The Clever Girls Know Podcast With Bola Sokunbi

Have you ever looked at your finances from a scientific perspective? Well, My guest today is Dr Maria James and she is founder of pocketofmoney.com. Not only is she a real life scientist (you'll hear us talk about her amazing career on this episode) but she is also a money scientist who provides financial advice for professionals and entrepreneurs. In this episode, we dig into how to look at your finances objectively from a scientific perspective and Maria also shares her personal money story with us too. We also talk about emotions and money, overcoming financial challenges and key things that we as women need to be doing for our long term financial success and you'll also learn about one of my very odd money tendencies lol. Keep up with Maria via her site at PocketofMoney.com Check out Maria's non profit: http://hwhn.org Find her on all social media under the handle @PocketOfMoneyLLC Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

I'm excited to share this fun conversation I had with Sarah Webb, the COO and primary finance contributor for PlaidForWomen.com. In this episode we discussed: - What you should you do when you pay off your debt - How you can determine how much you need for retirement - Sarah's experience working with high net worth individuals and high income earners, their characteristics, her observations and that time she had to file a 55 million dollar tax return! Quick Note: Also on this episode I talk about being offered an ARM mortgage which is an Adjustable Rate Mortgage which is is a home loan with an interest rate that can change periodically. You can keep up with Sarah at https://www.plaidforwomen.com and also listen to her amazing podcast on the website as well. For the books, tools and resources mentioned in this episode, visit the main show notes page here: https://www.clevergirlfinance.com/podcast-episodes/podcast-episode-49-high-net-worth-vs-high-income-a-55-million-tax-return-more-with-sarah-webb If you haven't already, be sure to subscribe to the Clever Girl Finance Podcast on iTunes, SoundCloud or Stitcher. Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

Budgeting on an inconsistent income can be tough especially because it's hard to plan. For example, if you are self employed or work as a freelancer or a contractor, your income is dependent on how much work you do but sometimes it's not always easy to determine what your actual income will look like at the end of each month. When it comes to budgeting on an inconsistent income, the best way to approach it is with a strategy that will allow you to be successful with managing your money and on this episode I share just how you can do it. Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

On this episode Molly shares her story to debt freedom, how her debt spiraled out of control shortly after the death of her mother and the incredibly emotional journey she embarked on to become debt free. She talked about her depression, the associated guilt, shame, self judgement and isolation that she felt, what it took to fully disclose her financial situation to her now husband and how her faith brought her through it all. You can keep up with Molly by visiting her website at http://www.stillbeingmolly.com/ You can also listen to her amazing business podcast over at http://businesswithpurposepodcast.com/ And be sure to follow her on Instagram at https://www.instagram.com/stillbeingmolly/ Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

This episode is for all the Clever Girl entrepreneurs out there (and the aspiring ones too). I had the pleasure of speaking with business strategist and finance expert and the founder of LatishaStyles.com and Youngfinances.com/tv. On this episode we talked about what it takes to start, fund and grow your side hustle and how to transition from being a part time business owner to being a full time business owner. LaTisha also shared her own personal story and how she got into business. -- You can keep up with LaTisha on her websites mentioned above and also on Facebook @LatishaTv For the books, tools and resources mentioned in this episode, visit the main show notes page here: https://www.clevergirlfinance.com/podcast-episodes/podcast-episode-46-what-it-takes-to-build-a-successful-full-time-business-with-latisha-styles If you haven't already, be sure to subscribe to the Clever Girl Finance Podcast on iTunes, SoundCloud or Stitcher. Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

You've probably heard about the major security breach that took place with Equifax recently right? Well in the event that your financial information is compromised as a result of a security breach, there are some key things you need to do to minimize the impact and protect yourself from potential credit fraud and identity theft and I'm taking through them on this quick episode. They are as follows: 1. Check your credit: As mentioned in this episode, you can get your free credit report at https://www.annualcreditreport.com 2. Consider credit monitoring or a credit freeze: You can get credit monitoring or a freeze on your credit directly from each of the 3 major credit bureaus - Equifax, Experian & Transunion - on their websites. You can also get credit monitoring independently from companies like myfico.com, creditkarma.com, creditsesame.com etc 3. Change any online passwords and pins associated your financial information Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

Ever wondered what the best way to save is or what my favorite savings account is? I had a great conversation with Erica Amatori from RizeMoney.com where we talked about all things savings as well as her personal experience with money and if she really lives what she preaches as an employee of a finance company! Erica was also kind enough to give some awesome freebies to you, my amazing listeners that you'll find below. Enjoy listening! Download the free eBook: Adulting 101 - Growing up is hard, personal finance shouldn't be - http://bit.ly/2fDp4vr Get a free $5 to jumpstart your savings goals: http://rize.grsm.io/Bola ** Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

On today's episode, I had a great conversation with my guest Canna Campbell of the amazing YouTube channel, Sugar Mamma TV, and we talked about investing and how she uses it to generate passive income, minimalism and the impact it had on her life, luxury shopping and how to avoid feeling guilty as well as her amazing $1000 project that she has going on. I loved this conversation with Canna because we share a lot of the same values and I'm a huge fan of her YouTube channel that you can find here - http://bit.ly/2ymG3db To learn more about her $1000 project and what's she's investing in, stop by her website at http://sugarmamma.tv/the-1000-project/ and you can find her on Instagram at https://www.instagram.com/sugarmammatv Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

Having the right mindset is essentially the foundation of your financial success and on this episode, I talk through why your mindset matters and how you can continuously work on a positive and focused state of mind so you can achieve your money (and life) goals. Because having the right mindset makes all the difference when it comes to whether you accomplish your money goals or not. Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com

On today's episode, my guest Jamila, takes us through how she was able to save $85k in a single year, her plans to retire early, how have finances have not always been perfect and what you need to be doing to accomplish the money goals you have set for yourself. To keep up with Jamila, stop by her website at http://journeytolaunch.com, follow her on Instagram at https://instagram.com/journeytolaunch and subscribe to her podcast "Journey to Launch" anywhere you listen to your podcasts! Do you follow Clever Girl Finance on Instagram yet? You should! https://www.instagram.com/clevergirlfinance Ready to get accountable? Join the Clever Girl Finance Accountability Program over at https://www.clevergirlfinanceacademy.com