Let's Talk Money

🔥 BLACK FRIDAY DEALS ARE EVERYWHERE—but are you truly saving money?

A 50% discount sounds irresistible. But before you buy, ask yourself: Would you have purchased this item anyway? 🤔

Welcome to another episode of Let’s Talk Money, where we share practical strategies to help you take control of your finances, build wealth, and create a lasting financial legacy.

🎙️ In today's episode, we’re talking about Black Friday: Are You Really Saving Money?

Black Friday can be a smart time to shop for items you already need at lower prices. But without a plan, those tempting discounts can lead to impulse purchases, credit card debt, and financial stress. Tune in to learn how to make the most of the deals—and keep your financial goals on track.

💡 In this episode, you will learn:
🛍️ Why discounts do not always mean you are saving money.
💰 How to distinguish between a genuine bargain and unnecessary spending.
📊 Why setting a Black Friday budget is essential.
🚨 How marketing tactics and impulse buying can influence your financial decisions.
🎯 Practical strategies to shop wisely without compromising your financial goals.

💬 LET'S TALK!
Have you ever purchased something during a Black Friday sale simply because the discount was too good to resist? Share your experience in the comments!

👍 LIKE this video if you found it helpful.
💬 COMMENT and share your thoughts.
🔔 SUBSCRIBE to Let's Talk Money for more practical financial education.

📲 CONNECT WITH ME
Naomi Jean | Certified Financial Strategist
Founder of Persistent Accounting
▶️ YouTube: @naomijean758
📸 Instagram: @naomijean758
🎵 TikTok: @naomijean758
📘 Facebook: Persistent Accounting

✨ Plan. Organise. Budget. #POB

Because financial freedom starts with intentional decisions!

#BlackFriday #SmartSpending #LetsTalkMoney #FinancialLiteracy #Budgeting #MoneyManagement #PersistentAccounting #SaintLucia

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Let's Talk Money Podcast, provides practical financial advice and expert insights to help individuals achieve financial clarity. Each 10-minute episode covers essential topics like budgeting, debt management, credit, and saving, empowering listeners with the tools needed to take control of their financial future. Hosted by Naomi Jean, a seasoned financial coach with a BBA in Finance and an ...

Bon Fête Kweyòl! Celebrate our culture while learning to build wealth with an intentional financial strategy.

This episode launches our new series, Let's Talk Money. We focus on the practical steps you need to grow your net worth and build long-term security. Whether you are just starting your journey or looking to refine your approach, this series gives you the tools to manage your personal finance goals with confidence.

Cultural celebration and financial discipline go hand in hand. By applying sound wealth building principles, you can create a legacy that lasts for generations. We'll show you how to align your daily habits with your broader financial planning objectives for steady, sustainable growth.

Subscribe for weekly financial strategy breakdowns, and comment below with one step you are taking this month to improve your money management.

Hey, can you leave me a review? Watch this video to know how: https://youtu.be/81JsYEqfL04?si=FaT9UAxiiezSnRMN

Here is how to Rate, Review, & Follow on Apple! Click on the show in Apple Podcasts, and scroll to the bottom of my podcast until you see the five stars! Tap the stars to rate, then select "Write a Review". Thank you!

Don't forget to follow me on Facebook, Linkedin, Youtube and Instagram. Please like and subscribe!

I've got some AWESOME PRODUCTS on my website for you at  https://shop.naomisnumbers.co/

I'm eager to hear your thoughts on this podcast! Your feedback is precious to me. Please share your thoughts by emailing me at [email protected]

Let's Talk Money Podcast, provides practical financial advice and expert insights to help individuals achieve financial clarity. Each 10-minute episode covers essential topics like budgeting, debt management, credit, and saving, empowering listeners with the tools needed to take control of their financial future. Hosted by Naomi Jean, a seasoned financial coach with a BBA in Finance and an ...

2026 IS NOT OVER YET! YOU STILL HAVE TIME TO MAKE FINANCIAL PROGRESS! 🚨💰

We are already in the final quarter of 2026! Have you achieved the financial goals you set at the beginning of the year? Or have unexpected expenses, financial challenges, and everyday responsibilities kept you from staying on track?

Here's your reminder: You don't have to wait until January 2027 to take control of your finances! 💙

In this episode of Let's Talk Money, I share 5 practical financial moves you can make before 2026 ends to help you reflect, refocus, and prepare for a financially stronger 2027.

