The Clever Girls Know Podcast With Bola Sokunbi

New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now Are you wondering if it's too late to build wealth in your 30s, 40s, or even 50s? If you've ever felt like you're behind financially or missed your chance to build real wealth, this podcast episode is for you. In today's conversation, I'm breaking down one of the biggest money myths—that if you're not rich by a certain age, you've failed. The truth is, wealth isn't built on someone else's timeline. Whether you're 35, 45, or 55, you still have time to create financial security, grow your money, and even build a path to becoming a millionaire. YOU'LL LEARN: Why you are NOT behind financially How to start building wealth later in life Real numbers that show what's still possible The mindset shifts you need to move forward with confidence Your past doesn't define your financial future. What matters most is what you choose to do next. If you're ready to stop feeling stuck and start making progress with your money, this is your sign to begin. More Clever Girl Finance Resources: 👋 New to Clever Girl Finance? Start here: https://clevergirlfinance.com/start-here ❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance

New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now On this episode of the podcast, we're joined by Rose Mendonca, career educator and founder of Teacher Talks Money, for an important conversation about how teachers can build wealth without leaving the classroom. Rose is passionate about helping educators gain confidence in their finances and break the long-standing myth that teachers must struggle financially to be truly dedicated to their students. As a first-generation college student raised by immigrant parents from the Azores and a bilingual learner growing up in Lowell, Massachusetts, Rose's personal journey shaped her determination to succeed and empower others. Today, she uses her platform to help educators understand their financial options, plan for retirement, and build long-term wealth while continuing to do the work they love. What Rose Discussed on the Podcast: Her personal journey and how it led to the creation of Teacher Talks Money. The myth that teachers must struggle financially to be devoted to their students—and why it needs to change. The real earning and wealth-building potential available to educators. How her experience as a first-generation college student and bilingual learner shaped her relationship with money and ambition. The biggest financial challenges teachers face and practical steps to overcome them. What educators should be doing now to build strong retirement plans. Mindset shifts teachers can make to move from financial limitation to long-term wealth building. Creative and lesser-known income strategies teachers can use without leaving the profession. How to balance a passion for teaching with the need for financial stability and independence. The role of mentorship and community in helping teachers build financial confidence. AND SO MUCH MORE How to Keep Up With Rose: Website: teachertalksmoney.com Social media: @teachertalksmoney More Clever Girl Finance Resources: 👋 New to Clever Girl Finance? Start here: https://clevergirlfinance.com/start-here ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance

New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now Let me share a money mistake that still stings to talk about. Before building Clever Girl Finance, writing books, and becoming a millionaire, I made a mistake that cost me 40% of my retirement savings overnight. Yes, 40%! I'm sharing the story of how I accidentally triggered taxes and penalties on my 401(k) after leaving a job, the lesson I learned the hard way, and what I would do differently today. If you're changing jobs or thinking about cashing out a 401(k), this is something you need to understand before making a move. What I share: The 401(k) rollover mistake that cost me thousands Why cashing out your retirement account can be extremely expensive The difference between a 401(k) rollover and a payout How to avoid early withdrawal penalties and taxes What to do with your 401(k) when leaving a job Money mistakes happen to everyone, even financial experts. What matters most is how you learn from them and rebuild. I share this story in Chapter 6 of my new book Clever Girl Millionaire, where I talk about real-life financial mistakes, lessons learned, and how resilience plays a role in building long-term wealth. If you've ever made a financial mistake, know this: your story isn't over. You can learn, recover, and keep building. More Clever Girl Finance Resources: 👋 New to Clever Girl Finance? Start here: https://clevergirlfinance.com/start-here ❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance

❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe On this episode of the podcast, we're joined by Sahirenys Pierce—financial wellness educator, author, and creator of The High 5 Banking Method—to talk about how a deeply personal family health crisis reshaped the way she approached money. When Sahirenys learned that her son had a heart defect and would need open-heart surgery at just six months old, she realized her finances needed more clarity, structure, and resilience. That experience led her to develop the High 5 Banking Method, a simple yet powerful system designed to help women and families organize their money, reduce financial stress, and build stability even when life throws unexpected challenges their way. In this conversation, Sahirenys shares practical tools and mindset shifts to help you feel more confident, prepared, and in control of your finances. What Sahirenys Discussed on the Podcast: Her background and what inspired her to create The High 5 Banking Method. How her son's health crisis sparked a complete shift in how she managed money. What the High 5 Banking Method is and how it works in everyday life. How the method simplifies budgeting and reduces financial overwhelm. The purpose of the 2 checking + 3 savings account structure and how it helps prevent overdrafts and overspending. How to use the "Cut, Keep, or Reduce" (CKR) strategy to reset spending habits. The 2-Week Gap Strategy and how it helps break the paycheck-to-paycheck cycle. How to run "All Hands" family money meetings to keep everyone aligned. Why this system works especially well for first-generation wealth builders and families navigating financial uncertainty. How her approach meets people where they are—even if they feel like money systems aren't designed for them. AND SO MUCH MORE How to Keep Up With Sahirenys: Instagram: @poisedfinancelifestyle Website: thepoisedlifestyle.com More Clever Girl Finance Resources: 👋 New to Clever Girl Finance? Start here: https://clevergirlfinance.com/start-here ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance

New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now What can having immigrant parents teach you about building wealth? I'm sharing the powerful money lessons my immigrant parents taught me, lessons that shaped my mindset, my career, and ultimately helped me build wealth. Success doesn't always start with money. Sometimes it starts with resilience, sacrifice, and the lessons passed down from the people who raised you (Note: that doesn't only mean your parents). My parents didn't give me a trust fund. But they gave me something far more valuable: discipline, perseverance, and the belief that financial freedom is possible, even when you start with nothing. As the daughter of first-generation immigrants, I watched my parents break barriers, start over in a new country, and build a life through education, sacrifice, and determination. Those experiences shaped how I think about money, success, and legacy. What I share: The money lessons I learned growing up in an immigrant household How my parents' sacrifices shaped my mindset about wealth Why financial freedom is about more than just money The importance of building generational impact and legacy Why wealth is possible even if you didn't grow up with money Whether you're building wealth from scratch, breaking generational cycles, or creating a new financial path for your family, this conversation is for you. Your background does not determine your financial future. More Clever Girl Finance Resources: 👋 New to Clever Girl Finance? Start here: https://clevergirlfinance.com/start-here ❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance

New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now In this candid interview, Fo Alexander of Mama & Money sits down with Bola Sokunbi—founder of Clever Girl Finance and author of the new book, Clever Girl Millionaire, to uncover the unfiltered truth about building wealth. They dive deep into the excuses that keep us stuck in "survival mode," the expensive setbacks we are too ashamed to talk about (like Bola's massive 401(k) and wedding expense mistakes!), and the practical steps required to move from financial stability to serious abundance. If you have ever felt "behind" or overwhelmed by the pressure of perfect financial timelines, this conversation is for you. FO AND BOLA DISCUSSED: Why your financial comeback matters more than your setback, and why you cannot shame yourself into wealth. Why it is never too late to start building your legacy. The Excuses We Can't Afford: How to pivot from fear-based saving (safety) to asset-based growth (freedom). The 4 Pillars of Prosperity: A realistic breakdown of Earned Income, Investing, Real Estate, and Entrepreneurship. CONNECT WITH FO ALEXANDER: On YouTube: https://www.youtube.com/@MamaNMoney Via her website: https://mamaandmoney.com/ More Clever Girl Finance Resources: 👋 New to Clever Girl Finance? Start here: https://clevergirlfinance.com/start-here ❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance

