Graceful Investor

Tasia Bade
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Graceful Investor is the go-to show for women ready to take control of their financial future, build real wealth, and feel confident with money. Hosted by Tasia, every episode breaks down investing concepts in plain English, tackles the money mindset blocks that hold women back, and gives you the practical tools to start building wealth on your own terms. Whether you're paying down debt, learning to invest for the first time, or scaling a portfolio that funds the life you actually want, this is the conversation you've been waiting for. Stop sitting on the sidelines. Your financial future is waiting. Hit subscribe, drop a comment with the first debt you're tackling, and let's build it together. DISCLAIMER The content shared on this podcast is for educational and informational purposes only and should not be considered financial, legal, or investment advice. The host is not a licensed financial advisor. All investments carry risk, including the potential loss of principal. Please consult a qualified financial professional before making any investment decisions.

  1. Oct 22

    The Divorce Assets Most Women Are Never Told About (A Former Wall Street Banker Explains)

    Getting divorced? Before you agree to any settlement, learn what your tax return reveals and which assets are easy to miss. Tasia sits down with Mina Takayanagi, a former Wall Street investment banker, to walk through the paperwork that shows what your household actually owns. WHAT YOU'LL LEARN How to build a simple personal balance sheet: assets minus liabilities equals net worthWhat the interest, dividends and K-1 lines on a joint tax return can tell you about accounts you may not know aboutHow bonus vesting schedules work, and what happens to unvested money when someone leaves a jobWhy carried interest and future fund points can matter in a divorce, even when they look worth nothing todayHow to build your real budget before negotiating, and why the first offer is a starting point Mina Takayanagi spent about 15 years as a Wall Street investment banker. She was married for 23 years, much of it in Hong Kong as a trailing spouse while her husband ran Asia for a private equity firm, and she was blindsided when he asked for a divorce. She came out of it determined to help other women understand their money, and she starts with something simple: women already know math. If you can calculate a sale, you can build a balance sheet. Tasia and Mina walk through the joint tax return as a map. Wages and salaries are only one line. Interest and dividends point to investment accounts. K-1 forms can reveal private investments, from a fund to a friend's restaurant. For spouses who work in finance, Mina explains the three income streams to understand: salary, bonuses that often vest over several years, and carried interest, which she calls the growth engine of wealth creation. She shares how her own divorce lawyer, and a friend's, missed how unvested points work, and why that can change a settlement. They also cover building a real budget, why alimony may not last as long as many women expect, why new debt during a separation is a negotiation point, why credit in your own name matters, and why your signature is leverage. Divorce laws vary by state and country; Mina's message is to know your own and ask every question. TIMESTAMPS 0:00 From Wall Street to Blindsided 12:50 Build Your Personal Balance Sheet 16:42 What Your Tax Return Reveals 24:05 Bonuses, Vesting and Carried Interest 28:02 What Many Divorce Lawyers Miss 31:26 Cash Flow, Alimony and First Offers 38:16 New Debt, Credit and Unpaid Bills 42:35 Your Signature Is Your Leverage SUBSCRIBE to the Graceful Investor newsletter: https://gracefulinvestor.com/ Join the free monthly book club: https://gracefulinvestor.com/book-club Watch next, what a divorce financial analyst wants women to know (EP032): https://youtu.be/NZRRQ2eoIhg Connect with Mina Takayanagi: https://www.linkedin.com/in/mina-takayanagi-8aba9685/ DISCLAIMER The content shared on this channel is for educational and entertainment purposes only and should not be considered financial, legal, or investment advice. Always consult with a qualified financial professional before making investment decisions. The host is not a licensed financial advisor. All investments carry risk, including the potential loss of principal. #GracefulInvestor #DivorceAndMoney #WomenInvesting #WealthBuilding

  2. Oct 8

    Divorce: What a Financial Advisor Wishes Every Woman Knew

    Getting divorced? Before you sign anything, hear what a Certified Divorce Financial Analyst wants every woman to know. Tasia talks with Nicole McGough, CDFA, about the assets that surface in discovery, how pensions are valued, why an authorized-user card may not be yours to rely on, and why equal-looking accounts are not always equal. Subscribe to the Graceful Investor newsletter and join the free monthly book club here: https://gracefulinvestor.com/. For educational purposes only. Not financial advice. Consult a qualified professional before making investment decisions.

