Episode Description: In this episode of Real Money, Real Life™, Linda Grizely sits down with Penny DiGiovanna, Founder and Family Wealth Strategist at Financial Planning By Design. Penny shares her approach to helping families align their financial planning with their values, and the importance of thoughtful, multi-generational wealth strategies. We Talk About:• Why clarity around family wealth is about more than just numbers • How to bring values and purpose into financial planning • Key steps to prepare for smooth wealth transfer across generations

About PennyDi Giovanna:

Penny Di Giovanna is the Founder & Family Wealth Strategist at Financial Planning By Design, a boutique virtual family office. She guides families with complex financial lives through the Family Wealth Blueprint. Her belief centers on wealth being about more than money. It's about creating clarity and continuity, so the family stays aligned across generations.

Connect with Penny:

Website: https://www.financialplanningbydesign.com/

LinkedIn: https://www.linkedin.com/in/pennydigiovanna/

About Linda Grizely:

Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers and tactics (real money) with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™.

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

X (Twitter): https://twitter.com/LindaGrizely Resources/Freebies:

What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz

What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz

Join Linda's Free Community: A space for real talk, fresh starts, and women who are done putting themselves last. https://info.lindagriz.com/widget/form/7NpbG0FdJW2Lwp57R0wj

Useful Personal Finance Checklists and Flowcharts: www.lindagriz.com/resources

Episode Description: In this episode of Real Money, Real Life™, Linda Grizely sits down with Kim Egger to talk about the power of self-belief, perseverance, and conviction in building a new life and creating legacy wealth. Kim shares her journey as an entrepreneur and property manager, and how she helps families rethink what financial stewardship and legacy truly mean. Listeners will learn:• How mindset and conviction influence financial decisions • The realities of building wealth through property management and entrepreneurship • How to align money decisions with purpose and legacy • Practical ways to step forward in confidence and perseverance

About KimEgger:

Kim Egger is the visionary founder behind Treasures in Heaven Property Management. Her career didn't begin in property management—it was forged over 25 years in the world of banking, where she rose from her first role as a teller all the way to EVP of Commercial Banking, specializing in commercial and real estate lending. Along the way, Kim navigated triumphs, setbacks, and lessons that shaped her into the leader she is today. Now, her mission goes beyond managing properties—she's passionate about helping others reclaim their time, build true financial freedom, and step boldly into a life aligned with their purpose.

Connect with Kim:

Website: https://www.tihpropertymanagement.com

Instagram: https://www.instagram.com/kim.egger.18

Facebook: https://www.facebook.com/kim.egger.18

Instagram: https://www.instagram.com/treasures.in.heaven.mgmt/

Facebook: https://www.facebook.com/treasures.in.heaven.mgmt/

LinkedIn: https://www.linkedin.com/in/kim-egger-802947b8/

About Linda Grizely:

Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers and tactics (real money) with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™.

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

X (Twitter): https://twitter.com/LindaGrizely Resources/Freebies:

What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz

What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz

Join Linda's Free Community: A space for real talk, fresh starts, and women who are done putting themselves last. https://bit.ly/RealMoneyRealLifeCommunity

Useful Personal Finance Checklists and Flowcharts: www.lindagriz.com/resources

Episode Description:

In this episode of Real Money, Real Life™, Linda Grizely sits down with Jackie Postelnick to talk about rethinking college choices and helping students find their unique path. From understanding personal strengths to navigating the overwhelming world of higher education, Jackie shares how families can empower teens to make confident decisions about their future. We Talk About: • Why college is not one-size-fits-all • How to align education choices with a student's values and strengths • Steps families can take to reduce stress and increase clarity in the process • Practical ways to support teens without adding financial pressure About Jackie Postelnick: Jackie Postelnick is an educator and coach who helps students and families navigate the college decision-making process with confidence. Her work centers on empowering teens to uncover their strengths, explore options, and create a future that feels authentic to them. Connect with Jackie:

Website: https://jackiepostelnick.com

About Linda Grizely:

Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers and tactics (real money) with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™.

