<a target="_blank" href="https://www.buzzsprout.com/338228/fan_mail/new">Send us Fan Mail</a>In this classic episode, I’m chatting with Ryan Duitch, Founder and CEO of Arro, a fintech company focused on helping people build credit more responsibly. Ryan shares why the traditional credit system can feel confusing, intimidating, and unfair for so many people, especially those who are new to credit, rebuilding credit, or living paycheck to paycheck. We talk about how financial literacy, behavior, and access all work together, and why learning how to manage money is such an important part of learning how to manage credit. Ryan also breaks down how Arro was designed to give users step-by-step guidance, education, and tools to help them make smarter financial decisions over time. This conversation originally aired in late 2024, so some product details may have changed since recording. Please check Arro’s current terms, features, fees, and eligibility requirements directly before applying. About our guest Ryan Duitch is the Founder and CEO of Arro, which he started in May 2021. Before Arro, he was a Co-Founder at Field Day, a VC-backed startup, from May 2017 to May 2021.<a href='https://www.arrofinance.com/'>Check Arro here</a>Download the Arro App-<ul><li><a href='https://apps.apple.com/us/app/arro-credit-your-way/id6449683788'>Apple App Store</a></li><li><a href='https://play.google.com/store/apps/details?id=com.arrofinance.production&amp;hl=en_US'>Google Play Store</a></li></ul><a rel="payment" href="https://www.buymeacoffee.com/naseema">Support the show</a>---Grab your spot in my <a href='https://www.financiallyintentional.com/class'>free Financial CPR class</a> and learn the simple steps I used to go from paycheck to paycheck to my first million.Please join me here, and follow me on social media,<a href='https://www.instagram.com/financiallyintentional/'> Instagram</a>, and<a href='https://www.facebook.com/financiallyintentionalbiz'> Facebook</a>. Need help getting started on your path to financial freedom? <a href='http://freeguide.financiallyintentional.com/'>Start Here</a><a href='https://www.facebook.com/groups/financiallyintentional/'>Join the Financially Intentional Community</a> Oh and please subscribe and leave a review on whatever app you&apos;re using to stream this podcast. Get my book<a href='https://amzn.to/3iMxTCy'> Smart Money</a>

<description>&lt;p&gt;&lt;a target="_blank" href="https://www.buzzsprout.com/338228/fan_mail/new"&gt;Send us Fan Mail&lt;/a&gt;&lt;/p&gt;&lt;p&gt;In this classic episode, I’m chatting with Ryan Duitch, Founder and CEO of Arro, a fintech company focused on helping people build credit more responsibly. Ryan shares why the traditional credit system can feel confusing, intimidating, and unfair for so many people, especially those who are new to credit, rebuilding credit, or living paycheck to paycheck.&lt;br/&gt;&lt;br/&gt;We talk about how financial literacy, behavior, and access all work together, and why learning how to manage money is such an important part of learning how to manage credit. Ryan also breaks down how Arro was designed to give users step-by-step guidance, education, and tools to help them make smarter financial decisions over time.&lt;br/&gt;&lt;br/&gt;This conversation originally aired in late 2024, so some product details may have changed since recording. Please check Arro’s current terms, features, fees, and eligibility requirements directly before applying.&lt;br/&gt;&lt;br/&gt;About our guest&lt;br/&gt;Ryan Duitch is the Founder and CEO of Arro, which he started in May 2021. Before Arro, he was a Co-Founder at Field Day, a VC-backed startup, from May 2017 to May 2021.&lt;/p&gt;&lt;p&gt;&lt;a href='https://www.arrofinance.com/'&gt;Check Arro here&lt;/a&gt;&lt;/p&gt;&lt;p&gt;Download the Arro App-&lt;/p&gt;&lt;ul&gt;&lt;li&gt;&lt;a href='https://apps.apple.com/us/app/arro-credit-your-way/id6449683788'&gt;Apple App Store&lt;/a&gt;&lt;/li&gt;&lt;li&gt;&lt;a href='https://play.google.com/store/apps/details?id=com.arrofinance.production&amp;amp;hl=en_US'&gt;Google Play Store&lt;/a&gt;&lt;/li&gt;&lt;/ul&gt;&lt;p&gt;&lt;a rel="payment" href="https://www.buymeacoffee.com/naseema"&gt;Support the show&lt;/a&gt;&lt;/p&gt;&lt;p&gt;---&lt;/p&gt;&lt;p&gt;Grab your spot in my &lt;a href='https://www.financiallyintentional.com/class'&gt;free Financial CPR class&lt;/a&gt; and learn the simple steps I used to go from paycheck to paycheck to my first million.&lt;/p&gt;&lt;p&gt;Please join me here, and follow me on social media,&lt;a href='https://www.instagram.com/financiallyintentional/'&gt; Instagram&lt;/a&gt;, and&lt;a href='https://www.facebook.com/financiallyintentionalbiz'&gt; Facebook&lt;/a&gt;.&lt;br/&gt;&lt;br/&gt;Need help getting started on your path to financial freedom? &lt;a href='http://freeguide.financiallyintentional.com/'&gt;Start Here&lt;/a&gt;&lt;/p&gt;&lt;p&gt;&lt;a href='https://www.facebook.com/groups/financiallyintentional/'&gt;Join the Financially Intentional Community&lt;/a&gt; &lt;/p&gt;&lt;p&gt;Oh and please subscribe and leave a review on whatever app you&amp;apos;re using to stream this podcast. &lt;/p&gt;&lt;p&gt;Get my book&lt;a href='https://amzn.to/3iMxTCy'&gt; Smart Money&lt;/a&gt;&lt;/p&gt;</description>

