Graceful Investor

Graceful Investor is the go-to show for women ready to take control of their financial future, build real wealth, and feel confident with money. Hosted by Tasia, every episode breaks down investing concepts in plain English, tackles the money mindset blocks that hold women back, and gives you the practical tools to start building wealth on your own terms. Whether you're paying down debt, learning to invest for the first time, or scaling a portfolio that funds the life you actually want, this is the conversation you've been waiting for. Stop sitting on the sidelines. Your financial future is waiting. Hit subscribe, drop a comment with the first debt you're tackling, and let's build it together. DISCLAIMER The content shared on this podcast is for educational and informational purposes only and should not be considered financial, legal, or investment advice. The host is not a licensed financial advisor. All investments carry risk, including the potential loss of principal. Please consult a qualified financial professional before making any investment decisions.

Graceful Investor is a business podcast hosted by Unknown Host, with 29 episodes on record and a Required Pod Score of 80.

Unknown Host hosts Graceful Investor, a business show with 29 episodes published.

Our AI reads these to draft pitches. Use them as grounding for a pitch that cites a real guest and a specific topic.

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  Episode #30

  The Paycheck Benefit Most Women Never Use | Angie Scott

  Sep 23, 202645 min

  Visit Graceful Investor and join the community here: https://gracefulinvestor.com/ Tasia and Angie Scott break down the paycheck decisions most workplaces never explain, so you can put your own money to work with confidence. What You'll Learn Why an auto-enrolled retirement account can sit in cash for years without you knowing How to legally combine a 401(k), a Health Savings Account, and a Roth IRA for triple tax advantages The HSA reimbursement strategy that lets old receipts convert into a tax-free withdrawal later The real difference between a tax credit, a tax deduction, and a tax refund What to ask before your next financial advisor meeting Tasia sits down with Angie Scott, who spent 25 years in human resources and senior leadership, to walk through the paycheck decisions most women are never taught. They start with the most common blind spot: money automatically deducted for retirement that never actually gets invested, just sitting in cash. From there, Angie and Tasia work through how to legally combine tax-advantaged accounts (a 401(k) match, a Health Savings Account, and a Roth IRA can all work together), the lesser-known HSA strategy that lets years of saved receipts convert into a tax-free withdrawal later in life, and how 529 college savings plans and state tax credits actually work (a credit is not a check in the mail). They close with the exact questions every woman should bring into a financial advisor meeting, and why the right advisor answers them without hesitation. Figures discussed are illustrative examples, not guarantees, and account limits and rules change by year and by state, so always confirm current numbers with your plan provider or a licensed professional. This conversation is for anyone earning a paycheck, running a side hustle, or building a retirement plan on their own, especially if no one ever sat you down and explained how these accounts actually work together. Timestamps 0:00 - Welcome + meet Angie Scott 8:22 - Step one: the employer resources you don't know exist 13:46 - How 401(k) matching actually works 17:03 - The mistake: auto-enrolled and never invested 19:25 - Health Savings Accounts explained 22:15 - The HSA reimbursement strategy 24:12 - Roth IRA rules and income limits 32:15 - 529 plans and state tax credits 37:00 - Retirement options for the self-employed 39:04 - What to ask your financial advisor 34:36 - Tax credit vs. tax refund: the mistake most women make Disclaimer The content shared on this channel is for educational and entertainment purposes only and should not be considered financial, legal, or investment advice. Always consult with a qualified financial professional before making investment decisions. The host is not a licensed financial advisor. All investments carry risk, including the potential loss of principal. About Graceful Investor Graceful Investor website: https://gracefulinvestor.com/ Find Tasia on IG: https://www.instagram.com/gracefulinvestor/ #GracefulInvestor #WomenInvesting #FinancialLiteracy #WealthBuilding

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  Episode #29

  What a Global Savings-Group Director Knows About Money Most Americans Don't | Lesly Jules

