🙃 Money Pet Peeves with Linda Grizely

This podcast is for educational purposes only and does not constitute mental health, financial, tax, or legal advice. Episode summary On the first-ever pet peeve session of the Money Healing Club podcast, Rachel sits down with certified financial planner Linda Grizely, creator of the Me Money method, to unpack the mainstream rules that sound like gospel but fall apart on real humans: wants versus needs, the 30% rent rule, strict budgets, and the pressure to be completely debt free. 💬 "The goal should not be zero debt. The goal should be to have a plan that may include debt that gets you where you want to be." — Linda Grizely In this episode: Why wants versus needs is never one size fits all The Me Money method: budgeting for your wants as permission, not punishment Linda's five money personalities, and why strict budgets only work for one of them Why debt is a morally neutral tool, not a moral failing ⏰ Episode Breakdown 03:33 | Pet peeve: wants versus needs — why the restrictive framing misses the person in front of you 12:40 | Pet peeve: the 30% housing rule — where this benchmark actually came from, and why it can't fit every life 17:16 | The five money personalities — and why strict budgeting only works for one of them 34:19 | Pet peeve: being completely debt free — debt as a tool, not a moral failing About Linda Grizely: Linda is a certified financial planner, financial wellness speaker, and host of the Real Money Real Life podcast. As the creator of the Me Money method, she helps people cut through the shame and stress around money and make financial decisions that feel human, practical, and judgment free. 💌 Connect with Linda Grizely Website: https://www.lindagriz.com/ Podcast: Real Money Real Life LinkedIn 📚 Resources Mentioned Linda's money personality quiz, on lindagriz.com The Me Money method The history of the 30% housing rule, from Shelterforce: "In Defense of the 30 Percent of Income to Housing Affordability Rule, In Some Cases" - https://shelterforce.org/2017/04/25/defense-30-percent-standard-cases/ HALT: hungry, angry, lonely, tired Rachel's exercise on listing your debts and acknowledging how debt has helped you 💬 Join the Conversation  Click on the big orange button on our site right from your phone or browser and tell me: what's a piece of money advice that never worked for you? https://www.moneyhealingclub.com/podcast 💝 Support the Podcast Help keep the Money Healing Club podcast going! If this show has helped you feel less alone or more grounded with money, please consider contributing: https://www.moneyhealingclub.com/podcast 🎧 Your next listen: S2 E37: 💳 Debt-Free Isn't the Answer, with Haley and Justin Brown-Woods of The Price of Avocado Toast, for the full deep dive on why paying off debt faster isn't always the goal. https://www.moneyhealingclub.com/podcast/s2e37 💫 Visit the Money Healing Club website to start your money healing process!  https://www.moneyhealingclub.com Full transcript: https://www.moneyhealingclub.com/podcast 🎙️ We're a proud member of the Feminist Podcasters Collective where creators like me are uplifting diverse voices and driving meaningful change.