Send us Fan Mail In this classic episode, I’m chatting with Ryan Duitch, Founder and CEO of Arro, a fintech company focused on helping people build credit more responsibly. Ryan shares why the traditional credit system can feel confusing, intimidating, and unfair for so many people, especially those who are new to credit, rebuilding credit, or living paycheck to paycheck.  We talk about how financial literacy, behavior, and access all work together, and why learning how to manage money is suc...

Financially Intentional 

Learn and Grow Financially with Arro’s Tools - Episode 184 (Classic Episode)

<a target="_blank" href="https://www.buzzsprout.com/338228/fan_mail/new">Send us Fan Mail</a>In today&apos;s classic episode, I talk with Chris Gerardi, Founder and CEO of Realbricks, about a different way to think about real estate investing. Instead of saving up for a huge down payment or becoming a landlord, Realbricks allows eligible investors to purchase fractional shares tied to individual rental properties starting with as little as $100. Chris explains how fractional real estate investing works, how investors may receive rental income distributions, and how Realbricks handles the property management side so investors do not have to deal with tenants, repairs, or late-night landlord problems. We also talk about the risks, the importance of starting small, and why real estate can be one way to diversify your investment portfolio. If you have ever wanted to invest in real estate but felt like it was out of reach, this conversation is a helpful place to start. About our guest: Chris Gerardi is an entrepreneur and the Founder and CEO of Realbricks, a fractional real estate investing platform designed to make real estate investing more accessible. With 18 years of operational experience across multiple public companies, Chris brings leadership and executional expertise to his work building teams and growing Realbricks. His mission with Realbricks is to help everyday investors overcome traditional barriers to real estate investing through fractional ownership. By giving eligible investors a way to start with a lower minimum investment, Chris hopes to make real estate more approachable for people who want exposure to rental income, property appreciation, and long-term wealth-building opportunities without having to buy and manage an entire property themselves. <a href='https://www.realbricks.com/'>Real Bricks</a> <a href='https://apps.apple.com/us/app/realbricks/id6473520185'>Download on the App Store</a> <a href='https://play.google.com/store/apps/details?id=com.realbricks'>Get it on Google Play</a> Editor’s note: This conversation originally aired in Q4 2024. Since then, some Realbricks platform features, offering details, fees, and liquidity language may have changed. Real estate investments involve risk, potential illiquidity, and possible loss of capital. SEC qualification does not mean the SEC endorses or approves an investment. Please review the latest Realbricks offering materials before investing.<a rel="payment" href="https://www.buymeacoffee.com/naseema">Support the show</a>---Grab your spot in my <a href='https://www.financiallyintentional.com/class'>free Financial CPR class</a> and learn the simple steps I used to go from paycheck to paycheck to my first million.Please join me here, and follow me on social media,<a href='https://www.instagram.com/financiallyintentional/'> Instagram</a>, and<a href='https://www.facebook.com/financiallyintentionalbiz'> Facebook</a>. Need help getting started on your path to financial freedom? <a href='http://freeguide.financiallyintentional.com/'>Start Here</a><a href='https://www.facebook.com/groups/financiallyintentional/'>Join the Financially Intentional Community</a> Oh and please subscribe and leave a review on whatever app you&apos;re using to stream this podcast. Get my book<a href='https://amzn.to/3iMxTCy'> Smart Money</a>

