November 11, 2025 • 34 mins
Today, we dive into the world of financial empowerment with Linda Grizely, a results-oriented leader with a wealth of experience in financial services. Linda’s mission is to help individuals, particularly women, overcome their fears related to finances and achieve their financial goals. Throughout our conversation, she shares her journey from a corporate role to becoming a financial educator, emphasizing the importance of understanding money personalities and emotional connections to spending. We also explore her innovative concept of "me money," which encourages individuals to prioritize self-care in their financial planning—because let’s face it, treating yourself doesn’t have to come with guilt! Join us for an insightful discussion that promises to make finances feel a little less daunting and a lot more empowering.
The conversation with Linda Grizely dives into her remarkable journey from a non-profit leader to a financial education advocate, emphasizing her mission to empower individuals, especially women, in their financial decisions. Linda shares her personal story of transformation, highlighting how she recognized the lack of financial knowledge many face. She recalls her own struggles in finding credible financial advice, which ultimately fueled her desire to create a supportive environment for others. The discussion touches on her innovative approach to financial education, including her unique concepts like 'Me Money,' which encourages individuals to allocate funds for personal enjoyment without guilt. This refreshing perspective aims to break down the barriers that often prevent people from engaging with their finances, allowing them to take control of their financial futures with confidence and clarity.
Throughout the episode, Linda’s insights shed light on the importance of understanding one’s own money personality and the emotional connections tied to financial decisions. She emphasizes that financial literacy is not just about numbers; it’s about fostering a mindset that allows individuals to feel empowered in their choices. The conversation resonates with listeners, encouraging them to embrace their financial journeys, seek knowledge without fear, and recognize that they are not alone in their struggles. Linda's story is a testament to the power of education and community in achieving financial success, making this episode a must-listen for anyone looking to enhance their financial literacy and confidence.
Takeaways:
- Linda Grizely transitioned into financial education later in life, emphasizing the importance of self-discovery in financial planning.
- The podcast highlights the need for financial literacy among women, who often feel intimidated by financial advisors and the industry.
- Understanding one's money personality is crucial; Linda offers a quiz to help individuals identify their financial habits and tendencies.
- Teaching people about money goes beyond budgeting; it includes understanding emotions and behaviors related to spending and saving.
- The concept of 'me money' allows individuals to allocate funds for personal enjoyment, empowering them to make intentional financial choices without guilt.
- Financial education is about bridging gaps and providing a safe space for learning, especially for those who feel excluded from traditional financial services.
Links referenced in this episode:
Companies mentioned in this episode:
- Ameriprise
- American College of Financial Services
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
(00:40):
Well, hello everybody andwelcome to another amazing episode
of Unstoppable Success, thepodcast where we hear from amazing
leaders, insightfulindividuals who have had their own
unstoppable success and theyget to share their tips, their wisdoms
and insights so that you canbe unstoppable in your own success.
And today I would love towelcome to the podcast I Linda Grizzly.
(01:06):
Let me tell you a little bitabout Linda because she, my God,
she's done so many amazingthings, but she does and what she
is doing is absolutely fantastic.
So she is just, you know, aresults oriented leader with six
years of experience infinancial services and has a strong
foundation in executiveleadership, team development and
organizational strategy acrossmultiple industries.
(01:29):
She is adept at leading highperforming advisor teams, driving
business growth and enhancingclient experience, experience through
people first, leadership andoperational excellence.
And she has a amazing insightinto helping women with financial
success and others individualswith financial success, which is
(01:51):
one of the key things tohaving and being unstoppable.
So welcome Linda.
Thank you.
That was a lovely introductionand I'm so glad to be here.
I'm looking forward to this conversation.
So, okay, so Linda, I kind of,this is one of these kind of odd
questions, you know, did youwake up when you were 8 years old
(02:14):
and decide I want to be afinancial planner and advisor?
No, I woke up when I was, ohmy gosh, probably 50 years old and
decided I wanted to be afinancial planner or advisor.
It took me a long time to get there.
But yeah, I did wake up oneday and decide that's what I wanted
to do.
(02:34):
And I had a, I had a goodcareer in that.
And then now I'm doingfinancial education, not doing planning
or advising directly, buthelping people bridge the gap.
Like the people who are likeafraid to go to a financial advisor
because they feel like they'rejust going to get sold something
or feel like they don't haveenough, feel like they're behind,
you know, maybe can't, maybecan't afford to pay for a fee only
(02:58):
advisor and they just want aplace to go to learn about it or
maybe they just want to do it themselves.
So providing a space for thatis where I'm at now.
But yeah, I just woke up oneday and decided, I mean there's a
lot more to this story.
But, but, but speaking ofthat, like what made you go into
it and then, you know,because, you know, to back up, it's
(03:20):
like it's one of thoseindustries where I feel like, you
know, had I, like maybe had Iknown or like it's like not one of
those things.
You wake up every day and you.
Then you think, I want to be afinancial advisor.
And I'll be honest to say,like when I, when I first moved,
when I was first in Boston, Iworked at a radio station and one
of my clients was Ameriprise.
(03:42):
And I helped them bring onfinancial advisors.
And no offense to Ameripriseor anything like that, but that organization
there was a creepiness to melike, about it, like how they made
people work and like the work ethic.
And I.
So but yet fast forward, Ithink, I think it's a phenomenal
profession.
(04:02):
And so what made you jump into it?
So I'll tell you my storyfirst and then there's some stuff
to unpack from what you justsaid too.
But let's start with my story.
So I actually.
So I was at a, I was at aturning point in my life and I needed
to step away from a job thatwas not a good place to work.
(04:26):
And I didn't even have abachelor's degree yet, right.
So I took this leap of faithand really just stepped down from
this role.
It was leading a small non forprofit and I stepped down from that
role and went back to schoolbecause I wanted to do something
bigger.
I wanted to have a bigger impact.
(04:46):
I wanted to make more money, Iwanted to do just grow, right.
So I went back to school toget my bachelor's degree and then
I was, as I was doing that, Iwas, you know, stacking my resume
with other certifications and things.
And I started this coursecalled the Chartered Advisor in Philanthropy
(05:08):
course.
And it's through the AmericanCollege of Financial Services.
It's like the biggest mouthfulof a name of everything I could ever
tell you, but CharteredAdvisor in Philanthropy, American
College of Financial Services.
So the philanthropy partserved the non profit world that
I was, I was trying to grow inand trying to make a bigger impact
in.
Right.
Because I really wanted tohelp people.
(05:29):
And this, this designationteaches you about like legacy planning
for high or early people withhigh, not necessarily even high earners,
but people with a lot of money.
Right.
So it's legacy planning.
It's like the charitabletrusts and the, you know, leaving
your beach house to someoneand all this stuff, right?
So it's big numbers and it's.
(05:52):
Yeah.
And it's, it's, it's reallyhigh level planning.
And so with that as a non forprofit, like you're talking about
like donations to maybeuniversities or hospitals, like big
planning.
So that's that's the kind ofeducation I was getting right As
I was looking for, looking forthis not for profit job, but really
(06:13):
it served financial advisorsand planners that were doing, working
with ultra high net worthclients as well as tax advisors.
Right.
So there were different peoplein the class that were from all these
different worlds at the same time.
I put that financial AmericanCollege of Financial services on
my LinkedIn profile andimmediately I started getting the
(06:35):
phone calls about hey, do youwant to come work for us?
