The Clever Girls Know Podcast With Bola Sokunbi

Episódios

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  433: 8 Truths About Money Every Woman Needs to Hear 14.07.2026 15min

  Building wealth as a woman isn't just about saving more or investing earlier. There are unique financial realities that many women face—and most traditional money advice doesn't talk about them. On this episode, I share 8 important truths every woman should know about building long-term wealth, including how the wage gap, career breaks, caregiving responsibilities, longer life expectancy, and financial expectations can shape your financial future.   You'll learn: Why negotiating your salary matters more than you think How career breaks impact long-term wealth Why women need a different retirement strategy How to protect your financial future while supporting family Why building wealth isn't just about discipline—it's about strategy If you're serious about becoming financially independent and building lasting wealth, this conversation is for you.   New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now   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
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  432: When Good Money Habits Go Off Track: Recovering From Lifestyle Creep With Stephanie Khumalo 07.07.2026 31min

  On this episode of the podcast, we're joined by Stephanie Khumalo, an events and communications professional whose financial journey is a powerful reminder that a healthy relationship with money can be learned, and relearned. Despite growing up with a strong financial foundation and later earning an MBA, Stephanie found herself facing lifestyle inflation, consumer debt, poor credit, and delayed financial goals after falling into spending habits that gradually pulled her off track. In this candid conversation, she shares how financial stress affected multiple areas of her life, the mindset shifts that helped her regain control, and how support from loved ones, delayed gratification, and intentional financial decisions helped her rebuild. Today, Stephanie is focused on investing, paying down student loans, managing a mortgage, and creating multiple income streams while defining financial success on her own terms.   What Stephanie Discussed on the Podcast: Growing up with a strong financial foundation and how lifestyle creep began after getting her first car. Early warning signs that spending was getting ahead of her financial goals. How financial stress impacted her confidence, relationships, and future plans. Her experience with poor credit, consumer debt, and delayed financial milestones. Why a healthy money mindset can be learned or relearned at any stage of life. The role her husband and loved ones played in supporting her financial recovery. Navigating periods of being underpaid or underemployed without giving up on her goals. How delayed gratification helped accelerate her financial progress. What financial success means to her today compared to a decade ago. Advice for anyone feeling ashamed of past financial mistakes or worried they're too far behind. AND SO MUCH MORE   How to Keep Up With Stephanie: Follow on Instagram: @stephforthewin27 Learn more: Stephanie's website   New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now   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
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  431: Building Financial Stability as a Single Mom 30.06.2026 37min

  On this episode of the podcast, we're joined by Easter Givens-Okoli for an inspiring conversation about building financial stability as a single mom during one of the most difficult seasons of her life. During the height of the pandemic, Easter was managing overwhelming credit card debt, caring for her household on one income, and trying to keep everything together emotionally and financially. Through faith, entrepreneurship, resilience, and the practical financial education she found along the way, she slowly began transforming her finances and breaking cycles of financial burden for her family and future generations.  Easter shares the mindset shifts, small habits, and intentional decisions that helped her pay off debt, improve her credit, and build a stronger financial foundation—all while navigating the realities of single motherhood.   What Easter Discussed on the Podcast: What life looked like during the pandemic as a single mom managing everything on one income. The emotional and financial weight of carrying overwhelming credit card debt. Why shame around debt and financial struggle is so common, especially among single mothers. What made personal finance finally feel accessible and realistic for her. Small financial habits and changes that created momentum early on. How her mindset around money evolved as she paid off debt and improved her finances. Why financial stability is more about managing what you have than how much you earn. Balancing household responsibilities while still prioritizing financial goals. The emotional impact of improving her credit score and becoming debt-free. Staying motivated through slow progress and discouraging moments. Advice for women and single mothers feeling financially overwhelmed and unsure where to begin. What she's most proud of about her journey.   How to Keep Up With Easter: Facebook: Easter Okoli Google: Okoli Heart & Soul CPR    New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now   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
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  430: Vicky Quit Corporate, Moved to 4 Countries, and Finally Stopped Feeling Behind 23.06.2026 44min

