New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now

In this episode of the Clever Girls Know Podcast listener interview series, I'm sitting down with one of you—our community—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

New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now

Life has been life-ing lately… and my wallet felt it! From planned car expenses to unexpected damage costs, I had thousands of dollars hit all at once. But instead of stressing, I leaned on my systems, my savings, and my mindset, and stayed on track.

 In this live, I'm sharing:

• What happened (real numbers, real life)
• How my emergency fund showed up for me
• Why I still kept saving (yes, even now!)
• A mindset check-in from Chapter 1 of Clever Girl Millionaire
• How to stay grounded when life throws financial surprises your way

If you've ever felt like unexpected expenses derail your progress, this is for you. You're not off track. You're learning how to navigate real life with your money.

 

Savings binder mentioned: 

• https://amzn.to/477mSWT

 

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

New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now

Let me share a money mistake that still stings to talk about.

Before building Clever Girl Finance, writing books, and becoming a millionaire, I made a mistake that cost me 40% of my retirement savings overnight. Yes, 40%!

I'm sharing the story of how I accidentally triggered taxes and penalties on my 401(k) after leaving a job, the lesson I learned the hard way, and what I would do differently today.

If you're changing jobs or thinking about cashing out a 401(k), this is something you need to understand before making a move.

What I share:

• The 401(k) rollover mistake that cost me thousands
  
  
• Why cashing out your retirement account can be extremely expensive
  
  
• The difference between a 401(k) rollover and a payout
  
  
• How to avoid early withdrawal penalties and taxes
  
  
• What to do with your 401(k) when leaving a job

Money mistakes happen to everyone, even financial experts. What matters most is how you learn from them and rebuild.

I share this story in Chapter 6 of my new book Clever Girl Millionaire, where I talk about real-life financial mistakes, lessons learned, and how resilience plays a role in building long-term wealth.

If you've ever made a financial mistake, know this: your story isn't over. You can learn, recover, and keep building.

 

More Clever Girl Finance Resources:

👋 New to Clever Girl Finance? Start here:
https://clevergirlfinance.com/start-here

❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! 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: @clevergirlfinance

Norly was born in Brooklyn, NY and family is from Haiti. She taught middle school English for three years before becoming a securities attorney. She loves to work out, travel and talk about personal finance with family and friends! WHAT NORLY DISCUSSED: 1. The concept of parallel planning for retirement and how are she and your mom embarking on this journey together 2. When she decided she wanted to retire early (FIRE) and her 3. The key financial strategies she's employing for her early retirement plans AND MUCH MORE ❤ 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

Let's discuss the best reasons to leave a job and what to consider before you quit. You may want to quit your job for personal reasons, while other times, it might be related to the job itself. Here are 7 common signs whether or not you should quit your job and how best to go about 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

On today's episode of the podcast, Shanae Brown shares how asking for help at work got her a raise! Shanae is a NYC-based leadership coach, workshop facilitator, and passionate speaker who's had a stellar career in Human Resources. With nearly a decade of HR experience, Shanae has worked with top business leaders in the Financial Services, Music, and Tech industries. Leveraging her expertise in talent development, psychology, and passion for personal growth, she founded No Cream In This Coffee, a groundbreaking career development company dedicated to creating better work experiences and workplaces for Black women. WHAT SHANAE DISCUSSED: 1. How she overcame self-doubt and concerns about seeking guidance, especially amid organizational changes. 2. How her identity as a Black woman influenced her approach to seeking help and self-advocacy in the workplace. 3. Key strategies and advice for women facing corporate challenges. AND MUCH MORE HOW TO KEEP UP WITH SHANAE: - Via her website: https://www.nocreaminthiscoffee.com/ - On Instagram:  https://www.instagram.com/nocreaminthiscoffee/ - On LinkedIn: https://www.linkedin.com/in/theshanaebrown/ ❤ 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

Learn 7 key tips to help you negotiate credit card debt and navigate the negotiation process! ❤ 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

Do you ever look back on certain money decisions you've made in the past and think, "My gosh… how could I have been so careless?!" The shame and humiliation feel real — and the more you think about it, the more embarrassed you become. In times like these, you may be experiencing a cycle of shame around money. Learning how to break this cycle and heal your relationship with money can help you shed your disappointment and chart a path forward. ❤ 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

Learn how to stop wasting money on food and maximize your grocery budget! Explore 19 effective ways to grocery shop on a budget! ❤ 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

