The Clever Girls Know Podcast

At the height of the 2008 recession, Andrea Ewalefo became a single mom, and with a 20-month-old to care for and no job. But something was different; Andrea had recently received financial education and training and knew what she needed to do to overcome the odds. Despite living on about $1750/mo for over 6 years, Andrea never missed a payment, kept her credit score in the mid 600s, and even opened investment accounts for her and her son. Now, Andrea is about to graduate with a JD/MBA, and with a new career and increased salary, she has created a plan to become a millionaire and financially independent in the next 10 years. Andrea believes in paying it forward, and she has committed to teaching other women how to be their own CFOs through Modern Lady Vibes, a community created to redefine what it means to be a lady in the 21st century by teaching independence, financial literacy, and business sense. WHAT WAS DISCUSSED: 1. Her experience of becoming a single mother with no job in the middle of the 2008 recession including the financial and emotional impact. 2. How she got interested in financial literacy and financial wellness 3. How she lived on about $1750/mo for over 6 years, never missing a payment 4. How she started investing for her son on that same income 5. Her plan to become a millionaire in the next 10 years AND MUCH MORE HOW TO KEEP WITH ANDREA - Via her website at https://modernladyvibes.com - On Instagram and YouTube at modernladyvibes ❤ 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

After being told a student loan was 'good debt' Vicki took her first loan and then went on to get credit cards and store cards and ended up owing over $70,000 (£50,000). She slowly dug herself out of debt by working endlessly and starting her own business. In this episode, Vicki shares her journey to debt freedom and navigating life after losing her dad, who was invaluable on her journey. WHAT WAS DISCUSSED - What led Vickii to her “enough is enough moment” - The types of debts she owed and their associated interest rates - How she managed emotionally with the loss of her - What she did specifically to pay off her debt - How she decided to start her own business and how she navigated the fears around having an inconsistent income initially and much more HOW TO KEEP UP WITH VICKI - Via her website: https://inside-liverpool.co.uk/ - Via Instagram: https://www.instagram.com/insidel1verpool/ ❤ 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

I'm sharing two super exciting updates today! Be sure to tune 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

On today's episode, Catherine Alford joins me to discuss how moms can prioritize their financial wellness. Catherine is a nationally recognized financial educator who started her business with a $10 domain name and grew it into a multifaceted, six-figure digital media company. She is the creator of www.CatherineAlford.com, the co-founder of www.MillennialHomeowner.com, and the author of the book Mom's Got Money: A millennial mom's guide to managing money like a boss. Through her work, she offers a suite of digital products and services include financial writing, public speaking, and influencer marketing all with the goal of helping women become more financially confident. Over the years, her writing and expertise have been featured in dozens of media outlets including Good Morning America, Yahoo Finance, Forbes, U.S. News and World Report, Real Simple, The Huffington Post, Kiplinger, Investopedia, Business Insider, and many more. She currently lives just outside of Detroit, Michigan with her husband, their boy/girl twins, and a rescue dog named Julep. WHAT WAS DISCUSSED: - What a mom's role should be when it comes to family finances - How a mom can go about managing or taking the lead with household finances - How to balance childcare vs career and still remain objective about long-term financial goals and much more! HOW TO KEEP IN TOUCH WITH CATHERINE: - Instagram @catherinecalford instagram.com/catherinecalford - Facebook facebook.com/catherinecalford - Twitter: https://twitter.com/catcalford  ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages/ ❤ Check out our best-selling books: clevergirlfinance.com/books ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: instagram.com/clevergirlfinance

Today’s podcast is all about what to do with money once you get to the other side of debt and financial coach Mrs. Miller is here to share her own personal experience! Mrs. Miller is a Latina and native New Yorker. She is a first-generation college graduate and daughter of an immigrant who is on the FIRE (Financial Independence, Retire Early) journey along with her husband. In her 20s she was a high-income earner yet living paycheck to paycheck. Today she's on her way to being financially independent in 4 years. She is also the founder of Financially Thriving where she helps high-achieving women who feel overwhelmed by the thought of Budgeting, Saving, and Investing. She's the financial coach for women who need help balancing what they want today without forfeiting what they'll need in the future. WHAT WAS DISCUSSED: * How she started her financial journey including her motivation to become debt-free * What compelled her to focus on saving and investing after becoming debt-free * How she has managed feeling guilty and wealth shaming * The specific steps she’s taken so far to save
And so much more HOW TO KEEP UP WITH MRS MILLER: Instagram: @mrsmilleronfire Website: millersonfire.com ARTICLE MENTIONED: https://www.clevergirlfinance.com/blog/how-to-reduce-your-taxable-income/ ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages/ ❤ Check out our best-selling books: clevergirlfinance.com/books ❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog ❤ Follow us on Instagram: instagram.com/clevergirlfinance

