Financially Free with Cleo

Everyone loves to talk about relationships, but when it comes to Money and Relationships, many of those conversations can become difficult.    Whether you're single, dating, in a relationship or married, being open and honest about finances is a requirement. The more you keep it real with yourself and others, the more you'll experience healthier and fun relationships.    Stephanie Holt and Darnell McClain, my two best friends, returned to the show. I'm so excited we got to slide in this new episode while they were visiting me in Dallas, TX.    Let us know how you're handling money convos in your relationships.    This episode is also an intro to what you can look forward to on a new podcast I will be hosting with Stephanie and Darnell later this year. No name yet, but for now catch these trio vibes.    #Money #Relationships #Dating   00:00 Don't Front 00:23 Intro  00:43 Welcome back  01:43 Living Above Your Means  02:37 Financially Preparing for Relationships  05:02 Dating Phase  07:53 Background Checks 10:16 Posting Bae On Social Media 12:09 Separate or Joint Bank Accounts  15:45 Spender or The Saver 18:07 Financial Red Flags 22:08 Vulnerable Money Convos 23:54 When To Introduce New Bae 25:57 Trying New Things  27:13 Workaholic  29:35 Making Time For Relationships 31:52 Noticing When Someone Flirting 34:18 Everybody not tryna play you 35:29 Being Intentional 38:29 Relationship Therapy  39:53 Just Do It 43:30 Bringing Up Old Stuff 44:47 Deal Breakers  44:57 Sometimes Things Change 51:53 Unnecessary Questions 53:01 First Thoughts When Dating Someone 55:15 Making Sacrifices  01:03:57 Don't Hold Back 01:06:29 Hating on Affirmation Cards 01:07:57 Talk About Dating Life With People You Trust  01:10:22 Making The First Move 01:11:11 Asking A Man On The First Date and Paying 01:13:17 Men Should Be Treated As Well 01:14:33 Negative Thoughts Are Draining 01:15:24 Loving Family From A Distance  01:16:58 We All Are Evolving  01:20:00 Last Words  01:22:30 Outro   Watch this episode on YouTube: https://youtu.be/7yduLkFD8qg   The Financially Free with Cleo Podcast is also available on Apple, Spotify, Google, iHeart, Amazon, PodBean. https://www.cleoyogafinance.com/podcast   If you enjoy the show, please subscribe on Youtube, or subscribe, rate and review on Apple or Spotify.   Connect with our Guests on instagram:   Stephanie Holt: https://www.instagram.com/stephanienholt/   Darnell McClain: https://www.instagram.com/n_e_l_l_a_p_e/   Check out Darnell and Stephanie when they were guests on our very first show: https://youtu.be/MXjsMzK89CU   ___   Let's Stay Connected:    Instagram  https://www.instagram.com/cleoyogafinance/   YouTube https://www.youtube.com/c/CleoYogaFinance   TikTok https://www.tiktok.com/   LinkedIn https://www.linkedin.com/in/cleochildress/   Twitter https://twitter.com/cleoyogafinance   Facebook https://www.facebook.com/CleoYogaFinance   Website https://www.cleoyogafinance.com/

I had the amazing honor to have a much needed conversation with the lovely and hilarious, Ananda Lewis, your favorite OG TV Host.   We talked about her experience growing up with her grandma, her lit hosting lifestyle with BET and MTV, how she became a carpenter, how life has been since her breast cancer diagnosis and so much more!   She just released her new T-Shirt Line “90's Nostalgia Collection"  Grab your shirts here: https://shoploveananda.com/   If you missed Ananda's Breast Cancer Announcement, check it out here: https://www.instagram.com/tv/CF0tE2gHxw8/?igshid=YmMyMTA2M2Y=   00:00 Just Be Yourself 00:30 Financially Free with Cleo  00:50 Welcome Back  01:01 Special Guest Ananda Lewis 01:25 How Ananda's Week Is REALLY Going  04:02 Early Money Lessons from Grandma 09:35 There Is No Manual For Motherhood  14:40 First Media Gig 16:25 Teen Summit 20:04 From MTV To BET 24:31 Hiding Habits 26:37 Work Life Balance 27:11 The 90's Was The Best Era 28:21 Working Long Hours On Live TV 29:02 Why Ananda Hated Her Talk Show 33:50 More Media Options Nowadays  37:25 Media Then vs Now  39:09 Best and Worst Money Moves  46:50 Life As A Woman Carpenter  01:01:54 Stage 3 Breast Cancer Diagnosis 01:27:44 What Financial Freedom And Health Freedom Looks Like  01:29:50 Ananda's response to her financial affirmation  01:33:33 Keeping It Real 01:35:05 How To Stay Connected With And Support Ananda  01:39:41 Final Words From Ananda  1:51:14 Wrap up    Stay Connected with Ananda on Instagram and Twitter:    https://twitter.com/AnandaLewis https://www.instagram.com/imanandalewis/   #AnandaLewis #MTV #BET #FinanciallyFreeWithCleo   Watch on Youtube: https://youtu.be/pE_v7c0ldGo   Financially Free with Cleo Podcast is available on YouTube, Apple, Spotify, Google, iHeart, Amazon, PodBean. https://www.cleoyogafinance.com/podcast   If you enjoy the show, please subscribe on YouTube or rate and review on Apple or Spotify.   Let's Stay Connected:    Instagram  https://www.instagram.com/cleoyogafinance/   YouTube https://www.youtube.com/c/CleoYogaFinance   TikTok https://www.tiktok.com/   LinkedIn https://www.linkedin.com/in/cleochildress/   Twitter https://twitter.com/cleoyogafinance   Facebook https://www.facebook.com/CleoYogaFinance   Website https://www.cleoyogafinance.com/

