The Clever Girls Know Podcast With Bola Sokunbi

❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation! clevergirlfinance.com/subscribe In this end-of-year episode, I'm reflecting on a season that stretched me in ways I never expected. Losing my dad in August made 2025 one of the hardest years of my life, and navigating grief while showing up for my family, my business, and this community wasn't easy. I share some of the bright spots that brought me grounding this year, and the incredible opportunities that continued to come to Clever Girl Finance even in a difficult season. I'm stepping into 2026 with intention. Thank you for being here. Thank you for giving me grace. And thank you for being such a meaningful part of my journey. I'm excited for what we're building together in 2026. 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 Only have $100 to invest and wondering where to start? You're not alone, and yes, you can begin your wealth-building journey with just that! In this beginner-friendly episode, I'm sharing exactly what I'd do if I only had $100 to invest, step by step. WHAT YOU'LL LEARN: How to start investing with as little as $100 Ideas of index funds to get started with (like FZROX, VTI, FXAIX, and more) How to build momentum and confidence as a first-time investor The importance of consistency over perfection AND MORE   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 You've probably heard it all before, "Just stop buying lattes." "Get a better job." "Cut out everything non‑essential." But what if some of the most popular money advice doesn't actually work, at least, not for real life or in your current season of life? On this episode, I'm breaking down six common pieces of financial advice that sound good but often fall flat, plus what to do instead to actually make progress with your money.   WHAT YOU'LL LEARN: Why "stop buying coffee" won't make you rich Smarter ways to increase your income (beyond "get a better job") The truth about saving vs. investing How to cut expenses without feeling deprived Why it's never too late to start building wealth How talking about money openly can transform your finances  AND MORE Real wealth isn't built on trendy tips, it's built on smart, sustainable habits. Take the advice that fits your life, leave what doesn't, and keep moving forward.   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 Tracy Coenen, a forensic accountant with over 25 years of experience uncovering financial secrets in everything from corporate fraud to high net worth divorces. Tracy didn't originally plan on this path, she once dreamed of becoming a prison warden and pursued a criminology degree. But a college class on financial crime reignited her childhood love for solving mysteries, leading her to become a CPA and expert in finding hidden money. Today, she's best known for helping women navigate the financial side of divorce with clarity, confidence, and the tools to protect themselves when trust has been broken. What Tracy discussed: Her unique journey from criminology student to forensic accountant. The role a forensic accountant plays in helping women uncover financial deception and protect their assets during divorce. A powerful case example where she helped a woman navigate the financial side of divorce. Red flags that may indicate financial dishonesty in a relationship—even before divorce. First financial steps women should take when preparing for or going through divorce. How women who haven't managed household finances can begin to take ownership during divorce. Unique challenges faced by high-income women and how to protect their assets. The difference between a divorce attorney and a forensic accountant—and how they work together. Common financial mistakes women make during divorce and how to avoid them. How to financially rebuild after divorce, especially from a place of uncertainty or limited income. What to do if you suspect your partner is hiding money but don't know where to start. AND SO MUCH MORE   How to Keep Up With Tracy: Follow on Instagram: @divorcemoneyguide Learn more: divorcemoneyguide.com and sequenceinc.com   ❤ 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 Lauren Morley, creator of The 20 Outfit Wardrobe, a simple and effective system designed to help women streamline their closets, feel confident in their personal style, and stop the cycle of overspending on clothes they never wear. Lauren shares how her own journey of wardrobe overwhelm and emotional shopping led her to develop a system that prioritizes intentionality, confidence, and financial clarity. Whether you're tired of staring at a full closet with "nothing to wear," or you're ready to make more mindful money decisions around fashion, Lauren's approach will help you simplify your style—and save your wallet in the process.   What Lauren discussed: Her background and the inspiration behind creating The 20 Outfit Wardrobe system. How simplifying her own wardrobe helped her stop overspending and feel more confident. The first step to take when simplifying a closet to save money and reduce clutter. Common financial mistakes people make with their wardrobes and how to avoid them. A breakdown of how the 20 Outfit Wardrobe system works and why it's effective. How a simplified wardrobe can reduce decision fatigue and make daily life easier. Tips for shifting from emotional or impulsive shopping to intentional, value-based purchases. How to build a wardrobe that aligns with your real lifestyle—not just online aesthetics. Ways to make your closet more sustainable for your budget and the environment. Advice for women who feel overwhelmed by their closets but don't know where to start. AND MUCH MORE   How to keep up with Lauren: Follow on Instagram: @twentyoutfitwardrobe Learn more: www.twentyoutfitwardrobe.com Explore her guides: stan.store/twentyoutfitwardrobe   ❤ 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