Did you know that being a people pleaser can completely derail your finances? Plus you may be "people-pleasing" without even realizing it. In this episode, learn how you can identify when you are people-pleasing as well as key tips on how to act differently! ❤ 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

This episode is brought to you by Fannie Mae and covers key mortgage and rent relief options you need to know about. Millions of Americans are financially impacted by the COVID-19 crisis. You or someone you know has likely been impacted economically by COVID-19 through a furlough, job loss, or a business closure – all of which leads to an inability to partially or fully pay the mortgage, rent and other bills. And so on this episode, we partnered with Fannie Mae to highlight and share the various relief options if you are having trouble paying your mortgage or rent. For more information, please visit the Here to Help website: https://bit.ly/38vTBGY You can also call the Disaster Relief Network at 877-833-1746

On today’s episode, Nana Eyeson-Akiwowo has a candid conversation with me on the journey to starting and growing her business! Nana is the co-founder of Fourth Phase aftercare boxes, a social entrepreneur, and seasoned humanitarian with a strong commitment to advocating adequate and accessible health care for all under-resourced women, children, and families. Created by moms for moms, the Fourth Phase afterbirth care box helps mothers heal, feel, and be heard and each box is curated with a new mother’s physical and emotional recovery in mind. WHAT WE DISCUSSED: * Why Nana chose to start a business focused on postpartum care * What’s been most challenging in getting her business off the ground * How she found her co-founder and the dynamics of their relationships. * Her proudest business moments * Advice she would give up and coming entrepreneurs KEEP UP WITH NANA: Via her website - https://www.fourthphasebox.com/ Via Instagram - https://www.instagram.com/fourthphasebox/ ❤ 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

Today on the Clever Girls Know Podcast, our Head of Customer Experience here at Clever Girl Finance Esther Bangura joins me to have a conversation on how we are managing our money and lives in general as we continue to navigate life in a global pandemic. WHAT WE DISCUSSED: - Our current concerns about the economy - Some of the things we are doing for our finances in 2021 and beyond - Whether the pandemic has changed our financial goals - What we are doing for mental health and wellness AND MORE ❤ 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 ❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books

Have you ever taken a serious look at your spending and noticed any trends or habits you weren't too happy about? Well in this episode, I'm sharing the tops ways we waste money and tips to combat this wastefulness that will hopefully help you reduce overspending and save some 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

Today, on the podcast we are talking about overcoming lack and scarcity mentalities and embracing abundance! To have this conversation, my special guest is Dr. Chavonne Perotte. Dr. Chavonne Perotte is a life and marriage coach who helps women and couples develop the mindset to create happy marriages. She is also a trained as a social science researcher. She received her doctorate from the Johns Hopkins Bloomberg School of Public Health and focused her research on communication and intimate partnerships. She is the author of Voices in Your Ear: New Conversations to Transform Your Mind and Renew Your Marriage and is the Founder of RelateAble, LLC. a coaching practice that provides private coaching to clients all over the world. WHAT WAS DISCUSSED: * How having a lack/scarcity mentality can be defined and identified * Chavonne's personal experience a lack mentality * How having a lack mentality impacts relationships, marriages, friendships, etc * How to overcome having a lack/scarcity mentality * How to go about embracing abundance without guilt AND MUCH MORE HOW TO KEEP UP WITH CHAVONNE: Website: drchavonne.com Podcast: Love Marriage Again with Dr. Chavonne Instagram: chavonneperotte ❤ 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

