Financially Free with Cleo

On Episode 15: “Side Hustles: More Money, More Options”

We're talking with Jhanilka and Anthony Hartzog, a millennial couple who paid off $114,000 in 23 months. I love how they share their journey.

It's easy to get overwhelmed watching everyone do this and that, but they are constantly showing us that no matter what type of lifestyle you want to live, there are so many ways to get there.

In this episode, you’ll learn: 

2:30 - How they grew up and first learned about money 

5:13 - Jhanilka and Anthony's best money decision

7:54 - Jhanilka and Anthony's most challenging money experience

9:34 - Managing 9-5’s, side hustle's and quality time

16:22 - What does Hatrimony represent? 

17:38 - What does being financially free mean to the Jhanilka and Anthony

21:50 - Hiring help in business

25:25 - Advice for couples managing money together 

28:03 - Fun QA with Jhanilka and Anthony

36:18 - Jhanilka and Anthony's response to their financial affirmation card

37:52 - Advice Jhanilka and Anthony would give to themselves right now

38:52 - How to connect with Jhanilka and Anthony

Connect with Jhanilka and Anthony:

Instagram: 

https://www.instagram.com/thehartrimony/

The Financially Free with Cleo Podcast is available on Apple Podcasts, Spotify, Google Podcasts and PodBean: https://www.cleoyogafinance.com/podcast

It's also on YouTube at Cleo Yoga Finance. Watch here: https://bit.ly/33NJYRp

If you enjoyed this episode, please subscribe, share on social media and tag @cleoyogafinance or leave us a review.

We appreciate your support. See you next week!

Website:

https://www.cleoyogafinance.com/

On Episode 14: "How Storytelling Can Transform Your Finances" we are talking with Yasmine Bedward, a creative and super talented Traveling Social Media Manager and Brand Developer.

We talked all things branding, wellness, finance, and how she stays spiritually grounded. 

One way to improve the quality of your experience on social media is through storytelling. Telling your own story and engaging with the stories of other people.

These experiences will allow you to learn, grow, build meaningful connections, nurture genuine relationships and transform your finances. 

Yasmine's mission is to bring more creativity, vulnerability and intentionality to digital spaces across the web. She breaks it down and gives us valuable tips we can start implementing today.

In this episode you will learn:

1:48 - How Yasmine grew up and how she first learned about money

5:03 - Yasmine’s best money decisions

8:44 - Yasmine’s worst financial mistake

14:02 - What being financially free means to Yasmine

19:15 - Yasmine's Yoga Teacher Training and Traveling Adventures  

34:16 - How Yasmine began her career as a Traveling Social Media Manager and Brand Developer

40:04 - Leveling up your content with Gram Guides and The 90 Day Content Calendar

49:15 - Fun Facts About Yasmine 

53:47 - Yasmine’s response to her financial affirmation card

58:08 - Advice Yasmine would give to herself right now

59:08 - How to connect with Yasmine Bedward and her Branding Agency 

Connect with Yasmine Bedward:

Website:

https://www.yasminebedward.com/

Instagram: 

https://www.instagram.com/yasminebedward/

YouTube:

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

Facebook: 

https://www.facebook.com/yasmine.bedward.5

Twitter:

https://twitter.com/yasminebedward

The Financially Free with Cleo Podcast is available on Apple Podcasts, Spotify, Google Podcasts and PodBean: https://www.cleoyogafinance.com/podcast

It's also on YouTube at Cleo Yoga Finance. Watch here: https://bit.ly/33NJYRp

If you enjoyed this episode, please subscribe, share on social media and tag @cleoyogafinance or leave us a review.

We appreciate your support. See you next week!

Website https://www.cleoyogafinance.com/

On Episode 13: "Black Men and Vulnerability" we have a "CC Exclusive" which is a special Part 2 conversation with THE Rob Boyd, Financial Education Specialist and Entrepreneur.

After we finished Episode 12 (Part 1), we continued to have a much needed conversation. We then realized, this needs to be recorded. So, this is why we now have an amazing Part 2 with Rob Boyd.

