Financially Free with Cleo

No one is 100% safe when it comes to identity theft. It can happen to anyone, individuals and businesses. 

Do your best to protect yourself, but the most important thing you can do is to understand what you need to do if you become (or think you are) a victim of identity theft. 

I recently experienced an identity theft situation. In this episode, I’m sharing what happened to me, my next steps, and what you can do if this happens to you. 

Check out this identity theft repair kit I received from my bank: https://bit.ly/3hM8itG

00:00 - Nothing is 100% safe or protected

00:24 - Intro 

00:04 - Managing identity theft 

01:13 - It can happen to anyone (individuals and businesses) 

03:08 - Someone stole my identity 

07:04 - Daily money habits text community 

08:14 - My bank took action immediately

11:45 - What to do if you’re a victim of identity theft

13:00 - Contact your bank ASAP

14:14 - Money Yoga Class

14:52 - Fraud alerts and credit freezes

15:52 - Monitoring credit reports often

16:50 - Check banking history

18:14 - Contact creditors and utilities

19:22 - File police report 

20:58 - File report with FTC (Federal Trade Commission)

21:32 - Check with the DMV (Department of Motor Vehicles)

22:23 - Check with IRS (Internal Revenue Service)

22:50 - Check with USPS (United States Post Office)

23:02 - Check with Social Security Office 

23:19 - Check with the US Department of State 

23:38 - Continue to monitor everything

25:10 - Them scammers, hackers and thieves need to cut it out 

26:16 - Wrap up

27:41 - Outro

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The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast

If you enjoy the show and want to support it, please subscribe on Youtube, or subscribe, rate and leave a review on Apple or Spotify . We appreciate it!

Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community

https://www.cleoyogafinance.com/offers/daily-money-habits-text-community

Join me on the first Sunday of every month at 11:00am CST for a Money Yoga Session

https://www.cleoyogafinance.com/money-yoga

Grab Your Financial Affirmation Cards 

https://www.cleoyogafinance.com/offers/financial-affirmations

Let’s Stay Connected: 

Instagram 

https://www.instagram.com/cleoyogafinance/

YouTube

https://www.youtube.com/c/CleoYogaFinance

TikTok

https://www.tiktok.com/

LinkedIn

https://www.linkedin.com/in/cleochildress/

Twitter

https://twitter.com/cleoyogafinance

Facebook

https://www.facebook.com/CleoYogaFinance

Website

https://www.cleoyogafinance.com/

Robert Fortune returns to the show to talk about what the black wealth gap really means and what we can do now to close it for ourselves, families and communities.

According to the Federal Reserve, the average Black and Hispanic or Latino households (in the United States) earn about half as much as the average White household and own only about 15 to 20 percent as much net wealth.

Read the full article here: https://www.federalreserve.gov/econres/notes/feds-notes/wealth-inequality-and-the-racial-wealth-gap-20211022.htm 

#BlackWealthGap #FinancialLiteracy #FinanciallyFreeWithCleo

00:00:00 - Easier to get info these days 

00:00:25 - Intro

00:00:45 - Welcome back to another episode with Cleo and Robert Fortune 

00:01:23 - How is Robert’s week REALLY going

00:02:53 - Becoming aware of the black wealth gap

00:03:19 - What is the black wealth gap?

00:05:35 - Daily money habits text community

00:06:45 - Wealth means different things to different people

00:09:13 - Shifting from consumer to investor 

00:14:19 - Keep it real with yourself

00:15:33 - When you’re young you think you have plenty of time

00:18:32 - No regrets 

00:25:50 - Setting boundaries with helping friends and family 

00:34:35 - Higher paying jobs vs financial literacy

00:39:15 - Money yoga class

00:39:53 - More money allows you to become more of what you already are

00:42:29 - You can make six figures and still live paycheck to paycheck

00:44:04 - Don’t cash out your 401K

00:45:37 - Celebrate all wins, the big, small and the underestimated. 