And have you ever thought of acareer in financial services?
And, and the more I went downthe road of looking for a role at
a non for profit, I.
There's not a lot of the typeof jobs that I wanted, right.
Especially where I am becauseI'm not in a major city, I'm, I'm
(06:55):
on the far suburbs.
But I started to think aboutit and going through these courses,
I was like, I could reallyhelp a lot of people through financial
advising or financial planning.
That's some way that I couldhelp people and I could really make
a big difference.
And if I got to do high levelplanning and gift advising and things
like that, that'd be, that'dbe great too.
So that is the story about howI ended up deciding on going into
(07:20):
financial services.
But I love that though,because you're, because it's, it's,
you know, not everybody wakesup one day obviously, right, and
decides I'm going to go into this.
And I mean a lot of people whodo, who do that maybe have the family
who has, they've, they've comefrom a family of financial advisors
or, or they've somehow wereintroduced, introduced to that field
(07:43):
and it's become something andso they know it.
So it's great that you can't,you learned about it, but through
something that was, thatresonated with your heart.
Yeah, yeah, absolutely.
And I have helped a lot of people.
I mean I've helped people withfinancial planning and I've done,
you know, a lot of workhelping people.
(08:04):
But now doing financialeducation, I feel like I'm going
to have a bigger impactbecause I want to, I want to be,
you know, I'm offering mycourses out, anybody can take them,
right.
I have coaching, I have allthese things that I'm doing public
speaking to teach people about finances.
I'm doing all these things tohave a bigger impact and a broader
(08:25):
impact to help more people andmaybe people that, that aren't eligible
so to speak for traditionalfinancial planning.
So what did make you make thatLeap, you know, to financial education.
Yeah.
So I left a corporate jobwhere I was, I was a senior financial
planner in a, in a succession role.
(08:46):
And I left that job and forother reasons.
But when I was looking atgoing back into like, what was my
next step and I was looking atopening my own firm again because
I had opened my own firmpreviously and I kept thinking, like,
who do I really want to serve?
Like who do I want my targetclient to be?
(09:06):
And I, I decided that I wantedmy target client to be who I was
10 to 15 years ago.
Right.
I was the woman who had justgot gotten divorced and who was talking
to my husband's financialadvisor who kept telling me I needed
to talk to my accountant.
I was talking to my accountantwho was telling me I needed to talk
(09:27):
to my financial advisor.
They wouldn't talk to each other.
Right.
It was, and it was like, Idon't know who to go to.
I don't know where to go.
I don't have a lot of money.
Like some people that I wouldtalk to like, oh, we only work with
people that have this much money.
Like, I don't have that muchmoney, but I have no idea what to
do.
Like somebody needs to help mewhat to do.
So finally I found an advisorand I actually found a place that
(09:47):
had advisors and accountantsunder the same roof thinking like,
oh, they're going to talk toeach other.
But here's what happened.
They sold me a shares and theysold me an annuity.
So they made a big commissionoff of me.
And, and then they didn't.
Their, their advisors were nottalking to their accountants.
So like I still had to saylike, hey, what.
I mean, when I brought it totheir attention then there was communication
(10:11):
and they would at least then,but it wasn't like it was happening.
So, so I think back to thattime and knowing now what I know,
after having worked in severaldifferent types of financial services
seats, you know, that's,that's why I was, I decided that
(10:31):
I wanted to just try educationand see if I could make a big impact.
And rather than going backinto advising and help the people
that like that were in thatseat that I was.
In, you know, and it's, Ithink that it's so important to be
able to educate people becauseit's, it's and be able to find and
(10:55):
help people ask the question,the right questions that will help
them.
And without, you know, withoutthat stigma of being sold or a commission,
so to speak, tied to it, butthey can, they can actually get help,
(11:16):
and they can understand, youknow, and become.
Become better acquainted withfinances and money.
Yeah, absolutely.
And it's a.
So it's a learning platform.
Whether they work with me as acoach or they just take my courses,
it's a platform for them tolearn about it so that if they do
(11:37):
end up going to a financialadvisor, that they know what questions
to ask, they're informed, youknow, they can ask educated questions
and.
And not just be takenadvantage of.
Right.
And I don't mean.
I don't.
I'm not meaning to talk badabout financial advisors or planners.
It's just like with anyprofession, you know, there's bad
(11:57):
lawyers, there's good lawyers,there's bad real estate agents, there's
good real estate agents.
There's, you know, there's.
There's good and bad in everything.
But if they understand thedifferent ways that financial advisors
can get paid and theyunderstand the different models and
they can ask good questionsabout that, so they can understand,
like, are they being sold aproduct or are they really acting
in their best interest?
Like, and how do you determine that?
(12:19):
What are the things that playinto that?
So teaching them about that,but then also about the way money
works.
So that when they're.
When a planner or an advisoris telling them, like, hey, this
is what we should do, thatthey actually understand what they're
talking about.
Like, not just like, okay, youjust do it.
It's important that youunderstand what's going on.
Right.
You know, and that's, youknow, and I think that's.
(12:41):
Having that key realizationreally helps so many people feel
more comfortable.
Right.
When, you know, because they,you know, it takes.
It takes away some of that fear.
Absolutely.
Yeah.
The fear of the unknown is thebiggest thing.
And once you.
Once you know it, I thinkthat's a huge part of it.
(13:02):
Right?
It's a huge part of,especially women, midlife.
Right.
It's a huge part of the factthat they.
They grew up not ever talkingabout money.
It was something that mentalked about, but women didn't talk
about.
It wasn't talked about intheir families.
There was no ed.
Formal education.
So so many people, my friends,my peers, are.
Are like, I know I should knowmore by now, or I feel like I'm behind,
(13:25):
or I have no idea what's going on.
My husband takes care of it all.
Well, listen, ladies, you needto know this stuff, and it's really
not that hard.
And I'm there as a safe placefor you to show up full, authentic
self.
Start where you are.
I don't care how much youdon't know.
Think of it as like it's yourfirst day ever knowing that money
(13:46):
existed.
Right?
I don't care.
Show up how you are, and we'regoing to learn about it.
And it's going to.
I'm going to hopefully walkyou through it and make it easy for
you.
Be there to ask, you know, toanswer any questions you have.
No judgment, no lectures,like, just, let's figure it out.
Do you see that there's adifference in age with money?
(14:09):
Oh, definitely, yeah.
Different generations.
And I don't like tonecessarily stereotype the generations,
but there are, you know,common threads that you see throughout
them.
You know, baby boomers saved alot because they grew up in a different
time period where they were,know, stretched more for money.
(14:30):
The Gen X, which is mygeneration, you know, we grew up
just living, like, paycheck topaycheck, you know, drinking out
of garden hoses and runningaround after, like, just, you know,
figuring things out, justfiguring it out as we went.
And I think that's kind of howour lives went.
And then now we're stilltaking care of children and our.
(14:52):
It's taking longer for ourchildren to move out because it's
way too expensive for them toget their own places.
And then we're also takingcare of elderly parents at the same
time.
So we've got these extraexpenses that our parents never had,
and we didn't save very wellto begin with because we were never
taught how to.
And we were always justfiguring it out as we went.
Right then you have themillennials, which a lot of them
(15:15):
now, when they're.
A lot of them, and.
And when they get married,keep their money separate even though
they're married.
And they have this whole otherset of problems that come along with
that.
