387: No Savings. No Investments. Here's Exactly What I'd Do To Start Over!
The Clever Girls Know Podcast With Bola Sokunbi
Bola Sokunbi
4.8 • 931 Ratings
🗓️ 6 November 2025
⏱️ 17 minutes
🧾️ Download transcript
Summary
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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
Transcript
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| 0:00.0 | So let's have a real conversation. If I had to start from zero, no savings, no investments, no financial cushion. What would I do? Starting from zero, starting over can be overwhelming, but it is possible with clear intention and with a clear strategy. I'm going to talk about what I would do if I was starting from the very beginning, from zero, no shame, no judgment, and no fluff, |
| 0:24.0 | just real clear action steps on what I would do, what Bala would do if I were to start over. |
| 0:29.2 | Let's get into it. |
| 0:30.8 | Hello, everyone, and welcome to the Clever Girls No podcast. |
| 0:34.5 | This is Bola Shokunbi. |
| 0:35.9 | I'm the founder and CEO of Clever Girl Finance. The Clever |
| 0:39.8 | Girls No Podcast is a podcast for women offering a space for conversations around personal finance, |
| 0:45.4 | business, life, and living. I'd love for you to subscribe to this podcast, and you can do that |
| 0:50.9 | everywhere you listen to your podcast episodes. And if you love what you're listening to, |
| 0:55.5 | be sure to leave a review so that other amazing women just like you can find this podcast too. |
| 1:00.7 | Also, don't forget to stop by Clevergirlfinance.com forward slash subscribe |
| 1:05.3 | and sign up for our weekly newsletter. |
| 1:08.3 | It's a great way to get motivation and accountability sent straight to your |
| 1:11.8 | inbox as you work on achieving your financial goals. We also have over 30 plus completely free |
| 1:17.6 | courses to help you on your financial journey. And if you haven't already, check out our YouTube |
| 1:22.8 | channel. Just search Clever Girl Finance on YouTube. You can also find us on Instagram at Clever Girl Finance. |
| 1:30.3 | Okay, let's get into today's episode. |
| 1:34.0 | So if I was starting from stretch, here's what I would do. |
| 1:37.1 | The first thing I would do would be to take a good, hard look at my current numbers. |
| 1:42.4 | So I'd want to understand what is my current income. How much |
| 1:45.8 | do I have coming in? Is it an inconsistent or consistent income? I'd want to understand what my |
| 1:51.6 | expenses are. How much is going out every month? What am I paying for? We're currently or on a |
... |
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