Latest / Marci talks money (and life) / Money Personalities, Budgeting, and Financial Wellness with Linda Grizely
Transcript
- Marci Grossman (00:01.304) Hello, I am MoneyMarci, welcome. I am thrilled to welcome today's guest, Linda Grizely. Linda Grizely is a Certified Financial Planner, a financial wellness speaker, money coach, and proud karaoke enthusiast. She's the creator of MeMoney Method and host of the podcast, Real Money, Real Life, where she helps people build a financial life that feels good. She may not be great at golf, but she excels at soaking up sunshine and believes money should feel as good as a day at the beach. Welcome, Linda. Linda Grizely (00:35.748) Thanks for having me, Marci. Marci Grossman (00:37.528) Well, I'm I'm excited to chat. I love talking to money people. So tell me, financial planner, how did you get there? Linda Grizely (00:47.568) Gosh, such a long story. Marci Grossman (00:48.974) Hahaha! Linda Grizely (00:50.682) Well, I started, so I transitioned careers late in life. I was actually looking, was transitioning and I was looking to build a career in a not-for-profit. So I was wanting to make a big impact and help people. And I signed up for a program called the Chartered Advisor in Philanthropy through the American College of Financial Services. That's a mouthful. But basically it is a designation or a course that that a series of courses that take you through legacy planning and planning for high net worth and charitable giving and teaches fund development people from the not-for-profit side on how that works. At the same time, it's through the American College of Financial Services. So it's teaching financial advisors on how to help their clients plan for being philanthropic and charitable giving. So it was this crossover, and that was my entrance into the financial services side of it. And the more that I got into the courses and started talking to people, the more it made sense that I could help people through financial planning. And so that's how I ended up in the world of financial planning. Marci Grossman (02:08.918) Okay, so you were transitioning though. What had you been before? What What was your bag of tricks? Linda Grizely (02:12.57) Ha Okay, so I have recreated myself more times in my life than I'd like to admit, but at this particular time, I had come off of a divorce. So I got married at 23, or sorry, at 22. Got married at 22 and I was married for 23 years. So I got divorced and over half of my life and most of my adult life being married and... I had started this women's fitness center business that I had, but I had to sell it because I couldn't afford to keep it going, being not married and having to support myself because it was just a startup still. So I landed a job that I thought was gonna be my dream job and it ended up not being my dream job. I loved the job itself, but the environment that I was in was not a great one. So I left that and that's when I was like, okay, what do I really want to be? Who do I want to be? What do I want to do? And that's where I had the idea like, I really want to help people somehow. And so that is how I started down the path of looking for something in not-for-profit. But during that time, what actually happened was, to get more specific, when I left that job, newly divorced, my first like back in the full time workforce, like actual W2 job, because I worked plenty of time on my own business, but I left that job without a plan and I walked away from it, not knowing how I was going to survive, right? I went back to school. So I walked away without having an income, spending money to go to school. Linda Grizely (04:08.546) I did some things like I cashed in a small retirement fund and I took out a home equity loan on my house. Now these aren't necessarily things I recommend. I was not a financial planner , didn't know anything about finances then. I mean, it worked great for me because I knew that I needed to take like a really bold step to get my life to move forward. Because working at the job I was working at, even though I thought it was going to be my dream job, I wasn't making enough money to survive. Like, I was still going backwards even when I was working. You know, I have two kids still at home. You know, they're with me half the time. But, you know, I have to have a house that they can live in. And I have to help pay for things for them. And luckily, I didn't have a deadbeat ex or anything. Like, he was contributing. But it was still a lot. Like, having your own household is a completely different experience than sharing expenses with everyone. with other people. So anyway, was going backwards and just knew that if I was really going to make a change in my life, that I needed to do something drastic. And that's what I did. I quit, I went back to school. And yeah, it was an adventure. Marci Grossman (05:17.942) Wow, yeah, so I love to hear how people ended up where they were, what was the thing that started them and what backgrounds they came with. So