They relieved some of theother issues that maybe they saw
with their parents that theythought they were going to relieve.
But now they have a differentset of issues because they're trying
to keep things separate.
And people feel like they'reliving different lives.
And it's like, you know,trying to figure that there's just
(15:38):
so much.
And then I think Gen Z is theone that's really stepping up and
saying, I'm going to putmyself first.
They're like the firstgeneration to say, like, I'm first,
like, I'm going to figure this out.
I'm going to make sure I'mtaking good care of myself.
So I don't know.
That was a lot.
But I do see themes.
No, it's true.
(15:59):
But.
But I think it's reallyinteresting because, you know, I
see even with, like, how.
How I was and how.
How I am educating with.
With our.
With my kids and how myhusband and I are educating with
our kids, and there's, There's.
There is a, There was a.
There's a gap in how weeducate our, our kids as they're
(16:24):
growing up and how we talkabout money.
It's.
It's very different.
It's.
It is really, really different.
And having, to me, it's,again, teaching them, like, where
does it come from?
Not that we obviously knowwhere it comes from.
We have to work.
But then like, little thingslike, you know, and I know this is
going to sound kind of silly,but, you know, the other day it was
(16:47):
like setting.
Helping my dad or my daughterset up an account online.
It.
I took, I just took it forgranted that she could figure that
out because.
But I walked her through.
You know what I mean?
So it's like little things.
It's like, you know, but it istrue, like, that there's that huge
difference.
And, and so when you'reworking with your clients, like,
(17:13):
how do you help them get overthat stigma?
And I think this is kind of abig thing like, that I didn't do
enough.
Well, the big part of it isletting them know that they're, that
they're, they're not alone.
Like, that is.
That's a huge thing that a lotof us didn't do enough.
(17:33):
Me included.
Right.
Like I said, I didn't start myfinancial services career till I
was 50.
So there's a lot of thingsthat I did wrong.
Right.
There's a lot of things that Iwould go back and do differently.
And I wish that I had become afinancial advisor a lot sooner because
I would be a lot better off.
But, but really, you're not alone.
And, and, and you're behind,but you're behind for reasons that
(17:55):
you were never taught how tonot be behind.
You were never taught what todo, or you had circumstances in your
life that put you behind thatwere out of your control or even
so maybe it was you that.
That caused you to be behind.
But you know what?
Today's the first day of therest of your life, so let's figure
it out.
Yeah, but a lot of what I dois more than just teaching finance
and talking to people abouttheir finances or even just money
(18:17):
coaching, like, talking about,like, where their money's going.
What's happening is I Get Iget them to look inside of them to
understand their moneypersonality, why they do the things
they do with money, to startrecognizing when they're doing the
things they're doing with money.
You know, the emotions that gointo it when they feel bad, when
they're spending money, whendo they feel good?
(18:37):
When they're spending money.
Right.
And then also if you are,there's different money personalities.
I have a, you know, a quizthat helps you figure out what your
money personality is.
And I talk about.
There's no wrong money personality.
Right.
You just have to know whatyours is and then understand how
to work with it.
So you understand how to workwith your money personality and give
(18:59):
more intention to what you'redoing with your money.
And we talk about, like, Ihave a money mindset course too,
and.
But I also weave money mindsetin throughout all the other things.
Like, why are you tellingyourself the stories you're telling
yourself?
What did you grow up with?
What are your money stories that.
That you learned that youdon't even know that.
You know, I'm still learningstuff about my own money personality
(19:20):
and stories, even though I'vebeen doing this for a while.
Right.
So I'm still learning that.
So it's all about, like,really in introspection into your
relationship with money.
Yep.
So how do you tie moneymindset and success together?
So I think you have to have the.
(19:41):
The tactical and knowledge ofmoney, you.
And then you also have to havethe mindset and awareness.
So you have to have both.
You can't just have one.
Like, you can't just manifestmoney and just sit there and think
about money and imagine it.
You actually have to do thingsat the same time.
(20:01):
Right.
It's.
So it's the combination of thetwo things, you know, just wishing
something to be there or.
Or what.
You know, visualizing it isone thing, but knowing what you're
supposed to do is the otherpart of it.
And so if you could givesomebody, like, the top five tips
(20:29):
to help them, you know, doboth the mindset and the tactical,
what would it.
What would they be?
5.
Okay, let's see if I can.
I was gonna be like five.
Like the top five.
The top five best things.
So I would say the first thingis, is to start well to take my quiz
(20:50):
and figure out your money personality.
There you go.
Take the quiz, listeners.
Take the quiz and figure outyour money personality.
Because that's.
That is key.
Like, even if nothing afterthat with me, like, just take the
quiz and just get a An inklingof understanding of.
Of what your money personality is.
Then start paying attention tohow you feel about money, your emotions
around money, and when youfeel good and when you feel bad about
(21:13):
money, because sometimes youfeel good about something you're
doing with money and thenlater you feel bad about it and you're
like, oh, I shouldn't havedone that.
Right?
So tapping into your emotionsand really thinking about that at
the same time, you have tounderstand what's coming and going,
right?
What's your cash flow really?
Like, what's coming in, what'sgoing out?
(21:34):
You have to really understand that.
And part of that is.
Is the.
This is a nasty word now,budgeting, right?
But it's not budgeting.
It's just understanding it.
And one of my, one of mycourses in my theme concept is me
money.
And it's putting yourself as aline item on your budget.
And you can do that withoutactually even doing the bud.
(21:58):
So.
And that's part of helping youto understand and put intention around
the way you spend your money.
So I think I'm at 4 now, right?
So I'm at.
I'm at.
Take my quiz and understandyour money personality.
Whether it's my quiz orsomeone else's, figure out what your
money personality is.
(22:18):
And then what was the next oneI said?
Well, you said the money.
Know your emotions around money.
Understand your cash flow,what's coming and what's going.
Understand it.
Know what you really havecoming in.
Not your salary, not what, youknow, I make such and such a year.
No.
What is your actual paycheckthat's going into your bank account?
How much is that?
(22:39):
And what's coming and goingfrom there?
And what's going into yoursavings, right?
What are you saving for the future?
So that.
And then I would say the fifthone is, is just being more intentional
than with what you're doing.
Like, think about consciously,like, is this worthy of my money?
Right?
Is this worthy of me buyingthis thing now or doing this thing
(23:02):
now?
Or would I rather, would I bebetter off saving it for something
that I might appreciate more later?
I think that's actually a huge thing.
It's like, it's like you haveto value.
Like, is it really.
Is it a need or is it a want?
Right?
Is like, do you really need it?
Is it going to change how youdo something or do you just want
(23:26):
to have it?
So it is.
So there is the need and thewant that.
Right?
That's a, that's a big thing.
And that's what traditionalbudgeting kind of teaches is your
needs and wants.
But this is where my me moneyconcept comes in.
And this is all about your wants.
This is all about you.
So if you allow yourself an aline item on your budget that says,
(23:48):
this is what I'm allowed tospend on me and solely for me, and
I don't have to answer toanybody, even myself, the money's
already there.
Yeah, that.
Give that.
That piece alone will help youunderstand your money personality
and help you have intention.
So it'll all be air willalready cut off, like, pieces of
those five things that I saidthat you should do.
So.
(24:09):
So let me tell you about theme money, if that's okay.
Do you mind me moving on to that?
So me money started with meand with me and my husband.
So blended marriage, second.