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

X (Twitter): https://twitter.com/LindaGrizely Linda's Resources/Freebies:

What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz

What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz

Join Linda's Free Community: A space for real talk, fresh starts, and women who are done putting themselves last. https://bit.ly/RealMoneyRealLifeCommunity

Useful Personal Finance Checklists and Flowcharts: www.lindagriz.com/resources

Episode Description:

In this episode of Real Money, Real Life™, Linda Grizely sits down with Cameron Huddleston, journalist, author, and caregiving advocate, to talk about one of the most difficult financial conversations: talking to parents about money and aging.

Cameron shares insights from her book "Mom and Dad, We Need to Talk*", where she helps families navigate sensitive topics like estate planning, long-term care, and protecting loved ones from financial exploitation. Together, Linda and Cameron explore why these conversations are so hard, practical steps to make them easier, and how to build confidence in taking on caregiving and financial responsibility.

We Talk About:• Why avoiding these conversations can create bigger problems later • How to prepare for difficult discussions about money and aging • Steps to protect parents and families financially while preserving relationships If you've ever wondered how to start these conversations—or worried it might be too late—this episode provides both clarity and courage.

About Cameron Huddleston:

Cameron Huddleston is the author of Mom and Dad, We Need to Talk: How to Have Essential Conversations With Your Parents About Their Finances. She also is an award-winning personal finance journalist whose work has appeared in AARP, Kiplinger Personal Finance, Forbes, Yahoo Finance and many more online and print publications.

Connect with Cameron: Website: https://cameronhuddleston.com

Book: https://cameronhuddleston.com/mom-and-dad-we-need-to-talk

LinkedIn: https://www.linkedin.com/in/cameron-huddleston-187b633/

Instagram: https://www.instagram.com/cameronkhuddleston/

Free In Case of Emergency Organizer https://cameronhuddleston.com/resources/

About Linda Grizely:

Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers and tactics (real money) with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™.

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: TikTok: https://www.tiktok.com/@lindagrizely

X (Twitter): https://twitter.com/LindaGrizely

Linda's Resources/Freebies: What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz

What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz

Join Linda's Free Community: A space for real talk, fresh starts, and women who are done putting themselves last. https://info.lindagriz.com/widget/form/7NpbG0FdJW2Lwp57R0wj

Useful Personal Finance Checklists and Flowcharts: www.lindagriz.com/resources

Episode Description:

In this episode of Real Money, Real Life™, Linda sits down with Kim Murray to talk about grief, healing, and reclaiming your life after loss. We cover: - How grief impacts everyday life and financial decision-making - The power of journaling as a tool for clarity and healing - Why simple practices can help you move forward after loss - How financial clarity supports emotional healing About Kim Murray: Kim Murray is the author of The Widow's Journal: Questions to Guide You through Grief & Life Planning after the Loss of a Partner, and founder of Widow 411, a resource hub for widows. She combines personal experience with practical tools to help women navigate loss and begin again. Connect with Kim: Website: https://widow411.com

The Widow's Journal (Amazon): https://www.amazon.com/dp/B0CLZXY5S8

About Linda Grizely:

Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers and tactics (real money) with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™.

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

X (Twitter): https://twitter.com/LindaGrizely

Resources/Freebies: What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz

What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz

Join Linda's Free Community: A space for real talk, fresh starts, and women who are done putting themselves last. https://info.lindagriz.com/widget/form/7NpbG0FdJW2Lwp57R0wj

Useful Personal Finance Checklists and Flowcharts: www.lindagriz.com/resources

Episode Description:

In this episode of Real Money, Real Life™, Linda talks with Mary Schepp about what really falls under property & casualty (P&C) insurance, how umbrella policies work, and why premiums have been climbing. We talk about:

- P&C 101: the difference between property coverage and casualty (liability) - Umbrella insurance as excess liability and when it can protect your assets - Deductibles (all‑peril vs. wind/hail) and how percentage deductibles work - Replacement cost vs. actual cash value on roofs, matching endorsements, and common exclusions - Why rates are rising: catastrophe losses, rebuild costs, and using insurance like a maintenance plan - Why to review your home/auto policies with your agent at renewal - What "full coverage" on auto really means (liability + collision + comprehensive) About Mary Schepp: Mary Schepp is the Agency Manager at Brightway Insurance, The Janicki Agency, with over 25 years' experience in the real estate industry, customer service, and management—including time as a loan officer and as an insurance agent. She's an active community advocate through The Rotary Club of Cary‑Grove, the Cary‑Grove Area Chamber of Commerce, and Fresh From Local Farms Organization. Connect with Mary: Website: https://brightwayjanicki.com

Phone: 847-807-3200

About Linda Grizely:

Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers and tactics (real money) with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™.

