So we talk about financial discipline like it is a personality trait.

Like some people have it and some people don't.

And if you're struggling with your money habits, then something is wrong with you.

But here's what I've learned from my own journey and from working with thousands of women

through Clevergirl Finance.

Financial discipline has very little to do with willpower and has everything to do with your

systems, your environment, and your mindset.

And that is actually great news because those are all things that can be changed.

Welcome to the Clever Girls No Podcast.

I'm Bola Shokunbi, founder of Clever Girl Finance.

This podcast is your space for real relatable conversations about money, business, and building wealth,

without shame, without judgment, and without confusion, especially as women navigating real life

and real responsibilities. If you're ready to take your finances to the next level and build

real lasting wealth, my book, Clever Girl Millionaire,

will walk you through exactly how to do it with Claire Steps,

proven strategies, and the mindset shifts that make it all stick.

You can find it at Clevergirlfinance.com forward slash books.

Now let's get into the episode.

So let's talk about why financial discipline is so hard and how we can actually

make it easier for ourselves. Number one, you're relying on willpower instead of systems.

But the thing is that willpower is a limited resource and it gets depleted every single day

as the day goes by due to stress, decision making, and fatigue.

...