The Clever Girls Know Podcast

 Struggling to stay consistent with your money? You’re not alone—and you don’t need to be perfect to build wealth. I’m sharing the real self-discipline tips that help me stay on track with my finances—without guilt, burnout, or unrealistic expectations. These habits have helped me grow my savings, stay focused, and still enjoy my life. If you’re ready to finally follow through on your money goals, this video is your starting point.  Here’s what you’ll learn on this episode: The importance of knowing your why and how it fuels financial consistency Why automation is the ultimate self-discipline tool How to set realistic spending rules that actually work for your lifestyle The power of tracking your progress weekly to stay motivated How to build a budget that’s honest—not aspirational Easy ways to remove temptation before it derails your goals Why routines—not willpower—create lasting financial change   💡 This isn’t about being strict or saying no to fun—it’s about creating systems and habits that help you protect your money and your peace. ✨   ACTION STEP: Pick one self-discipline strategy from this video and start applying it today. Small, consistent actions are what create real results over time.   📚 Ready to take the next step? Check out the Clever Girl Finance My Wealth Plan Workbook to map out your personalized strategy: https://clevergirlfinance.com/books   ❤ Subscribe to the Clever Girl Finance newsletter for weekly motiviation: clevergirlfinance.com/subscribe ❤ 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: instagram.com/clevergirlfinance

Published: 19 August 2025

Ready to take control of your finances and build real wealth? I’m sharing the 7 key financial lessons that completely transformed my money mindset, helped me save six figures, and set me on the path to financial freedom. These aren’t just tips—they’re real strategies you can start using today, no matter where you’re starting from. Here’s what you’ll learn on this episode: Why systems matter more than goals when it comes to your finances How to avoid lifestyle inflation even as your income grows The power of delayed gratification (and how it saves you thousands) Why retirement savings and investing early are game-changers How to build a supportive financial environment Using credit cards the smart way—without debt traps Why your money mindset is just as important as your budget   Whether you’re just starting out or rebooting your financial journey, these lessons will help you simplify your approach, stay consistent, and build real, lasting wealth.   Action Step: Choose one of these 7 financial lessons and start implementing it today. Small steps lead to big results.   📚 Ready to take the next step? Check out the Clever Girl Finance My Wealth Plan Workbook to map out your personalized strategy: https://clevergirlfinance.com/books   ❤ Subscribe to the Clever Girl Finance newsletter for weekly motiviation: clevergirlfinance.com/subscribe ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 12 August 2025

On today’s episode, we’re joined by financial journalist and fintech insider Gemma Boothroyd to explore why women are better at investing than we think. With a background in product and marketing at top UK fintech firms, Gemma saw firsthand the stark differences in how men and women approach investing—and how the industry often misinterprets those differences. That experience inspired her upcoming book, Hidden Risk Economy, which challenges the outdated belief that women are too risk-averse to succeed as investors. Instead, she reframes women’s approach to risk as a strength and a powerful driver of long-term success. Her mission is to close the gender investing gap by showing women that not only are they capable investors—they may just be the best in the game.   WHAT GEMMA DISCUSSED: Her background in finance and fintech, and how those experiences shaped her perspective on women and investing. The harmful myth that women are too risk-averse to be great investors, and where that narrative comes from. Why the problem isn’t a lack of confidence among women—it’s a lack of fair and accurate narratives. What research actually shows about how women invest compared to men. The difference between being risk-averse and being risk-intelligent. Why women’s cautious, long-term investing approach is a competitive advantage. How financial marketing often alienates women and what needs to change. Advice for women who feel investing is too complicated or risky, including how to take the first step with confidence. Practical ways women can reframe their relationship with risk and invest on their own terms. The one narrative she would change about women and money.   HOW TO KEEP UP WITH GEMMA: On TikTok: https://www.tiktok.com/@gemmaboothroyd  Via her website: https://hiddenriskeconomy.com/   ❤ Subscribe to the Clever Girl Finance newsletter for weekly motiviation: clevergirlfinance.com/subscribe ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 5 August 2025

Wondering where your money keeps going—even though you're trying to save? On this podcast episode, I’m sharing 10 everyday things to stop buying if you're serious about hitting your financial goals. These are the sneaky spending habits—like fantasy lifestyle shopping, takeout overload, and unused subscriptions—that quietly sabotage your progress. But this isn’t about deprivation—it’s about alignment. If your spending doesn’t reflect your values or goals, it’s time to hit pause and reset. Let’s break the cycle together and start making purchases that truly support your financial future.   You’ll learn: What “fantasy spending” is—and how to stop doing it How viral trends and duplicate products waste money Why decluttering first saves you from unnecessary purchases How guilt-based or emotional spending sneaks into your budget The truth about productivity tools that don’t actually help   ❤ Subscribe to the Clever Girl Finance newsletter for weekly motiviation: clevergirlfinance.com/subscribe ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 29 July 2025

On today’s episode, we’re joined by Rocío Salceda, founder of Repair Café El Barrio (@repaircafeelbarrio ), for a powerful conversation about what it means to fix what’s broken and build what’s next. Rocío shares her journey of developing financial resilience, finding empowerment, and repairing more than just things—both in her own life and through her work in East Harlem. At Repair Café El Barrio, neighbors come together once a month to learn how to fix broken items with the help of volunteer repairers, all offered for free or by donation. It’s a space rooted in sustainability, skill-sharing, and community care. As a Spaniard living alone in NYC and navigating a difficult divorce, Rocío also opens up about how finding support through financial education helped her survive—and now thrive—as she pays it forward by helping others do the same. WHAT ROCIO DISCUSSED: The inspiration behind starting Repair Café El Barrio and how it has grown into a movement of empowerment within her community. Navigating major life changes, including divorce, both emotionally and financially. How her personal finance journey has evolved and the role financial knowledge played in her healing and independence. The powerful metaphor of repairing broken items and the parallels between that work and financial resilience. The importance of community support in building both financial and emotional stability. Small, impactful steps that helped her regain control of her finances and mindset during a major life transition. Advice for women who are starting over financially and looking to rebuild their lives. How embracing sustainability and a circular economy mindset can also support personal finance goals. Maintaining a donation-based model at Repair Café while keeping the mission sustainable and empowering for others. The most rewarding moments she’s experienced since beginning this work.   HOW TO KEEP UP WITH ROCIO: On her website: www.repaircafeelbarrio On Instagram: https://instagram.com/rociorsalceda and https://instagram.com/repaircafeelbarrio   ❤ Subscribe to the Clever Girl Finance newsletter for weekly motiviation: clevergirlfinance.com/subscribe ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 22 July 2025

