Don't Go Broke Trying

This is Part Two of Efe’s powerful story on Don’t Go Broke Trying. If you haven’t listened to Part One yet, we recommend starting there before coming back to this episode for the full picture.

In this episode, Reni continues her honest conversation with Efe about her IVF journey. Efe opens up about the pain of miscarriage, the support of her husband, and how her faith and finances carried her through.

She also shares how IVF changed the way she thinks about money, why choosing the right partner is so important, and the advice she has for families who may be considering IVF.

This episode is full of real lessons about money, love, faith and resilience.

What you’ll learn in this episode:

• How Efe found resilience and strength through faith during her most painful moments

• Why the right partner can make all the difference in the IVF journey

• The ongoing physical and emotional toll IVF takes, even after birth

• Practical steps to prepare financially for IVF without going broke

• Why motherhood is more than just giving birth

• Efe’s advice for families considering IVF

Whether you’re preparing for IVF yourself or supporting someone on that journey, this episode is a heartfelt reminder of the courage, faith, and that with the right support, planning, and mindset, you can hold onto your dream of family without losing financial stability.

Connect With Efe:

• Instagram: https://www.instagram.com/efefruci?igsh=MTRkZmZsMnBmZzExNw==

• Linkedin: https://www.linkedin.com/in/efefruci 

• Efe’s website: https://www.efefruci.com/ 

Resources Mentioned:

Efe’s TED Talk: https://www.youtube.com/watch?v=r5L8BiR718s 

Join Don't Go Broke Collective: ⁠https://www.skool.com/dont-go-broke-collective/about

Connect With Us!

Follow the podcast on Instagram: ⁠⁠⁠https://instagram.com/dontgobroketrying 

Follow Reni on Instagram: ⁠⁠⁠https://www.instagram.com/xoreni 

Visit our website: ⁠⁠⁠⁠renitheresource.com/category/podcast⁠⁠⁠⁠

Follow on Twitter: ⁠⁠⁠⁠twitter.com/dgbtpod⁠⁠⁠⁠

Subscribe to Reni's YouTube: https://youtube.com/xoreni

DISCLAIMER: The views and opinions shared on this channel are for informational and educational purposes only. This is NOT financial advice. Always do your own research and due diligence before investing.

In this episode of Don’t Go Broke Trying, Reni sits down with Efe, who shares her five-year journey through IVF from the emotional rollercoaster to the heavy financial realities that come with trying to conceive this way.

This is Part 1 of Efe’s story, where she opens up about the physical, emotional, and financial toll of IVF while breaking down the hidden costs that most people never talk about.

What you’ll learn in this episode:

• What government funding and insurance actually cover and what they don’t

• The emotional and physical toll of IVF treatments

• The step-by-step IVF process explained in simple terms

• The hidden costs of IVF beyond treatment

• The true financial costs of IVF in Canada

• Smart financial strategies for the journey through IVF

Whether you’re planning for IVF or just want to understand the realities behind the headlines, this episode is a powerful reminder of the resilience and preparation required to grow a family, without going broke trying.

Stay tuned for Part 2, releasing next week, where Efe dives even deeper into her journey and the lessons she learned along the way.

Connect With Efe:

• Instagram: https://www.instagram.com/efefruci?igsh=MTRkZmZsMnBmZzExNw==

• LinkedIn: https://www.linkedin.com/in/efefruci

Join Don't Go Broke Collective: ⁠https://www.skool.com/dont-go-broke-collective/about

Connect With Us!

Follow the podcast on Instagram: ⁠⁠⁠https://instagram.com/dontgobroketrying 

Follow Reni on Instagram: ⁠⁠⁠https://www.instagram.com/xoreni 

Visit our website: ⁠⁠⁠⁠renitheresource.com/category/podcast⁠⁠⁠⁠

Follow on Twitter: ⁠⁠⁠⁠twitter.com/dgbtpod⁠⁠⁠⁠

Subscribe to Reni's YouTube: https://youtube.com/xoreni

DISCLAIMER: The views and opinions shared on this channel are for informational and educational purposes only. This is NOT financial advice. Always do your own research and due diligence before investing.