you really came from a totally different non-financial background, though you had run your own business, so you had some, hopefully, financial understanding. And then by looking to find where you could fit in at a non-profit that ended up steering you toward the accounting and financial. Linda Grizely (05:42.168) Yeah. Yeah, well, and I had other prior experience from like before, like in my early years. I had a career in real estate and in title insurance and also in 1031 tax deferred exchanges. So I had a lot of knowledge already about real estate and property and tax valuation and how taxes work. So I had a lot of that, which was a good basis for getting started in financial services. So it actually made a lot of sense because I already had some of that knowledge in there. Marci Grossman (06:18.634) Okay, okay. So it wasn't as wildly speculative I'm gonna, as it might have been, but still, okay. Well, that's cool. It's so important for people to realize that you can pivot. You can change your career. You don't have to do that at 20 years old or 25 years old. You can be whatever age you need to be when it's time for you to pivot. You just have to invest the time and the effort in yourself to move forward. Linda Grizely (06:24.834) Right. Yeah. Linda Grizely (06:47.834) Absolutely. I got my bachelor's degree, I think it was, I might have been 48 or 49 when I actually got it. And then I got my master's degree over 50. So yeah, never too late. Marci Grossman (07:00.62) Never too late. I love that. And then tell me about this MeMoney method that you created. Linda Grizely (07:06.658) Okay, so MeMoney is taking a portion of your money, whether it's monthly or per paycheck and setting it aside for you. So it's what you can spend your money on that is solely benefits you. It's all those extra things that other people might judge you for spending on. But It started because, okay, so being the financial person, I handle the finances in our household. And so I... track everything and I'm kind of weird because I track literally everything. And my husband, we're in a blended marriage so we got married older and we've got, you know, blended adult children and some grandchildren now and everything. But, you know, we never really answered to each other for money. We just kind of still did our own thing. But he didn't realize how much money he was spending and I knew he didn't realize how much money he was spending. And he'd always be like, oh, it's not that much. It's just blah, blah, blah. And I'm like, yeah, but when you add it all together, it's a lot. So I told him, I was like, I'm putting you on a budget and I'm giving you this amount of money to spend, you know, per paycheck. And you have to live within the means of that money. And this is just for anything that has to do with you. So anything that involves you only, if I'm not involved, then you have to pay for it out of this money. And that means you have to save up for the things that are coming up. You can't just be like, oh, I spent all that money and now I need more money. You have to stay in this lane. And he was like, okay, I can do that. Now I already knew how much money he was spending. So I knew that I wasn't gonna restrict him too much. I was also still worried that he was gonna feel restricted. So he said, all right, well, I can do that. Are you gonna do the same thing for you? And I said, sure, I'll do the same exact thing. I'll give myself the same amount of money. Doesn't matter who's making more or less. We live under the same roof. We have the same you know, same lifestyle. So I think we can, I'll give myself the same amount of money. So I started this and I checked back with him and I asked him how it was going. Of course, he's like, fine. I'm like, okay, what does fine mean? And he said, well, I'm just making better choices. And I was like, oh, tell me more about that. So he being someone that's a spender and an avoider of money, like he likes to spend and doesn't really pay attention to it, now he's paying attention to it. now he's, So now he's making better choices. So his example was, Linda Grizely (09:28.12) He saw a golf shirt that he wanted and you he's got a closet full of golf shirts. So he saw this golf shirt and he's like, if I buy this golf shirt, then I'm gonna have less, that much less money to spend on my golf trip. So I'm not gonna buy the golf shirt. I'm just gonna save that for the trip. And so I asked him, I said, well, do you feel bad that you don't have the shirt? He's like, no, I don't need that shirt. I don't feel bad about that shirt. I'm like, do you wanna go back and get it right now? If I said you could go buy it, he's like, no, I don't need it. But he would, and I said, would you have bought it and you would have gone on the trip if I hadn't given you this money? He's like, yeah, I would have done both. So he didn't need it. He wanted it, but he didn't really want it. Like it was just cool in the moment. And he was like, it's making me think a lot differently