On this podcast episode, Jessica Norwood shares how she's flipped the script and is navigating marriage as the female breadwinner. Jessica is co-host and "the better half" of the dynamic duo behind The Sugar Daddy Podcast, a financial literacy podcast dedicated to helping millennials build wealth and break the stigma around money conversations. As an elder-millennial, she is on a mission is to empower you to take control of your finances so you can live the life you've always dreamed of. Jessica brings a unique perspective to the podcast as Strategic Consultant in the tech space, working with Fortune 100 and 500 companies. She is the “Sugar Daddy” in their relationship, helping fuel their financial journey. The podcast has been featured in major outlets like Investopedia, Huff Post, CNN Underscored, Fortune, MarketWatch, Real Simple, Better Homes & Gardens, US News and more. Her personal goal is to become "work-optional" by 50, in order to travel the world with their two children while continuing to help others have better money conversations and achieve financial freedom.   WHAT JESSICA DISCUSSED: Her background, what she does, and how The Sugar Daddy Podcast came to life. The inspiration behind reclaiming the “Sugar Daddy” label and turning it into an empowering identity. What it was like stepping into the role of breadwinner in her marriage and how she and her partner navigated that dynamic early on. Common misconceptions about female breadwinners in marriage and the realities she wants to challenge. How she and her husband make financial decisions together, especially with a significant income gap. The importance of open, healthy communication around money in her relationship. Advice for women breadwinners who feel guilt or pressure because of their role. Balancing her own financial goals while supporting a family as a mom, podcast host, and strategic consultant. What being “work-optional” by 50 means to her and how being the breadwinner factors into that vision. The example she hopes to set for her children around gender roles and money.   HOW TO KEEP UP WITH JESSICA: On her website: www.thesugardaddypodcast.com On all social media: @thesugardaddypodcast Her husband Brandon’s financial planning services: https://www.oakcityfinancial.us/   ❤ Subscribe to the Clever Girl Finance newsletter for weekly motiviation: clevergirlfinance.com/subscribe ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 15 July 2025

Tired of getting paid and still wondering where your money went two weeks later? On this podcast episode, learn the 7 essential things you should do as soon as you get paid to take control of your finances, stop the cycle of paycheck-to-paycheck stress, and start building real wealth. Whether you're new to budgeting or ready to level up your money game, this episode is packed with practical, actionable steps to help you win financially.   You'll Learn:  Why pausing before you spend is powerful How to automate your savings like a wealth-builder Why reviewing trends in your bills can unlock savings How to adjust your budget to stay on track Simple ways to prioritize future financial goals Why your money mindset needs regular check-ins How to set spending boundaries that still leave room for joy   Each paycheck is an opportunity to make progress—toward peace of mind, toward financial freedom, and toward the life you actually want. Start strong, stay consistent, and give your money a mission.    ❤ Subscribe to the Clever Girl Finance newsletter for weekly motiviation: clevergirlfinance.com/subscribe ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 8 July 2025

On this episode, Dr. Barbara Provost and Maggie Nielsen dive into the topic of financial infidelity—how to recognize the signs, begin the healing process, and reclaim your financial power, whether you’ve been affected by it or have been the one who committed it. Dr. Barbara Provost and Maggie Nielsen are a dynamic mother-daughter duo committed to empowering women with the tools they need to make confident financial decisions. As a consultant, educator, and entrepreneur, Barbara connects women with trusted financial professionals to help them plan for a future full of choices. Maggie, with her curious mindset and passion for personal growth, inspires others through motivational talks and equips women with the financial knowledge they need to thrive. Together, they are dedicated to helping women build lives free from financial stress thanks to the support of their community of trusted professionals.   WHAT  DR. BARBARA PROVOST AND MAGGIE NIELSEN DISCUSSED: The definition of financial infidelity and why it can be so damaging to relationships—often without partners realizing what’s happening. Red flags and warning signs of financial dishonesty in a relationship. The emotional toll of financial infidelity and why it’s such a difficult topic for people to discuss openly. Common patterns in how financial infidelity is discovered and how people typically react once it’s out in the open. First steps someone should take after discovering a partner’s financial dishonesty and how to start rebuilding trust, clarity, and confidence. Guidance for individuals who have been hiding financial secrets and want to take accountability and begin to repair the relationship. Essential conversations couples should have early on to build financial transparency and prevent financial infidelity. How financial literacy and confidence empower women to protect themselves emotionally and financially. Steps women can take to move from financial chaos or crisis to clarity and long-term control over their money. AND SO MUCH MORE   HOW TO KEEP UP WITH DR. BARBARA PROVOST AND MAGGIE NIELSEN: Website: https://pursestrings.co/ Podcast: https://pursestrings.co/podcast/ Facebook Page: https://www.facebook.com/pursestringsco Facebook group: https://www.facebook.com/groups/pursestringfinanciallyfearlesswomen Instagram: https://www.instagram.com/pursestringsco/ TikToc: https://www.tiktok.com/@pursestringsco LinkedIn: https://www.linkedin.com/company/pursestrings/ YouTube: https://www.youtube.com/channel/UCusras98haVpJ-P4C4d4IXw   ❤ Subscribe to the Clever Girl Finance newsletter for weekly motiviation: clevergirlfinance.com/subscribe ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 1 July 2025

On this podcast episode, Lissa Lumutenga joins us to discuss the importance of aiming to save your first $10,000. Lissa Lumutenga, CFP®, AFC®, is a personal finance expert, content creator, and founder of Wealth for Women of Color. After a decade working at Google and YouTube, she now focuses on making financial education more accessible and empowering women of color to build wealth. Her approachable, inclusive way of talking about money has built a strong and engaged community online. Lissa was raised in Salinas, California, by her Filipino immigrant parents and currently resides in Los Angeles. She’s passionate about lifelong learning, sharing knowledge, and helping others create the financial freedom they deserve.   WHAT LISSA DISCUSSED: The inspiration behind starting Wealth for Women of Color and the mission to empower women of color to build wealth. The significance of the $10K savings milestone and why it’s such a powerful financial goal. Mindset shifts and strategies that can help someone save $10K, especially when that goal feels out of reach. How reaching the $10K mark can boost financial confidence and create a sense of security. Common financial blocks experienced by women of color and ways to work through them. How upbringing and cultural background influenced her personal money journey. Practical tips for building savings without feeling deprived. Lessons learned from working at Google and YouTube and how they now inform her work in financial education. AND SO MUCH MORE   HOW TO KEEP UP WITH LISSA: On her website: https://wealthforwomenofcolor.com/ Via her podcast: https://www.youtube.com/@NetNetPodcast On YouTube: https://youtube.com/@wealthforwomenofcolor/ On TikTok: https://www.tiktok.com/@wealthforwomenofcolor On Instagram: https://instagram.com/wealthforwomenofcolor Free financial coaching: https://Savvyladies.org   ❤ Subscribe to the Clever Girl Finance newsletter for weekly motiviation: clevergirlfinance.com/subscribe ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 24 June 2025

In this short episode, I'm sharing a heartfelt reminder of everything Clever Girl Finance has to offer(especially the free resources you might be overlooking), why the Clever Girl Finance platform is free and how we make that possible.  From completely free financial courses and mentor calls, to one-on-one coaching, a weekly newsletter packed with motivation, YouTube videos and live sessions, empowering merch, and bestselling books — there’s a full ecosystem of support here to help you build real wealth, no gimmicks, no strings attached. If you’ve been feeling stuck or overwhelmed, this episode is your nudge to reset, refocus, and take advantage of all the tools waiting for you. Want to show some love? 🎧 Tune in, share with a friend, and don’t forget to leave a fun review to help more women find this podcast! 💌 Subscribe to the newsletter at  clevergirlfinance.com/subscribe for weekly motivation and accountability. ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 19 June 2025