We made it to the final fear of the 5 -Part Fear Series where I've been sharing some of my fears, why they exist, what I'm doing to push through those fears and how you can do the same.   Today is all about my fear of not being a great mom.   Mother's Day is right around the corner. This is a time to appreciate and show love to the great mother's in your life.    Although motherhood has been fun and rewarding, I still have experienced fears off and on about my ability to be a great mother. Sometimes as parents, we feel like we have to have it all figured out. We never will. And that's ok.    The best thing we can do as parents is to just do our best with what we have right now. Enjoy the moments, but also be willing and open to learning new ways to become better parents.    00:00 Have more kids? 00:36 Intro  00:56 Part 5 of 5 (Fear Series)  01:16 Fear of Not Being A Great Mom 03:53 How to push through this fear  07:18 Daily money habits text community  08:29 She wants me to have more kids  11:17 Do you have any fears around being a great parent? 11:55 Why you shouldn't ignore your fears 13:44 Recap of the 5 Fears  14:12 - Wrap up   __   The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast   If you enjoy the show, please subscribe on Youtube, or subscribe, rate and review on Apple or Spotify.   Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community   Join me on the first Sunday of every month at 11:00am CST for a Money Yoga Session https://www.cleoyogafinance.com/money-yoga   Order Your Financial Affirmation Cards  https://www.cleoyogafinance.com/offers/financial-affirmations   Let's Stay Connected:    Instagram  https://www.instagram.com/cleoyogafinance/   YouTube https://www.youtube.com/c/CleoYogaFinance   TikTok https://www.tiktok.com/   LinkedIn https://www.linkedin.com/in/cleochildress/   Twitter https://twitter.com/cleoyogafinance   Facebook https://www.facebook.com/CleoYogaFinance   Website https://www.cleoyogafinance.com/

Next up is Part 4 of 5 of the Fear Series where I'm sharing some of my fears, why they exist, what I'm doing to push through those fears and how you can do the same.   Today is all about my fear of losing my mom and daughter.    It's crazy how this episode was recorded in March 2020 and in April 2020 I got huge scares that flashed before my eyes for both my mom and daughter.   On April 10, 2022 my mom had a stroke for the first time ever. She is now in recovery.    On April 20, 2022 my daughter's dorm building at college caught fire. She and other students were relocated to temporary housing. My daughter wasn't hurt, but at least 4 people were hurt.   We know that none of us will live forever. We are all going to die one day. We just hope that our last day is a long time from now.    The best thing we can do is appreciate the good that life has to offer and spend time with loved ones who bring positivity into our lives.    When someone you love dies, you might be sad, angry, or hurt. If you enjoy the good times while those loved ones are here, it may be easier to cope with their death once they are gone because you won't be wishing you should have called them more or spent more time with them.   Spend more time with them now. Call them now. Text them now. Email them now. Go visit them in person now. Laugh with them now. Tell them how much you care, love and appreciate them.    00:00 - Losing a loved one can be scary  00:34 - Intro  00:54 - Part 4 of 5 (Fear Series)  01:12 - Fear of Losing My Mom & Daughter 05:56 - Daily money habits text community  07:06 - How to push through this fear  10:39 - Do you have any fears about losing a loved one?  10:56 - Wrap up 11:13 Outro   __   The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast   If you enjoy the show, please subscribe on Youtube, or subscribe, rate and review on Apple or Spotify.   Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community   Join me on the first Sunday of every month at 11:00am CST for a Money Yoga Session https://www.cleoyogafinance.com/money-yoga   Order Your Financial Affirmation Cards  https://www.cleoyogafinance.com/offers/financial-affirmations   Let's Stay Connected:    Instagram  https://www.instagram.com/cleoyogafinance/   YouTube https://www.youtube.com/c/CleoYogaFinance   TikTok https://www.tiktok.com/   LinkedIn https://www.linkedin.com/in/cleochildress/   Twitter https://twitter.com/cleoyogafinance   Facebook https://www.facebook.com/CleoYogaFinance   Website https://www.cleoyogafinance.com/

Next up is Part 3 of 5 of the Fear Series where I'm sharing some of my fears, why they exist, what I'm doing to push through those fears and how you can do the same.   Today is all about my fear of not being good enough professionally.    Have you ever had a job or built a business and doubted yourself? Have you ever questioned your ability to do well enough to be seen as successful in the eyes of yourself and in the eyes of other people?   Sometimes we can be so hard on ourselves, but we need to realize that we are phenomenal. No more underestimating our skills, experience and creativity. We are valuable and unique in our own way, but we have to move like we feel it and believe it.    00:00 - Being fired was scary 00:32 - Intro 00:51 - Part 3 of 5 (Fear Series)  01:12 - Fear of Not Being Good Enough Professionally 05:54 - Daily money habits text community 07:04 - How to push through this fear  09:06 - Do you have any fears about not being good enough professionally? 11:21 - Wrap up 11:46 - Outro __ Watch this episode on YouTube: https://youtu.be/Cv4eTnrLIJo   The Financially Free with Cleo Podcast is also available on Apple, Spotify, Google, iHeart, Amazon, PodBean. https://www.cleoyogafinance.com/podcast   If you enjoy the show, please subscribe on Youtube, or subscribe, rate and review on Apple or Spotify.   Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community   Join me on the first Sunday of every month at 11:00am CST for a Money Yoga Session https://www.cleoyogafinance.com/money-yoga   Order Your Financial Affirmation Cards  https://www.cleoyogafinance.com/offers/financial-affirmations   Let's Stay Connected:    Instagram  https://www.instagram.com/cleoyogafinance/   YouTube https://www.youtube.com/c/CleoYogaFinance   TikTok https://www.tiktok.com/   LinkedIn https://www.linkedin.com/in/cleochildress/   Twitter https://twitter.com/cleoyogafinance   Facebook https://www.facebook.com/CleoYogaFinance   Website https://www.cleoyogafinance.com/

We are back with Part 2 of 5 of the Fear Series where I'm sharing some of my fears, why they exist, what I'm doing to push through those fears and how you can do the same.   Today is all about my fear of relationships with people in general. This could be relationships with friends, family, coworkers, people within the community, romantic relationships, business partners, etc.    We all need healthy relationships with people. When you've experienced enough negative situations, we can sometimes put our guard up and not want to deal with people at all.   That is no way to live. Instead of avoiding people, we should learn how to manage our feelings from those negative situations and move differently to attract healthier and more fulfilling relationships with people.   00:00 - Let your guard down 00:29 - Intro 00:48 - Part 2 of 5 (Fear Series)  01:08 - Fear of Relationships with People In General 03:25 - How to push through this fear  05:33 - Daily money habits text community 06:44 - Be intentional 08:49 - Do you have any fears around relationships with people? 09:39 - Wrap up __ Watch this episode on YouTube: https://youtu.be/sCy7HGRVH9U   The Financially Free with Cleo Podcast is also available on Apple, Spotify, Google, iHeart, Amazon, PodBean. https://www.cleoyogafinance.com/podcast   If you enjoy the show, please subscribe on Youtube, or subscribe, rate and review on Apple or Spotify.   Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community   Join me on the first Sunday of every month at 11:00am CST for a Money Yoga Session https://www.cleoyogafinance.com/money-yoga   Order Your Financial Affirmation Cards  https://www.cleoyogafinance.com/offers/financial-affirmations   Let's Stay Connected:    Instagram  https://www.instagram.com/cleoyogafinance/   YouTube https://www.youtube.com/c/CleoYogaFinance   TikTok https://www.tiktok.com/   LinkedIn https://www.linkedin.com/in/cleochildress/   Twitter https://twitter.com/cleoyogafinance   Facebook https://www.facebook.com/CleoYogaFinance   Website https://www.cleoyogafinance.com/