about money. And I was like, wow, okay, this is cool. Okay, so we're gonna keep doing it. and I asked him, said, I wanna make sure that he didn't feel restricted or that I was controlling him because that wasn't my point. It wasn't to restrict him or control him. It was more just to be like, hey, pay attention and understand how much money you're spending. Not to say you can't spend that much or you can't whatever, but just pay attention. So now you flip it over to me. Marci Grossman (10:28.27) you Linda Grizely (10:37.178) A couple of things happened with me. I was always the person who said, I can't afford to go on that girl's trip, or I would never spend that much money on myself. I would never do that. Now I have money already set aside, and it's there. And I'm thinking this, I had got these little packets of this facial cream and stuff from this store when I was on this walk with some friends. And I was using this little packet, so was like, this stuff is amazing. My face smells great. And I'm like, you know, I would never, and I'm like, wait a minute. telling myself I would never spend that amount of money on myself. I'm also telling myself how much I love it and how much it feels so good and it makes my face feel amazing. And I'm like, why wouldn't I? I have the money. So now that I have the money, I can spend that money and I can buy those things without feeling guilty about it because I'm not answering to myself. My husband never asked me to answer to him. I mean, there are people whose husbands do, but mine wasn't, but I still was answering to myself. And like now I don't even have to answer to myself. If the money's there and I wanna do that, I can do that. And I know if I buy it now, I might be saying no to something later, but that's my choice to make, right? So. For me, it was like this freeing, like I now can spend guilt free, like I can, whatever I want. Now, I'm not saying I never spent money on myself because I could justify buying, you know, a bunch of little things for little amounts of money. But I might not justify that bigger amount like with the face cream, right? Like to buy like a face cream that costs $100 for one little bottle, like I know, but I might buy 10 different things for $10 and be able to justify that. So I'm still spending the same amount. But so there was that part. The other part was I had this sense of relief that I didn't even know was there where I'm like, I felt like my husband and I were now living on the same playing field. Linda Grizely (12:37.178) Because before what I didn't realize was that I felt like he was spending all this money and that was just like making me more stressed out because I was living in this, you know, I'm a saver. So I was living in this like, I don't, it wasn't even necessarily scarcity, but it was just like, I always felt like I was trying to save more because he was spending and Now, I know we're spending the same amount and if we're not, I'm saving it. So I'm saving my part and that if that's what makes me happy, that's fine. So I kind of leveled our playing field anyway. So then I started implementing this with clients. Now, I started when I was in financial planning and now I do financial coaching and I'm doing it in financial coaching too. But I found that it works with almost any money personality solely because it gives you intention. to that one part of your money, that is the part where people struggle the most. Whether it's spending or saving or avoiding, that's the part people struggle with the most, right? So that is what the concept of MeMoney is all about. Marci Grossman (13:45.027) Well, that's a great concept and I love the way that you talk about it because so many times we'll go out and we'll spend five or ten bucks and not think about it and then all of a sudden we'll pull up short at fifty dollars or a hundred dollars or whatever else. But in reality, if we sat and thought about it, we'd say, you know what, I don't need those little things. I'd much rather this big thing. But instead we have this dividing line like that five or ten dollars each time doesn't count. Linda Grizely (14:14.575) Yeah. Marci Grossman (14:14.602) and by setting up that guideline. So would you suggest people use that as like they come up with a weekly amount for themselves, a monthly amount? What kind of timeline do you have for that set amount? Linda Grizely (14:28.588) Whatever works for them. What works for my husband and I and most of my clients is to do it per paycheck. Because that way when their paycheck comes in, then they're just pulling that money amount on each paycheck. So they're giving themselves a paycheck out of that paycheck. And like with my husband and I, we did it for one of our specific paychecks instead of, know, because we both have paychecks then. But like with the one paycheck went to that, right? So every time that paycheck came, and a lot of payroll companies have it where you can set a certain amount to go to different accounts. So we actually had it