Disclosures:  Real Money, Real Life™ is hosted and produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine, an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from and unaffiliated with Nectarine. The views expressed on this podcast are those of the individuals expressing them and do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests on the podcast may express opinions or discuss financial strategies that are their own and should not be considered recommendations or personalized financial advice. This podcast is provided for informational, educational, and entertainment purposes only and should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com and https://www.lindagriz.com/disclaimers

  🎙 Episode Description Money after loss isn't just about numbers — it's about grief, identity, and rebuilding confidence when everything has changed. In this episode of Real Money, Real Life™, Linda Grizely sits down with Paula Harris to talk about what widows face financially after loss — and how to move forward with clarity, compassion, and control. Paula shares insights from her work as a financial planner and widow advocate, helping women navigate the overwhelming decisions that often arrive during grief. Together, they discuss how traditional financial advice often misses the emotional reality of widowhood, and why meeting women where they are matters just as much as the strategy itself. This conversation centers on practical guidance, emotional awareness, and permission to move at your own pace — especially during one of life's most profound transitions. 💡 We Talk About • Why financial decisions feel different after loss • Common financial pitfalls widows face — and how to avoid them • The importance of slowing down major decisions • How grief impacts confidence and clarity • Small, practical steps to regain financial control • Why values-based planning supports healing and resilience 👤 About Paula Harris Paula Harris is a TEDx speaker and author of two books available on Amazon.com: Rise Up: A Widow's Journal and Rise Up: A Grief Journal. She is a co-founder of WH Cornerstone Investments, where she is part financial planner, part dream architect, and a fierce widow advocate. Paula is also the creator of Rise Up Retreats and is passionate about building communities of support and empowering widows to reclaim confidence in their financial future. 🔗 Connect with Paula • Website: https://whcornerstone.com • LinkedIn (Paula): https://www.linkedin.com/in/paulaharris/ • LinkedIn (WH Cornerstone): https://www.linkedin.com/company/wh-cornerstone-investments/ • Instagram: https://www.instagram.com/whcornerstone/ • Facebook: https://www.facebook.com/WHCornerstone • X (Twitter): https://x.com/PaulaHarris • YouTube: https://www.youtube.com/@whcornerstoneinvestments 👤 About Linda Grizely Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda blends the numbers (real money) and tactics with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™. 🔗 Connect with Linda • Website: https://www.LindaGriz.com • Instagram: https://www.instagram.com/lindagrizely • Facebook: https://www.facebook.com/thelindagrizely • LinkedIn: https://www.linkedin.com/in/linda-grizely • YouTube: https://www.youtube.com/@LindaGrizely • TikTok: https://www.tiktok.com/@lindagrizely • X (Twitter): https://twitter.com/LindaGrizely   🤝 Resources / Freebies What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz Join Linda's Free Community — a space for real talk, fresh starts, and women who are done putting themselves last: https://info.lindagriz.com/widget/form/7NpbG0FdJW2Lwp57R0wj Paula's Widow Resource Guide: https://bit.ly/3ItdrId     Important Disclosures:  Real Money, Real Life™ is hosted and produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine, an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from and unaffiliated with Nectarine. The views expressed on this podcast are those of the individuals expressing them and do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests on the podcast may express opinions or discuss financial strategies that are their own and should not be considered recommendations or personalized financial advice. This podcast is provided for informational, educational, and entertainment purposes only and should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com and https://www.lindagriz.com/disclaimers

🎙 Episode Description What if compassion wasn't something extra — but something essential to how we make decisions, including financial ones? In this episode of Real Money, Real Life™, Linda Grizely sits down with Amy Quesenberry to explore how compassion shows up in everyday life — including how we make decisions, communicate, lead, and relate to money. Amy shares insights from her work around compassion as a practical, lived value rather than a soft or abstract concept. Together, they discuss how compassion influences financial confidence, workplace dynamics, and the way people navigate moments of stress, uncertainty, and self-judgment. This conversation invites listeners to rethink compassion as a strength that supports clearer thinking, healthier boundaries, and more grounded financial choices — especially in moments where people tend to be hardest on themselves. 💡 We Talk About • What compassion looks like in everyday life • Why compassion supports confidence — including financial confidence • How self-judgment impacts decision-making • Reframing compassion as strength, not weakness 👤 About Amy Quesenberry Amy Quesenberry is on a mission to help make our world a more compassionate place! She is the Start with Compassion® framework creator, best-selling author, Motivational Speaker, an Organizational Development Coach, co-host of the Infuse Compassion Podcast, and co-creator of the Infuse Compassion into Companies Conference. With over 20 years in Human Capital, focusing on the After 20 years in corporate HR, she developed the Start with Compassion® framework . This innovative approach encourages compassionate actions to improve self-reflection, connections, and overall well-being. With a master's in organizational leadership, Amy empowers audiences and the clients she coaches to transform their lives and environments through compassion. 🔗 Connect with Amy  Website: https://startwithcompassion.com/ LinkedIn SWC: https://www.linkedin.com/company/start-with-compassion/  LinkedIn Amy Q: www.linkedin.com/in/amy-quesenberry Instagram: https://www.instagram.com/start_with_compassion/?next=%2F Twitter: https://twitter.com/SW_Compassion  Facebook: https://web.facebook.com/startwithcompassion  Pinterest: https://www.pinterest.com/Start_With_Compassion/  👤 About Linda Grizely Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda blends the numbers (real money) and tactics with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™. 🔗 Connect with Linda Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X (Twitter): https://twitter.com/LindaGrizely 🤝 Resources / Freebies What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz Join Linda's Free Community — a space for real talk, fresh starts, and women who are done putting themselves last: https://info.lindagriz.com/widget/form/7NpbG0FdJW2Lwp57R0wj       Important Disclosures:  Real Money, Real Life™ is hosted and produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine, an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from and unaffiliated with Nectarine. The views expressed on this podcast are those of the individuals expressing them and do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests on the podcast may express opinions or discuss financial strategies that are their own and should not be considered recommendations or personalized financial advice. This podcast is provided for informational, educational, and entertainment purposes only and should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com and https://www.lindagriz.com/disclaimers