Molly Stillman is the host of the "Can I Laugh on Your Shoulder?" podcast,a sought-after speaker and author of the book, "If I Don't Laugh, I'll Cry: How Death, Debt, and Comedy Led to a Life of Faith, Farming, and Forgetting What I Came into This Room For" The lifestyle blog she started in 2007, Still Being Molly, is a community for women who love ethical style, clean beauty, parenting, funny stories, and serving in their communities. Her deep passion lies in inspiring women to know they were created on purpose, with a purpose, and for a purpose. Molly was on was on episode 47 sharing her debt pay off story and episode 114 talking about the emotions that come from being in debt and also featured in the first Clever Girl Finance book. She lives with her husband John, children Lilly and Amos, and various and sundry animals on a small farm in Durham, North Carolina. She loves Jesus a whole lot, drinks too much Diet Coke, and eats a lot of Chipotle burritos. WHAT MOLLY DISCUSSED: * The emotional journey and impact of her losing her mother at a young age. * How she managed an unexpected inheritance of $245,485 and the financial decisions that led to substantial debt. * How using humor as a coping mechanism during tough times influenced her career in comedy and personal growth. * The turning point that helped her move away from depression * Advice for someone facing tough times and feeling lost or hopeless. * How she realized the potential for growth and purpose in her own struggles and setbacks AND MUCH MORE HOW TO KEEP UP WITH MOLLY: - Via her website: http://www.stillbeingmolly.com - All social media: @stillbeingmolly ❤ 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

In this podcast, let's go over how to keep yourself on track and achieve your goals with abundance mindset exercises! What are money mindset exercises? Money mindset exercises are practices that you do to change how you think about money and wealth. Your perception of money impacts the way you earn, save, and spend it. All of which affect how you manage your finances and build wealth. Tune in to learn more! ❤ 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

Do you know your why? Think of your why as a personal mission statement. It is the framework you use to make decisions in every area of your life. It keeps you going when you're tired and ready to quit. It's okay to have multiple whys. Whether you have one or multiple whys, finding your why takes time. This podcast episode shares key tips to support you in the process! ❤ 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

Learn 10 key habits of successful women and how to make those habits a part of your life starting right now! ❤ 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

❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe

On this episode of the podcast, we're joined by Sahirenys Pierce—financial wellness educator, author, and creator of The High 5 Banking Method—to talk about how a deeply personal family health crisis reshaped the way she approached money.

When Sahirenys learned that her son had a heart defect and would need open-heart surgery at just six months old, she realized her finances needed more clarity, structure, and resilience.

That experience led her to develop the High 5 Banking Method, a simple yet powerful system designed to help women and families organize their money, reduce financial stress, and build stability even when life throws unexpected challenges their way.

In this conversation, Sahirenys shares practical tools and mindset shifts to help you feel more confident, prepared, and in control of your finances.

What Sahirenys Discussed on the Podcast:

• Her background and what inspired her to create The High 5 Banking Method.

• How her son's health crisis sparked a complete shift in how she managed money.

• What the High 5 Banking Method is and how it works in everyday life.

• How the method simplifies budgeting and reduces financial overwhelm.

• The purpose of the 2 checking + 3 savings account structure and how it helps prevent overdrafts and overspending.

• How to use the "Cut, Keep, or Reduce" (CKR) strategy to reset spending habits.

• The 2-Week Gap Strategy and how it helps break the paycheck-to-paycheck cycle.

• How to run "All Hands" family money meetings to keep everyone aligned.

• Why this system works especially well for first-generation wealth builders and families navigating financial uncertainty.

• How her approach meets people where they are—even if they feel like money systems aren't designed for them.

AND SO MUCH MORE

 

How to Keep Up With Sahirenys:

• Instagram: @poisedfinancelifestyle

• Website: thepoisedlifestyle.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

Are you struggling to lay out a plan for your financial wellness? Trying to get past living paycheck to paycheck? Keep watching - I've got some key tips for you on how to create a financially sound plan for yourself! In this episode, explore key steps to create a sound financial plan for yourself so you can achieve your financial goals. ❤ 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

On today's episode, Jamila Souffrant shares key tips to plan out a successful journey to achieving financial freedom. Jamila is the author of Your Journey To Financial Freedom: A Step-by-Step Guide to Achieving Wealth and Happiness and the host of the Journey To Launch podcast. She is a go-to thought leader in the personal finance field and her work has been featured in BuzzFeed, ESSENCE, Refinery 29, Money Magazine, CNBC, CBS, Business Insider and more. The Journey To Launch Podcast has over 4+ million total downloads and was listed by the NYTimes as a podcast to help you get better with your money. Jamila and her husband saved $169,000 in two years and is also a mother of three young children and lives in Brooklyn, NY. WHAT JAMILA DISCUSSED: - How her mother's immigrant story has inspired her success - Her plan for achieving financial freedom - The different stages or milestones people typically go through on their journey to financial independence - How you can evaluate and modify your financial mindset and habits - Practical ways for individuals to increase their income to accelerate their FI journey AND MUCH MORE HOW TO KEEP UP WITH JAMILA: - Get her book, "Your Journey to Financial Freedom: A Step By Step Guide To Achieving Wealth And Happiness: https://yourjourneytofinancialfreedom.com/ - Website: http://www.journeytolaunch.com - Apple Podcasts: https://itunes.apple.com/us/podcast/journey-to-launch-personal-finance-early-retirement/id1257126028?mt=2 - Google Podcasts: https://podcasts.google.com/feedaHR0cHM6Ly9qb3VybmV5dG9sYXVuY2gubGlic3luLmNvbS9yc3M - Instagram: https://www.instagram.com/journeytolaunch/ - Facebook Page: https://www.facebook.com/journeytolaunch/ - Twitter: https://twitter.com/journeytolaunch/ ❤ 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