set up Marci Grossman (14:51.148) right in different timing and all that. Linda Grizely (15:04.372) at the time when we originated it, where it was coming out of one of our paychecks directly into separate accounts for us. So that our MeMoney just went into those accounts. So there wasn't actually a transfer happening. And so that's usually the way it's either per paycheck or monthly is the way that other people usually prefer to do it. And how to come up with a number is a question that I get asked a lot. The easiest way to come up with a number is just to track your expenses for couple of weeks and come up with a number and then start there. But keeping in mind that you have to factor in seasonal type things or one time things like events. Like if you like to go to concerts or shows or go on trips or whatever, you need to factor those in and come up with a monthly amount that like escrows for those so to speak as you go so that you have it saved up. And I think that starting with a number and then seeing how it goes and then modifying over time works well. Now I was already tracking everything so I already knew what our number was. It was easy for me to come up with. And then if you are someone who's a saver or a security seeker who tracks everything. you probably already know what that number is. And then you can just figure that out. And then if you're not and you want to start leaning into it, you can start doing your analyzing your cashflow, just like you would when you first go in to see a financial planner or advisor or a coach, you come in and they would say, okay, what are you bringing in? How much is coming into your bank account and what's going out of your bank account, right? That's cashflow. So analyzing your cashflow, there's usually a gray area. And that's a lot of where the MeMoney is. Like you have no idea where that money went. Marci Grossman (16:54.07) Right, we can talk about it, but the reason someone might need a coach for something like this is to help them comfortably find that number and get into that mindset. And you talked about using that money for concerts and events and one-time things. I'm assuming you're not going things like that alone. So, I mean, Some of them might be girls trips or guys trips or whatever, but otherwise, I mean, do you have a We Money also that's for the things that you do together? Linda Grizely (17:14.564) Yeah. Linda Grizely (17:21.71) Yeah, we do. We actually started with just the MeMoney and then everything else that we did, anything we did together, we just came out of our joint stuff. And then there was a point where I was like, we should really do this for us too. Because what would happen was we would go out and then we'd just be like, we just spend a whole bunch of money because we weren't, because we were able to not think about it. And I was like, we should probably do this for us too. we don't have it, we have been slowly establishing it better and better. We need to put a little bit more guardrails on it. But yeah, that's kind of our rule. If it benefits me only, I pay for it out of my money. If it benefits him only, then he pays for it out of his money. Now, some people might ask, well, how does that work for somebody who's single and not in a relationship? It works awesomely for them too because it gives them intention. So the idea is that anything that you feel like is not a required expense. So rent, utilities, your phone to some extent, anything that you feel like is not required comes from your MeMoney then. So that if you go out to eat, that might be required, it might not be required. It depends on your own personal situation, right? Because that might be something where you're like, yeah, no, this is, I need to do this because I'm not cooking for myself and I'm gonna end up spending more or whatever if I cook for myself, like who knows? The other thing is, like clothing or like getting your nails done, things like that sometimes are optional because... You know, I put all of my clothing and my nails on my, on my MeMoney because that's something that I'm only benefiting from. It's something that I only, I don't need any more clothes. Linda Grizely (19:08.12) and I don't need to have my nails done. My husband doesn't care if my nails are done, so they're for me. But there are people that are like, no, I'm starting a new job and I need clothes for my job. Well, if you need clothes for your job and you need to look good for your job, then you can probably justify using other money, not your MeMoney for that. But if you've got a closet full of clothes that's perfectly good for your job and you're like, just want something more, then that should probably come from your MeMoney. So there are things that are, you know, negotiable or whatever when you come to it, but that's the idea behind it is just to put intention around the things that you're spending on yourself. Marci Grossman (19:46.435) That's awesome and I'm assuming that most of the times when you're talking to people, you're