388: Break the All-or-Nothing Money Mindset: Try All-or-Something Instead!

The Clever Girls Know Podcast With Bola Sokunbi

Bola Sokunbi

Education, Self-improvement, Business, Entrepreneurship

4.8 • 931 Ratings

🗓️ 11 November 2025

⏱️ 12 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

❤ 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

Transcript

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0:00.0	So today I want to talk about a mindset that keeps a lot of us stuck, and that is the all-or-nothing
0:06.0	thinking. It's that if I can't do it perfect, I'm not going to do it at all kind of energy.
0:11.8	It's you telling yourself that if I can't save exactly $1,000 this month, there's no point in
0:17.6	saving. Or I've blown my budget so my whole entire budget can go to hell this
0:22.9	month. Or if I can't pay my debt off all at once or within this time period, what's the point of
0:28.7	even trying to pay off the debt at all? Does this sound familiar? I have been there as well. I've been
0:34.4	stuck in this tunnel of all or nothing thinking. But one thing to keep in mind
0:40.0	is that progress of your finances does not require perfection and you really want to shift
0:45.9	away from that all or nothing thinking because it actually keeps you stuck and it limits your
0:51.3	ability to make progress with your finances and in your life. So let's talk about
0:55.2	how to shift away from the all or nothing thinking, that all and nothing mindset, to all or
1:01.9	maybe something type of mindset instead. Hello, everyone, and welcome to the Clever Girls No
1:07.4	podcast. This is Bola Shokombi. I'm the founder and CEO of Clever Girl Finance.
1:13.1	The Clever Girls No podcast is a podcast for women offering a space for conversations around
1:18.3	personal finance, business, life, and living. I'd love for you to subscribe to this podcast,
1:24.2	and you can do that everywhere you listen to your podcast episodes. And if you love what
1:28.3	you're listening to, be sure to leave a review so that other amazing women just like you can find
1:33.0	this podcast too. Also, don't forget to stop by Clevergirlfinance.com forward slash subscribe
1:39.3	and sign up for our weekly newsletter. It's a great way to get motivation and accountability
1:45.0	sent straight to your inbox as you work
1:46.9	on achieving your financial goals.
1:49.1	We also have over 30 plus completely free courses
	...

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