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 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

❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe On this episode of the podcast, we're joined by Melissa A. Rowe, M.Ed., award-winning Scholarship Specialist, College Coach, and founder of Capture Greatness!, to explore how students can graduate from college without the debt. Melissa has helped students secure over $12 million in scholarships, including multiple Gates Millennium Scholars, and gain acceptance to elite institutions like Yale, UPenn, Cornell, Howard, and Morehouse—all while keeping their families financially secure. As the author of Scholars Get Dollars and a Certified Financial Education Instructor™, Melissa believes college should be a legacy-building experience, not a lifelong financial burden. She shares practical strategies to find scholarships, busts myths about who qualifies for them, and explains how to turn the college journey into a launchpad for long-term wealth. What Melissa Discussed on the Podcast: Her journey into college coaching and why she's passionate about helping students graduate debt-free. The secret to standing out in the scholarship application process. Common myths about scholarships, and why they're not just for straight-A students. Where to find scholarships and how to start the search effectively. How she helps students get into top-tier schools with a financial strategy in place. What it really means to treat college as a wealth-building opportunity. Common mistakes families make when planning for college and how to avoid them. How she integrates financial education into the college planning process. Simple, actionable steps for families who feel behind or overwhelmed by college costs. A success story of a student who used scholarships to build a legacy, not just fund their education. AND SO MUCH MORE How to Keep Up With Melissa: Website: CaptureGreatness.org LinkedIn: Melissa A. Rowe Instagram: @CaptureGreatnessScholars YouTube: Capture Greatness Scholars 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

❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe Did the past year leave your finances feeling off track; unexpected expenses, plans falling apart, or goals you just couldn't reach? If so, I want you to hear this first: You're not alone, and you're not stuck. On this episode, I'm walking you through a 6‑step financial comeback plan to help you reset your finances after a rough year, without shame, guilt, or unrealistic pressure. This is about regrouping, rebuilding, and moving forward with clarity and confidence. You'll learn how to: Forgive yourself and reframe your money story Audit your finances and face the numbers with confidence Create a realistic "comeback budget" for your current season Rebuild a mini emergency fund, even if you're starting small Set clear, achievable financial goals for the next 3, 6, and 12 months Reset your finances with support, not shame This reset isn't about perfection, it's about progress. Small steps taken consistently can completely change where you are a year from now. 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