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In this classic episode, I’m chatting with Ryan Duitch, Founder and CEO of Arro, a fintech company focused on helping people build credit more responsibly. Ryan shares why the traditional credit system can feel confusing, intimidating, and unfair for so many people, especially those who are new to credit, rebuilding credit, or living paycheck to paycheck.

We talk about how financial literacy, behavior, and access all work together, and why learning how to manage money is such an important part of learning how to manage credit. Ryan also breaks down how Arro was designed to give users step-by-step guidance, education, and tools to help them make smarter financial decisions over time.

This conversation originally aired in late 2024, so some product details may have changed since recording. Please check Arro’s current terms, features, fees, and eligibility requirements directly before applying.

About our guest
Ryan Duitch is the Founder and CEO of Arro, which he started in May 2021. Before Arro, he was a Co-Founder at Field Day, a VC-backed startup, from May 2017 to May 2021.

Check Arro here

Download the Arro App-

• Apple App Store
• Google Play Store

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In today's classic episode, I talk with Chris Gerardi, Founder and CEO of Realbricks, about a different way to think about real estate investing. Instead of saving up for a huge down payment or becoming a landlord, Realbricks allows eligible investors to purchase fractional shares tied to individual rental properties starting with as little as $100. Chris explains how fractional real estate investing works, how investors may receive rental income distributions, and how Realbricks handles the property management side so investors do not have to deal with tenants, repairs, or late-night landlord problems. We also talk about the risks, the importance of starting small, and why real estate can be one way to diversify your investment portfolio. If you have ever wanted to invest in real estate but felt like it was out of reach, this conversation is a helpful place to start.

About our guest:
Chris Gerardi is an entrepreneur and the Founder and CEO of Realbricks, a fractional real estate investing platform designed to make real estate investing more accessible. With 18 years of operational experience across multiple public companies, Chris brings leadership and executional expertise to his work building teams and growing Realbricks.

His mission with Realbricks is to help everyday investors overcome traditional barriers to real estate investing through fractional ownership. By giving eligible investors a way to start with a lower minimum investment, Chris hopes to make real estate more approachable for people who want exposure to rental income, property appreciation, and long-term wealth-building opportunities without having to buy and manage an entire property themselves.

Real Bricks
Download on the App Store
Get it on Google Play

Editor’s note: This conversation originally aired in Q4 2024. Since then, some Realbricks platform features, offering details, fees, and liquidity language may have changed. Real estate investments involve risk, potential illiquidity, and possible loss of capital. SEC qualification does not mean the SEC endorses or approves an investment. Please review the latest Realbricks offering materials before investing.

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In today's classic episode, I talk to April Stewart, a personal finance coach who became a millionaire without starting a side hustle or business. April shares her journey of transforming her corporate salary into long-term wealth. After a tough job loss, she got serious about saving and investing, building a strong financial foundation and becoming debt-free. We discuss the importance of budgeting, why building wealth doesn’t have to mean extreme sacrifices, and the impact of mindset on financial success.

About our guest:
There’s a common misconception that only stock traders, real estate investors, and business owners can become millionaires. April Stewart defies this belief by sharing how she used her corporate salary, intentional money management, and consistent investing to build a million-dollar net worth.

After experiencing a job loss early in her career, April transformed her relationship with money and went from living paycheck to paycheck to becoming a self-made millionaire in less than 15 years. Today, as a certified financial coach, educator, speaker, and founder of April The Money Coach, she helps high-earning professional women manage their money, build wealth, and work toward a million-dollar net worth using their income alone.

April’s expertise has been featured in Forbes, Business Insider, Black Enterprise, Success Magazine, and AfroTech.

April’s free Millionaire Money Checklist / Assessment:
https://april-stewart.mykajabi.com/millionaire-money-checklist


Editor’s note: This is a classic episode originally released in 2024. Some time references reflect when the conversation was recorded, but the lessons on budgeting, saving, investing, and building wealth through a 9-to-5 are still relevant today.

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Join me in today's classic episode as I talk with R Persichitte, a money expert who helps people avoid scams. We chat about what fraud is, how it is different from rip-offs, and ways you can keep your money safe. R shares real stories about people who lost their savings and gives easy tips to protect yourself. Listen in to learn how to keep your money where it belongs.

About our guest:
R Persichitte, CPA, CFP®, CFA, CFE, guides business leaders and individuals through tax, investment, and financial planning decisions. An accountant at heart and an award-winning analyst, R is known for using data to make sound decisions and help clients avoid costly mistakes, scams, and other financial pitfalls. He served as an auditor for over ten years, working in tax, fraud, and asset recovery, and now works as an auditor on your side.

