The "Clever Girls Know" Podcast

On this episode of the podcast, we're joined by Esther Bangura, a UK-based neurodivergent money coach, researcher, and podcast host, for an important conversation about managing money with ADHD and neurodivergence. After receiving an ADHD diagnosis as an adult, Esther began to understand that many of the financial challenges she had experienced including debt, avoidance, overwhelm, and stress spending, weren't simply about a lack of discipline. That realization transformed the way she approached her own finances and ultimately shaped the work she does today helping neurodivergent adults build calmer, shame-free money systems. In this episode, Esther shares how neurodivergence can affect financial behaviors, why traditional budgeting and willpower-based advice may not work for everyone, and practical ways to use automation, simplification, and personalized systems to make managing money easier and more sustainable. What Esther Discussed on the Podcast: What neurodivergence means and how it can influence money management. How her adult ADHD diagnosis changed the way she understood her past financial struggles. Why difficulty managing money isn't always a discipline or willpower problem. The impact of executive function, emotional regulation, and overwhelm on financial behaviors. Understanding financial avoidance and practical ways to interrupt the cycle. Strategies for creating a pause between an impulse to spend and making a purchase. What a more neurodivergent-friendly approach to budgeting can look like. Using automation, separate accounts, reminders, and visual cues to reduce the mental load of managing money. Addressing debt without allowing shame to prevent financial progress. Recognizing when a financial system needs more consistency versus when the system simply isn't a good fit. Creating a calmer relationship with money for anyone who has internalized the belief that they're "bad with money." AND SO MUCH MORE How to Keep Up With Esther: Follow Esther Bangura on Instagram: @bossofmymoney Learn more about Esther Bangura and her work: estherbangura.com Tune into her podcast - Neurodivergent Money Management: https://open.spotify.com/show/0GzXmbU6LwVtMF3DmJcBGm Latest 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

What do financially successful women have in common? After more than a decade of building Clever Girl Finance and speaking with hundreds of women who have built significant wealth, I've noticed something: they didn't all start in the same place, follow the same investing strategy, or build wealth at the same age. But there is one trait I see again and again: they take ownership of building their wealth. In this episode, I'm breaking down what that actually looks like and four behaviors you can start practicing in your own financial life. What you'll learn: The #1 trait I've consistently observed in financially successful women Why taking ownership of your finances does not mean knowing everything about money Why wealthy women aren't afraid to ask questions or admit what they don't know How financially successful women think about risk, investing, career opportunities, and entrepreneurship Why understanding both the potential downside and upside matters when making financial decisions How playing the long game can help your saving, investing, income, and financial decisions compound over time Why building wealth isn't about being fearless or financially perfect How to become a more active participant in your own financial future Building wealth isn't one perfect decision or one lucky break. It's learning, making informed decisions, taking calculated risks, adjusting when life changes, and staying in the game long enough for your decisions to compound. Latest 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

On this episode of the podcast, we're joined by Lara Olutunbi, Founder and Creative Director of LarAllan, a London-based contemporary handbag brand known for timeless statement pieces that blend sculptural design, functionality, and African heritage. Originally from Nigeria, Lara built an international career in financial services across the UK, Switzerland, Canada, and the United States before turning a lifelong passion for design into a business. After training at Central Saint Martins and completing the Fashion Executive Masterclass through the London School of Economics and Africa Fashion Week London, she founded LarAllan in 2017. Since then, the brand has earned international recognition through Nordstrom.com, the ADAN x Zalando Black-Owned Brands Accelerator, CANEX, and other global fashion platforms. In this episode, Lara shares how she made the transition from finance to fashion, the realities of building and growing a product-based business, the financial lessons that have shaped her as an entrepreneur, and why creating greater visibility for African luxury is such an important part of her work. What Lara Discussed on the Podcast: Her journey from an international career in financial services to founding LarAllan. Turning a lifelong passion for design into a viable fashion business through education and preparation. The early realities of launching a handbag brand, from funding and manufacturing to product development and finding customers. The challenges of building and growing an independent luxury accessories brand. Financial lessons around pricing, inventory, cash flow, and deciding where to invest in the business. How her finance background shaped her approach to risk, growth, and strategic decision-making. What a career in finance couldn't prepare her for about entrepreneurship. Creating opportunities that led to international recognition and retail placement on Nordstrom.com. How to evaluate opportunities and say no when something doesn't make financial or strategic sense. What African luxury means to her and the importance of increasing its visibility within the global fashion industry. The decisions and lessons that have shaped nearly a decade of building LarAllan. Advice for women who want to explore a creative business idea without immediately walking away from an established career. AND SO MUCH MORE How to Keep Up With Lara: Shop on Website: https://LarAllan.com and on Nordstrom.com Instagram: @larallan Latest 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