🎙 Episode Description Motherhood doesn't erase ambition — but it often reshapes how women earn, negotiate, and build wealth. In this episode of Real Money, Real Life™, Linda Grizely is joined by Khiara Cureton, Executive Career & Wealth Coach and founder of AncHER Co., to unpack the money blocks that show up after women become mothers. Together, they explore how guilt, burnout, and identity shifts impact earning power, career progression, and long-term wealth — and why motherhood often exposes not just a glass ceiling, but a wealth ceiling. Khiara shares why career and money are inseparable, how hesitation quietly keeps women underpaid and overlooked, and what ambitious mothers can do to step into leadership and financial confidence without sacrificing presence or burning out. This conversation is a grounded resource for mothers who refuse to shrink their goals and want to build a life where ambition, money, and motherhood coexist. 👤 About Khiara Cureton Khiara Cureton is an Executive Career & Wealth Coach and founder of AncHER Co. She helps ambitious mothers step into executive leadership, negotiate bigger salaries, and build financial freedom—without sacrificing their personal lives. Through coaching, speaking, and her upcoming book, she's redefining what success looks like for working mothers. 🔗 Connect with Khiara Website: https://www.ancherco.com Instagram: https://www.instagram.com/theancherco LinkedIn: https://www.linkedin.com/in/khiaracureton/ 👤 About Linda Grizely Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda blends the numbers (real money) and tactics with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™. 🔗 Connect with Linda Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X (Twitter): https://twitter.com/LindaGrizely 🤝 Resources / Freebies What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz Join Linda's Free Community — a space for real talk, fresh starts, and women who are done putting themselves last: https://info.lindagriz.com/widget/form/7NpbG0FdJW2Lwp57R0wj ·         Get Your Money + Career Action Plan https://www.ancherco.com     Important Disclosures:  Real Money, Real Life™ is hosted and produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine, an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from and unaffiliated with Nectarine. The views expressed on this podcast are those of the individuals expressing them and do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests on the podcast may express opinions or discuss financial strategies that are their own and should not be considered recommendations or personalized financial advice. This podcast is provided for informational, educational, and entertainment purposes only and should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com and https://www.lindagriz.com/disclaimers

🎙 Episode Description Money is one of the most common sources of stress in relationships — not because couples don't care, but because most were never taught how to talk about it. In this episode of Real Money, Real Life™, Linda Grizely sits down with Dr. Robin Buckley to explore how couples can approach money conversations with more clarity, structure, and intention. Drawing on her background in cognitive-behavioral coaching and business frameworks, Robin shares why money discussions often become emotionally charged and how couples can reduce conflict by creating shared roles, routines, and expectations around finances. Together, they discuss how communication styles impact financial confidence, why avoiding money conversations often causes more harm than good, and how couples can build trust and alignment without blame or overwhelm. This episode is a practical resource for couples — especially women — who want to feel confident with money while strengthening their relationship. 💡 We Talk About • Why money becomes one of the biggest stressors in relationships • How emotional reactions derail financial conversations • Using business-style structure to reduce conflict • Creating intentional money conversations as a couple • How clarity and communication strengthen both finances and connection 👤 About Dr. Robin Buckley Dr. Robin Buckley helps high-achieving clients thrive in their careers and relationships. She is a cognitive-behavioral coach, author, professional speaker, and TED speaker who works with executives, teams, and high-performance couples. Her best-selling book, Marriage Inc: The Boardroom Blueprint to a Lasting Love, was released in September 2025. 🔗 Connect with Robin Website: https://drrobinbuckley.com Instagram: https://www.instagram.com/drrobinbuckley/ Facebook: https://www.facebook.com/profile.php?id=61578967486178 TikTok: https://tiktok.com/@drrobinbuckley Threads: https://www.threads.com/@drrobinbuckley LinkedIn: https://www.linkedin.com/in/dr-robin-buckley/ Bluesky: https://bsky.app/profile/drrobinbuckley.bsky.social YouTube: https://www.youtube.com/@DrRobinBuckley Pinterest: https://www.pinterest.com/drrobinbuckley/marriage-inc/ 👤 About Linda Grizely Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda blends the numbers (real money) and tactics with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™. 🔗 Connect with Linda Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X (Twitter): https://twitter.com/LindaGrizely 🤝 Resources / Freebies What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz Join Linda's Free Community — a space for real talk, fresh starts, and women who are done putting themselves last: https://info.lindagriz.com/widget/form/7NpbG0FdJW2Lwp57R0wj ·         Marriage Inc.: The Boardroom Blueprint for a Lasting Love — 20% discounthttps://app.drrobinbuckley.com/checkout-page-funnel       Important Disclosures:  Real Money, Real Life™ is hosted and produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine, an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from and unaffiliated with Nectarine. The views expressed on this podcast are those of the individuals expressing them and do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests on the podcast may express opinions or discuss financial strategies that are their own and should not be considered recommendations or personalized financial advice. This podcast is provided for informational, educational, and entertainment purposes only and should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com and https://www.lindagriz.com/disclaimers

