The Clever Girls Know Podcast With Bola Sokunbi

On this episode I had a great conversation with Tonya Rapley on how to be successful with your personal finances and in your business. We talked about her personal story and the makings of her business My Fab Finance and what it took for her to launch it. We also talked about her relationship and managing money with her significant other, what it really means to walk in purpose, as well as having compassion and grace in business. Alongside Tonya's personal story we discussed business, personal finance and relationships in general for instance things like who you need to have in your corner, dealing with difficult times, dealing with difficult people, staying grounded and managing money with your partner and more! Tonya's websites are TonyaRapley.com and Myfabfinance.com For the books, tools and resources mentioned in this episode, visit the main show notes page here: https://www.clevergirlfinance.com/podcast-episodes/walking-in-purpose-being-successful-with-your-finances-in-business-with-tonya-rapley If you haven't already, be sure to subscribe to the Clever Girl Finance Podcast on iTunes, SoundCloud or Stitcher. Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

Have you ever looked at your finances from a scientific perspective? Well, My guest today is Dr Maria James and she is founder of pocketofmoney.com. Not only is she a real life scientist (you'll hear us talk about her amazing career on this episode) but she is also a money scientist who provides financial advice for professionals and entrepreneurs. In this episode, we dig into how to look at your finances objectively from a scientific perspective and Maria also shares her personal money story with us too. We also talk about emotions and money, overcoming financial challenges and key things that we as women need to be doing for our long term financial success and you'll also learn about one of my very odd money tendencies lol. Keep up with Maria via her site at PocketofMoney.com Check out Maria's non profit: http://hwhn.org Find her on all social media under the handle @PocketOfMoneyLLC Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

I'm excited to share this fun conversation I had with Sarah Webb, the COO and primary finance contributor for PlaidForWomen.com. In this episode we discussed: - What you should you do when you pay off your debt - How you can determine how much you need for retirement - Sarah's experience working with high net worth individuals and high income earners, their characteristics, her observations and that time she had to file a 55 million dollar tax return! Quick Note: Also on this episode I talk about being offered an ARM mortgage which is an Adjustable Rate Mortgage which is is a home loan with an interest rate that can change periodically. You can keep up with Sarah at https://www.plaidforwomen.com and also listen to her amazing podcast on the website as well. For the books, tools and resources mentioned in this episode, visit the main show notes page here: https://www.clevergirlfinance.com/podcast-episodes/podcast-episode-49-high-net-worth-vs-high-income-a-55-million-tax-return-more-with-sarah-webb If you haven't already, be sure to subscribe to the Clever Girl Finance Podcast on iTunes, SoundCloud or Stitcher. Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

Budgeting on an inconsistent income can be tough especially because it's hard to plan. For example, if you are self employed or work as a freelancer or a contractor, your income is dependent on how much work you do but sometimes it's not always easy to determine what your actual income will look like at the end of each month. When it comes to budgeting on an inconsistent income, the best way to approach it is with a strategy that will allow you to be successful with managing your money and on this episode I share just how you can do it. Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

On this episode Molly shares her story to debt freedom, how her debt spiraled out of control shortly after the death of her mother and the incredibly emotional journey she embarked on to become debt free. She talked about her depression, the associated guilt, shame, self judgement and isolation that she felt, what it took to fully disclose her financial situation to her now husband and how her faith brought her through it all. You can keep up with Molly by visiting her website at http://www.stillbeingmolly.com/ You can also listen to her amazing business podcast over at http://businesswithpurposepodcast.com/ And be sure to follow her on Instagram at https://www.instagram.com/stillbeingmolly/ Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

This episode is for all the Clever Girl entrepreneurs out there (and the aspiring ones too). I had the pleasure of speaking with business strategist and finance expert and the founder of LatishaStyles.com and Youngfinances.com/tv. On this episode we talked about what it takes to start, fund and grow your side hustle and how to transition from being a part time business owner to being a full time business owner. LaTisha also shared her own personal story and how she got into business. -- You can keep up with LaTisha on her websites mentioned above and also on Facebook @LatishaTv For the books, tools and resources mentioned in this episode, visit the main show notes page here: https://www.clevergirlfinance.com/podcast-episodes/podcast-episode-46-what-it-takes-to-build-a-successful-full-time-business-with-latisha-styles If you haven't already, be sure to subscribe to the Clever Girl Finance Podcast on iTunes, SoundCloud or Stitcher. Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