<description>&lt;p&gt;&lt;a target="_blank" href="https://www.buzzsprout.com/338228/fan_mail/new"&gt;Send us Fan Mail&lt;/a&gt;&lt;/p&gt;&lt;p&gt;In today&amp;apos;s classic episode, I talk with Chris Gerardi, Founder and CEO of Realbricks, about a different way to think about real estate investing. Instead of saving up for a huge down payment or becoming a landlord, Realbricks allows eligible investors to purchase fractional shares tied to individual rental properties starting with as little as $100. Chris explains how fractional real estate investing works, how investors may receive rental income distributions, and how Realbricks handles the property management side so investors do not have to deal with tenants, repairs, or late-night landlord problems. We also talk about the risks, the importance of starting small, and why real estate can be one way to diversify your investment portfolio. If you have ever wanted to invest in real estate but felt like it was out of reach, this conversation is a helpful place to start.&lt;br/&gt;&lt;br/&gt;About our guest:&lt;br/&gt;Chris Gerardi is an entrepreneur and the Founder and CEO of Realbricks, a fractional real estate investing platform designed to make real estate investing more accessible. With 18 years of operational experience across multiple public companies, Chris brings leadership and executional expertise to his work building teams and growing Realbricks.&lt;br/&gt;&lt;br/&gt;His mission with Realbricks is to help everyday investors overcome traditional barriers to real estate investing through fractional ownership. By giving eligible investors a way to start with a lower minimum investment, Chris hopes to make real estate more approachable for people who want exposure to rental income, property appreciation, and long-term wealth-building opportunities without having to buy and manage an entire property themselves.&lt;br/&gt;&lt;br/&gt;&lt;a href='https://www.realbricks.com/'&gt;Real Bricks&lt;/a&gt;&lt;br/&gt;&lt;a href='https://apps.apple.com/us/app/realbricks/id6473520185'&gt;Download on the App Store&lt;/a&gt;&lt;br/&gt;&lt;a href='https://play.google.com/store/apps/details?id=com.realbricks'&gt;Get it on Google Play&lt;/a&gt;&lt;br/&gt;&lt;br/&gt;Editor’s note: This conversation originally aired in Q4 2024. Since then, some Realbricks platform features, offering details, fees, and liquidity language may have changed. Real estate investments involve risk, potential illiquidity, and possible loss of capital. SEC qualification does not mean the SEC endorses or approves an investment. Please review the latest Realbricks offering materials before investing.&lt;/p&gt;&lt;p&gt;&lt;a rel="payment" href="https://www.buymeacoffee.com/naseema"&gt;Support the show&lt;/a&gt;&lt;/p&gt;&lt;p&gt;---&lt;/p&gt;&lt;p&gt;Grab your spot in my &lt;a href='https://www.financiallyintentional.com/class'&gt;free Financial CPR class&lt;/a&gt; and learn the simple steps I used to go from paycheck to paycheck to my first million.&lt;/p&gt;&lt;p&gt;Please join me here, and follow me on social media,&lt;a href='https://www.instagram.com/financiallyintentional/'&gt; Instagram&lt;/a&gt;, and&lt;a href='https://www.facebook.com/financiallyintentionalbiz'&gt; Facebook&lt;/a&gt;.&lt;br/&gt;&lt;br/&gt;Need help getting started on your path to financial freedom? &lt;a href='http://freeguide.financiallyintentional.com/'&gt;Start Here&lt;/a&gt;&lt;/p&gt;&lt;p&gt;&lt;a href='https://www.facebook.com/groups/financiallyintentional/'&gt;Join the Financially Intentional Community&lt;/a&gt; &lt;/p&gt;&lt;p&gt;Oh and please subscribe and leave a review on whatever app you&amp;apos;re using to stream this podcast. &lt;/p&gt;&lt;p&gt;Get my book&lt;a href='https://amzn.to/3iMxTCy'&gt; Smart Money&lt;/a&gt;&lt;/p&gt;</description>

Send us Fan Mail In today's classic episode, I talk with Chris Gerardi, Founder and CEO of Realbricks, about a different way to think about real estate investing. Instead of saving up for a huge down payment or becoming a landlord, Realbricks allows eligible investors to purchase fractional shares tied to individual rental properties starting with as little as $100. Chris explains how fractional real estate investing works, how investors may receive rental income distributions, and how Realbr...