New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now If you've ever thought, "How am I supposed to save money when I barely make enough to cover my bills?", this podcast episode is for you. Saving money on a low income can feel impossible. Rent, groceries, debt, childcare — it adds up fast. But here's the truth: you can start building savings, even if it's just $5 at a time. On this episode, I'm walking you through realistic, practical ways to save money on a tight budget, without shame, without skipping meals, and without feeling deprived. YOU'LL LEARN: How to start an emergency fund on a low income How to automate tiny savings transfers How to save money when living paycheck to paycheck Simple ways to cut expenses without extreme restriction How to create extra income with micro side hustles How to stay motivated when savings feel slow Building financial security isn't about big deposits. It's about consistency and strategy. Even small amounts saved can create real peace of mind. More Clever Girl Finance Resources: 👋 New to Clever Girl Finance? Start here: https://clevergirlfinance.com/start-here ❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance

New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now If you've ever maxed out a credit card, drained your savings, avoided budgeting, or stayed in a bad financial situation longer than you should have, you're not alone. On this episode, I'm sharing exactly how to recover from money mistakes and forgive your financial past so you can move forward with clarity, confidence, and peace. Financial shame keeps so many women stuck. But here's the truth: You are not your money mistakes. You are not behind. And it is absolutely possible to rebuild your finances - no matter where you're starting from. YOU'LL LEARN: How to process financial regret in a healthy way How to stop replaying past money mistakes How to separate your identity from your financial decisions Practical steps to start rebuilding your finances today How to shift from guilt to growth AND SO MUCH MORE Whether you're recovering from credit card debt, overspending, drained savings, or poor financial decisions, this is your turning point. If you're ready to start fresh, take one small step today. Open a savings account. Make a payment. Create a simple budget. Progress, not perfection, builds wealth. More Clever Girl Finance Resources: 👋 New to Clever Girl Finance? Start here: https://clevergirlfinance.com/start-here ❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance

New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now On this episode of the podcast, we're joined by Brittany Charles, better known as Mrs. Fiscally Responsible, to talk about how she and her husband paid off $39,000 in debt in just 8 months—and turned that experience into a proven roadmap for others. As a personal finance coach and founder of Fiscally Responsible, Brittany helps women ditch debt, take control of their cash flow, and build sustainable wealth using simple, repeatable systems. She shares the mindset shifts, sacrifices, and accountability strategies that fueled her rapid payoff, along with the practical framework she now teaches her growing community to help them do the same. What Brittany Discussed on the Podcast: How she became Mrs. Fiscally Responsible and the story behind the brand. The turning point that pushed her and her husband to fully commit to their debt-free journey. The biggest mindset shifts and sacrifices required during their 8-month payoff period. A breakdown of her specific debt payoff strategies and systems. The framework she created to help others replicate her results. How to move forward when debt feels overwhelming and impossible to tackle. The powerful role of accountability in accelerating financial progress. One thing she would do differently—and one thing she's glad she did exactly right. How becoming debt-free transformed her emotionally, mentally, and financially. Her clever girl superpower. Where to connect with her and learn more about her debt payoff framework. How to Keep Up With Brittany: Instagram: @mrs.fiscallyresponsible Website: fiscally-responsible.com More Clever Girl Finance Resources: 👋 New to Clever Girl Finance? Start here: https://clevergirlfinance.com/start-here ❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance

New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now If you're overwhelmed by credit card debt or behind on payments, negotiating with your creditors can make a real difference. On this episode, I walk you through how to confidently talk to your creditors, lower your interest rates, reduce monthly payments, and request temporary relief. WHAT YOU'LL LEARN: What to say (including a sample script) What to ask for: lower rates, waived fees, hardship options What to avoid saying on the phone How to escalate when you're told "no" How to work with a nonprofit credit counselor How to protect your credit score during negotiations AND SO MUCH MORE Even if you're already behind, it's not too late. You can do this. More Clever Girl Finance Resources: ❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance

New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now Today, I'm breaking down 3 easy, beginner-friendly ways to invest outside the stock market. Whether you're nervous about stock volatility or just want to explore other options, there are smart, accessible paths to build wealth that don't require buying shares. WHAT YOU'LL LEARN: How to invest in your own business or side hustle Ways to grow your money with real assets (without buying a house!) Long-term investments that create lasting peace of mind and impact And more! AND SO MUCH MORE This video is for you if, you're looking to diversify how you build wealth or you're curious about low-barrier ways to grow your money! More Clever Girl Finance Resources: ❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance

New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now A lot of people think budgeting only works with a steady paycheck.If your income changes month to month (freelance, commissions, motherhood seasons), this episode breaks down the only approach that actually worked for me. On this episode of the podcast, I'm breaking down how to budget when life keeps changing and your income isn't consistent. You'll learn practical, flexible budgeting strategies that help you stay in control of your money, even when your paycheck isn't predictable. WHAT YOU'LL LEARN: How to create a baseline (bare‑bones) budget Why you should budget based on your lowest income months How to use a buffer account to smooth out income swings How to prioritize spending when money is tight Why sinking funds are essential for unpredictable expenses How to automate your finances without creating stress How to stay consistent, even when your income isn't Inconsistent income doesn't mean inconsistent progress. With the right systems and mindset, you can build stability, reduce anxiety, and make steady financial progress, no matter how much you earn each month. More Clever Girl Finance Resources: ❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance

❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe On this episode of the podcast, we're joined by Dr. Paris Woods, bestselling author, financial educator, and founder of Freedom Unlimited LLC, for an inspiring conversation about helping students start early and build wealth. Known for her breakout book The Black Girl's Guide to Financial Freedom, Paris returns with her newest release, The Student's Guide to Financial Freedom, written to empower first-gen, low-income, and BIPOC students with the tools they need to make confident money decisions early in life. With a background in education and a passion for equity, she breaks down the money myths young people face, offers actionable advice for avoiding common financial traps, and shares how students can lay the foundation for long-term financial success, starting right now. What Dr. Paris Woods Discussed on the Podcast: Her mission to help young people build financial freedom and what inspired her to focus on student audiences. What led to the creation of The Student's Guide to Financial Freedom as a follow-up to her bestselling book. Gaps in traditional financial education and how her book fills them for first-gen, low-income, and BIPOC students. Why it's crucial for students to start learning about money in high school or college. Small but impactful steps students can take now to begin building financial independence. Common money myths and traps to avoid, especially around student loans and credit cards. How her book helps students who don't see themselves reflected in traditional financial advice feel seen and supported. Ways parents, educators, and mentors can support students in becoming financially confident early on. One lesson or habit every student should adopt to set themselves up for lifelong financial freedom. AND SO MUCH MORE How to Keep Up With Dr. Paris Woods: Website: pariswoods.com Instagram: @authorpariswoods TikTok: @authorpariswoods Facebook: Author Paris Woods YouTube: Author Paris Woods Channel More Clever Girl Finance Resources: ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance

New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now Struggling to budget because you feel like you don't have enough money? You're not alone, and this is exactly when budgeting matters most. On this podcast episode, I'm walking you through how to budget when you have no money using 8 practical steps that will help you take control, reduce stress, and create a financial plan even if you're starting from zero (or less). Whether you're dealing with debt, inconsistent income, or just feel like you're stuck, this episode is for you. WHAT YOU'LL LEARN: How to assess your finances when you're broke How to create a bare-bones budget that helps you survive and rebuild Ways to cut expenses fast without shame Simple strategies to track small wins and increase your income How to stay consistent, even when progress feels slow Budgeting isn't just about dollars, it's about direction. The sooner you get a handle on what's coming in and going out, the sooner you can create a plan to move forward. Even if all you have is $5, this episode will show you how to make it work for you. More Clever Girl Finance Resources: ❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance

Big news, friends! Today's episode is a little different, and deeply special to me. I am officially announcing my brand new book, Clever Girl Millionaire: A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions! This is my sixth book (technically my seventh!), and it represents years of lived experience, real mistakes, and the steady discipline required to build wealth in a way that feels aligned and sustainable. In this episode, I'm pulling back the curtain on: Why I wrote this book: I didn't write this to sell you a dream or an overnight success story. I wrote it to show you how wealth can be built intentionally through mindset, systems, and patience. Sowing the seeds: Why your financial wellness is non-negotiable and how to start "Chapter 1" of your own millionaire mindset and millionaire journey. The Pillars of Prosperity: A sneak peek into the core areas I have focused on to become a millionaire: Earned Income, Investing, Real Estate, and Entrepreneurship. How you can help this book succeed! I'm sharing why pre-orders are the single most important way to support this message and help us reach more women! If Clever Girl Finance has played a part in your journey, I would be so honored if you supported this launch! 👉 PRE-ORDER YOUR COPY HERE: https://amzn.to/49M4J13 More Clever Girl Finance Resources: ❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance

❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe Feeling stuck with your finances, even when you're trying your best? Sometimes, it's not just about what you do with money... it's about what you believe about money. In this episode, I'm sharing 5 toxic money beliefs that kept me financially stuck for years, and the mindset shifts that helped me break free. These aren't just budgeting tips. They're the internal narratives that quietly sabotage your goals and block your abundance. WHAT YOU'LL LEARN: The money lies we tell ourselves (and how to reframe them) How mindset directly impacts your saving, spending, and wealth-building What to believe instead so you can finally make consistent financial progress More Clever Girl Finance Resources: ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance

❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe On this episode of the podcast, we're joined by Melissa A. Rowe, M.Ed., award-winning Scholarship Specialist, College Coach, and founder of Capture Greatness!, to explore how students can graduate from college without the debt. Melissa has helped students secure over $12 million in scholarships, including multiple Gates Millennium Scholars, and gain acceptance to elite institutions like Yale, UPenn, Cornell, Howard, and Morehouse—all while keeping their families financially secure. As the author of Scholars Get Dollars and a Certified Financial Education Instructor™, Melissa believes college should be a legacy-building experience, not a lifelong financial burden. She shares practical strategies to find scholarships, busts myths about who qualifies for them, and explains how to turn the college journey into a launchpad for long-term wealth. What Melissa Discussed on the Podcast: Her journey into college coaching and why she's passionate about helping students graduate debt-free. The secret to standing out in the scholarship application process. Common myths about scholarships, and why they're not just for straight-A students. Where to find scholarships and how to start the search effectively. How she helps students get into top-tier schools with a financial strategy in place. What it really means to treat college as a wealth-building opportunity. Common mistakes families make when planning for college and how to avoid them. How she integrates financial education into the college planning process. Simple, actionable steps for families who feel behind or overwhelmed by college costs. A success story of a student who used scholarships to build a legacy, not just fund their education. AND SO MUCH MORE How to Keep Up With Melissa: Website: CaptureGreatness.org LinkedIn: Melissa A. Rowe Instagram: @CaptureGreatnessScholars YouTube: Capture Greatness Scholars More Clever Girl Finance Resources: ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance

❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe Did the past year leave your finances feeling off track; unexpected expenses, plans falling apart, or goals you just couldn't reach? If so, I want you to hear this first: You're not alone, and you're not stuck. On this episode, I'm walking you through a 6‑step financial comeback plan to help you reset your finances after a rough year, without shame, guilt, or unrealistic pressure. This is about regrouping, rebuilding, and moving forward with clarity and confidence. You'll learn how to: Forgive yourself and reframe your money story Audit your finances and face the numbers with confidence Create a realistic "comeback budget" for your current season Rebuild a mini emergency fund, even if you're starting small Set clear, achievable financial goals for the next 3, 6, and 12 months Reset your finances with support, not shame This reset isn't about perfection, it's about progress. Small steps taken consistently can completely change where you are a year from now. More Clever Girl Finance Resources: ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance

❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe It's a brand new year, and that means a fresh start, new goals, and big dreams. But before you try to do everything all at once… let's slow down. In this episode, I'm sharing a gentle but powerful reminder: sustainable progress is so much better than quick burnout! You'll learn 4 simple things you can do this week to build real momentum with your money, no pressure, no overwhelm. Don't forget to check out the replay of our Goal Setting Call on YouTube for an extra dose of motivation to kick off your year strong: https://youtube.com/live/q8kt06jBUBU Be sure to grab your copy of My Wealth Plan Workbook to map out your year with intention: https://amzn.to/4qsAvHd Ready to reset and refocus? Let's go! More Clever Girl Finance Resources: ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance

** Subscribe to the Clever Girl Finance newsletter: https://clevergirlfinance.com/subscribe 🎉 Welcome to our annual goal-setting session at Clever Girl Finance! This isn't about resolutions; it's about creating meaningful goals that align with the life (and money) you actually want. As we close out 2025, this is your space to reflect, reset, and start building your 2026 blueprint, with clarity, peace, and purpose. In this live session replay, we'll walk through: What 2025 taught you (and what to leave behind) Clearing out mental and emotional clutter Choosing your 2026 *word of the year* to stay grounded Simple, specific goals and habits to focus on Whether you're starting over, shifting gears, or staying the course, you're right on time. This call will help you reconnect with your why and map out your next steps with intention. 📝 Grab a journal and join the conversation. NEW BOOK AND RESOURCES: Clever Girl Millionaire is now available for pre-order (out March 31, 2026!): https://amzn.to/4p6Y2wf Join our 26-Week Savings Challenge: https://learn.clevergirlfinance.com/dashboard/space/26-week-savings-challenge/home Our new course platform + community is live; sign up today: https://clevergirlfinance.com/courses LINKS TO CASH ENVELOPES BOOK AND STICKERS: Savings Challenge Envelopes Book: https://amzn.to/4jp4pbs Motivational stickers: https://amzn.to/4k5Nk7A Black girl christian stickers: https://amzn.to/3FaLO55 Let's make 2026 your most grounded and powerful year yet. 💫 ❤ Subscribe to the weekly Clever Girl Finance Newsletter for financial motivation: https://clevergirlfinance.com/subscribe ❤ Get the best-selling Clever Girl Finance Books: https://clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: https://clevergirlfinance.com/course-packages ❤ Schedule a 1-on-1 coaching call with team CGF: https://www.clevergirlfinance.com/coaching ❤ Read the Clever Girl Finance Blog: https://clevergirlfinance.com/blog ❤ Follow us on Instagram: http://instagram.com/clevergirlfinance

❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe In this end-of-year episode, I'm reflecting on a season that stretched me in ways I never expected. Losing my dad in August made 2025 one of the hardest years of my life, and navigating grief while showing up for my family, my business, and this community wasn't easy. I share some of the bright spots that brought me grounding this year, and the incredible opportunities that continued to come to Clever Girl Finance even in a difficult season. I'm stepping into 2026 with intention. Thank you for being here. Thank you for giving me grace. And thank you for being such a meaningful part of my journey. I'm excited for what we're building together in 2026. More Clever Girl Finance Resources: ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance

❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe Only have $100 to invest and wondering where to start? You're not alone, and yes, you can begin your wealth-building journey with just that! In this beginner-friendly episode, I'm sharing exactly what I'd do if I only had $100 to invest, step by step. WHAT YOU'LL LEARN: How to start investing with as little as $100 Ideas of index funds to get started with (like FZROX, VTI, FXAIX, and more) How to build momentum and confidence as a first-time investor The importance of consistency over perfection AND MORE More Clever Girl Finance Resources: ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance

❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe You've probably heard it all before, "Just stop buying lattes." "Get a better job." "Cut out everything non‑essential." But what if some of the most popular money advice doesn't actually work, at least, not for real life or in your current season of life? On this episode, I'm breaking down six common pieces of financial advice that sound good but often fall flat, plus what to do instead to actually make progress with your money. WHAT YOU'LL LEARN: Why "stop buying coffee" won't make you rich Smarter ways to increase your income (beyond "get a better job") The truth about saving vs. investing How to cut expenses without feeling deprived Why it's never too late to start building wealth How talking about money openly can transform your finances AND MORE Real wealth isn't built on trendy tips, it's built on smart, sustainable habits. Take the advice that fits your life, leave what doesn't, and keep moving forward. More Clever Girl Finance Resources: ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance

❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe On this episode of the podcast, we're joined by Tracy Coenen, a forensic accountant with over 25 years of experience uncovering financial secrets in everything from corporate fraud to high net worth divorces. Tracy didn't originally plan on this path, she once dreamed of becoming a prison warden and pursued a criminology degree. But a college class on financial crime reignited her childhood love for solving mysteries, leading her to become a CPA and expert in finding hidden money. Today, she's best known for helping women navigate the financial side of divorce with clarity, confidence, and the tools to protect themselves when trust has been broken. What Tracy discussed: Her unique journey from criminology student to forensic accountant. The role a forensic accountant plays in helping women uncover financial deception and protect their assets during divorce. A powerful case example where she helped a woman navigate the financial side of divorce. Red flags that may indicate financial dishonesty in a relationship—even before divorce. First financial steps women should take when preparing for or going through divorce. How women who haven't managed household finances can begin to take ownership during divorce. Unique challenges faced by high-income women and how to protect their assets. The difference between a divorce attorney and a forensic accountant—and how they work together. Common financial mistakes women make during divorce and how to avoid them. How to financially rebuild after divorce, especially from a place of uncertainty or limited income. What to do if you suspect your partner is hiding money but don't know where to start. AND SO MUCH MORE How to Keep Up With Tracy: Follow on Instagram: @divorcemoneyguide Learn more: divorcemoneyguide.com and sequenceinc.com ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance

❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe On this episode of the podcast, we're joined by Lauren Morley, creator of The 20 Outfit Wardrobe, a simple and effective system designed to help women streamline their closets, feel confident in their personal style, and stop the cycle of overspending on clothes they never wear. Lauren shares how her own journey of wardrobe overwhelm and emotional shopping led her to develop a system that prioritizes intentionality, confidence, and financial clarity. Whether you're tired of staring at a full closet with "nothing to wear," or you're ready to make more mindful money decisions around fashion, Lauren's approach will help you simplify your style—and save your wallet in the process. What Lauren discussed: Her background and the inspiration behind creating The 20 Outfit Wardrobe system. How simplifying her own wardrobe helped her stop overspending and feel more confident. The first step to take when simplifying a closet to save money and reduce clutter. Common financial mistakes people make with their wardrobes and how to avoid them. A breakdown of how the 20 Outfit Wardrobe system works and why it's effective. How a simplified wardrobe can reduce decision fatigue and make daily life easier. Tips for shifting from emotional or impulsive shopping to intentional, value-based purchases. How to build a wardrobe that aligns with your real lifestyle—not just online aesthetics. Ways to make your closet more sustainable for your budget and the environment. Advice for women who feel overwhelmed by their closets but don't know where to start. AND MUCH MORE How to keep up with Lauren: Follow on Instagram: @twentyoutfitwardrobe Learn more: www.twentyoutfitwardrobe.com Explore her guides: stan.store/twentyoutfitwardrobe ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance

❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe It's time to shift away from all-or-nothing thinking! Do you ever think, "If I can't save $500, what's the point of saving anything at all?" Or "If I messed up my budget once, I might as well give up"? That, my friend, is all-or-nothing thinking, and it's quietly sabotaging your financial progress. So in this episode, I'm sharing how to break free from the perfection trap and finally make progress with your money (and your mindset). Because truthfully? Small, consistent steps matter more than perfect ones. What you'll learn: How to stop giving up on your goals when things don't go perfectly Why flexible budgets work better than "perfect" ones How to reframe your negative self-talk about money The importance of celebrating small habits, not just big milestones The power of adopting an "all or something" mindset AND MORE Whether you're saving, budgeting, paying off debt, or trying to build consistency with your finances, this video will help you stay on track without shame or guilt. More Clever Girl Finance Resources: ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance

❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe No Savings. No Investments. Here's Exactly What I'd Do To Start Over! What would I do if I had to start over, with $0 in savings, no investments, and no financial cushion? On this episode, I'm walking you through the exact money plan I'd follow to rebuild my finances from scratch. Whether you're starting over after a setback or just beginning your financial journey, this step-by-step plan will help you move from survival mode to stability, and then to success. What you'll learn: How to assess your real financial starting point How to cut expenses and survive on the bare essentials Creative ways to generate fast cash flow How to build a starter emergency fund (even on a low income) A simple budget formula that actually works Choosing the best debt payoff method for your situation The importance of rest and celebrating small wins AND MORE This is a realistic, actionable plan for anyone rebuilding from $0. Start where you are. Use what you have. And take the next right step! More Clever Girl Finance Resources: ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance

On this episode of the podcast, we're joined by Deon Stokes, MBA—entrepreneur, speaker, strategist, and founder of The Ambition Brand—for a powerful conversation about what it really takes to reinvent yourself at 40 (or any age). Deon shares her own journey from political campaigns to building successful businesses in media, strategy, and tech, and now dedicates her platform to helping ambitious women design lives and careers that align with their purpose and financial goals. With nearly two decades of experience, Deon breaks down the mindset shifts, planning tools, and practical strategies women need to confidently pivot, whether they're launching a new business, starting over after a setback, or simply craving a life that feels more aligned and fulfilling. What Deon Discussed on the Podcast: Her personal story and how it shaped her mission to help women reinvent themselves. What reinvention looks like after 40 and why this stage of life is so powerful for transformation. Key financial mindset shifts women need to make before leaping into a new career, business, or passion project. How to craft an intentional reinvention plan that aligns with ambition and financial wellness. Using planners, clarity exercises, and income projections to map out a new chapter. Encouragement for women who feel it's "too late" to make a bold pivot. The role of discipline in turning purpose into sustainable financial and personal progress. The first three steps to take when ready for reinvention but unsure where to start. AND SO MUCH MORE How to Keep Up With Deon: Follow Deon on all platforms: @TheFaceOfAmbition ❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation: clevergirlfinance.com/subscribe ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance

Tired of complicated budgeting systems that never stick? On this podcast eisode, I'm sharing my exact monthly budgeting routine; from reviewing last month's numbers to planning for irregular expenses and closing out the month with reflection. This is a realistic, flexible approach to budgeting that actually works. Whether you're just getting started or want to refresh your process, these steps will help you stay consistent without feeling overwhelmed. What you'll learn: How I start with a financial reflection, not shame My method for planning income (even with variable pay!) Why I budget for my goals first before any expenses How I build a realistic, values-aligned spending plan The importance of planning for irregular expenses Why I track my budget weekly (not daily!) How I close out each month to stay consistent This budgeting routine is simple, sustainable, and designed to help you make real financial progress. No perfect templates. Just a system that works. ❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation: clevergirlfinance.com/subscribe ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance

On this episode of the podcast, I'm breaking down 7 everyday financial habits that seem harmless—but are quietly draining your bank account, delaying your progress, and keeping you stuck in stress mode. From only saving what's left over, to using credit cards like income, to ignoring your actual numbers, these habits might be the reason you're not hitting your financial goals. No judgment, just real talk and practical fixes to turn things around. You'll Learn: Why paying yourself first is a game changer How minimum payments are costing you thousands What to do instead of emotional sale shopping Why lifestyle inflation keeps you stuck How to shift from credit card dependency The power of knowing your numbers Why you don't need a lot of money to start investing 🎯 These are the mindset shifts and action steps that will help you build real wealth—starting now. ❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation: clevergirlfinance.com/subscribe ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance

On this episode of the podcast, we're joined by powerhouse entrepreneur and Fortune 500 sales veteran Mara Dorne to talk about going From Rock Bottom to $1B. Mara shares her incredible journey from financial struggle to building a billion-dollar sales career and becoming a self-made millionaire by 35. She opens up about the mindset shifts, intentional money moves, and fearless leadership strategies that helped her rise in a male-dominated industry. As the founder of the BILF (Boss I'd Like to Follow) podcast and leader of a nationwide team of over 1,500 health insurance agents, Mara is on a mission to empower women to lead boldly, build wealth with purpose, and redefine what success looks like, on their own terms. What Mara Discussed on the Podcast: Her personal story, career background, and the defining moments that shaped her journey. How hitting rock bottom sparked the transformation that led to $1B+ in sales. The financial mindset shifts that were key to building lasting wealth. Lessons learned from leading large teams as a woman in a male-dominated industry. The impact of the 2008 financial crisis on her approach to money, risk, and resilience. Encouragement for women looking to lead with confidence despite fear, finances, or imposter syndrome. How she cultivates high-performing teams and integrates financial education into leadership. What intentional money management looks like in both her personal and professional life. How to turn purpose into profitable and sustainable business ventures. AND SO MUCH MORE How to Keep Up With Mara: Follow on Instagram: @maradorne Listen and follow the podcast: @bilfpod ❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation: clevergirlfinance.com/subscribe ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance

In this episode, I open up about losing my dad and how I'm navigating grief, reflection, and healing. He lived a long, full life - married to my mom for 55 years, and in his final days, he told us his time was near and even called to say goodbye. While the pain of loss is real, I find peace in the chance I had to say goodbye and in the words my dad told me often: "Bola, be happy! Nothing is that serious." Right now, I'm giving myself grace, taking breaks as needed, and choosing to honor his legacy by holding onto joy. I hope this episode reminds anyone going through loss that it's okay to grieve in your own way and to take things one day at a time. ❤️

Struggling to stay consistent with your money? You're not alone—and you don't need to be perfect to build wealth. I'm sharing the real self-discipline tips that help me stay on track with my finances—without guilt, burnout, or unrealistic expectations. These habits have helped me grow my savings, stay focused, and still enjoy my life. If you're ready to finally follow through on your money goals, this video is your starting point. Here's what you'll learn on this episode: The importance of knowing your why and how it fuels financial consistency Why automation is the ultimate self-discipline tool How to set realistic spending rules that actually work for your lifestyle The power of tracking your progress weekly to stay motivated How to build a budget that's honest—not aspirational Easy ways to remove temptation before it derails your goals Why routines—not willpower—create lasting financial change 💡 This isn't about being strict or saying no to fun—it's about creating systems and habits that help you protect your money and your peace. ✨ ACTION STEP: Pick one self-discipline strategy from this video and start applying it today. Small, consistent actions are what create real results over time. 📚 Ready to take the next step? Check out the Clever Girl Finance My Wealth Plan Workbook to map out your personalized strategy: https://clevergirlfinance.com/books ❤ Subscribe to the Clever Girl Finance newsletter for weekly motiviation: clevergirlfinance.com/subscribe ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: instagram.com/clevergirlfinance

Ready to take control of your finances and build real wealth? I'm sharing the 7 key financial lessons that completely transformed my money mindset, helped me save six figures, and set me on the path to financial freedom. These aren't just tips—they're real strategies you can start using today, no matter where you're starting from. Here's what you'll learn on this episode: Why systems matter more than goals when it comes to your finances How to avoid lifestyle inflation even as your income grows The power of delayed gratification (and how it saves you thousands) Why retirement savings and investing early are game-changers How to build a supportive financial environment Using credit cards the smart way—without debt traps Why your money mindset is just as important as your budget Whether you're just starting out or rebooting your financial journey, these lessons will help you simplify your approach, stay consistent, and build real, lasting wealth. Action Step: Choose one of these 7 financial lessons and start implementing it today. Small steps lead to big results. 📚 Ready to take the next step? Check out the Clever Girl Finance My Wealth Plan Workbook to map out your personalized strategy: https://clevergirlfinance.com/books ❤ Subscribe to the Clever Girl Finance newsletter for weekly motiviation: clevergirlfinance.com/subscribe ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: instagram.com/clevergirlfinance