On today's podcast episode, Meghan Dwyer discusses the biggest areas where women play small with their money and how to go from playing small to playing big! Meghan is a Certified Financial Planner and host of the 'Money Isn't Scary' podcast. After spending 15 years watching women take a passive role in the management of their money, she's on a mission to help them stop playing small. By challenging the societal norms around women and money, Meghan aims to empower women to make money decisions out of a sense of abundance and confidence, rather than scarcity and fear. When Meghan isn't working, she loves running, writing, and being mom to her two young boys. WHAT MEGHAN DISCUSSED: 1. tHE concept of playing small with money, and why it's particularly important to address this issue for women 2. How women CAN overcome the societal and personal limitations that might hold them back from pursuing higher-paying careers or opportunities 3. Specific spending habits or tendencies that women tend to exhibit that may hinder their financial progress and key strategies women can implement to ensure their spending aligns with their financial goals and priorities 4. Steps women can take to get started with investing and build a diversified portfolio AND MUCH MORE HOW TO KEEP UP WITH MEGHAN: - Via her website: https://www.moneyisntscary.com/ - On Instagram: https://www.instagram.com/moneyisntscary/ - On Facebook: https://www.facebook.com/MoneyIsntScary ❤ 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

On today's episode of the podcast, @farnooshtorabi discusses how fear can be a powerful ally in achieving financial and life success. Farnoosh is one of America's leading personal finance experts. She is the host of the award-winning podcast So Money that has earned over 30 million downloads. She is a sought-after speaker and author of multiple books. Her newest is entitled A Healthy State of Panic, part-memoir, part-guidebook on how fear can be a superpower to achieve true wealth and career success. Along with being featured in The New York Times, The Wall Street Journal, and Time Magazine, Farnoosh has appeared frequently on Today, Good Morning America, and more. WHAT FARNOOSH DISCUSSED: 1. What inspire her to explore this concept of healthy panic 2. The common fears that hold people back, and how to turn them into strengthsFeel 3. How to leverage the fear of money to improve one's financial situation 4. How the fear of failure and can help us embrace red flags and make the next right move. 5. How the fear of endings can deepen appreciation for what endures AND MUCH MORE HOW TO KEEP UP WITH FARNOOSH: - Via her book website: https://ahealthystateofpanic.com - On Instagram: https://www.instagram.com/farnooshtorabi - Tune into her podcast: So Money Podcast ❤ 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

From stress at work to nerve-racking headlines in the news to rude comments from strangers online. It can all get overwhelming when you want to protect your peace. But protecting your peace should be a priority - learn how to do it regardless of what's happening with this podcast episode! ❤ 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

Active vs passive incomes, which one offers more benefits? What are the pros and cons of each? And most importantly, how can you generate either or both? Keep watching to learn more! In this podcast episode, learn how to use passive and active income and how leverage them to reach your financial goals. ❤ 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

On today's episode, Abigail Atchison shares her story of going from debt ($12k) to achieving her dreams of becoming a foster mother. Abigail is a personal assistant living in Los Angeles. She thought she would never reach her dream of becoming a foster mom, but thanks to facing her debt and side hustles galore, she has paid off more that $12,000, started an emergency fund, and is currently certifying with a foster agency. Her journey has many miles ahead, but she is proud of how far she's come. For years she has wanted to be a foster mom and couldn't afford the extra space in Los Angeles, was mired down by credit card debt from her 20's and had no real financial plan. Today, she no longer has credit card debt and has created an emergency savings fund and retirement Roth IRA. Due to these changes she isnow certifying to be a foster mom! WHAT ABIGAIL DISCUSSED: - Why she felt becoming a foster mother would be impossible for her - The strategies she leveraged to pay off her $12k debt and build an emergency fund including balancing multiple jobs and side hustles - How she became certified with a foster agency - Her goals as a foster mom and for the future AND MUCH MORE HOW TO KEEP UP WITH ABIGAIL: Instagram: https://www.instagram.com/alphagirlbetachef / ❤ 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