You've probably heard about the major security breach that took place with Equifax recently right? Well in the event that your financial information is compromised as a result of a security breach, there are some key things you need to do to minimize the impact and protect yourself from potential credit fraud and identity theft and I'm taking through them on this quick episode. They are as follows: 1. Check your credit: As mentioned in this episode, you can get your free credit report at https://www.annualcreditreport.com 2. Consider credit monitoring or a credit freeze: You can get credit monitoring or a freeze on your credit directly from each of the 3 major credit bureaus - Equifax, Experian & Transunion - on their websites. You can also get credit monitoring independently from companies like myfico.com, creditkarma.com, creditsesame.com etc 3. Change any online passwords and pins associated your financial information Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

Ever wondered what the best way to save is or what my favorite savings account is? I had a great conversation with Erica Amatori from RizeMoney.com where we talked about all things savings as well as her personal experience with money and if she really lives what she preaches as an employee of a finance company! Erica was also kind enough to give some awesome freebies to you, my amazing listeners that you'll find below. Enjoy listening! Download the free eBook: Adulting 101 - Growing up is hard, personal finance shouldn't be - http://bit.ly/2fDp4vr Get a free $5 to jumpstart your savings goals: http://rize.grsm.io/Bola ** Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

On today's episode, I had a great conversation with my guest Canna Campbell of the amazing YouTube channel, Sugar Mamma TV, and we talked about investing and how she uses it to generate passive income, minimalism and the impact it had on her life, luxury shopping and how to avoid feeling guilty as well as her amazing $1000 project that she has going on. I loved this conversation with Canna because we share a lot of the same values and I'm a huge fan of her YouTube channel that you can find here - http://bit.ly/2ymG3db To learn more about her $1000 project and what's she's investing in, stop by her website at http://sugarmamma.tv/the-1000-project/ and you can find her on Instagram at https://www.instagram.com/sugarmammatv Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

Having the right mindset is essentially the foundation of your financial success and on this episode, I talk through why your mindset matters and how you can continuously work on a positive and focused state of mind so you can achieve your money (and life) goals. Because having the right mindset makes all the difference when it comes to whether you accomplish your money goals or not. Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

On today's episode, my guest Jamila, takes us through how she was able to save $85k in a single year, her plans to retire early, how have finances have not always been perfect and what you need to be doing to accomplish the money goals you have set for yourself. To keep up with Jamila, stop by her website at http://journeytolaunch.com, follow her on Instagram at https://instagram.com/journeytolaunch and subscribe to her podcast "Journey to Launch" anywhere you listen to your podcasts! Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

On this episode I'm talking about the profiles of millionaires in the US, what it REALLY takes to become a millionaire and I'm diving into the September 2017 issues of both Money and Kiplinger Magazine on getting to $1 million! Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

On today's episode, my guest Naseema gets real on mental blocks, setting yourself up for financial success (or failure) as well as what it took for her to pay off $300K of debt in just 2 years, why she did it and what she's doing now! To keep up with Naseema, stop by her website at http://financiallyintentional.com - Follow her on Instagram at https://instagram.com/financiallyintentional - and also on Facebook at https://www.facebook.com/financiallyintentional *** Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

On this episode I'm sharing the 5 key things you need to be doing now so a potential recession does not become a personal financial crisis for you because recessions are inevitable and having a solid plan makes all the difference! Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

On today's episode, my guest Limor Markman of Limor.money shares some invaluable insights on real estate investing - how it works, how to get started and the different investing options available as well as some really great personal finance tips. On this episode Limor also shared some of her favorite books and they are: 1. Rich Dad, Poor Dad - http://amzn.to/2fKLluc 2. Cash Flow Quadrant - http://amzn.to/2uIMhWG 3. Rich Woman - http://amzn.to/2vIAlS3 4. Secrets of a Millionaire Mind - http://amzn.to/2fLgNIE Also Limor has an amazing free eBook to give you called "Game Changing Financially Fabulous Strategies That No One Ever Told You". Just text FABULOUS to 77982 to get yours sent to you! To keep up with Limor, stop by her website at http://limor.money *** Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

Sharing my candid thoughts and lessons learnt so far as Clever Girl Finance turns 2. Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

Budgeting is a key element to building wealth and so on this episode I'm discussing why you need one, different methods you can try out and tips to help you succeed with your budget. Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

Today my special guest Ebony Ruffin of Ruffin Consulting Services breaks down all things life insurance! On this episode we discuss the different types of life insurance, why having life insurance is super important for women and what you need to look out for when seeking a policy. Follow Ebony on Instagram at https://www.instagram.com/ruffinconsultingservices and you can email her at [email protected] Take Ebony's Life insurance course at http://bit.ly/lifeinsurance101course

On today's episode I'm sharing a few tips on how you can stay on top of your bills, stress free, as well as an interesting story about one of my own bills that caught me by surprise! Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