  Sep 16, 202637 min

  Visit Graceful Investor and Join the Community here: https://gracefulinvestor.com/ Watch Next How Smart Women Turn Their Wardrobe Into Wealth: https://youtu.be/hXYC6YTO1eI Lesly Jules of HOPE International explains why her savings groups skip money talk for the first four months. Subscribe for more conversations on building real financial security, on your own terms. Lesly Jules is a regional director with HOPE International, a global nonprofit that runs savings groups and microfinance programs in dozens of countries. Tasia talks with Lesly about how these women-led savings groups meet in groups of fifteen to twenty-five, save toward twelve-month goals alongside a shared emergency fund, and deliberately avoid discussing money at all for the first four months. That waiting period exists to build trust before capital, and Lesly explains why skipping it is why so many peer-lending and savings programs fail. The conversation turns to debt, and Lesly notes that most savings-group members, without ever hearing of Dave Ramsey or his Financial Peace University course, live by his core rule: if you can't buy something in cash, you can't afford it. Tasia adds the line that frames the segment — the borrower is slave to the lender — and Lesly contrasts a 24% commercial-bank loan rate with rates as high as 45% at some microfinance institutions, explaining why HOPE International structures its own lending differently, with loan officers who prioritize a client's success over collecting at any cost. Tasia connects Lesly's savings-group model to a pattern she sees in American women: physicians carrying $200,000 to $300,000 in medical-school debt, a high-paying job that still takes 10 years to pay it off, and a burden that savings-group members starting from zero never carry. Lesly's own teaching tool — asking a room of women how much a dollar-a-day habit adds up to over 18 years — reflects the same discipline HOPE International has scaled to thousands of savings groups and millions of members over 30 years, funded through loans that get relent four to five times before the capital moves on to someone else. Lesly and Tasia also talk about social capital, financial stewardship, and why isolation, not income, is often the bigger obstacle to a woman's financial confidence, whether she lives in Durham, North Carolina, or a savings group in Haiti. It's a conversation about accountability, dreaming past a five-year horizon, and what it looks like to build financial security without waiting for someone else to hand you permission. TIMESTAMPS 0:00 - Lesly Jules Joins Graceful Investor 1:35 - From Haiti to HOPE International 6:14 - Inside a HOPE Savings Group 8:18 - Why Savings Groups Skip Money Talk 11:40 - The $1-a-Day Savings Challenge 20:46 - The Real Cost of American Debt 22:35 - Dave Ramsey's Debt-Free Rule 29:03 - How HOPE Lends Differently DISCLAIMER The content shared on this channel is for educational and entertainment purposes only and should not be considered financial, legal, or investment advice. Always consult with a qualified financial professional before making investment decisions. The host is not a licensed financial advisor. All investments carry risk, including the potential loss of principal. ABOUT GRACEFUL INVESTOR Visit Graceful Investor and Join the Community here: https://gracefulinvestor.com/ Learn more about this episode's guest organization at hopeinternational.org . #GracefulInvestor #WomenInvesting #FinancialLiteracy #SavingsGroups

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  Episode #28

  You Might Not Qualify for a Mortgage After Divorce (Here's Why)