🎙 Episode Description Traditional financial advice wasn't built for real life — or for women — and this episode explains why. In this conversation, Linda Grizely is joined by Lisa Chastain, nationally recognized money expert and author of Stop Budgeting, Start Living, to unpack why shame-based financial advice keeps people stuck and how money beliefs are shaped long before we ever touch a budget or an investment account. Lisa explains how neurolinguistic programming (NLP) and financial imprinting influence the way we think, feel, and act with money, especially for women who were never taught to see themselves as financially powerful. Together, Linda and Lisa explore why budgeting fails so many people, how clarity creates calm, and what it looks like to build a relationship with money rooted in self-trust instead of restriction. This episode is for anyone who feels capable in life but disconnected or anxious around money — and who is ready to stop following a system that was never designed for them. 💡 We Talk About Why the financial industry is broken for women How shame-based money advice keeps people stuck Neurolinguistic programming (NLP) and financial imprinting Why budgeting doesn't work for most people The connection between self-trust and financial confidence Using simple systems to create clarity and calm 👤 About Lisa Chastain Lisa Chastain is a nationally recognized money expert and bestselling author featured on CNBC, O — The Oprah Magazine, Fortune, Business Insider, and Forbes. With over 20 years of experience helping women take control of their finances, she is known for her fresh, no-shame approach to money. Her newest book, Stop Budgeting, Start Living, challenges outdated financial advice and offers a practical, empowering path to lasting financial confidence. Today, Lisa brings her expertise in money mindset, leadership, and financial emotional intelligence to help individuals and organizations thrive. 🔗 Connect with Lisa LinkedIn: https://www.linkedin.com/in/lisachastain Instagram: https://www.instagram.com/savvymoneywithlisa/ YouTube: https://www.youtube.com/@lisachastain Facebook: https://www.facebook.com/savvymoneywithlisa 👤 About Linda Grizely Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers (real money) and tactics with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™. 🔗 Connect with Linda Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X (Twitter): https://twitter.com/LindaGrizely 🤝 Resources / Freebies What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz Join Linda's Free Community — a space for real talk, fresh starts, and women who are done putting themselves last: https://info.lindagriz.com/widget/form/7NpbG0FdJW2Lwp57R0wj Lisa's Book: Stop Budgeting, Start Living: https://www.amazon.com/Stop-Budgeting-Start-Living-Transform/dp/B0DJKXX37N Lisa's Freebie: Money Personality Quiz: https://lisachastain.com/quiz/     Important Disclosures:  Real Money, Real Life™ is hosted and produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine, an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from and unaffiliated with Nectarine. The views expressed on this podcast are those of the individuals expressing them and do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests on the podcast may express opinions or discuss financial strategies that are their own and should not be considered recommendations or personalized financial advice. This podcast is provided for informational, educational, and entertainment purposes only and should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com and https://www.lindagriz.com/disclaimers

🎙 Episode Description Being suddenly single can feel like emotional whiplash — and money is often the first place the stress shows up In this episode of Real Money, Real Life™, Linda Grizely sits down with Sara Zuckerman, a Certified Financial Planner® and Certified Divorce Financial Analyst®, to talk about financial planning for women who find themselves suddenly single — whether through divorce, widowhood, a major life transition, or by choice. Sara shares what she sees most often when women are thrust into financial independence, why organization and clarity matter before big decisions are made, and how understanding cash flow, accounts, and priorities can turn fear into calm. They also discuss the emotional side of becoming financially independent, common mindset blocks women face, and why comparison and shame often keep women stuck longer than the numbers ever do. This conversation is a grounded, practical resource for women who feel overwhelmed, behind, or unsure where to start — and a reminder that becoming independent is not a setback, but a fresh start. 💡 We Talk About Financial planning challenges women face after divorce or widowhood Why understanding cash flow is the first critical step The emotional side of becoming financially independent Common mindset blocks like shame, fear, and comparison Why big financial decisions don't need to happen immediately How clarity and organization can reduce overwhelm 👤 About Sara Zuckerman Sara Zuckerman is a Certified Financial Planner™ (CFP) and Certified Divorce Financial Analyst® (CDFA) dedicated to helping women navigate the financial complexities of life transitions, particularly during and after divorce or widowhood. As the Founder and Lead Planner at Reset Financial Planning, Sara offers a unique approach tailored to the needs of women who find themselves suddenly single in mid-life. Her mission is to help her clients align their financial resources with their values, guiding them to confidently plan for the next chapter of their lives. In addition to her professional credentials, Sara holds an MBA from New York University's Stern School of Business and a BS in Business from the University of Colorado. Outside of work, she enjoys spending time with her husband and three sons, engaging in various activities such as cooking, hiking, skiing, and reading. 🔗 Connect with Sara Website: https://www.resetfinancialplanning.com LinkedIn: https://www.linkedin.com/company/resetfinancialplanning LinkedIn Personal: https://www.linkedin.com/in/sara-zuckerman/ Instagram: https://www.instagram.com/moneysavvysara Facebook: https://www.facebook.com/resetfinancialplanning YouTube: https://www.youtube.com/@resetfinancialplanning 👤 About Linda Grizely Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers (real money) and tactics with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™. 🔗 Connect with Linda Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X (Twitter): https://twitter.com/LindaGrizely 🤝 Resources / Freebies What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz Join Linda's Free Community: A space for real talk, fresh starts, and women who are done putting themselves last. https://bit.ly/RealMoneyRealLifeCommunity Useful Personal Finance Checklists and Flowcharts: www.lindagriz.com/resources Sara's Divorce Planning Checklist: https://hubspot.resetfp.com/divorce     Important Disclosures:  Real Money, Real Life™ is hosted and produced by Linda Grizely Ventures, LLC. Linda Grizely, CFP®, is an Investment Adviser Representative of Nectarine, an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate from and unaffiliated with Nectarine. The views expressed on this podcast are those of the individuals expressing them and do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Guests on the podcast may express opinions or discuss financial strategies that are their own and should not be considered recommendations or personalized financial advice. This podcast is provided for informational, educational, and entertainment purposes only and should not be construed as personalized investment advice or a solicitation to buy or sell any securities or financial products. Listeners should consult their own financial, legal, or tax professionals regarding their specific situation. For additional disclosures, please visit: https://hellonectarine.com and https://www.lindagriz.com/disclaimers

Episode Description Estate planning isn't about fear — it's about caring for the people you love, even when you can't be there. In this episode of Real Money, Real Life™, Linda Grizely sits down with estate planning attorney Tamara Marshall to talk about why estate planning is less about legal checklists and more about protecting your people, your property, and your peace of mind. Tamara shares why so many people delay estate planning, common misconceptions around wills and trusts, and how thoughtful planning can prevent conflict, confusion, and unnecessary stress for loved ones. They also discuss how estate planning evolves across different stages of life — from young adults heading to college to families with children to later-life planning. This episode is an educational resource for anyone who wants to approach estate planning as an act of love, clarity, and responsibility — not something driven by fear or avoidance. We Talk About Why estate planning is about love and peace of mind, not just legal documents Common misconceptions about wills, trusts, and probate The difference between estate planning and elder planning Why having a will alone doesn't always avoid probate How trusts work and why funding a trust matters The role of powers of attorney at different stages of life How clear instructions can prevent family conflict Why estate planning should be revisited as life circumstances change About Tamara Marshall Tamara is a compassionate and experienced attorney whose professional goal is to provide solutions for her clients, not anxiety. Tamara helps individuals and families protect what matters most—their people, property, and peace of mind. Whether you're planning your own legacy, assisting aging parents, or preparing a young adult for independence, Tamara makes estate planning simple, clear, and tailored to your needs. Connect with Tamara Website: https://kelleherholland.com/attorney/marshall-tamara-a/ LinkedIn: https://www.linkedin.com/in/tamara-marshall-06bb4329 About Linda Grizely Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers and tactics (real money) with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™. Connect with Linda Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X (Twitter): https://twitter.com/LindaGrizely Resources / Freebies What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz Join Linda's Free Community: A space for real talk, fresh starts, and women who are done putting themselves last. https://bit.ly/RealMoneyRealLifeCommunity Useful Personal Finance Checklists and Flowcharts: www.lindagriz.com/resources Tamara Marshall offers a 30-minute consultation after completing a personal information questionnaire.