  3. Oct 1

    How a Recovering Shopaholic Uses Her Color Palette to Stop Impulse Buys

    Just had a color analysis? Before you replace your closet, learn how your palette can help you spend less, shop with intention, and wear what you own. Tasia sits down with House of Color consultant Angie Scott to break down her own color consultation and what it changed about how she shops. WHAT YOU'LL LEARN How a personal color analysis works, from undertones to your seasonWhy you don't need a full wardrobe overhaul after you find your colorsThe two-to-three-week rule for working with the closet you already haveHow one well-chosen layer can extend the life of pieces you already ownHow your palette cuts wasted spending on clothes and makeup A personal color analysis tells you whether you have warm or cool undertones and which of the four seasons flatters you most. For Tasia, the answer was a bright winter palette, and it explained years of shopping habits, including why she never buys gold jewelry. The bigger question is what happens next. Many women walk out of a color consultation convinced nothing in their closet works. As a self-described recovering shopaholic, Tasia knows that moment can turn into thousands of dollars in impulse purchases. Angie's answer to "do I need to rehab my whole wardrobe?" is always no. She explains why a full overhaul fills a closet instead of curating it, and walks through the approach she gives every client: sort your closet with your color fan, wear what you have for two to three weeks, and add a piece in your palette underneath a favorite you already own. They also cover capsule wardrobes built in your colors instead of only neutrals, why a trend is not always your trend, how knowing your palette cuts wasted makeup spending, and when color analysis makes sense for teens. Tasia shares how carrying her fabric fan has already stopped purchases she would have made, and what her 2025 sweater challenge revealed about the pieces she never reached for. If you want your clothing budget to work harder and your closet to feel like you, this conversation is a practical place to start. TIMESTAMPS 0:00 Meet Angie Scott of House of Color 1:44 Inside a Color Consultation 3:03 Warm vs. Cool: Finding Your Season 8:08 The Closet Meltdown After Your Palette 10:25 The Two-to-Three-Week Closet Rule 15:59 Why a Trend Isn't Always Your Trend 18:17 Makeup Money You Can Stop Wasting 21:16 My Sweater Challenge, Explained SUBSCRIBE to the Graceful Investor newsletter: https://gracefulinvestor.com/ Join the free monthly book club: https://gracefulinvestor.com/book-club ABOUT GRACEFUL INVESTOR Learn more about House of Color and Angie Scott: https://www.houseofcolour.com/stylists/angie-scott-carmel-indiana DISCLAIMER The content shared on this channel is for educational and entertainment purposes only and should not be considered financial, legal, or investment advice. Always consult with a qualified financial professional before making investment decisions. The host is not a licensed financial advisor. All investments carry risk, including the potential loss of principal. #GracefulInvestor #ColorAnalysis #MindfulSpending #WealthBuilding

  4. Sep 23

    The Paycheck Benefit Most Women Never Use | Angie Scott

    💟 Visit Graceful Investor and join the community here: https://gracefulinvestor.com/ Tasia and Angie Scott break down the paycheck decisions most workplaces never explain, so you can put your own money to work with confidence. What You'll LearnWhy an auto-enrolled retirement account can sit in cash for years without you knowingHow to legally combine a 401(k), a Health Savings Account, and a Roth IRA for triple tax advantagesThe HSA reimbursement strategy that lets old receipts convert into a tax-free withdrawal laterThe real difference between a tax credit, a tax deduction, and a tax refundWhat to ask before your next financial advisor meeting Tasia sits down with Angie Scott, who spent 25 years in human resources and senior leadership, to walk through the paycheck decisions most women are never taught. They start with the most common blind spot: money automatically deducted for retirement that never actually gets invested, just sitting in cash. From there, Angie and Tasia work through how to legally combine tax-advantaged accounts (a 401(k) match, a Health Savings Account, and a Roth IRA can all work together), the lesser-known HSA strategy that lets years of saved receipts convert into a tax-free withdrawal later in life, and how 529 college savings plans and state tax credits actually work (a credit is not a check in the mail). They close with the exact questions every woman should bring into a financial advisor meeting, and why the right advisor answers them without hesitation. Figures discussed are illustrative examples, not guarantees, and account limits and rules change by year and by state, so always confirm current numbers with your plan provider or a licensed professional. This conversation is for anyone earning a paycheck, running a side hustle, or building a retirement plan on their own, especially if no one ever sat you down and explained how these accounts actually work together. Timestamps0:00 - Welcome + meet Angie Scott 8:22 - Step one: the employer resources you don't know exist 13:46 - How 401(k) matching actually works 17:03 - The mistake: auto-enrolled and never invested 19:25 - Health Savings Accounts explained 22:15 - The HSA reimbursement strategy 24:12 - Roth IRA rules and income limits 32:15 - 529 plans and state tax credits 37:00 - Retirement options for the self-employed 39:04 - What to ask your financial advisor 34:36 - Tax credit vs. tax refund: the mistake most women make DisclaimerThe content shared on this channel is for educational and entertainment purposes only and should not be considered financial, legal, or investment advice. Always consult with a qualified financial professional before making investment decisions. The host is not a licensed financial advisor. All investments carry risk, including the potential loss of principal. About Graceful InvestorGraceful Investor website: https://gracefulinvestor.com/ Find Tasia on IG: https://www.instagram.com/gracefulinvestor/ #GracefulInvestor #WomenInvesting #FinancialLiteracy #WealthBuilding