  On this episode of the podcast, we're joined by Vicky South for a deeply honest conversation about burnout, debt, emotional spending, and redefining success at 40. Vicky is a British expat who has spent more than 15 years living across Vietnam, India, Hong Kong, and Argentina, navigating money across multiple countries and currencies while intentionally choosing a nontraditional path. Despite being financially knowledgeable from a young age—even researching savings account interest rates as a child—she shares how emotional health, anxiety, and burnout shaped her financial decisions just as much as financial literacy did. Now in the middle of an 18-month transition out of corporate life and into entrepreneurship, Vicky opens up about managing finances without a traditional paycheck, unlearning shame around money, and helping women understand that they are not "behind" just because their lives don't follow conventional timelines.   What Vicky Discussed on the Podcast: How living across multiple countries shaped her perspective on money, freedom, and success. Why choosing not to buy property was an intentional decision—not a failure. Her early fascination with money and financial literacy. Why financial knowledge alone isn't enough to build healthy money habits. The connection between anxiety, emotional health, shopping, and overspending. What burnout taught her about work, identity, and financial security. How she has stayed financially stable during an 18-month career pivot without a salary or pension. Why so many women feel "behind" financially by 40 and how to release comparison-based thinking. How teaching herself to invest during the 2008 banking crisis shaped her confidence with money. Lessons learned from managing finances across currencies, countries, and financial systems as an expat. Shame narratives and money beliefs she had to unlearn. Advice for women feeling embarrassed about debt, financial mistakes, or starting over later in life. AND SO MUCH MORE How to Keep Up With Vicky: Substack: Money — For Those Who Feel Behind LinkedIn: Vicky South Instagram: @vicsouthexplorer   New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now   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
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  429: You're Making More Money But Still Broke? 7 Mistakes Keeping You Stuck 11.06.2026 13min

  Your salary keeps increasing, but somehow you're still living paycheck to paycheck. If you've ever gotten a raise, promotion, or new job and wondered where all the extra money went, you're not alone. On this podcast episode, I'm breaking down the real reasons why earning more money doesn't automatically make you wealthier, and what you can do to finally get ahead financially. We'll talk about lifestyle inflation, rising fixed expenses, saving and investing strategies, debt, budgeting, and the mindset shifts that help you turn higher income into real wealth. You'll learn:  Why lifestyle creep keeps so many high earners broke How fixed expenses quietly consume your raises The pay-yourself-first strategy that actually works Why debt may be stealing your income growth How to create a spending plan that supports your goals The difference between saving money and building wealth Why defining your version of "enough" matters If you're tired of making more money without making financial progress, this episode will help you create a plan that allows you to keep more, save more, invest more, and build lasting wealth.   New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now   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
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  428: Building a Purpose-Driven Business Without Losing Yourself 09.06.2026 43min

  On this episode of the podcast, we're joined by Marcia Armstrong, MBA, founder of A Purpose Life and a multi-award-winning finance educator and business consultant, for an insightful conversation about building a purpose-driven business without losing yourself in the process. With more than 15 years of experience in the finance industry, Marcia has helped individuals and organizations make strategic financial decisions that lead to sustainable success. She shares her journey from having a strong foundation in personal finance to navigating the very different realities of entrepreneurship, including the challenges of managing cash flow, pricing, business growth, and the emotional weight that often comes with being a founder. This episode is packed with practical lessons for entrepreneurs who want to build profitable businesses while protecting their wellbeing and staying aligned with their purpose.   What Marcia Discussed on the Podcast: Her journey into entrepreneurship and the inspiration behind launching A Purpose Life. The differences between managing personal finances and managing business finances. Why financial confidence in your personal life doesn't automatically translate to business success. Financial lessons learned the hard way during the early stages of entrepreneurship. Navigating the pressure of being solely responsible for business and personal financial stability. The shift from reactive financial decisions to intentional planning and strategy. Financial systems and habits that created more structure, clarity, and peace of mind. Why entrepreneurs need to separate business performance from personal identity. How her approach to pricing, cash flow, and growth has evolved over time. Advice for entrepreneurs who avoid looking at their numbers because of fear or emotional attachment. Building a financially sustainable business without falling into burnout. The business and money lessons she wishes she had learned earlier.   How to Keep Up With Marcia: Follow on Instagram: @apurposelife246 Connect on LinkedIn: Marcia Armstrong Learn more: apurposelife246.com   New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now   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
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  427: The Real Reason You Can't Stay Financially Disciplined (And How To Make It Easier) 04.06.2026 13min

  Why does financial discipline feel so hard sometimes? Why do you keep overspending even when you genuinely want to stop?  On this episode, I'm breaking down the real reasons financial discipline feels difficult, and why it has far less to do with willpower than most people think. You'll learn: Why relying on motivation keeps people stuck How your environment impacts your spending habits The systems that make managing money easier Why all-or-nothing thinking sabotages your progress How to build habits that actually stick The mindset shifts that help you stay consistent long term  If you've been feeling frustrated with your money habits, this episode will help you stop blaming yourself and start creating systems that actually support your financial goals. Because building wealth is not about being perfect. It's about building a financial life that works for you consistently over time.   New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now   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
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  426: Why You Keep Overspending (And How To Finally Stop) 02.06.2026 15min