Welcome to the 5-Part Fear Series where I share my fears, why they exist, what I'm doing to push through those fears and how you can do the same.   Acknowledging fears isn't always easy, but it's necessary. Ignoring your fears or being in denial about your fears can keep you stuck in a life you are not happy with.   Being honest about your fears and taking action to push through them allows you to truly live the lifestyle you desire.     In Part 1, I shared my fear of being broke. I struggled with money starting at 17 years old when I became a teen mom and started taking out student loan debt for college.    Then I got credit cards, payday loans, car loans, past due rent and utility bills, disconnection notices, car repossessions, wage garnishments, living paycheck to paycheck and evictions.    The financial trauma of my past still has a little hold on me because I never want to go back to where I was. Although I have overcome plenty of money challenges and accomplished a lot of money goals, part of me still fear going back to my broke days.    00:00 - Feelings of being broke 00:37 - Intro (Dance Break) 00:56 - Part 1 of 5 (Fear Series)  01:24 - The Morning Meet Up 02:26 - Fear of Being Broke  04:24 - Daily Money Habits Text Community 05:35 - Broke Mindset 06:50 - How to push through this fear  08:21 - Do you have any money fears? 9:33 - Wrap up   __ Watch this episode on YouTube: https://youtu.be/5vTMrcYta_s   The Financially Free with Cleo Podcast is also available on Apple, Spotify, Google, iHeart, Amazon, PodBean. https://www.cleoyogafinance.com/podcast   If you enjoy the show, please subscribe on Youtube, or subscribe, rate and review on Apple or Spotify.   Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community   Join me on the first Sunday of every month at 11:00am CST for a Money Yoga Session https://www.cleoyogafinance.com/money-yoga   Order Your Financial Affirmation Cards  https://www.cleoyogafinance.com/offers/financial-affirmations   Let's Stay Connected:    Instagram  https://www.instagram.com/cleoyogafinance/   YouTube https://www.youtube.com/c/CleoYogaFinance   TikTok https://www.tiktok.com/   LinkedIn https://www.linkedin.com/in/cleochildress/   Twitter https://twitter.com/cleoyogafinance   Facebook https://www.facebook.com/CleoYogaFinance   Website https://www.cleoyogafinance.com/

REWIND: This week we are sharing our first "rewind" episode, which is flashing back to episode 17 with Ron Hodges, co-owner of The Barkley and Hodges Group, a real estate company in Nashville, TN.    Ron is also a long time friend of mine from high school. He shared lessons learned from college life, career transitions and how he's making an impact in the real estate industry today.    My top favorite quotes from Ron in this episode:    "Don't wait on other people to make a move."   "Vet your friends and the people you invest with."   "Connect with the right people to help you get to where you need to be."   "Work your connections."   "A BUT is a WHAT IF. You can WHAT IF and BUT yourself out of what's really meant for you."   "Just because something feels safe doesn't mean that's what you need to stick with."   "Never stop learning or asking questions."   2:10 How Ron grew up and first learned about money  4:37 One of the major keys Ron has learned thus far  6:45 Credit experiences 8:20 Biggest money lessons learned and another major key 21:30 What being financially free means to Ron  28:33 How Ron transitioned from Accountant to Real Estate Agent 44:01 How to prepare for buying or selling a home 1:05:13 Fun QA with Ron 1:20:12 Ron's response to his financial affirmation card 1:25:50 Advice Ron would give to himself right now 1:28:29 How to connect with Ron Hodges or start your next home buying or selling experience    Connect with Ron Hodges:    Ron's Instagram:  https://www.instagram.com/mrexekutive/   Barkley and Hodges Group Instagram: https://www.instagram.com/barkleyhodgesgroup/   Website:  https://barkleyhodgesgroup.com/   Facebook: https://www.facebook.com/BarkleyHodgesGroup   __ Watch this episode on YouTube: https://youtu.be/Nmgg2_0BuHM   The Financially Free with Cleo Podcast is also available on Apple, Spotify, Google, iHeart, Amazon, PodBean. https://www.cleoyogafinance.com/podcast   If you enjoy the show, please subscribe on Youtube, or subscribe, rate and leave a review on Apple or Spotify!   Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community https://www.cleoyogafinance.com/offers/daily-money-habits-text-community   Join me on the first Sunday of every month at 11:00am CST for a Money Yoga Session https://www.cleoyogafinance.com/money-yoga   Grab Your Financial Affirmation Cards  https://www.cleoyogafinance.com/offers/financial-affirmations   Let's Stay Connected:    Instagram  https://www.instagram.com/cleoyogafinance/   YouTube https://www.youtube.com/c/CleoYogaFinance   TikTok https://www.tiktok.com/   LinkedIn https://www.linkedin.com/in/cleochildress/   Twitter https://twitter.com/cleoyogafinance   Facebook https://www.facebook.com/CleoYogaFinance   Website https://www.cleoyogafinance.com/