Hey, can you leave me a review? Watch this video to know how: https://youtu.be/81JsYEqfL04?si=FaT9UAxiiezSnRMN

Here is how to Rate, Review, & Follow on Apple! Click on the show in Apple Podcasts, and scroll to the bottom of my podcast until you see the five stars! Tap the stars to rate, then select "Write a Review". Thank you!

Don't forget to follow me on Facebook, Linkedin, Youtube and Instagram. Please like and subscribe!

I've got some AWESOME PRODUCTS on my website for you at  https://shop.naomisnumbers.co/

I'm eager to hear your thoughts on this podcast! Your feedback is precious to me. Please share your thoughts by emailing me at [email protected]

Let's Talk Money Podcast, provides practical financial advice and expert insights to help individuals achieve financial clarity. Each 10-minute episode covers essential topics like budgeting, debt management, credit, and saving, empowering listeners with the tools needed to take control of their financial future. Hosted by Naomi Jean, a seasoned financial coach with a BBA in Finance and an ...

Can you believe it has been 2 years? 🥳 In this special anniversary episode of Let's Talk Money, Financial Strategist Naomi Jean reflects on the incredible journey from starting on the radio to building a thriving YouTube platform right from her own space. Whether you're joining us from Saint Lucia, across the Caribbean, or anywhere around the world, this episode is a celebration of financial confidence, community, and consistency. Tune in as we revisit our foundational principles (Plan. Organise. Budget.) and Naomi's 4 Keys to Success: Gratitude, Contentment, Faith, and Discipline!

Hey, can you leave me a review? Watch this video to know how: https://youtu.be/81JsYEqfL04?si=FaT9UAxiiezSnRMN

Here is how to Rate, Review, & Follow on Apple! Click on the show in Apple Podcasts, and scroll to the bottom of my podcast until you see the five stars! Tap the stars to rate, then select "Write a Review". Thank you!

Don't forget to follow me on Facebook, Linkedin, Youtube and Instagram. Please like and subscribe!

I've got some AWESOME PRODUCTS on my website for you at  https://shop.naomisnumbers.co/

I'm eager to hear your thoughts on this podcast! Your feedback is precious to me. Please share your thoughts by emailing me at [email protected]

Let's Talk Money Podcast, provides practical financial advice and expert insights to help individuals achieve financial clarity. Each 10-minute episode covers essential topics like budgeting, debt management, credit, and saving, empowering listeners with the tools needed to take control of their financial future. Hosted by Naomi Jean, a seasoned financial coach with a BBA in Finance and an ...

Thinking about investing your hard-earned money? Before you take the leap, make 5 critical financial checks to protect your capital and ensure your investments pay off. 

In this episode of Let's Talk Money, Financial Strategist Naomi Jean breaks down a step-by-step checklist that every investor, beginner, or business owner should review before committing funds. From verifying regulated providers to tracking real return sources and managing risk, this guide helps you avoid costly mistakes and build long-term wealth with confidence.

Hey, can you leave me a review? Watch this video to know how: https://youtu.be/81JsYEqfL04?si=FaT9UAxiiezSnRMN

Here is how to Rate, Review, & Follow on Apple! Click on the show in Apple Podcasts, and scroll to the bottom of my podcast until you see the five stars! Tap the stars to rate, then select "Write a Review". Thank you!

Don't forget to follow me on Facebook, Linkedin, Youtube and Instagram. Please like and subscribe!

I've got some AWESOME PRODUCTS on my website for you at  https://shop.naomisnumbers.co/

I'm eager to hear your thoughts on this podcast! Your feedback is precious to me. Please share your thoughts by emailing me at [email protected]

Let's Talk Money Podcast, provides practical financial advice and expert insights to help individuals achieve financial clarity. Each 10-minute episode covers essential topics like budgeting, debt management, credit, and saving, empowering listeners with the tools needed to take control of their financial future. Hosted by Naomi Jean, a seasoned financial coach with a BBA in Finance and an ...

Why I started Let's Talk Money and where we are heading next. Join me as we reflect on our journey and community progress.

In this update, I am reflecting on the origins of Let's Talk Money and the milestones we have reached together. It is a chance to look back at why I started this channel and how our community has evolved over time.

We'll also discuss our future direction and how we can keep supporting your journey toward better financial literacy. Whether you are new here or have been following along for a while, understanding the foundations of personal finance is essential for long-term success. I look forward to sharing more insights on effective money management as we grow together.

Subscribe for weekly finance breakdowns, and comment below with what you want to see next.

