Are you wasting money without even realizing it? 💸 SAME. On this podcast episode, I’m breaking down the sneaky ways I was quietly throwing money away—and exactly how I stopped the leaks and started saving hundreds of dollars every single month. Even as a financial expert, life gets busy—and overspending can sneak in. Let’s talk about how to fix it!

❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books

❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages

❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog

❤ Follow us on Instagram: instagram.com/clevergirlfinance

Ready to stop spending on things that don’t matter and start building real wealth? 💸 On this podcast episode, I’m sharing my 2025 Low-Buy Challenge—how I’m cutting back on impulse spending, saving more intentionally, and using that extra money to grow my investments and reach my financial goals.

Whether you’re new to low-buy or want to reset your money habits, this is your sign to take action!

✨ Low-buy isn’t about deprivation—it’s about spending with intention. By making mindful changes, you can break bad money habits, reduce financial stress, and actually enjoy how you're using your money!

❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books

❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages

❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog

❤ Follow us on Instagram: instagram.com/clevergirlfinance

On this podcast episode, Etinosa Agbonlahor shares key tips on how to talk to parents about money.

Etinosa is the author of the book, "How to Talk to Your Parents About Money" a guide to having important financial conversations and she is passionate about helping people improve their financial well-being. She works with organizations to understand the psychology behind financial decisions and uses this knowledge to achieve better results for clients and businesses.

Having lived and worked across the USA, Australia, Africa, and the UK, Etinosa combines academic research with real-world industry solutions.

She also volunteers as a financial coach with LoveInc in Tampa, helping underserved communities build financial skills.

Etinosa hosts the Her First House podcast.

WHAT ETINOSA DISCUSSED:

• The inspiration behind writing How to Talk to Your Parents About Money.
• The challenges adult children face when discussing finances, particularly debt, with aging parents.
• Common fears and concerns parents have when opening up about their financial situation.
• The importance of sensitivity in these conversations, including key dos and don’ts for approaching the topic.
• How family history and cultural background influence money discussions.
• Strategies for keeping financial conversations supportive rather than judgmental.
• The role of “I” statements in easing tension and fostering collaboration.
• Practical ways to introduce financial solutions, such as budgeting tools or professional advisors, without making parents feel pressured.
• Advice for navigating situations where parents are resistant or unwilling to discuss their finances.

AND MUCH MORE.

HOW TO KEEP UP WITH ETINOSA:

• Pick up a copy of her book, How to Talk to Your Parents About Money: https://www.amazon.com/gp/aw/d/B0DQD3LY4F
• Via her website: www.etinosaa.com
• Instagram: https://www.instagram.com/realestatewitheti/
• LinkedIn: https://www.linkedin.com/in/etinosasere/

❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books

❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages

❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog

❤ Follow us on Instagram: instagram.com/clevergirlfinance

On this podcast episode, Shanice Pereira shares how she paid off over $40,000 of student loan and credit card debt.

Shanice is a content creator who is passionate about inspiring others to embrace life through her beauty and lifestyle content.

Professionally, she serves as the Senior Director for Enrollment at Year Up United, a national non-profit empowering young adults. With a background in higher education, she has worked at HBCUs like Lincoln University and Morgan State University to enhance student access.

Outside of her career, Shanice enjoys traveling, reading, and trying new restaurants. She earned her bachelor’s degree in Mass Communications from Lincoln University in Pennsylvania and a master’s in Professional Studies from Towson University.

• Her commitment to becoming debt-free, sparked by the turning point that led her to pay off over $40,000 in debt.
• Her debt payoff strategy, including the methods that worked best for her, details about her income, and the timeline for achieving debt freedom.
• Balancing financial goals with enjoying life, addressing the common fear of sacrificing one’s lifestyle while paying off debt.
• The role of content creation and sharing her journey as a means of staying accountable.
• Financial advice for students and young professionals who are just starting their careers.
• The challenges she encountered on her debt-free journey and how she overcame them.
• The intersection of personal finance with self-care and wellness, especially as it relates to creating beauty and lifestyle content.
• How becoming debt-free has positively impacted her financial confidence and long-term goals.
• Practical advice for anyone feeling overwhelmed by their debt and unsure of where to begin.