On this podcast episode, Alejandra Rojas shares how women can go from feeling underpaid and undervalued to owning their worth and increasing their income. Alejandra is an entrepreneur, Forbes contributor, writer, and founder of Brown Way To Money, a financial mentoring platform that helps women overcome financial trauma and improve their relationship with money. She is also the host of the Brown Way to Money Podcast. Alejandra provides a unique blend of financial expertise and trauma-informed coaching, empowering women of color to break free from limiting beliefs and create financial abundance. She delves into the emotional and psychological roots of money problems, helping women heal from past experiences and develop a healthier, empowered relationship with their finances.   WHAT ALEJANDRA DISCUSSED: Why so many women—especially women of color—feel underpaid and undervalued in their careers or businesses. The impact of generational narratives and cultural expectations on how women view their value, particularly around money and asking for more. Signs that someone may be playing small or not fully stepping into their worth. A personal story of realizing self-undervaluation and the transformation that followed. The role of confidence in earning what you’re worth and how to start building that confidence today. How to unpack internalized bias and imposter syndrome, especially in spaces not designed with women of color in mind. Actionable steps women can take to increase their income—whether in a job, side hustle, or business. How to advocate for yourself during negotiations without guilt or fear of being "too much." AND SO MUCH MORE   HOW TO KEEP UP WITH ALEJANDRA: Financial assessment: https://brownwaytomoney.com/financial-freedom-builder-assesment-report/ On Instagram: https://www.instagram.com/moneymindsetexpert/ On LinkedIn: https://www.linkedin.com/in/alejandrar2019/ Via her websites/podcast: https://brownwaytomoney.com/ and https://alejandrar.com/   ❤ Subscribe to the Clever Girl Finance newsletter for weekly motiviation: clevergirlfinance.com/subscribe ❤ 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: instagram.com/clevergirlfinance    

Transcribed - Published: 17 June 2025

On today's podcast episode, Ruth Yimika Afolabi, joins us to discuss how she has built a bold media platform for women of faith. Ruth is the founder of Magnify, a platform that equips ambitious women of faith through content and community. She has built a global brand while shaping conversations at the intersection of faith, business, and culture. Alongside her work with Magnify, she is a brand strategist, helping premium businesses and entrepreneurs, craft and scale powerful, authentic brands. With a deep passion for storytelling and alignment, she specialises in building brands that leave a lasting impact.   WHAT RUTH DISCUSSED: The defining moment at age 19 that led to the creation of Magnify while still in university. How faith played a central role in building Magnify, even when the direction wasn’t always clear. Navigating the intersection of faith, feminism, and fashion in her work and the broader mission of Magnify. What it looks like to create a space where women can explore faith in an unpressured and engaging way. How her personal struggles with faith have shaped her leadership and content creation for the platform. How she funded the business in its early stages and financial advice for women launching purpose-driven ventures. Her biggest lesson in entrepreneurship as a founder in the faith-based space. Advice for women looking to step out in faith and build something meaningful without having all the answers. AND SO MUCH MORE   HOW TO KEEP UP WITH RUTH: Ruth on social media @ruthyafolabi Magnify on Instagram: https://www.instagram.com/magnifycollective Via the Magnify website: https://www.magnifycollective.com/ On YouTube: https://www.youtube.com/@Magnifycollective   ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 10 June 2025

On this podcast episode, Fo Alexander shares how to turn your expertise into income and build a business around motherhood.  With her book, Dump Debt & Build Bank, being named a top 10 personal finance book for Black women by 21Ninety, Fo has been helping moms transform their bank accounts & businesses for the past 12 years. After becoming debt-free, Fo left her decade-long career as an engineer to pursue full-time entrepreneurship and motherhood. Today, her mission is to empower other moms to create their own economies through entrepreneurship & financial stewardship. She is a 3-time author, Certified Financial Educator (CFEI), digital marketing & personal branding strategist, business coach, podcaster, and speaker. Her media features include US News & World Report, Parents, Bankrate, Buzzfeed, and many more! Of all her accomplishments, though, her most notable is being a devoted wife and mom of two.   (SPONSORED) CHECK OUT OLLIE FOR YOUR PUP! Dogs deserve the best, and that means fresh, healthy food. Head to https://Ollie.com/CLEVER, tell them all about your dog, and use code CLEVER to get 60% off your Welcome Kit when you subscribe today!  Plus, they offer a Happiness Guarantee on the first box, so if you’re not completely satisfied, you’ll get your money back. That’s O-L-L-I-E dot com slash CLEVER and enter code CLEVER to get 60% off your first box.   WHAT FO DISCUSSED: The decision to transition from a traditional career to full-time entrepreneurship and motherhood. How she prepared—financially, mentally, and emotionally—for leaving her 9-5 job. What it means to monetize your expertise and how moms can identify what they have to offer. Practical first steps for building income streams online while raising a family. Managing the day-to-day responsibilities of motherhood and business ownership. The mindset shifts required to move from employee to entrepreneur. The biggest challenges faced as a mompreneur and how she overcame them. The systems and routines that help her stay productive and maintain balance while working from home. The inspiration behind her book The Monetized Mom and the audience it was written for. Key lessons and strategies from the book that can make a meaningful impact for readers. AND SO MUCH MORE   HOW TO KEEP UP WITH FO: On all social media: @TheFoAlexander Via her websites: TheMonetizedMom.com and FoAlexander.com   ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 3 June 2025

Ready to pay off debt and take back control of your finances? 💸 If becoming debt-free is one of your top goals, this podcast episode is for you! I’m sharing 10 practical, effective, and doable strategies that will help you accelerate your debt payoff, reduce stress, and free up more money to start building real wealth. Paying off debt isn’t just about cutting back—it’s about taking intentional action and building habits that lead to long-term financial freedom. Every step you take brings you closer to the life you want to live. Which of these debt payoff strategies are you going to try first?   ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 27 May 2025

📌 Recorded before the April 2025 market swings, that said, my long-term investing strategy remains the same! 📌 Wondering what I invest in? In this podcast episode, I’m breaking down exactly where I put my money in the stock market—from index funds and ETFs to individual stocks and long-term strategies. This is NOT investment advice—just a behind-the-scenes look at how I manage my own investments as well as my thought process.  📊 What I Cover in This Video:  Brokerages I Use Types of Accounts I Hold  What I Invest In  My Investment Strategy  Other Investments I Hold  📚 Helpful Resources: Read: The Difference Between Index Funds and ETFs - https://www.clevergirlfinance.com/difference-between-index-funds-and-etfs/ Get A Copy of Grow Your Money: https://www.amazon.com/dp/B08JJMKL86/ Grab My Wealth Plan Workbook: https://www.amazon.com/Clever-Girl-Finance-Wealth-Workbook-ebook/dp/B0DM6R2JM5   ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 20 May 2025

What if you gave yourself just 6 months to completely transform your life? This podcast episode is your reminder: you don’t have to wait for a Monday, a new month, or a new year. The time to commit to your goals—your health, your money, your mindset—is right now. In this step-by-step guide, I’m sharing how to block out distractions and go all-in on becoming the best version of yourself in just six months. Whether you’re focused on your finances, your career, your wellness, or all of the above—this is your transformation blueprint. You'll learn how to : 💪 Transform Your Mind & Body 💰 Level Up Your Finances 📈 Advance Your Career or Business   ✅ Your 6-Month Transformation Plan = No More Waiting This is your permission to go ghost on the distractions and go all-in on YOU. The next six months are about showing up for yourself, staying consistent, and committing to the growth you’ve always wanted!   ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 13 May 2025