On today's episode we discuss how to recover from budgeting setbacks with Mechaela Vardoulakis from Erin Condren. Mechaela shares her journey to paying off over $60,000 of debt and we also discuss how to leverage the new Erin Condren x Clever Girl Finance Budget Planner collaboration to aid this recovery! Mechaela is a Product Manager on the Product Development team at Erin Condren. She has been with the EC team for four years and before that, she was an Elementary School Teacher. She got her Master's in Education and taught for 4 years in the public school system in Orange County CA. She transitioned out of the classroom and into her role with Erin Condren and it's been an incredible journey since. ABOUT THE ERIN CONDREN X CLEVER GIRL FINANCE BUDGET PLANNER We are so excited to share the launch of the Erin Condren x Clever Girl Finance Budget Planner now available on ErinCondren.com! Set, track, and achieve your financial goals with this new, coiled Clever Girl Finance Budget Planner. This budgeting planner is filled with so much functionality and planning potential! T he easy-to-use monthly expense logs help you categorize your expenditures and help you see your spending patterns. Keep track of monthly recurring expenses, log your weekly spending habits, and use this budget planner to meet your savings goals. This planner includes a sticker sheet to help make budgeting fun, a double sided pocket folder for receipts and more, as well as Clever Girl Budgeting Tips throughout the entire planner! The planner is now available for $32.50 just in time for the holiday season and to help you kick off the new year on the right financial foot! Follow the Erin Condren brand on Instagram: https://instagram.com/erincondren

On today's podcast Gracia Holmes shares how personal development saved her life. Gracia is a social worker turned confidence coach and owner of Warm&Rooted. She helps others through a journey of self-discovery to build confidence to go after the life they truly want. Her career has taken her from working with adults with severe and persistent mental illness to entrepreneurship in the coaching space. Miss Holmes' coaching program has allowed her to showcase her talents in ways that feel authentic. She is passionate about seeing others thrive in their unique way. Her motto is "putting the fears aside and focusing on that I am dope." WHAT GRACIA DISCUSSED: - Her personal journey and how she found herself in a financial yo-yo pattern in her mid-twenties - How a lack of confidence was leading her towards financial struggles and bankruptcy - The strategies and steps she took to turn her life around AND MUCH MORE HOW TO KEEP UP WITH GRACIA: Her website:https://www.warmnrooted.com/ Instagram: https://www.instagram.com/Warmnrooted/ ❤ 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

On today's episode we discuss how to get into budgeting with Mechaela Vardoulakis from Erin Condren. We also discuss how to leverage the new Erin Condren x Clever Girl Finance Budget Planner to budget better! Mechaela is a Product Manager on the Product Development team at Erin Condren. She has been with the EC team for four years and before that, she was an Elementary School Teacher. She got her Master's in Education and taught for 4 years in the public school system in Orange County CA. She transitioned out of the classroom and into her role with Erin Condren and it's been an incredible journey since. ABOUT THE ERIN CONDREN X CLEVER GIRL FINANCE BUDGET PLANNER We are so excited to share the launch of the Erin Condren x Clever Girl Finance Budget Planner now available on ErinCondren.com! Set, track, and achieve your financial goals with this new, Clever Girl Finance Budget Planner. This budgeting planner is filled with so much functionality and planning potential! The easy-to-use monthly expense logs help you categorize your expenditures and help you see your spending patterns. Keep track of monthly recurring expenses, log your weekly spending habits, and use this budget planner to meet your savings goals. This planner includes a sticker sheet to help make budgeting fun, a double sided pocket folder for receipts and more, as well as Clever Girl Budgeting Tips throughout the entire planner! The planner is now available for $32.50 just in time for the holiday season and to help you kick off the new year on the right financial foot! Follow the Erin Condren brand on Instagram: https://instagram.com/erincondren

New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now

What can having immigrant parents teach you about building wealth? 

I'm sharing the powerful money lessons my immigrant parents taught me, lessons that shaped my mindset, my career, and ultimately helped me build wealth. Success doesn't always start with money. Sometimes it starts with resilience, sacrifice, and the lessons passed down from the people who raised you (Note: that doesn't only mean your parents).

My parents didn't give me a trust fund. But they gave me something far more valuable: discipline, perseverance, and the belief that financial freedom is possible, even when you start with nothing.

As the daughter of first-generation immigrants, I watched my parents break barriers, start over in a new country, and build a life through education, sacrifice, and determination. 

Those experiences shaped how I think about money, success, and legacy. 

What I share:

• The money lessons I learned growing up in an immigrant household
• How my parents' sacrifices shaped my mindset about wealth
• Why financial freedom is about more than just money
• The importance of building generational impact and legacy
• Why wealth is possible even if you didn't grow up with money

Whether you're building wealth from scratch, breaking generational cycles, or creating a new financial path for your family, this conversation is for you. Your background does not determine your financial future.