In this episode of Don’t Go Broke Trying, Reni is back with another round of Coinfessions. From a wife wanting to retire from lottery winnings, to a boyfriend with poor financial habits, to a parent demanding a cut of their child’s inheritance, Reni shares her honest thoughts on what’s smart, what’s risky, and what she’d do differently.

She also unpacks the tricky topic of money in families and relationships, like setting financial boundaries, protecting yourself from a partner’s money mistakes, and knowing when it’s time to walk away.

What you'll learn in this episode:

• How to deal with a partner who isn’t financially responsible

• Why setting money boundaries is a form of self-protection

• The dangers of ignoring money red flags in relationships

• When it’s okay to say no to family financial demands

• Reni’s honest take on balancing love, loyalty, and money

Whether you’re married, dating, or navigating money with family, this episode will give you practical insights to handle financial conflicts with confidence and clarity.

Join Don't Go Broke Collective: ⁠https://www.skool.com/dont-go-broke-collective/about

Connect With Us!

Follow the podcast on Instagram: ⁠⁠⁠https://instagram.com/dontgobroketrying 

Follow Reni on Instagram: ⁠⁠⁠https://www.instagram.com/xoreni 

Visit our website: ⁠⁠⁠⁠renitheresource.com/category/podcast⁠⁠⁠⁠

Follow on Twitter: ⁠⁠⁠⁠twitter.com/dgbtpod⁠⁠⁠⁠

Subscribe to Reni's YouTube: https://youtube.com/xoreni

DISCLAIMER: The views and opinions shared on this channel are for informational and educational purposes only. This is NOT financial advice. Always do your own research and due diligence before investing.

If you've ever wondered how to build wealth as a Muslim without compromising your values, this episode is your perfect starting point.

In this insightful conversation, Reni sits down with Shakira, a halal investing advocate, who breaks down the fundamentals of faith-conscious investing. From screening stocks and ETFs to navigating crypto, mortgages, and real estate, she explains what’s halal, what’s not, and how to confidently take control of your financial future. She also outlines the exact steps a new Muslim investor should take from opening a brokerage account and funding a TFSA, to choosing halal ETFs, purifying dividends, and monitoring compliance quarterly.

What You’ll Learn in This Episode: 

• What halal investing really means and how it works

• Tools and platforms to screen halal investments 

• How to start building your investment portfolio the halal way

• What “halal” and “haram” mean in the context of money and investing 

• The best apps to check if an investment is halal

• How to transition out of non-halal investments (without panic or guilt)
  

Whether you're just starting out or seeking a values-aligned way to grow your money, this episode is packed with clarity, practical steps, and thoughtful insights.

Resources Mentioned

Manzel: https://manzil.ca/

Wahed: https://www.wahed.com/global

Ijara CDC: https://ijaracdc.com/

Zoya: https://zoya.finance/

Islamicly: https://www.islamicly.com/

Musaffa: https://musaffa.com/

Connect With Shakira: 

Instagram: https://www.instagram.com/halaldividends/

Join Don't Go Broke Collective: ⁠https://www.skool.com/dont-go-broke-collective/about

Connect With Us!

Follow the podcast on Instagram: ⁠⁠⁠https://instagram.com/dontgobroketrying 

Follow Reni on Instagram: ⁠⁠⁠https://www.instagram.com/xoreni 

Visit our website: ⁠⁠⁠⁠renitheresource.com/category/podcast⁠⁠⁠⁠

Follow on Twitter: ⁠⁠⁠⁠twitter.com/dgbtpod⁠⁠⁠⁠

Subscribe to Reni's YouTube: https://youtube.com/xoreni

DISCLAIMER: The views and opinions shared on this channel are for informational and educational purposes only. This is NOT financial advice. Always do your own research and due diligence before investing.

In this eye-opening episode of Don’t Go Broke Trying, Reni sits down with Aimee Schalles and Amanda Baron, two practicing lawyers and co-founders of Jointly, a legal tech platform making prenups and cohabitation agreements more accessible for everyday Canadians.

Together, they unpack the stigma around prenups and explain why legal agreements like prenups, postnups, and cohabitation contracts are important tools for anyone in a serious relationship, not just for celebrities and millionaires.

