The Financially Fit Couple

Matthew Gray, CFP®

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Hey there, and welcome to the Financially Fit Couple! This podcast is all about answering the questions busy, married couples find themselves asking about their finances. I’m Matthew Gray, your host and a Certified Financial Planner. Join me as I interview topic experts and other couples just like you to find out how to pursue your goals and live financially healthy lives. Let’s get started!

MAR 2

S2 E6: How to Make Good Financial Decisions with Jeff Hulett

Host Matthew Gray, welcomes personal finance professor and behavioral economist Jeff Hulett to discuss why people struggle to make good financial decisions even when they know what they should do. Jeff contrasts objective business decision-making with common consumer behavior and explains three drivers of poor decisions: human neurobiology, short-term thinking, and an American “buy now, pay later” commercial culture. He describes “choice architecture” as a structured, repeatable decision process supported by technology that helps people define and weight their personal criteria, consider alternatives, reduce confirmation bias, and improve confidence—especially for major decisions like buying a house, including helping couples reconcile preferences. Jeff introduces his “Five Nots” (the “not to seek” framework) to build the mindset needed to live below one’s means: not luxury, not ignorance (failure to update beliefs), not vanity, not immediate gratification, and not risk avoidance. Jeff shows how misinformation and unexamined beliefs can lead to harmful outcomes. The episode closes with resources including Jeff's book “Making Choices, Making Money,” access to decision-making software (Definitive), and guidance on using generative AI as a thinking partner rather than a crutch. 00:37 Today’s Topic: Why Money Decisions Feel So Hard 02:03 Meet Jeff: Behavioral Economist + Banker Perspective 05:13 The $16 Million Retirement Path (and Why Most Miss It) 08:38 Why Bad Money Decisions Happen: Brain, Culture, and the Information Age 14:49 What Is Choice Architecture? A Repeatable Decision-Making System 19:57 Values vs Feelings: Using Structure to Beat Confirmation Bias 22:29 Couples Example: Reconciling Priorities When Buying a Home 26:33 The “Five Nots” Framework: A Mindset for Living Below Your Means 30:21 Not Seeking More: Diminishing Returns on Luxuries (Morgan Housel Tie-In) 31:11 Money, Income & Happiness: The Curve That Flattens Out 33:52 The 5 “Not-Seeking” Rules (Football Field Boundaries) 35:30 Not Luxury: Beating FOMO (The $17,000 Bike ‘Faux Pro’ Trap) 41:52 Opportunity Cost Reality Check: What That Upgrade Really Costs 43:55 Not Ignorance: Updating Beliefs, Habits & Confirmation Bias 51:39 From Framework to Life Decisions: The “Good Decision Road” 55:34 Tools to Apply It: Book, Choice Architecture Software & GenAI 59:10 Parenting & Quiet Wealth + Wrap-Up, Disclosures Resources Jeff Hulett https://www.linkedin.com/in/jeffhulett/ https://www.financerevamp.com/ Making Choices, Making Money Book The Art of Spending Book Matthew Gray https://www.linkedin.com/in/matthew-gray-cfp%C2%AE-5a2144134/ https://schrockfin.com/ Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC

1h 2m
FEB 16

S2 E5: Aligning Investments with Your Values featuring Jordan Tucker

In this episode of the Financially Fit Couple, host Matthew Gray, a certified financial planner, is joined by Jordan Tucker from Impax Asset Management to discuss ethically screened investing. The conversation covers the history, principles, and current practices of sustainable investing, emphasizing how investors can align their investments with their values without sacrificing performance. Jordan explains the rigorous screening process used by Impax, the importance of ongoing due diligence, and how they engage with companies to drive positive change. The episode also addresses common misconceptions about sustainable investing and provides actionable steps for those interested in incorporating ethically screened investments into their portfolios. 00:00 Welcome to the Financially Fit Couple 00:38 Introduction to Ethically Screened Investing 01:42 Guest Introduction: Jordan Tucker 01:55 The Evolution of Ethically Screened Investing 04:14 Impax Asset Management's Approach 06:45 Screening Process and Criteria 25:14 Engagement and Advocacy Efforts 32:32 Addressing Misconceptions 39:01 Getting Started with Ethically Screened Investing 40:44 Final Thoughts and Disclosures Jordan Tucker https://www.linkedin.com/in/jordan-tucker-cfp%C2%AE-29016371/ Jordan Tucker and Impax Asset Management are not affiliated with or endorsed by LPL Financial. Matthew Gray https://www.linkedin.com/in/matthew-gray-cfp%C2%AE-5a2144134/ https://schrockfin.com/ Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC

45 min
FEB 2

S2 E4: Financial Coaching vs Planning with Lindsey Scott

In this episode of the Financially Fit Couple podcast, host and certified financial planner Matthew Gray welcomes financial coach Lindsey Scott to discuss the practical and emotional aspects of financial coaching and planning. The conversation explores their different yet complementary roles, with Lindsey emphasizing the importance of understanding personal finance basics and building good habits, while Matthew discusses the more technical side of financial planning. They dive into the process of working with clients, defining success, and finding the right financial support. Key topics include budgeting, debt management, building wealth, and the significance of communication and readiness in financial coaching. 00:00 Welcome to the Financially Fit Couple 00:38 Introducing Lindsey Scott: Financial Coach 01:54 Lindsey's Journey to Financial Coaching 04:02 The Impact of Financial Coaching 05:49 Understanding Financial Coaching 12:17 The Coaching Process 15:24 Who Benefits from Financial Coaching? 19:42 Financial Coaching vs. Financial Planning 24:02 Finding the Right Financial Coach 28:18 Costs and Getting Started 34:41 Final Thoughts Resources Lindsey Scott https://www.lindseyscottfinancialcoach.com/ Matthew Gray https://www.linkedin.com/in/matthew-gray-cfp%C2%AE-5a2144134/ https://schrockfin.com/ Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC

36 min
JAN 19

S2 E3: Embracing Career Changes with The Stevens

In this episode of the Financially Fit Couple podcast, host Matthew Gray interviews John and Alexis Stevens, a married couple from Harrisonburg, Virginia, who share their unique career journeys and the financial implications of making significant career changes. John recounts his transition from a high school math teacher to a meteorologist and then to an IT trainer, while Alexis discusses her stable career as a university professor. They explore the challenges and rewards of pursuing one's dream job, the importance of family values in career decisions, and the financial strategies that helped them navigate these changes. The episode offers valuable insights for couples considering career changes and emphasizes the importance of aligning career choices with personal values and family well-being. 00:00 Welcome to the Financially Fit Couple 00:42 Meet John and Alexis Stevens 02:29 Childhood Dreams and Career Paths 08:06 The Journey to Becoming a University Professor 10:40 John's Teaching Career and Challenges 14:07 Pursuing a Dream in Meteorology 19:45 The Big Career Change 27:54 Financial Implications of the Career Move 29:42 Starting a New Career: The First Year Experience 32:41 Adjusting to a New Lifestyle 35:07 The Toll on Family and Health 36:54 Realizing the Need for Change 44:15 Searching for a New Path 46:00 Finding the Perfect Fit 49:02 Reflecting on the Journey 56:32 Final Thoughts and Advice Matthew Gray https://www.linkedin.com/in/matthew-gray-cfp%C2%AE-5a2144134/ https://schrockfin.com/ Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC

1 hr
JAN 5

S2 E2: Navigating Student Loans with Mackenzie Ellis

In this episode of the Financially Fit Couple podcast, host Matthew Gray, a certified financial planner, speaks with Mackensie Ellis from Grad Fin about financing education through student loans. The discussion covers key points such as the difference between federal and private student loans, the application process, and various repayment and forgiveness options. The episode also delves into upcoming changes to student loan programs, refinancing strategies, and how Grad Fin provides free consultation services to help borrowers navigate these complex topics. The conversation aims to empower listeners with the knowledge needed to make informed decisions about managing student loans. 00:00 Welcome to the Financially Fit Couple 00:38 Introducing Mackensie Ellis and the Topic of Student Loans 01:28 Mackensie's Journey into the Student Loan Space 04:27 Understanding Federal vs. Private Student Loans 08:23 Navigating the FAFSA and Loan Options 16:20 Grad Fin's Role in Student Loan Consultation 19:00 Exploring Student Loan Forgiveness Options 28:04 Understanding Recertification Dates 29:29 Repayment Options Overview 31:02 Income-Driven Repayment Plans 40:07 Changes in Repayment Plans 46:02 Refinancing Private Loans 51:19 Grad FIN's Free Consultation Process 53:40 Conclusion and Disclosures Resources: https://gradfin.com/ studentaid.gov Understanding the One Big Beautiful Bill Act (OBBBA): What You Need to Know | Laurel Road One Big Beautiful Bill FAQs - Gradfin - Achieve your financial goals Public Service Loan Forgiveness | Federal Student Aid Income-Driven Repayment Plans | Federal Student Aid Matthew Gray https://www.linkedin.com/in/matthew-gray-cfp%C2%AE-5a2144134/ https://schrockfin.com/ Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC

55 min
12/22/2025

S2 E1: What You Need to Know For Home & Auto Insurance

In this episode of the Financially Fit Couple podcast, host Matthew Gray welcomes Teri Janes from LD&B Insurance to discuss essential insurance policies for married couples. They delve into the intricacies of home and auto insurance, including dwelling coverage, personal property, liability, comprehensive, and collision coverages. Teri explains various endorsements like guaranteed replacement cost, water coverage, and the importance of reviewing policies during life events. The conversation also explores umbrella insurance, detailing its benefits and real-life scenarios where it becomes crucial. Listeners will gain valuable insights into making informed decisions about their insurance needs. 00:38 Introduction to Home and Auto Insurance 02:18 Understanding Home Insurance Basics 05:34 Diving Deeper into Home Insurance 16:41 Exploring Auto Insurance Essentials 24:58 The Importance of Umbrella Insurance 30:24 When to Review Your Insurance Policies 32:25 Choosing the Right Insurance Agent 35:56 Final Thoughts and Contact Information Resources Teri Janes tjanes@ldbinsurance.com 540-214-2540 https://www.linkedin.com/in/teri-janes-31313b87/ LPL Financial and LD&B Financial are separate entities. Matthew Gray https://www.linkedin.com/in/matthew-gray-cfp%C2%AE-5a2144134/ https://schrockfin.com/ Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC

38 min
11/03/2025

Episode #11 - Fitness & Finance Parallels with Raymond Brown

In this episode of the Financially Fit Couple, Matthew Gray welcomes Raymond Brown to discuss the importance of consistency and community in achieving fitness and financial goals. Raymond shares his personal journey growing up in an unhealthy environment and how he turned to sports and fitness as a vital outlet. Now, as a dedicated husband and father, Raymond emphasizes integrating movement into daily life and making fitness a core family value. He discusses the impact of routine and habits, especially in challenging times like the pandemic, and how community support plays a crucial role in staying motivated. Raymond also draws parallels between fitness and financial health, highlighting the importance of taking small steps and seeking help from others to achieve long-term success. The episode concludes with actionable advice for listeners to incorporate fitness and financial well-being into their lives. 02:34 Guest Introduction and Fitness Journey 03:33 The Importance of Movement and Fitness 06:33 Fitness Regimen 07:31 Family and Fitness During the Pandemic 10:22 The Power of Community and Consistency 17:43 Mindset and Overcoming Barriers 35:01 Incorporating Fitness into Daily Life 41:05 Final Thoughts and Takeaways Raymond Brown https://www.linkedin.com/in/raymondabrown/ Matthew Gray https://www.linkedin.com/in/matthew-gray-cfp%C2%AE-5a2144134/ https://schrockfin.com/ Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC

45 min
10/15/2025

Episode #10 - Beyond the Transaction with Josiah Rider

In this episode of the Financially Fit Couple, host Matthew Gray is joined by Josiah Rider from Atlantic Union Bank. They discuss the value of building a strong relationship with your banker, especially for busy married couples managing their finances. Key topics include the significance of having a personal banker, the advantages of home equity lines of credit, how major life events should prompt financial discussions, and the importance of creating a strategic plan for financial stability. The episode underscores that proactive communication with a banker can help couples navigate financial decisions, manage debt, and prepare for unexpected changes, ultimately contributing to a financially healthier marriage. 00:38 Meet Our Guest: Josiah Rider 03:36 The Importance of a Personal Banker 05:58 Building a Strong Financial Relationship 17:10 Understanding Home Equity Lines of Credit 24:56 Proactive Financial Planning for Life Events 27:47 Enhancing Spousal Communication Through Banking 37:41 How to Find and Work with a Personal Banker Josiah Rider https://www.linkedin.com/in/josiah-rider-583198a4/ Josiah.Rider@atlanticunionbank.com Matthew Gray https://www.linkedin.com/in/matthew-gray-cfp%C2%AE-5a2144134/ https://schrockfin.com/ Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC

42 min

Hey there, and welcome to the Financially Fit Couple! This podcast is all about answering the questions busy, married couples find themselves asking about their finances. I’m Matthew Gray, your host and a Certified Financial Planner. Join me as I interview topic experts and other couples just like you to find out how to pursue your goals and live financially healthy lives. Let’s get started!

Creator

Matthew Gray, CFP®
Years Active

2025 - 2026
Episodes

17
Rating

Clean
Copyright

© 2026 The Financially Fit Couple
Show Website

The Financially Fit Couple