Real Money, Real Life ®

Linda Grizely
  • 5.0 (2)
  • Self-Improvement
  • Updated Weekly

Real Money, Real Life® is a personal finance podcast for people — especially women — who feel behind financially and want to build real financial confidence — without shame, judgment, or overwhelm. Hosted by Linda Grizely, CFP®, financial wellness speaker and creator of the MeMoney® Method and The Human Variable™ keynote, this podcast helps you understand how to make money decisions that work in your real life — not just on paper. Her work explores the behavior, emotion, experience, and real-life circumstances that shape financial decisions. If you've ever wondered: How do I feel confident about money? Why don't I feel good about money even when I'm doing everything right? Where should I start with saving, investing, or getting back on track? You're in the right place. Each episode focuses on real-life financial decisions and the human factors that shape them, including: Money mindset and financial confidence Budgeting and spending without guilt Saving and investing in real life Life transitions and money decisions Financial planning basics made simple Overcoming fear, shame, and avoidance around money Because knowing what you "should" do was never really the problem. This podcast helps you think through your money in a way that finally makes sense — so you can feel confident, clear, and in control of your financial life. #RealMoneyRealLife #FinancialEmpowerment #MoneyMindset #WomenAndMoney #financialeducation #podcastforwomen #financialwellness Required Disclosures The content shared on this podcast is for educational, informational, and entertainment purposes only. It is not financial, tax, legal, or planning advice and does not constitute therapy or mental health counseling. Please consult an actively licensed and qualified professional for advice specific to your situation. Linda Grizely is an Investment Adviser Representative of Nectarine, an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate and unaffiliated with Nectarine. The views expressed on this show are those of the individuals expressing them and do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Nothing discussed on this podcast should be construed as personalized investment advice or a recommendation 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 related to Nectarine, please visit https://hellonectarine.com. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP® and CERTIFIED FINANCIAL PLANNER® in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks. For more important disclosures please visit https://www.lindagriz.com/disclaimers.

  1. 2d ago

    How to Manage Your Time and Money When You're Overwhelmed with Megan Sumrell | Ep 63

    How do you manage your time and money when you already feel overwhelmed? On the Real Money, Real Life® podcast, Linda Grizely and time management expert Megan Sumrell look at why the same problems can show up with both: unrealistic plans, limited resources, guilt, avoidance, and the constant feeling that you are behind. The answer is not to squeeze more into your day or force yourself into a stricter system. It is to build a realistic plan around the time and resources you actually have. Why does your to-do list keep growing even when you are constantly busy? And what would happen if you treated unexpected demands on your calendar the way you would treat unexpected expenses? Linda Grizely and Megan break down the idea of a "time emergency fund," time debt, recurring responsibilities, decision fatigue, email overload, and understanding your real weekly capacity. They also discuss why making time for yourself matters and why your worth is not measured by how productive you are. Managing time and managing money both require trade-offs. A realistic plan starts by seeing where your resources already go and making intentional choices from there. 💡 We talk about: Manage time and money around your actual capacity Create a "time emergency fund" for unexpected demands Recognize how to-do lists can create time debt Make room for yourself without tying your worth to productivity 🎤 Send Linda Your Money Question https://www.speakpipe.com/rmrl 🕒 Timestamps (00:00) Why managing time and money can feel so similar (02:05) How Megan became a time management expert (03:08) The moment Megan realized she had disappeared from her own life (05:14) Turning chaos into harmony with time and money (06:16) Why traditional planning systems often fail women (07:10) Why unrealistic schedules fail like unrealistic budgets (09:02) How to create a "time emergency fund" (10:37) How much unexpected time do you really need each week? (11:45) Setting aside time before you know how you will spend it (13:41) How to budget your calendar without making it rigid (14:41) Why a to-do list hides your true capacity (15:38) How unfinished tasks create "time debt" (16:46) How to schedule email and messages (18:30) How constant email checking consumes your time (20:34) Why weekly planning can save time instead of creating more work (22:15) How a plan can reduce decision fatigue (24:05) What self-care actually means (26:09) Finding things you enjoy just for yourself (29:27) Making time for yourself without guilt (29:55) Why a time audit works like tracking your spending (31:17) Why your worth is not tied to productivity (33:20) A simple way to start planning more realistically (34:20) The recurring tasks quietly consuming your time (35:48) How to understand your real time budget (37:29) Why time and money management are so similar (37:39) Who Megan helps with time management (38:19) Where to find Megan Sumrell (39:05) Why you cannot build a calm life on a schedule that ignores you 🔗 Connect with Megan Website: https://www.thepinkbee.com Instagram: https://www.instagram.com/megansumrell/ YouTube: https://www.youtube.com/@the_pink_bee Resources: The Pink Bee app, available in Google Play and the App Store 🔗 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