How Real Bricks Makes Real Estate Investment Simple and Accessible - Episode 183 (Classic Episode)

<a target="_blank" href="https://www.buzzsprout.com/338228/fan_mail/new">Send us Fan Mail</a>In today&apos;s classic episode, I talk to April Stewart, a personal finance coach who became a millionaire without starting a side hustle or business. April shares her journey of transforming her corporate salary into long-term wealth. After a tough job loss, she got serious about saving and investing, building a strong financial foundation and becoming debt-free. We discuss the importance of budgeting, why building wealth doesn’t have to mean extreme sacrifices, and the impact of mindset on financial success. About our guest: There’s a common misconception that only stock traders, real estate investors, and business owners can become millionaires. April Stewart defies this belief by sharing how she used her corporate salary, intentional money management, and consistent investing to build a million-dollar net worth. After experiencing a job loss early in her career, April transformed her relationship with money and went from living paycheck to paycheck to becoming a self-made millionaire in less than 15 years. Today, as a certified financial coach, educator, speaker, and founder of April The Money Coach, she helps high-earning professional women manage their money, build wealth, and work toward a million-dollar net worth using their income alone. April’s expertise has been featured in Forbes, Business Insider, Black Enterprise, Success Magazine, and AfroTech. April’s free Millionaire Money Checklist / Assessment: https://april-stewart.mykajabi.com/millionaire-money-checklist Editor’s note: This is a classic episode originally released in 2024. Some time references reflect when the conversation was recorded, but the lessons on budgeting, saving, investing, and building wealth through a 9-to-5 are still relevant today.<a rel="payment" href="https://www.buymeacoffee.com/naseema">Support the show</a>---Grab your spot in my <a href='https://www.financiallyintentional.com/class'>free Financial CPR class</a> and learn the simple steps I used to go from paycheck to paycheck to my first million.Please join me here, and follow me on social media,<a href='https://www.instagram.com/financiallyintentional/'> Instagram</a>, and<a href='https://www.facebook.com/financiallyintentionalbiz'> Facebook</a>. Need help getting started on your path to financial freedom? <a href='http://freeguide.financiallyintentional.com/'>Start Here</a><a href='https://www.facebook.com/groups/financiallyintentional/'>Join the Financially Intentional Community</a> Oh and please subscribe and leave a review on whatever app you&apos;re using to stream this podcast. Get my book<a href='https://amzn.to/3iMxTCy'> Smart Money</a>