Episode Description If you're running a business and still feel financial stress — even when revenue is coming in — this episode is for you. In this episode of Real Money, Real Life™, Linda Grizely sits down with Leanne Ozaine to talk about why many business owners struggle with profit clarity and financial stability, even when their businesses appear successful on paper. Leanne shares how focusing on revenue alone can hide deeper profit and cash flow issues, why traditional money advice often doesn't work for business owners, and how money stress can impact not only the business, but relationships and life at home as well. This episode is an educational resource for business owners who want to rethink how they approach money, reduce financial pressure, and make decisions with more clarity and confidence. We Talk About Why revenue growth doesn't always translate into profit How traditional money advice falls short for business owners The connection between business finances and stress at home What profit clarity looks like in day-to-day decision-making About Leanne Ozaine Leanne Ozaine is known by one phrase: "I help business owners never worry about money again." Despite having a CFP and 20 years of financial expertise, Leanne made a million dollars in her own business but had zero profit and nearly lost everything. When traditional financial advice failed her, she created the Two-Number Method - a radically simple approach that helped her find hidden profit and build a consistently profitable business. Now she helps entrepreneurs break free from the financial labels and limiting beliefs that keep them working harder but staying broke. Her straight-talking, no-jargon approach has helped thousands of business owners transform their relationship with money and finally keep what they make. Connect with Leanne Website: https://www.profitwithleanne.com/ Instagram: https://www.instagram.com/profitwithleanne TikTok: https://www.tiktok.com/@profitwithleanne About Linda Grizely Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers (real money) and tactics with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™. Connect with Linda Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X (Twitter): https://twitter.com/LindaGrizely Resources / Freebies What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz Join Linda's Free Community: A space for real talk, fresh starts, and women who are done putting themselves last. https://bit.ly/RealMoneyRealLifeCommunity Useful Personal Finance Checklists and Flowcharts: www.lindagriz.com/resources Get Leanne's 3-Step Guide to Save Your Business AND Your Marriage (When Money Is Threatening Both) https://gift.profitwithleanne.com The Profit Paradox: Why Everything You Learned About Money Is Wrong for Business https://profitparadox.abacusai.app/?sc=373867152f9fff8b98bc3a6538077532a8c26f14f  

Episode Description Foreclosure is one of those financial topics people often avoid — until they can't. In this episode of Real Money, Real Life™, Linda Grizely sits down with Scott Carson to break down foreclosure in a way that is educational, approachable, and grounded in real-world understanding. Scott explains what foreclosure is, how it works, and why so many people misunderstand it. They talk through common myths, what happens behind the scenes, and why learning how foreclosure functions can help people feel more informed — not intimidated — when navigating their financial lives. This conversation is especially helpful for women who feel behind or believe they "should know more by now," offering clarity without judgment and education without overwhelm. We Talk About What foreclosure means and how the process works Common misconceptions around foreclosure Why foreclosure is often misunderstood How education can reduce fear around financial topics Why understanding foreclosure matters even if you're not an investor About Scott Carson From small-town Texas roots to a nationally recognized authority in note investing, Scott Carson's journey is a testament to the power of entrepreneurship and a strong work ethic. Growing up in Ingleside, Texas, he learned the value of hard work at his family's hardware store. These early lessons shaped his career, leading him to excel in sales and finance. Scott's diverse background includes success in the telecommunications industry with Verizon Wireless and financial services at Citigroup and Chase, where he honed his skills in finance and investing. However, his entrepreneurial spirit led him to the world of real estate and note investing. After leaving the mortgage industry in 2008, Scott transitioned into a full-time real estate investor and coach. He quickly found his niche in the note business, eventually flipping notes and teaching his unique strategies to others. He is the founder of the Note Closure Show podcast and boasts the #1 YouTube channel and podcast for note investors, where he shares his expertise and insights. Scott has been recognized as the Educator of the Year for Note Investors and has been featured in publications such as the Wall Street Journal, Inc. Magazine, and Entrepreneur. He has facilitated over a billion dollars in distressed debt and residential commercial real estate transactions. He continues to help real estate investors across the country take their businesses to the next level by buying performing and non-performing notes. Scott enjoys cooking, sports, traveling and making memories with his family and friends and calling Austin, TX home. Connect with Scott Website: http://WeCloseNotes.com Website: http://Talkwithscottcarson.com About Linda Grizely Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers (real money) and tactics with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™. Connect with Linda Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X (Twitter): https://twitter.com/LindaGrizely Resources / Freebies Scott's Resource: http://NoteWeekend.com Linda's Resources: What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz Join Linda's Free Community: A space for real talk, fresh starts, and women who are done putting themselves last. https://info.lindagriz.com/widget/form/7NpbG0FdJW2Lwp57R0wj

