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 order now
On this episode of the podcast, we're highlighting a powerful real-life journey from our own community in this special listener interview series.
I'm joined by Odunayo Ajayi, a Technical Program Manager at Microsoft, who shares how she grew her assets from $40,000 to $1 million in just five years. Originally from Akure, Nigeria and now based in New Jersey, Odunayo brings a unique blend of professional experience, faith, and financial discipline to her wealth-building journey.
She opens up about the early mistakes, key turning points, and intentional strategies that helped her build momentum—and ultimately achieve a major financial milestone.
 If you've ever felt behind or unsure where to start, this episode is proof that with clarity, consistency, and the right mindset, real transformation is possible.
What Odunayo Discussed on the Podcast:
Her starting point at $40K and what her financial life looked like at the time.
Early gaps in financial knowledge and key money mistakes.
The turning point that led her to take her finances seriously.
The first financial changes that created momentum.
A step-by-step breakdown of how she grew her assets to $1M in five years.
Her early investing strategy and how she made decisions.
Challenges and setbacks faced along the way and how she navigated them.
Mindset shifts that helped her move from uncertainty to confidence.
Balancing wealth-building with family goals and future planning.
Advice for anyone feeling behind or overwhelmed with their finances.
AND SO MUCH MORE


How to Keep Up With Odunayo:
Follow on Instagram: @odunayooajayi
Learn more: odunayoajayi.com
 
More Clever Girl Finance Resources:
👋 New to Clever Girl Finance? Start here: https://clevergirlfinance.com/start-here
❤ 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 order now
Everyone talks about rental properties like they're the ultimate passive income strategy, but that hasn't always been my experience.
On this episode, I'm sharing the real story of how one of my rental properties turned into a stressful and expensive situation, and the lessons I learned the hard way about real estate investing! If you're thinking about becoming a landlord, building passive income through real estate, or adding property to your wealth-building strategy, this is something you need to hear first.
I walk through:
What went wrong with my tenant (and the red flags I missed) 
The financial and emotional cost of dealing with a difficult tenant
Why real estate is not always "passive income"
The key lessons I learned about cash flow, screening tenants, and setting boundaries
How I changed my real estate strategy after this experience Real estate can absolutely be a powerful way to build wealth, but only if you approach it like a real business, not a side hobby.
If you've ever wondered whether rental properties are really worth it, this video will give you a much more honest perspective.
 
More Clever Girl Finance Resources:
👋 New to Clever Girl Finance? Start here: https://clevergirlfinance.com/start-here
❤ 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 order now
On this episode of the podcast, we're joined by Arden Missal, founder of She's Financially Free, to talk about how she paid off $150,000 in student loan debt in just 16 months—and completely transformed her financial future.
Rejecting the common advice to "take it slow," Arden went all in, working multiple jobs and making intentional short-term sacrifices to gain long-term freedom and control over her life. Now, she's on a mission to help women stop avoiding their finances and start building a life that feels calm, confident, and aligned.
In this conversation, Arden breaks down the mindset shifts, simple systems, and no-nonsense strategies that helped her achieve debt freedom—and how others can do the same without perfection or overwhelm.

What Arden Discussed on the Podcast:
Her financial journey and what led to launching She's Financially Free.

The decision to aggressively pay off $150,000 in student loan debt in 16 months.

The emotional and mental shifts required before financial progress could happen.

Practical tools, habits, and routines that kept her focused during her payoff journey.

Her income sources at the time and how she maximized them to accelerate debt repayment.

Limiting beliefs about money and self-worth she had to confront.

How debt influenced her decisions around work, lifestyle, and relationships.

Why many women feel stuck financially even when they're doing "all the right things."

One simple shift to start gaining momentum when dealing with overwhelming debt.

How becoming debt-free transformed her mindset, confidence, and long-term goals.

AND SO MUCH MORE
 
How to Keep Up With Arden:
Website: ShesFinanciallyFree.com

Free toolkit: ShesFinanciallyFree.com/StarterKit

Instagram: @shesfinanciallyfree1

 
More Clever Girl Finance Resources:
👋 New to Clever Girl Finance? Start here: https://clevergirlfinance.com/start-here
❤ 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 order now
Managing money in a relationship is always a controversial topic.
Should you use joint bank accounts, keep everything separate, or try a mix of both?
On this episode, I am sharing the truth about navigating finances when you are in a committed relationship or married—including the system that works for my husband and me.
We are diving into the hidden work of managing a household budget, the "mental load" of finances, and why trying to split things exactly 50/50 is often a recipe for disaster. 
Whether you earn more than your partner, juggle the invisible workload, or are trying to get your spouse on board with investing, this playbook is for you.
What I discussed:
 Is a joint account better than separate accounts in marriage?


How to recognize the "invisible workload" of financial management


My personal "Hybrid System" that saved us so many arguments


What to do if your partner isn't on board with budgeting or building wealth


Why being single is a superpower when creating a financial plan. 
Love is not a financial plan—teamwork is!
Let's build a money system that works for your house, not anyone else's expectations.
 
More Clever Girl Finance Resources:
👋 New to Clever Girl Finance? Start here: https://clevergirlfinance.com/start-here
❤ 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

My new Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - is available to order now!
Today is the official launch day, and I am taking a moment behind the mic to celebrate with the community (YOU!) that made it all possible!
This book is a manual for navigating the "messy middle" of your money. I dive into why you absolutely cannot shame yourself into wealth, how to dismantle "timeline anxiety" so you can build on your own clock, and the fundamental difference between saving for safety and investing for true freedom.
Whether you are a "first-generation everything" trying to figure things out without a roadmap, or you are simply tired of operating in financial survival mode, this book is for you.
Thank you for giving me the space to create this shame-free community; now, let's get to work and build your legacy!
If you have already picked up your copy of Clever Girl Millionaire, thank you from the bottom of my heart!
🔗 Grab your copy here
 
More Clever Girl Finance Resources:
👋 New to Clever Girl Finance? Start here: https://clevergirlfinance.com/start-here
❤ 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