Episode Descripton:

In this episode of Real Money, Real Life™, Linda Grizely sits down with Josh Radman, CFP®, EA and Founder of Presidio Advisors, to break down the confusing world of equity compensation — RSUs, ISOs, NSOs, vesting schedules, exercising options, and more. Josh shares how his own experience receiving equity at tech companies revealed how little most employees are taught about their stock, and why so many people freeze, overthink, or miss opportunities.

They explore how to understand the real value of your shares, what "bullish" actually means, how risk tolerance and opportunity cost fit into the decision to exercise options, and why equity should always be viewed in the context of your bigger life goals — not just taxes or company hype.

Whether you're at a startup or a large public company, this episode gives a clear foundation for finally understanding your equity grants.

We Talk About:

• The differences between RSUs, ISOs, NSOs, and how each one works • What vesting really means and the timing rules most people miss • What it means to be "bullish" on your company • How to think about exercising stock options (including opportunity cost) • Why equity decisions should tie into lifestyle, career, and life goals • How to avoid mindset traps and confusion around tax implications • What to do first if you have equity compensation and feel overwhelmed

About Josh:

Josh Radman's journey into financial planning was different than many. He started in tech where he received equity grants as part of his compensation package shortly after graduating from business school at Harvard. What was meant to be an exciting ownership opportunity quickly became a confusing tangle of tax rules, vesting schedules, and financial tradeoffs. When Josh looked for an advisor who could help him navigate these decisions, he found options lacking. That led him to launch his own firm, Presidio Advisors. Today, Josh specializes in guiding people through the maze of equity compensation, tax planning, and broader financial independence strategies. His approach especially resonates with younger professionals because it blends technical expertise with an understanding of the unique pressures and aspirations of his generation. For example, he doesn't just focus on whether clients should hold or sell their stock options—he ties those decisions to bigger questions about lifestyle, career transitions, and risk tolerance. This perspective makes him not just a financial planner, but also a partner in helping clients align their money decisions with their broader life goals. Now based in Denver but serving clients across the U.S., Josh has built Presidio Advisors into a firm that fills a critical gap for young professionals in tech and beyond.

Connect with Josh:

Website: https://www.presidioadvisorsllc.com LinkedIn: https://www.linkedin.com/in/joshradman/

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

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

Description: What if the most loving thing you could do for your family had nothing to do with money -and everything to do with preparation?

In this powerful episode of Real Money, Real Life™, Linda Grizely sits down with Cyndy Wulfsberg, to talk about end-of-life organization, legacy clarity, and the emotional peace that comes from planning ahead.

Cyndy shares how creating her "Before I Die" workbook helps families document essential information, communicate final wishes, and spare loved ones from confusion, conflict, and costly mistakes. From wills and passwords to personal messages, this episode reminds us that preparation is the greatest gift we can leave behind.

You'll learn:• Why avoiding the topic of death creates chaos for your family • How to make estate and healthcare planning less overwhelming • What to include in a simple legacy binder -and why it matters now, not later

If you've ever thought, "I'll get to it someday," this conversation will inspire you to take action and give your loved ones the peace of mind they deserve.

Guest Bio: Cyndy Wulfsberg is the author of a best-selling book, Ghost or Guardian: A Guidebook for the Pre-Dead. Do these things before you die so your heirs won't hate you later. It is a humorous look at cleaning up the mess you are making in your life before you leave it to people you claimed to love. The book was written while closing the estates of her four family members who left this world in varying degrees of preparedness, and she hopes her approach to the subject is a kick in the pants to get people making plans instead of feeling bad that they haven't.

Connect with Cyndy: Website: https://fromthefilecabinet.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 X (Twitter): https://twitter.com/LindaGrizely

Resources / Freebies:Get Cyndy's: You can be a Guardian Angel or a Ghost of Clutter Past Checklist at her website https://fromthefilecabinet.com/

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

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 Penny: 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/

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

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 Kim: 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/

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

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. Listeners will learn: • 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: 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

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://info.lindagriz.com/widget/form/7NpbG0FdJW2Lwp57R0wj

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.

Listeners will learn: • 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: 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/

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

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: 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

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

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: 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

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

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: 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/

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://info.lindagriz.com/widget/form/7NpbG0FdJW2Lwp57R0wj

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 Jay: 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

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