Episode Description Financial planning doesn't happen in a vacuum — identity, relationships, values, and lived experience all matter. In this episode of Real Money, Real Life™, Linda Grizely sits down with Shari Rash, an LGBTQ+ inclusive financial planner, to talk about what it really means to create financial plans that reflect people's full lives — not just spreadsheets and assumptions. Shari shares how traditional financial planning often overlooks LGBTQ+ individuals and families, why inclusive language and representation matter, and how affirming conversations can change the way people experience money, trust, and long-term planning. This episode is for anyone who wants financial conversations that feel safer, more human, and more aligned — and for professionals who want to serve clients more thoughtfully and inclusively. We Talk About Why traditional financial planning often misses LGBTQ+ lived experiences The importance of inclusive language and identity-affirming conversations How trust and safety impact financial decision-making What inclusive financial planning actually looks like in practice Creating financial plans that reflect real relationships, families, and values About Shari Rash Shari Rash is a nationally recognized financial advisor, money mindset expert, and the host of Everyone's Talkin' Money—named a Top 4 money podcast by The New York Times, with over 24 million downloads. Shari breaks down complex financial topics into real-life conversations that empower women to own their worth and build lasting wealth. She's been named a 2024 Best Wealth Manager and Advisor Under 40 by InvestmentNews. When she's not talking money, she's a mom of four, Goldendoodle wrangler, and unapologetic lover of Grandmillennial decor. Connect with Shari Instagram: https://www.instagram.com/everyonestalkinmoney/ YouTube: https://www.youtube.com/channel/UCZ9XFRGOsgZr_WFd8T0ShLg X: https://x.com/MoneyChicShari LinkedIn: https://www.linkedin.com/in/shari-rash/ Facebook: https://www.facebook.com/everyonestalkinmoneypodcast Website: https://www.everyonestalkinmoney.com About Linda Grizely Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers (real money) and tactics with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™. 🤝 Connect with Linda Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X (Twitter): https://twitter.com/LindaGrizely 🧭 Resources / Freebies What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz Join Linda's Free Community: A space for real talk, fresh starts, and women who are done putting themselves last. https://info.lindagriz.com/widget/form/7NpbG0FdJW2Lwp57R0wj

Episode Description: In this episode of Real Money, Real Life™, Linda Grizely sits down with Jamie Lima, Certified Divorce Financial Analyst® (CDFA®) and founder of Allegiant Divorce Solutions, to talk about the financial realities of divorce — and why early planning makes all the difference. Jamie shares how divorce impacts long-term finances, why relying on attorneys alone can lead to costly mistakes, and how working with a divorce financial specialist can help people make informed, less reactive decisions. They also discuss mediation, asset division, taxes, and the emotional toll divorce takes on financial decision-making. We Talk About: • Why divorce planning is often done backwards — and how to approach it differently • The role of a Certified Divorce Financial Analyst® (CDFA®) • Common financial mistakes people make during divorce • Why timing, taxes, and access to money matter when dividing assets • How mediation differs from litigation and why it can lead to better outcomes • One immediate financial step to take if divorce is on the horizon About Jamie Lima: After watching his parents go through a divorce at a young age, and going through a tremendously expensive and emotionally-draining one himself in 2017, He launched Allegiant Divorce Solutions as a sister company to his traditional financial planning firm. He recognizes the challenges people face as they decide how to handle their finances relating to divorce. His saw his parents struggle, and it was challenging for him, too. Looking back, he sees the mistakes he made during his own divorce that could have been avoided had he had the support of a Certified Divorce Financial Analyst ®. At present, Jamie is armed with this ever-growing knowledge and almost 20 years of financial planning experience and dedicated to helping his clients navigate divorce. Connect with Jamie: LinkedIn: https://www.linkedin.com/in/jamielima/ Facebook Group: https://www.facebook.com/groups/preparingfinanciallyfordivorce/ Website (Allegiant Divorce): https://allegiantds.com/ Instagram (Allegiant Divorce): https://www.instagram.com/allegiantdivorce/ TikTok (Allegiant Divorce): https://www.tiktok.com/@allegiantdivorce Website (Secure Split): https://securesplit.com Consumer Toolkit(Secure Split): https://toolkit.securesplit.com Instagram (Secure Split): https://www.instagram.com/securesplitapp TikTok (Secure Split): https://www.tiktok.com/@securesplit Connect with Linda: Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X (Twitter): https://twitter.com/LindaGrizely Jamie & Linda's Resources / Freebies: What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz Join Linda's Free Community: A space for real talk, fresh starts, and women who are done putting themselves last. https://bit.ly/RealMoneyRealLifeCommunity Useful Personal Finance Checklists and Flowcharts: www.lindagriz.com/resources Jamie's Resource Toolkit: https://toolkit.securesplit.com

Episode Description: In this episode of Real Money, Real Life™, Linda Grizely sits down with nonprofit expert Sarah Olivieri to break down one of the most misunderstood parts of charitable giving: why unrestricted donations and funding operations actually create the greatest impact. Together, they explore how donors can rethink the way they give, why nonprofits need operational support to function and thrive, and how "restricted giving" often limits the very outcomes donors hope to achieve. This conversation will help you understand what really happens behind the scenes in nonprofits — and why giving without restrictions is one of the most powerful choices you can make. We Talk About:Why operations funding is essential for nonprofit effectiveness How restricted donations can unintentionally limit impact What donors should consider before earmarking a gift Why nonprofits need flexibility to allocate resources wisely About Sarah Olivieri: Sarah Olivieri just might be the change you've been searching for. The breath of fresh air that will reinvigorate your organization and reignite your spark of joy for the impact you can have. A globally renowned speaker and #1 international bestselling author, she has two decades of nonprofit leadership experience and she's poured her insight, expertise and vast knowledge into creating The Impact Method®️ - a powerful framework that helps nonprofits and for-profits alike simplify their operations, improve their capacity, build aligned teams, and make a bigger impact without getting overwhelmed or burning out. Sarah holds a BA from the University of Chicago with a focus on globalization and its effect on marginalized cultures, and a master's degree in Humanistic and Multicultural Education from SUNY New Paltz Connect with Sarah Olivieri: Website: https://pivotground.com LinkedIn: https://www.linkedin.com/in/sarah-olivieri/ About Linda Grizely: Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers and tactics (real money) with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™. Connect with Linda Grizely: Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X (Twitter): https://twitter.com/LindaGrizely Resources/Freebies: What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz Join Linda's Free Community: A space for real talk, fresh starts, and women who are done putting themselves last. https://bit.ly/RealMoneyRealLifeCommunity