  Sep 8, 202617 min

  Join the Graceful Investor Newsletter : https://gracefulinvestor.com/ Getting divorced? Two moves protect your credit before anything else: check your score, then freeze it. Subscribe for the money conversations that happen too late. Tasia breaks down what your credit score actually does in a divorce, the blind spots that catch women off guard during the process, and why a good score by itself may not be enough to get you into your next home. WHAT YOU'LL LEARN - The two steps to take the moment a separation starts - Why a lender can pursue you for a full joint balance regardless of your agreement - What happens to your utilization when your name comes off an authorized user card - How to find a card or loan opened in your name without you knowing - Why 24 months of earned income history can matter as much as your score A credit score is the number a lender, a landlord or a card issuer uses to decide whether to say yes to you. Tasia opens by explaining what that number communicates on your behalf, and why it becomes a gatekeeper the moment a marriage starts to come apart. Her first two action steps are practical and free: pull your score on Credit Karma, which reports data from TransUnion and Experian, then freeze your credit so no one can open new lines of credit in your name while your finances are still tangled together. Most of the episode sits with the blind spots. Tasia walks through joint debt and what a lender will and will not honor. In her illustrative example, a couple carrying $80,000 in shared credit card debt agrees to split it evenly. That agreement binds the two of them. It does not bind the card issuer, which can pursue either name on the account for the entire balance. Repayment terms belong in writing with your attorney, not in a handshake with your ex. The difference between an authorized user and a joint account holder is the mechanism most people miss. An authorized user can be removed at the primary cardholder's discretion, and removal shrinks your available credit. In Tasia's illustrative math, a $30,000 balance against $100,000 in available credit is 30% utilization; the same balance against $50,000 is 60%, and utilization that high generally pulls a score down. She also describes sitting with women who log into Credit Karma expecting three cards and find a fourth, opened in their name using their Social Security number, plus the phone call that gets that account canceled and reissued to an address they control. The largest blind spot arrives after the divorce is final. Housing, a car loan and a new credit card all require a credit score, but lenders typically also want to see 24 months of earned income history. A lower-earning spouse or a stay-at-home partner can come through the process with a clean score and still not qualify. Tasia covers what helps: a co-signer, creative financing such as several months of rent paid upfront, and opening a credit card while you are still married and the lender can see household income rather than individual income. She closes with her own recent credit card denial as a stay-at-home mom, which is the reason she made this episode. TIMESTAMPS 0:00 - Your Credit Score in a Divorce 2:57 - Check Your Score, Then Freeze It 6:02 - Joint Debt and Who Lenders Chase 7:55 - Authorized User vs. Joint Account 9:43 - Hidden Debt Opened in Your Name 11:15 - Car Titles, Rent and Mortgage 14:08 - The Post-Divorce Income Problem 15:12 - Open a Card While Still Married DISCLAIMER The content shared on this channel is for educational and entertainment purposes only and should not be considered financial, legal, or investment advice. Always consult with a qualified financial professional before making investment decisions. The host is not a licensed financial advisor. All investments carry risk, including the potential loss of principal. ABOUT GRACEFUL INVESTOR Graceful Investor is hosted by Tasia. The channel covers budgeting, saving, investing, estate planning and what to do with your money during a divorce, for women ready to take control of their financial lives. Free monthly book club: https://gracefulinvestor.com/book-club #GracefulInvestor #WomenAndMoney #DivorceFinances #CreditScore

