What if you gave yourself just 6 months to completely transform your life? This podcast episode is your reminder: you don’t have to wait for a Monday, a new month, or a new year. The time to commit to your goals—your health, your money, your mindset—is right now.

In this step-by-step guide, I’m sharing how to block out distractions and go all-in on becoming the best version of yourself in just six months. Whether you’re focused on your finances, your career, your wellness, or all of the above—this is your transformation blueprint.

You'll learn how to :

• 💪 Transform Your Mind & Body
• 💰 Level Up Your Finances
• 📈 Advance Your Career or Business

✅ Your 6-Month Transformation Plan = No More Waiting

This is your permission to go ghost on the distractions and go all-in on YOU. The next six months are about showing up for yourself, staying consistent, and committing to the growth you’ve always wanted!

❤ 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 this episode you'll learn about 7 common influencer scams you need to avoid—from fake passive income promises to overpriced coaching programs that teach you nothing. These scams are everywhere on social media, and if you’re not careful, they can cost you time, money, and your trust. Tune in to learn how to avoid falling for them!

❤ 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, Dasha Kennedy discusses how to build financial security no matter your income!

Dasha is a financial activist, speaker, and the author of Moving Beyond Broke. As the founder of The Broke Black Girl, she has built a digital community that provides real, relatable financial education for Black women navigating money with limited resources, systemic barriers, and real-life responsibilities.

Through her work, Dasha challenges outdated personal finance advice, centering economic justice and financial healing. Her upcoming book, Moving Beyond Broke, explores the emotional and financial realities of starting over, rebuilding wealth, and redefining financial success outside of hustle culture.

With a background in finance and lived experience as a single mother overcoming financial hardship, Dasha brings a raw and honest perspective to money conversations. Her mission is simple: to help Black women move beyond shame, take control of their finances, and build the future they deserve.

WHAT DASHA DISCUSSED:

1. What inspired her to start The Broke Black Girl
2. Why she believes financial literacy is a human right
3. Breaking the stigma around the word “broke” and instead seeing it as a temporary phase rather than a label
4. Why financial security isn’t just for the wealthy
5. Practical ways parents can set their children up for success
6. Tips to start rebuilding after a financial setback

And so much more!

HOW TO KEEP UP WITH DASHA:

• Via her website: www.thebrokeblackgirl.com
• Instagram: @TheBrokeBlackGirl
• Twitter/X: @BrokeBlackGirl_

❤ 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

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:

• 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