  You know you probably shouldn't have bought it… but you did anyway. And no — it's not because you're "bad with money." Overspending is rarely just a money problem. It's emotional, behavioral, psychological, and often deeply connected to your habits, environment, and past experiences with money. On this episode, I'm breaking down the REAL reasons why people overspend, even when they know better, and how to finally start changing those habits for good. If you've struggled with impulse spending, emotional spending, lifestyle creep, or constantly feeling like your money disappears, this video is for you. You'll learn: Why emotional spending happens How social media and your environment influence your spending The psychology behind impulse purchases Why budgeting alone often doesn't work How to stop overspending without shame or guilt Practical strategies to become more intentional with money  The truth is: awareness changes everything. Once you understand why you overspend, you can finally start building habits that support your financial goals instead of sabotaging them.   New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now   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
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  425: How to Raise Money-Smart Kids with Confidence and Purpose With Jamie Bosse 26.05.2026 27min

  On this episode of the podcast, we're joined by Jamie Bosse—Financial Planner, author, and mom of four—for an empowering conversation about how to raise financially confident kids and introduce investing early. Jamie is passionate about helping young families take control of their finances while teaching children practical money skills that will serve them for life. As the author of Investing for Tweens, Money Boss Mom, and the Milton the Money Savvy Pup children's book series, she believes financial literacy should start long before adulthood. In this episode, Jamie shares simple, realistic ways parents can teach investing, saving, and healthy money habits without overwhelm—while also modeling confidence, balance, and intentionality at home.   What Jamie Discussed on the Podcast: Her background and what inspired her passion for helping families raise money-smart kids. Why teaching investing and financial literacy early is so important for tweens and young children. Advice for parents who feel intimidated teaching money lessons while still figuring out finances themselves. The most important financial lessons tweens should learn before becoming teenagers. Simple and engaging ways to introduce investing to children. Common mistakes families make when teaching kids about money and how to avoid them. How to teach delayed gratification and smart saving without creating fear or guilt around spending. How being a mom of four shaped her approach to financial education. Practical ways to make money conversations part of everyday family life. Mindset shifts that help children grow into financially confident adults.   How to Keep Up With Jamie: Instagram: @MoneyBossMom Facebook: Money Boss Mom Websites: CGNadvisors.com Personal site: moneybossmom.com More of her books: miltonthemoneysavvypup.com   New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now   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
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  424: Money Moves Every Newlywed Should Make Right Away 21.05.2026 9min

  You just got married, congratulations! This is one of the most exciting chapters of your life… but it's also one of the most important times to get your money right. Because here's the truth: merging your life also means merging your finances — and if you don't do it intentionally, money can quickly become a source of stress instead of strength in your marriage. On this episode, I'm walking you through 9 smart money moves every newly married couple should make right away to build a strong financial foundation together. Whether you're combining finances, keeping things separate, or doing a hybrid approach — these steps will help you avoid common mistakes and start building wealth as a team. You'll learn key tips on: How to talk openly about money with your spouse How to structure your bank accounts as a couple How to align your financial goals and avoid conflict What to update immediately after getting married How to build an emergency fund and protect your future Why estate planning matters (even early on)  Marriage is about partnership, and that includes your money.   New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now   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
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  423: Bankruptcy, Healing And Starting Over 19.05.2026 29min

  On this episode of the podcast, we're joined by Deora Clairé—Digital Marketing Professional, author, speaker, and Christian bilingual singer-songwriter—for a deeply honest conversation about rebuilding your life after financial and personal setbacks. Deora opens up about her mental health crisis during the pandemic, the experience of filing for bankruptcy at 26, and the reality of starting over from the ground up—financially, emotionally, and spiritually. She shares how she moved from that low point into a high-earning corporate role while intentionally rebuilding her savings, paying down debt, and restoring her credit. Through her story, Deora offers powerful insight into choosing consistency over perfection, releasing financial shame, and finding the confidence to begin again—no matter where you're starting from.   What Deora Discussed on the Podcast: Her experience navigating a mental health crisis and how it impacted her finances. What filing for bankruptcy at 26 was really like—emotionally and financially. The reality that habits don't automatically change after debt discharge. The turning point that sparked both mental and financial transformation. What choosing consistency over perfection looks like in real life. Mindset shifts needed to break cycles of debt and negative net worth. Letting go of financial shame and rebuilding confidence. Advice for anyone feeling like they've completely messed up their finances.   How to Keep Up With Deora Clairé: Follow on Instagram: @deoraclaire Learn more: deoraclaire.com   New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now   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
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  422: Paid Off Debt? Do These 10 Things Next (Don't Mess This Up) 14.05.2026 8min