 

More Clever Girl Finance Resources:

👋 New to Clever Girl Finance? Start here:
https://clevergirlfinance.com/start-here

❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! 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: @clevergirlfinance

On today's podcast Selena shares her journey to overcoming $35,000 worth of debt after a broken engagement. She shares her mistakes to ensure more women have a way out of relationships, can financially stand on their own feet after separation or know how to address poor money choices in relationships. In 2022 Selena's engagement ended after making many poor money choices in the 6 years she and her finance were together. These choices landed with paying all of the bills, no savings and over $35,000 in consumer debt. She fought endlessly, to claw her way back, have a place of her own, all new furniture, pay almost every cent back of her debt off. In the following months she saved over $15,000. All while building a career, and her own small business from word of mouth. WHAT SELENA DISCUSSED: - The financial mistakes she made in her six year relationship that ended with a broken engagement. - The first steps she took to get back on her feet and out of debt - How she saved $15,000 in 6 months and built a successful business - How she managed her emotional and mental well-being AND MUCH MORE HOW TO KEEP UP WITH SELENA: LinkedIn: https://www.linkedin.com/in/selena-wiseman-3b864520b/ Instagram: https://www.instagram.com/selenawiseman/ ❤ 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

The constant pursuit of more and more stuff has become so ingrained in our culture that it's often hard to imagine what life would be like without it. But is it possible to be less materialistic? On this episode, get actionable tips on how to be less materialistic so you can enjoy the simple pleasures of life. It can be hard to not be materialistic because we live in a society where materialism is rampant. Keep in mind that wanting or owning material things isn't always bad. But there are many benefits to being less materialistic and not having your sole focus being on material things. ❤ 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

Liquid investing offers the opportunity to build wealth while keeping your funds easily accessible. Are you taking advantage of liquid investments? In this video, learn what liquid investments are and why it is important to maintain these types of assets as a part of your financial strategy! ❤ 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

On this episode of the podcast, Diamond Towns joins us to share key tips on how non-traditional income earners can build consistent savings. Diamond has a deep passion to help others gain confidence and feel empowered by their money. Most financial advice is centered around making more money—and understandably so— but she's found that developing the skillset of managing your money is just as important as increasing your income. Diamond works with non-traditional earners helping them optimize their income, gain control of their financial futures, and reduce financial stress by creating a financial plan aligned with their goals. WHAT DIAMOND DISCUSSED: - What inspired her to focus on non-traditional income earners and their challenges with building consistent savings - How gig workers, freelancers, and entrepreneurs can create a budget that accommodates their variable income streams while still allowing for consistent savings - Practical tips for creating an emergency fund when your income fluctuates month-to-month - Advice if you are transitioning from a traditional 9-to-5 job to a non-traditional income source regarding building consistent savings during the transition period AND MUCH MORE HOW TO KEEP UP WITH DIAMOND: On Instagram: www.instagram.com/moneycoachdiamond Via her website: https://diamondwealthgroup.lpages.co/blaze/ ❤ 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

Today Christina Mandal is sharing some awesome tips on how to get your next job with an amazingly irresistible resume! Christina Mandal is CEO of The Resume Counselor LLC, a resume writing company that crafts resumes, cover letters, and Linkedin profiles to propel careers and enable access to higher paying jobs. Her mission is to empower individuals by providing them with the tools they need to stand out in today's competitive job market. Christina works full time at Google in the Advertising Tech industry, and graduated from Cornell University, and is committed to helping women and people of color increase their confidence, secure interviews, and land higher paying jobs. WHAT CHRISTINA DISCUSSED: - The most common mistakes job seekers make on their resumes that prevent them from landing their desired roles and what should they be doing instead - Whether cover letters hold value or not and how to leverage them - How job seekers can leverage their LinkedIn profiles to attract attention from recruiters and hiring managers - Effective strategies for tailoring a resume to a specific job posting or industry - Advice for job seekers to stay motivated and persistent in their search AND MUCH MORE HOW TO KEEP UP WITH CHRISTINA: On Instagram: www.instagram.com/theresumecounselor Via her website: https://theresumecounselor.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

If you're ready to leave a relationship but are staying because you have no money, it can put you in a pretty bad situation. That said its important you are aware of your options to leave, so you don't feel trapped when it's time to go. On today's podcast, we are going to go over how to leave a relationship when you have no money. For resources and to create an action plan, please visit the National Domestic Violence Hotline website or call 800.799.SAFE (7233). ❤ 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

On today's podcast episode, Aitza Negron joins us to discuss how to use zero-based budgeting to pay off debt, save and boost your income! Aitza is a Certified Public Accountant, Financial Coach and Airbnb Superhost from Stamford, Connecticut. Currently living in South Florida, she is a first generation wealth builder who founded Strategies & T.E.A. in an effort to help others go from living paycheck-to-paycheck to stable and capable. She is also a proud Boricua (Puerto Rican)who enjoys spending time with family and friends, traveling and, more recently, a good game of tennis. WHAT AITZA DISCUSSED: - Why her budgeting method of choice is zero-based budgeting - How zero-based budgeting can help individuals or families pay off debts more effectively than other budgeting approaches - The key steps and practical ways to implement zero-based budgeting successfully - How zero-based budgeting can be adjusted to accommodate changes in income or unexpected expenses AND MUCH MORE HOW TO KEEP UP WITH AITZA: On Instagram: www.instagram.com/strategiesandtea Via her website: www.strategiesandtea.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

