Graceful Investor

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.

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 season
• Why you don't need a full wardrobe overhaul after you find your colors
• The two-to-three-week rule for working with the closet you already have
• How one well-chosen layer can extend the life of pieces you already own
• How 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

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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

💟 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.

• Why an auto-enrolled retirement account can sit in cash for years without you knowing
• How to legally combine a 401(k), a Health Savings Account, and a Roth IRA for triple tax advantages
• The HSA reimbursement strategy that lets old receipts convert into a tax-free withdrawal later
• The real difference between a tax credit, a tax deduction, and a tax refund
• What 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.

0:00 - 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

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.

Graceful Investor website: https://gracefulinvestor.com/

Find Tasia on IG: https://www.instagram.com/gracefulinvestor/

#GracefulInvestor #WomenInvesting #FinancialLiteracy #WealthBuilding

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.

0:00 - 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

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.

Visit 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

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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

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.

• The common phrases that feel dismissive to someone going through divorce, even when they're well-intentioned
• Why "I understand" can feel disingenuous unless you've actually lived it yourself
• The "magic question" that gives a struggling friend real, actionable support
• How 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.

0:00 - 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

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.

Get Our Newsletter: https://gracefulinvestor.com/

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#GracefulInvestor #WomenInvesting #DivorceSupport #WealthBuilding

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.

• Why hidden assets like personal goodwill, crypto, and pensions get missed in a divorce settlement
• How to build independent credit before you need it, and why leases count too
• The life insurance move that protects unpaid child support if an ex passes away
• Why negotiating directly with a spouse during divorce backfires
• How 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.

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 #WomenInvesting #DivorceAndMoney #WealthBuilding

WHOLE LIFE VS TERM: THE QUESTIONS TO ASK FIRST

An advisor pitches whole life insurance as the way to protect your family and build wealth at the same time. Tasia walks through what that pitch leaves out, so you can decide for yourself before you sign.

WHAT YOU'LL LEARN

Whole life insurance covers you for your entire life, and part of every premium builds a cash value the insurer invests on your behalf. Tasia breaks down why that savings piece returns far less than most people expect, and what happens to that money when you try to access it.

You'll see two side-by-side examples. In the half-million-dollar scenario, a whole life premium runs about $500 a month while a comparable term policy runs about $30, leaving $450 to $470 a month you could invest yourself. In an S&P 500 ETF over twenty years, that difference grows to roughly $310,000 that stays yours.

The episode also covers the exact questions to ask a salesperson: how their commission is structured, the real year-over-year return, and how and when you can withdraw the cash value. You'll learn how policy loans and cash surrender value actually work, and what self-insuring means for you if you already hold a whole life policy.

EPISODE SUMMARY

Tasia opens with a warning most people never hear: if an advisor has told you a whole life policy is the best way to do life insurance and build wealth at once, that pitch is missing about half the story. This episode gives you the other half, calmly and without pressure.

She starts with how whole life works. The premium splits between a death benefit and a cash value savings account the insurer manages. Using a $50,000 salary and the ten-times-earnings guideline, she quotes a half-million-dollar policy at roughly $500 a month, with $120,000 to $180,000 in cash value after twenty years at the insurer's usual 2% to 4% return.

Then she runs the term comparison. The same coverage costs about $30 a month. Invest the $450 to $470 monthly difference in a plain S&P 500 ETF for twenty years and it grows to about $310,000 that is entirely yours, with no penalties or loan interest to reach it. She names the reason agents rarely mention this: commissions are far higher on whole life.

Tasia lists the questions that protect you in the sales office: how much commission the agent earns, the true return after twenty years, and when you can actually withdraw your money. She explains cash surrender value, the money you keep if you cancel early, and policy loans, where you borrow your own savings back at interest, with any unpaid balance pulled from the death benefit your family was counting on.

A second example scales the numbers up. A million-dollar term policy costs about $660 a year against roughly $12,000 a year for whole life, an $11,340 annual gap. Saved for twenty years at a 7% growth rate, that difference reaches about $630,000, and you still hold a million-dollar policy. This is where self-insuring comes in: your own account grows close to the death benefit while staying under your control.

She closes for anyone who already owns a whole life policy. You are not locked in. You can quote term coverage, cancel the whole life policy, and take the cash surrender value, though there will be tax implications on the gain. Tasia's message is grace, not blame: give yourself room and decide whether the switch fits you.

TIMESTAMPS

• 0:00 — Why the whole life pitch misses half
• 1:12 — How whole life insurance actually works
• 2:13 — Half-million example: whole vs term
• 4:25 — Invest the difference: the $310K math
• 5:42 — The questions to ask a salesperson
• 6:39 — Cash surrender value and policy loans
• 9:02 — Million-dollar example: the $630K gap
• 10:02 — Already own whole life? You can switch

If this gave you a clearer picture of your own policy, head to gracefulinvestor.com, like the video, and subscribe so the next money conversation reaches you. Then bring your questions to the comments.

LINKS & RESOURCES

• Graceful Investor website: https://gracefulinvestor.com/
• Join the Book Club: https://gracefulinvestor.com/book-club

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.

#WholeLifeInsurance #TermLifeInsurance #InvestTheDifference #FinancesAfterDivorce #WomenOver40

Most people cannot name the dollar amount they paid their financial advisor last year. Tasia breaks down where the money goes and the questions that reveal it.