00:47:27 - Cost of living comparisons

00:49:18 - Financial therapy 

01:02:32 - Three ways to start closing the black wealth gap

01:14:39 - How to connect with Robert Fortune

01:18:40 - When I quit a high paying job to get my yoga certification

01:21:48 - Mention CLEO for a free consultation with Robert Fortune

01:22:43 - Final words from Robert Fortune 

01:23:25 - Wrap up

01:23:58 - Outro

Connect with our guest Robert Fortune. Mention CLEO and get a FREE financial consultation: 

Website: https://www.fortunecapllc.com/

Email: [email protected]

Business Instagram: @fortune_advisory https://www.instagram.com/fortune_advisory/

Personal Instagram: @newmoneyfortune https://www.instagram.com/newmoneyfortune/

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The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast

If you enjoy the show and want to support it, please subscribe on Youtube, or subscribe, rate and leave a review on Apple or Spotify . We appreciate it!

Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community

https://www.cleoyogafinance.com/offers/daily-money-habits-text-community

Join me on the first Sunday of every month at 11:00am CST for a Money Yoga Session

https://www.cleoyogafinance.com/money-yoga

Grab Your Financial Affirmation Cards 

https://www.cleoyogafinance.com/offers/financial-affirmations

Let’s Stay Connected: 

Instagram 

https://www.instagram.com/cleoyogafinance/

YouTube

https://www.youtube.com/c/CleoYogaFinance

TikTok

https://www.tiktok.com/

LinkedIn

https://www.linkedin.com/in/cleochildress/

Twitter

https://twitter.com/cleoyogafinance

Facebook

https://www.facebook.com/CleoYogaFinance

Website

https://www.cleoyogafinance.com/

The cost of living is going up everywhere.

Let's focus less on complaining and more on what we can control, which is our ability to earn more money so we can have more options. 

0:00 Quitting Jobs

0:17 Intro

0:37 Keeping up with the cost of living

2:13 Focus more on making more money

2:31 Cost of living is going up everywhere

3:38 Ask your employer for more money

5:02 Nothing wrong with job hopping

5:39 Negotiate and leverage your experience 

6:39 Daily money habits text community

7:50 Side hustles 

9:06 We going to spend money regardless of the struggle

10:28 Evaluate your skills

10:43 Making more money will always be at the top of list 

11:13 Do we really keep up with the cost of living?

12:54 Moving on to the next job

13:43 Money yoga class

14:21 Making more money doing the same job

15:54 Don’t worry about cost of living going up

16:35 What to do next 

16:57 Negotiate other benefits 

18:27 Don’t worry

18:45 Ask for what you want 

19:41 See you next week 

19:59 Outro

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The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast

If you enjoy the show and want to support it, please subscribe on Youtube, or subscribe, rate and leave a review on Apple or Spotify . We appreciate it!

Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community

https://www.cleoyogafinance.com/offers/daily-money-habits-text-community

Join me on the first Sunday of every month at 11:00am CST for a Money Yoga Session

https://www.cleoyogafinance.com/money-yoga

Grab Your Financial Affirmation Cards 

https://www.cleoyogafinance.com/offers/financial-affirmations

Let’s Stay Connected: 

Instagram 

https://www.instagram.com/cleoyogafinance/

YouTube

https://www.youtube.com/c/CleoYogaFinance

TikTok

https://www.tiktok.com/

LinkedIn

https://www.linkedin.com/in/cleochildress/

Twitter

https://twitter.com/cleoyogafinance

Facebook

https://www.facebook.com/CleoYogaFinance

Website

https://www.cleoyogafinance.com/

Working a job can be great. Growing a business can be great. Managing them both can also be great, but sometimes it's not. 

It can be stressful and overwhelming managing a job, a business, family and other responsibilities. 

The good news is there is always something you can do to make it all just a little bit easier. If you're juggling both it will never be perfect, but overall you want to wake up and enjoy doing what you do. 

