415: How Odunayo Went From $40K to $1M Assets in 5 Years
The Clever Girls Know Podcast With Bola Sokunbi
Bola Sokunbi
4.8 • 931 Ratings
🗓️ 14 April 2026
⏱️ 29 minutes
🧾️ Download transcript
Summary
New Book - Clever Girl Millionaire;
On this episode of the podcast, I'm joined by Odunayo Ajayi, a Technical Program Manager at Microsoft and Clever Girls Know Podcast listener, who shares how she grew her assets from $40,000 to $1 million in just five years. Originally from Akure, Nigeria and now based in New Jersey, Odunayo brings a unique blend of professional experience, faith, and financial discipline to her wealth-building journey.
She opens up about the early mistakes, key turning points, and intentional strategies that helped her build momentum—and ultimately achieve a major financial milestone.
If you've ever felt behind or unsure where to start, this episode is proof that with clarity, consistency, and the right mindset, real transformation is possible.
What Odunayo Discussed on the Podcast:
- Her starting point at $40K and what her financial life looked like at the time.
- Early gaps in financial knowledge and key money mistakes.
- The turning point that led her to take her finances seriously.
- The first financial changes that created momentum.
- A step-by-step breakdown of how she grew her assets to $1M in five years.
- Her early investing strategy and how she made decisions.
- Challenges and setbacks faced along the way and how she navigated them.
- Mindset shifts that helped her move from uncertainty to confidence.
- Balancing wealth-building with family goals and future planning.
- Advice for anyone feeling behind or overwhelmed with their finances.
AND SO MUCH MORE
How to Keep Up With Odunayo:
- Follow on Instagram: @odunayooajayi
- Learn more: odunayoajayi.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
Transcript
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| 0:00.0 | Hi, O'Donio. Hi, Bala. How are you doing? I'm good. Welcome to the Clever Girls No podcast. I am so excited to have you on as part of this Clever Girls Go listener interview series. Thank you for sending in your story. Incredible. We're going to be talking about how you have built wealth, by step how you grew your assets from |
| 0:22.9 | $40,000 to over a million dollars in just five years so incredible congratulations |
| 0:28.7 | thank you Bala so I'm excited to share your story with other women who listen to the |
| 0:34.9 | podcast just like you welcome to the Clever Girls No Podcast. |
| 0:39.9 | I'm Bola Shokumbi, founder of Clever Girl Finance. |
| 0:43.4 | This podcast is your space for real relatable conversations about money, business, and building |
| 0:49.2 | wealth, without shame, without judgment, and without confusion, especially as women navigating real life |
| 0:55.8 | and real responsibilities. If you're ready to take your finances to the next level and build |
| 1:00.9 | real lasting wealth, my book, Clever Girl Millionaire will walk you through exactly how to do it |
| 1:06.6 | with Claire Steps, Proven Strategies, and the mindset shifts that make it all stick. |
| 1:12.1 | You can find it at Clevergirlfinance.com forward slash books. |
| 1:16.5 | Now let's get into the episode. |
| 1:20.5 | Before we dive into the gist of it, please tell us who you are and give us a quick snapshot overview |
| 1:27.4 | of your life and your finances today. |
| 1:29.9 | Absolutely. My name is Odunayo. Ajay. I am currently a technical program manager, Microsoft, |
| 1:37.2 | and in terms of just a snapshot of my journey, my life and my journey, I am, like I said, I'm Nigerian, currently a naturalized |
| 1:46.2 | U.S. citizen, but growing up in Nigeria, because I spent about 25 years of my life in |
| 1:52.8 | Nigeria prior to come in here, I grew up in a family of five children. My parents were |
| 1:59.1 | an American-trained pharmacist who passionate about a nation-building |
| 2:03.3 | and decided to move back to have a couple of us back home, myself and my youngest sister. |
| 2:09.8 | And so if I were to reflect on my upbringing, it was wonderful, warm, full of cultural, |
| 2:14.8 | wonderful cultural experiences, and just everything. I mean, in terms of |
... |
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