  2. 2d ago ·  Bonus

    You Might Enjoy: On Purpose with Jay Shetty

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  3. Oct 13

    When Money Walks Into Work: How Financial Stress Affects Your Career | Ep 62

    Financial stress doesn't stay at home when you go to work. It can affect your focus, confidence, career decisions, and even the opportunities you're willing to pursue. On Real Money, Real Life®, Linda Grizely, CFP®, answers a listener's question: How does our personal relationship with money affect us at work, and what can we do about it? The answer goes beyond how much money you earn. Your money history, money personality, financial responsibilities, and sense of security can influence how you respond to workplace uncertainty and make decisions about your career. Linda explains why two employees can experience the same workplace situation very differently, how financial pressure can show up in behavior, and why a bigger paycheck doesn't always resolve the underlying stress. You'll also hear practical ways to identify what's creating your financial pressure, work with your money personality, and discover employee benefits you may already have access to but aren't using. Whether you're an employee making career decisions or a leader trying to understand your people, recognizing the connection between money and work is an important place to start. 💡 We talk about: How personal financial stress affects focus, behavior, and career decisions Why your money personality influences how you handle workplace uncertainty How to recognize whether financial pressure is driving a job or salary decision Where to find financial wellness resources through your employer 🕒 Timestamps (00:00) Why financial stress follows you to work (01:42) How does your relationship with money affect your job? (03:40) The hidden signs of financial stress at work (05:48) How money history and personality shape decisions (07:32) Five money personalities facing workplace uncertainty (12:35) Why income and financial well-being are not the same (16:08) Research on employee financial stress and productivity (17:52) Why workplace behavior doesn't tell the whole story (19:28) What financial problem are you asking your career to solve? (22:31) How to identify and address financial pressure (25:26) Employee assistance programs and overlooked benefits (27:24) Why financial education doesn't always lead to action (30:00) One practical step to take with your workplace benefits (32:06) How to submit your money question 📊 Research Mentioned Morgan Stanley at Work, 2026 State of the Workplace Financial Benefits Study: https://www.morganstanley.com/atwork/articles/state-of-workplace-financial-benefits-study 🎤 Send Linda Your Money Question Have a money question you've been Googling, avoiding, or overthinking? Leave a voice message, and your question may become the topic of a future Real Money, Real Life® episode. https://www.speakpipe.com/rmrl 💰 Find Your Money Personality Discover more about your natural tendencies with money. Find the money personality quiz on Linda's website. https://www.lindagriz.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 🎤 WORKPLACE FINANCIAL WELLNESS SPEAKING Bring the conversation about financial stress, employee behavior, and workplace performance to your organization. https://www.lindagriz.com/speaking 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

  4. Oct 6

    The Great Wealth Transfer: What Women Need to Know Before the Money Comes with Halle Eavelyn | Ep 61