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  Episode #27

  What I Actually Needed to Hear When I Was Getting Divorced

  Sep 2, 202612 min

  What not to say to someone going through a divorce, and the four things to say instead that actually help. Tasia breaks down the phrases that unintentionally hurt someone going through divorce, and exactly what to say instead so they know you're really there for them. WHAT YOU'LL LEARN The common phrases that feel dismissive to someone going through divorce, even when they're well-intentioned Why "I understand" can feel disingenuous unless you've actually lived it yourself The "magic question" that gives a struggling friend real, actionable support How to offer help with a concrete plan instead of an open-ended "let me know if you need anything" Why judging how someone is coping, or how long their marriage lasted, misses the point Divorce is one of the biggest inflection points a person can go through, and the people around them often don't know what to say. In this episode, Tasia shares the phrases she heard most often during her own divorce that, however well-meaning, didn't land the way the person saying them probably intended. She breaks down the list: "But you seem so happy," which ignores that a happy photo doesn't mean a happy marriage. "So what are you gonna do?", which can read as doubt in someone's ability to rebuild on her own. Assuming a spouse will "be fair" in the process, or that a "great mom" or "great dad" automatically deserves more custody, when no one outside a marriage really knows what happened inside it. Asking why someone was unfaithful, which usually signals curiosity about the drama rather than genuine care. Dismissing a shorter marriage, or an unmarried long-term relationship, as an easier loss. And "I understand," which, unless it's true, can feel disingenuous no matter how kindly it's meant. Then Tasia flips it: four things that actually help. Ask how they're feeling. Reflect back what they tell you. Ask the magic question — "How can I support you right now?" And if they don't know, offer something concrete, like a standing weekly check-in, instead of a vague, open-ended offer that puts the work back on them. This episode is for anyone who has a friend, sibling, or adult child going through a divorce and genuinely doesn't know what to say. Small, specific gestures of support go a long way. TIMESTAMPS 0:00 - Welcome to Graceful Investor 3:00 - Why This List Is Personal 3:35 - "But You Seem So Happy" 3:59 - "So What Are You Gonna Do?" 4:48 - "I Understand" Isn't It 5:15 - Judging Who's the Better Parent 6:01 - Four Things to Say Instead 9:42 - The Magic Question DISCLAIMER The content shared on this channel is for educational and entertainment purposes only and should not be considered financial, legal, or investment advice. Always consult with a qualified financial professional before making investment decisions. The host is not a licensed financial advisor. All investments carry risk, including the potential loss of principal. ABOUT GRACEFUL INVESTOR Get Our Newsletter: https://gracefulinvestor.com/ Join The Book Club: https://gracefulinvestor.com/book-club Find Us on Instagram: https://www.instagram.com/gracefulinvestor/ #GracefulInvestor #WomenInvesting #DivorceSupport #WealthBuilding

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  Episode #26

  Divorce Attorney Says If You're Getting Divorced, Protect These Assets First

  Aug 27, 202649 min

  Join the Graceful Investor Community : https://gracefulinvestor.com/ Divorce attorney Wendy Kaufman rebuilt from a 500 credit score to a career protecting women through their own divorces. Tasia breaks down Wendy Kaufman's own divorce story to help you protect your money before, during, and after a life transition. WHAT YOU'LL LEARN Why hidden assets like personal goodwill, crypto, and pensions get missed in a divorce settlement How to build independent credit before you need it, and why leases count too The life insurance move that protects unpaid child support if an ex passes away Why negotiating directly with a spouse during divorce backfires How Wendy rebuilt from a 500 credit score to a licensed divorce attorney Wendy Kaufman spent nearly two decades as a stay-at-home mother before her marriage ended in a set of circumstances she never saw coming. Her then-husband, who she believed was working in insurance sales, was arrested for dealing cocaine. The divorce that followed left her with a credit score in the 500s, a house she couldn't afford to keep, and four children relying on her to figure out what came next. Kaufman is now a family law attorney, licensed mediator, and guardian ad litem in Indiana, and she has spent the years since her own divorce turning what she learned the hard way into a practice built on preventing other women from repeating her mistakes. In this conversation with Tasia, she walks through the financial blind spots that cost her the most: a hands-off approach to household money, a joint account that quietly drained a small inheritance, and a credit history that existed almost entirely in her ex-husband's name. She also breaks down the assets divorce attorneys see get missed most often. Crypto is difficult to track and value. A spouse's personal goodwill, the skill a surgeon or financial advisor brings to their own practice, can't be assigned a dollar value in a business valuation, even when shares in the underlying company can. Pensions, increasingly rare but still valuable, require a present-value calculation most people never think to request. And for anyone owed long-term child support, Kaufman explains why she kept a term life insurance policy on her own ex-husband using an insurable interest, and what that kind of policy actually costs. The conversation closes on the advice Kaufman gives every woman she works with: build credit independently during the marriage, never negotiate divorce terms directly with a spouse, and keep at least a toe in the workforce even during years spent at home. Kaufman rebuilt her credit, her career, and her family's finances from the bottom. She talks through exactly how. DISCLAIMER The content shared on this channel is for educational and entertainment purposes only and should not be considered financial, legal, or investment advice. Always consult with a qualified financial professional before making investment decisions. The host is not a licensed financial advisor. All investments carry risk, including the potential loss of principal. #GracefulInvestor #WomenInvesting #DivorceAndMoney #WealthBuilding

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