Delagify Financial is a fee-for-service financial planning firm dedicated to helping people keep their money. The company helps individuals and small businesses avoid rip-offs, mistakes, and unnecessary taxes through tax strategy, accounting, and comprehensive financial planning services.

https://secondlook.delagify.com/

https://delagify.com

Editor’s note: This classic episode originally aired in 2024. The fraud-prevention advice still applies, and the topic is even more urgent today as reported online fraud and investment-scam losses continue to rise. Since the original recording, some figures and rules have changed, including the 2026 federal estate-tax filing threshold, and some recovery/payment-app rules may vary by situation. If you believe you’ve been targeted by an online, crypto, or impersonation scam, stop sending money, document everything, and report it to the FBI’s IC3 and the FTC.

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Grab your spot in my free Financial CPR class and learn the simple steps I used to go from paycheck to paycheck to my first million.

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Today's episode is such a full circle moment. I’m talking with Odunayo Ajayi, a Nigerian immigrant, mom, wife, Microsoft Technical Program Manager, author, and personal finance educator who went from student loan debt to building real wealth. We talk about paying off debt, getting on the same page with your partner, building an emergency fund, investing for your kids, and why money should not be a secret in our homes. Odunayo’s story is proof that you can start where you are, learn what you need, and build a life with more peace, purpose, and freedom.

About our guest:
Odunayo Ajayi is a personal finance educator, author, and founder of Odunayo Ajayi LLC, a financial education and coaching company helping individuals, couples, immigrants, women, and families build wealth with wisdom, purpose, and intentionality. She is also a Technical Program Manager at Microsoft with over 12 years of experience across technology, financial services, consulting, nonprofit, and consumer goods, including work with JP Morgan Chase, Barclays, KPMG, The Hershey Company, and Google. Originally from Akure, Nigeria, she holds a Bachelor’s degree in Computer Science from Bowen University and a Master’s degree in Economics and International Relations from Syracuse University.

After taking on six figures in student loan debt, Odunayo transformed her financial life by paying off her loans, building a fully funded emergency fund, purchasing a home without new debt, and growing her investment portfolio to seven figures within five years. She is the author of The Joy of Financial Freedom: Building Wealth with Wisdom and Purpose, now available on Amazon, and the founder of The Joy Circle, a private community offering courses, coaching, and accountability. A devoted Christian and active member of RCCG Desire of Nations in New York, Odunayo now lives in New Jersey with her husband and two sons.

📖 Book (Pre-Order): The Joy of Financial Freedom: Building Wealth with Wisdom and Purpose: https://www.amazon.com/dp/B0GX2YV3SB
🌐 Website: https://odunayoajayi.com/
📸 Instagram: @odunayooajayi
💛 The Joy Circle Community (Skool): https://www.skool.com/the-joy-circle-2986/about

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In today's episode, I sit down with Jennifer Beeston, a top mortgage expert, to talk about what you need to know before getting a home loan. We discuss why it’s so important to shop around for rates, how to avoid being ripped off by lenders, and the hidden costs that come with buying a home. Jennifer shares practical tips on how to make the best financial decisions, whether you're buying your first home or are a seasoned investor.

About our guest:
Jennifer Beeston is a nationally recognized mortgage and real estate expert, known for her dedication to financial literacy, consumer advocacy, and making the homebuying process less stressful. As a top VA loan expert, top 1% mortgage lender, and EVP of National Sales at Rate, she provides clear, practical advice on home financing for first-time buyers, repeat buyers, veterans, and seasoned investors alike. With nearly two decades of experience, Jennifer has been featured in major media outlets like US News, Business Insider, Time, and NBC News, and shares her insights through her popular YouTube channel, homebuying courses, and mortgage education resources. She is also the author of Brainhacked: How Big Tech Trains Your Brain to Spend—and How You Can Fight Back, furthering her mission to help people make smarter financial decisions. Jennifer is a passionate advocate for transparency and financial education, empowering individuals to take control of their financial futures with confidence.

Brainhacked by Jennifer Beeston - https://www.jenniferbeeston.com/brainhacked
Social Links of Jennifer Beeston - https://linktr.ee/JenniferBeeston

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This is a classic episode originally released in Q4 2024. The mortgage market has shifted since then, but the core advice still applies: shop lenders, compare Loan Estimates, understand your full monthly payment, and don’t let anyone pressure you into a home or loan you don’t understand. Some market examples were current at the time of recording, so always check today’s rates, fees, insurance costs, and tax rules for your own situation.

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Grab your spot in my free Financial CPR class and learn the simple steps I used to go from paycheck to paycheck to my first million.

