Money gets real when rent is due, tuition lingers, and your friends want that last-minute show. We brought on certified financial planner and money coach Linda Grizzly to help us cut through the noise with a plan that respects real life. Together we dig into lifestyle creep, the early power of compound interest, and a simple twist that lets you enjoy today without sabotaging tomorrow: Me Money, a guilt-free spending bucket that protects your goals. We talk about what it’s like to be 23, chasing creative work, and trying to help peers who think money talk is boring or judgmental. Linda makes it practical: capture a slice of every raise before lifestyle expands, use a high-yield savings account to build momentum, and decide fun with intention by comparing options inside a firm Me Money budget. That single change makes tradeoffs visible, so you can choose the show now and the shoes later, or flip it—without touching rent, bills, or debt payments. We also explore the sting of college costs during COVID and how to reframe school as one of many paths to opportunity. If you’re eyeing financial services, Linda breaks down why the CFP credential often matters more to employers than a master’s, what the exam really signals, and how to get started with entry-level roles and smart licensing. Then we tackle debt head-on: why paying more than the minimum shrinks timelines, how avalanche or snowball methods can fit your personality, and how weekly check-ins turn fear into progress. The through-line is mindset and community—small steps, daily consistency, and building name equity that opens doors long after the paycheck hits. Hit play to get practical, human money strategies you can use this week. If this conversation helped, subscribe, share it with a friend, and drop your money personality in the comments—are you a Saver, Spender, Avoider, Security Seeker, or Risk Taker? Let’s earn together. If you have any questions or topics you would like to here. CLICK HERE!!!!!! Subscribe To The YouTube Channel: https://www.youtube.com/channel/UCXMb7HYdPtTi8n2kiHIgcTw