    How can women prepare for the Great Wealth Transfer before the money actually arrives? On the Real Money, Real Life® podcast, Linda Grizely and wealth coach Halle Eavelyn look beyond the enormous dollar figures and focus on the women who may suddenly find themselves managing assets, making financial decisions, or becoming the primary decision-maker. Preparation starts before an inheritance arrives. Understanding your finances, participating in decisions, questioning old money beliefs, and taking small actions now can make it easier to handle greater responsibility later. What if your spouse has always managed the money? What if you inherit wealth but do not feel confident enough to make decisions with it? Linda Grizely and Halle discuss financial agency, inherited money patterns, the discomfort some women feel receiving or holding wealth, and why confidence grows through participation and action. They also explore the "good girl" messages women may carry about money and the importance of becoming more comfortable with financial power. The Great Wealth Transfer is not only about receiving money. It is about being ready to understand your choices, participate in decisions, and trust yourself when greater financial responsibility arrives. 💡 We talk about: Prepare for inherited wealth before the responsibility arrives Build financial confidence by participating in money decisions now Recognize inherited beliefs that may affect how you receive and manage money Take small steps toward greater financial agency and independence 🎤 Send Linda Your Money Question https://www.speakpipe.com/rmrl 🕒 Timestamps (00:00) How women can prepare for the Great Wealth Transfer (02:01) How Halle became focused on women and wealth (04:48) Why women may be unprepared for the Great Wealth Transfer (05:23) What the Great Wealth Transfer actually means (09:22) What happens when women suddenly become financial decision-makers (10:16) Why women may change financial advisors after inheriting wealth (12:34) How greater wealth can create greater financial power (13:08) Challenging beliefs that money is bad or greedy (15:22) Why the Great Wealth Transfer matters even without a large inheritance (19:53) Practical ways women can build financial confidence now (21:12) Start with financial education, then take action (23:23) Why paying attention to money matters (28:59) "Good girl" money patterns that can hold women back (29:23) Why putting yourself first financially is not selfish (32:36) Why some women still do not feel financially safe (34:45) Why receiving wealth can feel uncomfortable (35:50) Your money comfort zone and "money ceiling" (38:32) Using curiosity to move beyond financial fear (39:31) Believing a bigger financial future is possible (40:52) Outside voices and the voices inside your head (42:03) A simple way to respond to limiting thoughts (44:15) Why old financial messages may no longer fit your life (45:34) Preparing for financial responsibility before it arrives (45:48) Where to find Halle Eavelyn 🔗 Connect with Halle Website: https://halleeavelyn.com LinkedIn: https://www.linkedin.com/in/eavelyn/ Facebook: https://www.facebook.com/eavelyn/ Instagram: https://www.instagram.com/halle.eavelyn/ YouTube: https://youtube.com/@halleeavelyn Resources: https://hallemoney.com Additional Resources: https://hallewealth.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

  5. Sep 29

    How Your Personal Brand Affects Your Income and Career Opportunities with Brooke Foley | Ep 60

    How does your personal brand affect your income and career opportunities? On the Real Money, Real Life® podcast, Linda Grizely and brand strategist Brooke Foley break down how the reputation you build over time can influence negotiating leverage, pricing, promotions, and the financial opportunities available to you. Your personal brand is not just how you look online. It is the evidence people use to decide what you are good at, what they can count on you for, and what your value may be. How do you know what you are actually worth? What if other people see more value in you than you see in yourself? Linda Grizely and Brooke walk through hard power, soft power, credibility, proof points, imposter syndrome, and the role your personal brand plays in how confidently you advocate for yourself. Brooke also explains why knowing your worth is easier when it is grounded in evidence, not just confidence. Your personal brand is being built whether you manage it intentionally or not. The clearer you are about your value, your promise, and the proof behind it, the more leverage you may have when opportunities arise. 💡 We talk about: Understand how your personal brand can affect your earning power Build proof of your value before a negotiation or promotion Separate hard power from soft power in your professional reputation Use evidence to quiet imposter syndrome and advocate for your worth 🎤 Send Linda Your Money Question https://www.speakpipe.com/rmrl 🕒 Timestamps (00:00) How your personal brand can affect your income (02:04) Why evidence matters in personal brand strategy (03:29) How brand strategy connects to financial outcomes (05:45) What proves the value of your personal brand (06:44) Hard power vs. soft power at work (09:17) How personal brand connects to financial leverage (09:23) How your professional reputation compounds over time (12:00) Can one major career moment change your brand? (13:29) The 10 assets of a personal brand (14:29) Start with your financial goal (14:47) Why the real decision-maker may not be who you think (16:21) How personal brand creates negotiating leverage (18:23) What "know your worth" actually means (19:42) Why pricing problems can look like awareness problems (21:21) Knowing your worth when you cannot see yourself clearly (22:01) Questions to ask others about your professional value (22:48) The difference between worth and what someone will pay (24:10) How imposter syndrome affects financial self-advocacy (24:53) Using evidence to quiet imposter syndrome (26:02) How a founder's personal brand shapes the business (28:35) Where to start building your personal brand intentionally (30:04) Who Brooke Foley works with (31:13) Why personal brand is a professional asset 🔗 Connect with Brooke Website: https://www.jayneagency.com LinkedIn: https://www.linkedin.com/company/jayne-agency/ Resources: https://devilsadvocatebyjayneagency.substack.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

  6. Sep 22

    Medicare Explained: What to Know at 65 and During Open Enrollment with Marcia Mantell | Ep 59