<description>&lt;p&gt;&lt;a target="_blank" href="https://www.buzzsprout.com/338228/fan_mail/new"&gt;Send us Fan Mail&lt;/a&gt;&lt;/p&gt;&lt;p&gt;In today&amp;apos;s classic episode, I talk to April Stewart, a personal finance coach who became a millionaire without starting a side hustle or business. April shares her journey of transforming her corporate salary into long-term wealth. After a tough job loss, she got serious about saving and investing, building a strong financial foundation and becoming debt-free. We discuss the importance of budgeting, why building wealth doesn’t have to mean extreme sacrifices, and the impact of mindset on financial success.&lt;br/&gt;&lt;br/&gt;About our guest:&lt;br/&gt;There’s a common misconception that only stock traders, real estate investors, and business owners can become millionaires. April Stewart defies this belief by sharing how she used her corporate salary, intentional money management, and consistent investing to build a million-dollar net worth.&lt;br/&gt;&lt;br/&gt;After experiencing a job loss early in her career, April transformed her relationship with money and went from living paycheck to paycheck to becoming a self-made millionaire in less than 15 years. Today, as a certified financial coach, educator, speaker, and founder of April The Money Coach, she helps high-earning professional women manage their money, build wealth, and work toward a million-dollar net worth using their income alone.&lt;br/&gt;&lt;br/&gt;April’s expertise has been featured in Forbes, Business Insider, Black Enterprise, Success Magazine, and AfroTech.&lt;br/&gt;&lt;br/&gt;April’s free Millionaire Money Checklist / Assessment:&lt;br/&gt;https://april-stewart.mykajabi.com/millionaire-money-checklist&lt;br/&gt;&lt;br/&gt;&lt;br/&gt;Editor’s note: This is a classic episode originally released in 2024. Some time references reflect when the conversation was recorded, but the lessons on budgeting, saving, investing, and building wealth through a 9-to-5 are still relevant today.&lt;/p&gt;&lt;p&gt;&lt;a rel="payment" href="https://www.buymeacoffee.com/naseema"&gt;Support the show&lt;/a&gt;&lt;/p&gt;&lt;p&gt;---&lt;/p&gt;&lt;p&gt;Grab your spot in my &lt;a href='https://www.financiallyintentional.com/class'&gt;free Financial CPR class&lt;/a&gt; and learn the simple steps I used to go from paycheck to paycheck to my first million.&lt;/p&gt;&lt;p&gt;Please join me here, and follow me on social media,&lt;a href='https://www.instagram.com/financiallyintentional/'&gt; Instagram&lt;/a&gt;, and&lt;a href='https://www.facebook.com/financiallyintentionalbiz'&gt; Facebook&lt;/a&gt;.&lt;br/&gt;&lt;br/&gt;Need help getting started on your path to financial freedom? &lt;a href='http://freeguide.financiallyintentional.com/'&gt;Start Here&lt;/a&gt;&lt;/p&gt;&lt;p&gt;&lt;a href='https://www.facebook.com/groups/financiallyintentional/'&gt;Join the Financially Intentional Community&lt;/a&gt; &lt;/p&gt;&lt;p&gt;Oh and please subscribe and leave a review on whatever app you&amp;apos;re using to stream this podcast. &lt;/p&gt;&lt;p&gt;Get my book&lt;a href='https://amzn.to/3iMxTCy'&gt; Smart Money&lt;/a&gt;&lt;/p&gt;</description>

Send us Fan Mail In today's classic episode, I talk to April Stewart, a personal finance coach who became a millionaire without starting a side hustle or business. April shares her journey of transforming her corporate salary into long-term wealth. After a tough job loss, she got serious about saving and investing, building a strong financial foundation and becoming debt-free. We discuss the importance of budgeting, why building wealth doesn’t have to mean extreme sacrifices, and the impact o...

How April Built Financial Freedom on a 9 to 5 Income - Episode 182 (Classic Episode)

<a target="_blank" href="https://www.buzzsprout.com/338228/fan_mail/new">Send us Fan Mail</a>Join me in today&apos;s classic episode as I talk with R Persichitte, a money expert who helps people avoid scams. We chat about what fraud is, how it is different from rip-offs, and ways you can keep your money safe. R shares real stories about people who lost their savings and gives easy tips to protect yourself. Listen in to learn how to keep your money where it belongs. About our guest: R Persichitte, CPA, CFP®, CFA, CFE, guides business leaders and individuals through tax, investment, and financial planning decisions. An accountant at heart and an award-winning analyst, R is known for using data to make sound decisions and help clients avoid costly mistakes, scams, and other financial pitfalls. He served as an auditor for over ten years, working in tax, fraud, and asset recovery, and now works as an auditor on your side. Delagify Financial is a fee-for-service financial planning firm dedicated to helping people keep their money. The company helps individuals and small businesses avoid rip-offs, mistakes, and unnecessary taxes through tax strategy, accounting, and comprehensive financial planning services. https://secondlook.delagify.com/ https://delagify.com Editor’s note: This classic episode originally aired in 2024. The fraud-prevention advice still applies, and the topic is even more urgent today as reported online fraud and investment-scam losses continue to rise. Since the original recording, some figures and rules have changed, including the 2026 federal estate-tax filing threshold, and some recovery/payment-app rules may vary by situation. If you believe you’ve been targeted by an online, crypto, or impersonation scam, stop sending money, document everything, and report it to the FBI’s IC3 and the FTC.<a rel="payment" href="https://www.buymeacoffee.com/naseema">Support the show</a>---Grab your spot in my <a href='https://www.financiallyintentional.com/class'>free Financial CPR class</a> and learn the simple steps I used to go from paycheck to paycheck to my first million.Please join me here, and follow me on social media,<a href='https://www.instagram.com/financiallyintentional/'> Instagram</a>, and<a href='https://www.facebook.com/financiallyintentionalbiz'> Facebook</a>. Need help getting started on your path to financial freedom? <a href='http://freeguide.financiallyintentional.com/'>Start Here</a><a href='https://www.facebook.com/groups/financiallyintentional/'>Join the Financially Intentional Community</a> Oh and please subscribe and leave a review on whatever app you&apos;re using to stream this podcast. Get my book<a href='https://amzn.to/3iMxTCy'> Smart Money</a>

