Money and Motion: You're over 50 and your money situation is not where you thought it would be.

About Money and Motion: You're over 50 and your money situation is not where you thought it would be.

You're over 50 and your money situation is not where you thought it would be. The worry keeps you up at night. The math you keep avoiding. That voice telling you that you should have figured this out by now. But the choices you made got you here. You raised kids. You went through a divorce. You put everyone else first. And those were the right calls at the time. Now it's time to move forward. Josefina Bonilla Velez created Money and Motion to help women over 50 take control of their finances and start building toward the future they actually want. With research, honest conversation, and practical steps for saving, investing, and getting out of debt. Because both money and life are always in motion. Please note that these are my opinions and not those of my employer.

Publisher

Josefina Bonilla Velez

Category

business · education

Language

en

Explicit

No

First episode

17 Dec 2025

Latest episode

14 Oct 2026

Latest episodes

37 episodes in the feed.

1. 

   14 Oct 2026

   Retirement Money or Peace? I Gave Up $225,000 for Peace

   Retirement Money or Peace? I Gave Up $225,000 for Peace Facing a gray divorce? I signed away $225,000 of retirement money to get out, and starting over after divorce showed me what it cost. Subscribe Now! Let's move forward together and keep your money in your pants. When the fighting will not stop, letting him keep the 401k can feel like peace. I made that trade in my divorce, and at 6% a year my half would be worth over $500,000 today. Emotional decisions made in the worst week of a divorce can turn into financial regret for decades. Bowling Green researchers found that in a divorce after 50, a woman's standard of living drops 45 percent, a man's drops 21 percent, and both lose about half their wealth. Before any divorce settlement, put every account on one sheet and take it to a divorce lawyer or planner. In this video: - Why I gave up $225,000 of his retirement account, and what life after divorce looks like when you know the number - The one sheet of paper for divorce finances: every account, and how much went in while you were married - What a qdro is (a qualified domestic relations order) and the one question to ask before you sign - Why the house and his retirement are not an even trade, and the divorce advice I wish I had heard - How to choose peace or the money, knowing the number This is part of my gray divorce series on women over 50 money: divorce recovery, retirement planning for women, women over 50 finances, women over 50 retirement, and the money emotions behind women financial regret. Personal finance women over 50 can use, with a money mindset women over 50 can live with, whether you are starting over at 50 or later. You can leave the marriage and still take your share of the money. —— 🌐 Website: https://moneyandmotionpodcast.com (https://moneyandmotionpodcast.com) Get Your Workbook Here: https://josefina588.gumroad.com/l/twxuq (https://josefina588.gumroad.com/l/twxuq) ▶ Watch next: 5 Income Streams Women Over 50 Can Start Now → https://www.youtube.com/watch?v=SXa2sUAdpMo (https://www.youtube.com/watch?v=SXa2sUAdpMo) Chapters: 0:00 The decision I made in my divorce 2:13 What the money and the research show 4:37 Choosing with the number in front of you The content on this channel is created for informational and entertainment purposes only and reflects Josefina's personal opinions based on her life experience and independent research. Josefina's opinions do not reflect those of her employer. Josefina is not a licensed attorney, CPA, insurance agent, or financial advisor. Nothing on this channel should be considered tax, legal, insurance, safety, or financial advice. When specific stocks or companies are mentioned, Josefina may hold a personal ownership interest. This channel may include affiliate links. Any offers, rates, or figures discussed are subject to change, so always verify current terms directly with the source. Some offers mentioned in older videos may no longer be available. Do not make buying or selling decisions based solely on this content. For guidance specific to your situation, consult a qualified professional. Always do your own due diligence. Thank you for being part of the Money and Motion community. 📚 Sources: • Lin, I-F., & Brown, S. L. (2021). The Economic Consequences of Gray Divorce for Women and Men. The Journals of Gerontology: Series B. • U.S. Department of Labor. Qualified Domestic Relations Orders under ERISA: A Practical Guide. • Note: "over $500,000" assumes 6% a year, 2010 to 2026 ($571,579). An illustration, not actual account results. #WomenOver50 #MoneyAndMotion #GrayDivorce

2. 

