The Rich Immigrant

Send us a text If you've ever set goals in January that felt inspiring, and by March you were tired, behind, or quietly ashamed, then this episode is for you.  In this episode, we are talking about a better way to set goals for 2026, one that actually fits your life.  Instead of chasing goals that look impressive, we focus on goals that are supported by capacity, systems, and real life constraints, especially for immigrants navigating career, money, family obligations, and life abroad.  You'll learn: - Why most goals fail even when motivation is high - How to filter goals through your capacity and non-negotiables -The difference between outcomes and actions (and why actions matter more) - Accountability rhythms that make goals stick 2026 doesnt need a new version of you. It needs a better supported version of you.  Listen now, and set goals that actually stick! Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

Send us a text As we move toward the end of the year, it's tempting to rush into new goals. But before 2026 can be successful, it needs to be sustainable.  In this episode, we slow down and focus on foundations - capacity, boundaries, trade-offs, and systems. These things allow high-achiveing, globally minded people to move forward with clarity and peace.  In this episode, we talk about: Closing 2025 honestly Defining your real capacity Deciding what you're NOT optimising Building systems that actually support your life Winning in 2026 isn't about hustling harder,. It is about sustainable rhythms, and clarity. This isn't about becoming someone new, it is about becoming more honest and intentional with the life you already have. Watch out for Part II next week! Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

Send us a text In this episode, we are diving into the unspoken rules that keep friendships intact when celebrations cross border, budgets, and big life moments. Whether  youare hosting an international milestone, or deciding whether to attend one, this episode will help you navigate expectations with honesty, grace, and clarity.  I share my perspective as a personal finance enthusiast, an immigrant, someone who lives far from the people I love, someone who has traveled for celebrations, and soneone who recently hosted my own international celebration. We'll cover everything from why an invite is NOT an obligation, to how to communicate early, what hosts should and shouldnt cover, gift expectation, tips on splitting costs, and so much more. This episode is full of practical heartfelt advice and I hope you listen and share it. It just might save a friendship. Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

Send us a text Join me as I take a trip down memory lane to my 20s. The decade that adulting hit me! I share the biggest financial lessons (some I only learned after my 20s) so you don't have to learn them the hard way. From taking calculated risks, fixing your relationship with money, to learning that looking rich is not the same thing as being rich - this episode is packed with insights to help you build a solid financial foundation.  Whether you're in your 20s or you know someone who is, these lessons will help you grow wealth, confident, and financial freedom. Listen! Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

Send us a text We are back!!!!  I turned 40 in September and handed over my mic to my sister friend, Kemi Onabanjo.  We skipped our annual podcast conversation last year but we made up for it with this conversation.  This one's just like you're hanging out with us as we converse. There's a lot of banter, laughter, honesty, and depth. It's not us if we aren't reflecting on lessons!! We touch on so much in this episode and I hope this episode meets you where you are. All I want for my birthday episode is that you share this podcast with someone in your world that you think needs this episode or any other episode. Thank you for listening, and happy birthday to me!!!! Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

Send us a text Becoming a parent changes everything, including your finances. In this episode, I sit with Charlene, a financial coach and mom, to talk about what it really takes to prepare financially for parenthood. We go beyond nurseries and baby showers to dig into the mindset shifts, practical steps, and money truths every parent should know.  We cover: Where financial preparation for parenthood really begins How to balance dreams for your child with financial realities The biggest money mindset shirt new parents need Non-negotiable financial steps before having a baby Navigating roles in relationships as parents How to save for your child's futurw without neglecting your own The cultural and emotional pressures parents face around money Whether you're planning for a baby, already parenting, or simply want to be more intentional with your finances, this episode will give you both the encouragement and the strategies to make confident money moves as you grow your family.  Charlene Tilbanie is a chartered accountant, corporate vice president in the captive insurance industry, and a money coach who makes money management simple and sustainable for busy professionals and families. With 20+ years in financial services, she blends behavioural insight with practical systems aimed at reducing financial stress and improve decision-making. After paying off her consumer debt in just 15 months, Charlene built practical frameworks that help clients create margin, build wealth, and live with purpose. She coaches, leads workshops, and is authoring an upcoming book that translates complex finance into plain language. Based in the Cayman Islands, she serves audiences across thenCaribbean and beyond. Charlene can be found on Instagram and Threads under the namen“Charlene Money Coach.” Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