Episode Descripton: In this episode of Real Money, Real Life™, Linda Grizely sits down with Josh Radman, CFP®, EA and Founder of Presidio Advisors, to break down the confusing world of equity compensation — RSUs, ISOs, NSOs, vesting schedules, exercising options, and more. Josh shares how his own experience receiving equity at tech companies revealed how little most employees are taught about their stock, and why so many people freeze, overthink, or miss opportunities. They explore how to understand the real value of your shares, what "bullish" actually means, how risk tolerance and opportunity cost fit into the decision to exercise options, and why equity should always be viewed in the context of your bigger life goals — not just taxes or company hype. Whether you're at a startup or a large public company, this episode gives a clear foundation for finally understanding your equity grants. We Talk About: • The differences between RSUs, ISOs, NSOs, and how each one works • What vesting really means and the timing rules most people miss • What it means to be "bullish" on your company • How to think about exercising stock options (including opportunity cost) • Why equity decisions should tie into lifestyle, career, and life goals • How to avoid mindset traps and confusion around tax implications • What to do first if you have equity compensation and feel overwhelmed About Josh Radman: Josh Radman's journey into financial planning was different than many. He started in tech where he received equity grants as part of his compensation package shortly after graduating from business school at Harvard. What was meant to be an exciting ownership opportunity quickly became a confusing tangle of tax rules, vesting schedules, and financial tradeoffs. When Josh looked for an advisor who could help him navigate these decisions, he found options lacking. That led him to launch his own firm, Presidio Advisors. Today, Josh specializes in guiding people through the maze of equity compensation, tax planning, and broader financial independence strategies. His approach especially resonates with younger professionals because it blends technical expertise with an understanding of the unique pressures and aspirations of his generation. For example, he doesn't just focus on whether clients should hold or sell their stock options—he ties those decisions to bigger questions about lifestyle, career transitions, and risk tolerance. This perspective makes him not just a financial planner, but also a partner in helping clients align their money decisions with their broader life goals. Now based in Denver but serving clients across the U.S., Josh has built Presidio Advisors into a firm that fills a critical gap for young professionals in tech and beyond. Connect with Josh: Website: https://www.presidioadvisorsllc.com LinkedIn: https://www.linkedin.com/in/joshradman/ About Linda Grizely: Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers and tactics (real money) with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™. Connect with Linda: Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X (Twitter): https://twitter.com/LindaGrizely Linda's Resources / Freebies What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz Join Linda's Free Community: A space for real talk, fresh starts, and women who are done putting themselves last. https://bit.ly/RealMoneyRealLifeCommunity Useful Personal Finance Checklists and Flowcharts: www.lindagriz.com/resources  

Description: What if the most loving thing you could do for your family had nothing to do with money -and everything to do with preparation? In this powerful episode of Real Money, Real Life™, Linda Grizely sits down with Cyndy Wulfsberg, to talk about end-of-life organization, legacy clarity, and the emotional peace that comes from planning ahead. Cyndy shares how creating her "Before I Die" workbook helps families document essential information, communicate final wishes, and spare loved ones from confusion, conflict, and costly mistakes. From wills and passwords to personal messages, this episode reminds us that preparation is the greatest gift we can leave behind. You'll learn:• Why avoiding the topic of death creates chaos for your family • How to make estate and healthcare planning less overwhelming • What to include in a simple legacy binder -and why it matters now, not later If you've ever thought, "I'll get to it someday," this conversation will inspire you to take action and give your loved ones the peace of mind they deserve. About Cyndy Wulfsberg: Cyndy Wulfsberg is the author of a best-selling book, Ghost or Guardian:  A Guidebook for the Pre-Dead. Do these things before you die so your heirs won't hate you later. It is a humorous look at cleaning up the mess you are making in your life before you leave it to people you claimed to love. The book was written while closing the estates of her four family members who left this world in varying degrees of preparedness, and she hopes her approach to the subject is a kick in the pants to get people making plans instead of feeling bad that they haven't. Connect with Cyndy: Website: https://fromthefilecabinet.com/ About Linda Grizely: Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers and tactics (real money) with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™. Connect with Linda: Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X (Twitter): https://twitter.com/LindaGrizely Resources / Freebies:Get Cyndy's:  You can be a Guardian Angel or a Ghost of Clutter Past Checklist at her website  https://fromthefilecabinet.com/ What's Your Money Personality Quiz – https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz – https://bit.ly/FinConfidQuiz Join Linda's Free Community – A space for real talk, fresh starts, and women who are done putting themselves last. https://info.lindagriz.com/widget/form/7NpbG0FdJW2Lwp57R0wj

Episode Description: In this episode of Real Money, Real Life™, Linda Grizely sits down with Penny DiGiovanna, Founder and Family Wealth Strategist at Financial Planning By Design. Penny shares her approach to helping families align their financial planning with their values, and the importance of thoughtful, multi-generational wealth strategies. We Talk About:• Why clarity around family wealth is about more than just numbers • How to bring values and purpose into financial planning • Key steps to prepare for smooth wealth transfer across generations About PennyDi Giovanna:  Penny Di Giovanna is the Founder & Family Wealth Strategist at Financial Planning By Design, a boutique virtual family office.  She guides families with complex financial lives through the Family Wealth Blueprint.  Her belief centers on wealth being about more than money.  It's about creating clarity and continuity, so the family stays aligned across generations. Connect with Penny: Website: https://www.financialplanningbydesign.com/ LinkedIn: https://www.linkedin.com/in/pennydigiovanna/ About Linda Grizely: Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers and tactics (real money) with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™. Connect with Linda: Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X (Twitter): https://twitter.com/LindaGrizely Resources/Freebies: What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz Join Linda's Free Community: A space for real talk, fresh starts, and women who are done putting themselves last. https://info.lindagriz.com/widget/form/7NpbG0FdJW2Lwp57R0wj  Useful Personal Finance Checklists and Flowcharts: www.lindagriz.com/resources