    What do you need to know about Medicare at 65, and what decisions actually matter once you are enrolled? On the Real Money, Real Life® podcast, Linda Grizely and Medicare and retirement expert Marcia Mantell break down the rules, costs, enrollment decisions, and annual reviews that can make Medicare feel so overwhelming. The first thing to know is that turning 65 does not automatically mean everyone needs to make the same Medicare decision. Your age, employment, health coverage, Social Security status, income, location, and the type of Medicare coverage you choose can all matter. What is the difference between Parts A, B, C, D and Medigap? Do you have to enroll at 65 if you are still working? And what should you review during Medicare open enrollment? Linda Grizely and Marcia walk through Medicare Advantage versus Medigap, enrollment penalties, Part B costs, IRMAA, prescription drug coverage, and why Part C and Part D plans need another look each year. They also discuss healthcare expenses Medicare may not cover, including dental, vision, and other out-of-pocket costs. Medicare is complicated, but you do not have to understand every rule at once. Knowing which rules apply to your situation, which deadlines matter, and what needs to be reviewed each year can help you make a more informed decision. 💡 We talk about: • Understand what Medicare Parts A, B, C and D actually cover • Know whether you really need to enroll in Medicare at age 65 • Compare Medicare Advantage and Medigap before choosing your coverage • Review Medicare costs, IRMAA and prescription coverage each year 🎤 Send Linda Your Money Question https://www.speakpipe.com/rmrl 🕒 Timestamps (00:00) What you need to know about Medicare at age 65 (01:46) Why Medicare and Social Security rules get so complicated (04:01) Medicare Parts A, B, C and D explained (06:02) Medicare Advantage versus Original Medicare and Medigap (08:41) What to consider before choosing Medicare Advantage (11:26) Why Medicare Advantage plans need to be reviewed every year (14:09) Medicare Advantage costs you may not hear about (15:16) Why Medicare options depend on your state, county and ZIP code (19:02) How much Medicare Parts A and B can cost (21:15) Understanding the Medicare Part B premium (22:53) How higher income can increase Medicare premiums (24:28) Do you have to sign up for Medicare at age 65? (28:11) Why employer size matters for Medicare enrollment (30:14) What happens if you miss Medicare enrollment (34:42) What to review during Medicare open enrollment (38:32) Do you need to re-shop your Medicare coverage every year? (38:58) Why Medigap works differently from Medicare Advantage (42:01) How IRMAA can increase Medicare Part B and Part D costs (44:34) The two-year income lookback for Medicare IRMAA (44:58) When you can appeal an IRMAA increase (47:12) How Medicare premium changes show up in Social Security (50:30) Dental and vision costs Medicare may not cover (54:35) Building a realistic healthcare budget for retirement (56:18) Medicare planning resources from Marcia Mantell (57:05) Who Marcia helps with Medicare and retirement decisions (58:03) What to remember when making Medicare decisions 🔗 Connect with Marcia Website: https://mantellretirementconsulting.com/ Blog: https://boomerretirementbriefs.com/ LinkedIn: https://www.linkedin.com/in/marciamantell/ Facebook: https://www.facebook.com/boomerretirementbriefs2022 Resources: https://boomerretirementbriefs.com/ Marcia shares Medicare and Social Security articles and resources on the blog, including a Medicare healthcare cost worksheet discussed during the conversation. 🔗 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 Medicare Resources: https://drive.google.com/drive/folders/1SAZCgao4dKsLrIdKrxfZeCGI8bEMJbN_?usp=sharing 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

  7. Sep 15

    How to Buy a Car Without Overpaying: Inside the Dealership with Mark Benson | Ep 58

