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
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

Big news, friends! Today's episode is a little different, and deeply special to me. I am officially announcing my brand new book, Clever Girl Millionaire: A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions!
This is my sixth book (technically my seventh!), and it represents years of lived experience, real mistakes, and the steady discipline required to build wealth in a way that feels aligned and sustainable.
In this episode, I'm pulling back the curtain on:
Why I wrote this book: I didn't write this to sell you a dream or an overnight success story. I wrote it to show you how wealth can be built intentionally through mindset, systems, and patience.

Sowing the seeds: Why your financial wellness is non-negotiable and how to start "Chapter 1" of your own millionaire mindset and millionaire journey.

The Pillars of Prosperity: A sneak peek into the core areas I have focused on to become a millionaire: Earned Income, Investing, Real Estate, and Entrepreneurship.

How you can help this book succeed! I'm sharing why pre-orders are the single most important way to support this message and help us reach more women!

If Clever Girl Finance has played a part in your journey, I would be so honored if you supported this launch!
👉 PRE-ORDER YOUR COPY HERE: https://amzn.to/49M4J13
 
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
Feeling stuck with your finances, even when you're trying your best? Sometimes, it's not just about what you do with money... it's about what you believe about money.
In this episode, I'm sharing 5 toxic money beliefs that kept me financially stuck for years, and the mindset shifts that helped me break free. These aren't just budgeting tips. They're the internal narratives that quietly sabotage your goals and block your abundance.
WHAT YOU'LL LEARN:
The money lies we tell ourselves (and how to reframe them)
How mindset directly impacts your saving, spending, and wealth-building
What to believe instead so you can finally make consistent financial progress
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