On today's episode, we're joined by financial journalist and fintech insider Gemma Boothroyd to explore why women are better at investing than we think. With a background in product and marketing at top UK fintech firms, Gemma saw firsthand the stark differences in how men and women approach investing—and how the industry often misinterprets those differences. That experience inspired her upcoming book, Hidden Risk Economy, which challenges the outdated belief that women are too risk-averse to succeed as investors. Instead, she reframes women's approach to risk as a strength and a powerful driver of long-term success. Her mission is to close the gender investing gap by showing women that not only are they capable investors—they may just be the best in the game. (SPONSORED) CHECK OUT OLLIE FOR YOUR PUP! Dogs deserve the best, and that means fresh, healthy food. Head to https://Ollie.com/CLEVER, tell them all about your dog, and use code CLEVER to get 60% off your Welcome Kit when you subscribe today! Plus, they offer a Happiness Guarantee on the first box, so if you're not completely satisfied, you'll get your money back. That's O-L-L-I-E dot com slash CLEVER and enter code CLEVER to get 60% off your first box. WHAT GEMMA DISCUSSED: Her background in finance and fintech, and how those experiences shaped her perspective on women and investing. The harmful myth that women are too risk-averse to be great investors, and where that narrative comes from. Why the problem isn't a lack of confidence among women—it's a lack of fair and accurate narratives. What research actually shows about how women invest compared to men. The difference between being risk-averse and being risk-intelligent. Why women's cautious, long-term investing approach is a competitive advantage. How financial marketing often alienates women and what needs to change. Advice for women who feel investing is too complicated or risky, including how to take the first step with confidence. Practical ways women can reframe their relationship with risk and invest on their own terms. The one narrative she would change about women and money. HOW TO KEEP UP WITH GEMMA: On TikTok: https://www.tiktok.com/@gemmaboothroyd Via her website: https://hiddenriskeconomy.com/ ❤ Subscribe to the Clever Girl Finance newsletter for weekly motiviation: clevergirlfinance.com/subscribe ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: instagram.com/clevergirlfinance

Wondering where your money keeps going—even though you're trying to save? On this podcast episode, I'm sharing 10 everyday things to stop buying if you're serious about hitting your financial goals. These are the sneaky spending habits—like fantasy lifestyle shopping, takeout overload, and unused subscriptions—that quietly sabotage your progress. But this isn't about deprivation—it's about alignment. If your spending doesn't reflect your values or goals, it's time to hit pause and reset. Let's break the cycle together and start making purchases that truly support your financial future. You'll learn: What "fantasy spending" is—and how to stop doing it How viral trends and duplicate products waste money Why decluttering first saves you from unnecessary purchases How guilt-based or emotional spending sneaks into your budget The truth about productivity tools that don't actually help ❤ Subscribe to the Clever Girl Finance newsletter for weekly motiviation: clevergirlfinance.com/subscribe ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: instagram.com/clevergirlfinance

On today's episode, we're joined by Rocío Salceda, founder of Repair Café El Barrio, for a powerful conversation about what it means to fix what's broken and build what's next. Rocío shares her journey of developing financial resilience, finding empowerment, and repairing more than just things—both in her own life and through her work in East Harlem. At Repair Café El Barrio, neighbors come together once a month to learn how to fix broken items with the help of volunteer repairers, all offered for free or by donation. It's a space rooted in sustainability, skill-sharing, and community care. As a Spaniard living alone in NYC and navigating a difficult divorce, Rocío also opens up about how finding support through financial education helped her survive—and now thrive—as she pays it forward by helping others do the same. WHAT ROCIO DISCUSSED: The inspiration behind starting Repair Café El Barrio and how it has grown into a movement of empowerment within her community. Navigating major life changes, including divorce, both emotionally and financially. How her personal finance journey has evolved and the role financial knowledge played in her healing and independence. The powerful metaphor of repairing broken items and the parallels between that work and financial resilience. The importance of community support in building both financial and emotional stability. Small, impactful steps that helped her regain control of her finances and mindset during a major life transition. Advice for women who are starting over financially and looking to rebuild their lives. How embracing sustainability and a circular economy mindset can also support personal finance goals. Maintaining a donation-based model at Repair Café while keeping the mission sustainable and empowering for others. The most rewarding moments she's experienced since beginning this work. HOW TO KEEP UP WITH ROCIO: On her website: www.repaircafeelbarrio On Instagram: https://instagram.com/rociorsalceda and https://instagram.com/repaircafeelbarrio ❤ Subscribe to the Clever Girl Finance newsletter for weekly motiviation: clevergirlfinance.com/subscribe ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: instagram.com/clevergirlfinance

On this podcast episode, Jessica Norwood shares how she's flipped the script and is navigating marriage as the female breadwinner. Jessica is co-host and "the better half" of the dynamic duo behind The Sugar Daddy Podcast, a financial literacy podcast dedicated to helping millennials build wealth and break the stigma around money conversations. As an elder-millennial, she is on a mission is to empower you to take control of your finances so you can live the life you've always dreamed of. Jessica brings a unique perspective to the podcast as Strategic Consultant in the tech space, working with Fortune 100 and 500 companies. She is the "Sugar Daddy" in their relationship, helping fuel their financial journey. The podcast has been featured in major outlets like Investopedia, Huff Post, CNN Underscored, Fortune, MarketWatch, Real Simple, Better Homes & Gardens, US News and more. Her personal goal is to become "work-optional" by 50, in order to travel the world with their two children while continuing to help others have better money conversations and achieve financial freedom. WHAT JESSICA DISCUSSED: Her background, what she does, and how The Sugar Daddy Podcast came to life. The inspiration behind reclaiming the "Sugar Daddy" label and turning it into an empowering identity. What it was like stepping into the role of breadwinner in her marriage and how she and her partner navigated that dynamic early on. Common misconceptions about female breadwinners in marriage and the realities she wants to challenge. How she and her husband make financial decisions together, especially with a significant income gap. The importance of open, healthy communication around money in her relationship. Advice for women breadwinners who feel guilt or pressure because of their role. Balancing her own financial goals while supporting a family as a mom, podcast host, and strategic consultant. What being "work-optional" by 50 means to her and how being the breadwinner factors into that vision. The example she hopes to set for her children around gender roles and money. HOW TO KEEP UP WITH JESSICA: On her website: www.thesugardaddypodcast.com On all social media: @thesugardaddypodcast Her husband Brandon's financial planning services: https://www.oakcityfinancial.us/ ❤ Subscribe to the Clever Girl Finance newsletter for weekly motiviation: clevergirlfinance.com/subscribe ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: instagram.com/clevergirlfinance

Tired of getting paid and still wondering where your money went two weeks later? On this podcast episode, learn the 7 essential things you should do as soon as you get paid to take control of your finances, stop the cycle of paycheck-to-paycheck stress, and start building real wealth. Whether you're new to budgeting or ready to level up your money game, this episode is packed with practical, actionable steps to help you win financially. You'll Learn: Why pausing before you spend is powerful How to automate your savings like a wealth-builder Why reviewing trends in your bills can unlock savings How to adjust your budget to stay on track Simple ways to prioritize future financial goals Why your money mindset needs regular check-ins How to set spending boundaries that still leave room for joy Each paycheck is an opportunity to make progress—toward peace of mind, toward financial freedom, and toward the life you actually want. Start strong, stay consistent, and give your money a mission. ❤ Subscribe to the Clever Girl Finance newsletter for weekly motiviation: clevergirlfinance.com/subscribe ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: instagram.com/clevergirlfinance

