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

Financial freedom doesn’t have to feel overwhelming! 💡 In this episode, I’m sharing a simple 5-step roadmap to help you achieve security, independence, and the freedom to live life on your terms. Ready to take control of your financial journey? 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

Ready to feel lighter, less stressed, and more in control of your money? 💸 Let’s dive into 5 things to let go of this year starting today!

Learn how to declutter your finances, eliminate stress, and free up your cash flow by saying goodbye to what no longer serves you!

❤ 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 today’s episode, Lauren Berty joins us to discuss key tips for monetizing as a social media influencer and what she wishes she knew.

Lauren is a mother, Creative Director, Social Media Strategist, and Content Creator at That Twin Mama, and host of That Twin Mama Podcast! Lauren and her Grammy award-winning husband became twin parents in 2020 with the unexpected birth of their Covid twins who joined their teenage big brother.

With an average monthly reach of millions across multiple social media platforms, the majority of Lauren's audience are moms who seek out her content for realistic portrayals of motherhood that make them feel seen and heard. Lauren inspires through humor and authenticity; working to dismantle the shame, guilt and unattainable idea of "perfection" that society enforces on mothers postpartum.

WHAT LAUREN DISCUSSED:

• Her journey into social media influencing and how she got started.
• The most important first steps for aspiring influencers.
• Strategies for identifying a niche and target audience effectively.
• Ways to start monetizing social media, even with a smaller following.
• The importance of authenticity and building trust with followers.
• Approaching brands for partnerships and key considerations during these interactions.
• Common pitfalls in the influencer industry and how beginners can avoid them.
• Things she wishes she had known before starting her influencing career.
• Tips on managing the business side of influencing, including contracts, finances, and taxes.
• Staying motivated and consistent in a competitive industry.

AND SO MUCH MORE

HOW TO KEEP UP WITH LAUREN:

• Instagram: https://www.instagram.com/thattwinmama_
• Tiktok: Lauren Berty (@thattwinmama_)
• Youtube https://www.youtube.com/@ThatTwinMama
• Website www.thattwinmama.com

❤ 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 today’s episode, Aja Evans joins us to discuss how to untangle your relationship with money for better well-being.

Aja is a Licensed Mental Health Counselor, speaker, and author specializing in Financial Therapy. With over a decade of experience, Aja is determined to help more people break the taboo of keeping money and emotions secret. In addition to her practice, she is also the president-elect on the board of the Financial Therapy Association, consults with FinTech companies, and is the author of Feel Good Finance.

Aja has been featured in a variety of major news outlets including The New York Times, Business Insider, NerdWallet, Time, and Teen Vogue. She is on a mission to get more people engaged in living their best lives while attuning to their thoughts, feelings, and behaviors around money. Outside of work, you can find Aja chasing after her two young children as they hunt down the next delicious place to eat.

WHAT AJA DISCUSSED:

• Why it is often difficult for people to talk about money, even with those closest to them.
• How emotions influence financial behaviors.
• The impact of intergenerational and historical trauma on personal money narratives.
• Feelings of shame or embarrassment about financial situations and advice on overcoming them.
• Steps listeners can take to untangle their relationship with money and improve their financial mindset.
• Psychological reasons behind spending habits and common challenges like overspending or budgeting struggles.
• The role of mental health in financial well-being and how therapy can be a valuable tool.
• Actionable advice on where to focus first when feeling overwhelmed by a financial situation to regain control.

AND SO MUCH MORE

HOW TO KEEP UP WITH AJA:

• All social media: @AjaETherapy
• Website: ajaevanscounseling.com

❤ 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

Tune into this 2025 goal-setting session!

✨ We'll be covering:

•  A review of 2024
• Creating a wealth plan for 2025 
• Key tips for success in the new year

+ MORE

This is going to be a working session so grab your pen and notebook! 📝

❤ Tune into our YouTube channel: https://www.youtube.com/clevergirlfinance

❤ 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 today’s podcast episode,  Adeyinka Adegbenle, excellence strategist, coach, published author, and teacher, shares 5 key principles of excellence to help you win at life.

Through her coaching programs and courses, she has helped many obtain outstanding, measurable results by teaching and equipping them with processes, principles, systems and habits of excellence. She hosts and facilitates leadership workshops and seminars where she teaches about excellence principles and systems that will help them excel in their roles. She is also the host of the Ways of Excellence Podcast on Youtube.

Adeyinka is the author of the highly acclaimed book Joab, King David’s Top General: Essential Lessons on Character Development, and her latest book, Master Excellence: 13 Principles to Help You Win at Life.

She is a graduate of Long Island University, New York, where she received an MBA in international business relations. She also holds a bachelor’s degree from the University of Nottingham, United Kingdom. Adeyinka is a Certified Project Manager (PMI-PMP), and she holds several additional advanced certifications.

Today’s podcast is brought to you by a new sponsor of Clever Girl Finance, say hello to 1440 (fourteen - forty) Topics. We know business and finance news can be overwhelming, but that doesn’t always have to be the case. 1440 has set out to share knowledge from across the internet all in one place and broken down into easy, bite-sized, shareable content. You’ll find the latest on Inflation, The Gig Economy, why college tuition has soared in the 20th century, and more. Go to discover.join1440.com for a knowledge adventure on business and finance, and more!

WHAT ADEYINKA DISCUSSED:

1. What inspired her to focus on excellence as a cornerstone for success in life, including the specific moments and experiences that shaped her perspective.

2. Five essential principles she emphasizes, explaining why these are critical for achieving success in life and personal finance.

3. Her holistic view of financial excellence, going beyond wealth accumulation and stability to include deeper, more meaningful aspects of financial well-being.

4. Actionable advice and habits for those looking to integrate excellence into their daily routines, emphasizing achievable and sustainable changes

AND SO MUCH MORE

HOW TO KEEP UP WITH ADEYINKA:

• Tik Tok: https://tiktok.com/waysofexcellence
• Facebook: https://facebook.com/waysofexcellence
• Instagram: https://instagram.com/waysofexcellence

❤ 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

Learn 5 essential tips to help you navigate holiday expenses, avoid debt, and stay on track with your financial goals—all while enjoying the season. Whether you’re looking to budget smarter, find creative ways to save, or make the most of your holiday spending, this live discussion is for you!

Today’s podcast is brought to you by a new sponsor of Clever Girl Finance, say hello to 1440 (fourteen - forty) Topics. We know business and finance news can be overwhelming, but that doesn’t always have to be the case. 1440 has set out to share knowledge from across the internet all in one place and broken down into easy, bite-sized, shareable content. You’ll find the latest on Inflation, The Gig Economy, why college tuition has soared in the 20th century, and more. Go to discover.join1440.com for a knowledge adventure on business and finance, and more!

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

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

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

❤ Follow us on Instagram: https://instagram.com/clevergirlfinance