AND MUCH MORE

HOW TO KEEP UP WITH SHANICE:

• On social media (IG/TikTok): @ShaniceSwank
• On YouTube: https://www.youtube.com/@ShaniceSwank/videos

❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books

❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages

❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog

❤ Follow us on Instagram: instagram.com/clevergirlfinance

On this podcast episode, Raisa Martin @rvisv founder of stationery company, The Line, joins us to share how she's building her business, and increasing her net worth!

Raisa is a content creator and an entrepreneur. While balancing a full-time 9-5 in the e-commerce industry, she decided to start her own e-commerce brand, The Line, all around stationery and planner tools that elevate the full potential of women around the world.

In 2022, she started her YouTube channel talking all about personal finances and her small business. In just 2 years, she has grown a community of like-minded individuals with a primary focus of personal finances and entrepreneurship.

THE LINE DISCOUNT CODE:

• Raisa has generously offered the Clever Girl Finance audience 10% discount on all purchases made at The Line using the following link:  https://thelineshop.ca/clever-girl10

WHAT RAISA DISCUSSED:

• The inspiration behind starting The Line and the transition into entrepreneurship while working a 9-5.
• Challenges faced in launching an e-commerce brand and strategies used to overcome them.
• Balancing a business, content creation, and a full-time job.
• Strategies for growing The Line and standing out in the competitive stationery and planner space.
• The motivation behind sharing her financial journey on YouTube.
• How financial transparency has helped build trust and connection with her audience.
• Her journey of increasing net worth and the key steps taken to build wealth.
• The role of entrepreneurship in her financial growth.
• Top financial tips for entrepreneurs just getting started.
• The biggest surprises from documenting her business and financial journey online.
• Staying motivated and consistent while growing a business and managing finances.

AND SO MUCH MORE

HOW TO KEEP UP WITH RAISA:

• On Social media: @rvisv
• Via her website: raisamartin.com
• Check out The Line: https://thelineshop.ca/

❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books

❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages

❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog

❤ Follow us on Instagram: instagram.com/clevergirlfinance

Boost Your Credit Score with These 6 Simple Steps! Your credit score impacts everything from getting loans to securing the best rates on a car or home. But improving it doesn’t have to be confusing or overwhelming.

On this podcast, I’ll break down 6 actionable steps to build credit confidence and improve your score, no matter where you’re starting from. Ready to take control of your credit? Let’s dive in!

❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books

❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages

❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog

❤ Follow us on Instagram: instagram.com/clevergirlfinance

Want to make more money this year? Here are 5 actionable strategies to help you boost your income, gain financial security, and achieve your goals faster! Now is the perfect time to take charge of your finances and increase your earning potential.

Whether it’s through starting a side hustle, leveling up in your career, or building new skills, there are plenty of ways to create financial stability and freedom. In this video, I’m breaking down five powerful strategies to help you grow your income this year!

❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books

❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages

❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog

❤ Follow us on Instagram: instagram.com/clevergirlfinance

Shang Saavedra @savemycents is the founder and CEO of Save My Cents, a personal finance education platform that helps Americans learn how to grow their financial wealth by addressing mental health. Shang finished saving for her retirement by the age of 31, and is America's leading expert on retirement.

Her insights have been published by Business Insider, CNBC, Forbes, Fox Business, USA Today, Time / NextAdvisor, Nasdaq, The New York Post, Kiplinger, and she has been named by Time / NextAdvisor as one of The 25 Most Influential New Voices of Money.

Her book, Wealth Is a Mindset, released January 2025 with Third State Books.

WHAT SHANG DISCUSSED:

1. The importance of addressing emotions in financial decision-making.
2. How early experiences, such as childhood memories of scarcity or privilege, shape adult money habits.
3. The spending cycles and common emotional triggers that lead to unhealthy financial behaviors.
4. Practical strategies for replacing emotional spending with healthier habits.
5. Why many people overlook the emotional aspect of money and focus solely on numbers and logic.
6. Steps listeners can take to start rewriting their money story today.