    Buying a car without overpaying takes more than negotiating the sticker price. On the Real Money, Real Life® podcast, Linda Grizely and former dealership owner Mark Benson show you where the numbers can move and what to look at before you sign. The key is to stop negotiating around the monthly payment alone. Slow the process down and look separately at the vehicle price, trade-in, financing, interest rate, loan term, rebates, warranties, add-ons, and total cost. How do you know whether the dealer's financing is actually a good deal? What should you look for when you finally get into the finance office and they are ready to move you through the paperwork? Mark spent years owning new car dealerships, and he takes Linda Grizely behind the dealership curtain to explain trade-ins, financing markups, extended warranties, GAP coverage, rebates, refinancing, cash purchases, and the pressure consumers can feel to make a decision quickly. Real Money, Real Life® is about making financial decisions with more clarity, not trying to make a perfect decision. When you understand how a car transaction is structured, you can ask better questions, slow things down, and decide what actually works for you. 💡 We talk about: • How to negotiate a car without focusing only on the monthly payment • What to check before letting a dealership finance your car • How trade-ins, warranties, rebates, and add-ons affect what you pay • What to review before signing your auto finance contract 🎤 Send Linda Your Money Question https://www.speakpipe.com/rmrl 🕒 Timestamps (00:00) Why buying a car can be financially confusing (02:22) Mark Benson's background owning 14 car dealerships (05:33) How dealerships structure a car transaction for profit (08:24) Check your credit before shopping for a car (10:42) Know what your trade-in is worth before negotiating (12:23) Hard credit pulls and dealership pressure (14:40) What happens in the finance and insurance department (17:06) Extended warranties, GAP coverage, and dealership add-ons (19:20) What to review before signing a car finance contract (24:03) What F&I means and what happens in the finance office (25:06) What to look for on your auto finance documents (30:22) Should you get pre-approved for a car loan? (32:56) Is paying cash for a car actually better? (34:48) When 0% financing may not be the best deal (36:22) How car rebates work and what buyers should check (40:11) Why someone might refinance after buying a car (42:22) Financing a car and then paying it off (44:28) Psychological pressure during the car-buying process (46:32) How Honest Car Payment helps consumers (48:28) Finding refunds for unused car products and contracts (49:54) Where to find Mark Benson 🔗 Connect with Mark Honest Car Payment: https://honestcarpayment.com/ CarRefunds.com: https://carrefunds.com/ X: https://x.com/car_refunds LinkedIn: https://www.linkedin.com/company/honest-car-payment/?viewAsMember=true YouTube: https://www.youtube.com/@honestcarpayment/videos TikTok: https://www.tiktok.com/@honest.car.payment Facebook: https://www.facebook.com/HonestCarPayment/ Instagram: https://www.instagram.com/officialhonestcarpayment Google Reviews: https://g.page/r/CTxfgf6Ydlb0EAE/review Resources: https://honestcarpayment.com/ offers a free credit review. https://carrefunds.com/ offers a free finance contract review for refundable items. 🔗 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

  8. Sep 8

    What Should I Do With My Old 401(k)?: It's Not as Simple as You Think | Ep 57

    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

    What Should I Do With My Old 401(k)?: It's Not as Simple as You Think | Ep 57
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Real Money, Real Life® is a personal finance podcast for people — especially women — who feel behind financially and want to build real financial confidence — without shame, judgment, or overwhelm. Hosted by Linda Grizely, CFP®, financial wellness speaker and creator of the MeMoney® Method and The Human Variable™ keynote, this podcast helps you understand how to make money decisions that work in your real life — not just on paper. Her work explores the behavior, emotion, experience, and real-life circumstances that shape financial decisions. If you've ever wondered: How do I feel confident about money? Why don't I feel good about money even when I'm doing everything right? Where should I start with saving, investing, or getting back on track? You're in the right place. Each episode focuses on real-life financial decisions and the human factors that shape them, including: Money mindset and financial confidence Budgeting and spending without guilt Saving and investing in real life Life transitions and money decisions Financial planning basics made simple Overcoming fear, shame, and avoidance around money Because knowing what you "should" do was never really the problem. This podcast helps you think through your money in a way that finally makes sense — so you can feel confident, clear, and in control of your financial life. #RealMoneyRealLife #FinancialEmpowerment #MoneyMindset #WomenAndMoney #financialeducation #podcastforwomen #financialwellness Required Disclosures The content shared on this podcast is for educational, informational, and entertainment purposes only. It is not financial, tax, legal, or planning advice and does not constitute therapy or mental health counseling. Please consult an actively licensed and qualified professional for advice specific to your situation. Linda Grizely is an Investment Adviser Representative of Nectarine, an SEC-registered investment adviser. Linda Grizely Ventures, LLC is separate and unaffiliated with Nectarine. The views expressed on this show are those of the individuals expressing them and do not necessarily reflect the views of Linda Grizely, Linda Grizely Ventures, LLC, or Nectarine. Nothing discussed on this podcast should be construed as personalized investment advice or a recommendation 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 related to Nectarine, please visit https://hellonectarine.com. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP® and CERTIFIED FINANCIAL PLANNER® in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks. For more important disclosures please visit https://www.lindagriz.com/disclaimers.

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