Both second marriages for bothof us.
And he was going and doing allthese things, and I. I tried to explain
(24:30):
to him, like, what he wasspending, and he was like, oh, it
doesn't cost that much.
Like, I'm going fishing withthe guys.
It's just a cabin.
I'm like, you got a cabin, yougot gas, you got a boat, you got
licenses, you got a trailer.
And I'm like, you're not.
You're not putting out onechunk of money where you're like,
hey, I'm putting this.
This money towards thisvacation is pieces over time.
So you're not realizing howmuch it's all adding up.
(24:51):
So I said, I'm going to putyou on a budget, and I'm going to
give you this certain amountof money, and you can only spend
this certain amount of moneyon yourself.
Anything that is just solelyfor you.
You get to use this bucket ofmoney for, like, every payday.
You're going to put it into aseparate bank account.
And then when you want to saveup for your trip, like, everything
that goes for your trip isgoing to have to come out of this
(25:13):
money.
So, you know, you have to makesure that you have enough to spend
later.
It seems like very simple, right?
Simple concept.
And he's like, okay, that's fine.
He's like, but are you going to.
Are you going to do it foryou, too?
Are you going to give yourselfan allowance?
I said.
I said, yeah, I'll do it.
I'll do the same thing.
I'll give myself the same amount.
Like, we live under the same roof.
(25:34):
We have the same lifestyle.
I'll give myself the sameexact amount.
Doesn't matter who.
Who makes more money or whatever.
Like, same Amount.
You get this, I get that.
We'll open separate bank accounts.
So I.
We open separate checkingaccounts, separate savings accounts,
so that if we weren't spendingat all, we could move it into the
savings account for later.
So what happened was, as Iwaited, like, I don't know, a month
(25:55):
or so, and I asked him, I'mlike, how's it going?
Because I was actually kind ofconcerned that he was gonna be like,
this is really restrictive, oryou're being.
My wife is so controlling,which I'm not.
But.
But he wasn't.
He was.
He said, it's fine.
And I was like, what does fine mean?
He said, well, I'm just makingbetter choices.
It's like, oh, tell me, tellme about the better choices.
Because really, the wholepoint was just for him to understand
(26:17):
how much money he was spending.
So now he's saying he's makingbetter choices.
So he said, like, he went tobuy a golf shirt, and he was like,
I don't really need this golf shirt.
I've got a ton of golf shirtsin my closet.
He's like, I'd rather savethis money that I would spend on
this golf shirt and put ittowards a golf trip later.
So he didn't buy the golf shirt.
And I said, well, would youhave bought the golf shirt if I didn't
(26:38):
give you this.
This bucket of money to giveyou your allowance?
And he said, yeah, I probablywould have bought it, and I probably
would also spent the money onthe trip later.
So making better choices.
He didn't need it.
Here's your need and want, butreframed, because it wasn't about
need, or do I need this, or doI want this?
Because obviously it's a want.
It was just like, can I, orwould I rather do something else?
(26:59):
So valuing that.
Okay, so then flip the tableto me.
And I'm the one who alwayssaid, I can't afford to go on a girls
trip.
I need to be saving.
I need to be putting money infor retirement.
I need to be putting money inmy emergency fund.
I need to be.
And so every time, I'm notsaying I didn't spend money on myself,
because I did, but every timeI did, I would feel guilty about
(27:20):
it.
Like, I shouldn't have donethat, right?
So now I have this money setaside and it's in my account, and
I'm.
I'm saving it, and I'm not,because I'm not spending it all.
And I'm like, someday I'mgoing to go on A girls trip.
And, and what happened was, isI was sitting there with these little
sample packets of this facestuff that I got from this face that
does facials.
(27:41):
And I'm like, you know,sparingly using this stuff.
And I'm like, this is so amazing.
It feels so great.
And I'm like, I would neverbuy, I would never buy this for myself.
And I'm like, wait a minute, Ihave money already set aside for
me.
Why don't I, why don't I do this?
And so I did.
I bought the whole thing.
I bought the daytime, thenighttime, about the.
(28:03):
And my face feels amazing.
And by the way, those youngdermatologists told me just the other
day, well, your, your skin is,is great.
I'm like, thank you.
But anyway, the point is, isthat I never would have bought that
for myself.
Now I'm not saying I wasn'tspending money on myself.
What I'm saying is, is that Iprobably could justify ten things
for ten dollars, right?
(28:24):
A hundred dollars ten times orten, ten dollars, ten times for a
hundred bucks.
But I might not have justifiedthe one thing for a hundred dollars,
right?
So it was just my mindset inthe way I, and I, the way I worked
with money, part of my moneypersonality as a saver.
You know, I like a good deal,10 bucks here, 10 bucks there, but
I wouldn't spend more.
(28:46):
So it gave more intention tome and allowed me, gave me permission
to spend money on myself.
So for him, it made him makebetter choices.
For me.
I'm also making better choicesbecause I'm not buying ten things
for ten bucks.
I'm waiting, getting the one Ireally want for 100 bucks.
But it took out the guilt.
Yeah.
So it took out the guilt forme and for him.
(29:07):
It just gave him like morethought process to like what he's
spending his money on.
And it was amazing.
So then I started having otherpeople do this too.
And I found that it works foralmost any money personality.
And it works if you're single too.
It doesn't have to be a couplebecause it just, it allows you, no
matter what your personalityis, it gives you that intention.
(29:30):
So it can give you the, thepermission to not have to answer
to yourself or it can give youthe, the, the intention to be more
mindful of what you'respending your money on.
Yeah, I absolutely love that.
I like that mean money.
It's really, really good.
I think it's really important.
And, and I, and I say that,you know, it's, it's probably Something
(29:50):
I will probably, you know, do something.
I, I do something and talk tomy daughter about it because she
went and bought, she put inher in the cart for Amazon a toothpaste
squeezer.
And I called her and I said,actually, I text her.
(30:12):
I was like, you can take thatout of your.
And return that from Amazonright now.
I said, if you do not have thearm strength to squeeze your own
toothpaste, we have a problem.
I don't care what you're usingit for.
It is not worth it.
Laughs let's talk about money.
(30:33):
Too funny now.
Okay, so here's the thing though.
If she had money that she knewshe could spend on herself, right?
There's two things that might happen.
She might be like, Iabsolutely want that toothpaste squeezer.
That's important to me.
I don't like it when I'mtrying to squeeze my toothpaste is
going backwards or whatever, right.
And she might, I'm going tospend my money on that.
(30:54):
That might be something that'simportant to her, but she also might
be like, I'm not going towaste my money on that thing.
I'd rather have it something else.
So it would make her, like,think about her decision in a completely
different way, right?
Oh, yeah, yeah, we've talkedabout it.
I'm like, okay, you've gotthis amount.
You can spend this.
You decide.
(31:15):
It's not unlimited, Right?
But it's true.
But we, But I think the keything, what I love about this, the
me money for women.
There is a huge amount ofguilt when we, when even if it's
our, even if we're making themoney ourselves about what we spend
(31:35):
on ourselves.
Right.
It's time to stop puttingourselves last.
Yeah.
So I really, really love that.
And I think it's, it's, it's.
Yeah.
We have to stop puttingourselves last and know that we.
There is a value to us.
(31:57):
Absolutely.
Absolutely.
I absolutely love this.
So Linda, how, how can peoplelearn more about what you're doing?
Your me money.
Take your quiz.