Episode Description: In this episode of Real Money, Real Life™, Linda Grizely sits down with Kim Egger to talk about the power of self-belief, perseverance, and conviction in building a new life and creating legacy wealth. Kim shares her journey as an entrepreneur and property manager, and how she helps families rethink what financial stewardship and legacy truly mean. Listeners will learn:• How mindset and conviction influence financial decisions • The realities of building wealth through property management and entrepreneurship • How to align money decisions with purpose and legacy • Practical ways to step forward in confidence and perseverance About KimEgger: Kim Egger is the visionary founder behind Treasures in Heaven Property Management. Her career didn't begin in property management—it was forged over 25 years in the world of banking, where she rose from her first role as a teller all the way to EVP of Commercial Banking, specializing in commercial and real estate lending. Along the way, Kim navigated triumphs, setbacks, and lessons that shaped her into the leader she is today. Now, her mission goes beyond managing properties—she's passionate about helping others reclaim their time, build true financial freedom, and step boldly into a life aligned with their purpose. Connect with Kim: Website: https://www.tihpropertymanagement.com Instagram: https://www.instagram.com/kim.egger.18 Facebook: https://www.facebook.com/kim.egger.18 Instagram: https://www.instagram.com/treasures.in.heaven.mgmt/ Facebook: https://www.facebook.com/treasures.in.heaven.mgmt/ LinkedIn: https://www.linkedin.com/in/kim-egger-802947b8/ About Linda Grizely: Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers and tactics (real money) with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™. Connect with Linda: Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X (Twitter): https://twitter.com/LindaGrizely Resources/Freebies: What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz Join Linda's Free Community: A space for real talk, fresh starts, and women who are done putting themselves last. https://bit.ly/RealMoneyRealLifeCommunity Useful Personal Finance Checklists and Flowcharts: www.lindagriz.com/resources  

Episode Description: In this episode of Real Money, Real Life™, Linda Grizely sits down with Jackie Postelnick to talk about rethinking college choices and helping students find their unique path. From understanding personal strengths to navigating the overwhelming world of higher education, Jackie shares how families can empower teens to make confident decisions about their future. We Talk About: • Why college is not one-size-fits-all • How to align education choices with a student's values and strengths • Steps families can take to reduce stress and increase clarity in the process • Practical ways to support teens without adding financial pressure About Jackie Postelnick: Jackie Postelnick is an educator and coach who helps students and families navigate the college decision-making process with confidence. Her work centers on empowering teens to uncover their strengths, explore options, and create a future that feels authentic to them. Connect with Jackie: Website: https://jackiepostelnick.com About Linda Grizely: Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers and tactics (real money) with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™. Connect with Linda: Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X (Twitter): https://twitter.com/LindaGrizely Linda's Resources/Freebies: What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz Join Linda's Free Community: A space for real talk, fresh starts, and women who are done putting themselves last. https://bit.ly/RealMoneyRealLifeCommunity Useful Personal Finance Checklists and Flowcharts: www.lindagriz.com/resources  

Episode Description: In this episode of Real Money, Real Life™, Linda Grizely sits down with Cameron Huddleston, journalist, author, and caregiving advocate, to talk about one of the most difficult financial conversations: talking to parents about money and aging. Cameron shares insights from her book "Mom and Dad, We Need to Talk*", where she helps families navigate sensitive topics like estate planning, long-term care, and protecting loved ones from financial exploitation. Together, Linda and Cameron explore why these conversations are so hard, practical steps to make them easier, and how to build confidence in taking on caregiving and financial responsibility. We Talk About:• Why avoiding these conversations can create bigger problems later • How to prepare for difficult discussions about money and aging • Steps to protect parents and families financially while preserving relationships   If you've ever wondered how to start these conversations—or worried it might be too late—this episode provides both clarity and courage. About Cameron Huddleston: Cameron Huddleston is the author of Mom and Dad, We Need to Talk: How to Have Essential Conversations With Your Parents About Their Finances. She also is an award-winning personal finance journalist whose work has appeared in AARP, Kiplinger Personal Finance, Forbes, Yahoo Finance and many more online and print publications. Connect with Cameron: Website: https://cameronhuddleston.com Book: https://cameronhuddleston.com/mom-and-dad-we-need-to-talk LinkedIn: https://www.linkedin.com/in/cameron-huddleston-187b633/ Instagram: https://www.instagram.com/cameronkhuddleston/ Free In Case of Emergency Organizer https://cameronhuddleston.com/resources/ About Linda Grizely: Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers and tactics (real money) with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™. Connect with Linda: Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely tiktok: TikTok: https://www.tiktok.com/@lindagrizely X (Twitter): https://twitter.com/LindaGrizely Linda's Resources/Freebies: What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz Join Linda's Free Community: A space for real talk, fresh starts, and women who are done putting themselves last. https://info.lindagriz.com/widget/form/7NpbG0FdJW2Lwp57R0wj Useful Personal Finance Checklists and Flowcharts: www.lindagriz.com/resources  

Episode Description: In this episode of Real Money, Real Life™, Linda sits down with Kim Murray to talk about grief, healing, and reclaiming your life after loss. We cover: - How grief impacts everyday life and financial decision-making - The power of journaling as a tool for clarity and healing - Why simple practices can help you move forward after loss - How financial clarity supports emotional healing About Kim Murray: Kim Murray is the author of The Widow's Journal: Questions to Guide You through Grief & Life Planning after the Loss of a Partner, and founder of Widow 411, a resource hub for widows. She combines personal experience with practical tools to help women navigate loss and begin again. Connect with Kim: Website: https://widow411.com The Widow's Journal (Amazon): https://www.amazon.com/dp/B0CLZXY5S8 About Linda Grizely: Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers and tactics (real money) with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™. Connect with Linda: Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X (Twitter): https://twitter.com/LindaGrizely Resources/Freebies: What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz Join Linda's Free Community: A space for real talk, fresh starts, and women who are done putting themselves last. https://info.lindagriz.com/widget/form/7NpbG0FdJW2Lwp57R0wj Useful Personal Finance Checklists and Flowcharts: www.lindagriz.com/resources