In life we are constantly faced with choices. Some of these choices are small and inconsequential, while others have the potential to shape our lives in profound ways. On the list of most important we will make in life is choosing and navigating a career path. Are you wondering what key factors to consider when choosing a career? In today's episode, let's go over 7 Important factors to consider when choosing a career! ❤ 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: http://instagram.com/clevergirlfinance

Do you dread waking up every day and showing up to work? Well, there could be a variety of reasons you hate your job. For instance, maybe you have a toxic boss, your boss is too demanding, or you are just uninspired by the work you do. This can be detrimental to your career in the long term. Have you ever been in a job you hated? What did you do about it? In today's video, we are going to go over how to survive a job you hate until you leave! ❤ 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: http://instagram.com/clevergirlfinance

On today's episode Dr. Brittne Halford shares the mindset shifts she made to pay off $138,000 in student loans in under 3 years. Dr. Brittne Halford MD, MPH, is an Internal Medicine Physician and Wealth Coach, empowering women in healthcare to achieve financial freedom while embracing joy. Dr. Halford is an Academic Hospitalist in Boston with an academic background from the University of Michigan and Northwestern University's Feinberg School of Medicine. As a wealth coach, Dr. Halford guides women in healthcare to save, pay off debt, and independently invest—without sacrificing joy. With her own success in paying off $138,000 in student loans within three years, she shares valuable money management strategies through her YouTube channel. Dr. Halford is also a co-founder of Bramilyn and Rose, a brand specializing in satin-lined hair accessories for women and children. Her passion for personal finance and creating generational wealth further fuels her mission. Balancing her professional achievements with her role as a wife and mother to Brooke and KJ, Dr. Halford exemplifies the connection between financial independence and joyful living. WHAT BRITTNE DISCUSSED: - Her personal journey of accruing $138k in student loan debt and the factors that contributed to it - What motivated her to tackle her student loans aggressively and pay off such a significant amount in such a short period - The specific resources or tools that were instrumental in helping her manage and track your progress in paying off your debt Her mindset and attitude towards money AND MUCH MORE HOW TO KEEP UP WITH BRITTNE: Website: MoreJoyMoreWealth.com Instagram: https://www.instagram.com/brittnehalford/ YouTube: https://www.youtube.com/channel/UC9RN5YjEyVfNqg2nyety4cQ LinkedIn: https://www.linkedin.com/in/brittne-halford/ ❤ 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

New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now

In this candid interview, Fo Alexander of Mama & Money sits down with Bola Sokunbi—founder of Clever Girl Finance and author of the new book, Clever Girl Millionaire, to uncover the unfiltered truth about building wealth.

They dive deep into the excuses that keep us stuck in "survival mode," the expensive setbacks we are too ashamed to talk about (like Bola's massive 401(k) and wedding expense mistakes!), and the practical steps required to move from financial stability to serious abundance. If you have ever felt "behind" or overwhelmed by the pressure of perfect financial timelines, this conversation is for you.

 

FO AND BOLA DISCUSSED:

• Why your financial comeback matters more than your setback, and why you cannot shame yourself into wealth.
• Why it is never too late to start building your legacy.
• The Excuses We Can't Afford: How to pivot from fear-based saving (safety) to asset-based growth (freedom).
• The 4 Pillars of Prosperity: A realistic breakdown of Earned Income, Investing, Real Estate, and Entrepreneurship.

 

CONNECT WITH FO ALEXANDER:

• On YouTube: https://www.youtube.com/@MamaNMoney
• Via her website: https://mamaandmoney.com/

 

More Clever Girl Finance Resources:

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On today's interview, Susana Briscoe-Alba shares gems on how to nail your next job interview. Susana Alba is the founder and CEO of Dunamis Consulting and Coaching Services, LLC. She is a highly-rated Leadership Coach & Career Strategist with 10+ years of experience as an inspiring leader, speaker, and certified Maxwell DiSC Trainer. She has served in the education industry, specifically within higher education, creating opportunities for students in marginalized communities. She helps women in mid-level management roles ascend to the C-Suite through career mapping and leadership coaching. A New York native, Susana enjoys spending time watching baseball with her husband and son when she's not working. WHAT SUSANA DISCUSSED: - Challenges job seekers face in the competitive job market, and how they can overcome them - Common mistakes she sees people make during job interviews, and how can they avoid them - Advice for individuals transitioning careers who may be unsure how to communicate their transferable skills during an interview effectively - Tips for conducting thorough research on a company before an interview and how that can impact the overall interview performance. AND MUCH MORE HOW TO KEEP UP WITH SUSANA: Instagram: https://www.instagram.com/iam_susanaalba/ LinkedIn: https://www.linkedin.com/in/susana-briscoe-alba/ ❤ 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: http://instagram.com/clevergirlfinance

Managing money can be challenging, especially when there are so many money myths and misconceptions floating around. These financial myths can lead you to make poor decisions, cause you to overspend, discourage you from seeking help, and cause lots of stress. On today's podcast, we are going to go over 21 money myths and how to avoid falling into these traps. ❤ 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: http://instagram.com/clevergirlfinance