In this episode you'll learn about 7 common influencer scams you need to avoid—from fake passive income promises to overpriced coaching programs that teach you nothing. These scams are everywhere on social media, and if you’re not careful, they can cost you time, money, and your trust. Tune in to learn how to avoid falling for them!   ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 29 April 2025

On today's podcast episode, Dasha Kennedy discusses how to build financial security no matter your income! Dasha is a financial activist, speaker, and the author of Moving Beyond Broke. As the founder of The Broke Black Girl, she has built a digital community that provides real, relatable financial education for Black women navigating money with limited resources, systemic barriers, and real-life responsibilities.  Through her work, Dasha challenges outdated personal finance advice, centering economic justice and financial healing. Her upcoming book, Moving Beyond Broke, explores the emotional and financial realities of starting over, rebuilding wealth, and redefining financial success outside of hustle culture. With a background in finance and lived experience as a single mother overcoming financial hardship, Dasha brings a raw and honest perspective to money conversations. Her mission is simple: to help Black women move beyond shame, take control of their finances, and build the future they deserve.   WHAT DASHA DISCUSSED: What inspired her to start The Broke Black Girl Why she believes financial literacy is a human right Breaking the stigma around the word “broke” and instead seeing it as a temporary phase rather than a label Why financial security isn’t just for the wealthy Practical ways parents can set their children up for success Tips to start rebuilding after a financial setback And so much more!   HOW TO KEEP UP WITH DASHA: Via her website: www.thebrokeblackgirl.com Instagram: @TheBrokeBlackGirl Twitter/X: @BrokeBlackGirl_   ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 22 April 2025

Are you wasting money without even realizing it? 💸 SAME. On this podcast episode, I’m breaking down the sneaky ways I was quietly throwing money away—and exactly how I stopped the leaks and started saving hundreds of dollars every single month. Even as a financial expert, life gets busy—and overspending can sneak in. Let’s talk about how to fix it!   ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 15 April 2025

Ready to stop spending on things that don’t matter and start building real wealth? 💸 On this podcast episode, I’m sharing my 2025 Low-Buy Challenge—how I’m cutting back on impulse spending, saving more intentionally, and using that extra money to grow my investments and reach my financial goals. Whether you’re new to low-buy or want to reset your money habits, this is your sign to take action! ✨ Low-buy isn’t about deprivation—it’s about spending with intention. By making mindful changes, you can break bad money habits, reduce financial stress, and actually enjoy how you're using your money!   ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 8 April 2025

On this podcast episode, Etinosa Agbonlahor shares key tips on how to talk to parents about money. Etinosa is the author of the book, "How to Talk to Your Parents About Money" a guide to having important financial conversations and she is passionate about helping people improve their financial well-being. She works with organizations to understand the psychology behind financial decisions and uses this knowledge to achieve better results for clients and businesses. Having lived and worked across the USA, Australia, Africa, and the UK, Etinosa combines academic research with real-world industry solutions. She also volunteers as a financial coach with LoveInc in Tampa, helping underserved communities build financial skills. Etinosa hosts the Her First House podcast.   WHAT ETINOSA DISCUSSED: The inspiration behind writing How to Talk to Your Parents About Money. The challenges adult children face when discussing finances, particularly debt, with aging parents. Common fears and concerns parents have when opening up about their financial situation. The importance of sensitivity in these conversations, including key dos and don’ts for approaching the topic. How family history and cultural background influence money discussions. Strategies for keeping financial conversations supportive rather than judgmental. The role of “I” statements in easing tension and fostering collaboration. Practical ways to introduce financial solutions, such as budgeting tools or professional advisors, without making parents feel pressured. Advice for navigating situations where parents are resistant or unwilling to discuss their finances. AND MUCH MORE.   HOW TO KEEP UP WITH ETINOSA: Pick up a copy of her book, How to Talk to Your Parents About Money: https://www.amazon.com/gp/aw/d/B0DQD3LY4F Via her website: www.etinosaa.com Instagram: https://www.instagram.com/realestatewitheti/ LinkedIn: https://www.linkedin.com/in/etinosasere/   ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 25 March 2025

On this podcast episode, Shanice Pereira shares how she paid off over $40,000 of student loan and credit card debt. Shanice is a content creator who is passionate about inspiring others to embrace life through her beauty and lifestyle content. Professionally, she serves as the Senior Director for Enrollment at Year Up United, a national non-profit empowering young adults. With a background in higher education, she has worked at HBCUs like Lincoln University and Morgan State University to enhance student access. Outside of her career, Shanice enjoys traveling, reading, and trying new restaurants. She earned her bachelor’s degree in Mass Communications from Lincoln University in Pennsylvania and a master’s in Professional Studies from Towson University.   WHAT SHANICE DISCUSSED: Her commitment to becoming debt-free, sparked by the turning point that led her to pay off over $40,000 in debt. Her debt payoff strategy, including the methods that worked best for her, details about her income, and the timeline for achieving debt freedom. Balancing financial goals with enjoying life, addressing the common fear of sacrificing one’s lifestyle while paying off debt. The role of content creation and sharing her journey as a means of staying accountable. Financial advice for students and young professionals who are just starting their careers. The challenges she encountered on her debt-free journey and how she overcame them. The intersection of personal finance with self-care and wellness, especially as it relates to creating beauty and lifestyle content. How becoming debt-free has positively impacted her financial confidence and long-term goals. Practical advice for anyone feeling overwhelmed by their debt and unsure of where to begin. AND MUCH MORE HOW TO KEEP UP WITH SHANICE: On social media (IG/TikTok): @ShaniceSwank On YouTube: https://www.youtube.com/@ShaniceSwank/videos   ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 18 March 2025

On this podcast episode, Raisa Martin @rvisv founder of stationery company, The Line, joins us to share how she's building her business, and increasing her net worth! Raisa is a content creator and an entrepreneur. While balancing a full-time 9-5 in the e-commerce industry, she decided to start her own e-commerce brand, The Line, all around stationery and planner tools that elevate the full potential of women around the world. In 2022, she started her YouTube channel talking all about personal finances and her small business. In just 2 years, she has grown a community of like-minded individuals with a primary focus of personal finances and entrepreneurship.   THE LINE DISCOUNT CODE: Raisa has generously offered the Clever Girl Finance audience 10% discount on all purchases made at The Line using the following link:  https://thelineshop.ca/clever-girl10   WHAT RAISA DISCUSSED: The inspiration behind starting The Line and the transition into entrepreneurship while working a 9-5. Challenges faced in launching an e-commerce brand and strategies used to overcome them. Balancing a business, content creation, and a full-time job. Strategies for growing The Line and standing out in the competitive stationery and planner space. The motivation behind sharing her financial journey on YouTube. How financial transparency has helped build trust and connection with her audience. Her journey of increasing net worth and the key steps taken to build wealth. The role of entrepreneurship in her financial growth. Top financial tips for entrepreneurs just getting started. The biggest surprises from documenting her business and financial journey online. Staying motivated and consistent while growing a business and managing finances. AND SO MUCH MORE   HOW TO KEEP UP WITH RAISA: On Social media: @rvisv Via her website: raisamartin.com Check out The Line: https://thelineshop.ca/   ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 11 March 2025

Boost Your Credit Score with These 6 Simple Steps! Your credit score impacts everything from getting loans to securing the best rates on a car or home. But improving it doesn’t have to be confusing or overwhelming. On this podcast, I’ll break down 6 actionable steps to build credit confidence and improve your score, no matter where you’re starting from. Ready to take control of your credit? Let’s dive in!   ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 4 March 2025