#Entrepreneurship #Podcast #FinanciallyFreeWithCleo

0:00 - Move your body

0:22 - Intro

0:43 - Juggling jobs and businesses

3:33 - There is no work life balance

4:07 - Time blocking

6:41 - Daily money habits text community 

7:52 - Do not disturb

10:01 - Take breaks

11:51 - Money Yoga Class

12:28 - Putting too much on our plate with no breaks

14:10 - Keep personal and business finances separate

15:31 - Get help ASAP

18:09 - Quick recap and wrap up

20:29 - Outro

__

The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast

If you enjoy the show and want to support it, please subscribe on Youtube, or subscribe, rate and leave a review on Apple or Spotify . We appreciate it!

Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community

https://www.cleoyogafinance.com/offers/daily-money-habits-text-community

Join me on the first Sunday of every month at 11:00am CST for a Money Yoga Session

https://www.cleoyogafinance.com/money-yoga

Grab Your Financial Affirmation Cards 

https://www.cleoyogafinance.com/offers/financial-affirmations

Let’s Stay Connected: 

Instagram 

https://www.instagram.com/cleoyogafinance/

YouTube

https://www.youtube.com/c/CleoYogaFinance

TikTok

https://www.tiktok.com/

LinkedIn

https://www.linkedin.com/in/cleochildress/

Twitter

https://twitter.com/cleoyogafinance

Facebook

https://www.facebook.com/CleoYogaFinance

Website

https://www.cleoyogafinance.com/

***Super Bowl***

Super Bowl LVI is Sunday February 13th with the Los Angeles Rams vs Cincinnati Bengals at 3:30am PST. Which team are you going for? What's your favorite game day snacks? 

Check out this CBS Sports article with some top game day snack ideas:

https://www.cbssports.com/nfl/news/super-bowl-food-2022-staff-picks-for-top-super-bowl-lvi-party-snacks-entrees-desserts/

Valentine's Day is Monday February 14th. Whether you're single or in a relationship, there is always something relaxing or fun to do. 

***Valentines Day***

Valentine's Day Ideas for Singles 

https://www.womenshealthmag.com/sex-and-love/a30547788/what-to-do-single-on-valentines-day/

Valentine's Day Ideas for Couples

https://www.womenshealthmag.com/relationships/a26102865/valentines-day-date-ideas/

***Flights***

Best sites to search for flight deals:

https://www.skyscanner.com/

https://www.google.com/travel/flights

https://www.kayak.com/

https://www.momondo.com/

#ValentinesDay #Superbowl #FinanciallyFreeWithCleo

Every Thursday 12:00pm - 12:30pm CST is the LIVE Money Mindset Edition of Financially Free with Cleo Podcast. 

We will discuss trending topics, current events, and everything you should know to shift your money mindset so you can live financially free. Join in on the conversations!

__

The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast

Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community

https://www.cleoyogafinance.com/offers/daily-money-habits-text-community

Join me every Sunday at 11:00am CST for a Money Yoga Session

https://www.cleoyogafinance.com/money-yoga

Grab Your Financial Affirmation Cards 

https://www.cleoyogafinance.com/offers/financial-affirmations

Let’s Stay Connected: 

Instagram 

https://www.instagram.com/cleoyogafinance/

YouTube

https://www.youtube.com/c/CleoYogaFinance

TikTok

https://www.tiktok.com/

LinkedIn

https://www.linkedin.com/in/cleochildress/

Twitter

https://twitter.com/cleoyogafinance

Facebook

https://www.facebook.com/CleoYogaFinance

Website

https://www.cleoyogafinance.com/

Managing money when you’re single vs in a relationship are two different worlds.

Get your money right while you’re single so you can show up as your best self when you do decide to get into a healthy romantic relationship. 