On this episode, Dr. Barbara Provost and Maggie Nielsen dive into the topic of financial infidelity—how to recognize the signs, begin the healing process, and reclaim your financial power, whether you've been affected by it or have been the one who committed it. Dr. Barbara Provost and Maggie Nielsen are a dynamic mother-daughter duo committed to empowering women with the tools they need to make confident financial decisions. As a consultant, educator, and entrepreneur, Barbara connects women with trusted financial professionals to help them plan for a future full of choices. Maggie, with her curious mindset and passion for personal growth, inspires others through motivational talks and equips women with the financial knowledge they need to thrive. Together, they are dedicated to helping women build lives free from financial stress thanks to the support of their community of trusted professionals. (SPONSORED) CHECK OUT OLLIE FOR YOUR PUP! Dogs deserve the best, and that means fresh, healthy food. Head to https://Ollie.com/CLEVER, tell them all about your dog, and use code CLEVER to get 60% off your Welcome Kit when you subscribe today! Plus, they offer a Happiness Guarantee on the first box, so if you're not completely satisfied, you'll get your money back. That's O-L-L-I-E dot com slash CLEVER and enter code CLEVER to get 60% off your first box. WHAT DR. BARBARA PROVOST AND MAGGIE NIELSEN DISCUSSED: The definition of financial infidelity and why it can be so damaging to relationships—often without partners realizing what's happening. Red flags and warning signs of financial dishonesty in a relationship. The emotional toll of financial infidelity and why it's such a difficult topic for people to discuss openly. Common patterns in how financial infidelity is discovered and how people typically react once it's out in the open. First steps someone should take after discovering a partner's financial dishonesty and how to start rebuilding trust, clarity, and confidence. Guidance for individuals who have been hiding financial secrets and want to take accountability and begin to repair the relationship. Essential conversations couples should have early on to build financial transparency and prevent financial infidelity. How financial literacy and confidence empower women to protect themselves emotionally and financially. Steps women can take to move from financial chaos or crisis to clarity and long-term control over their money. AND SO MUCH MORE HOW TO KEEP UP WITH DR. BARBARA PROVOST AND MAGGIE NIELSEN: Website: https://pursestrings.co/ Podcast: https://pursestrings.co/podcast/ Facebook Page: https://www.facebook.com/pursestringsco Facebook group: https://www.facebook.com/groups/pursestringfinanciallyfearlesswomen Instagram: https://www.instagram.com/pursestringsco/ TikToc: https://www.tiktok.com/@pursestringsco LinkedIn: https://www.linkedin.com/company/pursestrings/ YouTube: https://www.youtube.com/channel/UCusras98haVpJ-P4C4d4IXw ❤ Subscribe to the Clever Girl Finance newsletter for weekly motiviation: clevergirlfinance.com/subscribe ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: instagram.com/clevergirlfinance

On this podcast episode, Lissa Lumutenga joins us to discuss the importance of aiming to save your first $10,000. Lissa Lumutenga, CFP®, AFC®, is a personal finance expert, content creator, and founder of Wealth for Women of Color. After a decade working at Google and YouTube, she now focuses on making financial education more accessible and empowering women of color to build wealth. Her approachable, inclusive way of talking about money has built a strong and engaged community online. Lissa was raised in Salinas, California, by her Filipino immigrant parents and currently resides in Los Angeles. She's passionate about lifelong learning, sharing knowledge, and helping others create the financial freedom they deserve. WHAT LISSA DISCUSSED: The inspiration behind starting Wealth for Women of Color and the mission to empower women of color to build wealth. The significance of the $10K savings milestone and why it's such a powerful financial goal. Mindset shifts and strategies that can help someone save $10K, especially when that goal feels out of reach. How reaching the $10K mark can boost financial confidence and create a sense of security. Common financial blocks experienced by women of color and ways to work through them. How upbringing and cultural background influenced her personal money journey. Practical tips for building savings without feeling deprived. Lessons learned from working at Google and YouTube and how they now inform her work in financial education. AND SO MUCH MORE HOW TO KEEP UP WITH LISSA: On her website: https://wealthforwomenofcolor.com/ Via her podcast: https://www.youtube.com/@NetNetPodcast On YouTube: https://youtube.com/@wealthforwomenofcolor/ On TikTok: https://www.tiktok.com/@wealthforwomenofcolor On Instagram: https://instagram.com/wealthforwomenofcolor Free financial coaching: https://Savvyladies.org ❤ Subscribe to the Clever Girl Finance newsletter for weekly motiviation: clevergirlfinance.com/subscribe ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: instagram.com/clevergirlfinance

In this short episode, I'm sharing a heartfelt reminder of everything Clever Girl Finance has to offer(especially the free resources you might be overlooking), why the Clever Girl Finance platform is free and how we make that possible. From completely free financial courses and mentor calls, to one-on-one coaching, a weekly newsletter packed with motivation, YouTube videos and live sessions, empowering merch, and bestselling books — there's a full ecosystem of support here to help you build real wealth, no gimmicks, no strings attached. If you've been feeling stuck or overwhelmed, this episode is your nudge to reset, refocus, and take advantage of all the tools waiting for you. Want to show some love? 🎧 Tune in, share with a friend, and don't forget to leave a fun review to help more women find this podcast! 💌 Subscribe to the newsletter at clevergirlfinance.com/subscribe for weekly motivation and accountability. ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: instagram.com/clevergirlfinance

On this podcast episode, Alejandra Rojas shares how women can go from feeling underpaid and undervalued to owning their worth and increasing their income. Alejandra is an entrepreneur, Forbes contributor, writer, and founder of Brown Way To Money, a financial mentoring platform that helps women overcome financial trauma and improve their relationship with money. She is also the host of the Brown Way to Money Podcast. Alejandra provides a unique blend of financial expertise and trauma-informed coaching, empowering women of color to break free from limiting beliefs and create financial abundance. She delves into the emotional and psychological roots of money problems, helping women heal from past experiences and develop a healthier, empowered relationship with their finances. WHAT ALEJANDRA DISCUSSED: Why so many women—especially women of color—feel underpaid and undervalued in their careers or businesses. The impact of generational narratives and cultural expectations on how women view their value, particularly around money and asking for more. Signs that someone may be playing small or not fully stepping into their worth. A personal story of realizing self-undervaluation and the transformation that followed. The role of confidence in earning what you're worth and how to start building that confidence today. How to unpack internalized bias and imposter syndrome, especially in spaces not designed with women of color in mind. Actionable steps women can take to increase their income—whether in a job, side hustle, or business. How to advocate for yourself during negotiations without guilt or fear of being "too much." AND SO MUCH MORE HOW TO KEEP UP WITH ALEJANDRA: Financial assessment: https://brownwaytomoney.com/financial-freedom-builder-assesment-report/ On Instagram: https://www.instagram.com/moneymindsetexpert/ On LinkedIn: https://www.linkedin.com/in/alejandrar2019/ Via her websites/podcast: https://brownwaytomoney.com/ and https://alejandrar.com/ ❤ Subscribe to the Clever Girl Finance newsletter for weekly motiviation: clevergirlfinance.com/subscribe ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: instagram.com/clevergirlfinance