Send us a text I've been wanting to talk with Berry for a while and I'm so glad this conversation finally happened. As you'll see, this conversation was grounded, and full of gems and realness! In this episode of the Podcast, We talk about: When Berry had her financial aha moment How her finances changed since becoming a single mom The type of support she has relied on during her journey Some of the sacrifices she's made, including moving back home, giving up some vacations while focusing on her finances How she paid off her debt while not being on a high income What she's teaching Coco about money, delayed gratification, and gratitude Myths and assumptions people make about single moms How she got comfortable talking about money with her family How she became a Clever Girl Finance mentor to other women What financial security means to her How we can better support single moms/parents in our communities The most financially empowering move she has made as a single mom Berry Dakara is a 40+ Nigerian American single mom of a vivacious daughter, whom she affectionately calls Coco. She's lived in the US for almost 30 years and resides in the Metro Atlanta area. In her day job, Berry is a budding HR professional for a major retailer in the US Outside of work, Berry is a lifestyle blogger on her blog, www.berrydakara.com. She also hosted and hopes to return to the Mummy Oyoyo podcast, which was created to share authentic stories and experiences around various aspects of motherhood. Berry is known for being open, and sharing often hilarious relatable stories plucked from her life.  Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

Send us a text This episode of the podcast is not what I'd initially planned, but I get this feeling that it is what we need. In this episode: I invite you to join me on this challenge this month to honour your word to yourself. Too often, we normalize casually breaking promises to ourselves ever so casually. IVer time, we start to believe that our own word doesnt mean much.  Self-trust is built one promise at a time. When you honor your word to yourself, something subtle but powerful shifts.  Join me in this challenge this month. Decide what word you'll honour all month and then let's do it together. One day at a time! Brick by brick!  And if you mess up? Don't quit! Try again the very next day! I'm rooting for you in all ways, always! Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

Send us a text What does it look like to be redefining success on your own terms and to be way ahead financially while in your twenties? Meet Tobi Derin. In this episode, I sit down with Tobi Derin, an immigrant who moved to Canada at age 16, pivoted from Engineering to Tech, bought her first investment property at 25, and quit her 6-figure tech job to take a year-long career break/sabbatical at 27!  Tune in to hear How she became financially aware relatively early How she started saving and investing while in University How she realized that owning real estate was a possibility for her as an immigrant and the importance of seeing what is possible Why she bought the kind of property she ended up with and in the location she chose Realizing something needed to change and facing that truth especially as a high achieving high performer Quitting her 6-figure tech job and how she is funding her year-long break How the sabbatical/career break is going What she has learned from the journey so far A message for anyone wondering if this is even remotely a possibility for them Its time to rethink what success really means. Hit play, and join the conversation.  Tobi is a content creator, real estate investor, and tech professional currently on a career break. After moving to Canada for university and earning a degree in Aerospace Engineering, she began sharing online, creating resources to help other immigrants navigate life in a new country and build financial stability. Over the past five years, her content has helped thousands of immigrants thrive in Canada. Tobi transitioned from engineering into tech where she went on to work as a Product Manager. Along the way, she continued sharing her journey to help others break into tech, access high-paying opportunities and grow in their career.  At 27, she made the bold decision to step away from her six-figure role to take a career break and redesign life on her own terms. Today, she creates content at the intersection of career, money, and real estate, with a long-standing mission to help people, especially immigrants, make smart money moves and build lives they truly desire. She creates  content to help people thrive in their careers, become financially literate, and build wealth through real estate. She recently launched 1:1 sessions Follow Tobi on Instagram at Tobi.Derin or on her YouTube Channel @Tobi.Derin Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

Send us a text The podcast is back for its 12th season and in this episode, we are easing into summer with a few updates and check-in. In this episode. I talk about Life lately - high, a low, and a lesson so far this year Money update - wins, where I'm lagging behind, and current struggles I answer a listener question about paying for financial coaches and investing classes etc I also share one thing I'm loving, which is a recent episode on the Aspire with Emma Grede podcast where she had a conversation with Jeff Fisher! Check it out Preview what is to come on the podcast this season Happy 5th birthday to the podcast! It's been 5 years ya'll! Thank you for riding! Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