What you'll learn:

The three ways advisors charge (assets under management, hourly and annual flat fee), five below-the-surface payment channels including sub-advisory fees, 12b-1 trailing commissions, revenue sharing, insurance commissions and referral fees, the difference between a fiduciary and a broker's suitability standard, how to research any firm free on advisorinfo.sec.gov and what a 1% fee can cost you over 10 and 20 years.

A financial advisor can charge in three ways: a percentage of assets under management, an hourly rate or an annual flat fee. Tasia explains how each model works, why the AUM model grows more expensive as your portfolio grows and what to ask before you sign with a new firm or switch advisors.

Some compensation never appears as a line item. Sub-advisory fees pass a second money manager's cut through your returns before you see them. Trailing commissions, known as 12b-1 fees, pay an advisor each year for keeping you in a specific fund. Revenue sharing pays a brokerage to feature a fund company's products. Commissions on whole life insurance can pay an advisor 5% to 10% of the full purchase upfront. Referral fees can sit behind introductions to accountants, attorneys and mortgage brokers. Tasia gives you the direct question to ask about each one.

The episode then covers the distinction that governs all of it. A fiduciary must act in the client's best interest at all times. A broker follows a suitability standard, which only requires recommendations that fit your goals and timeline, and back-end incentives remain legal under it. Tasia explains the RIA credential and how to confirm fiduciary status in writing.

You will also learn about advisorinfo.sec.gov, the free SEC database where Form ADV Part 2A discloses a firm's fee structures, fiduciary status, disciplinary history, client counts and average account size.

Tasia closes with the math. On a $1 million portfolio, a 1% fee is $10,000 a year. Left invested at 7%, that money could have grown to $138,000 over 10 years and almost $410,000 over 20. She then compares AUM fees with flat fee advisors so you can weigh what the difference could mean for your own portfolio.

Timestamps:

0:00 — The advisor fee most of us miss

2:46 — Three ways advisors charge you

3:48 — Five hidden ways advisors get paid

7:07 — Fiduciary vs broker standards

10:59 — Free SEC advisor lookup tool

14:52 — What a 1% fee costs over time

18:56 — Flat fee vs AUM comparison math

Subscribe for practical money education made for women, and share this episode with a friend who has never seen her advisor's fee in dollars.

Links and resources:

Free SEC advisor lookup: advisorinfo.sec.gov (search a broker or firm, then open Form ADV Part 2A)

How To Fire Your Financial Advisor (GI 022): https://youtu.be/IBO8jui1zwU

Graceful Investor book club: https://gracefulinvestor.com/book-club

Disclaimer: This episode is general financial education, not financial, legal or tax advice. Every situation is different, so consult a licensed professional.

#FinancialAdvisor #InvestingForWomen #PersonalFinance #WealthBuilding

Listen Next 💟 If Your Cash Is Just Sitting in Savings, Do This First: https://youtu.be/N_QXbf8RnRw

If you receive child support, you have probably had the thought: I have this money, but what am I actually allowed to spend it on? And if there is money left over each month, what am I supposed to do with it?

In this episode of Graceful Investor, host Tasia sits down with Gianna Scappucci, a certified divorce coach and domestic mediator, to break down what child support is for, what it is meant to cover, whether anyone can tell you how to spend it, and how to move the leftover into smarter places as your life and your child's life progress.

What we cover:

• What child support is meant to cover: transportation, education, healthcare, food, clothing and shelter.
• The leftover question: what happens when your expenses run under the monthly amount, and what your obligations actually are.
• Whether anyone is entitled to know how you spend it, and how rare a court-ordered accounting really is.
• Why separating and not commingling funds can protect the receiving parent.
• Smarter places for the extra as life progresses: savings, high-yield savings, and longer-horizon vehicles, discussed in general terms only.
• Modifications, true-ups, lump sums, remarriage and high-earner situations.

FINANCIAL DISCLAIMER

This content is for educational and informational purposes only and is not financial, investment, tax, or legal advice. Consult a qualified professional before making financial decisions.

Featured in this episode

Host: Tasia, Graceful Investor

Guest: Gianna Scappucci, certified divorce coach, domestic mediator, founder of The Divorce Agency

CONNECT WITH GRACEFUL INVESTOR

Website: gracefulinvestor.com

The Divorce Agency: https://www.linkedin.com/company/piece-mind-the-divorce-agency/

Gianna Scappucci on LinkedIn: https://www.linkedin.com/in/gscappucci/

Here are some other videos you might enjoy:

• What Wall Street Knows About Investing That You Don't: https://youtu.be/W2Il6VPlGWI

• If Your Cash Is Just Sitting in Savings, Do This First: https://youtu.be/N_QXbf8RnRw

• 4 Money Mistakes Women Make: https://youtu.be/MShUGjh-urU

• Irrevocable Trust for Kids: How to Turn $217K Into $1.9 Million by Age 40: https://youtu.be/w3JGJ_mxDlw

CHAPTERS

0:00 — What this episode answers

1:10 — Meet Gianna Scappucci

4:37 — How child support is calculated

16:33 — Where the money should land: court portal vs. personal checks

21:07 — What child support is meant to cover

24:01 — The separate, non-commingled account

31:33 — What to do with the leftover

34:12 — Trusts, 529 plans, and the long horizon

42:13 — Modifications, true-ups, remarriage

#ChildSupport #SingleMomFinances #FinancialEmpowerment #MoneyTips #GracefulInvestor