Savvy Women Talk Money

Hosted by Savvy Women Wealth Management

Business Investing Education

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Episodes

107

Latest episode

Aug 2026

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EN-US

About the show

You've spent a lifetime using your strengths as a woman to make smart decisions about life. Isn't it time to apply those same strengths to making financial decisions and investing? Listen in and learn how to apply your natural strengths as a woman to managing your finances and investing so you can accomplish more with your money. Without giving up lattes, wine or mani-pedis. Hosted by Catherine Magaña, CFP® & Rachel Ivanovich, EA, MBA Savvy Women Wealth Management is an SEC Registered Investment Advisor

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August 19, 2026Episode 210 min

When Your Paycheck Stops At Retirement, What Replaces It?

Retirement changes more than your daily routine—it changes where your income comes from. After decades of receiving a regular paycheck, suddenly you're responsible for creating one yourself. So when that employer paycheck stops, what replaces it? In this episode of Savvy Women, Catherine Magaña and Rachel Ivanovich discuss one of retirement's biggest financial and emotional transitions: going from saving and accumulating wealth to relying on it for income. They discuss why your income changes in retirement and how multiple sources can work together to support the life you've planned. You'll learn about: • How Social Security can become part of your retirement income • How investments, pensions, and rental income can work together • Why cash reserves can help during periods of market volatility • How taxes and withdrawal timing can impact where you take income from • Why creating a predictable monthly paycheck can provide greater peace of mind • How to prepare for larger expenses like a new car, home repairs, travel, or helping family • Why coordinating your income sources is more effective than relying too heavily on one account Your work paycheck may stop when you retire—but your need for income doesn't. The key is having a plan for what replaces it. Click on the following link to schedule a free consultation. https://savvyup.com/consultation/ Date Recorded 8/13/26 Disclosure: Savvy Women Wealth Management is an SEC Registered Investment Advisor The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional. Tax considerations presented may not be appropriate every individual circumstance. A tax professional should be consulted before making any decisions about your tax liability. savvyup.com | 760.692.5700

August 12, 2026Episode 111 min

You Need A Retirement Income Plan, Not A Rule!

There's no magic number when it comes to retirement income. While rules like the 4% withdrawal rule can offer a starting point, your retirement deserves more than a one-size-fits-all formula. In this episode, Catherine Magaña and Rachel Ivanovich explain why retirement income planning requires a personalized strategy built around your lifestyle, spending needs, Social Security, pensions, investments, taxes, healthcare costs, and long-term goals. They also explore how inflation, market volatility, and sequence-of-returns risk can affect how much income your portfolio can sustainably provide. You'll discover why: Investment performance and retirement income aren't the same thing Your spending needs can change throughout retirement A retirement plan shouldn't be "one and done" Regularly revisiting your income strategy can help you adapt as life changes The goal isn't to find the perfect withdrawal rule. It's to create a flexible retirement income plan that helps you spend with confidence and live the retirement you've worked so hard to enjoy. Click on the following link to schedule a free consultation. https://savvyup.com/consultation/ Date Recorded 8/05/26 Disclosure: Savvy Women Wealth Management is an SEC Registered Investment Advisor The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional. Tax considerations presented may not be appropriate every individual circumstance. A tax professional should be consulted before making any decisions about your tax liability. savvyup.com | 760.692.5700

August 5, 2026Episode 1009 min

Should A Conversation Ever Become An Investment decision?

When someone recommends a stock, crypto opportunity, or the latest hot investment, should that conversation become your next investment decision? More importantly, are you following your plan—or theirs? In this episode of Savvy Women, Catherine Magaña and Rachel Ivanovich explore why even intelligent investors can be influenced by social proof, fear of missing out, and the confidence of others. Learn why disciplined investors don't ignore new ideas—they evaluate them through the lens of their financial plan before taking action. Whether the conversation starts at a barbecue, on the golf course, or over coffee, you'll discover how to separate great conversations from smart investment decisions while keeping your plan at the center of every financial choice. In this episode, you'll learn: Why investment conversations can quietly influence your decisions. The difference between curiosity and commitment. Questions successful investors ask before investing. How social proof and FOMO can impact your judgment. Why every investment should fit your financial plan, goals, and risk tolerance. Before your next investment conversation turns into an investment decision, watch this episode and make sure your financial plan—not someone else's opinion—is leading the way. Click on the following link to schedule a free consultation. https://savvyup.com/consultation/ Date Recorded 7/30/26 Disclosure: Savvy Women Wealth Management is an SEC Registered Investment Advisor The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional. Tax considerations presented may not be appropriate every individual circumstance. A tax professional should be consulted before making any decisions about your tax liability. savvyup.com | 760.692.5700