Where can they go?
They go to my website and thenthey can find my social media everything
there.
And there's the quizzes are onthe resources page page, but the
website is Lindag.com so L IN-D A G R I Z dot com.
(32:25):
I left off the last lettersbecause nobody ever spells it right.
So I figured just make it easier.
And then on the resourcespage, there's the personality quiz,
a confidence quiz, and a bunchof other freebie downloads that they
can, that they can have thatcan help them with their finances
and they can find informationabout my courses and my coaching
and stuff on there too.
I absolutely love it.
So listeners, please do me thefavor and go and connect with Linda.
(32:48):
I will put the link in theshow notes to this, but what you
were doing, Linda, is reallyremarkable because people do need
to be better educated on money.
And I again and I love the me money.
So again listeners, subscribe,share this with your friends and
(33:09):
colleagues and go over toLinda's website and take the money
quiz.
I'm going to go over there tooand take it because I'm curious like
what my personality test is onthat because now I got to know and.
Just remember there's no wrong answer.
It's just about understanding yourself.
So I'm going to take that andthen again hit subscribe, share and
(33:30):
connect with Linda.
And Linda, thank you so muchfor being a guest on the Unstoppable
Success because this is wheresuccess happens.
So thank you so much and thankyou listeners for listening and and
sharing the episode.
Well, hello everybody andwelcome to another amazing episode
of Unstoppable Success, thepodcast where we hear from amazing
leaders, insightfulindividuals who have had their own
unstoppable success and theyget to share their tips, their wisdoms
and insights so that you canbe unstoppable in your own success.
And today I would love towelcome to the podcast I Linda Grizzly.
(01:06):
Let me tell you a little bitabout Linda because she, my God,
she's done so many amazingthings, but she does and what she
is doing is absolutely fantastic.
So she is just, you know, aresults oriented leader with six
years of experience infinancial services and has a strong
foundation in executiveleadership, team development and
organizational strategy acrossmultiple industries.
(01:29):
She is adept at leading highperforming advisor teams, driving
business growth and enhancingclient experience, experience through
people first, leadership andoperational excellence.
And she has a amazing insightinto helping women with financial
success and others individualswith financial success, which is
(01:51):
one of the key things tohaving and being unstoppable.
So welcome Linda.
Thank you.
That was a lovely introductionand I'm so glad to be here.
I'm looking forward to this conversation.
So, okay, so Linda, I kind of,this is one of these kind of odd
questions, you know, did youwake up when you were 8 years old
(02:14):
and decide I want to be afinancial planner and advisor?
No, I woke up when I was, ohmy gosh, probably 50 years old and
decided I wanted to be afinancial planner or advisor.
It took me a long time to get there.
But yeah, I did wake up oneday and decide that's what I wanted
to do.
(02:34):
And I had a, I had a goodcareer in that.
And then now I'm doingfinancial education, not doing planning
or advising directly, buthelping people bridge the gap.
Like the people who are likeafraid to go to a financial advisor
because they feel like they'rejust going to get sold something
or feel like they don't haveenough, feel like they're behind,
you know, maybe can't, maybecan't afford to pay for a fee only
(02:58):
advisor and they just want aplace to go to learn about it or
maybe they just want to do it themselves.
So providing a space for thatis where I'm at now.
But yeah, I just woke up oneday and decided, I mean there's a
lot more to this story.
But, but, but speaking ofthat, like what made you go into
it and then, you know,because, you know, to back up, it's
(03:20):
like it's one of thoseindustries where I feel like, you
know, had I, like maybe had Iknown or like it's like not one of
those things.
You wake up every day and you.
Then you think, I want to be afinancial advisor.
And I'll be honest to say,like when I, when I first moved,
when I was first in Boston, Iworked at a radio station and one
of my clients was Ameriprise.
(03:42):
And I helped them bring onfinancial advisors.
And no offense to Ameripriseor anything like that, but that organization
there was a creepiness to melike, about it, like how they made
people work and like the work ethic.
And I.
So but yet fast forward, Ithink, I think it's a phenomenal
profession.
(04:02):
And so what made you jump into it?
So I'll tell you my storyfirst and then there's some stuff
to unpack from what you justsaid too.
But let's start with my story.
So I actually.
So I was at a, I was at aturning point in my life and I needed
to step away from a job thatwas not a good place to work.
(04:26):
And I didn't even have abachelor's degree yet, right.
So I took this leap of faithand really just stepped down from
this role.
It was leading a small non forprofit and I stepped down from that
role and went back to schoolbecause I wanted to do something
bigger.
I wanted to have a bigger impact.
(04:46):
I wanted to make more money, Iwanted to do just grow, right.
So I went back to school toget my bachelor's degree and then
I was, as I was doing that, Iwas, you know, stacking my resume
with other certifications and things.
And I started this coursecalled the Chartered Advisor in Philanthropy
(05:08):
course.
And it's through the AmericanCollege of Financial Services.
It's like the biggest mouthfulof a name of everything I could ever
tell you, but CharteredAdvisor in Philanthropy, American
College of Financial Services.
So the philanthropy partserved the non profit world that
I was, I was trying to grow inand trying to make a bigger impact
in.
Right.
Because I really wanted tohelp people.
(05:29):
And this, this designationteaches you about like legacy planning
for high or early people withhigh, not necessarily even high earners,
but people with a lot of money.
Right.
So it's legacy planning.
It's like the charitabletrusts and the, you know, leaving
your beach house to someoneand all this stuff, right?
So it's big numbers and it's.
(05:52):
Yeah.
And it's, it's, it's reallyhigh level planning.
And so with that as a non forprofit, like you're talking about
like donations to maybeuniversities or hospitals, like big
planning.
So that's that's the kind ofeducation I was getting right As
I was looking for, looking forthis not for profit job, but really
(06:13):
it served financial advisorsand planners that were doing, working
with ultra high net worthclients as well as tax advisors.
Right.
So there were different peoplein the class that were from all these
different worlds at the same time.
I put that financial AmericanCollege of Financial services on
my LinkedIn profile andimmediately I started getting the
(06:35):
phone calls about hey, do youwant to come work for us?
And have you ever thought of acareer in financial services?
And, and the more I went downthe road of looking for a role at
a non for profit, I.
There's not a lot of the typeof jobs that I wanted, right.
Especially where I am becauseI'm not in a major city, I'm, I'm
(06:55):
on the far suburbs.
But I started to think aboutit and going through these courses,
I was like, I could reallyhelp a lot of people through financial
advising or financial planning.
That's some way that I couldhelp people and I could really make
a big difference.
And if I got to do high levelplanning and gift advising and things
like that, that'd be, that'dbe great too.
So that is the story about howI ended up deciding on going into
(07:20):
financial services.
But I love that though,because you're, because it's, it's,
you know, not everybody wakesup one day obviously, right, and
decides I'm going to go into this.
And I mean a lot of people whodo, who do that maybe have the family
who has, they've, they've comefrom a family of financial advisors
or, or they've somehow wereintroduced, introduced to that field
(07:43):
and it's become something andso they know it.
So it's great that you can't,you learned about it, but through
something that was, thatresonated with your heart.
Yeah, yeah, absolutely.
And I have helped a lot of people.
I mean I've helped people withfinancial planning and I've done,
you know, a lot of workhelping people.
(08:04):
But now doing financialeducation, I feel like I'm going
to have a bigger impactbecause I want to, I want to be,
you know, I'm offering mycourses out, anybody can take them,
right.
