What is up? I'm Grace Beverly and welcome back to Working Hard, the podcast

shared guide book on how to improve your own life and achieve what you actually dreamed of doing,

because life's too short for boring podcasts and bad advice.

What is up and welcome back to Working Hard. Today's episode is what I've been wanting to make

for ages because it's about something that most of us never really learned enough about

at school, but it affects literally every single part of our lives, whether we like it or not.

And that topic is money. Now, before we get into it, I want to make something very, very clear.

I am not a financial advisor. This episode is based on what I have learned through my own experience,

research and conversations with proper experts. It is for education only, not personalized

financial advice. Everyone's situation is different. So if you are making big decisions, please speak to a qualified professional. I will say the reason I always want to do these types of episodes is the access that each of us have had to conversations about money and expertise about money is so dependent on privilege and dependent on the types of environments we grew up in and the types of

education we got. And speaking about money is one of the most important things that I think we can

do to start level more playing fields and start allowing each of us to be able to rewrite our

future no matter where we came from and be able to really have control over our money in the way

that we want to.

Now we've covered that. Let's get into it. Today we are talking about budgeting, saving,

investing, debt and money mindset. Not in the usual kind of cut your ice latte and buy a

house way, but I wanted to tackle it in a way that actually feels achievable, empowering and

grounded in reality. Because whatever stage you're at in your

career journey and whatever starting point you've come from, money stress can take over your whole

life if you do not have a system. And let me be clear with you, managing your money like a pro

does not mean becoming a spreadsheet obsessed finance pro. There are so many tools out there and so much

assistance out there now that you never really need to become like that unless you want to. It just means creating a plan

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