  5. Sep 16

    What a Global Savings-Group Director Knows About Money Most Americans Don't | Lesly Jules

    Visit Graceful Investor and Join the Community here: https://gracefulinvestor.com/ Watch Next 💟 How Smart Women Turn Their Wardrobe Into Wealth: https://youtu.be/hXYC6YTO1eI Lesly Jules of HOPE International explains why her savings groups skip money talk for the first four months. Subscribe for more conversations on building real financial security, on your own terms. Lesly Jules is a regional director with HOPE International, a global nonprofit that runs savings groups and microfinance programs in dozens of countries. Tasia talks with Lesly about how these women-led savings groups meet in groups of fifteen to twenty-five, save toward twelve-month goals alongside a shared emergency fund, and deliberately avoid discussing money at all for the first four months. That waiting period exists to build trust before capital, and Lesly explains why skipping it is why so many peer-lending and savings programs fail. The conversation turns to debt, and Lesly notes that most savings-group members, without ever hearing of Dave Ramsey or his Financial Peace University course, live by his core rule: if you can't buy something in cash, you can't afford it. Tasia adds the line that frames the segment — the borrower is slave to the lender — and Lesly contrasts a 24% commercial-bank loan rate with rates as high as 45% at some microfinance institutions, explaining why HOPE International structures its own lending differently, with loan officers who prioritize a client's success over collecting at any cost. Tasia connects Lesly's savings-group model to a pattern she sees in American women: physicians carrying $200,000 to $300,000 in medical-school debt, a high-paying job that still takes 10 years to pay it off, and a burden that savings-group members starting from zero never carry. Lesly's own teaching tool — asking a room of women how much a dollar-a-day habit adds up to over 18 years — reflects the same discipline HOPE International has scaled to thousands of savings groups and millions of members over 30 years, funded through loans that get relent four to five times before the capital moves on to someone else. Lesly and Tasia also talk about social capital, financial stewardship, and why isolation, not income, is often the bigger obstacle to a woman's financial confidence, whether she lives in Durham, North Carolina, or a savings group in Haiti. It's a conversation about accountability, dreaming past a five-year horizon, and what it looks like to build financial security without waiting for someone else to hand you permission. TIMESTAMPS0:00 - Lesly Jules Joins Graceful Investor 1:35 - From Haiti to HOPE International 6:14 - Inside a HOPE Savings Group 8:18 - Why Savings Groups Skip Money Talk 11:40 - The $1-a-Day Savings Challenge 20:46 - The Real Cost of American Debt 22:35 - Dave Ramsey's Debt-Free Rule 29:03 - How HOPE Lends Differently DISCLAIMERThe content shared on this channel is for educational and entertainment purposes only and should not be considered financial, legal, or investment advice. Always consult with a qualified financial professional before making investment decisions. The host is not a licensed financial advisor. All investments carry risk, including the potential loss of principal. ABOUT GRACEFUL INVESTORVisit Graceful Investor and Join the Community here: https://gracefulinvestor.com/ Learn more about this episode's guest organization at hopeinternational.org. #GracefulInvestor #WomenInvesting #FinancialLiteracy #SavingsGroups

  6. Sep 8

    You Might Not Qualify for a Mortgage After Divorce (Here's Why)