July 22, 2026Episode 9911 min

The Costly Mistake Of Missing Your Employer Match

Every year, countless employees unknowingly walk away from one of the most valuable workplace benefits available. The surprising part? Many are busy chasing investment returns while overlooking an opportunity that could have an immediate impact on their retirement savings. In this episode of Savvy Women, Catherine and Rachel explain why your employer match should be one of the first building blocks of your retirement plan. They discuss why this often-overlooked benefit deserves priority before speculative investments, how small decisions today can compound into meaningful wealth over time, and the costly mistake that could quietly reduce your future retirement income. In this episode, you'll learn: Why an employer match may be one of the smartest financial opportunities available The hidden cost of delaying or skipping matching contributions Why chasing investment trends before building a strong foundation can backfire Simple steps to strengthen your retirement strategy from the start If you've ever wondered whether you're making the right financial priorities, this conversation may change the way you think about investing—and help ensure you're not missing out. Click on the following link to schedule a free consultation. https://savvyup.com/consultation/ Date Recorded 7/16/26 Disclosure: Savvy Women Wealth Management is an SEC Registered Investment Advisor The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional. Tax considerations presented may not be appropriate every individual circumstance. A tax professional should be consulted before making any decisions about your tax liability. savvyup.com | 760.692.5700

July 15, 2026Episode 989 min

Are You Following A Plan Or The Crowd?

It seems like there's always a new "must-own" investment making headlines. But is it truly right for you, or are you just feeling the pressure to keep up? In this episode of Savvy Women, Catherine and Rachel explore how the fear of missing out (FOMO) can quietly influence investment decisions—and why following the crowd isn't always the path to long-term success. You'll discover: • Why investment hype can cloud good judgment. • How to recognize when emotions are driving your decisions. • The difference between following a trend and following a financial plan. • Why disciplined investors are willing to miss a few opportunities to pursue lasting wealth. The best investors aren't the ones chasing every headline—they're the ones making thoughtful decisions that align with their goals. Tune in to learn how to invest with confidence, avoid costly emotional mistakes, and make sure your money is working toward your future—not someone else's. Click on the following link to schedule a free consultation. https://savvyup.com/consultation/ Date Recorded 7/09/26 Disclosure: Savvy Women Wealth Management is an SEC Registered Investment Advisor The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional. Tax considerations presented may not be appropriate every individual circumstance. A tax professional should be consulted before making any decisions about your tax liability. savvyup.com | 760.692.5700

July 8, 2026Episode 9710 min

How Smart Investors Decide If An IPO Is Worth Buying

A great company doesn't automatically make a great investment. Join Catherine and Rachel as they reveal how smart investors evaluate valuation, expectations, and long-term fit to determine whether an IPO is truly worth it. With new IPOs regularly capturing investors' attention, it can be difficult to separate opportunity from excitement. Learn why successful investors focus on a disciplined investment process rather than chasing headlines, and discover how asking the right questions can lead to more confident, informed decisions. In this episode, you'll discover: Why a popular IPO isn't automatically a smart investment. How valuation can have a bigger impact than the company's name. The dangers of making investment decisions based on hype and FOMO. The key questions disciplined investors ask before buying an IPO. How to determine whether an IPO belongs in your long-term investment strategy. Don't let excitement make the decision for you. Discover the questions smart investors ask before investing in an IPO and learn how a disciplined process can help you build a stronger, more resilient portfolio. Click on the following link to schedule a free consultation. https://savvyup.com/consultation/ Date Recorded 7/02/26 Disclosure: Savvy Women Wealth Management is an SEC Registered Investment Advisor The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional. Tax considerations presented may not be appropriate every individual circumstance. A tax professional should be consulted before making any decisions about your tax liability. savvyup.com | 760.692.5700

July 1, 2026Episode 9612 min

When Does An IPO Actually Become A Good Investment?

