🙃 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 you12:40 | Pet peeve: the 30% housing rule — where this benchmark actually came from, and why it can't fit every life17:16 | The five money personalities — and why strict budgeting only works for one of them34:19 | 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.