Some people make money moves using their own money. Others use credit. Credit isn't bad, but it can be when not used properly.    Creating a plan that aligns with your borrowing goals is so important.   This week, Sakai McClam with Speak Sakia, joins us on episode 57. She is a Credit Coach & Published Author based in South Florida.   Sakia to explains how we can improve our credit history so we can be in the best position to leverage credit for the things we need and want.    She also explained the difference between credit repair vs credit coaching and which option you may need right now.    00:00 Credit repair lies  00:34 Intro 00:53 Welcome Sakia McClam with Speak Sakia  01:52 Why Sakia decided to specialize in credit 05:08 How to choose the right credit repair company 07:04 What to expect once you start working with a credit repair company 09:04 Daily money habits text community 10:14 Credit repair vs credit coaching  11:12 Pyramid credit repair companies  13:16 Importance of teaching kids about money 17:50 Difference between teaching kids and adults about money 23:53 Sakia's 5 Day Money Academy  24:36 Avoiding desperation 25:53 Sakia's virtual classes for kids  26:17 First steps to improving credit history  33:05 Money yoga class 33:43 Which proof to accept from debt buyers and collection companies  37:59 Can debts come back on credit reports after they have fallen off? 40:43 PTSD (Post Traumatic Stress Disorder) after bad financial experiences 43:45 Relationships and Money 53:42 How to connect with Sakia McClam with Speak Sakia 54:51 Sakia's response to her financial affirmation 56:21 Wrap up  57:32 Cleo's response to her financial affirmation from Sakia 59:17 Final words from Sakia 01:02:34 Final words from Cleo  01:03:12 Outro   Connect with our guest Sakia McClam:   Instagram: https://www.instagram.com/speak_sakia/ TikTok: https://www.tiktok.com/@speaksakia Twitter: https://twitter.com/speaksakia Facebook: https://www.facebook.com/speaksakia YouTube: https://www.youtube.com/channel/UCAB22fYQn7NiAhCQ6o--YAA   Check our Sakia's template and tips on how to remove late payments and repair your credit: https://www.speaksakia.com/ __ The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast   If you enjoy the show and want to support it, please subscribe on Youtube, or subscribe, rate and leave a review on Apple or Spotify . We appreciate it!   Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community https://www.cleoyogafinance.com/offers/daily-money-habits-text-community   Join me on the first Sunday of every month at 11:00am CST for a Money Yoga Session https://www.cleoyogafinance.com/money-yoga   Grab Your Financial Affirmation Cards  https://www.cleoyogafinance.com/offers/financial-affirmations   Let's Stay Connected:    Instagram  https://www.instagram.com/cleoyogafinance/   YouTube https://www.youtube.com/c/CleoYogaFinance   TikTok https://www.tiktok.com/   LinkedIn https://www.linkedin.com/in/cleochildress/   Twitter https://twitter.com/cleoyogafinance   Facebook https://www.facebook.com/CleoYogaFinance   Website https://www.cleoyogafinance.com/

Sometimes we think about our financial mistakes and regret some of the decisions we have made.    We later realize that those "financial mistakes" are lessons learned. Lessons that have built our skills, knowledge and character.    Instead of regretting your past, embrace it. Be proud. Use that energy to continue living a lifestyle you desire. It only goes up from here.    Barry Spencer, author of "Wealth With No Regrets" joins us this week to explain how we all can have wealth with no regrets and use our lessons learned to guide us on our journey.     00:00 - It's never too late 00:35 - Intro 00:55 - This week's guest Barry Spencer 01:31 - When and How Barry first learned about money 03:18 - Importance of investing at a young age  04:46 - What is a mutual fund? 06:31 - What to do if you feel like you've waited too late to invest 08:52 - Daily money habits text community 10:02 - Take responsibility 11:28 - Preparing for unexpected life events 14:55 - How Barry created wealth with no regrets 17:55 - Money yoga class 18:34 - Barry's pain from settling his father's estate 20:45 - Choosing the right professional to help you 22:53 - Three principles to follow when getting your finances in order  29:53 - Life lessons from being a four time Ironman and elite triathlete 38:10 - Barry's reaction to his financial affirmation 39:47 - How to connect with Barry Spencer 41:24 - Final words: make a commitment  42:15 - Wrap up 43:09 - Outro   Connect with Barry Spencer and let him know you heard him on the podcast:   Website: www.wealthwithnoregrets.com Email: barry@wealthwithnoregrets.com Phone: 678-278-9632   Check out Barry Spencer's book: “The Secret of Wealth With No Regrets” https://www.amazon.com/Secret-Wealth-No-Regrets/dp/0615848931   __ The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast   If you enjoy the show, we would love your support by  subscribing on Youtube, or subscribe, rate and leave a review on Apple or Spotify.    Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community https://www.cleoyogafinance.com/offers/daily-money-habits-text-community   Join me on the first Sunday of every month at 11:00am CST for a Money Yoga Session https://www.cleoyogafinance.com/money-yoga   Grab Your Financial Affirmation Cards  https://www.cleoyogafinance.com/offers/financial-affirmations   Let's Stay Connected:    Instagram  https://www.instagram.com/cleoyogafinance/   YouTube https://www.youtube.com/c/CleoYogaFinance   TikTok https://www.tiktok.com/   LinkedIn https://www.linkedin.com/in/cleochildress/   Twitter https://twitter.com/cleoyogafinance   Facebook https://www.facebook.com/CleoYogaFinance   Website https://www.cleoyogafinance.com/

No one is 100% safe when it comes to identity theft. It can happen to anyone, individuals and businesses.    Do your best to protect yourself, but the most important thing you can do is to understand what you need to do if you become (or think you are) a victim of identity theft.    I recently experienced an identity theft situation. In this episode, I'm sharing what happened to me, my next steps, and what you can do if this happens to you.    Check out this identity theft repair kit I received from my bank: https://bit.ly/3hM8itG   00:00 - Nothing is 100% safe or protected 00:24 - Intro  00:04 - Managing identity theft  01:13 - It can happen to anyone (individuals and businesses)  03:08 - Someone stole my identity  07:04 - Daily money habits text community  08:14 - My bank took action immediately 11:45 - What to do if you're a victim of identity theft 13:00 - Contact your bank ASAP 14:14 - Money Yoga Class 14:52 - Fraud alerts and credit freezes 15:52 - Monitoring credit reports often 16:50 - Check banking history 18:14 - Contact creditors and utilities 19:22 - File police report  20:58 - File report with FTC (Federal Trade Commission) 21:32 - Check with the DMV (Department of Motor Vehicles) 22:23 - Check with IRS (Internal Revenue Service) 22:50 - Check with USPS (United States Post Office) 23:02 - Check with Social Security Office  23:19 - Check with the US Department of State  23:38 - Continue to monitor everything 25:10 - Them scammers, hackers and thieves need to cut it out  26:16 - Wrap up 27:41 - Outro __ The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast   If you enjoy the show and want to support it, please subscribe on Youtube, or subscribe, rate and leave a review on Apple or Spotify . We appreciate it!   Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community https://www.cleoyogafinance.com/offers/daily-money-habits-text-community   Join me on the first Sunday of every month at 11:00am CST for a Money Yoga Session https://www.cleoyogafinance.com/money-yoga   Grab Your Financial Affirmation Cards  https://www.cleoyogafinance.com/offers/financial-affirmations   Let's Stay Connected:    Instagram  https://www.instagram.com/cleoyogafinance/   YouTube https://www.youtube.com/c/CleoYogaFinance   TikTok https://www.tiktok.com/   LinkedIn https://www.linkedin.com/in/cleochildress/   Twitter https://twitter.com/cleoyogafinance   Facebook https://www.facebook.com/CleoYogaFinance   Website https://www.cleoyogafinance.com/