Rob gets real and raw as he shares his personal thoughts and feelings when it comes to black men and their experiences with emotions, feelings, and mental health.

He understands that he is human and has the right to experience emotion, negative or positive, regardless of judgement.

In this episode you will learn:

0:35 - Rob's thoughts on how black men experience emotions and deal with mental health 

14:07 - When Rob emotionally boiled over and the real reason he left his business in DC

20:53 - Rob’s experience with therapy

44:11 - Handling emotional pain from disappointments

57:32 - Final thoughts 

If you missed Part 1 conversation with Rob, check out Episode 12 here: https://youtu.be/iAbXh-vuAoA

If you're in need of a therapist, consider these four options: 

Better Help: https://www.betterhelp.com/

Therapy for Black Men: https://therapyforblackmen.org/

Black Men Heal: https://blackmenheal.org/

Therapy for Black Girls: https://therapyforblackgirls.com/

Connect with Rob Boyd:

Instagram: 

https://www.instagram.com/therobboyd/

Facebook: 

https://www.facebook.com/therobboyd

Twitter:

https://twitter.com/TheRobBoyd

LinkedIn:

https://www.linkedin.com/in/rob-boyd-mps-a7a8b81b/

The Financially Free with Cleo Podcast is available on Apple Podcasts, Spotify, Google Podcasts and PodBean: https://www.cleoyogafinance.com/podcast

It's also on YouTube at Cleo Yoga Finance. Watch here: https://bit.ly/33NJYRp

If you enjoyed this episode, please subscribe, share on social media and tag @cleoyogafinance or leave us a review.

We appreciate your support. See you next week!

Website https://www.cleoyogafinance.com/

On Episode 12: "Transformation Requires Risk" we are talking with THE Rob Boyd, Financial Education Specialist and Entrepreneur. (Part 1)

Rob shares how he made the transition from the corporate world to entrepreneurship. The journey isn't always easy, but it's rewarding. Transformation requires us to take risks. Rob explains how risk doesn't equate to failure. It's just part of the process.

Rob is also making life changing impacts with Ashley M Fox, CEO and Founder of Empify. Their Wealth Builders Community is top notch and continues to expand in the FinTech world. 

In this episode you will learn:

2:10 - How Rob Grew Up And Learned About Money 

18:20 - Rob's Best Money Decision

31:27 - How Rob Got The Money For A Real Estate Deal

41:24 - What Does Being Financially Free Mean To Rob

52:43 - Journey To Entrepreneurship And How Empify & Wealth Builders Community Began

1:06:28 - Rob’s Response To His Financial Affirmation Card

1:08:33 - Fun Facts About Rob 

1:12:59 - Advice Rob Would Give To Himself Right Now 

1:13:40 - How To Connect With Rob & Join Wealth Builder Gang 

Connect with our special guest "Rob Boyd"

Instagram: 

https://www.instagram.com/therobboyd/

Facebook: 

https://www.facebook.com/therobboyd

Twitter:

https://twitter.com/TheRobBoyd

LinkedIn:

https://www.linkedin.com/in/rob-boyd-mps-a7a8b81b/

Join the Wealth Builder's Community:

https://www.empify.com/wbcommunity/

The Financially Free with Cleo Podcast is available on Apple Podcasts, Spotify, Google Podcasts and PodBean: https://www.cleoyogafinance.com/podcast

It's also on YouTube at Cleo Yoga Finance. Watch here: https://bit.ly/33NJYRp

If you enjoyed this episode, please subscribe, share on social media and tag @cleoyogafinance or leave us a review.

We appreciate your support. See you next week!

Website https://www.cleoyogafinance.com/

This week is special because I'm releasing my 11th podcast episode. There's a podcasting statistic that states the average podcast doesn't make it beyond the 10th episode.

On Episode 11: "Statistics Do Not Define You" I'm sharing how I didn't allow statistics to define what I can do. Although there is more work to be done, I've remained consistent and crushed that goal. The journey continues.