AND SO MUCH MORE

HOW TO KEEP TO UP WITH SHANG:

• Website: https://savemycents.com/ 
• Instagram: https://www.instagram.com/savemycents/ 
• YouTube: https://www.youtube.com/@savemycents 
• LinkedIn: https://www.linkedin.com/in/shangsaavedra/ 
• Goodreads: https://www.goodreads.com/book/show/216282934-wealth-is-a-mindset
• Amazon: https://www.amazon.com/Wealth-Mindset-Change-Your-Money/dp/B0D94QCZL6/
• Bookshop: https://bookshop.org/p/books/wealth-is-a-mindset/21633491

❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books

❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages/

❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog

❤ Follow us on Instagram: instagram.com/clevergirlfinance

On this episode of the Clever Girls Know Podcast, Brittany Futrell shares how she's built a successful hot sauce business despite the odds.

Brittany is the owner of Angel Wing Sauce. She is the first black woman to own a hot sauce business in North Carolina. She created her gourmet hot sauce recipe in 2006 and started selling it in 2015. She is excited to share some details about her entrepreneurial journey!

WHAT BRITTANY DISCUSSED:

• The inspiration behind starting Angel Wing Sauce and the story behind the name.
• Challenges faced as a new entrepreneur starting from scratch.
• Strategies for avoiding high commercial kitchen costs and how she achieved it.
• The significance of being the first Black woman to own a hot sauce business in North Carolina and how it shaped her journey.
• The process of developing her recipes and what sets Angel Wing Sauce apart in the market.
• Key steps taken to bring her business from concept to reality.
• How she funded her business in the early stages and advice for others starting with limited resources.
• Managing challenges like scaling production and building brand awareness as a small business owner.
• Advice for other women, particularly women of color, looking to break into the food industry.

AND SO MUCH MORE

HOW TO KEEP UP WITH BRITTANY:

• Via her website: https://angelwingsauce.com
• Instagram: https://instagram.com/angelwingsauce
• Twitter: https://twitter.com/angelwingsauce
• Facebook: https://facebook.com/angelwingsauce

❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books

❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages/

❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog

❤ Follow us on Instagram: instagram.com/clevergirlfinance

On this episode of the Clever Girls Know Podcast, Nicole Stanley shares how she went from paying off her $30,000 debt to building a network of $250,000 on a $56,000 salary!

Nicole is owner and head money coach at Arise Financial Coaching. Her mission? Shame-free, accessible financial education that empowers women.

As a Latina entrepreneur and personal finance expert, Nicole paid off significant debt and grew her family’s net worth through investing, sparking her passion for helping women build wealth and transform their communities.

Arise Financial Coaching has helped hundreds of women and couples get out of debt, save, and become confident with their money. Nicole and her work have been featured on Good Morning America, Business Insider, Time, ABC News, and more.

WHAT NICOLE  DISCUSSED:

• Her financial situation before beginning her transformation.
• The turning point that motivated her to take control of her finances.
• Approaching significant debt repayment while living on an average salary.
• Her first steps into investing and overcoming fears or uncertainties about it.
• Strategies used to grow her net worth beyond debt repayment and into wealth-building.
• How her cultural background as a Latina entrepreneur influenced her approach to money and wealth-building.
• The role of budgeting and financial discipline in her journey and how she made it sustainable over time.
• Specific steps she recommends for women starting from a similar financial position to build wealth.

AND SO MUCH MORE

HOW TO KEEP UP WITH NICOLE:

• Book a Discovery Call: https://arisefinancialcoaching.as.me/application
• Instagram: https://www.instagram.com/arise.financial.coaching
• Website: https://www.arise.financial
• Threads: https://www.threads.net/@arise.financial.coaching
• TikTok: https://www.tiktok.com/@arisefinancialcoaching

❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books

❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages/

❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog

❤ Follow us on Instagram: instagram.com/clevergirlfinance