I have coaching, I have allthese things that I'm doing public
speaking to teach people about finances.
I'm doing all these things tohave a bigger impact and a broader
(08:25):
impact to help more people andmaybe people that, that aren't eligible
so to speak for traditionalfinancial planning.
So what did make you make thatLeap, you know, to financial education.
Yeah.
So I left a corporate jobwhere I was, I was a senior financial
planner in a, in a succession role.
(08:46):
And I left that job and forother reasons.
But when I was looking atgoing back into like, what was my
next step and I was looking atopening my own firm again because
I had opened my own firmpreviously and I kept thinking, like,
who do I really want to serve?
Like who do I want my targetclient to be?
(09:06):
And I, I decided that I wantedmy target client to be who I was
10 to 15 years ago.
Right.
I was the woman who had justgot gotten divorced and who was talking
to my husband's financialadvisor who kept telling me I needed
to talk to my accountant.
I was talking to my accountantwho was telling me I needed to talk
(09:27):
to my financial advisor.
They wouldn't talk to each other.
Right.
It was, and it was like, Idon't know who to go to.
I don't know where to go.
I don't have a lot of money.
Like some people that I wouldtalk to like, oh, we only work with
people that have this much money.
Like, I don't have that muchmoney, but I have no idea what to
do.
Like somebody needs to help mewhat to do.
So finally I found an advisorand I actually found a place that
(09:47):
had advisors and accountantsunder the same roof thinking like,
oh, they're going to talk toeach other.
But here's what happened.
They sold me a shares and theysold me an annuity.
So they made a big commissionoff of me.
And, and then they didn't.
Their, their advisors were nottalking to their accountants.
So like I still had to saylike, hey, what.
I mean, when I brought it totheir attention then there was communication
(10:11):
and they would at least then,but it wasn't like it was happening.
So, so I think back to thattime and knowing now what I know,
after having worked in severaldifferent types of financial services
seats, you know, that's,that's why I was, I decided that
(10:31):
I wanted to just try educationand see if I could make a big impact.
And rather than going backinto advising and help the people
that like that were in thatseat that I was.
In, you know, and it's, Ithink that it's so important to be
able to educate people becauseit's, it's and be able to find and
(10:55):
help people ask the question,the right questions that will help
them.
And without, you know, withoutthat stigma of being sold or a commission,
so to speak, tied to it, butthey can, they can actually get help,
(11:16):
and they can understand, youknow, and become.
Become better acquainted withfinances and money.
Yeah, absolutely.
And it's a.
So it's a learning platform.
Whether they work with me as acoach or they just take my courses,
it's a platform for them tolearn about it so that if they do
(11:37):
end up going to a financialadvisor, that they know what questions
to ask, they're informed, youknow, they can ask educated questions
and.
And not just be takenadvantage of.
Right.
And I don't mean.
I don't.
I'm not meaning to talk badabout financial advisors or planners.
It's just like with anyprofession, you know, there's bad
(11:57):
lawyers, there's good lawyers,there's bad real estate agents, there's
good real estate agents.
There's, you know, there's.
There's good and bad in everything.
But if they understand thedifferent ways that financial advisors
can get paid and theyunderstand the different models and
they can ask good questionsabout that, so they can understand,
like, are they being sold aproduct or are they really acting
in their best interest?
Like, and how do you determine that?
(12:19):
What are the things that playinto that?
So teaching them about that,but then also about the way money
works.
So that when they're.
When a planner or an advisoris telling them, like, hey, this
is what we should do, thatthey actually understand what they're
talking about.
Like, not just like, okay, youjust do it.
It's important that youunderstand what's going on.
Right.
You know, and that's, youknow, and I think that's.
(12:41):
Having that key realizationreally helps so many people feel
more comfortable.
Right.
When, you know, because they,you know, it takes.
It takes away some of that fear.
Absolutely.
Yeah.
The fear of the unknown is thebiggest thing.
And once you.
Once you know it, I thinkthat's a huge part of it.
(13:02):
Right?
It's a huge part of,especially women, midlife.
Right.
It's a huge part of the factthat they.
They grew up not ever talkingabout money.
It was something that mentalked about, but women didn't talk
about.
It wasn't talked about intheir families.
There was no ed.
Formal education.
So so many people, my friends,my peers, are.
Are like, I know I should knowmore by now, or I feel like I'm behind,
(13:25):
or I have no idea what's going on.
My husband takes care of it all.
Well, listen, ladies, you needto know this stuff, and it's really
not that hard.
And I'm there as a safe placefor you to show up full, authentic
self.
Start where you are.
I don't care how much youdon't know.
Think of it as like it's yourfirst day ever knowing that money
(13:46):
existed.
Right?
I don't care.
Show up how you are, and we'regoing to learn about it.
And it's going to.
I'm going to hopefully walkyou through it and make it easy for
you.
Be there to ask, you know, toanswer any questions you have.
No judgment, no lectures,like, just, let's figure it out.
Do you see that there's adifference in age with money?
(14:09):
Oh, definitely, yeah.
Different generations.
And I don't like tonecessarily stereotype the generations,
but there are, you know,common threads that you see throughout
them.
You know, baby boomers saved alot because they grew up in a different
time period where they were,know, stretched more for money.
(14:30):
The Gen X, which is mygeneration, you know, we grew up
just living, like, paycheck topaycheck, you know, drinking out
of garden hoses and runningaround after, like, just, you know,
figuring things out, justfiguring it out as we went.
And I think that's kind of howour lives went.
And then now we're stilltaking care of children and our.
(14:52):
It's taking longer for ourchildren to move out because it's
way too expensive for them toget their own places.
And then we're also takingcare of elderly parents at the same
time.
So we've got these extraexpenses that our parents never had,
and we didn't save very wellto begin with because we were never
taught how to.
And we were always justfiguring it out as we went.
Right then you have themillennials, which a lot of them
(15:15):
now, when they're.
A lot of them, and.
And when they get married,keep their money separate even though
they're married.
And they have this whole otherset of problems that come along with
that.
They relieved some of theother issues that maybe they saw
with their parents that theythought they were going to relieve.
But now they have a differentset of issues because they're trying
to keep things separate.
And people feel like they'reliving different lives.
And it's like, you know,trying to figure that there's just
(15:38):
so much.
And then I think Gen Z is theone that's really stepping up and
saying, I'm going to putmyself first.
They're like the firstgeneration to say, like, I'm first,
like, I'm going to figure this out.
I'm going to make sure I'mtaking good care of myself.
So I don't know.
That was a lot.
But I do see themes.
No, it's true.
(15:59):
But.
But I think it's reallyinteresting because, you know, I
see even with, like, how.
How I was and how.
How I am educating with.
With our.
With my kids and how myhusband and I are educating with
our kids, and there's, There's.
There is a, There was a.
There's a gap in how weeducate our, our kids as they're
(16:24):
growing up and how we talkabout money.
It's.
It's very different.
It's.
It is really, really different.
And having, to me, it's,again, teaching them, like, where
does it come from?
Not that we obviously knowwhere it comes from.
We have to work.
But then like, little thingslike, you know, and I know this is
going to sound kind of silly,but, you know, the other day it was
(16:47):
like setting.
Helping my dad or my daughterset up an account online.
It.
I took, I just took it forgranted that she could figure that
out because.