    Join the Graceful Investor Newsletter 💟: https://gracefulinvestor.com/ Getting divorced? Two moves protect your credit before anything else: check your score, then freeze it. Subscribe for the money conversations that happen too late. Tasia breaks down what your credit score actually does in a divorce, the blind spots that catch women off guard during the process, and why a good score by itself may not be enough to get you into your next home. WHAT YOU'LL LEARN - The two steps to take the moment a separation starts - Why a lender can pursue you for a full joint balance regardless of your agreement - What happens to your utilization when your name comes off an authorized user card - How to find a card or loan opened in your name without you knowing - Why 24 months of earned income history can matter as much as your score A credit score is the number a lender, a landlord or a card issuer uses to decide whether to say yes to you. Tasia opens by explaining what that number communicates on your behalf, and why it becomes a gatekeeper the moment a marriage starts to come apart. Her first two action steps are practical and free: pull your score on Credit Karma, which reports data from TransUnion and Experian, then freeze your credit so no one can open new lines of credit in your name while your finances are still tangled together. Most of the episode sits with the blind spots. Tasia walks through joint debt and what a lender will and will not honor. In her illustrative example, a couple carrying $80,000 in shared credit card debt agrees to split it evenly. That agreement binds the two of them. It does not bind the card issuer, which can pursue either name on the account for the entire balance. Repayment terms belong in writing with your attorney, not in a handshake with your ex. The difference between an authorized user and a joint account holder is the mechanism most people miss. An authorized user can be removed at the primary cardholder's discretion, and removal shrinks your available credit. In Tasia's illustrative math, a $30,000 balance against $100,000 in available credit is 30% utilization; the same balance against $50,000 is 60%, and utilization that high generally pulls a score down. She also describes sitting with women who log into Credit Karma expecting three cards and find a fourth, opened in their name using their Social Security number, plus the phone call that gets that account canceled and reissued to an address they control. The largest blind spot arrives after the divorce is final. Housing, a car loan and a new credit card all require a credit score, but lenders typically also want to see 24 months of earned income history. A lower-earning spouse or a stay-at-home partner can come through the process with a clean score and still not qualify. Tasia covers what helps: a co-signer, creative financing such as several months of rent paid upfront, and opening a credit card while you are still married and the lender can see household income rather than individual income. She closes with her own recent credit card denial as a stay-at-home mom, which is the reason she made this episode. TIMESTAMPS 0:00 - Your Credit Score in a Divorce 2:57 - Check Your Score, Then Freeze It 6:02 - Joint Debt and Who Lenders Chase 7:55 - Authorized User vs. Joint Account 9:43 - Hidden Debt Opened in Your Name 11:15 - Car Titles, Rent and Mortgage 14:08 - The Post-Divorce Income Problem 15:12 - Open a Card While Still Married DISCLAIMER The content shared on this channel is for educational and entertainment purposes only and should not be considered financial, legal, or investment advice. Always consult with a qualified financial professional before making investment decisions. The host is not a licensed financial advisor. All investments carry risk, including the potential loss of principal. ABOUT GRACEFUL INVESTOR Graceful Investor is hosted by Tasia. The channel covers budgeting, saving, investing, estate planning and what to do with your money during a divorce, for women ready to take control of their financial lives. Free monthly book club: https://gracefulinvestor.com/book-club #GracefulInvestor #WomenAndMoney #DivorceFinances #CreditScore

  7. Sep 2

    What I Actually Needed to Hear When I Was Getting Divorced

    What not to say to someone going through a divorce, and the four things to say instead that actually help. Tasia breaks down the phrases that unintentionally hurt someone going through divorce, and exactly what to say instead so they know you're really there for them. WHAT YOU'LL LEARNThe common phrases that feel dismissive to someone going through divorce, even when they're well-intentionedWhy "I understand" can feel disingenuous unless you've actually lived it yourselfThe "magic question" that gives a struggling friend real, actionable supportHow to offer help with a concrete plan instead of an open-ended "let me know if you need anything"Why judging how someone is coping, or how long their marriage lasted, misses the point Divorce is one of the biggest inflection points a person can go through, and the people around them often don't know what to say. In this episode, Tasia shares the phrases she heard most often during her own divorce that, however well-meaning, didn't land the way the person saying them probably intended. She breaks down the list: "But you seem so happy," which ignores that a happy photo doesn't mean a happy marriage. "So what are you gonna do?", which can read as doubt in someone's ability to rebuild on her own. Assuming a spouse will "be fair" in the process, or that a "great mom" or "great dad" automatically deserves more custody, when no one outside a marriage really knows what happened inside it. Asking why someone was unfaithful, which usually signals curiosity about the drama rather than genuine care. Dismissing a shorter marriage, or an unmarried long-term relationship, as an easier loss. And "I understand," which, unless it's true, can feel disingenuous no matter how kindly it's meant. Then Tasia flips it: four things that actually help. Ask how they're feeling. Reflect back what they tell you. Ask the magic question — "How can I support you right now?" And if they don't know, offer something concrete, like a standing weekly check-in, instead of a vague, open-ended offer that puts the work back on them. This episode is for anyone who has a friend, sibling, or adult child going through a divorce and genuinely doesn't know what to say. Small, specific gestures of support go a long way. TIMESTAMPS0:00 - Welcome to Graceful Investor 3:00 - Why This List Is Personal 3:35 - "But You Seem So Happy" 3:59 - "So What Are You Gonna Do?" 4:48 - "I Understand" Isn't It 5:15 - Judging Who's the Better Parent 6:01 - Four Things to Say Instead 9:42 - The Magic Question DISCLAIMERThe content shared on this channel is for educational and entertainment purposes only and should not be considered financial, legal, or investment advice. Always consult with a qualified financial professional before making investment decisions. The host is not a licensed financial advisor. All investments carry risk, including the potential loss of principal. ABOUT GRACEFUL INVESTORGet Our Newsletter: https://gracefulinvestor.com/ Join The Book Club: https://gracefulinvestor.com/book-club Find Us on Instagram: https://www.instagram.com/gracefulinvestor/ #GracefulInvestor #WomenInvesting #DivorceSupport #WealthBuilding