checking in on their debt, you're checking in on their emergency fund, on their retirement fund or whatever other savings and things they have to make sure that they're not shorting out of those longer term things they need to finance their MeMoney. Linda Grizely (20:08.246) Exactly. Yeah. And I say there's that's the ease. There's an easy way to just start doing it. But I mean, I actually have a course on it where you can go through the course and learn about it if you don't want to be coached on it or anything. But it teaches you like what your money personality is. There's a money personality quiz that you can actually take without taking the course, too. what your money personality is, how that affects you, how MeMoney can help you, how to set it up the easy way and then how to set it up the hard way and go through like an actual cash flow. So the course takes you through all of that, and helps you understand all of it. But I mean, I'm giving away the secret sauce, like this is how you do it. This is how you do it. But if you want some help getting through it, then you can take the course or you can hire a coach or any money person can help you with understanding how that works. Marci Grossman (20:43.48) I don't want you to give away everything. Marci Grossman (20:58.254) Right, and I will be sharing Linda's links after in the show notes so that they are all available when you listen to the podcast. You can find all those links so that you can check her out. Let's talk Let's talk about failure. Why do most budgets fail? Linda Grizely (21:18.904) Let's do it. Linda Grizely (21:25.156) They fail because they're not taking into account the person and their personality. So if you think of like my husband who was a spender and an avoider, right? He's kind of on the cusp there. And when I say spender and avoider, some people might think those sound like bad things. There's no wrong money personality. It just means that you have to understand what your money personality is and work with it. So if you take that person and you say, you know, I'm going to make you pay attention to everything in your budget. Like You need to do all these things that are very restrictive. And, know, You can only spend this much on groceries. You can only spend this much on going out to eat. You can only spend this much on this, this much on that. And you're really like paying attention to every dollar. Well, that person who's an avoider or a spender is just going to feel like it's so against who they are naturally. And they're just going to stop doing it. They're not going to do it. Now, if you're a saver or a security seeker, a person who really likes a plan for everything, you might be able to stick within that budget. You might be able to do that a little bit easier. A security seeker, definitely, because they want to plan for everything and they want to know that everything is planned for. So it's harder for them to spend money on themselves too, which is why you have to have the line item for you if you're doing a budget, the MeMoney line item. But So the idea is, that you have to find what works for you. So doing a budget with like a spreadsheet and all the numbers in the exacts and tracking it, that's a security seeker personality that's gonna be successful with that. That's not gonna work for someone who is a spender or an avoider or even a risk taker because it's just gonna go thoroughly against everything that they are in naturally. right? So you have to find a way that works for them naturally. MeMoney works because it gives them just this one little thing to pay attention to. It's not overwhelming and it helps them understand how the money is flowing, which flows over into other pieces of their life. That's not to say that they don't need, you know, other types of financial planning services or coaching or anything like that. Linda Grizely (23:41.996) There's still a lot that can be done with their money, with their money personality, just taking that into account to not make it too regimented for them. Marci Grossman (23:52.397) That makes sense. mean it's like with anything you try to do, if you do it in a way that works for who you are and how you think you're much more likely to be successful than if you say, well this is how everyone says budget I'm gonna go do that and you smack right against that wall because it totally doesn't fit who you are and how you think and how you do things. Linda Grizely (24:06.906) You Linda Grizely (24:15.662) Yeah, exactly. Marci Grossman (24:17.998) How many different money styles are there? Linda Grizely (24:23.012) So I'm not the only person that identifies money personalities. There's a lot of different theories and ways out there, but I identify five. So you have, On one end you have the security seeker and then you have the saver. And in the middle you have the avoider. And then you have the spender and then you have the risk taker. So there's five, avoider being in the middle, not paying attention to it. The saver