Want to make more money this year? Here are 5 actionable strategies to help you boost your income, gain financial security, and achieve your goals faster! Now is the perfect time to take charge of your finances and increase your earning potential. Whether it’s through starting a side hustle, leveling up in your career, or building new skills, there are plenty of ways to create financial stability and freedom. In this video, I’m breaking down five powerful strategies to help you grow your income this year! ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 25 February 2025

Shang Saavedra @savemycents is the founder and CEO of Save My Cents, a personal finance education platform that helps Americans learn how to grow their financial wealth by addressing mental health. Shang finished saving for her retirement by the age of 31, and is America's leading expert on retirement. Her insights have been published by Business Insider, CNBC, Forbes, Fox Business, USA Today, Time / NextAdvisor, Nasdaq, The New York Post, Kiplinger, and she has been named by Time / NextAdvisor as one of The 25 Most Influential New Voices of Money. Her book, Wealth Is a Mindset, released January 2025 with Third State Books.   WHAT SHANG DISCUSSED: The importance of addressing emotions in financial decision-making. How early experiences, such as childhood memories of scarcity or privilege, shape adult money habits. The spending cycles and common emotional triggers that lead to unhealthy financial behaviors. Practical strategies for replacing emotional spending with healthier habits. Why many people overlook the emotional aspect of money and focus solely on numbers and logic. Steps listeners can take to start rewriting their money story today. AND SO MUCH MORE   HOW TO KEEP TO UP WITH SHANG: Website: https://savemycents.com/  Instagram: https://www.instagram.com/savemycents/  YouTube: https://www.youtube.com/@savemycents  LinkedIn: https://www.linkedin.com/in/shangsaavedra/  Goodreads: https://www.goodreads.com/book/show/216282934-wealth-is-a-mindset Amazon: https://www.amazon.com/Wealth-Mindset-Change-Your-Money/dp/B0D94QCZL6/ Bookshop: https://bookshop.org/p/books/wealth-is-a-mindset/21633491   ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 18 February 2025

On this episode of the Clever Girls Know Podcast, Brittany Futrell shares how she's built a successful hot sauce business despite the odds. Brittany is the owner of Angel Wing Sauce. She is the first black woman to own a hot sauce business in North Carolina. She created her gourmet hot sauce recipe in 2006 and started selling it in 2015. She is excited to share some details about her entrepreneurial journey!   WHAT BRITTANY DISCUSSED: The inspiration behind starting Angel Wing Sauce and the story behind the name. Challenges faced as a new entrepreneur starting from scratch. Strategies for avoiding high commercial kitchen costs and how she achieved it. The significance of being the first Black woman to own a hot sauce business in North Carolina and how it shaped her journey. The process of developing her recipes and what sets Angel Wing Sauce apart in the market. Key steps taken to bring her business from concept to reality. How she funded her business in the early stages and advice for others starting with limited resources. Managing challenges like scaling production and building brand awareness as a small business owner. Advice for other women, particularly women of color, looking to break into the food industry. AND SO MUCH MORE   HOW TO KEEP UP WITH BRITTANY: Via her website: https://angelwingsauce.com Instagram: https://instagram.com/angelwingsauce Twitter: https://twitter.com/angelwingsauce Facebook: https://facebook.com/angelwingsauce   ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 11 February 2025

On this episode of the Clever Girls Know Podcast, Brittany Futrell shares how she's built a successful hot sauce business despite the odds. Brittany is the owner of Angel Wing Sauce. She is the first black woman to own a hot sauce business in North Carolina. She created her gourmet hot sauce recipe in 2006 and started selling it in 2015. She is excited to share some details about her entrepreneurial journey!   WHAT BRITTANY DISCUSSED: The inspiration behind starting Angel Wing Sauce and the story behind the name. Challenges faced as a new entrepreneur starting from scratch. Strategies for avoiding high commercial kitchen costs and how she achieved it. The significance of being the first Black woman to own a hot sauce business in North Carolina and how it shaped her journey. The process of developing her recipes and what sets Angel Wing Sauce apart in the market. Key steps taken to bring her business from concept to reality. How she funded her business in the early stages and advice for others starting with limited resources. Managing challenges like scaling production and building brand awareness as a small business owner. Advice for other women, particularly women of color, looking to break into the food industry. AND SO MUCH MORE   HOW TO KEEP UP WITH BRITTANY: Via her website: https://angelwingsauce.com Instagram: https://instagram.com/angelwingsauce Twitter: https://twitter.com/angelwingsauce Facebook: https://facebook.com/angelwingsauce   ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 11 February 2025

On this episode of the Clever Girls Know Podcast, Nicole Stanley shares how she went from paying off her $30,000 debt to building a network of $250,000 on a $56,000 salary! Nicole is owner and head money coach at Arise Financial Coaching. Her mission? Shame-free, accessible financial education that empowers women. As a Latina entrepreneur and personal finance expert, Nicole paid off significant debt and grew her family’s net worth through investing, sparking her passion for helping women build wealth and transform their communities. Arise Financial Coaching has helped hundreds of women and couples get out of debt, save, and become confident with their money. Nicole and her work have been featured on Good Morning America, Business Insider, Time, ABC News, and more.   WHAT NICOLE  DISCUSSED: Her financial situation before beginning her transformation. The turning point that motivated her to take control of her finances. Approaching significant debt repayment while living on an average salary. Her first steps into investing and overcoming fears or uncertainties about it. Strategies used to grow her net worth beyond debt repayment and into wealth-building. How her cultural background as a Latina entrepreneur influenced her approach to money and wealth-building. The role of budgeting and financial discipline in her journey and how she made it sustainable over time. Specific steps she recommends for women starting from a similar financial position to build wealth. AND SO MUCH MORE   HOW TO KEEP UP WITH NICOLE: Book a Discovery Call: https://arisefinancialcoaching.as.me/application Instagram: https://www.instagram.com/arise.financial.coaching Website: https://www.arise.financial Threads: https://www.threads.net/@arise.financial.coaching TikTok: https://www.tiktok.com/@arisefinancialcoaching   ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 4 February 2025

Financial freedom doesn’t have to feel overwhelming! 💡 In this episode, I’m sharing a simple 5-step roadmap to help you achieve security, independence, and the freedom to live life on your terms. Ready to take control of your financial journey? Let’s dive in!   ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 28 January 2025

Ready to feel lighter, less stressed, and more in control of your money? 💸 Let’s dive into 5 things to let go of this year starting today! Learn how to declutter your finances, eliminate stress, and free up your cash flow by saying goodbye to what no longer serves you! ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 21 January 2025