Do you ever look back on certain money decisions you've made in the past and think, "My gosh… how could I have been so careless?!" The shame and humiliation feel real — and the more you think about it, the more embarrassed you become. In times like these, you may be experiencing a cycle of shame around money. Learning how to break this cycle and heal your relationship with money can help you shed your disappointment and chart a path forward. ❤ 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: http://instagram.com/clevergirlfinance

On today's episode Shay McMillan is sharing key tips to tackle different kinds of commonly faced budget challenges. Shay is a wife, dog mom, school based counselor, financial social worker, business owner, content creator and so much more. She is determined to create and lead a financially balanced life that she absolutely loves and enjoys. It is her mission to craft a perfect life and she inspires and encourages others to do the same offline and online. WHAT SHAY DISCUSSED: 1. the most common budget challenges that individuals face today 2. How to identify areas in a budget that need improvement 3. Common mistakes people make when creating a budget, and how they can avoid them 4. How to adjust your budget when unexpected expenses arise 5. Effective strategies for reducing expenses without sacrificing quality of life AND MUCH MORE HOW TO KEEP UP WITH SHAY: Instagram: shaybudgets YouTube: @shaybudgets TikTok: @shaybudgets Via her website: www.shaybudgets.com ❤ 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: http://instagram.com/clevergirlfinance

On today's podcast episode, Josie Rosario shares key mindset adjustments every entrepreneur needs to make to succeed in business! Josie is a visionary and masterful facilitator of powerful transformations. Her superpower lies in calling out outdated ways of being and thinking and calling in reimagined possibilities. This fervor comes from her lived experiences: as a Black Dominican-American woman and clinically-trained coach in family systems, Josie understands the power of trading generational cycles of suffering for an intentionally curated legacy. She believes that conscious entrepreneurship is a vehicle to that legacy and an important link to our personal and collective liberation. A proud New York City native who now calls Charlotte, North Carolina home, Josie is a two-time graduate of Columbia University, having graduated with distinction from the School of Social Work. She's certified in couples and family therapy from the renowned Ackerman Institute for the Family. When she's not coaching entrepreneurs on business, love, or life, you can find her traveling, hiking, or expressing her love through food. WHAT JOSIE DISCUSSED: - Why it's crucial to adopt a growth mindset given today's rapidly evolving business dynamics - Common mindset limitations that entrepreneurs often face, and how they can overcome them to achieve greater success - How entrepreneurs can embrace failure, cultivate a resilient mindset to navigate challenges, and bounce back from setbacks - Her top three mindset adjustments that every entrepreneur should make right now to thrive in the current business world AND MUCH MORE HOW TO KEEP UP WITH JOSIE: - Via her website for one-on-one entrepreneur performance coaching: www.josierosario.com - Instagram: Instagram.com/thejosierosario - Tune into her podcast, Healing Meets Hustle everywhere you listen to your podcast episodes ❤ 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: http://instagram.com/clevergirlfinance

On today's podcast episode, Cheya Thousand how minimizing stress and prioritizing wellness can help us achieve prosperity plus key tips to do so. Cheya is a sought-after speaker and corporate wellness consultant. She works with organizations to help turn around their workplace culture through transformative stress reduction and burnout-prevention programs. In 2019, Cheya founded, CT Wellness Co., a wellness education company, teaching organizations how to turn around their workplace culture through transformative stress-management programs that increase team performance through leveraging self-care. WHAT CHEYA DISCUSSED: - How she started in the field of wellness and why she focuses on stress reduction and burnout prevention - How minimizing stress and prioritizing wellness directly ties into achieving prosperity - Advice for those struggling to find a balance between personal well-being and the demands of work - The impact the book "Choosing To Prosper" had on her business AND MUCH MORE HOW TO KEEP UP WITH CHEYA: - Via her website: https://www.ctwellnessco.com/ - You can also find her books titled, "Holding Space for Self Book" AND I Am More Than A Conqueror" - On Instagram: @cheyathousand ❤ 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: http://instagram.com/clevergirlfinance

On today's podcast episode, Michela Allocca shares key tips on how we can do a mid-year reset and why we should! Michela is a Financial Analyst & Entrepreneur specializing in Gen Z and Millennial money management. She focuses on instilling sustainable and intentional spending, saving, and budgeting practices into your life so you can reach your 6-figure savings goals. With over 900,000 followers on social and her own set of signature online courses, Michela has successfully built a platform that speaks directly to the growing number of young people who are ready to take their financial power back. WHAT MICHELA DISCUSSED: - Why it is important to consider implementing a mid-year reset - Exactly what a mid-year reset entails - Key advice if you are feeling overwhelmed or discouraged about your financial goal halfway through the year - How to strike a balance between enjoying the present and saving for the future when reassessing financial goals and priorities AND MUCH MORE HOW TO KEEP UP WITH MICHELA: Via her website: https://breakyourbudget.com On Instagram: @breakyourbudget On TikTok: @breakyourbudget On Youtube: @breakyourbudget The personal finance dashboard tool she mentioned: https://breakyourbudget.com/shop ❤ 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: http://instagram.com/clevergirlfinance