There are other statistics that I have come across over the years that I almost let keep me stuck. Researching and learning about studies is great, but remember they don't define us. We are capable of doing whatever we put our mind and energy to.

In this episode you will learn:

00:01:27 - Why you shouldn't allow statistics to control your actions

00:02:42 - How I almost didn't start this podcast

00:05:51 - Other statistics that almost kept me stuck

00:18:55 - Ways to not allow statistics to define you

What statistics have you learned about that may have or almost kept you stuck? Share with me!

Check out this video: "3 Reasons To Share Your Story" https://youtu.be/FZskZxGt9YU

The Financially Free with Cleo Podcast is available on Apple Podcasts, Spotify, Google Podcasts and PodBean: https://www.cleoyogafinance.com/podcast

It's also on YouTube at Cleo Yoga Finance. Watch here: https://bit.ly/33NJYRp

If you enjoyed this episode, please subscribe, share on social media and tag @cleoyogafinance or leave us a review.

We appreciate your support. See you next week!

Website https://www.cleoyogafinance.com/

On Episode 10: "Why Estate and Legacy Planning Is For Everyone" We are talking with Mariah Street, CEO and Founder of Legacy Street Law.

Some of us may think estate and legacy planning is not for us because we are not rich or wealthy, but it's much deeper than that. If you died today, what would happen to your stuff? Who would care for your kids?

If you were sick and unable to speak for yourself, who is going to handle your personal and business affairs until you get well? Instead of just thinking about what we want to happen, we must be detailed and put it in writing.

In this episode you will learn:

00:01:50 - How Mariah grew up and learned about money

00:07:50 - One of Mariah's positive money experiences

00:12:30 - What being financially free means to Mariah

00:17:53 - What estate and legacy planning really means and how Mariah started Legacy Street Law

00:47:53 - More About Maria QA

01:03:27 - Mariah's response to the financial affirmation card

01:09:45 - Advice Mariah would give to herself right now

01:12:50 - How to connect with Mariah and get started with your estate plan

Connect with Mariah Street:

Website: https://www.legacystreetlaw.com/

Instagram: @legacystreetlaw https://www.instagram.com/legacystreetlaw/

Instagram: @mariahadvises https://www.instagram.com/mariahadvises/

Facebook: Legacy Street Law http://facebook.com/legacystreetlaw/

If you're based in North Carolina, you'll receive $250 off your estate plan if you listen to this episode and mention that you heard about Mariah on this podcast. **Offer Expires March 31, 2021**

The Financially Free with Cleo Podcast is available on Apple Podcasts, Spotify, Google Podcasts and PodBean: https://www.cleoyogafinance.com/podcast

It's also on YouTube at Cleo Yoga Finance. Watch here: https://bit.ly/33NJYRp

If you enjoyed this episode, please subscribe, share on social media and tag @cleoyogafinance or leave us a review.

We appreciate your support. See you next week!

Website https://www.cleoyogafinance.com/

On Episode 9: "Paying Off Debt Faster" I'm sharing tips on how to pay off debt faster so you can live the lifestyle you desire.

Yes you can most definitely live a great life while paying off debt, but most of the time debt can be a barrier between the life we have now and the financial lifestyle we desire.  

Larger debts such as a mortgage may take the longest to pay off, but it can be paid off early too. Let's get those other debts out of the way first, such as credit cards, payday loans, title loans, auto loans, personal loans, medical debt, student loans, taxes, child support, etc. 

You may be thinking, what's the rush Cleo? I have plenty of time to pay off my debts. Well that sounds great, but the reality is we don't have plenty of time. The best thing we can do is appreciate each day, be grateful and also take action every day that pushes us closer to our debt free goal. 

Just think about how you would feel if you were debt free right now. What would you do with your time, energy and money if you have no debt payments?