But I walked her through.
You know what I mean?
So it's like little things.
It's like, you know, but it istrue, like, that there's that huge
difference.
And, and so when you'reworking with your clients, like,
(17:13):
how do you help them get overthat stigma?
And I think this is kind of abig thing like, that I didn't do
enough.
Well, the big part of it isletting them know that they're, that
they're, they're not alone.
Like, that is.
That's a huge thing that a lotof us didn't do enough.
(17:33):
Me included.
Right.
Like I said, I didn't start myfinancial services career till I
was 50.
So there's a lot of thingsthat I did wrong.
Right.
There's a lot of things that Iwould go back and do differently.
And I wish that I had become afinancial advisor a lot sooner because
I would be a lot better off.
But, but really, you're not alone.
And, and, and you're behind,but you're behind for reasons that
(17:55):
you were never taught how tonot be behind.
You were never taught what todo, or you had circumstances in your
life that put you behind thatwere out of your control or even
so maybe it was you that.
That caused you to be behind.
But you know what?
Today's the first day of therest of your life, so let's figure
it out.
Yeah, but a lot of what I dois more than just teaching finance
and talking to people abouttheir finances or even just money
(18:17):
coaching, like, talking about,like, where their money's going.
What's happening is I Get Iget them to look inside of them to
understand their moneypersonality, why they do the things
they do with money, to startrecognizing when they're doing the
things they're doing with money.
You know, the emotions that gointo it when they feel bad, when
they're spending money, whendo they feel good?
(18:37):
When they're spending money.
Right.
And then also if you are,there's different money personalities.
I have a, you know, a quizthat helps you figure out what your
money personality is.
And I talk about.
There's no wrong money personality.
Right.
You just have to know whatyours is and then understand how
to work with it.
So you understand how to workwith your money personality and give
(18:59):
more intention to what you'redoing with your money.
And we talk about, like, Ihave a money mindset course too,
and.
But I also weave money mindsetin throughout all the other things.
Like, why are you tellingyourself the stories you're telling
yourself?
What did you grow up with?
What are your money stories that.
That you learned that youdon't even know that.
You know, I'm still learningstuff about my own money personality
(19:20):
and stories, even though I'vebeen doing this for a while.
Right.
So I'm still learning that.
So it's all about, like,really in introspection into your
relationship with money.
Yep.
So how do you tie moneymindset and success together?
So I think you have to have the.
(19:41):
The tactical and knowledge ofmoney, you.
And then you also have to havethe mindset and awareness.
So you have to have both.
You can't just have one.
Like, you can't just manifestmoney and just sit there and think
about money and imagine it.
You actually have to do thingsat the same time.
(20:01):
Right.
It's.
So it's the combination of thetwo things, you know, just wishing
something to be there or.
Or what.
You know, visualizing it isone thing, but knowing what you're
supposed to do is the otherpart of it.
And so if you could givesomebody, like, the top five tips
(20:29):
to help them, you know, doboth the mindset and the tactical,
what would it.
What would they be?
5.
Okay, let's see if I can.
I was gonna be like five.
Like the top five.
The top five best things.
So I would say the first thingis, is to start well to take my quiz
(20:50):
and figure out your money personality.
There you go.
Take the quiz, listeners.
Take the quiz and figure outyour money personality.
Because that's.
That is key.
Like, even if nothing afterthat with me, like, just take the
quiz and just get a An inklingof understanding of.
Of what your money personality is.
Then start paying attention tohow you feel about money, your emotions
around money, and when youfeel good and when you feel bad about
(21:13):
money, because sometimes youfeel good about something you're
doing with money and thenlater you feel bad about it and you're
like, oh, I shouldn't havedone that.
Right?
So tapping into your emotionsand really thinking about that at
the same time, you have tounderstand what's coming and going,
right?
What's your cash flow really?
Like, what's coming in, what'sgoing out?
(21:34):
You have to really understand that.
And part of that is.
Is the.
This is a nasty word now,budgeting, right?
But it's not budgeting.
It's just understanding it.
And one of my, one of mycourses in my theme concept is me
money.
And it's putting yourself as aline item on your budget.
And you can do that withoutactually even doing the bud.
(21:58):
So.
And that's part of helping youto understand and put intention around
the way you spend your money.
So I think I'm at 4 now, right?
So I'm at.
I'm at.
Take my quiz and understandyour money personality.
Whether it's my quiz orsomeone else's, figure out what your
money personality is.
(22:18):
And then what was the next oneI said?
Well, you said the money.
Know your emotions around money.
Understand your cash flow,what's coming and what's going.
Understand it.
Know what you really havecoming in.
Not your salary, not what, youknow, I make such and such a year.
No.
What is your actual paycheckthat's going into your bank account?
How much is that?
(22:39):
And what's coming and goingfrom there?
And what's going into yoursavings, right?
What are you saving for the future?
So that.
And then I would say the fifthone is, is just being more intentional
than with what you're doing.
Like, think about consciously,like, is this worthy of my money?
Right?
Is this worthy of me buyingthis thing now or doing this thing
(23:02):
now?
Or would I rather, would I bebetter off saving it for something
that I might appreciate more later?
I think that's actually a huge thing.
It's like, it's like you haveto value.
Like, is it really.
Is it a need or is it a want?
Right?
Is like, do you really need it?
Is it going to change how youdo something or do you just want
(23:26):
to have it?
So it is.
So there is the need and thewant that.
Right?
That's a, that's a big thing.
And that's what traditionalbudgeting kind of teaches is your
needs and wants.
But this is where my me moneyconcept comes in.
And this is all about your wants.
This is all about you.
So if you allow yourself an aline item on your budget that says,
(23:48):
this is what I'm allowed tospend on me and solely for me, and
I don't have to answer toanybody, even myself, the money's
already there.
Yeah, that.
Give that.
That piece alone will help youunderstand your money personality
and help you have intention.
So it'll all be air willalready cut off, like, pieces of
those five things that I saidthat you should do.
So.
(24:09):
So let me tell you about theme money, if that's okay.
Do you mind me moving on to that?
So me money started with meand with me and my husband.
So blended marriage, second.
Both second marriages for bothof us.
And he was going and doing allthese things, and I. I tried to explain
(24:30):
to him, like, what he wasspending, and he was like, oh, it
doesn't cost that much.
Like, I'm going fishing withthe guys.
It's just a cabin.
I'm like, you got a cabin, yougot gas, you got a boat, you got
licenses, you got a trailer.
And I'm like, you're not.
You're not putting out onechunk of money where you're like,
hey, I'm putting this.
This money towards thisvacation is pieces over time.
So you're not realizing howmuch it's all adding up.
(24:51):
So I said, I'm going to putyou on a budget, and I'm going to
give you this certain amountof money, and you can only spend
this certain amount of moneyon yourself.
Anything that is just solelyfor you.
You get to use this bucket ofmoney for, like, every payday.
You're going to put it into aseparate bank account.
And then when you want to saveup for your trip, like, everything
that goes for your trip isgoing to have to come out of this
(25:13):
money.
So, you know, you have to makesure that you have enough to spend
later.
It seems like very simple, right?
Simple concept.
And he's like, okay, that's fine.
He's like, but are you going to.
Are you going to do it foryou, too?
Are you going to give yourselfan allowance?
I said.
I said, yeah, I'll do it.
I'll do the same thing.
I'll give myself the same amount.
Like, we live under the same roof.