Hey, can you leave me a review? Watch this video to know how: https://youtu.be/81JsYEqfL04?si=FaT9UAxiiezSnRMN

Here is how to Rate, Review, & Follow on Apple! Click on the show in Apple Podcasts, and scroll to the bottom of my podcast until you see the five stars! Tap the stars to rate, then select "Write a Review". Thank you!

Don't forget to follow me on Facebook, Linkedin, Youtube and Instagram. Please like and subscribe!

I've got some AWESOME PRODUCTS on my website for you at  https://shop.naomisnumbers.co/

I'm eager to hear your thoughts on this podcast! Your feedback is precious to me. Please share your thoughts by emailing me at [email protected]

Let's Talk Money Podcast, provides practical financial advice and expert insights to help individuals achieve financial clarity. Each 10-minute episode covers essential topics like budgeting, debt management, credit, and saving, empowering listeners with the tools needed to take control of their financial future. Hosted by Naomi Jean, a seasoned financial coach with a BBA in Finance and an ...

Should you give your child full access to their adult bank account? Learn how to navigate this transition and protect their future.

Moving a child from a minor account to an adult credit union account is a major milestone in parenting through finance. This episode outlines the practical steps parents should take to help their children prepare for true financial independence. We examine the risks of joint access and the benefits of teaching young adults to manage their own money responsibly.

By establishing clear boundaries, you can help your children start building wealth early while avoiding common pitfalls. These strategies are for parents who want to foster competence rather than hand over control. We focus on balancing the need for oversight with the need to let them learn from their own decisions while managing finances in the real world.

Subscribe for weekly personal finance breakdowns, and comment below with your biggest concern about transitioning your child to an adult account.

Hey, can you leave me a review? Watch this video to know how: https://youtu.be/81JsYEqfL04?si=FaT9UAxiiezSnRMN

Here is how to Rate, Review, & Follow on Apple! Click on the show in Apple Podcasts, and scroll to the bottom of my podcast until you see the five stars! Tap the stars to rate, then select "Write a Review". Thank you!

Don't forget to follow me on Facebook, Linkedin, Youtube and Instagram. Please like and subscribe!

I've got some AWESOME PRODUCTS on my website for you at  https://shop.naomisnumbers.co/

I'm eager to hear your thoughts on this podcast! Your feedback is precious to me. Please share your thoughts by emailing me at [email protected]

Let's Talk Money Podcast, provides practical financial advice and expert insights to help individuals achieve financial clarity. Each 10-minute episode covers essential topics like budgeting, debt management, credit, and saving, empowering listeners with the tools needed to take control of their financial future. Hosted by Naomi Jean, a seasoned financial coach with a BBA in Finance and an ...

Master financial control this school year with practical strategies to manage your budget and build long-term wealth.

As the back-to-school season begins, many families feel pressure from rising expenses. This video offers a clear path toward better money management, helping you balance the excitement of a new academic chapter with the realities of household budgeting. We focus on actionable steps anyone can take to regain control of their finances during busy transitions.

Building wealth requires consistent habits, especially when daily costs fluctuate. By applying these financial control methods, you can reduce stress and ensure your resources are working effectively for your family. We break down how to prioritize spending so you stay on track throughout the academic year without sacrificing your long-term goals.

Subscribe for weekly personal finance breakdowns, and let me know in the comments: What is your biggest money challenge during the school season?

Hey, can you leave me a review? Watch this video to know how: https://youtu.be/81JsYEqfL04?si=FaT9UAxiiezSnRMN

Here is how to Rate, Review, & Follow on Apple! Click on the show in Apple Podcasts, and scroll to the bottom of my podcast until you see the five stars! Tap the stars to rate, then select "Write a Review". Thank you!

Don't forget to follow me on Facebook, Linkedin, Youtube and Instagram. Please like and subscribe!

I've got some AWESOME PRODUCTS on my website for you at  https://shop.naomisnumbers.co/

I'm eager to hear your thoughts on this podcast! Your feedback is precious to me. Please share your thoughts by emailing me at [email protected]

Let's Talk Money Podcast, provides practical financial advice and expert insights to help individuals achieve financial clarity. Each 10-minute episode covers essential topics like budgeting, debt management, credit, and saving, empowering listeners with the tools needed to take control of their financial future. Hosted by Naomi Jean, a seasoned financial coach with a BBA in Finance and an ...