Robert Fortune returns to the show to talk about what the black wealth gap really means and what we can do now to close it for ourselves, families and communities.   According to the Federal Reserve, the average Black and Hispanic or Latino households (in the United States) earn about half as much as the average White household and own only about 15 to 20 percent as much net wealth.   Read the full article here: https://www.federalreserve.gov/econres/notes/feds-notes/wealth-inequality-and-the-racial-wealth-gap-20211022.htm    #BlackWealthGap #FinancialLiteracy #FinanciallyFreeWithCleo   00:00:00 - Easier to get info these days  00:00:25 - Intro 00:00:45 - Welcome back to another episode with Cleo and Robert Fortune  00:01:23 - How is Robert's week REALLY going 00:02:53 - Becoming aware of the black wealth gap 00:03:19 - What is the black wealth gap? 00:05:35 - Daily money habits text community 00:06:45 - Wealth means different things to different people 00:09:13 - Shifting from consumer to investor  00:14:19 - Keep it real with yourself 00:15:33 - When you're young you think you have plenty of time 00:18:32 - No regrets  00:25:50 - Setting boundaries with helping friends and family  00:34:35 - Higher paying jobs vs financial literacy 00:39:15 - Money yoga class 00:39:53 - More money allows you to become more of what you already are 00:42:29 - You can make six figures and still live paycheck to paycheck 00:44:04 - Don't cash out your 401K 00:45:37 - Celebrate all wins, the big, small and the underestimated.  00:47:27 - Cost of living comparisons 00:49:18 - Financial therapy  01:02:32 - Three ways to start closing the black wealth gap 01:14:39 - How to connect with Robert Fortune 01:18:40 - When I quit a high paying job to get my yoga certification 01:21:48 - Mention CLEO for a free consultation with Robert Fortune 01:22:43 - Final words from Robert Fortune  01:23:25 - Wrap up 01:23:58 - Outro   Connect with our guest Robert Fortune. Mention CLEO and get a FREE financial consultation:    Website: https://www.fortunecapllc.com/ Email: rfortune@fortuneadvisoryllc.com Business Instagram: @fortune_advisory https://www.instagram.com/fortune_advisory/ Personal Instagram: @newmoneyfortune https://www.instagram.com/newmoneyfortune/   __ The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast   If you enjoy the show and want to support it, please subscribe on Youtube, or subscribe, rate and leave a review on Apple or Spotify . We appreciate it!   Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community https://www.cleoyogafinance.com/offers/daily-money-habits-text-community   Join me on the first Sunday of every month at 11:00am CST for a Money Yoga Session https://www.cleoyogafinance.com/money-yoga   Grab Your Financial Affirmation Cards  https://www.cleoyogafinance.com/offers/financial-affirmations   Let's Stay Connected:    Instagram  https://www.instagram.com/cleoyogafinance/   YouTube https://www.youtube.com/c/CleoYogaFinance   TikTok https://www.tiktok.com/   LinkedIn https://www.linkedin.com/in/cleochildress/   Twitter https://twitter.com/cleoyogafinance   Facebook https://www.facebook.com/CleoYogaFinance   Website https://www.cleoyogafinance.com/

The cost of living is going up everywhere.   Let's focus less on complaining and more on what we can control, which is our ability to earn more money so we can have more options.    0:00 Quitting Jobs 0:17 Intro 0:37 Keeping up with the cost of living 2:13 Focus more on making more money 2:31 Cost of living is going up everywhere 3:38 Ask your employer for more money 5:02 Nothing wrong with job hopping 5:39 Negotiate and leverage your experience  6:39 Daily money habits text community 7:50 Side hustles  9:06 We going to spend money regardless of the struggle 10:28 Evaluate your skills 10:43 Making more money will always be at the top of list  11:13 Do we really keep up with the cost of living? 12:54 Moving on to the next job 13:43 Money yoga class 14:21 Making more money doing the same job 15:54 Don't worry about cost of living going up 16:35 What to do next  16:57 Negotiate other benefits  18:27 Don't worry 18:45 Ask for what you want  19:41 See you next week  19:59 Outro __ The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast   If you enjoy the show and want to support it, please subscribe on Youtube, or subscribe, rate and leave a review on Apple or Spotify . We appreciate it!   Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community https://www.cleoyogafinance.com/offers/daily-money-habits-text-community   Join me on the first Sunday of every month at 11:00am CST for a Money Yoga Session https://www.cleoyogafinance.com/money-yoga   Grab Your Financial Affirmation Cards  https://www.cleoyogafinance.com/offers/financial-affirmations   Let's Stay Connected:    Instagram  https://www.instagram.com/cleoyogafinance/   YouTube https://www.youtube.com/c/CleoYogaFinance   TikTok https://www.tiktok.com/   LinkedIn https://www.linkedin.com/in/cleochildress/   Twitter https://twitter.com/cleoyogafinance   Facebook https://www.facebook.com/CleoYogaFinance   Website https://www.cleoyogafinance.com/

Working a job can be great. Growing a business can be great. Managing them both can also be great, but sometimes it's not.    It can be stressful and overwhelming managing a job, a business, family and other responsibilities.    The good news is there is always something you can do to make it all just a little bit easier. If you're juggling both it will never be perfect, but overall you want to wake up and enjoy doing what you do.    #Entrepreneurship #Podcast #FinanciallyFreeWithCleo   0:00 - Move your body 0:22 - Intro 0:43 - Juggling jobs and businesses 3:33 - There is no work life balance 4:07 - Time blocking 6:41 - Daily money habits text community  7:52 - Do not disturb 10:01 - Take breaks 11:51 - Money Yoga Class 12:28 - Putting too much on our plate with no breaks 14:10 - Keep personal and business finances separate 15:31 - Get help ASAP 18:09 - Quick recap and wrap up 20:29 - Outro __ The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast   If you enjoy the show and want to support it, please subscribe on Youtube, or subscribe, rate and leave a review on Apple or Spotify . We appreciate it!   Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community https://www.cleoyogafinance.com/offers/daily-money-habits-text-community   Join me on the first Sunday of every month at 11:00am CST for a Money Yoga Session https://www.cleoyogafinance.com/money-yoga   Grab Your Financial Affirmation Cards  https://www.cleoyogafinance.com/offers/financial-affirmations   Let's Stay Connected:    Instagram  https://www.instagram.com/cleoyogafinance/   YouTube https://www.youtube.com/c/CleoYogaFinance   TikTok https://www.tiktok.com/   LinkedIn https://www.linkedin.com/in/cleochildress/   Twitter https://twitter.com/cleoyogafinance   Facebook https://www.facebook.com/CleoYogaFinance   Website https://www.cleoyogafinance.com/