(25:34):
We have the same lifestyle.
I'll give myself the sameexact amount.
Doesn't matter who.
Who makes more money or whatever.
Like, same Amount.
You get this, I get that.
We'll open separate bank accounts.
So I.
We open separate checkingaccounts, separate savings accounts,
so that if we weren't spendingat all, we could move it into the
savings account for later.
So what happened was, as Iwaited, like, I don't know, a month
(25:55):
or so, and I asked him, I'mlike, how's it going?
Because I was actually kind ofconcerned that he was gonna be like,
this is really restrictive, oryou're being.
My wife is so controlling,which I'm not.
But.
But he wasn't.
He was.
He said, it's fine.
And I was like, what does fine mean?
He said, well, I'm just makingbetter choices.
It's like, oh, tell me, tellme about the better choices.
Because really, the wholepoint was just for him to understand
(26:17):
how much money he was spending.
So now he's saying he's makingbetter choices.
So he said, like, he went tobuy a golf shirt, and he was like,
I don't really need this golf shirt.
I've got a ton of golf shirtsin my closet.
He's like, I'd rather savethis money that I would spend on
this golf shirt and put ittowards a golf trip later.
So he didn't buy the golf shirt.
And I said, well, would youhave bought the golf shirt if I didn't
(26:38):
give you this.
This bucket of money to giveyou your allowance?
And he said, yeah, I probablywould have bought it, and I probably
would also spent the money onthe trip later.
So making better choices.
He didn't need it.
Here's your need and want, butreframed, because it wasn't about
need, or do I need this, or doI want this?
Because obviously it's a want.
It was just like, can I, orwould I rather do something else?
(26:59):
So valuing that.
Okay, so then flip the tableto me.
And I'm the one who alwayssaid, I can't afford to go on a girls
trip.
I need to be saving.
I need to be putting money infor retirement.
I need to be putting money inmy emergency fund.
I need to be.
And so every time, I'm notsaying I didn't spend money on myself,
because I did, but every timeI did, I would feel guilty about
(27:20):
it.
Like, I shouldn't have donethat, right?
So now I have this money setaside and it's in my account, and
I'm.
I'm saving it, and I'm not,because I'm not spending it all.
And I'm like, someday I'mgoing to go on A girls trip.
And, and what happened was, isI was sitting there with these little
sample packets of this facestuff that I got from this face that
does facials.
(27:41):
And I'm like, you know,sparingly using this stuff.
And I'm like, this is so amazing.
It feels so great.
And I'm like, I would neverbuy, I would never buy this for myself.
And I'm like, wait a minute, Ihave money already set aside for
me.
Why don't I, why don't I do this?
And so I did.
I bought the whole thing.
I bought the daytime, thenighttime, about the.
(28:03):
And my face feels amazing.
And by the way, those youngdermatologists told me just the other
day, well, your, your skin is,is great.
I'm like, thank you.
But anyway, the point is, isthat I never would have bought that
for myself.
Now I'm not saying I wasn'tspending money on myself.
What I'm saying is, is that Iprobably could justify ten things
for ten dollars, right?
(28:24):
A hundred dollars ten times orten, ten dollars, ten times for a
hundred bucks.
But I might not have justifiedthe one thing for a hundred dollars,
right?
So it was just my mindset inthe way I, and I, the way I worked
with money, part of my moneypersonality as a saver.
You know, I like a good deal,10 bucks here, 10 bucks there, but
I wouldn't spend more.
(28:46):
So it gave more intention tome and allowed me, gave me permission
to spend money on myself.
So for him, it made him makebetter choices.
For me.
I'm also making better choicesbecause I'm not buying ten things
for ten bucks.
I'm waiting, getting the one Ireally want for 100 bucks.
But it took out the guilt.
Yeah.
So it took out the guilt forme and for him.
(29:07):
It just gave him like morethought process to like what he's
spending his money on.
And it was amazing.
So then I started having otherpeople do this too.
And I found that it works foralmost any money personality.
And it works if you're single too.
It doesn't have to be a couplebecause it just, it allows you, no
matter what your personalityis, it gives you that intention.
(29:30):
So it can give you the, thepermission to not have to answer
to yourself or it can give youthe, the, the intention to be more
mindful of what you'respending your money on.
Yeah, I absolutely love that.
I like that mean money.
It's really, really good.
I think it's really important.
And, and I, and I say that,you know, it's, it's probably Something
(29:50):
I will probably, you know, do something.
I, I do something and talk tomy daughter about it because she
went and bought, she put inher in the cart for Amazon a toothpaste
squeezer.
And I called her and I said,actually, I text her.
(30:12):
I was like, you can take thatout of your.
And return that from Amazonright now.
I said, if you do not have thearm strength to squeeze your own
toothpaste, we have a problem.
I don't care what you're usingit for.
It is not worth it.
Laughs let's talk about money.
(30:33):
Too funny now.
Okay, so here's the thing though.
If she had money that she knewshe could spend on herself, right?
There's two things that might happen.
She might be like, Iabsolutely want that toothpaste squeezer.
That's important to me.
I don't like it when I'mtrying to squeeze my toothpaste is
going backwards or whatever, right.
And she might, I'm going tospend my money on that.
(30:54):
That might be something that'simportant to her, but she also might
be like, I'm not going towaste my money on that thing.
I'd rather have it something else.
So it would make her, like,think about her decision in a completely
different way, right?
Oh, yeah, yeah, we've talkedabout it.
I'm like, okay, you've gotthis amount.
You can spend this.
You decide.
(31:15):
It's not unlimited, Right?
But it's true.
But we, But I think the keything, what I love about this, the
me money for women.
There is a huge amount ofguilt when we, when even if it's
our, even if we're making themoney ourselves about what we spend
(31:35):
on ourselves.
Right.
It's time to stop puttingourselves last.
Yeah.
So I really, really love that.
And I think it's, it's, it's.
Yeah.
We have to stop puttingourselves last and know that we.
There is a value to us.
(31:57):
Absolutely.
Absolutely.
I absolutely love this.
So Linda, how, how can peoplelearn more about what you're doing?
Your me money.
Take your quiz.
Where can they go?
They go to my website and thenthey can find my social media everything
there.
And there's the quizzes are onthe resources page page, but the
website is Lindag.com so L IN-D A G R I Z dot com.
(32:25):
I left off the last lettersbecause nobody ever spells it right.
So I figured just make it easier.
And then on the resourcespage, there's the personality quiz,
a confidence quiz, and a bunchof other freebie downloads that they
can, that they can have thatcan help them with their finances
and they can find informationabout my courses and my coaching
and stuff on there too.
I absolutely love it.
So listeners, please do me thefavor and go and connect with Linda.
(32:48):
I will put the link in theshow notes to this, but what you
were doing, Linda, is reallyremarkable because people do need
to be better educated on money.
And I again and I love the me money.
So again listeners, subscribe,share this with your friends and
(33:09):
colleagues and go over toLinda's website and take the money
quiz.
I'm going to go over there tooand take it because I'm curious like
what my personality test is onthat because now I got to know and.
Just remember there's no wrong answer.
It's just about understanding yourself.
So I'm going to take that andthen again hit subscribe, share and
(33:30):
connect with Linda.
And Linda, thank you so muchfor being a guest on the Unstoppable
Success because this is wheresuccess happens.
So thank you so much and thankyou listeners for listening and and
sharing the episode.
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