Episode Description: In this episode of Real Money, Real Life™, Linda talks with Mary Schepp about what really falls under property & casualty (P&C) insurance, how umbrella policies work, and why premiums have been climbing. We talk about: - P&C 101: the difference between property coverage and casualty (liability) - Umbrella insurance as excess liability and when it can protect your assets - Deductibles (all‑peril vs. wind/hail) and how percentage deductibles work - Replacement cost vs. actual cash value on roofs, matching endorsements, and common exclusions - Why rates are rising: catastrophe losses, rebuild costs, and using insurance like a maintenance plan - Why to review your home/auto policies with your agent at renewal - What "full coverage" on auto really means (liability + collision + comprehensive) About Mary Schepp: Mary Schepp is the Agency Manager at Brightway Insurance, The Janicki Agency, with over 25 years' experience in the real estate industry, customer service, and management—including time as a loan officer and as an insurance agent. She's an active community advocate through The Rotary Club of Cary‑Grove, the Cary‑Grove Area Chamber of Commerce, and Fresh From Local Farms Organization. Connect with Mary: Website: https://brightwayjanicki.com Phone: 847-807-3200 About Linda Grizely: Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers and tactics (real money) with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™. Connect with Linda: Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X (Twitter): https://twitter.com/LindaGrizely Resources/Freebies: What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz Join Linda's Free Community: A space for real talk, fresh starts, and women who are done putting themselves last. https://bit.ly/RealMoneyRealLifeCommunity Useful Personal Finance Checklists and Flowcharts: www.lindagriz.com/resources  

Episode Description:  In this episode of Real Money, Real Life™, Linda sits down with Jenn Smith, career coach and negotiation expert, to talk about the art and mindset of negotiating pay. Together they explore why so many women feel held back at the bargaining table and what it takes to shift from fear to confidence when it comes to asking for more. Find out how to ask for the salary you deserve, and actually get it. We Talk About: - The hidden beliefs that stop women from negotiating - Practical strategies for asking for a raise or promotion - How to recognize your market value and leverage it - The ripple effect of earning more on your career and life About Jenn Smith: Jenn Smith is a career coach and speaker who helps women step into their power, own their worth, and confidently negotiate pay. Through her coaching practice, she equips women with the tools and strategies to break free from under-earning and achieve the salaries they deserve. Her mission is to close the wage gap and empower women to create careers and lives they love. Connect with Jenn: Instagram: https://www.instagram.com/flourish.careers LinkedIn: https://www.linkedin.com/in/jenniferlsmith9200/ Shop The Greenhouse: https://flourish.careers/shop Web: https://flourish.careers/ About Linda Grizely: Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers and tactics (real money) with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™. Connect with Linda: Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X (Twitter): https://twitter.com/LindaGrizely Resources/Freebies from Jenn and Linda: Show Offers: 25% off Career Change Course Fried to Flourishing with code ThankYou25: https://course.flourish.careers/offers/jMHggdnW?coupon_code=THANKYOU25 Free BONUS Toolkits for listeners: https://course.flourish.careers/freebies  What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz Join Linda's Free Community: A space for real talk, fresh starts, and women who are done putting themselves last. https://bit.ly/RealMoneyRealLifeCommunity Useful Personal Finance Checklists and Flowcharts: www.lindagriz.com/resources      

Episode Description:  In this episode of Real Money, Real Life™, Linda talks with Jay Zigmont about financial planning for people who don't have kids. We explore what it means to create a legacy when children aren't in the picture, how to align your money with your values, and the unique opportunities and challenges that come with a childfree life. We Talk About: - Why traditional financial planning often assumes kids and how to rethink it - How to design a fulfilling legacy without heirs - Ways to maximize freedom and flexibility in a childfree lifestyle - Tax and estate considerations for childfree individuals and couples About Dr. Jay Zigmont: Dr. Jay Zigmont, PhD, CFP®, is the founder of Childfree Wealth®, a life and financial planning firm specializing in helping people without kids. He is also the author of "Portraits of Childfree Wealth" and host of the Childfree Wealth Podcast. Connect with Jay: Childfree Wealth®: https://childfreewealth.com Childfree Trust®: https://childfreetrust.com Childfree Wealth Podcast: https://childfreewealth.buzzsprout.com About Linda Grizely: Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers and tactics (real money) with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™. Connect with Linda: Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn: https://www.linkedin.com/in/linda-grizely YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X (Twitter): https://twitter.com/LindaGrizely Resources/Freebies: What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz Join Linda's Free Community: A space for real talk, fresh starts, and women who are done putting themselves last. https://info.lindagriz.com/widget/form/7NpbG0FdJW2Lwp57R0wj Useful Personal Finance Checklists and Flowcharts: www.lindagriz.com/resources

Episode Description:  In this episode of Real Money, Real Life™, Linda talks with Sara Hobbs about rebuilding after financial setbacks. They discuss the emotional challenges of starting over and how to move from overwhelm to empowerment. We Talk About: - The challenges of rebuilding after divorce, loss, or burnout - How compassion and accountability support financial change - Resetting money habits with confidence - The principles Sara uses to help clients find stability About Sara Hobbs: Sara Hobbs is the CEO and Founder of Forecastle Financial, a financial services firm focused on providing Personal CFO and Account Management services.  Sara is a dedicated finance professional who brings more than 24 years of financial expertise to her clients. Her goal is to equip her clients with the tools, resources, and support necessary for making informed financial decisions that resonate with their personal goals and values. Sara is an Intuit Certified Bookkeeping Professional, a member of The American Association of Daily Money Managers, a member of the Private Service Alliance, a member of the Estate Management Network and a Trustworthy Certified Expert. Connect with Sara: Website: https://www.forecastlefinancial.com LinkedIn: https://www.linkedin.com/in/sara-hobbs About Linda Grizely: Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers and tactics (real money) with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™. Connect with Linda: Website: https://www.LindaGriz.com Instagram: https://www.instagram.com/lindagrizely Facebook: https://www.facebook.com/thelindagrizely LinkedIn (Personal): https://www.linkedin.com/in/linda-grizely LinkedIn (Linda Grizely Ventures): https://www.linkedin.com/company/linda-grizely-ventures LinkedIn (Real Money Real Life Podcast): https://www.linkedin.com/company/real-money-real-life/ YouTube: https://www.youtube.com/@LindaGrizely TikTok: https://www.tiktok.com/@lindagrizely X (Twitter): https://twitter.com/LindaGrizely   Resources/Freebies: What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz Join Linda's Free Community: A space for real talk, fresh starts, and women who are done putting themselves last. https://bit.ly/RealMoneyRealLifeCommunity Useful Personal Finance Checklists and Flowcharts: www.lindagriz.com/resources