***Super Bowl***   Super Bowl LVI is Sunday February 13th with the Los Angeles Rams vs Cincinnati Bengals at 3:30am PST. Which team are you going for? What's your favorite game day snacks?    Check out this CBS Sports article with some top game day snack ideas:   https://www.cbssports.com/nfl/news/super-bowl-food-2022-staff-picks-for-top-super-bowl-lvi-party-snacks-entrees-desserts/   Valentine's Day is Monday February 14th. Whether you're single or in a relationship, there is always something relaxing or fun to do.    ***Valentines Day***   Valentine's Day Ideas for Singles  https://www.womenshealthmag.com/sex-and-love/a30547788/what-to-do-single-on-valentines-day/   Valentine's Day Ideas for Couples https://www.womenshealthmag.com/relationships/a26102865/valentines-day-date-ideas/   ***Flights***   Best sites to search for flight deals:   https://www.skyscanner.com/   https://www.google.com/travel/flights   https://www.kayak.com/   https://www.momondo.com/   #ValentinesDay #Superbowl #FinanciallyFreeWithCleo   Every Thursday 12:00pm - 12:30pm CST is the LIVE Money Mindset Edition of Financially Free with Cleo Podcast.    We will discuss trending topics, current events, and everything you should know to shift your money mindset so you can live financially free. Join in on the conversations!   __ The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast   Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community https://www.cleoyogafinance.com/offers/daily-money-habits-text-community   Join me every Sunday at 11:00am CST for a Money Yoga Session https://www.cleoyogafinance.com/money-yoga   Grab Your Financial Affirmation Cards  https://www.cleoyogafinance.com/offers/financial-affirmations   Let's Stay Connected:    Instagram  https://www.instagram.com/cleoyogafinance/   YouTube https://www.youtube.com/c/CleoYogaFinance   TikTok https://www.tiktok.com/   LinkedIn https://www.linkedin.com/in/cleochildress/   Twitter https://twitter.com/cleoyogafinance   Facebook https://www.facebook.com/CleoYogaFinance   Website https://www.cleoyogafinance.com/

Managing money when you're single vs in a relationship are two different worlds.   Get your money right while you're single so you can show up as your best self when you do decide to get into a healthy romantic relationship.    #SingleLife #Podcast #FinanciallyFreeWithCleo   0:00 - Communicating about money  2:23 - Intro  0:43 - 50th episode  2:00 - Getting your money right in your single life 3:25 - Understand your earning potential  6:36 - Master money management skills  7:29 - Daily money habits text community  8:40 - Managing money while single vs in a relationship 10:30 - Strengthen your financial communication 12:48 - Money Yoga Class  13:27 - Money Struggles  15:50 - Understand Your Numbers  19:35 - Hire a relationship coach and money coach  22:22 - Nothing is wrong with being single 25:26 - Quick recap  25:48 - Wrap up  26:50 - Outro    __ The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast   If you enjoy the show and want to support it, please subscribe on Youtube, or subscribe, rate and leave a review on Apple or Spotify . We appreciate it!   Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community https://www.cleoyogafinance.com/offers/daily-money-habits-text-community   Join me on the first Sunday of every month at 11:00am CST for a Money Yoga Session https://www.cleoyogafinance.com/money-yoga   Grab Your Financial Affirmation Cards  https://www.cleoyogafinance.com/offers/financial-affirmations   Let's Stay Connected:    Instagram  https://www.instagram.com/cleoyogafinance/   YouTube https://www.youtube.com/c/CleoYogaFinance   TikTok https://www.tiktok.com/   LinkedIn https://www.linkedin.com/in/cleochildress/   Twitter https://twitter.com/cleoyogafinance   Facebook https://www.facebook.com/CleoYogaFinance   Website https://www.cleoyogafinance.com/

This week has been full of heavy conversations about mental health and suicide, especially after the recent news of a few people committing suicide.    Money struggles is at the top of the list for people who have either committed suicide or thought about it.    0:00 Welcome  0:35 - Mental Health, Suicide and Money  10:06 - Do something fun to release and relax 12:31 - Vent to a friend because it's unhealthy to hold it in 14:46 - Hire a professional because you can't do it alone  20:07 - Join a community of people you relate to and can learn from  22:01 - Wrap up   #Suicide #Podcast #FinanciallyFreeWithCleo   Every Thursday 12:00pm - 12:30pm CST is the LIVE Money Mindset Edition of Financially Free with Cleo Podcast.    We will discuss trending topics, current events, and everything you should know to shift your money mindset so you can live financially free. Join in on the conversations!   __ The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast   Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community https://www.cleoyogafinance.com/offers/daily-money-habits-text-community   Join me every Sunday at 11:00am CST for a Money Yoga Session https://www.cleoyogafinance.com/money-yoga   Grab Your Financial Affirmation Cards  https://www.cleoyogafinance.com/offers/financial-affirmations   Let's Stay Connected:    Instagram  https://www.instagram.com/cleoyogafinance/   YouTube https://www.youtube.com/c/CleoYogaFinance   TikTok https://www.tiktok.com/   LinkedIn https://www.linkedin.com/in/cleochildress/   Twitter https://twitter.com/cleoyogafinance   Facebook https://www.facebook.com/CleoYogaFinance   Website https://www.cleoyogafinance.com/