On today’s episode, Lauren Berty joins us to discuss key tips for monetizing as a social media influencer and what she wishes she knew. Lauren is a mother, Creative Director, Social Media Strategist, and Content Creator at That Twin Mama, and host of That Twin Mama Podcast! Lauren and her Grammy award-winning husband became twin parents in 2020 with the unexpected birth of their Covid twins who joined their teenage big brother. With an average monthly reach of millions across multiple social media platforms, the majority of Lauren's audience are moms who seek out her content for realistic portrayals of motherhood that make them feel seen and heard. Lauren inspires through humor and authenticity; working to dismantle the shame, guilt and unattainable idea of "perfection" that society enforces on mothers postpartum.   WHAT LAUREN DISCUSSED: Her journey into social media influencing and how she got started. The most important first steps for aspiring influencers. Strategies for identifying a niche and target audience effectively. Ways to start monetizing social media, even with a smaller following. The importance of authenticity and building trust with followers. Approaching brands for partnerships and key considerations during these interactions. Common pitfalls in the influencer industry and how beginners can avoid them. Things she wishes she had known before starting her influencing career. Tips on managing the business side of influencing, including contracts, finances, and taxes. Staying motivated and consistent in a competitive industry. AND SO MUCH MORE   HOW TO KEEP UP WITH LAUREN: Instagram: https://www.instagram.com/thattwinmama_ Tiktok: Lauren Berty (@thattwinmama_) Youtube https://www.youtube.com/@ThatTwinMama Website www.thattwinmama.com   ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 14 January 2025

On today’s episode, Lauren Berty joins us to discuss key tips for monetizing as a social media influencer and what she wishes she knew. Lauren is a mother, Creative Director, Social Media Strategist, and Content Creator at That Twin Mama, and host of That Twin Mama Podcast! Lauren and her Grammy award-winning husband became twin parents in 2020 with the unexpected birth of their Covid twins who joined their teenage big brother. With an average monthly reach of millions across multiple social media platforms, the majority of Lauren's audience are moms who seek out her content for realistic portrayals of motherhood that make them feel seen and heard. Lauren inspires through humor and authenticity; working to dismantle the shame, guilt and unattainable idea of "perfection" that society enforces on mothers postpartum.   WHAT LAUREN DISCUSSED: Her journey into social media influencing and how she got started. The most important first steps for aspiring influencers. Strategies for identifying a niche and target audience effectively. Ways to start monetizing social media, even with a smaller following. The importance of authenticity and building trust with followers. Approaching brands for partnerships and key considerations during these interactions. Common pitfalls in the influencer industry and how beginners can avoid them. Things she wishes she had known before starting her influencing career. Tips on managing the business side of influencing, including contracts, finances, and taxes. Staying motivated and consistent in a competitive industry. AND SO MUCH MORE   HOW TO KEEP UP WITH LAUREN: Instagram: https://www.instagram.com/thattwinmama_ Tiktok: Lauren Berty (@thattwinmama_) Youtube https://www.youtube.com/@ThatTwinMama Website www.thattwinmama.com   ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 14 January 2025

On today’s episode, Aja Evans joins us to discuss how to untangle your relationship with money for better well-being. Aja is a Licensed Mental Health Counselor, speaker, and author specializing in Financial Therapy. With over a decade of experience, Aja is determined to help more people break the taboo of keeping money and emotions secret. In addition to her practice, she is also the president-elect on the board of the Financial Therapy Association, consults with FinTech companies, and is the author of Feel Good Finance. Aja has been featured in a variety of major news outlets including The New York Times, Business Insider, NerdWallet, Time, and Teen Vogue. She is on a mission to get more people engaged in living their best lives while attuning to their thoughts, feelings, and behaviors around money. Outside of work, you can find Aja chasing after her two young children as they hunt down the next delicious place to eat.   WHAT AJA DISCUSSED: Why it is often difficult for people to talk about money, even with those closest to them. How emotions influence financial behaviors. The impact of intergenerational and historical trauma on personal money narratives. Feelings of shame or embarrassment about financial situations and advice on overcoming them. Steps listeners can take to untangle their relationship with money and improve their financial mindset. Psychological reasons behind spending habits and common challenges like overspending or budgeting struggles. The role of mental health in financial well-being and how therapy can be a valuable tool. Actionable advice on where to focus first when feeling overwhelmed by a financial situation to regain control. AND SO MUCH MORE   HOW TO KEEP UP WITH AJA: All social media: @AjaETherapy Website: ajaevanscounseling.com   ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 7 January 2025

Tune into this 2025 goal-setting session! ✨ We'll be covering:  A review of 2024 Creating a wealth plan for 2025  Key tips for success in the new year + MORE This is going to be a working session so grab your pen and notebook! 📝 ❤ Tune into our YouTube channel: https://www.youtube.com/clevergirlfinance ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 1 January 2025

On today’s podcast episode,  Adeyinka Adegbenle, excellence strategist, coach, published author, and teacher, shares 5 key principles of excellence to help you win at life. Through her coaching programs and courses, she has helped many obtain outstanding, measurable results by teaching and equipping them with processes, principles, systems and habits of excellence. She hosts and facilitates leadership workshops and seminars where she teaches about excellence principles and systems that will help them excel in their roles. She is also the host of the Ways of Excellence Podcast on Youtube. Adeyinka is the author of the highly acclaimed book Joab, King David’s Top General: Essential Lessons on Character Development, and her latest book, Master Excellence: 13 Principles to Help You Win at Life. She is a graduate of Long Island University, New York, where she received an MBA in international business relations. She also holds a bachelor’s degree from the University of Nottingham, United Kingdom. Adeyinka is a Certified Project Manager (PMI-PMP), and she holds several additional advanced certifications.   Today’s podcast is brought to you by a new sponsor of Clever Girl Finance, say hello to 1440 (fourteen - forty) Topics. We know business and finance news can be overwhelming, but that doesn’t always have to be the case. 1440 has set out to share knowledge from across the internet all in one place and broken down into easy, bite-sized, shareable content. You’ll find the latest on Inflation, The Gig Economy, why college tuition has soared in the 20th century, and more. Go to discover.join1440.com for a knowledge adventure on business and finance, and more!   WHAT ADEYINKA DISCUSSED: What inspired her to focus on excellence as a cornerstone for success in life, including the specific moments and experiences that shaped her perspective. Five essential principles she emphasizes, explaining why these are critical for achieving success in life and personal finance. Her holistic view of financial excellence, going beyond wealth accumulation and stability to include deeper, more meaningful aspects of financial well-being. Actionable advice and habits for those looking to integrate excellence into their daily routines, emphasizing achievable and sustainable changes AND SO MUCH MORE   HOW TO KEEP UP WITH ADEYINKA: Tik Tok: https://tiktok.com/waysofexcellence Facebook: https://facebook.com/waysofexcellence Instagram: https://instagram.com/waysofexcellence   ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 10 December 2024

Learn 5 essential tips to help you navigate holiday expenses, avoid debt, and stay on track with your financial goals—all while enjoying the season. Whether you’re looking to budget smarter, find creative ways to save, or make the most of your holiday spending, this live discussion is for you!   Today’s podcast is brought to you by a new sponsor of Clever Girl Finance, say hello to 1440 (fourteen - forty) Topics. We know business and finance news can be overwhelming, but that doesn’t always have to be the case. 1440 has set out to share knowledge from across the internet all in one place and broken down into easy, bite-sized, shareable content. You’ll find the latest on Inflation, The Gig Economy, why college tuition has soared in the 20th century, and more. Go to discover.join1440.com for a knowledge adventure on business and finance, and more!   ❤ Get the best-selling Clever Girl Finance Books: https://clevergirlfinance.com/books  ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: https://clevergirlfinance.com/course-packages/ ❤ Read the Clever Girl Finance Blog: https://clevergirlfinance.com/blog ❤ Follow us on Instagram: https://instagram.com/clevergirlfinance