  8. Aug 27

    Divorce Attorney Says If You're Getting Divorced, Protect These Assets First

    Join the Graceful Investor Community 💟: https://gracefulinvestor.com/ Divorce attorney Wendy Kaufman rebuilt from a 500 credit score to a career protecting women through their own divorces. Tasia breaks down Wendy Kaufman's own divorce story to help you protect your money before, during, and after a life transition. WHAT YOU'LL LEARNWhy hidden assets like personal goodwill, crypto, and pensions get missed in a divorce settlementHow to build independent credit before you need it, and why leases count tooThe life insurance move that protects unpaid child support if an ex passes awayWhy negotiating directly with a spouse during divorce backfiresHow Wendy rebuilt from a 500 credit score to a licensed divorce attorney Wendy Kaufman spent nearly two decades as a stay-at-home mother before her marriage ended in a set of circumstances she never saw coming. Her then-husband, who she believed was working in insurance sales, was arrested for dealing cocaine. The divorce that followed left her with a credit score in the 500s, a house she couldn't afford to keep, and four children relying on her to figure out what came next. Kaufman is now a family law attorney, licensed mediator, and guardian ad litem in Indiana, and she has spent the years since her own divorce turning what she learned the hard way into a practice built on preventing other women from repeating her mistakes. In this conversation with Tasia, she walks through the financial blind spots that cost her the most: a hands-off approach to household money, a joint account that quietly drained a small inheritance, and a credit history that existed almost entirely in her ex-husband's name. She also breaks down the assets divorce attorneys see get missed most often. Crypto is difficult to track and value. A spouse's personal goodwill, the skill a surgeon or financial advisor brings to their own practice, can't be assigned a dollar value in a business valuation, even when shares in the underlying company can. Pensions, increasingly rare but still valuable, require a present-value calculation most people never think to request. And for anyone owed long-term child support, Kaufman explains why she kept a term life insurance policy on her own ex-husband using an insurable interest, and what that kind of policy actually costs. The conversation closes on the advice Kaufman gives every woman she works with: build credit independently during the marriage, never negotiate divorce terms directly with a spouse, and keep at least a toe in the workforce even during years spent at home. Kaufman rebuilt her credit, her career, and her family's finances from the bottom. She talks through exactly how. DISCLAIMERThe content shared on this channel is for educational and entertainment purposes only and should not be considered financial, legal, or investment advice. Always consult with a qualified financial professional before making investment decisions. The host is not a licensed financial advisor. All investments carry risk, including the potential loss of principal. #GracefulInvestor #WomenInvesting #DivorceAndMoney #WealthBuilding

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About

Graceful Investor is the go-to show for women ready to take control of their financial future, build real wealth, and feel confident with money. Hosted by Tasia, every episode breaks down investing concepts in plain English, tackles the money mindset blocks that hold women back, and gives you the practical tools to start building wealth on your own terms. Whether you're paying down debt, learning to invest for the first time, or scaling a portfolio that funds the life you actually want, this is the conversation you've been waiting for. Stop sitting on the sidelines. Your financial future is waiting. Hit subscribe, drop a comment with the first debt you're tackling, and let's build it together. DISCLAIMER The content shared on this podcast is for educational and informational purposes only and should not be considered financial, legal, or investment advice. The host is not a licensed financial advisor. All investments carry risk, including the potential loss of principal. Please consult a qualified financial professional before making any investment decisions.

Information

  • Creator
    Tasia Bade
  • Years Active
    2026
  • Episodes
    32
  • Rating
    Clean
  • Copyright
    © Copyright 2026 Tasia Bade
  • Show Website
    Graceful Investor