It's Black History Month!    Although we celebrate all things black all year around, let's make sure we are intentional about learning something new about Black History and sharing something we already know with someone else.    This week I'm sharing 3 Lies About Black People that I was once told.    0:00 Couldn't breathe when I jumped out of a plane 0:17 Intro  0:37 It's Back History Month  2:36 Lie #1 - Black people don't sky dive  6:34 Commercial Break - Money Yoga Session  9:09 Lie #2 - Black people don't live in Nashville, TN  13:19 Lie #3 - Black students aren't ready for HBCU if they attended all white middle school  18:25 What to do for black history month  18:46 Daily Money Habits Text Community  21:17 Outro    Check out Will Smith's video: "What skydiving taught me about fear" https://youtu.be/bFIB05LGtMs __ The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast   If you enjoy the show and want to support, please subscribe on Youtube, or subscribe, rate and leave a review on Apple or Spotify . We appreciate it!   Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community https://www.cleoyogafinance.com/offers/daily-money-habits-text-community   Join me every Sunday at 11:00am CST for a Money Yoga Session https://www.cleoyogafinance.com/money-yoga   Grab Your Financial Affirmation Cards  https://www.cleoyogafinance.com/offers/financial-affirmations   Let's Stay Connected:    Instagram  https://www.instagram.com/cleoyogafinance/   YouTube https://www.youtube.com/c/CleoYogaFinance   TikTok https://www.tiktok.com/   LinkedIn https://www.linkedin.com/in/cleochildress/   Twitter https://twitter.com/cleoyogafinance   Facebook https://www.facebook.com/CleoYogaFinance   Website https://www.cleoyogafinance.com/

We discussed the following...   0:00 Welcome  0:52 Blocking access to financial education for alternative school students  7:52 Lil Duval Twitter post about going to therapy before a vacation 13:42 Evaluate your inner circle  18:10 Check-in on money goals    Facebook post discussed in this episode: https://bit.ly/3rTwnna Twitter post discussed in this episode: https://bit.ly/3fZzGUh   #MoneyMindset #Podcaster #FinanciallyFreeWithCleo   Every Thursday 12:00pm - 12:30pm CST is the LIVE Money Mindset Edition of Financially Free with Cleo Podcast.    We will discuss trending topics, current events, and everything you should know to shift your money mindset so you can live financially free. Join in on the conversations!   __ The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast   Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community https://www.cleoyogafinance.com/offers/daily-money-habits-text-community   Join me every Sunday at 11:00am CST for a Money Yoga Session https://www.cleoyogafinance.com/money-yoga   Grab Your Financial Affirmation Cards  https://www.cleoyogafinance.com/offers/financial-affirmations   Let's Stay Connected:    Instagram  https://www.instagram.com/cleoyogafinance/   YouTube https://www.youtube.com/c/CleoYogaFinance   TikTok https://www.tiktok.com/   LinkedIn https://www.linkedin.com/in/cleochildress/   Twitter https://twitter.com/cleoyogafinance   Facebook https://www.facebook.com/CleoYogaFinance   Website https://www.cleoyogafinance.com/

It's the final week of our Start Fresh 4-Week Series   Think about your daily money habits. What are some positive habits? What are some negative habits?    Which habits are pushing you closer to your money goals and which are pulling you farther away?   The key is adding more positive habits and gradually removing more negative habits. There is no perfect balance, but there is always a need to continue learning, growing and taking action daily.    #Habits #Podcast #FinanciallyFreeWithCleo   0:00 - Get back on track  0:13 - Intro  0:32 - Final Week of Start Fresh 4-Week Series 0:57 - Habits expose our truths 5:22 - More income vs money management  6:47 - How are you handling your money right now?  7:36 - Money dates 9:20 - Commercial Break (Money Yoga Session) 10:01 - Money dates continued 11:18 - Find someone to talk to  12:30 - Believe it in your mind and heart first 14:00 - Nurture your relationships 14:40 - Evaluate your habits  17:16 - Ask for help  20:24 - What you need to do next 21:05 - Daily Money Habits Text Community 23:25 - Wrap up  23:42 - Outro   Video mentioned in this episode: "More Income vs Money Management" https://youtu.be/eRgiEvZ1s1k __ The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast   If you enjoy the show, please subscribe, rate and leave a review. We appreciate the support.    Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community https://www.cleoyogafinance.com/offers/daily-money-habits-text-community   Join me every Sunday at 11:00am CST for a Money Yoga Session https://www.cleoyogafinance.com/money-yoga   Grab Your Financial Affirmation Cards  https://www.cleoyogafinance.com/offers/financial-affirmations   Let's Stay Connected:    Instagram  https://www.instagram.com/cleoyogafinance/   YouTube https://www.youtube.com/c/CleoYogaFinance   TikTok https://www.tiktok.com/   LinkedIn https://www.linkedin.com/in/cleochildress/   Twitter https://twitter.com/cleoyogafinance   Facebook https://www.facebook.com/CleoYogaFinance   Website https://www.cleoyogafinance.com/

We discussed gentrification, why we should change our lifestyle to afford the new cost of living and a personal finance calendar to help you spread your goals throughout the year.    Article mentioned in this show: https://www.schwab.com/resource-center/insights/content/personal-finance-calendar   #MoneyMindset #Podcaster #FinanciallyFreeWithCleo   Every Thursday 12:00pm - 12:30pm CST is the LIVE Money Mindset Edition of Financially Free with Cleo Podcast.    We will discuss trending topics, current events, and everything you should know to shift your money mindset so you can live financially free. Join in on the conversations!   __ The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast   Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community https://www.cleoyogafinance.com/offers/daily-money-habits-text-community   Join me every Sunday at 11:00am CST for a Money Yoga Session https://www.cleoyogafinance.com/money-yoga   Grab Your Financial Affirmation Cards  https://www.cleoyogafinance.com/offers/financial-affirmations   Let's Stay Connected:    Instagram  https://www.instagram.com/cleoyogafinance/   YouTube https://www.youtube.com/c/CleoYogaFinance   TikTok https://www.tiktok.com/   LinkedIn https://www.linkedin.com/in/cleochildress/   Twitter https://twitter.com/cleoyogafinance   Facebook https://www.facebook.com/CleoYogaFinance   Website https://www.cleoyogafinance.com/