Transcribed - Published: 3 December 2024

On this podcast episode, Tanya Taylor shares key tips on how to financially prepare for the unexpected based on her experience of going from achieving her financial goals to a sudden disability. With over two decades helping people improve their financial lives, Tanya (CPA,MBA) is on a mission to stop the cycle of poverty and build generational wealth. She is an award-winning author, speaker, and the founder and CEO of Grow Your Wealth, a financial education platform which empowers women to achieve confidence in managing their finances so that they can retire worry-free. Tanya infuses her knowledge from learning and teaching about wealth building, with her 24 years on Wall Street in the banking and insurance industries. She has been featured in publications such as Business Insider and Black Enterprise, sharing her story from an undocumented immigrant as an impoverished Jamaican traveling to the U.S. alone at 16 to capitalizing on the opportunity to build wealth and changing the trajectory of her and her family’s lives. Tanya’s core belief relies on the balance of wealth building and personal goals, in which she continues to jet-set the world with more than 60 countries visited.   WHAT TANYA DISCUSSED: Her financial journey before the sudden disability and what goals she had achieved The biggest financial challenges she faced after her disability The financial safety nets she had in place that provided support during this time How she adjusted her financial goals and priorities after the sudden change The role insurance, emergency savings, or other financial products played in helping her navigate this situation How her perspective on financial planning has changed since experiencing this unexpected event AND SO MUCH MORE   HOW TO KEEP UP WITH TANYA: Via her website: https://growyourwealth10x.com/ LinkedIn: https://www.linkedin.com/in/tanya-taylor-cpa-mba-2bb5387/ Instagram: https://www.instagram.com/growyourwealth10x/ Facebook: https://www.facebook.com/groups/GroURWealth Tiktok: https://www.tiktok.com/@tanyataylorcpa Tanya’s TED talk: https://www.youtube.com/watch?v=aWQoe91QTKU   ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 5 November 2024

On this podcast episode Lauren Tilden shares how to create a small business marketing plan for today’s social media scene. Lauren is a marketing coach who believes that great marketing can change the world. She’s on a mission to prove that marketing doesn’t have to be boring, icky, or scary—even for the biggest procrastinators and perfectionists! After eight years in corporate marketing, Lauren launched her watercolor paper goods business, Good Sheila, in 2017 and hasn’t looked back since. Now, she hosts the Making Good podcast and leads the small business marketing community Making Good Happen, where she helps creative entrepreneurs show up consistently with effective, true-to-them marketing. Her goal is to help creative entrepreneurs craft marketing strategies that feel authentic, boost their confidence, and make them impossible to ignore.   WHAT LAUREN DISCUSSED: Why marketing excites her Why having a solid marketing plan is essential for small businesses in today’s social media-driven world How small businesses can identify the right social media platforms for their brand Key elements that should be included in a small business marketing plan The importance of consistency when it comes to social media marketing, and how small businesses can stay consistent Strategies small businesses can use to stand out in an oversaturated social media space AND SO MUCH MORE   HOW TO KEEP UP WITH LAUREN: Via her website: https://laurentilden.co Via her podcast: https://makinggoodpodcast.com On Instagram: https://instagram.com/laurentilden   ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 29 October 2024

On this episode, Zainab Aliyu shares how she transition from corporate to full-time entrepreneur running her own luxury leather goods business. Zainab is the CEO & Creative Director of AABOUX, a stylish luxurious leather brand founded in 2017. AABOUX creates limited edition and quality statement pieces using their signature stitch-less technique; from exquisitely and ethically sourced leathers by third-generation skilled artisans in Lagos, Nigeria. Zainab sits on three boards as a Non Executive Director. She is also a Creative, a Finance Professional and a UK qualified Fellow of the Association of Chartered and Certified Accountants (ACCA) with over 16 years of experience in the extractive sector (mainly in the oil and gas sector, across five continents, and recently in mining). She qualified at Deloitte UK where she spent four years serving clients in the energy industry and in Risk and Assurance. Prior to to that, she worked at KPMG Nigeria in Business Advisory, Philipps, Kobbs & Co as an Accountant. Post Deloitte she worked at Baker Hughes UK engaging in Internal Audit, Risk and compliance projects and an Indigenous oil and gas company in Project Accounting as a Financial Controller. She is passionate about philanthropy and is involved in several causes aimed at education, healthcare, children, women, internally displaced persons and mental health matters. Zainab enjoys travelling, art, reading, fashion, photography and current affairs.   WHAT ZAINAB DISCUSSED: Her journey from corporate life to full-time entrepreneurship and the pivotal moment that made her realize it was time to leave the corporate world. Some of the biggest challenges she faced in making the transition. How she prepared herself financially and mentally for this big leap.  The key skills and experiences from her corporate job that have helped her in her entrepreneurial journey. The importance of building a support network when transitioning to entrepreneurship. AND SO MUCH MORE   HOW TO KEEP UP WITH ZAINAB: Via her website: https://aaboux.com Instagram: https://instagram.com/aaboux   ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 22 October 2024

On this episode, Dr. Virgie Bright Ellington, shares key financial tips to help you crush your medical debt without going bankrupt!  Dr. Virgie is an internal medicine physician, former health insurance executive, and principal of Crush Medical Debt Financial Wellness, which helps 100 million American healthcare cost victims struggling with the nation’s #1 cause of debt and bankruptcy – medical bills. After practicing for more than 20 years in primary care and psychiatric settings and as a medical billing expert, Dr. Virgie now helps patients avoid financial devastation from crushing medical bills through her "What Your Doctor Wants You to Know" series. She's the author of "What Your Doctor Wants You to Know to CRUSH MEDICAL DEBT" and host of the weekly "Crush Medical Debt - Medical Bills Uncovered" show on the VoiceAmerica radio network and more than 30 of your favorite podcast platforms.   WHAT DR. VIRGIE DISCUSSED: How she become so passionate about helping people manage their medical debt The current landscape of medical debt in the United States Key components patients should look for when it comes to understanding medical debt, and how can they identify errors or overcharges Effective strategies for negotiating with healthcare providers and insurance companies Types of financial assistance programs are available for patients struggling with medical debt Common mistakes people make when dealing with medical debt AND SO MUCH MORE   HOW TO KEEP UP WITH DR. VIRGIE: Instagram: https://www.instagram.com/crushmedicaldebt LinkedIn: https://www.linkedin.com/in/drvirgie X: https://x.com/therealdrvirgie TikTok: https://www.tiktok.com/@crushmedicaldebt YouTube: https://www.youtube.com/@CrushMedicalDebt Via her website: https://crushmedicaldebt.com   ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 8 October 2024

We can all likely make long lists of the bad money mistakes that we have made. That being said, we all make money mistakes. And the key here is that we dust ourselves off and we keep moving.  Let's talk about the big money mistakes that you want to avoid and how to recover from them if you have found that you have already made these mistakes.   ❤ Get the best-selling Clever Girl Finance Books: https://clevergirlfinance.com/books  ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: https://clevergirlfinance.com/course-packages/ ❤ Read the Clever Girl Finance Blog: https://clevergirlfinance.com/blog ❤ Follow us on Instagram: https://instagram.com/clevergirlfinance