Is your paycheck running out before the month even ends? 🌴 You're not alone. Rising grocery prices, higher electricity bills, and stagnant wages are pushing households across Saint Lucia and the Caribbean to their limits.

In this episode of Let's Talk Money, we go beyond basic budgeting tips to share actionable, day-to-day strategies to help you navigate the cost-of-living crisis with wisdom—not fear.

📌 In this episode, you’ll learn:

• Why you should stop thinking monthly and focus on daily financial decisions.
• What a "Stretch Fund" is and how it protects your emergency savings.
• How to audit your household habits to stop sneaky daily money leaks.
• Simple ways to increase your personal value and earn more long-term.
• How small daily choices build true generational wealth.

Hey, can you leave me a review? Watch this video to know how: https://youtu.be/81JsYEqfL04?si=FaT9UAxiiezSnRMN

Here is how to Rate, Review, & Follow on Apple! Click on the show in Apple Podcasts, and scroll to the bottom of my podcast until you see the five stars! Tap the stars to rate, then select "Write a Review". Thank you!

Don't forget to follow me on Facebook, Linkedin, Youtube and Instagram. Please like and subscribe!

I've got some AWESOME PRODUCTS on my website for you at  https://shop.naomisnumbers.co/

I'm eager to hear your thoughts on this podcast! Your feedback is precious to me. Please share your thoughts by emailing me at [email protected]

Let's Talk Money Podcast, provides practical financial advice and expert insights to help individuals achieve financial clarity. Each 10-minute episode covers essential topics like budgeting, debt management, credit, and saving, empowering listeners with the tools needed to take control of their financial future. Hosted by Naomi Jean, a seasoned financial coach with a BBA in Finance and an ...

Can you really build generational wealth if you aren't making a high income? The truth is, building a lasting financial legacy isn't just about how much you earn—it's about intentional decisions, smart habits, and managing what you have.

In this episode of Let's Talk Money, Naomi Jean breaks down how ordinary people can break financial cycles and change the future for their entire family.

In this video, you’ll learn:
Why building wealth starts with intention, not a massive salary.
Practical strategies to give every dollar a job and stop money from disappearing.
How to leverage personal relationships and upskilling to increase your earning power.
The power of passing down financial literacy to the next generation.


Every strong legacy starts with a single step. Watch to learn how one person choosing to plan, organize, and budget today can transform tomorrow.

Building generational wealth is possible even when you are barely making ends meet. Learn how to navigate financial obstacles today.

Many people feel stuck because low-paying jobs and family obligations consume every dollar they earn. This discussion focuses on the harsh reality of trying to save for the future while managing immediate survival needs. It is designed for anyone feeling overwhelmed by their current economic situation but determined to create a different path for their family.

We explore the specific barriers that prevent people from building wealth and how to start planning despite limited disposable income. By acknowledging these challenges directly, you can begin to make small shifts in your personal finance strategy that add up over time. This video offers a realistic perspective on money management tips for those starting from a place of scarcity rather than abundance.

Subscribe for weekly personal finance breakdowns and comment below with your biggest obstacle to saving money.

If this message encouraged you today, please click the Like button to help YouTube share it with others who need to hear it. Subscribe to the channel for weekly, practical money insights, and leave a comment below letting me know: What is one financial habit you're choosing to start this week? Don't forget to share this episode with a friend or family member who is on their journey to building a better financial future!

#GenerationalWealth #FinancialLiteracy #Budgeting #PersonalFinance #LetsTalkMoney

Hey, can you leave me a review? Watch this video to know how: https://youtu.be/81JsYEqfL04?si=FaT9UAxiiezSnRMN

Here is how to Rate, Review, & Follow on Apple! Click on the show in Apple Podcasts, and scroll to the bottom of my podcast until you see the five stars! Tap the stars to rate, then select "Write a Review". Thank you!

Don't forget to follow me on Facebook, Linkedin, Youtube and Instagram. Please like and subscribe!

I've got some AWESOME PRODUCTS on my website for you at  https://shop.naomisnumbers.co/

I'm eager to hear your thoughts on this podcast! Your feedback is precious to me. Please share your thoughts by emailing me at [email protected]

Let's Talk Money Podcast, provides practical financial advice and expert insights to help individuals achieve financial clarity. Each 10-minute episode covers essential topics like budgeting, debt management, credit, and saving, empowering listeners with the tools needed to take control of their financial future. Hosted by Naomi Jean, a seasoned financial coach with a BBA in Finance and an ...