Money and Motion: You're over 50 and your money situation is not where you thought it would be.
Claim This Podcastby Josefina Bonilla Velez
Podcast Overview
<p>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.</p><p><br />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.<br /><br />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.<br /><br />Because both money and life are always in motion.<br /><br />Please note that these are my opinions and not those of my employer.</p>
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Publishing Since
12/17/2025
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Recent Episodes
August 5, 2026
Your Paycheck Has an End Date. Here's How to Find Yours
<p>Your Paycheck Has an End Date. Here's How to Find Yours</p><p>You ran the quitting movie again this morning. A date on a calendar works better. Subscribe Now! Let's move forward together and keep your money in your pants.</p><p> </p><p>Episode 1 of The Last Working Years. If you have ever typed can I afford to quit my job into a search bar at midnight, this is the answer the search never gives you: the napkin math that turns the money you already control into months of runway, and months into a date on your calendar. The villain is the escape fantasy, and a 2011 NYU study explains why the daydream about leaving keeps women over 50 finances stuck in money stress: the daydream replaces the planning. </p><p> </p><p>In this video:</p><p>- Why the quit my job daydream keeps you stuck: the money psychology of the escape fantasy, and the NYU research on why fantasizing saps the planning</p><p>- The napkin math: money you already control divided by your monthly number equals months of runway, and why severance and unemployment count as zero when leaving is your choice, not a layoff</p><p>- The runway date, and why one marked day quiets years of money anxiety, financial anxiety, and money worries</p><p>- The three numbers to collect this week without telling a soul at work, for personal finance women over 50 doing retirement planning on a late start retirement clock, even with no retirement savings at 50</p><p>- Ordinary Tuesdays change: less money avoidance, more money management, whether you are starting over at 50 or planning income after 50</p><p> </p><p>Women financial regret grows in the dark, the money mindset women over 50 need starts with one square, and make money over 50 decisions follow. That is where women over 50 retirement begins.</p><p> </p><p>Give the dream a number and a date.</p><p> </p><p>🌐 Website: <a rel="noopener noreferrer nofollow" href="https://moneyandmotionpodcast.com" target="_blank">https://moneyandmotionpodcast.com</a></p><p>Get Your Workbook Here: <a rel="noopener noreferrer nofollow" href="https://josefina588.gumroad.com/l/twxuq" target="_blank">https://josefina588.gumroad.com/l/twxuq</a></p><p>▶ Watch next: 5 Income Streams Women Over 50 Can Start Now → <a rel="noopener noreferrer nofollow" href="https://www.youtube.com/watch?v=SXa2sUAdpMo" target="_blank">https://www.youtube.com/watch?v=SXa2sUAdpMo</a></p><p> </p><p>Chapters:</p><p>0:00 That sentence in the car</p><p>0:35 What you will leave with</p><p>0:55 The escape fantasy</p><p>1:05 The easy math</p><p>1:40 Severance and unemployment do not count</p><p>2:10 Your runway date</p><p>2:40 The daydream research</p><p>3:45 My ending came without warning</p><p>4:25 Homework: three numbers</p><p>6:10 The better question</p><p>7:15 Back in the car</p><p> </p><p>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.</p><p> </p><p>📚 Sources:</p><p>• Kappes, H.B. & Oettingen, G. (2011). Positive Fantasies About Idealized Futures Sap Energy. Journal of Experimental Social Psychology.</p>
July 29, 2026
Bad Credit Cost Me More Than the Interest Rate
<p>Bad Credit Cost Me More Than the Interest Rate<br /><br />When your credit score is low, the interest rate is the cost everyone talks about, but financial shame keeps women stuck, avoiding what they actually owe. Josefina walks through the trifecta that tanked her own score (divorce, a new company, single mom with nothing liquid) and shows how money avoidance and financial self sabotage keep the number stuck long after the hard years end. This is personal finance women over 50 needs: what the score measures, how to check it free, dispute a report error, and why paying on time rebuilds it. If financial regret is the bill you've been avoiding, this is where you stop.<br /><br />In this video:<br />- Why financial shame and money avoidance keep bad credit stuck: the money psychology, money shame, and money emotions you never named out loud<br />- What your credit score actually measures: the money anxiety, money guilt, and money trauma behind starting over at 50 with a low number<br />- How to rebuild credit without opening anything new: the money mindset women over 50 need to get out of debt, and the money management move that reports once paid up<br />- Debt payoff strategy for women financial regret: pay off debt fast, dispute errors, let financial recovery happen through consistency<br />- The women over 50 finances timeline: financial healing, money stress, and the money story behind 6 months through 2 years<br /><br />Wherever your score is right now, that's just today, and it can move.