Transcribed - Published: 1 October 2024

Announcing the pre-sale of not one but TWO highly anticipated Clever Girl Finance books, both releasing on November 13th, 2024! Here’s what to expect in these incredible new releases: My Wealth Plan Workbook: A personalized toolkit packed with financial worksheets, checklists, and actionable strategies to help you ditch debt, save money, and build real wealth. This workbook is your go-to guide for organizing your financial goals and taking immediate action. Clever Girl Finance, Expanded & Updated 2nd Edition: An updated version of the bestselling personal finance book for women, filled with even more insights on budgeting, debt management, investing, and wealth-building strategies. Tune in to hear all about these new books and how they can help you take control of your finances in 2025 and beyond!   Pre-Order Now: You can pre-order My Wealth Plan Workbook and Clever Girl Finance, Expanded & Updated 2nd Edition from all major retailers, including: Amazon: ​My Wealth Plan Workbook: Your Personalized Plan to Ditch Debt, Save Money and Build Real Wealth​ ​Clever Girl Finance, Expanded & Updated: Ditch Debt, Save Money and Build Real Wealth - 2nd Edition Barnes & Noble Books-A-Million IndieBound   Connect with Clever Girl Finance: Follow on Instagram: @clevergirlfinance Visit the Clever Girl Finance website: www.clevergirlfinance.com Subscribe on YouTube: youtube.com/clevergirlfinance

Transcribed - Published: 1 October 2024

It is so exciting to think about the possibilities of what can happen when we actually achieve our goals. Unfortunately, so many of us give up on our goals before we even get started. So tune in to learn key ways in which you can start achieving your goals starting today. And the tips I'm going to share just don't apply to your finances. They can also apply to other aspects of your life as well. So let's get into it! ❤ Get the best-selling Clever Girl Finance Books: https://clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: https://clevergirlfinance.com/course-packages/ ❤ Read the Clever Girl Finance Blog: https://clevergirlfinance.com/blog ❤ Follow us on Instagram: https://instagram.com/clevergirlfinance

Transcribed - Published: 24 September 2024

On this episode of the podcast, Jill Sirianni joins us to discuss the topic of contentment vs. complacency when it comes to our finances. Jill is the co-host of Frugal Friends Podcast and co-author of 'Buy What You Love Without Going Broke', releasing January 2025. She and her husband paid off $60,000 of debt over 7 years while cash flowing her masters degree. As a licensed clinical social worker she’s experienced in doing a lot with a little – from starting small businesses to full-time RVing – all of it was leveraged in her debt pay-off journey. Helping others is her highest value and integrating her mental health perspective with personal finance is how she supports others to identify, and live out of, what they value most. WHAT JILL DISCUSSED: How she defines contentment in the context of personal finances and how can it differ from complacency How her perspective on contentment and financial management has evolved over time based on her own personal finance journey Key strategies to strive for financial growth without becoming complacent Her approach to mindful spending Advice for overcoming plateaus and reigniting financial growth AND SO MUCH MORE HOW TO KEEP UP WITH JILL: @frugalfriendspodcast www.buywhatyoulovebook.com www.frugalfriendspodcast.com ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 10 September 2024

On this episode of the podcast, Jill Sirianni joins us to discuss the topic of contentment vs. complacency when it comes to our finances. Jill is the co-host of Frugal Friends Podcast and co-author of 'Buy What You Love Without Going Broke', releasing January 2025. She and her husband paid off $60,000 of debt over 7 years while cash flowing her masters degree. As a licensed clinical social worker she’s experienced in doing a lot with a little – from starting small businesses to full-time RVing – all of it was leveraged in her debt pay-off journey. Helping others is her highest value and integrating her mental health perspective with personal finance is how she supports others to identify, and live out of, what they value most. WHAT JILL DISCUSSED: How she defines contentment in the context of personal finances and how can it differ from complacency How her perspective on contentment and financial management has evolved over time based on her own personal finance journey Key strategies to strive for financial growth without becoming complacent Her approach to mindful spending Advice for overcoming plateaus and reigniting financial growth AND SO MUCH MORE HOW TO KEEP UP WITH JILL: @frugalfriendspodcast www.buywhatyoulovebook.com www.frugalfriendspodcast.com ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 10 September 2024

A biweekly budget is perfect for those who get paid every other week. It helps you structure your budget around your paychecks so you can better plan your finances. Learn out how to create a biweekly budget that works for you in this episode! ❤ Get the best-selling Clever Girl Finance Books: https://clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: https://clevergirlfinance.com/course-packages/ ❤ Read the Clever Girl Finance Blog: https://clevergirlfinance.com/blog ❤ Follow us on Instagram: https://instagram.com/clevergirlfinance

Transcribed - Published: 3 September 2024

Sometimes an extra $1000 can come in really handy. Whether to pay some bills, save money for an upcoming trip, or expand your emergency fund, who wouldn’t want another $1,000? If this sounds like something you are interested in, I have some great ideas for how to save $1,000 fast! Keep listening! ❤ Get the best-selling Clever Girl Finance Books: https://clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: https://clevergirlfinance.com/course-packages/ ❤ Read the Clever Girl Finance Blog: https://clevergirlfinance.com/blog ❤ Follow us on Instagram: https://instagram.com/clevergirlfinance

Transcribed - Published: 27 August 2024

On this podcast episode, Kara Stevens, author, financial expert and foundero f the Frugal Feminista discusses relocating to Ghana, financial changes and the truth about the “soft life”! Kara’s relatable financial advice has been featured on Forbes, CNN, Business Insider, Huffington Post, Yahoo Finance, ESSENCE, Women’s Day Magazine, The Washington Post, and other nationally recognized media outlets. She is also the author of Heal Your Relationship With Money, The Happy Finances Challenge, and Unmasking the Strong Black Woman. WHAT KARA DISCUSSED: 1. What inspired her to relocate to Ghana, and her initial thoughts and feelings about making such a significant move 2. The financial preparations she made before relocating 3. The biggest financial adjustments she had to make 4. How she handled the transition in terms of generating income in Ghana 5. The biggest cultural and lifestyle adjustments she had to make 6. How the concept of 'soft life' plays out in reality 7. Practical tips for anyone considering a move abroad, particularly from a financial perspective AND SO MUCH MORE HOW TO KEEP UP WITH KARA: You can keep in touch with Kara Stevens on Twitter (@frugalfeminista), Instagram (@frugalfeminista), and Facebook (@TheFrugalFeminista) Pick up her book, “”Heal Your Relationship With Money”: https://www.healyourrelationshipwithmoney.com/* Read the excerpt: https://www.thefrugalfeminista.com/community/ ❤ Get the best-selling Clever Girl Finance Books: https://clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: https://clevergirlfinance.com/course-packages/ ❤ Read the Clever Girl Finance Blog: https://clevergirlfinance.com/blog ❤ Follow us on Instagram: https://instagram.com/clevergirlfinance

Transcribed - Published: 6 August 2024

On this podcast episode, let’s discuss the key mindset shifts you need to make today for your financial abundance! When it comes to having a broke mindset, I’ve been there - especially when I was trying to save money and trying to start my business. I told myself things like I could never achieve my big financial goals. I told myself how making money was too hard for me to do and I’ve even told myself that you know what, maybe I was not meant to succeed but those were all lies and I had to change my mindset and do it quickly because it was keeping myself stuck, de-motivated and blind to opportunities that ended up passing me by! What mindset shifts can you make starting today? ❤ 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: instagram.com/clevergirlfinance

Transcribed - Published: 30 July 2024