Some of the most popular financial advice sounds great in theory, but doesn't always work in real life. After more than 10 years in personal finance and helping hundreds of thousands of women through Clever Girl Finance, I've learned that technically correct money advice can still be bad advice when it's too rigid, unrealistic, or impossible to sustain. On this episode, I'm sharing 4 pieces of financial advice I no longer give, why I've changed my perspective, and what I believe works better for building wealth over the long term. What you'll learn: Why you don't necessarily need to pay off all debt before you start investing When it actually makes sense to use your emergency fund Why cutting every small joy out of your budget can make your financial plan harder to sustain Why waiting until you feel completely ready can keep you from investing, negotiating, starting a business, or pursuing bigger financial goals How to think beyond rigid personal finance rules and make smarter decisions for your own circumstances Why sustainable financial habits matter more than trying to follow a "perfect" money plan The biggest lesson I've learned is that personal finance is rarely all-or-nothing. The goal isn't to follow the strictest financial rules—it's to build a financial life you can realistically sustain for decades. 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

AI can help you plan a vacation, write an email, compare products, and answer almost any question you can think of, so it's no surprise that more people are turning to tools like ChatGPT for help with their money, too. In this episode, I break down how to use AI as a helpful financial education and research tool without handing over your financial decision-making. From understanding financial concepts and asking better questions to recognizing when AI might be giving you incomplete, outdated, or simply incorrect information, this conversation is all about staying informed and keeping yourself in the driver's seat. What you'll learn: The difference between financial education and personalized financial advice Smart ways to use AI to learn about money Why AI doesn't know your complete financial situation How AI can give incorrect information with a lot of confidence Why changing tax rules, contribution limits, and regulations should always be verified The risks of blindly following AI-generated investing recommendations Financial and personal information you should be cautious about sharing with AI How to use AI to ask better financial questions instead of making decisions for you Why consequential financial information should be verified with trusted primary sources When it may make sense to consult a qualified financial, tax, or legal professional Why financial literacy matters even more in the age of AI How to keep yourself, not AI, as the CEO of your financial life The bottom line: AI can be your research assistant, brainstorming partner, and financial education tool, but it shouldn't become the CEO of your financial life. Use it to become a more informed decision-maker—not to hand over your decision-making. 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

Wanting to build wealth doesn't make you greedy, selfish, or ungrateful. But for many women, believing that intellectually and truly believing that wealth is available to them are two very different things. On this episode, I'm talking about why so many women struggle to believe they deserve wealth, from the examples we grew up seeing and the pressure to always be the giver, to imposter syndrome, financial setbacks, guilt around wanting more, and the money stories we carry with us. What you'll learn: Why some women struggle to believe they deserve wealth How the messages and examples you grew up with can shape what you believe is financially possible Why wanting wealth is not the same as being greedy or selfish How imposter syndrome can quietly affect your earning, investing, and financial decisions Why always being the giver can make prioritizing your own financial future uncomfortable How past financial setbacks can cause you to limit what you believe is possible Why healing your money story is an important part of building lasting wealth How to start shifting the beliefs that may be holding you back financially I also share how my mother's sacrifices shaped what I believed was possible for my own life, and why building wealth requires more than budgeting, saving, and investing. We have to examine the beliefs driving our financial decisions too. Because wealth isn't greed. Wealth is options. Wealth is security. Wealth is the ability to take care of yourself, support the people you love, give generously, and make decisions from a place of greater freedom. If you've ever wondered whether you're allowed to want more financially, 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

On this episode of the podcast, we're joined by Emily and Cassidy, co-hosts of The Finance Girlies podcast, for a practical conversation about managing money as a freelancer, creative, or anyone with a nontraditional career. After spending more than a decade writing and editing personal finance content for brands like Yahoo, Experian, and NerdWallet, they realized that much of the financial advice available simply didn't reflect the realities of Millennial and Gen Z women. Together, they share why traditional money advice often falls short for freelancers and entrepreneurs, along with practical strategies for managing inconsistent income, planning for retirement without an employer, building financial stability, and creating systems that make running a business, and your finances, feel far less overwhelming. What Emily and Cassidy Discussed on the Podcast: Why traditional financial advice often misses the realities of Millennial and Gen Z women. How conventional money advice falls short for freelancers, creators, and self-employed professionals. Practical strategies for managing inconsistent income and improving cash flow. Retirement planning options for freelancers and business owners without employer-sponsored plans. The financial foundation to build before leaving a traditional job to freelance or start a business. The financial realities of working for yourself that social media often overlooks. Common money mistakes freelancers and creatives make—and how to avoid them. Financial systems and habits that help business owners stay organized and confident. How young professionals can prepare for a future where careers and income are increasingly nontraditional. Their best financial advice for freelancers and creatives just starting out. How to Keep Up With Emily and Cassidy: Website: thefinancegirlies.com Behind the scenes of how they manage their finances: thefinancegirls.com/bts Instagram: @thefinancegirlies 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