In this episode you will learn how: 

04:50 - Your mindset controls your daily actions

06:50 - The debt snowball method allows you to get quick results

10:28 - Budgeting helps you understand what you're working with 

11:55 - Increasing income gives you more options

14:17 - Saying NO pushes you closer to your debt free goal

The Financially Free with Cleo Podcast is available on Apple Podcasts, Spotify, Google Podcasts and PodBean: https://www.cleoyogafinance.com/podcast

It's also on YouTube at Cleo Yoga Finance. Watch here: https://bit.ly/33NJYRp

If you enjoyed this episode, please subscribe, share on social media and tag @cleoyogafinance or leave us a review.

To help you make some adjustments in your life to prepare you for your debt free journey, check out Episode 5: "Boundaries" https://youtu.be/BrJfsxaklLc

We appreciate your support. See you next week!

Website https://www.cleoyogafinance.com/

On Episode 8: "Pro Athletes and the Psychology of Money" we are talking with Financial Therapist, Taryn Bushrod.

She shared how she helps professional athletes improve their relationship with money by helping them identify the triggers of their spending habits so they can take control of their finances and create a lifestyle that doesn’t break the bank.

She also takes us back to her childhood and shares some of the money lessons she learned at an early age from her grandfather and father.

Connect with Taryn Bushrod:

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

LinkedIn: https://www.linkedin.com/in/Taryn-bushrod-9b388515/

Twitter: https://twitter.com/itstarynsworld

Website: https://tarynsworld.com/

The Financially Free with Cleo Podcast is available on Apple Podcasts, Spotify, Google Podcasts and PodBean: https://www.cleoyogafinance.com/podcast

It's also on YouTube at Cleo Yoga Finance. Watch here: https://bit.ly/33NJYRp

If you enjoyed this episode, please subscribe, share on social media and tag @cleoyogafinance or leave us a review.

Website: https://www.cleoyogafinance.com/

We appreciate your support. See you next week!

Motherhood is a beautiful and exciting experience!

On Episode 7: "Motherhood and Money Mindsets" we are talking with returning guest, "Stephanie Holt," as we share our experiences as a teen mom, single mom and how our money mindsets changed over the years.

Although motherhood is extremely rewarding, it can sometimes be overwhelming. No mother is perfect. There is no "one way" to be a parent. 

One of the best things we can do as mothers is use our money lessons and life lessons to help guide our kids as they navigate through their own lives. 

Connect with Stephanie Holt:

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

Facebook: https://www.facebook.com/nicole.holt.5

The Financially Free with Cleo Podcast is available on Apple Podcasts, Spotify, Google Podcasts and PodBean: https://www.cleoyogafinance.com/podcast

It's also on YouTube at Cleo Yoga Finance. Watch here: https://bit.ly/33NJYRp

Check out another YouTube video: "3 Things Single Motherhood Taught Me" https://youtu.be/pQPADOO7_fY

If you enjoyed this episode, please subscribe, share on social media and tag @cleoyogafinance or leave us a review.

We appreciate your support. See you next week! 

On Episode 6: "Financial Lessons to Financial Blessings" we're talking with Norman McClain as he shares some of his money experiences starting from when he was a young kid selling freeze cups, candy and mowing lawns.

From getting scholarships to cover 100% of his undergraduate degree (Blessings) to getting student loans in graduate school (Lessons) to becoming a successful sales professional in the manufacturing industry, owner of Snacks LLC, stock investor and real estate mogul.

He reminds us that no matter your age, environment or circumstances, there is always a way to earn multiple streams of income and live the lifestyle you desire.

Connect with Norman McClain:

Instagram: https://www.instagram.com/2piecesnackback/

LinkedIn: https://www.linkedin.com/in/normanmcc/

The Financially Free with Cleo Podcast is available on Apple Podcasts, Spotify, Google Podcasts and PodBean: https://www.cleoyogafinance.com/podcast

It's also on YouTube at Cleo Yoga Finance. Watch here: https://bit.ly/33NJYRp

If you enjoyed this episode, please share your feedback, subscribe, share on social media and tag @cleoyogafinance or leave us a review.

We appreciate your support. See you next week!