  If you've paid off your debt… first of all, congratulations. That is a huge financial milestone. But here's the truth most people don't talk about: What you do next matters just as much as paying it off. Because if you don't have a plan, that extra money can disappear just as quickly as it used to go toward debt. On this episode, I'm walking you through 10 smart money moves to make after paying off debt so you can stay debt-free and start building real wealth. You'll learn:  What to do immediately after paying off debt How to avoid lifestyle creep Where to put your extra money now How to build your emergency fund the right way How to start investing after debt How to shift your mindset from debt-free to wealth builder This is your next chapter. Paying off debt is often about survival. What comes next is about ownership, investing, and long-term wealth.   New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now   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
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  421: $80K in Debt to Homeowner: Angela's Financial Transformation 12.05.2026 28min

  On this episode of the podcast, we're joined by Angela Weikel, founder of The Moneta Academy, for a powerful conversation about what it really takes to rebuild your finances while navigating burnout, service work, and real life pressure.  She shares her personal journey from being nearly $80,000 in debt and emotionally overwhelmed to achieving financial stability, paying off her car, and becoming a homeowner. Through a nervous-system–informed lens, Angela reframes financial stress and burnout not as personal failure, but as a response to systemic strain, and offers a more compassionate, sustainable path to building clarity, confidence, and peace with money. Angela is deeply committed to supporting the helpers—case managers, advocates, and system leaders—who carry so much for others, often at the expense of themselves. What Angela Discussed on the Podcast: Her background and what led her to join Clever Girl Finance. What life felt like while carrying nearly $80,000 in debt—emotionally and financially. The decision to stop staying stuck and take control of her finances. Building a relationship with money rooted in clarity, consistency, and self-trust. The specific tools and frameworks that helped her pay off debt. What made her financial transformation sustainable—not just temporary. The difference between financial stability and true financial peace. How goal setting helped turn intention into real, measurable progress. Challenging the belief that financial stability isn't possible for everyone. How her personal journey now shapes the way she supports others through The Moneta Academy. Advice for women who pour into others but feel financially and emotionally drained themselves. Her clever girl superpower. Where to learn more about her work and offerings.   How to Keep Up With Angela Weikel: LinkedIn: Angela Weikel Instagram: @the_moneta_academy Join her waitlist: Mini Course Waitlist Learn more: Angela Weikel   New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now   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
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  420: 8 Money Moves Every New Parent Needs to Make Right Now 05.05.2026 8min

  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 just had a baby, or you're about to, your life has changed in a big way. And your finances? They've changed too. In this episode, I'm breaking down 8 essential money moves every new parent needs to make right now to protect their family and build long-term financial security. These are practical, real-life steps you can take immediately—even if you're exhausted and short on time. Because the truth is: the decisions you make in these early months can have a lasting impact on your financial future. You'll learn key tips on:  How to update your budget for your new reality Why your emergency fund needs to grow—and by how much What to know about adding your baby to health insurance Why life insurance is critical once you have a child Updating your beneficiaries and create a will Starting to save for college with a 529 plan Thinking through your income and career plan as a parent Why automating your savings is a game-changer   For new and expecting parents: Whether you're a new mom, expecting your first baby, or growing your family, these money tips will help you feel more confident and prepared with your finances.   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
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  419: The 4 Pillars of Wealth That Made Me a Millionaire (It's Not Luck) 28.04.2026 15min

  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 felt like wealth is only for "other people," you're not alone. I used to think the same thing—until I realized that building wealth isn't about luck, or hype. It's about having a system. In this video, I'm breaking down the 4 pillars of wealth that helped me become a millionaire, and how you can start using them in your own life today.    You'll learn:  What the 4 pillars of wealth are How to turn your income into long-term wealth Why you don't need to do everything at once How to build a strategy that actually fits your life Whether you're just starting your financial journey or looking to level up, this framework will help you build wealth with intention—not guesswork.   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
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  418: From Credit Card Debt to Business Owner: Nancy's Real Money Transformation 23.04.2026 16min