On today's podcast episode, Haley Sacks AKA Mrs Dow Jones shares key tips for vacation planning in a sky-rocketing travel economy! ABOUT HALEY: Like most people in their 20s, Haley Sacks did not understand money. She had the desire to enter the financial world, but it seemed the only methods of learning its ins and outs involved indecipherable jargon and boring videos. Sacks took note of the content gap in the personal finance sector and, fueled by her frustration, decided to combine her newfound interest in finances and her background in entertainment to do the impossible: make finance cool. Four years later, it seems Sacks has conquered the impossible. Using a combination of pop culture, humor, memes, videos, and more, Haley has gotten through to millennials and Gen Z about finance. Sacks now engages over 500,000 followers across her social media platforms, and that number is continuing to grow daily. WHAT HALEY DISCUSSED: - The most important financial considerations that travelers should keep in mind - Planning your budget and saving for travel - Tips to find better rates and deals - Travel scams to avoid AND MUCH MORE HOW TO KEEP UP WITH HALEY: Instagram: https://instagram.com/MrsDowJones Via her website: https://www.financeiscool.com/ ❤ 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: http://instagram.com/clevergirlfinance

On today's podcast episode, Dr. Latifah shares key tips on how to adjust your money mindset! Dr Latifah is a Gastroenterologist, money coach, and mama of three little ladies. Seven years ago, she knew zero about money and realized that in order to practice medicine authentically, she had to figure out her finances. She quickly realized that it was never about money math. It was mostly about the mindset. She mastered this for herself and now teaches women physicians how to create wealth from the inside out. First, by mastering their money mindset. Her book, Done with Broke is a written account of these timeless principles. Her goal is to equip more women to master their money so they can live & serve authentically. WHAT LATIFAH DISCUSSED: - What "money mindset" means - Common money mindsets holding people back - Why people might be ignoring their money mindset - How to identify and change negative money mindsets AND MUCH MORE HOW TO KEEP UP WITH LATIFAH: Via her website: https://www.moneyfitmd.com/ On Instagram: https://www.instagram.com/moneyfitmd Latifah's Book: https://www.amazon.com/Done-Broke-Woman-Physicians-Hustle/dp/1544541112/ Latifah's Podcast: The Money Fit Md Podcast ❤ 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: http://instagram.com/clevergirlfinance

Perhaps you've found yourself in a period of overshopping - We've all been there, right? Those extra purchases snuck up on you and now It's time to visit "shopping ban island!" Well, a stay on shopping ban island can reset your spending habits and put you on the right track to reach your financial goals. Have you noticed a surge in your spending and are ready to reset your spending habits to reach your goals? Tune in! ❤ 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: http://instagram.com/clevergirlfinance

New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now

If you've ever thought, "How am I supposed to save money when I barely make enough to cover my bills?", this podcast episode is for you.

Saving money on a low income can feel impossible. Rent, groceries, debt, childcare — it adds up fast. But here's the truth: you can start building savings, even if it's just $5 at a time.

On this episode, I'm walking you through realistic, practical ways to save money on a tight budget, without shame, without skipping meals, and without feeling deprived.

 

YOU'LL LEARN:

• How to start an emergency fund on a low income
• How to automate tiny savings transfers
• How to save money when living paycheck to paycheck
• Simple ways to cut expenses without extreme restriction
• How to create extra income with micro side hustles 
• How to stay motivated when savings feel slow 

Building financial security isn't about big deposits. It's about consistency and strategy. Even small amounts saved can create real peace of mind.

 

More Clever Girl Finance Resources:

👋 New to Clever Girl Finance? Start here:
https://clevergirlfinance.com/start-here

❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! 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: @clevergirlfinance

Should you save money or pay off debt? What is the best debt repayment method? Should you be investing if you have debt? Should you consolidate your debt? How are you navigating paying off debt? Tune into today's Q&A session for the answers to these common questions! ❤ 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: http://instagram.com/clevergirlfinance

From meals out with friends, romantic dinners for two, and family birthdays with the kids, eating out is a fun and sociable way to spend your time! But it could be derailing your budget! Do you eat out a lot? Trying to cut back to save some extra cash? Here are 7 tips to stop eating out so much so you can save some money! ❤ 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: http://instagram.com/clevergirlfinance

Most of us know that it's important to count our blessings. But not many of us take the time to be thankful for all the great things in our life every day. One way to make gratitude a part of your life is to establish a daily gratitude routine. In today's episode, we are going to discuss how to establish a daily gratitude routine for yourself. Let's get into how you can build this practice today! ❤ 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: http://instagram.com/clevergirlfinance