The Clever Girls Know Podcast With Bola Sokunbi

New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to pre-order now
If you're overwhelmed by credit card debt or behind on payments, negotiating with your creditors can make a real difference.
On this episode, I walk you through how to confidently talk to your creditors, lower your interest rates, reduce monthly payments, and request temporary relief.
WHAT YOU'LL LEARN:
What to say (including a sample script)
What to ask for: lower rates, waived fees, hardship options
What to avoid saying on the phone
How to escalate when you're told "no"
How to work with a nonprofit credit counselor
How to protect your credit score during negotiations 
AND SO MUCH MORE
Even if you're already behind, it's not too late. You can do this.
 
More Clever Girl Finance Resources:
❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe
❤ 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: @clevergirlfinance

New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to pre-order now
Today, I'm breaking down 3 easy, beginner-friendly ways to invest outside the stock market.
Whether you're nervous about stock volatility or just want to explore other options, there are smart, accessible paths to build wealth that don't require buying shares. 
WHAT YOU'LL LEARN:
How to invest in your own business or side hustle
Ways to grow your money with real assets (without buying a house!)
Long-term investments that create lasting peace of mind and impact And more! 
AND SO MUCH MORE
This video is for you if, you're looking to diversify how you build wealth or you're curious about low-barrier ways to grow your money!
 
More Clever Girl Finance Resources:
❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe
❤ 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: @clevergirlfinance

New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to pre-order now
A lot of people think budgeting only works with a steady paycheck.If your income changes month to month (freelance, commissions, motherhood seasons), this episode breaks down the only approach that actually worked for me.
On this episode of the podcast, I'm breaking down how to budget when life keeps changing and your income isn't consistent. You'll learn practical, flexible budgeting strategies that help you stay in control of your money, even when your paycheck isn't predictable.
WHAT YOU'LL LEARN:
How to create a baseline (bare‑bones) budget
Why you should budget based on your lowest income months
How to use a buffer account to smooth out income swings
How to prioritize spending when money is tight
Why sinking funds are essential for unpredictable expenses
How to automate your finances without creating stress
How to stay consistent, even when your income isn't
Inconsistent income doesn't mean inconsistent progress. With the right systems and mindset, you can build stability, reduce anxiety, and make steady financial progress, no matter how much you earn each month.
 
More Clever Girl Finance Resources:
❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe
❤ 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: @clevergirlfinance

❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe
On this episode of the podcast, we're joined by Dr. Paris Woods, bestselling author, financial educator, and founder of Freedom Unlimited LLC, for an inspiring conversation about helping students start early and build wealth.
Known for her breakout book The Black Girl's Guide to Financial Freedom, Paris returns with her newest release, The Student's Guide to Financial Freedom, written to empower first-gen, low-income, and BIPOC students with the tools they need to make confident money decisions early in life.
With a background in education and a passion for equity, she breaks down the money myths young people face, offers actionable advice for avoiding common financial traps, and shares how students can lay the foundation for long-term financial success, starting right now.
 
What Dr. Paris Woods Discussed on the Podcast:
Her mission to help young people build financial freedom and what inspired her to focus on student audiences.

What led to the creation of The Student's Guide to Financial Freedom as a follow-up to her bestselling book.

Gaps in traditional financial education and how her book fills them for first-gen, low-income, and BIPOC students.

Why it's crucial for students to start learning about money in high school or college.

Small but impactful steps students can take now to begin building financial independence.

Common money myths and traps to avoid, especially around student loans and credit cards.

How her book helps students who don't see themselves reflected in traditional financial advice feel seen and supported.

Ways parents, educators, and mentors can support students in becoming financially confident early on.

One lesson or habit every student should adopt to set themselves up for lifelong financial freedom.

AND SO MUCH MORE
 
How to Keep Up With Dr. Paris Woods:
Website: pariswoods.com

Instagram: @authorpariswoods

TikTok: @authorpariswoods

Facebook: Author Paris Woods

YouTube: Author Paris Woods Channel

 
More Clever Girl Finance Resources:
❤ 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: @clevergirlfinance

New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to pre-order now
Struggling to budget because you feel like you don't have enough money? You're not alone, and this is exactly when budgeting matters most.
On this podcast episode, I'm walking you through how to budget when you have no money using 8 practical steps that will help you take control, reduce stress, and create a financial plan even if you're starting from zero (or less). Whether you're dealing with debt, inconsistent income, or just feel like you're stuck, this episode is for you.
WHAT YOU'LL LEARN:
How to assess your finances when you're broke

How to create a bare-bones budget that helps you survive and rebuild
Ways to cut expenses fast without shame
Simple strategies to track small wins and increase your income
How to stay consistent, even when progress feels slow
Budgeting isn't just about dollars, it's about direction. The sooner you get a handle on what's coming in and going out, the sooner you can create a plan to move forward. Even if all you have is $5, this episode will show you how to make it work for you.
 
More Clever Girl Finance Resources:
❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe
❤ 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: @clevergirlfinance