#SingleLife #Podcast #FinanciallyFreeWithCleo

0:00 - Communicating about money 

2:23 - Intro 

0:43 - 50th episode 

2:00 - Getting your money right in your single life

3:25 - Understand your earning potential 

6:36 - Master money management skills 

7:29 - Daily money habits text community 

8:40 - Managing money while single vs in a relationship

10:30 - Strengthen your financial communication

12:48 - Money Yoga Class 

13:27 - Money Struggles 

15:50 - Understand Your Numbers 

19:35 - Hire a relationship coach and money coach 

22:22 - Nothing is wrong with being single

25:26 - Quick recap 

25:48 - Wrap up 

26:50 - Outro 

__

The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast

If you enjoy the show and want to support it, please subscribe on Youtube, or subscribe, rate and leave a review on Apple or Spotify . We appreciate it!

Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community

https://www.cleoyogafinance.com/offers/daily-money-habits-text-community

Join me on the first Sunday of every month at 11:00am CST for a Money Yoga Session

https://www.cleoyogafinance.com/money-yoga

Grab Your Financial Affirmation Cards 

https://www.cleoyogafinance.com/offers/financial-affirmations

Let’s Stay Connected: 

Instagram 

https://www.instagram.com/cleoyogafinance/

YouTube

https://www.youtube.com/c/CleoYogaFinance

TikTok

https://www.tiktok.com/

LinkedIn

https://www.linkedin.com/in/cleochildress/

Twitter

https://twitter.com/cleoyogafinance

Facebook

https://www.facebook.com/CleoYogaFinance

Website

https://www.cleoyogafinance.com/

This week has been full of heavy conversations about mental health and suicide, especially after the recent news of a few people committing suicide. 

Money struggles is at the top of the list for people who have either committed suicide or thought about it. 

0:00 Welcome 

0:35 - Mental Health, Suicide and Money 

10:06 - Do something fun to release and relax

12:31 - Vent to a friend because it's unhealthy to hold it in

14:46 - Hire a professional because you can't do it alone 

20:07 - Join a community of people you relate to and can learn from 

22:01 - Wrap up

#Suicide #Podcast #FinanciallyFreeWithCleo

Every Thursday 12:00pm - 12:30pm CST is the LIVE Money Mindset Edition of Financially Free with Cleo Podcast. 

We will discuss trending topics, current events, and everything you should know to shift your money mindset so you can live financially free. Join in on the conversations!

__

The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast

Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community

https://www.cleoyogafinance.com/offers/daily-money-habits-text-community

Join me every Sunday at 11:00am CST for a Money Yoga Session

https://www.cleoyogafinance.com/money-yoga

Grab Your Financial Affirmation Cards 

https://www.cleoyogafinance.com/offers/financial-affirmations

Let’s Stay Connected: 

Instagram 

https://www.instagram.com/cleoyogafinance/

YouTube

https://www.youtube.com/c/CleoYogaFinance

TikTok

https://www.tiktok.com/

LinkedIn

https://www.linkedin.com/in/cleochildress/

Twitter

https://twitter.com/cleoyogafinance

Facebook

https://www.facebook.com/CleoYogaFinance

Website

https://www.cleoyogafinance.com/

It's Black History Month! 

Although we celebrate all things black all year around, let's make sure we are intentional about learning something new about Black History and sharing something we already know with someone else. 

This week I'm sharing 3 Lies About Black People that I was once told. 

0:00 Couldn't breathe when I jumped out of a plane

0:17 Intro 

0:37 It’s Back History Month 

2:36 Lie #1 - Black people don’t sky dive 

6:34 Commercial Break - Money Yoga Session 

9:09 Lie #2 - Black people don’t live in Nashville, TN 

13:19 Lie #3 - Black students aren’t ready for HBCU if they attended all white middle school 

18:25 What to do for black history month 

18:46 Daily Money Habits Text Community 

21:17 Outro 

Check out Will Smith's video: "What skydiving taught me about fear"

https://youtu.be/bFIB05LGtMs

__

The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast

If you enjoy the show and want to support, please subscribe on Youtube, or subscribe, rate and leave a review on Apple or Spotify . We appreciate it!

Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community

https://www.cleoyogafinance.com/offers/daily-money-habits-text-community

Join me every Sunday at 11:00am CST for a Money Yoga Session

https://www.cleoyogafinance.com/money-yoga

Grab Your Financial Affirmation Cards 

https://www.cleoyogafinance.com/offers/financial-affirmations

Let’s Stay Connected: 

Instagram 

https://www.instagram.com/cleoyogafinance/

YouTube

https://www.youtube.com/c/CleoYogaFinance

TikTok

https://www.tiktok.com/

LinkedIn

https://www.linkedin.com/in/cleochildress/

Twitter

https://twitter.com/cleoyogafinance

Facebook

https://www.facebook.com/CleoYogaFinance

Website

https://www.cleoyogafinance.com/

We discussed the following...

0:00 Welcome 

0:52 Blocking access to financial education for alternative school students 

7:52 Lil Duval Twitter post about going to therapy before a vacation

13:42 Evaluate your inner circle 

18:10 Check-in on money goals 

Facebook post discussed in this episode: https://bit.ly/3rTwnna

Twitter post discussed in this episode: https://bit.ly/3fZzGUh

#MoneyMindset #Podcaster #FinanciallyFreeWithCleo

Every Thursday 12:00pm - 12:30pm CST is the LIVE Money Mindset Edition of Financially Free with Cleo Podcast. 

We will discuss trending topics, current events, and everything you should know to shift your money mindset so you can live financially free. Join in on the conversations!

__

The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast

Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community

https://www.cleoyogafinance.com/offers/daily-money-habits-text-community

Join me every Sunday at 11:00am CST for a Money Yoga Session

https://www.cleoyogafinance.com/money-yoga

Grab Your Financial Affirmation Cards 

https://www.cleoyogafinance.com/offers/financial-affirmations

Let’s Stay Connected: 

Instagram 

https://www.instagram.com/cleoyogafinance/

YouTube

https://www.youtube.com/c/CleoYogaFinance

TikTok

https://www.tiktok.com/

LinkedIn

https://www.linkedin.com/in/cleochildress/

Twitter

https://twitter.com/cleoyogafinance

Facebook

https://www.facebook.com/CleoYogaFinance

Website

https://www.cleoyogafinance.com/

It's the final week of our Start Fresh 4-Week Series

Think about your daily money habits. What are some positive habits? What are some negative habits? 

Which habits are pushing you closer to your money goals and which are pulling you farther away?

The key is adding more positive habits and gradually removing more negative habits. There is no perfect balance, but there is always a need to continue learning, growing and taking action daily. 

#Habits #Podcast #FinanciallyFreeWithCleo

0:00 - Get back on track 

0:13 - Intro 

0:32 - Final Week of Start Fresh 4-Week Series

0:57 - Habits expose our truths

5:22 - More income vs money management 

6:47 - How are you handling your money right now? 

7:36 - Money dates

9:20 - Commercial Break (Money Yoga Session)

10:01 - Money dates continued

11:18 - Find someone to talk to 

12:30 - Believe it in your mind and heart first

14:00 - Nurture your relationships

14:40 - Evaluate your habits 

17:16 - Ask for help 

20:24 - What you need to do next

21:05 - Daily Money Habits Text Community

23:25 - Wrap up 

23:42 - Outro

Video mentioned in this episode: "More Income vs Money Management" https://youtu.be/eRgiEvZ1s1k

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The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast

If you enjoy the show, please subscribe, rate and leave a review. We appreciate the support. 

Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community

https://www.cleoyogafinance.com/offers/daily-money-habits-text-community

Join me every Sunday at 11:00am CST for a Money Yoga Session

https://www.cleoyogafinance.com/money-yoga

Grab Your Financial Affirmation Cards 

https://www.cleoyogafinance.com/offers/financial-affirmations

Let’s Stay Connected: 

Instagram 

https://www.instagram.com/cleoyogafinance/

YouTube

https://www.youtube.com/c/CleoYogaFinance

TikTok

https://www.tiktok.com/

LinkedIn

https://www.linkedin.com/in/cleochildress/

Twitter

https://twitter.com/cleoyogafinance

Facebook

https://www.facebook.com/CleoYogaFinance

Website

https://www.cleoyogafinance.com/