I'm super excited to be talking to Farnoosh Torabi, a leading personal finance expert, on the topic of managing money in relationships and when "she" makes more. This episode is a must listen if you have a significant other! Also be sure to check out Farnoosh's SO MONEY podcast over at http://farnoosh.tv/podcast/episodes/ Get access to my free resource library of worksheets and checklists and start improving your finances today - http://clevergirlfinance.com Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

I'm excited to share my conversation with Dioni as she talks about her financial journey in progress, what keeps her motivated and why the experience of getting her finances in order is so worth it to her! Visit Dioni's blog at https://wisewomanwallet.wordpress.com and find her on Instagram at https://www.instagram.com/wisewomanwallet Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

Should you invest in your employer's 401k (or other retirement plan)? I'm sharing my thoughts and responding to an Instagram comment! Get access to my free resource library of worksheets and checklists and start improving your finances today on clevergirlfinance.com. Also visit clevergirlsknow.com - you'll be glad you did :)

On this episode I'm deep diving into the REAL struggles of entrepreneurship with amazing life coach for entrepreneurs Cassie Jeans! Visit Cassie's website at https://cassiejeans.com and find her on Instagram at https://www.instagram.com/cassie_mjeans Get access to my free resource library of worksheets and checklists and start improving your finances today on clevergirlfinance.com. Also visit clevergirlsknow.com - you'll be glad you did :)

Your excuses are costing you money. It's time to quit them. In this episode I share my personal stories about how excuses and complaining gets you know where! Get access to my free resource library of worksheets and checklists and start improving your finances today on http://clevergirlfinance.com. Also visit clevergirlsknow.com - you'll be glad you did :)

If you could give your younger some money advice, what would it be? In this episode I share some of the advice I would give my younger self about money based on some good and also terrible money decisions I made. No shame though - when you know better, you do better right? Get access to my free resource library of worksheets and checklists and start improving your finances today - http://clevergirlfinance.com

Is saving money something you struggle with or want to do better at? This episode is for you. Listen in to my 6 tips on how to be successful when it comes to saving money! Get access to my free resource library of worksheets and checklists and start improving your finances today - http://clevergirlfinance.com

Navigating your finances as a 20 something (or 30 something)? Jazmine Henley brown of the #20SomethingSeriesPodcast shares her candid experience about her finances, her mistakes and her successes and how 20 somethings everywhere can build wealth regardless of their backgrounds. Listen to Jazmine's podcast here - https://soundcloud.com/20somethingseries You can find my blog post with my favorite books over at http://bit.ly/2v6apiK Get access to my free resource library of worksheets and checklists and start improving your finances today - http://clevergirlfinance.com

Do you know your net worth? If you don't you need to! In this episode I share the importance of knowing your net worth, why you shouldn't fear it and how to calculate it. Listen in. ____________________ Get access to my free resource library of worksheets and checklists and start improving your finances today - http://clevergirlfinance.com

In this episode I'm sharing a very insightful conversation about student loans, money mindset and credit with Melisa Boutin, student loan expert, financial coach and founder of YourMoneyWorth.com. If you are paying off student loan debt and working on your money mindset, you want to listen in to this episode! ____________________ Get access to my free resource library of worksheets and checklists and start improving your finances today - http://clevergirlfinance.com

Sharing a story about why it's important to take ownership when it comes to building wealth, otherwise you are just playing yourself! I'm also answering a couple listener questions in this episode. Check it out! ____________________ Get access to my free resource library of worksheets and checklists and start improving your finances today - http://clevergirlfinance.com

Do you know you should be investing to build wealth right? But are you going about it the right way? Listen in! ____________________ Get access to my free resource library of worksheets and checklists and start improving your finances today - http://clevergirlfinance.com

What's the deal with categorizing debt as good debt vs. bad debt? I'm not a fan! In this episode I explain how folks define good debt and bad debt, why I don't love this categorization and how you should think about it instead! ____________________ Get access to my free resource library of worksheets and checklists and start improving your finances today - http://clevergirlfinance.com

Your circle of influence determines how successful you are when it comes to your life and to your finances. What type of people and what kind of things are you surrounding yourself with? Are you serious about accomplishing your goals? Then listen in! ____________________ Get access to my free resource library of worksheets and checklists and start improving your finances today - http://clevergirlfinance.com

If you are a business owner or aspiring business owner, this is for you! I'm sharing the details of what I did before I quit my six figure job and what it takes to run a business full time - are you ready? Listen in! Get access to my free resource library of worksheets and checklists and start improving your finances today - http://clevergirlfinance.com Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

Should you or shouldn't you? Listen in to my take on how to deal with loaning money to other people! ____________________ Get access to my free resource library of worksheets and checklists and start improving your finances today - http://clevergirlfinance.com ____________________ Join the Clever Girl Finance Accountability Program - https://www.clevergirlfinanceacademy.com