  New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now On this episode of the Clever Girls Know Podcast, I'm sitting down with one of you—a Clever Girls Know Podcast listener and community member—to talk about what it really looks like to start from scratch and stay consistent. I'm interviewing Nancy Ceus-Decoteau, an aspiring educator and entrepreneur who began her financial journey during the pandemic in 2020. What started with discovering Clever Girl Finance and using free worksheets turned into a complete mindset shift around money. Since then, Nancy has launched her own childcare business, is working toward her bachelor's degree to become a teacher, and is actively building a foundation for long-term financial freedom. Her story is a reminder that wealth-building doesn't start with perfection—it starts with a decision to do better, one step at a time. What Nancy Discussed How she started her financial journey during the pandemic in 2020 Feeling unprepared with money and deciding to take budgeting seriously Discovering Clever Girl Finance and using free worksheets to organize her finances Building her first budget and creating a clear financial plan Gaining confidence through learning, reading, and applying financial concepts Starting her childcare business and stepping into entrepreneurship Developing discipline and responsibility with money as a business owner Navigating challenges with saving and staying consistent Balancing school, business, and financial goals at the same time Staying committed to long-term financial freedom despite setbacks Defining what financial freedom looks like for her future Advice for others who are just beginning their financial journey   How to Keep Up With Nancy Follow on Instagram: @nancy_poo92 Follow her business journey: @nurturedbynd   More Clever Girl Finance Resources: 👋 New to Clever Girl Finance? Start here: https://clevergirlfinance.com/start-here ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance
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  417: My Life has been Life-Ing… Unexpected Expenses & Staying on Track (Live Session Replay) 21.04.2026 38min

  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
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  416: Starting a New Job? 7 Money Moves You Must Make Right Away 16.04.2026 7min

  New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now You just started a new job, and that's a huge win. But before your first paycheck turns into lifestyle upgrades, there are key financial moves you need to make right away.  On this episode, I'm breaking down 7 smart money moves to make when starting a new job, so you can turn your new income into real, long-term wealth, not just higher expenses.  If you've been wondering: What should I do with my first paycheck? How much should I contribute to my 401(k)? How do I avoid lifestyle inflation? What financial steps should I take at a new job? This episode will walk you through exactly what to do.  You'll learn:  How to choose the right benefits (and avoid costly mistakes) How to maximize your employer retirement match Why updating your tax withholding matters How to avoid lifestyle inflation with a higher salary How to build or strengthen your emergency fund Why tracking your first paychecks is critical And how to set your next income goal   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
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  415: How Odunayo Went From $40K to $1M Assets in 5 Years 14.04.2026 28min

  New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now On this episode of the podcast, I'm joined by Odunayo Ajayi, a Technical Program Manager at Microsoft and Clever Girls Know Podcast listener, who shares how she grew her assets from $40,000 to $1 million in just five years. Originally from Akure, Nigeria and now based in New Jersey, Odunayo brings a unique blend of professional experience, faith, and financial discipline to her wealth-building journey. She opens up about the early mistakes, key turning points, and intentional strategies that helped her build momentum—and ultimately achieve a major financial milestone.  If you've ever felt behind or unsure where to start, this episode is proof that with clarity, consistency, and the right mindset, real transformation is possible. What Odunayo Discussed on the Podcast: Her starting point at $40K and what her financial life looked like at the time. Early gaps in financial knowledge and key money mistakes. The turning point that led her to take her finances seriously. The first financial changes that created momentum. A step-by-step breakdown of how she grew her assets to $1M in five years. Her early investing strategy and how she made decisions. Challenges and setbacks faced along the way and how she navigated them. Mindset shifts that helped her move from uncertainty to confidence. Balancing wealth-building with family goals and future planning. Advice for anyone feeling behind or overwhelmed with their finances. AND SO MUCH MORE How to Keep Up With Odunayo: Follow on Instagram: @odunayooajayi Learn more: odunayoajayi.com   More Clever Girl Finance Resources: 👋 New to Clever Girl Finance? Start here: https://clevergirlfinance.com/start-here ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: @clevergirlfinance
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  414: I Thought My Rental Was Passive Income… Until This Happened (Tenant From Hell) 09.04.2026 15min

  New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now Everyone talks about rental properties like they're the ultimate passive income strategy, but that hasn't always been my experience. On this episode, I'm sharing the real story of how one of my rental properties turned into a stressful and expensive situation, and the lessons I learned the hard way about real estate investing! If you're thinking about becoming a landlord, building passive income through real estate, or adding property to your wealth-building strategy, this is something you need to hear first. I walk through: What went wrong with my tenant (and the red flags I missed)  The financial and emotional cost of dealing with a difficult tenant Why real estate is not always "passive income" The key lessons I learned about cash flow, screening tenants, and setting boundaries How I changed my real estate strategy after this experience Real estate can absolutely be a powerful way to build wealth, but only if you approach it like a real business, not a side hobby. If you've ever wondered whether rental properties are really worth it, this video will give you a much more honest perspective.   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