418: From Credit Card Debt to Business Owner: Nancy's Real Money Transformation
The Clever Girls Know Podcast With Bola Sokunbi
Bola Sokunbi
4.8 • 931 Ratings
🗓️ 23 April 2026
⏱️ 17 minutes
🧾️ Download transcript
Summary
New Book - Clever Girl Millionaire;
On this episode of the Clever Girls Know Podcast, I'm sitting down with one of you—a Clever Girls Know Podcast listener and community member—to talk about what it really looks like to start from scratch and stay consistent.
I'm interviewing Nancy Ceus-Decoteau, an aspiring educator and entrepreneur who began her financial journey during the pandemic in 2020. What started with discovering Clever Girl Finance and using free worksheets turned into a complete mindset shift around money.
Since then, Nancy has launched her own childcare business, is working toward her bachelor's degree to become a teacher, and is actively building a foundation for long-term financial freedom. Her story is a reminder that wealth-building doesn't start with perfection—it starts with a decision to do better, one step at a time.
What Nancy Discussed
- How she started her financial journey during the pandemic in 2020
- Feeling unprepared with money and deciding to take budgeting seriously
- Discovering Clever Girl Finance and using free worksheets to organize her finances
- Building her first budget and creating a clear financial plan
- Gaining confidence through learning, reading, and applying financial concepts
- Starting her childcare business and stepping into entrepreneurship
- Developing discipline and responsibility with money as a business owner
- Navigating challenges with saving and staying consistent
- Balancing school, business, and financial goals at the same time
- Staying committed to long-term financial freedom despite setbacks
- Defining what financial freedom looks like for her future
- Advice for others who are just beginning their financial journey
How to Keep Up With Nancy
- Follow on Instagram: @nancy_poo92
- Follow her business journey: @nurturedbynd
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, Nancy. |
| 0:01.2 | Hi, Bola. |
| 0:03.4 | Welcome to the Clever Girls No Podcast. |
| 0:06.2 | I am so excited to have you here as part of this Clever Girls No Podcast listener interview |
| 0:11.6 | series. |
| 0:12.6 | Thank you for listening to the podcast and for coming on to share your incredible story to inspire |
| 0:18.3 | and empower other women. |
| 0:20.1 | You're going to be talking to us about how you |
| 0:21.7 | started your financial journey over from scratch to control of your finances. I'm excited to |
| 0:26.9 | talk more about this. But before we dive into the gist, to the details, please tell everybody |
| 0:32.2 | who you are and what you do. Oh, thank you so much for having me on a podcast and I'm truly grateful to be here today |
| 0:39.1 | and excited for our conversation. And hi, I'm Nancy Sustakoto. I have over 16 years of experience |
| 0:46.5 | working with children and I currently work as a paraprofessional and I'm in school now pursuing my |
| 0:52.4 | bachelor's in education to become a teacher. |
| 0:56.1 | And working with children is truly a passion of mine. |
| 0:59.1 | And I'm also the owner of Nurture by ND LLC, where I provide private child care services, |
| 1:05.3 | working with families to care for their children and support their children in their home. |
| 1:10.2 | I love that. So you are not only in school, getting your master. |
| 1:15.1 | You also run a business, which is incredible. |
| 1:18.1 | Welcome to the Clever Girls No podcast. I'm Bola Shokunbi, founder of Clever Girl Finance. |
| 1:24.1 | This podcast is your space for real relatable conversations about money, business, and building |
| 1:29.9 | wealth without shame, without judgment, and without confusion, especially as women navigating |
... |
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