In today’s episode, Olivia Summerhill joins me to discuss how to avoid the money conflicts that lead to divorce. Olivia has been in finance for almost a decade, growing up with a family devastated by divorce and wealth. She decided to get into finance to control her future and found a niche after working with women going through divorce. Today, Olivia works with women to help them navigate divorce, protecting their lifestyle throughout the divorce process. She works closely with her clients’ divorce mediators to negotiate the most advantageous settlements. After the divorce finalization, Olivia uses her knowledge of behavioral finance to work with her clients on topics relating to a divorce’s impact. Specifically, on psychological behaviors such as self-awareness, money patterns, and effective financial decision-making, her female clients can control and maintain their living standards. WHAT WAS DISCUSSED ON THE EPISODE: * How divorce impacted Olivia growing up
 * The major money conflicts that can lead to divorce
 * The types of behaviors that tie into financial conflict
 * Advice for couples to minimize financial conflicts from escalating into divorce
AND MUCH MORE KEEP IN TOUCH WITH OLIVIA: Learn more about her resources and services: at https://summerhillwealth.com Listen to her podcast, Divorce for wealthy women via https://anchor.fm/summerhillwealth ❤ 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

Bevin Morgan is a Financial Wellness Coach who specializes in helping Black female entrepreneurs and creators gain confidence in their financial futures. She has been passed over for promotions and is intimately familiar with being stuck in jobs where the responsibility seems to increase while the salary never does. She has started and failed at more businesses than she can count but has used that experience to find her passion. Through all of that, she has become completely debt-free and has started her journey in real estate investing. WHAT WAS DISCUSSED ON THIS EPISODE: * How Bevin became debt-free * Why she decided to invest in real estate * How she prepared to purchase her first unit * How she determined profitability on her first investment * How she manages rent collection, cash flow, and repairs * The issues and challenges she’s faced * and more THE RESOURCE BEVIN MENTIONED: biggerpockets.com HOW TO KEEP IN TOUCH WITH BEVIN: Via IG @bevinmorgan On her website: Bevinmorgan.me ❤ 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: https://clevergirlfinance.com/course-packages/ ❤ Read the Clever Girl Finance Blog: https://clevergirlfinance.com/blog ❤ Follow us on Instagram: http://instagram.com/clevergirlfinance

On today's episode, Dannie Vann shares how she navigated a divorce and getting herself back on her feet financially all in the same year. She went from not having a bed when she moved out to finding a better paying job, negotiating her income, getting her own place, and finding emotional peace. MORE ABOUT DANNIE Dannie is the founder of Penniestowealth.com, a financial coach, and a Certified Financial Education Instructor (CFEI). In 2 years, she eliminated over $130k in debt and has helped guide her audience to financial freedom. She educates her online “Wealthy Fam” on budgeting, investing, and frugal living tips while sharing the high and lows of her own financial journey. WHAT WAS DISCUSSED: How Dannie navigated getting divorced and saving $60k all in the same year How she managed the emotions and mental health of navigating her divorce and finances through a pandemic How she went about saving $60,000 Her key advice for women going through a similar journey AND MUCH MORE KEEP UP WITH Dannie Instagram/Twitter: @penniestowealth Website: penniestowealth.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: https://clevergirlfinance.com/course-packages/ ❤ Read the Clever Girl Finance Blog: https://clevergirlfinance.com/blog ❤ Follow us on Instagram: http://instagram.com/clevergirlfinance

Today, my guest Tara Jones-Williamson is sharing her journey to paying off $60k in 2 years as a single mother! Tara is a feminine Financial Success Coach and Lifestyle Designer who is dedicated to helping women slay their financial and lifestyle goals. Over 10 years ago, she created and executed a plan that allowed her to press reset and go from financial struggle and failure to financial success and freedom. With her daughter on her lap, she paid off over $60,000 of debt as a single mother. She then launched Your Pretty Pennies, an online financial lifestyle brand, where she educates and empowers women to move from making poor financial choices to using their income to manifest their best lives. WHAT WE DISCUSSED: - Why Tara decided to create a plan to help her reset and pursue financial success and the aha moment that caused that decision - How she managed to do it on just a single income - The specific things she did to pay off the debt - The lessons she's you teaching your daughter today about money and financial wellness AND MUCH MORE KEEP UP WITH TARA On Instagram: @yourprettypennies Via her website at www.yourprettypennies.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: https://clevergirlfinance.com/course-packages/ ❤ Read the Clever Girl Finance Blog: https://clevergirlfinance.com/blog ❤ Follow us on Instagram: http://instagram.com/clevergirlfinance