On today's podcast episode, Ruth Yimika Afolabi, joins us to discuss how she has built a bold media platform for women of faith. Ruth is the founder of Magnify, a platform that equips ambitious women of faith through content and community. She has built a global brand while shaping conversations at the intersection of faith, business, and culture. Alongside her work with Magnify, she is a brand strategist, helping premium businesses and entrepreneurs, craft and scale powerful, authentic brands. With a deep passion for storytelling and alignment, she specialises in building brands that leave a lasting impact. WHAT RUTH DISCUSSED: The defining moment at age 19 that led to the creation of Magnify while still in university. How faith played a central role in building Magnify, even when the direction wasn't always clear. Navigating the intersection of faith, feminism, and fashion in her work and the broader mission of Magnify. What it looks like to create a space where women can explore faith in an unpressured and engaging way. How her personal struggles with faith have shaped her leadership and content creation for the platform. How she funded the business in its early stages and financial advice for women launching purpose-driven ventures. Her biggest lesson in entrepreneurship as a founder in the faith-based space. Advice for women looking to step out in faith and build something meaningful without having all the answers. AND SO MUCH MORE HOW TO KEEP UP WITH RUTH: Ruth on social media @ruthyafolabi Magnify on Instagram: https://www.instagram.com/magnifycollective Via the Magnify website: https://www.magnifycollective.com/ On YouTube: https://www.youtube.com/@Magnifycollective ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: instagram.com/clevergirlfinance

On this podcast episode, Fo Alexander shares how to turn your expertise into income and build a business around motherhood. With her book, Dump Debt & Build Bank, being named a top 10 personal finance book for Black women by 21Ninety, Fo has been helping moms transform their bank accounts & businesses for the past 12 years. After becoming debt-free, Fo left her decade-long career as an engineer to pursue full-time entrepreneurship and motherhood. Today, her mission is to empower other moms to create their own economies through entrepreneurship & financial stewardship. She is a 3-time author, Certified Financial Educator (CFEI), digital marketing & personal branding strategist, business coach, podcaster, and speaker. Her media features include US News & World Report, Parents, Bankrate, Buzzfeed, and many more! Of all her accomplishments, though, her most notable is being a devoted wife and mom of two. (SPONSORED) CHECK OUT OLLIE FOR YOUR PUP! Dogs deserve the best, and that means fresh, healthy food. Head to https://Ollie.com/CLEVER, tell them all about your dog, and use code CLEVER to get 60% off your Welcome Kit when you subscribe today! Plus, they offer a Happiness Guarantee on the first box, so if you're not completely satisfied, you'll get your money back. That's O-L-L-I-E dot com slash CLEVER and enter code CLEVER to get 60% off your first box. WHAT FO DISCUSSED: The decision to transition from a traditional career to full-time entrepreneurship and motherhood. How she prepared—financially, mentally, and emotionally—for leaving her 9-5 job. What it means to monetize your expertise and how moms can identify what they have to offer. Practical first steps for building income streams online while raising a family. Managing the day-to-day responsibilities of motherhood and business ownership. The mindset shifts required to move from employee to entrepreneur. The biggest challenges faced as a mompreneur and how she overcame them. The systems and routines that help her stay productive and maintain balance while working from home. The inspiration behind her book The Monetized Mom and the audience it was written for. Key lessons and strategies from the book that can make a meaningful impact for readers. AND SO MUCH MORE HOW TO KEEP UP WITH FO: On all social media: @TheFoAlexander Via her websites: TheMonetizedMom.com and FoAlexander.com ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: instagram.com/clevergirlfinance

Ready to pay off debt and take back control of your finances? 💸 If becoming debt-free is one of your top goals, this podcast episode is for you! I'm sharing 10 practical, effective, and doable strategies that will help you accelerate your debt payoff, reduce stress, and free up more money to start building real wealth. Paying off debt isn't just about cutting back—it's about taking intentional action and building habits that lead to long-term financial freedom. Every step you take brings you closer to the life you want to live. Which of these debt payoff strategies are you going to try first? ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: instagram.com/clevergirlfinance

📌 Recorded before the April 2025 market swings, that said, my long-term investing strategy remains the same! 📌 Wondering what I invest in? In this podcast episode, I'm breaking down exactly where I put my money in the stock market—from index funds and ETFs to individual stocks and long-term strategies. This is NOT investment advice—just a behind-the-scenes look at how I manage my own investments as well as my thought process. 📊 What I Cover in This Video: Brokerages I Use Types of Accounts I Hold What I Invest In My Investment Strategy Other Investments I Hold 📚 Helpful Resources: Read: The Difference Between Index Funds and ETFs - https://www.clevergirlfinance.com/difference-between-index-funds-and-etfs/ Get A Copy of Grow Your Money: https://www.amazon.com/dp/B08JJMKL86/ Grab My Wealth Plan Workbook: https://www.amazon.com/Clever-Girl-Finance-Wealth-Workbook-ebook/dp/B0DM6R2JM5 ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: instagram.com/clevergirlfinance

What if you gave yourself just 6 months to completely transform your life? This podcast episode is your reminder: you don't have to wait for a Monday, a new month, or a new year. The time to commit to your goals—your health, your money, your mindset—is right now. In this step-by-step guide, I'm sharing how to block out distractions and go all-in on becoming the best version of yourself in just six months. Whether you're focused on your finances, your career, your wellness, or all of the above—this is your transformation blueprint. You'll learn how to : 💪 Transform Your Mind & Body 💰 Level Up Your Finances 📈 Advance Your Career or Business ✅ Your 6-Month Transformation Plan = No More Waiting This is your permission to go ghost on the distractions and go all-in on YOU. The next six months are about showing up for yourself, staying consistent, and committing to the growth you've always wanted! ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: instagram.com/clevergirlfinance

In this episode you'll learn about 7 common influencer scams you need to avoid—from fake passive income promises to overpriced coaching programs that teach you nothing. These scams are everywhere on social media, and if you're not careful, they can cost you time, money, and your trust. Tune in to learn how to avoid falling for them! ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: instagram.com/clevergirlfinance

On today's podcast episode, Dasha Kennedy discusses how to build financial security no matter your income! Dasha is a financial activist, speaker, and the author of Moving Beyond Broke. As the founder of The Broke Black Girl, she has built a digital community that provides real, relatable financial education for Black women navigating money with limited resources, systemic barriers, and real-life responsibilities. Through her work, Dasha challenges outdated personal finance advice, centering economic justice and financial healing. Her upcoming book, Moving Beyond Broke, explores the emotional and financial realities of starting over, rebuilding wealth, and redefining financial success outside of hustle culture. With a background in finance and lived experience as a single mother overcoming financial hardship, Dasha brings a raw and honest perspective to money conversations. Her mission is simple: to help Black women move beyond shame, take control of their finances, and build the future they deserve. WHAT DASHA DISCUSSED: What inspired her to start The Broke Black Girl Why she believes financial literacy is a human right Breaking the stigma around the word "broke" and instead seeing it as a temporary phase rather than a label Why financial security isn't just for the wealthy Practical ways parents can set their children up for success Tips to start rebuilding after a financial setback And so much more! HOW TO KEEP UP WITH DASHA: Via her website: www.thebrokeblackgirl.com Instagram: @TheBrokeBlackGirl Twitter/X: @BrokeBlackGirl_ ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: instagram.com/clevergirlfinance