On this episode of the podcast, we're joined by Requel, a personal finance educator who is passionate about helping women take control of their money and build financial confidence, especially after major life transitions like divorce. After spending more than 20 years believing her household finances were being managed as a partnership, Requel found herself unexpectedly becoming the CEO of her own financial life. She had to quickly learn how to manage investments, protect her retirement, negotiate child support, and make major financial decisions while navigating the emotional challenges of divorce. Today, she uses those hard-earned lessons to help other women replace money stress with practical strategies, personalized financial roadmaps, and the confidence to create a more secure future. Her guiding philosophy, "Work with what you have," reminds women that meaningful financial progress starts exactly where they are. What Requel Discussed on the Podcast: Her personal financial journey and what inspired her to become a personal finance educator. The moment she realized her household finances weren't being managed as she had believed. Financial conversations and warning signs she wishes she had recognized earlier in her marriage. Becoming the sole decision-maker for her finances during separation and divorce. Navigating major financial decisions, including protecting her retirement, negotiating child support, and buying out her ex's share of the family home. The meaning behind her philosophy, "Work with what you have," and why it helps women overcome financial overwhelm. The habits that helped her build confidence after taking ownership of her finances. How shifting from thinking in dollars to thinking in percentages transformed her financial decision-making. Her multiple bank account budgeting system and why it has been so effective. The biggest fears and misconceptions she sees in women who are just beginning their financial journeys. Encouragement for women who feel like they're starting too late or have never managed their own finances. AND SO MUCH MORE How to Keep Up With Requel: Connect with Requel via email perfincator@gmail.com Her event planning business: http://sfk2events.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

Money changes your life, but it doesn't magically erase fear, self-doubt, comparison, or the money stories you've carried for years. In this video, I'm sharing a side of building wealth that doesn't get talked about enough. After building a business, writing six books, and reaching financial milestones I once only dreamed about, I've learned that wealth isn't just about growing your bank account. It's about growing into the person who can manage, protect, and enjoy it. You'll learn: Why money mindset work never truly ends The new financial decisions that come with building wealth Why comparison never really goes away The fear of losing what you've built Learning to actually enjoy your success Why your financial journey is never a straight line If you've ever wondered why reaching a financial goal didn't magically change how you feel about money, 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

On this episode of the podcast, we're joined by Nadia Kotsev for a powerful conversation about rebuilding your finances—and your life—after divorce, cancer, grief, and major personal loss. As a public-school educator, Nadia spent years navigating challenges that included cancer-related infertility, the loss of her best friend, divorce, and the difficult decision to walk away from toxic family relationships. While she was financially functional, she realized she had been operating on autopilot rather than making intentional decisions about her future. Today, Nadia is in a very different place: she increased her income, rebuilt her credit, and created a thriving Teachers Pay Teachers business that generates income beyond her classroom work. In this inspiring listener interview, she shares how courage, self-trust, and a willingness to face discomfort transformed both her finances and her outlook on life. What Nadia Discussed on the Podcast: Her journey through cancer, divorce, grief, family estrangement, and financial rebuilding. The realization that sparked her shift toward intentional financial decision-making. Advice for women facing difficult personal or financial crossroads. Building a successful Teachers Pay Teachers business and creating income beyond a traditional job. Rebuilding credit and confronting financial blind spots. How her definition of financial success has evolved through different life stages. The decisions she is most proud of and how they changed the trajectory of her life. Encouragement for women who feel like they are starting over later than planned. How to Keep Up With Nadia: Facebook: Nadia Kaye Personal Instagram: @nadiakaye17 Website: www.authenticeducatorconsulting.com Business Instagram: authentic_educator_consulting Linktree: The Authentic Alchemist 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

On this episode of the podcast, we're joined by Myasi Jackson for an inspiring conversation about building financial stability against the odds. Myasi shares her journey from living in a group home, working low-wage jobs, and focusing on survival to creating a life grounded in financial confidence, intentionality, and long-term growth. Along the way, she navigated challenges including debt, eviction, living paycheck to paycheck, and taking an unconventional path through college before earning her degree at 30. Most recently, she won a $10,000 financial challenge—an achievement that reflects years of consistency and commitment to changing her financial future. Through her story, Myasi offers encouragement, practical lessons, and proof that meaningful financial progress is possible no matter where you start. What Myasi Discussed on the Podcast: Her financial journey from living in a group home and working low-wage jobs to building stability and confidence. How early life experiences shaped her relationship with money. The difference between surviving financially and intentionally building wealth. The mindset shift that helped her stop seeing herself as unfortunate and start seeing herself as capable and deserving. How budgeting worked when money was extremely tight. Lessons learned from experiencing eviction, debt, and living paycheck to paycheck. Her perspective on using debt strategically and understanding the difference between helpful and harmful debt. Staying committed to long-term goals despite setbacks and an unconventional college journey. What winning a $10,000 financial challenge taught her about consistency, opportunity, and growth. The habits that had the biggest impact on her financial transformation. Encouragement for anyone who feels behind or discouraged about their financial progress. What financial success means to her today. How to Keep Up With Myasi Jackson: Follow on Instagram: @myasijanne 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

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

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

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

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

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

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. Her clever girl superpower. Where listeners can connect with her and learn more about her work. How to Keep Up With Marcia: Follow on Instagram: @a.purpose.life 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

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

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

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