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

X (Twitter): https://twitter.com/LindaGrizely

Resources/Freebies: What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz

What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz

Join Linda's Free Community: A space for real talk, fresh starts, and women who are done putting themselves last. https://bit.ly/RealMoneyRealLifeCommunity

Useful Personal Finance Checklists and Flowcharts: www.lindagriz.com/resources

Episode Description: In this episode of Real Money, Real Life™, Linda sits down with Jenn Smith, career coach and negotiation expert, to talk about the art and mindset of negotiating pay. Together they explore why so many women feel held back at the bargaining table and what it takes to shift from fear to confidence when it comes to asking for more. Find out how to ask for the salary you deserve, and actually get it. We Talk About: - The hidden beliefs that stop women from negotiating - Practical strategies for asking for a raise or promotion - How to recognize your market value and leverage it - The ripple effect of earning more on your career and life

About Jenn Smith: Jenn Smith is a career coach and speaker who helps women step into their power, own their worth, and confidently negotiate pay. Through her coaching practice, she equips women with the tools and strategies to break free from under-earning and achieve the salaries they deserve. Her mission is to close the wage gap and empower women to create careers and lives they love. Connect with Jenn: Instagram: https://www.instagram.com/flourish.careers

LinkedIn: https://www.linkedin.com/in/jenniferlsmith9200/

Shop The Greenhouse: https://flourish.careers/shop

Web: https://flourish.careers/

About Linda Grizely:

Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers and tactics (real money) with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™.

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

X (Twitter): https://twitter.com/LindaGrizely

Resources/Freebies from Jenn and Linda:

Show Offers: 25% off Career Change Course Fried to Flourishing with code ThankYou25: https://course.flourish.careers/offers/jMHggdnW?coupon_code=THANKYOU25

Free BONUS Toolkits for listeners: https://course.flourish.careers/freebies

What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz

What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz

Join Linda's Free Community: A space for real talk, fresh starts, and women who are done putting themselves last. https://bit.ly/RealMoneyRealLifeCommunity

Useful Personal Finance Checklists and Flowcharts: www.lindagriz.com/resources

Episode Description: In this episode of Real Money, Real Life™, Linda talks with Jay Zigmont about financial planning for people who don't have kids. We explore what it means to create a legacy when children aren't in the picture, how to align your money with your values, and the unique opportunities and challenges that come with a childfree life. We Talk About: - Why traditional financial planning often assumes kids and how to rethink it - How to design a fulfilling legacy without heirs - Ways to maximize freedom and flexibility in a childfree lifestyle - Tax and estate considerations for childfree individuals and couples About Dr. Jay Zigmont: Dr. Jay Zigmont, PhD, CFP®, is the founder of Childfree Wealth®, a life and financial planning firm specializing in helping people without kids. He is also the author of "Portraits of Childfree Wealth" and host of the Childfree Wealth Podcast. Connect with Jay: Childfree Wealth®: https://childfreewealth.com

Childfree Trust®: https://childfreetrust.com

Childfree Wealth Podcast: https://childfreewealth.buzzsprout.com

About Linda Grizely:

Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers and tactics (real money) with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™.

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

X (Twitter): https://twitter.com/LindaGrizely

Resources/Freebies: What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz

What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz

Join Linda's Free Community: A space for real talk, fresh starts, and women who are done putting themselves last. https://info.lindagriz.com/widget/form/7NpbG0FdJW2Lwp57R0wj

Useful Personal Finance Checklists and Flowcharts: www.lindagriz.com/resources

Episode Description: In this episode of Real Money, Real Life™, Linda talks with Sara Hobbs about rebuilding after financial setbacks. They discuss the emotional challenges of starting over and how to move from overwhelm to empowerment. We Talk About: - The challenges of rebuilding after divorce, loss, or burnout - How compassion and accountability support financial change - Resetting money habits with confidence - The principles Sara uses to help clients find stability About Sara Hobbs: Sara Hobbs is the CEO and Founder of Forecastle Financial, a financial services firm focused on providing Personal CFO and Account Management services. Sara is a dedicated finance professional who brings more than 24 years of financial expertise to her clients. Her goal is to equip her clients with the tools, resources, and support necessary for making informed financial decisions that resonate with their personal goals and values. Sara is an Intuit Certified Bookkeeping Professional, a member of The American Association of Daily Money Managers, a member of the Private Service Alliance, a member of the Estate Management Network and a Trustworthy Certified Expert. Connect with Sara: Website: https://www.forecastlefinancial.com

LinkedIn: https://www.linkedin.com/in/sara-hobbs

About Linda Grizely:

Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers and tactics (real money) with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™.