Please join me here, and follow me on social media, Instagram, and Facebook.

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In this episode, I talk with Andy Ellwood, the founder of Stretch Groceries, an app that helps you compare prices at stores near you before you shop. Groceries are taking up more and more of our money, and I know so many of us are tired of guessing how much things will cost when we get to the store. Andy shares how becoming a dad helped him see just how wild grocery prices can be, why families need more help saving money, and how AI can make grocery shopping easier. We also talk about building businesses, learning from failure, and why every dollar you save on food can help you build a better financial future.

About our guest:
Andy Ellwood is the founder of Stretch, a new AI platform reimagining how families navigate the grocery aisle. A serial entrepreneur behind companies acquired by Facebook and Google, Andy has built everything from global learning communities to purpose-driven tech startups. His philosophy—Make Room For Many—guides his work as he uses technology to create more access, clarity, and opportunity for everyday consumers.

Stretch Groceries website: https://stretchgroceries.com/

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Grab your spot in my free Financial CPR class and learn the simple steps I used to go from paycheck to paycheck to my first million.

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Today's episode is such a treat because I’m sitting down with my friend Cody Berman, who became financially independent in his 20s and just released his book Retire by 30. Cody shares how he left corporate America, built side hustles, kept his expenses low, invested the gap, and created a life where work is now a choice. We talk about FIRE, digital products, real estate, house hacking, lifestyle creep, money with your partner, and why you do not have to do everything at once to change your life.

About our guest:
Cody Berman is an entrepreneur, real estate investor, personal finance educator, and author of Retire by 30. He reached financial independence at 25 through online business, strategic investing, and intentional living, and now helps others achieve freedom on their own terms. He’s the creator of an award-winning personal finance podcast and has built multiple seven-figure businesses.

https://codydberman.com/kit
https://retireby30book.com
Socials: @codydberman

Digital Products Course: https://naseema--gold-city-ventures.thrivecart.com/etsy-printables/

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Grab your spot in my free Financial CPR class and learn the simple steps I used to go from paycheck to paycheck to my first million.

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In this classic episode, I had a conversation with Chris Miles, who went from being a traditional financial advisor to retiring in his twenties by creating passive income streams. Chris shares his incredible story of discovering that the old-school methods of saving and investing weren’t enough for the kind of freedom he wanted. He walks us through the ups and downs of his financial journey, how he bounced back after losing it all, and what he did to rebuild through real estate, cash flow strategies, and other income-producing investments.

About our guest:
Chris Miles, the Cash Flow Expert and Anti-Financial Advisor, is a leading authority teaching entrepreneurs and professionals how to get their money working for them today. Chris has used his knowledge, not once, but twice, to become financially independent where his passive income exceeded his expenses, not to mention paid off his $1 Million in debt after the last recession without filing bankruptcy. He’s an author and host of the Money Ripples Podcast, and has been featured in US News, CNN Money, Entrepreneurs on Fire, BiggerPockets, and Bankrate.com. He has a proven reputation with his company, Money Ripples, getting his clients fast financial results. In fact, his personal clients have increased their cash flow by over $300 Million in the last 15 years.

Money Ripples - https://moneyripples.com/

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Grab your spot in my free Financial CPR class and learn the simple steps I used to go from paycheck to paycheck to my first million.

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Need help getting started on your path to financial freedom? Start Here

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In today's episode of Financially Intentional, I sit down with Cimone Casson, a powerful entrepreneur who built a multimillion dollar insurance and tech company starting with just $400. Cimone shares how she went from a nontraditional path to creating real wealth, owning the room, and helping athletes, business owners, and high earners protect their money before things go wrong. We talk about NIL deals, athlete insurance, AI, contracts, building a business without a college degree, and why chasing the wrong bag can cost you the real money.

About our guest:
Cimone Casson is the Founder and CEO of Cannas Capital, a global insurtech agency specializing in protecting high-growth and emerging industries like cannabis, craft beverage, and professional athletes. She is also the creator of EquiRate AI, a patent-pending underwriting platform helping expand access to responsible capital through standardized inclusive lending frameworks.

Known for her street-to-boardroom perspective, Cimone works at the intersection of insurance, capital access, and economic empowerment, helping entrepreneurs move from visibility to ownership and build real wealth in the new economy.

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Grab your spot in my free Financial CPR class and learn the simple steps I used to go from paycheck to paycheck to my first million.

Please join me here, and follow me on social media, Instagram, and Facebook.

Need help getting started on your path to financial freedom? Start Here

Join the Financially Intentional Community 

Oh and please subscribe and leave a review on whatever app you're using to stream this podcast. 

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