and the spender being like, I just lean towards that. I'm not necessarily, Like I said, I'm a saver. I still spent money on myself. I just always felt like guilty when I did and I felt like I should be saving more. And then. The spender, now the spender can be a spender on themselves or on other people. So they could be the people who, the one who likes to treat friends and family to dinners or pick up the bill here or give an extra large tip or donate to this cause or save the pets, whatever. So. Like I said, spenders are not a bad, none of these are bad. So I don't want you to think that like, gosh, I'm a spender, gosh, I'm a risk taker. It's not a bad thing. And even a security seeker is not a bad thing. So then the step above would be security seeker on one end, needing a plan for everything and just really feeling like they need to account for every single piece and understanding that everything has a purpose. And those are the people that have a really hard time spending on themselves because they put themselves last. And then we have the risk takers who are just like, go big or go home. Linda Grizely (26:02.906) I want to go, I want to live life fully. I want to have lots of great experiences. And They're taking more risks and spending more sometimes on things that are self-improvement or trips and events, so that they can have a fuller, richer life. But sometimes that can be at the expense of their security. Marci Grossman (26:28.408) Well, and I think that probably goes for all of those types that any of them taken to an extreme. Any of them that you put blinders on and move forward with it, you're missing out on other opportunities. So yeah, So then having, I mean, guilt, guilt in anything, whether you feel guilty after you spend a lot or you feel guilty after you spend nothing or you feel guilty you don't pay attention or whatever it is, guilt gets in the way of everything. Linda Grizely (26:56.172) Yeah, yeah it does. Marci Grossman (26:58.25) I that's just, wow. And we come into this, we come into everything we do with baggage because we are the people that our parents or our grandparents or whomever raised and we've got their baggage because of what we saw them do. So our personality type may not have been who we would have chosen to be in a different situation. It's just all of life circumstances, all of the lessons we've learned, whether intentional or or unintentional are why we are who we are. So there can't be anything bad about it. It's just something you have to... I love the way that you're identifying it so you can figure out the best way to move forward from it because you can't change who you are. I mean, you can change your job. You've shown us we can pivot all different ways and still keep coming out successful with new journeys and new stories. wow, that's... I love the way that you're phrasing these and the way you're putting that information out there to let people know that it's okay to be this is who you are. Linda Grizely (28:08.718) Yeah, absolutely. it's, you know, Some people might look at it as like, you're putting a label on it. But I'm not necessarily looking at it to put a label on it for the sake of putting a label on it, but for the sake of self-understanding and understanding why you do the things you do the way you do with money. right? And understanding that the feelings that you have, like when you feel guilty about having spent money on yourself or feel shame for the fact that you don't have anything saved, right? And when you realize that, that's okay because we're not okay, but that's, that's, I understand why now because this is my personality. And now that I understand that I can start to recognize that and start to make better choices around my personality without harming myself, my future self or my current self, right? Marci Grossman (29:06.998) Right, we've always got to think of that future self when we're making our financial decisions because that future self is hopefully going to be our first and most important beneficiary of all the choices we make. I like that. I do want to back up a little bit because I do want to talk about the karaoke and the golf. I feel like there are some stories in there. Linda Grizely (29:18.094) Yeah. Linda Grizely (29:34.738) My goodness, there are stories in there. Marci Grossman (29:37.07) Well, I figure it must be significant that you are a 'proud karaoke enthusiast'. Not just, and she likes to karaoke for fun, but proud karaoke enthusiast. That says a lot. That has some heft to it. Linda Grizely (29:44.675) You Linda Grizely (29:55.163) It does. Well, so here's the thing. So For a long time I I didn't sing karaoke. I would go with my friends that would sing and I wouldn't sing. And it took some awful events in my life for me to finally just go, you know what? It doesn't matter. Like I'm tired of trying to be perfect and worrying about what everybody else thinks. And that's when I sang my first karaoke song. And I'll tell you what, it was awful. It was really