From breaking down what these agreements really mean, to busting the myths that make people avoid them, this conversation will make you rethink what financial protection in love actually looks like.

What You’ll Learn in This Episode:

• The difference between prenups, postnups, and cohabitation agreements
  

• Why everyone, not just wealthy couples should consider one
  

• How to bring up a prenup with your partner (without killing the romance)
  

• What a prenup can and can’t include (especially when it comes to kids, houses, and businesses)
  

• How to use these agreements as tools of care, not conflict

This episode will leave you with a clear understanding of what prenups are (and aren’t), why they’re not just for the rich and famous, and how they can actually strengthen your relationship not weaken it.

Resources Mentioned: 

Learn more about Jointly: https://getjointly.ca/

Prenup legal course by Jointly: https://getjointly.ca/learning-center/

Follow Jointly: https://www.instagram.com/getjointly/

Watch on Youtube: https://youtu.be/EqUhVt7hOws?si=QrW5eM6iRqF-83eQ 

Connect With My Guests:

Aimee - https://www.linkedin.com/in/aimeeschalles/

Amanda - https://www.linkedin.com/in/amandabaron/

Join Don't Go Broke Collective: ⁠https://www.skool.com/dont-go-broke-collective/about

Connect With Us!

Follow the podcast on Instagram: ⁠⁠⁠https://instagram.com/dontgobroketrying 

Follow Reni on Instagram: ⁠⁠⁠https://www.instagram.com/xoreni 

Visit our website: ⁠⁠⁠⁠renitheresource.com/category/podcast⁠⁠⁠⁠

Follow on Twitter: ⁠⁠⁠⁠twitter.com/dgbtpod⁠⁠⁠⁠

Subscribe to Reni's YouTube: https://youtube.com/xoreni

DISCLAIMER: The views and opinions shared on this channel are for informational and educational purposes only. This is NOT financial advice. Always do your own research and due diligence before investing.

In this episode of Don't Go Broke Trying, Reni sits down with writer and personal finance expert, Shannon Terrell from Nerdwallet Canada to break down the ins and outs of debt consolidation and how to do it right. 

Whether you're drowning in multiple credit card bills or juggling personal loans, this episode walks you through smart ways to simplify your repayments without falling into more financial traps. 

What you’ll learn in this episode:

• What debt consolidation really means

• How to tell if debt consolidation is the right option for you

• The biggest myths and mistakes people make when consolidating their debt

• Shannon’s proven strategies for paying off debt without going broke

• Steps to take before and after consolidating to stay financially on track

Whether you're feeling overwhelmed by multiple debts, or just exploring your options, this episode will help you make smart, confident decisions so you can take control of your finances without going broke.

Resources Mentioned: 

Support on how to get out of debt: https://creditcounsellingcanada.ca/

Learn more about NerdWallet: www.nerdwallet.com 

Read Nerd Wallet’s Canadian Consumer Credit Report: https://www.nerdwallet.com/ca/p/article/credit-cards/2025-canadian-consumer-credit-card-report

Watch on Youtube: https://youtu.be/9gqqRbORhZ4

Connect With Shannon:

LinkedIn: https://www.linkedin.com/in/shannon-terrell/

Author Page: https://www.nerdwallet.com/ca/author/shannon-terrell

Join Don't Go Broke Collective: ⁠https://www.skool.com/dont-go-broke-collective/about⁠

Connect With Us!

Follow the podcast on Instagram: ⁠⁠⁠https://instagram.com/dontgobroketrying 

Follow Reni on Instagram: ⁠⁠⁠https://www.instagram.com/xoreni 

Visit our website: ⁠⁠⁠⁠renitheresource.com/category/podcast⁠⁠⁠⁠

Follow on Twitter: ⁠⁠⁠⁠twitter.com/dgbtpod⁠⁠⁠⁠

Subscribe to Reni's YouTube: https://youtube.com/xoreni

DISCLAIMER: The views and opinions shared on this channel are for informational and educational purposes only. This is NOT financial advice. Always do your own research and due diligence before investing.