Connect with Linda: Website: https://www.LindaGriz.com

Instagram: https://www.instagram.com/lindagrizely

Facebook: https://www.facebook.com/thelindagrizely

LinkedIn (Personal): https://www.linkedin.com/in/linda-grizely

LinkedIn (Linda Grizely Ventures): https://www.linkedin.com/company/linda-grizely-ventures

LinkedIn (Real Money Real Life Podcast): https://www.linkedin.com/company/real-money-real-life/

YouTube: https://www.youtube.com/@LindaGrizely

TikTok: https://www.tiktok.com/@lindagrizely

X (Twitter): https://twitter.com/LindaGrizely

Resources/Freebies:

What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz

What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz

Join Linda's Free Community: A space for real talk, fresh starts, and women who are done putting themselves last. https://bit.ly/RealMoneyRealLifeCommunity

Useful Personal Finance Checklists and Flowcharts: www.lindagriz.com/resources

Episode Description: In this episode of Real Money, Real Life™, Linda sits down with Chad Holmes, CPA, CFP®, and bestselling author of The Inheritance Playbook, to tackle one of life's most emotional and practical challenges: caring for aging parents while planning for multi-generational wealth.

Chad shares how families can avoid unnecessary taxes, navigate probate, and preserve both peace and money. Together, Linda and Chad also explore the mindset challenges that come with stepping into a financial caregiver role and how to foster better conversations across generations.

Key topics include:

• Durable vs. springing power of attorney — and why the difference matters
• The role of wills, living wills, and trusts in protecting families
• Why probate can sometimes be a good thing (hint: creditor claims)
• The powerful step-up in basis and how to pass the torch, not the tax
• The emotional blocks families face when talking about money, death, and legacy

If you've ever wondered how to prepare for the unexpected, protect your family's inheritance, and minimize conflict, this conversation will give you both the strategy and the mindset shifts to move forward with clarity.

About Chad Holmes:

Chad runs a boutique financial planning firm out of Fairhope, AL, serving families nationwide as a flat fee financial advisor (no commissions or sales products), focusing on minimizing taxes and maximizing legacies from a multigenerational perspective. He is both a CPA and CFP® fiduciary. His latest accomplishment is becoming a bestselling author with his book, The Inheritance Playbook – Helping Your Parents Pass the Torch, Not the Tax.

Connect with Chad:

Website: https://formulawealth.com/ Childfree Wealth®: https://childfreewealth.com Childfree Trust®: https://childfreetrust.com Childfree Wealth Podcast: https://childfreewealth.buzzsprout.comEmail: [email protected] Newsletter: https://formulawealth.kit.com/ Life Audit Service: https://formulawealth.com/lifeaudit Book: The Inheritance Playbook — available on Amazon and Spotify

About Linda Grizely:

Linda Grizely, CFP®, is a personal finance expert and financial wellness speaker who helps people build confidence and clarity with their money. She is the creator of the MeMoney™ Method, a mindset-first approach that helps people feel more in control of their financial decisions — without judgment or lecture. Linda focuses on blending the numbers and tactics (real money) with the human side of money (real life), helping individuals and organizations replace overwhelm with empowerment through practical, emotionally grounded financial education. She is the host of the podcast Real Money, Real Life™.

Connect with Linda:

Website: https://www.LindaGriz.comInstagram: 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 X: https://x.com/LindaGrizely

Linda's Resources/Freebies:

What's Your Money Personality Quiz: https://bit.ly/MonPersQuiz

What's Holding You Back from Financial Confidence Quiz: https://bit.ly/FinConfidQuiz

Join Linda's Free Community: A space for real talk, fresh starts, and women who are done putting themselves last. https://bit.ly/RealMoneyRealLifeCommunity

Useful Personal Finance Checklists and Flowcharts: www.lindagriz.com/resources