bad. but I didn't let it stop me and I kept doing it. And now I'm decent. I mean, I'm not like a fantastic singer or anything. you know, I get some, you're like, yeah, that was great sometimes. So that's enough for me. But here's the thing. I feel like when you're singing, you're letting out like so much feeling and so much, like, I don't know. It just to me is really just an outlet. And... I can name a lot of people that said that they would never sing and I've convinced them to sing. Linda Grizely (30:59.652) I just feel like I found it very freeing. It was a very freeing thing for me to start to do and now I love to do it. Marci Grossman (31:07.0) That's awesome and you're not great at golf but you do golf? Linda Grizely (31:10.38) I am not great at golf. I also started golfing late in life. I started golfing in my late 40s and I have a really high handicap. So you can, you know, if you want to put me on a team that you need a high handicap for, I'm good. But I love it because it gets me outside. It gets me, you know, outdoors and something active to do. And I know the rules, so I keep up and I don't know, I just have a good time even though I'm really bad at it. Marci Grossman (31:43.277) I think that's so awesome because so often we afraid to try something new. We are afraid to be acknowledgeably bad at things. I do sing karaoke though usually I just play myself and I don't golf. But I did caddy for a while so I understand the game. My sports background involves larger balls and running into people. So a little bit different. You're not allowed to do that in golf. That was soccer. They don't like that when you do that in golf. You're not supposed to slide tackle. Takes all the fun out of it. But that's, I like that because there you are, You're a saver or a, what was the terminology for you? Saver? Okay. Linda Grizely (32:18.002) wow. Linda Grizely (32:25.388) You're not supposed to, no, not supposed to run into anybody. Linda Grizely (32:39.201) saver. Yeah. Marci Grossman (32:41.196) You're a saver here and you're a risk taker by going out there and doing karaoke and doing golf and it makes you a well-rounded person. Linda Grizely (32:51.278) Yeah, and that's another thing. That's a very good point, Marci, because just because your money personality is one thing doesn't mean that that personality is the same thing throughout. And I actually have two different money personalities because my business money personality is a risk taker, which is almost, I'm almost a security seeker on the one end financially. So I'm almost complete opposites between my personal finance and my business finance. I'm like the go big, go home. I want to do it all in my business. I need that thing. I need that thing to get it running right. Like, I don't know. I need to rein myself in. Marci Grossman (33:29.442) Well, I don't know, your business can have a Me file too of things that these aren't necessary, but these are things I want. mean, You have the opportunity to figure that out. And I know this money coach, I think you'll get along with her really well. She lives in your mirror and I think she can help you figure what your personality needs to be to be successful, but it sounds like you're doing amazing things as it is. Linda Grizely (33:33.698) Right. Marci Grossman (33:58.571) And I love the way that you are just inspiring people and putting it out there with your podcast, with your coaching, with all the things that you do. Linda Groosley, thank you so much for being my guest today. are there things that maybe you wanted to mention we didn't cover yet? Linda Grizely (34:20.332) No, I would just say, start one little piece at a time. So don't get overwhelmed with your finances, because it can be overwhelming. You start to think like, OK, I need to start paying attention to everything. One little thing at a time, whether it's MeMoney or just tracking your cash flow or paying attention to what the expenses are every month to make sure that there's not things you're forgetting about. Just one little thing at a time. And then start stacking. Once you get used to that, stack another good habit on. That would be my advice. Marci Grossman (34:50.712) I like that. I like that a lot. Thank you so much for being my guest today. We appreciate you taking the time to join us here. If you wanted to say anything, you could buy things. This would be the time. Linda Grizely (35:05.164) sure, yep. If you want to find me, You can find me on my website at lindagriz.com, L-I-N-D-A-G-R-I-Z.com. And if you want to know what your money personality is, hop over to my resources page and you'll find the money personality quiz there. Marci Grossman (35:22.198) Okay, thank you again. To my listeners, I will be sharing a link to Linda's information in the show notes. Please check her out. She shares a lot of interesting information. And don't forget to subscribe, leave us a review and stay tuned. I'll see you next time. This has been MoneyMarci on Marci Talks Money (and Life). You got this.