<br /><br />——<br /><br />🌐 Website: <a rel="noopener noreferrer nofollow" href="https://moneyandmotionpodcast.com" target="_blank">https://moneyandmotionpodcast.com</a><br />Get Your Workbook Here: <a rel="noopener noreferrer nofollow" href="https://josefina588.gumroad.com/l/twxuq" target="_blank">https://josefina588.gumroad.com/l/twxuq</a><br />▶ Watch next: 5 Income Streams Women Over 50 Can Start Now → <a rel="noopener noreferrer nofollow" href="https://www.youtube.com/watch?v=SXa2sUAdpMo" target="_blank">https://www.youtube.com/watch?v=SXa2sUAdpMo</a><br /><br />Chapters:<br />0:00 The hidden cost nobody names<br />0:18 What bad credit actually costs you<br />0:33 Check your score, and what it actually means<br />1:31 The trifecta that tanked my score<br />2:46 One in three<br />3:06 What you actually owe, and how to check it<br />3:46 If it's real: the one call that matters<br />4:03 You don't need to open anything new<br />4:36 The timeline: 6 months to 2 years<br />5:26 Wherever you are, it's just today<br /><br />A follow-up video on rebuilding credit is coming soon.<br /><br />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. <br />📚 Sources:<br />• Urban Institute (2014). Delinquent Debt in America. <a rel="noopener noreferrer nofollow" href="http://urban.org" target="_blank">urban.org</a><br />• Federal Trade Commission (2013). Report on Credit Report Accuracy. <a rel="noopener noreferrer nofollow" href="http://ftc.gov" target="_blank">ftc.gov</a><br /><br />#WomenOver50 #MoneyAndMotion #FinancialShame</p>
July 22, 2026
Claim Social Security at 62 or 70? By 80 the Difference Is Almost Nothing
<p>Claim Social Security at 62 or 70? By 80 the Difference Is Almost Nothing</p><p>The waiting was never about the math. It was about a rule you inherited and never questioned.</p><p>Subscribe Now! Let's move forward together and keep your money in your pants.</p><p>Somewhere along the way, women over 50 finances came with a rule: the responsible thing is to wait. So the second you think about claiming social security at 62, the money shame starts and the money anxiety keeps you doing 2am math. This episode is money psychology applied to one decision. I ran the totals to 80 for starting at 62, at 65, and at 70, and the answer surprised me. The difference after 18 years? $2,400. One monthly check. Whether you are starting over at 50, carrying no retirement savings at 50, or planning the income after 50 you will live on, three questions hand this decision back to you. The totals are at 4:27 if you want the numbers first.</p><p>In this video:</p><p>- The runway question: the question that reframes women over 50 retirement, and it has nothing to do with your bank account</p><p>- Where the shame comes from: the money mindset women over 50 were raised on, and the money beliefs behind the financial shame and money guilt of filing first</p><p>- The totals to 80: the social security tips nobody runs for you, and why the late start retirement gap shrinks to a single check</p><p>- The regret test: how women financial regret flips with time, and what fear of money does to the years you spend waiting</p><p>- Ten minutes of homework for social security women deciding between 62 and 70: three estimates, three totals, and the retirement planning for women that ends the money stress, the financial anxiety, and the financial fear</p><p>You made the call that nobody else can.</p><p>——</p><p>🌐 Website: <a rel="noopener noreferrer nofollow" href="https://moneyandmotionpodcast.com" target="_blank">https://moneyandmotionpodcast.com</a></p><p>Get Your Workbook Here: <a rel="noopener noreferrer nofollow" href="https://josefina588.gumroad.com/l/twxuq" target="_blank">https://josefina588.gumroad.com/l/twxuq</a></p><p>▶ Watch next: 5 Income Streams Women Over 50 Can Start Now → <a rel="noopener noreferrer nofollow" href="https://www.youtube.com/watch?v=SXa2sUAdpMo" target="_blank">https://www.youtube.com/watch?v=SXa2sUAdpMo</a></p><p>Chapters:</p><p>0:00 The question: can I start collecting at 62?</p><p>0:51 How your check is calculated</p><p>1:20 Question one: the runway question</p><p>2:09 Sandy, shame, and the waiting rule</p><p>4:27 Question two: the totals to 80</p><p>5:50 Question three: the regret test</p><p>7:07 The decision is yours</p><p>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.</p><p>📚 Sources:</p><p>• Chetty, R., et al. (2016). The Association Between Income and Life Expectancy in the United States, 2001–2014. JAMA.</p><p>• Gilovich, T., & Medvec, V. H. (1995). The Experience of Regret: What, When, and Why. Psychological Review.</p><p>#WomenOver50 #MoneyAndMotion #SocialSecurity</p>
29 total episodes available
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- What is Money and Motion: You're over 50 and your money situation is not where you thought it would be.?
<p>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.</p><p><br />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.<br /><br />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.<br /><br />Because both money and life are always in motion.<br /><br />Please note that these are my opinions and not those of my employer.</p> - How often does this podcast release new episodes?
This podcast updates daily.
- Where can I listen to this podcast?
This podcast is available on 4 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.
- Does this podcast accept guests?
No, this podcast does not typically feature guests.
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