High-profile IPOs (Initial Public Offerings) often generate excitement, headlines, and fear of missing out—but does buying on day one really make sense? In this episode of Savvy Women, Catherine and Rachel explore when an IPO actually becomes a good investment and why patience can sometimes be one of an investor's greatest advantages. Learn how IPO investing differs from long-term investing, why many newly public companies experience early volatility, and what questions every investor should ask before buying. In this episode, you'll discover: Why IPOs create so much excitement—and why that can be risky Whether buying an IPO on the first day is the smartest move How valuation, market expectations, and volatility influence IPO performance Why successful investing is about strategy—not headlines How to determine if an IPO belongs in your long-term financial plan If you've ever wondered whether you're missing out on the next big investment opportunity, this episode will help you separate hype from smart decision-making and approach IPO investing with greater confidence. Click on the following link to schedule a free consultation. https://savvyup.com/consultation/ Date Recorded 6/25/26 Disclosure: Savvy Women Wealth Management is an SEC Registered Investment Advisor The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional. Tax considerations presented may not be appropriate every individual circumstance. A tax professional should be consulted before making any decisions about your tax liability. savvyup.com | 760.692.5700

June 24, 2026Episode 9515 min

The Hidden Cost Of Passing Down A Family Home

Most families don't realize the true cost of passing down a home until years after the decision has been made. In this episode of Savvy Women, Catherine and Rachel explore the hidden cost of passing down a family home and why some of the most well-intentioned decisions can create unexpected financial consequences for future generations. Many families focus on what feels right emotionally—but overlook what could happen financially. In this episode, you'll discover: Why adding a child to a home's title may have unintended consequences The hidden tax issues families often overlook How to evaluate whether selling, keeping, or renting the home makes sense Common planning mistakes that can impact family wealth What families should consider before making ownership changes If your parents own a home—or you expect to inherit one someday—this conversation could save your family from a costly mistake and help you make more informed decisions before it's too late. Click on the following link to schedule a free consultation. https://savvyup.com/consultation/ Date Recorded 6/18/26 Disclosure: Savvy Women Wealth Management is an SEC Registered Investment Advisor The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional. Tax considerations presented may not be appropriate every individual circumstance. A tax professional should be consulted before making any decisions about your tax liability. savvyup.com | 760.692.5700

June 17, 2026Episode 9414 min

How To Make Travel A Meaningful Part Of Retirement Before It's Too Late

Retirement is supposed to be the season of life when you finally have the time and freedom to enjoy the experiences you've been putting off for years. But how do you make travel a meaningful part of retirement without jeopardizing your financial future? In this episode, Catherine Magaña and Rachel Ivanovich explore why so many retirees struggle to balance their desire for adventure with concerns about spending, market volatility, and making their money last. They discuss how intentional planning can help transform travel from an occasional expense into a purposeful part of a well-designed retirement. You'll discover: Why the early years of retirement may be your most valuable travel years How to build travel into your retirement plan instead of treating it as an afterthought Ways to align travel goals with your retirement income strategy How to navigate market downturns without letting fear derail your plans Why meaningful experiences often create more lasting value than possessions If you've ever wondered whether now is the right time to take the trip, visit family more often, or finally check off a bucket-list destination, this conversation will help you think differently about retirement, travel, and making the most of the years that matter most. ✈️🌎 Click on the following link to schedule a free consultation. https://savvyup.com/consultation/ Date Recorded 6/09/26 Disclosure: Savvy Women Wealth Management is an SEC Registered Investment Advisor The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional. Tax considerations presented may not be appropriate every individual circumstance. A tax professional should be consulted before making any decisions about your tax liability. savvyup.com | 760.692.5700

June 10, 2026Episode 9313 min

How Long Will Your Retirement Money Really Last?

Retirement can last 20, 30, or even 40 years—but how do you know if your money can keep up? The reality is that many retirees aren't worried because they're spending too much. They're worried because they don't know if they're spending too much. One extra vacation, helping a child through a difficult season, or tackling a major home project can suddenly raise a much bigger question: Am I still on track, or am I quietly putting my future at risk? In this episode of Savvy Women, Catherine and Rachel explore the difference between real financial risk and retirement spending anxiety. They discuss why even financially successful retirees worry about running out of money, how inflation and healthcare costs can affect long-term plans, and why having a retirement strategy can help you spend with confidence instead of fear. You'll learn: Why retirement anxiety isn't always tied to how much money you have The difference between spending fear and actual financial risk How inflation can quietly affect your future lifestyle Common retirement spending mistakes that can derail a plan Why some retirees struggle to spend money they've worked hard to save How financial planning helps create confidence, not restrictions Because retirement isn't just about making your money last—it's about knowing you can enjoy the life you've worked so hard to build. Click on the following link to schedule a free consultation. https://savvyup.com/consultation/ Date Recorded 6/04/26 Disclosure: Savvy Women Wealth Management is an SEC Registered Investment Advisor The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional. Tax considerations presented may not be appropriate every individual circumstance. A tax professional should be consulted before making any decisions about your tax liability. savvyup.com | 760.692.5700