Send us a text In the personal finance world, they say getting to the first $100k invested is the hardest part of any investing journey. In this episode of the podcast, I talk about: Why it is the hardest part of any investing journey My Journey to $100k and how long it actually took and the hiccups I had on the journey How much shorter it took to get from $100k to $200k What can be done to accelerate the journey Normalizing the fact that things take time A reminder to 'let things cook.' Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

Send us a text In this epidoe of the podcast, I tackle a money dilemma for a parent with a certain amount of money to invest for her  12 year old son. Should she keep it in savings, invest it?  What would I do? I share my thoughts and I share why! What would you do with the money?  Check out the latest episode of the podcast and don't forget to share your money dilemmas here for a chance to be featured on the podcast. Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

Send us a text I promised a follow up episode to describe the process of automating your finances as automation is central to a good paycheck routine.  Automation takes away the guesswork out of managing your finances. That means no fees, and no mistaken balling out, and you get to pay yourself first via saving and investing. In this episode, I share the key steps to automating your finances including: Mapping out on paper where your money will go Mapping out how much will go into each bucket every month Set up the first level with your employer Then set up the rest of the savings and investing automation by linking your accounts and setting up the automated payments Set up automating your fixed payments Do You Have to automate everything? I'd say about 80% automated and 20% manual.  Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

Send us a text I'm so glad Togor responded to my request for people willing to share about getting on the same page financially before getting married. While there are many horror stories of financial incompatility, this story shows what can happen when two people do the work and show up openly and authentically.  In this episode, we talk about: When she  and her now husband had their very first money conversation How that conversation set the tone for their relationship Red flags when a potential mate refuses to talk about money consistently How their financial conversations have evolved over time - reading books, not making money the elephant in the room, education, having a systen in place, reviewing together How they got on the same page financially and the importanve of honesty The importanve of being open to renegotiating terms initially agreed to How they set a budget for their Lake Como wedding How they established boundaried leading up to the wedding 3 key principles they established that continue to serve them today one year into their marriage While Togor wants to live a quiet rich  life, I'm thankful that she decided to share her journey with us. As promised, here's the link to a snippet of their special day on Lake Como.  Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

Send us a text There are quite a few terms used in the investing world. While we were not taught these terms at school, its quite wild that we are suddenly expect to be versed in this language as adults. In this episode of the podcast, I break down: 1. A public or listed company 2. Stocks and Shares 3. Fractional Shares 4. Why Companies Sell Stock 5. Stock Market 6. Mutual Funds 7. Exchange Traded Funds (ETFs) 8. Index Funds In conclusion, Stocks, Mutual Funds, ETFs, and Index funds are all tools for you to consider in your investing portfolio.  Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

Send us a text You've probably seen a lot of payday routines on Instagram and Tiktok lately but they're not really new. In this episode of the podcast, I talk about: What a payday routine is How a pay day routine is similae to being inentional with our diwts and exercide Why you should have a pay day routine What every pay day routine should consist of My own pay day routine.  Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

Send us a text For a long time, I've wanted to have this conversation on the podcast. In honour of Women's History Month 2025, I talked with 2 amazing women who are single for now, and thriving financially. In this episode, we talked about: Their financial aha moments that made them decide to get their finances together The first steps they took on the journey The kind of money converdations they  had on the journey, or if they did not, why not?  Their thoughts on whether there's a difference in how millennials and Gen Zs approach money?  W has gotten in the way of women thriving financially? Addressing singlex tax and how it may affect singles Today, their why or reason for thriving financially? Being currently single, how does being financially aware and financially fit impact how you show up in romantic relationships and what would you be looking for in a partner? Would they be okay with a partner that makes significantly less than you do? Why or why not? Simi Iledare was born and raised in Nigeria. She moved to the United States in 2001, earning her bachelor's and master's degrees in Accounting. She also holds a CFE and CPA designation. Simi has worked in the United States and the United Kingdom and has over 15 years of experience in accounting and auditing. Before 2021, she worked as an auditor with a public accounting firm. She currently works in regulations. She currently lives and works in the United States. In addition to her day job, she has a passion for seeing the world and helping others see the travel possibilities, especially for those working full-time and/or holding a weak passport. You can follow Simi on Instagram at @thesimiedit.    Rimi is a personal finance content creator and Senior Business Analyst in the gaming industry, with 5 years of experience in analytics. Numbers have always been a part of her life, both in her professional work and her personal brand. She started sharing personal finance content when she recognized a gap in financial literacy among young adults, aiming to help others navigate the financial world. Her mission is to empower young people to take control of their finances early on, because personal finance isn’t taught in schools, but mastering it early can be life-changing. Through her blog, Wealth Savvy Gen Z (www.wealthsavvygenz.com), TikTok (@wealthsavvygenz), and Instagram (@Rimikelala), she provides practical tips and insights on managing money, saving, budgeting, investing, and more. Sign up to her recently launched newsletter where she shares actionable tips for people to take control of their financial journey and sprinkles some of her life tea and her current faves weekly. It's here Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