<description>&lt;p&gt;&lt;a target="_blank" href="https://www.buzzsprout.com/338228/fan_mail/new"&gt;Send us Fan Mail&lt;/a&gt;&lt;/p&gt;&lt;p&gt;Join me in today&amp;apos;s classic episode as I talk with R Persichitte, a money expert who helps people avoid scams. We chat about what fraud is, how it is different from rip-offs, and ways you can keep your money safe. R shares real stories about people who lost their savings and gives easy tips to protect yourself. Listen in to learn how to keep your money where it belongs.&lt;br/&gt;&lt;br/&gt;About our guest:&lt;br/&gt;R Persichitte, CPA, CFP®, CFA, CFE, guides business leaders and individuals through tax, investment, and financial planning decisions. An accountant at heart and an award-winning analyst, R is known for using data to make sound decisions and help clients avoid costly mistakes, scams, and other financial pitfalls. He served as an auditor for over ten years, working in tax, fraud, and asset recovery, and now works as an auditor on your side.&lt;br/&gt;&lt;br/&gt;Delagify Financial is a fee-for-service financial planning firm dedicated to helping people keep their money. The company helps individuals and small businesses avoid rip-offs, mistakes, and unnecessary taxes through tax strategy, accounting, and comprehensive financial planning services.&lt;br/&gt;&lt;br/&gt;https://secondlook.delagify.com/&lt;br/&gt;&lt;br/&gt;https://delagify.com&lt;br/&gt;&lt;br/&gt;Editor’s note: This classic episode originally aired in 2024. The fraud-prevention advice still applies, and the topic is even more urgent today as reported online fraud and investment-scam losses continue to rise. Since the original recording, some figures and rules have changed, including the 2026 federal estate-tax filing threshold, and some recovery/payment-app rules may vary by situation. If you believe you’ve been targeted by an online, crypto, or impersonation scam, stop sending money, document everything, and report it to the FBI’s IC3 and the FTC.&lt;/p&gt;&lt;p&gt;&lt;a rel="payment" href="https://www.buymeacoffee.com/naseema"&gt;Support the show&lt;/a&gt;&lt;/p&gt;&lt;p&gt;---&lt;/p&gt;&lt;p&gt;Grab your spot in my &lt;a href='https://www.financiallyintentional.com/class'&gt;free Financial CPR class&lt;/a&gt; and learn the simple steps I used to go from paycheck to paycheck to my first million.&lt;/p&gt;&lt;p&gt;Please join me here, and follow me on social media,&lt;a href='https://www.instagram.com/financiallyintentional/'&gt; Instagram&lt;/a&gt;, and&lt;a href='https://www.facebook.com/financiallyintentionalbiz'&gt; Facebook&lt;/a&gt;.&lt;br/&gt;&lt;br/&gt;Need help getting started on your path to financial freedom? &lt;a href='http://freeguide.financiallyintentional.com/'&gt;Start Here&lt;/a&gt;&lt;/p&gt;&lt;p&gt;&lt;a href='https://www.facebook.com/groups/financiallyintentional/'&gt;Join the Financially Intentional Community&lt;/a&gt; &lt;/p&gt;&lt;p&gt;Oh and please subscribe and leave a review on whatever app you&amp;apos;re using to stream this podcast. &lt;/p&gt;&lt;p&gt;Get my book&lt;a href='https://amzn.to/3iMxTCy'&gt; Smart Money&lt;/a&gt;&lt;/p&gt;</description>

Send us Fan Mail Join me in today's classic episode as I talk with R Persichitte, a money expert who helps people avoid scams. We chat about what fraud is, how it is different from rip-offs, and ways you can keep your money safe. R shares real stories about people who lost their savings and gives easy tips to protect yourself. Listen in to learn how to keep your money where it belongs.  About our guest: R Persichitte, CPA, CFP®, CFA, CFE, guides business leaders and individuals through tax, i...