   7 Oct 2026

   Sell the House or Stay? Staying Costs More Than Your Mortgage

   Sell the House or Stay? Staying Costs More Than Your Mortgage Asking should I sell my house? Here is how to see what selling a house or downsizing in retirement gives you back each month. Subscribe Now! Let's move forward together and keep your money in your pants. When I got divorced, I held on to my house so my boys would feel stability, and later I bought a house just for the three of us. Owning a home costs a lot more than the mortgage, and most of us have never added it up. Whether you are starting over at 50 or staying put, we find what staying costs you each month and what selling would give back. I am not telling you to downsize. This is retirement advice and personal finance women over 50 can use to choose with the numbers in front of you, and a money mindset women over 50 can keep. The math starts at 1:54. In this video: - How to find what staying costs you each month, a first step in retirement planning for women over 50 finances and women over 50 retirement - How to sell your house on paper first: what you walk away with after the payoff and selling costs - Downsizing for retirement or staying put: how to compare a smaller place, and the downsizing mistakes to avoid - Why holding on feels safer, from a 2001 housing study, plus the money psychology, money stress and money emotions behind it - How to downsize without financial regret, and what retirement living and retirement lifestyle can look like, from downsizing your home to downsizing for seniors Example math (run your own): staying costs $2,280 a month. Sell for $300,000, owe $90,000, about $18,000 to sell: you keep about $192,000. A $1,700 smaller place saves $580 a month. At about 4 percent in high-yield savings (checked October 2026), $192,000 earns about $640 a month. Total: about $1,220 a month. This is what staying costs me. —— 🌐 Website: https://moneyandmotionpodcast.com (https://moneyandmotionpodcast.com) Get Your Workbook Here: https://josefina588.gumroad.com/l/twxuq (https://josefina588.gumroad.com/l/twxuq) ▶ Watch next: 5 Income Streams Women Over 50 Can Start Now → https://www.youtube.com/watch?v=SXa2sUAdpMo (https://www.youtube.com/watch?v=SXa2sUAdpMo) Chapters: 0:00 Why I held on to my house 1:54 What staying costs and what selling gives back 3:50 What you love about the house and what it costs you 4:18 Where the money goes from here The content on this channel is created for informational and entertainment purposes only and reflects Josefina's personal opinions based on her life experience and independent research. Josefina's opinions do not reflect those of her employer. Josefina is not a licensed attorney, CPA, insurance agent, or financial advisor. Nothing on this channel should be considered tax, legal, insurance, safety, or financial advice. When specific stocks or companies are mentioned, Josefina may hold a personal ownership interest. This channel may include affiliate links. Any offers, rates, or figures discussed are subject to change, so always verify current terms directly with the source. Some offers mentioned in older videos may no longer be available. Do not make buying or selling decisions based solely on this content. For guidance specific to your situation, consult a qualified professional. Always do your own due diligence. Thank you for being part of the Money and Motion community. 📚 Sources: • Genesove, D., & Mayer, C. (2001). Loss Aversion and Seller Behavior: Evidence from the Housing Market. Quarterly Journal of Economics. • High-yield savings rates checked October 2026 (CNBC Select, Yahoo Finance). #WomenOver50 #MoneyAndMotion #Downsizing

3. 

   30 Sept 2026

   Should You Get a Dog When You Retire? Here's What Mine Costs

   Should You Get a Dog When You Retire? Here's What Mine Costs The real cost of owning a dog never made it into my retirement planning, and then the dog boarding bill landed. Subscribe Now! Let's move forward together and keep your money in your pants. I kept putting a dog into my retirement picture and never once put the dog into my retirement number. Mika's kennel bill was almost $900 for one trip, the same as my Airbnb that week. Here I run the whole thing: what boarding costs now, what one dog costs a year, and the three steps that say whether a dog fits the retirement you are building. Start at 2:50 for the money. In this video: - Count the nights you were away last year, the number that drives your budget for women over 50 - What boarding runs a night, and why I will always pay more than the cheapest place - The yearly figure nobody quotes when you ask should i get a dog, and what it comes to a month - The 1994 study on why we guess low, and how that money psychology shows up in emotional spending, money anxiety and financial anxiety - Five ways it still works, from a smaller dog to pet adoption to fostering, so the answer is never a flat no Know what you are saying yes to before someone puts that little face in front of you. —— 🌐 Website: https://moneyandmotionpodcast.com (https://moneyandmotionpodcast.com) Get Your Workbook Here: https://josefina588.gumroad.com/l/twxuq (https://josefina588.gumroad.com/l/twxuq) ▶ Watch next: 5 Income Streams Women Over 50 Can Start Now → https://www.youtube.com/watch?v=SXa2sUAdpMo (https://www.youtube.com/watch?v=SXa2sUAdpMo) Chapters: 0:00 Dreaming of Retirement with a Dog 2:50 The Hidden Costs of Pet Ownership 5:14 Planning for a Pet in Retirement For anyone starting over at 50 and rebuilding women over 50 finances. Whether it is women over 50 retirement, late start retirement, or no retirement savings at 50, price it before you fall in love with it. That is money management and money mindset women over 50, the part of retirement planning for women and financial regret nobody puts in the brochure. Your money story and the money guilt underneath it are in there too. If you adopt a pet, price pet insurance. The content on this channel is created for informational and entertainment purposes only and reflects Josefina's personal opinions based on her life experience and independent research. Josefina's opinions do not reflect those of her employer. Josefina is not a licensed attorney, CPA, insurance agent, or financial advisor. Nothing on this channel should be considered tax, legal, insurance, safety, or financial advice. When specific stocks or companies are mentioned, Josefina may hold a personal ownership interest. This channel may include affiliate links. Any offers, rates, or figures discussed are subject to change, so always verify current terms directly with the source. Some offers mentioned in older videos may no longer be available. Do not make buying or selling decisions based solely on this content. For guidance specific to your situation, consult a qualified professional. Always do your own due diligence. Thank you for being part of the Money and Motion community. 📚 Sources: - Buehler, Griffin & Ross (1994). Exploring the planning fallacy. J. Personality and Social Psychology, 67(3). - Rover (2026). Cost of Dog Parenthood. Annual dog costs $1,930 to $5,305. - HomeGuide, Dogster (2026). Boarding $40 to $75 a night, premium $75 up. - Note: the 1994 study measured time, not money. Extending it to cost is the common reading, not a finding of that paper. #WomenOver50 #MoneyAndMotion #RetirementPlanning

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Apple Podcasts (US)

5.0 / 5

8 ratings

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