Send us a text This topic is not new to the podcast. In fact, exactly 2 years ago, I covered Black Tax in episode 73 of the podcast (check it out). But it isn't a one-time conversation. In this week's episode of the podcast, I cover: The fact that Black Tax remains a reality for many immigrants Deciding on a Black Tax budget and setting aside an Black tax emergency fund Deciding on what your exceptions are before hand Defining you other boundaries (i.e. a minimum number of days for a notice period etc) Your role in enabling financial dependence Savior complex and survivor's guilt Thinking Long term Let 2025 be your hear of No, or Not this time. Let it be the year to sit with any enabling tendencies or motivation for saying yes when you can't really afford to. Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

Send us a text In a world that glorifies hustle culture, what happens when you decide to walk away? In this episode, I sit down with Mae Onyekwum, an immigrant who had the courage to leave her dream high-paying job to redefine success on her own terms. We delver into the pressures of hustle culture, especially as immigrants.  Tune in to hear What hustle culture mean to her The initial work she did in order to even consider such a choice How she landed her dream job at Amazon The importance of marrying someone you're aligned and in sync with The reality and pressures of working in a fast paced environment The moment she realized that something had to change What it cost (financially) to walk away from her dream job How long it took from the decision to her last day How high demanding jobs can impact how you show up in other aspects of your life How the loss of her dad and brother shifted her perspective The financial choices she made earlier on that made this an option at all What her life is like now, on the other side of the leap A message for anyone wondering if this is even a possibility for then Its time to rethink what success really means. Hit play, and join the conversation.  Mae Onyekwum is what most people would call an all-rounder! She has established a career in the Supply Chain Technology space with over 18 years experience across Big4 consulting, Oil & Gas, Public sector and Retail eCommerce. SShe has lived in 4 continents but always calls Nigeria home! Mae is also known for her passion for all things women's health and wellness having navigated a PCOS diagnosis since 2009. She considers her main priorities to be wellness, family and food! In 2021, she authored a kids cookbook titled "Risk with a Whisk" which doubles as an adventure story and activity/ puzzle book for young budding chefs. She runs a lifestyle and wellness blog called Good Living with Mae where you can find lots of recipes, musings and resources for holistically managing your wellness, and has recently launched an online women's health & wellness community hub. Mae currently lives in Canada with her husband and their 2 sons. Keep up with Mae on her blog at www.goodlivingwithmae.com and on Instagram at : wellnessxmae Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

Send us a text Happy New Year!! Welcome back to the podcast. In this first episode of the year, I get into it by sharing about my Instagram break for the first month of the year. I also share about a pet peeve I recently discovered and how its led to some actions on my part. Then of course, we talked money! Underrated Money Tips  Spend less than you earn, save/invest/pay off debt with the difference Invest early Use credit cards wisely. Know yourself Index funds are far better than mutual funds and often outperform individual stock picks Maximize your tax deferred/Tax free accounts Learn the difference between a need and a want Marry the right person (don't marry the wrong person) Pay yourself first If you dont understand it, don't invest in it 10. Put on  your life vest first - hello immigrants, we NEED this Underrated Financial Resources 1. Personal Finance Reddit - Check it out here  2. Dreamcatchers by Budgetnista on Facebook might be the community you need. Check it out here -  Bring Your Money Dilemmas To A Safe Space You asked and its here! This is new so I reckon we'll tweak as we go. Submit your money dilemmas by filling out this form. I may reach out to you will follow up questions if necessary in order to respond. Thank you for trusting me, and this community! Once again, the link to the form is here! Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'