How to Protect Yourself from Scams and Rip-offs - Episode 181 (Classic Episode)

<a target="_blank" href="https://www.buzzsprout.com/338228/fan_mail/new">Send us Fan Mail</a>Today&apos;s episode is such a full circle moment. I’m talking with Odunayo Ajayi, a Nigerian immigrant, mom, wife, Microsoft Technical Program Manager, author, and personal finance educator who went from student loan debt to building real wealth. We talk about paying off debt, getting on the same page with your partner, building an emergency fund, investing for your kids, and why money should not be a secret in our homes. Odunayo’s story is proof that you can start where you are, learn what you need, and build a life with more peace, purpose, and freedom. About our guest: Odunayo Ajayi is a personal finance educator, author, and founder of Odunayo Ajayi LLC, a financial education and coaching company helping individuals, couples, immigrants, women, and families build wealth with wisdom, purpose, and intentionality. She is also a Technical Program Manager at Microsoft with over 12 years of experience across technology, financial services, consulting, nonprofit, and consumer goods, including work with JP Morgan Chase, Barclays, KPMG, The Hershey Company, and Google. Originally from Akure, Nigeria, she holds a Bachelor’s degree in Computer Science from Bowen University and a Master’s degree in Economics and International Relations from Syracuse University. After taking on six figures in student loan debt, Odunayo transformed her financial life by paying off her loans, building a fully funded emergency fund, purchasing a home without new debt, and growing her investment portfolio to seven figures within five years. She is the author of The Joy of Financial Freedom: Building Wealth with Wisdom and Purpose, now available on Amazon, and the founder of The Joy Circle, a private community offering courses, coaching, and accountability. A devoted Christian and active member of RCCG Desire of Nations in New York, Odunayo now lives in New Jersey with her husband and two sons. 📖 Book (Pre-Order): The Joy of Financial Freedom: Building Wealth with Wisdom and Purpose: <a href='https://www.amazon.com/dp/B0GX2YV3SB'>https://www.amazon.com/dp/B0GX2YV3SB</a> 🌐 Website: <a href='www.odunayoajayi.comhttps://odunayoajayi.com/'>https://odunayoajayi.com/</a> 📸 Instagram: <a href='http://instagram.com/odunayooajayi'>@odunayooajayi</a> 💛 The Joy Circle Community (Skool): <a href='https://www.skool.com/the-joy-circle-2986/about'>https://www.skool.com/the-joy-circle-2986/about</a> <a rel="payment" href="https://www.buymeacoffee.com/naseema">Support the show</a>---Grab your spot in my <a href='https://www.financiallyintentional.com/class'>free Financial CPR class</a> and learn the simple steps I used to go from paycheck to paycheck to my first million.Please join me here, and follow me on social media,<a href='https://www.instagram.com/financiallyintentional/'> Instagram</a>, and<a href='https://www.facebook.com/financiallyintentionalbiz'> Facebook</a>. Need help getting started on your path to financial freedom? <a href='http://freeguide.financiallyintentional.com/'>Start Here</a><a href='https://www.facebook.com/groups/financiallyintentional/'>Join the Financially Intentional Community</a> Oh and please subscribe and leave a review on whatever app you&apos;re using to stream this podcast. Get my book<a href='https://amzn.to/3iMxTCy'> Smart Money</a>