In this episode of Don't Go Broke Trying, Reni is joined by Yanmo Omorogbe, co-founder of Bamboo, to break down everything you need to know about starting your investment journey, no matter how little money or experience you have.

They talk through how the Bamboo app works, what makes it trustworthy, and how you can start investing in Naira or USD with as little as ₦50k. Yanmo explains the difference between US and Nigerian stocks, the perks of managed portfolios, and how to avoid the trap of waiting for the “perfect” time to start.

If investing has ever felt overwhelming, intimidating, or just out of reach, this episode is your simple, relatable guide to getting started and building wealth, one small step at a time.

What you’ll learn in this episode:

• Why you don’t need a lot of money to start investing

• The difference between Nigerian stocks, US stocks, ETFs, and fixed-income options

• How Bamboo protects your money and earns user trust

• What a managed portfolio is and who it’s perfect for

• Why the best time to invest is right now
  

Whether you’re just starting out or trying to get back into investing, this episode will help you build confidence, take action, and grow your money without going broke trying.

Resources Mentioned: 

Download Bamboo: https://investbamboo.go.link/kA7xb

Join Bamboo’s WhatsApp Channel: https://learn.investbamboo.com/join-a-bamboo-community/ 

Follow Bamboo on Instagram: https://www.instagram.com/investbamboo/

Free Bamboo Stock Market Courses: 

- https://www.youtube.com/watch?v=qAAJXyIOzp0&list=PLhGIEGJgXpB0Q_IhpEg0RfbdvwEN2ecgO

Watch on Youtube: https://youtu.be/x4pv1uj5Kiw?si=XmJw86e4kome2xV2

Connect With Yanmo!

Instagram: https://www.instagram.com/yanmo_o/?hl=en 

LinkedIn: https://ng.linkedin.com/in/yanmoomorogbe 

Join Don't Go Broke Collective: ⁠https://www.skool.com/dont-go-broke-collective/about⁠

Connect With Us!

Follow the podcast on Instagram: ⁠⁠⁠https://instagram.com/dontgobroketrying 

Follow Reni on Instagram: ⁠⁠⁠https://www.instagram.com/xoreni 

Visit our website: ⁠⁠⁠⁠renitheresource.com/category/podcast⁠⁠⁠⁠

Follow on Twitter: ⁠⁠⁠⁠twitter.com/dgbtpod⁠⁠⁠⁠

Subscribe to Reni's YouTube: https://youtube.com/xoreni

DISCLAIMER: The views and opinions shared on this channel are for informational and educational purposes only. This is NOT financial advice. Always do your own research and due diligence before investing.

In this episode of Don't Go Broke Trying, Reni is back with another round of real, messy Coinfessions. From a husband separating accounts because of his wife’s debt, to a mom using her daughter’s college fund to pay off a dream house, Reni shares her honest thoughts on what’s smart, what’s risky, and what she’d do differently.

She also unpacks the tricky topic of managing money in relationships like splitting finances, talking about debts, and setting boundaries without causing tension.

What you'll learn in this episode:

• How to set financial boundaries without damaging your relationship

• Reni’s honest take on handling love and money the smart way

• When it might make sense to split finances in a relationship

• How to navigate money conversations with your partner

• Why hiding debt can lead to bigger issues

Whether you're navigating money with a partner or preparing for those conversations in the future, this episode will help you handle real-life financial decisions with clarity, confidence, and common sense.

Resources Mentioned: 

Blog post of questions to ask partner on finances: https://renitheresource.com/the-money-talk-questions-to-ask-your-partner-before-you-say-i-do/

Join Don't Go Broke Collective: ⁠https://www.skool.com/dont-go-broke-collective/about⁠

Connect With Us!

Follow the podcast on Instagram: ⁠⁠⁠https://instagram.com/dontgobroketrying 

Follow Reni on Instagram: ⁠⁠⁠https://www.instagram.com/xoreni 

Visit our website: ⁠⁠⁠⁠renitheresource.com/category/podcast⁠⁠⁠⁠

Follow on Twitter: ⁠⁠⁠⁠twitter.com/dgbtpod⁠⁠⁠⁠

Subscribe to Reni's YouTube: https://youtube.com/xoreni

DISCLAIMER: The views and opinions shared on this channel are for informational and educational purposes only. This is NOT financial advice. Always do your own research and due diligence before investing.