Retirement account withdrawals and loans? Not a good idea! Listen into why and what you should be doing instead! ____________________ Get access to my free resource library of worksheets and checklists and start improving your finances today - http://clevergirlfinance.com ____________________ Join the Clever Girl Finance Accountability Program - https://www.clevergirlfinanceacademy.com

When it comes to becoming financially successful, it's entirely up to you. You have to decide that you want it bad enough, that you are ready to do what it takes and that you know your why. Those excuses? They aren't enough. Listen in as I share my thoughts! ____________________ Get access to my free resource library of worksheets and checklists and start improving your finances today - http://clevergirlfinance.com ____________________ Join the Clever Girl Finance Accountability Program - https://www.clevergirlfinanceacademy.com

Luxury handbags as financial investments, wardrobe investments or both? Listen in to hear what I think and why I think it! ____________________ Get access to my free resource library of worksheets and checklists and start improving your finances today - clevergirlfinance.com ____________________ Join the Clever Girl Finance Accountability Program - www.clevergirlfinanceacademy.com

Today I'm discussing 5 bank account types you should have and where to put them. It's all about setting up a system that works for you and staying organized! ____________________ Get access to my free resource library of worksheets and checklists and start improving your finances today - clevergirlfinance.com ____________________ Join the Clever Girl Finance Accountability Program - www.clevergirlfinanceacademy.com

Answering a listener question on why I started Clever Girl Finance and why it's importance for us as women to be on top of our finances. ____________________ Get access to my free resource library of worksheets and checklists and start improving your finances today - clevergirlfinance.com ____________________ Join the Clever Girl Finance Accountability Program - www.clevergirlfinanceacademy.com

Should you get a pre-nup or not? What about a post-nup? Do I have one? Listen to me share my thoughts and opinions on prenuptial agreements! ____________________ Get access to my free resource library of worksheets and checklists and start improving your finances today - clevergirlfinance.com ____________________ Join the Clever Girl Finance Accountability Program - www.clevergirlfinanceacademy.com

Wondering whether you should pay off debt or debt? Listen to me share my thoughts on the approach to take! ____________________ Get access to my free resource library of worksheets and checklists and start improving your finances today - clevergirlfinance.com ____________________ Join the Clever Girl Finance Accountability Program - www.clevergirlfinanceacademy.com

Planning to purchase a home? In this episode I discuss very important expenses to take into consideration as you prepare become a home owner. ____________________ Get access to my free resource library of worksheets and checklists and start improving your finances today - clevergirlfinance.com ____________________ Join the Clever Girl Finance Accountability Program - www.clevergirlfinanceacademy.com

What are the characteristics of millionaires and the truly successful? How can you develop your own millionaire's mindset? Listen in as I talk about having and developing your own millionaire / successful mindset. Get access to my free resource library of worksheets and checklists and start improving your finances today - http://clevergirlfinance.com Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

I'm sharing my thoughts on money management in marriage and how you can be successful with it! ____________________ Get access to my free resource library of worksheets and checklists and start improving your finances today - http://clevergirlfinance.com ____________________ Join the Clever Girl Finance Accountability Program - https://www.clevergirlfinanceacademy.com

The money questions and behavior observations you should focus on when dating especially before you get married! ____________________ Get access to my free resource library of worksheets and checklists and start improving your finances today - http://clevergirlfinance.com ____________________ Join the Clever Girl Finance Accountability Program - https://www.clevergirlfinanceacademy.com

Happy New Year! It's that time of year when setting goals and resolutions is at the top of everyone's mind and I'm sharing my thoughts and encouragement! ____________________ Get access to my free resource library of worksheets and checklists and start improving your finances today - http://clevergirlfinance.com ____________________ Join the Clever Girl Finance Accountability Program - https://www.clevergirlfinanceacademy.com

The 7 things you should work on changing if you want to achieve financial success. Get access to my free resource library of worksheets and checklists and start improving your finances today - http://clevergirlfinance.com Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

Laugh with me (and at me) as I share the story of my first credit card and the debt I acquired along with it! I signed up for "free money" but then gave them an address to get my "bill" sent to me hmmm......Go Figure. Enjoy! ____________________ Get access to my free resource library of worksheets and checklists and start improving your finances today - http://clevergirlfinance.com ____________________ Join the Clever Girl Finance Accountability Program - https://www.clevergirlfinanceacademy.com

Listen to my story of how I was able to save over $100,000 in 3.5 years right after I graduated from college! Get access to my free resource library of worksheets and checklists and start improving your finances today - http://clevergirlfinance.com Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com