<description>&lt;p&gt;&lt;a target="_blank" href="https://www.buzzsprout.com/338228/fan_mail/new"&gt;Send us Fan Mail&lt;/a&gt;&lt;/p&gt;&lt;p&gt;Today&amp;apos;s episode is such a full circle moment. I’m talking with Odunayo Ajayi, a Nigerian immigrant, mom, wife, Microsoft Technical Program Manager, author, and personal finance educator who went from student loan debt to building real wealth. We talk about paying off debt, getting on the same page with your partner, building an emergency fund, investing for your kids, and why money should not be a secret in our homes. Odunayo’s story is proof that you can start where you are, learn what you need, and build a life with more peace, purpose, and freedom.&lt;br/&gt;&lt;br/&gt;About our guest:&lt;br/&gt;Odunayo Ajayi is a personal finance educator, author, and founder of Odunayo Ajayi LLC, a financial education and coaching company helping individuals, couples, immigrants, women, and families build wealth with wisdom, purpose, and intentionality. She is also a Technical Program Manager at Microsoft with over 12 years of experience across technology, financial services, consulting, nonprofit, and consumer goods, including work with JP Morgan Chase, Barclays, KPMG, The Hershey Company, and Google. Originally from Akure, Nigeria, she holds a Bachelor’s degree in Computer Science from Bowen University and a Master’s degree in Economics and International Relations from Syracuse University.&lt;br/&gt;&lt;br/&gt;After taking on six figures in student loan debt, Odunayo transformed her financial life by paying off her loans, building a fully funded emergency fund, purchasing a home without new debt, and growing her investment portfolio to seven figures within five years. She is the author of The Joy of Financial Freedom: Building Wealth with Wisdom and Purpose, now available on Amazon, and the founder of The Joy Circle, a private community offering courses, coaching, and accountability. A devoted Christian and active member of RCCG Desire of Nations in New York, Odunayo now lives in New Jersey with her husband and two sons.&lt;br/&gt;&lt;br/&gt;📖 Book (Pre-Order): The Joy of Financial Freedom: Building Wealth with Wisdom and Purpose: &lt;a href='https://www.amazon.com/dp/B0GX2YV3SB'&gt;https://www.amazon.com/dp/B0GX2YV3SB&lt;/a&gt;&lt;br/&gt;🌐 Website: &lt;a href='www.odunayoajayi.comhttps://odunayoajayi.com/'&gt;https://odunayoajayi.com/&lt;/a&gt;&lt;br/&gt;📸 Instagram: &lt;a href='http://instagram.com/odunayooajayi'&gt;@odunayooajayi&lt;/a&gt;&lt;br/&gt;💛 The Joy Circle Community (Skool): &lt;a href='https://www.skool.com/the-joy-circle-2986/about'&gt;https://www.skool.com/the-joy-circle-2986/about&lt;/a&gt;&lt;/p&gt;&lt;p&gt;&lt;br/&gt;&lt;/p&gt;&lt;p&gt;&lt;a rel="payment" href="https://www.buymeacoffee.com/naseema"&gt;Support the show&lt;/a&gt;&lt;/p&gt;&lt;p&gt;---&lt;/p&gt;&lt;p&gt;Grab your spot in my &lt;a href='https://www.financiallyintentional.com/class'&gt;free Financial CPR class&lt;/a&gt; and learn the simple steps I used to go from paycheck to paycheck to my first million.&lt;/p&gt;&lt;p&gt;Please join me here, and follow me on social media,&lt;a href='https://www.instagram.com/financiallyintentional/'&gt; Instagram&lt;/a&gt;, and&lt;a href='https://www.facebook.com/financiallyintentionalbiz'&gt; Facebook&lt;/a&gt;.&lt;br/&gt;&lt;br/&gt;Need help getting started on your path to financial freedom? &lt;a href='http://freeguide.financiallyintentional.com/'&gt;Start Here&lt;/a&gt;&lt;/p&gt;&lt;p&gt;&lt;a href='https://www.facebook.com/groups/financiallyintentional/'&gt;Join the Financially Intentional Community&lt;/a&gt; &lt;/p&gt;&lt;p&gt;Oh and please subscribe and leave a review on whatever app you&amp;apos;re using to stream this podcast. &lt;/p&gt;&lt;p&gt;Get my book&lt;a href='https://amzn.to/3iMxTCy'&gt; Smart Money&lt;/a&gt;&lt;/p&gt;</description>

Send us Fan Mail Today's episode is such a full circle moment. I’m talking with Odunayo Ajayi, a Nigerian immigrant, mom, wife, Microsoft Technical Program Manager, author, and personal finance educator who went from student loan debt to building real wealth. We talk about paying off debt, getting on the same page with your partner, building an emergency fund, investing for your kids, and why money should not be a secret in our homes. Odunayo’s story is proof that you can start where you are,...

She Paid Off Six Figures of Debt and Built a Seven Figure Portfolio - Episode 180

Welcome to the FInancially Intentional Podcast with Naseema McElroy! This is a weekly podcast covering all things personal finance for those ready to build wealth but who may not know where to start.  We believe that you have all the tools to improve your finances because you and your family deserve it. Our hope is that by listening to this podcast, your circle of influence is enhanced. Let us be the folks you choose to surround yourself with. 

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