In this episode of Don't Go Broke Trying, Reni gets real about her journey as a content creator and how not to go broke trying to “make it.” 

She walks you through how she diversified her income over the years and also breaks down some mistakes creators make, especially as beginners, from chasing brand deals to underpricing their services/self.

Reni also reflects on her 5-year journey as a creator, from simply wanting to share financial knowledge to landing over 25 paid speaking engagements this year alone. If you're building a platform or dreaming of turning your content into a real career, this episode gives you the roadmap to do it wisely, profitably, and with purpose.

What you'll learn in this episode:

• How to treat your content like a business

• How to build authority and attract high-value opportunities

• Mistakes content creators make and how to not to make them

• Reni’s personal journey and best lessons from 5 years of content creation

• Outsourcing as a content creator

Whether you're just starting out or already creating content consistently, this episode will help you think bigger, earn smarter, and grow your influence without going broke in the process.

Resources Mentioned: 

Content Creators Price Guide: https://www.instagram.com/p/CZACHLwrjqO/

Join Don't Go Broke Collective: ⁠https://www.skool.com/dont-go-broke-collective/about⁠

Connect With Us!

Follow the podcast on Instagram: ⁠⁠⁠https://instagram.com/dontgobroketrying 

Follow Reni on Instagram: ⁠⁠⁠https://www.instagram.com/xoreni 

Visit our website: ⁠⁠⁠⁠renitheresource.com/category/podcast⁠⁠⁠⁠

Follow on Twitter: ⁠⁠⁠⁠twitter.com/dgbtpod⁠⁠⁠⁠

Subscribe to Reni's YouTube: https://youtube.com/xoreni

DISCLAIMER: The views and opinions shared on this channel are for informational and educational purposes only. This is NOT financial advice. Always do your own research and due diligence before investing.

In this coinfessions episode, Reni answers your burning real estate questions, breaking down everything from FHSA accounts, to buying your first home and investing in property like a pro.

She dives into the realities of homeownership, whether it's smarter to sell or hold on to your house, and what to consider before making big property decisions. If you're confused about how FHSA works, overwhelmed by the home-buying process, or wondering how to get started in real estate investing, Reni makes it all simple and stress-free.

What you'll learn in this episode:

• What an FHSA account is and how it can help you as a homeowner

• The key steps (and mistakes to avoid) when buying a house

• How to decide if selling your home is the right move

• The pros and cons of owning vs. selling a property

• Reni’s honest take on building wealth through real estate
  

Whether you’re a first-time buyer, aspiring investor, or just trying to make smarter investment moves in real estate, this episode gives you the clarity and confidence to take your next step.

Videos Mentioned: 

FHSA Explained: https://youtu.be/iHh_617cUd8?si=JFK6CTvPTBgFWCRJ 

Is buying a home an investment?: https://youtu.be/1Dm3lzUZ94M?si=r6f_O0yTwdc0cPEZ 

Your guide to starting a profitable Airbnb business: https://youtu.be/FNTcQQMFpgA?si=OYTf0MGhjtGa6ros 

A guide to investing accounts in Canada: TFSA, RRSP, FHSA & RESP: https://youtu.be/PVTlxjydptQ?si=MwqmFNqiv9-VdgHR 

Join Don't Go Broke Collective: ⁠https://www.skool.com/dont-go-broke-collective/about⁠

Connect With Us!

Follow the podcast on Instagram: ⁠⁠⁠https://instagram.com/dontgobroketrying 

Follow Reni on Instagram: ⁠⁠⁠https://www.instagram.com/xoreni 

Visit our website: ⁠⁠⁠⁠renitheresource.com/category/podcast⁠⁠⁠⁠

Follow on Twitter: ⁠⁠⁠⁠twitter.com/dgbtpod⁠⁠⁠⁠

Subscribe to Reni's YouTube: https://youtube.com/xoreni

DISCLAIMER: The views and opinions shared on this channel are for informational and educational purposes only. This is NOT financial advice. Always do your own research and due diligence before investing.