Sometimes we delay taking the first or next step because we think we aren't ready or it's not the right time. It will never be the right time. You will always think you need more to start.    Start with who you are and what you have. As you do the work, you'll be provided with everything and everyone you need along the way.    0:00 - 0:26 Putting int the work  0:27 - 0:46 Intro  0:47 - 4:12 Starting before you're ready  4:13 - 7:32 My favorite Martin Luther King Jr Quote  7:33 - 9:36 Life it short  9:37 - 10:22 None of us are perfect 10:23 - 11:03 Commercial Break: Money Yoga Session 11:04 - 12:36 Next 12 months of your life  12:37 - 16:30 Excuses 16:31 - 19:23 Daily Money Habits Text Community  19:24 - 19:35 Outro __ The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast   If you enjoy the show, please subscribe, rate and leave a review. We appreciate the support.    #StartNow #Podcast #FinanciallyFreeWithCleo   Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community https://www.cleoyogafinance.com/offers/daily-money-habits-text-community   Join me every Sunday at 11:00am CST for a Money Yoga Session https://www.cleoyogafinance.com/money-yoga   Grab Your Financial Affirmation Cards  https://www.cleoyogafinance.com/offers/financial-affirmations   Let's Stay Connected:    Instagram  https://www.instagram.com/cleoyogafinance/   YouTube https://www.youtube.com/c/CleoYogaFinance   TikTok https://www.tiktok.com/   LinkedIn https://www.linkedin.com/in/cleochildress/   Twitter https://twitter.com/cleoyogafinance   Facebook https://www.facebook.com/CleoYogaFinance   Website https://www.cleoyogafinance.com/

What 3 professionals would you hire to make your personal or professional life easier?    Sometimes we get busy and overwhelmed trying to do everything ourselves, but sometimes it feels great to get someone else to help and take the load off.    I would hire a chef, makeup artist and a handyman/mechanic. Let me know who you would hire.   Every Friday at 8:00am CST is "Question of The Day Edition" of Financially Free with Cleo Podcast!   __ The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast   Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community https://www.cleoyogafinance.com/offers/daily-money-habits-text-community   Join me every Sunday at 11:00am CST for a Money Yoga Session https://www.cleoyogafinance.com/money-yoga   Grab Your Financial Affirmation Cards  https://www.cleoyogafinance.com/offers/financial-affirmations   Let's Stay Connected:    Instagram  https://www.instagram.com/cleoyogafinance/   YouTube https://www.youtube.com/c/CleoYogaFinance   TikTok https://www.tiktok.com/   LinkedIn https://www.linkedin.com/in/cleochildress/   Twitter https://twitter.com/cleoyogafinance   Facebook https://www.facebook.com/CleoYogaFinance   Website https://www.cleoyogafinance.com/

Today we talked about budgeting myths. Here's the article discussed during this episode:  https://www.ramseysolutions.com/budgeting/budgeting-myths   Every Thursday 12:00pm - 12:30pm CST is the LIVE Money Mindset Edition of Financially Free with Cleo Podcast.    We will discuss trending topics, current events, and everything you should know to shift your money mindset so you can live financially free. Join in on the conversations!   __ The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast   Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community https://www.cleoyogafinance.com/offers/daily-money-habits-text-community   Join me every Sunday at 11:00am CST for a Money Yoga Session https://www.cleoyogafinance.com/money-yoga   Grab Your Financial Affirmation Cards  https://www.cleoyogafinance.com/offers/financial-affirmations   Let's Stay Connected:    Instagram  https://www.instagram.com/cleoyogafinance/   YouTube https://www.youtube.com/c/CleoYogaFinance   TikTok https://www.tiktok.com/   LinkedIn https://www.linkedin.com/in/cleochildress/   Twitter https://twitter.com/cleoyogafinance   Facebook https://www.facebook.com/CleoYogaFinance   Website https://www.cleoyogafinance.com/

Part 2 of the Start Fresh 4 Week Series created to help you reach your money and life goals in 2022.    Sometimes we go with the flow in life, but that doesn't always work. When we desire something, we must be intentional about how we make space for it in our life. Start with creating a theme to help guide over the next 12 months.    Some days will be easy, some will be difficult. No matter the day, you'll always take action that aligns with your theme to help you reach your goals. No more moving the goals to the next year, if we don't have to. Next year you will be glad you put in the work this year.    Breakdown of what's included in this episode:   0:00 - 0:33 - Living paycheck to paycheck  0:34 - 0:52 Intro  0:53 - 5:16 Choosing a theme for your life  5:17 - 7:29 Paying cash for a car 7:30 - 8:10 Commercial Break: Money Yoga Session 8:11 - 9:18 Be specific and organized with goals  9:19 - 10:32 Focus on your own powerful journey 10:33 - 15:13 Relax and sleep more  15:14 - 17:24 Decide what YOU want 17:25 - 19:36 Daily Money Habits Text Community 19:37 - 19:48 Outro    The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast   If you enjoy the show, please subscribe, rate and leave a review. We appreciate the support.    Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community https://www.cleoyogafinance.com/offers/daily-money-habits-text-community   Join me every Sunday at 11:00am CST for a Money Yoga Session https://www.cleoyogafinance.com/money-yoga   Grab Your Financial Affirmation Cards  https://www.cleoyogafinance.com/offers/financial-affirmations   Let's Stay Connected:    Instagram  https://www.instagram.com/cleoyogafinance/   YouTube https://www.youtube.com/c/CleoYogaFinance   TikTok https://www.tiktok.com/   LinkedIn https://www.linkedin.com/in/cleochildress/   Twitter https://twitter.com/cleoyogafinance   Facebook https://www.facebook.com/CleoYogaFinance   Website https://www.cleoyogafinance.com/

Every Friday at 8:00am CST is "Question of The Day Edition" of Financially Free with Cleo Podcast!   What would you do today with $20K?   I read an article this week that said 70% of millennials are living paycheck to paycheck. It also said that the older millennials had the brokest energy.    Millennials are ages 25 - 40. Younger millennials are ages 25 - 32. Older millennials are ages 33 - 40. Let's all refuse to be in this brokest energy category.    If you had $20,000 today, what are two things you would do to either pull you out of the brokest energy category or avoid getting into that category?    Let me know in the comments on YouTube!   Articled referenced in this video:  https://www.businessinsider.com/broke-millennials-living-paycheck-economic-crisis-savings-spending-survey-2021-6 __ The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast   Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community https://www.cleoyogafinance.com/offers/daily-money-habits-text-community   Join me every Sunday at 11:00am CST for a Money Yoga Session https://www.cleoyogafinance.com/money-yoga   Grab Your Financial Affirmation Cards  https://www.cleoyogafinance.com/offers/financial-affirmations   Let's Stay Connected:    Instagram  https://www.instagram.com/cleoyogafinance/   YouTube https://www.youtube.com/c/CleoYogaFinance   TikTok https://www.tiktok.com/   LinkedIn https://www.linkedin.com/in/cleochildress/   Twitter https://twitter.com/cleoyogafinance   Facebook https://www.facebook.com/CleoYogaFinance   Website https://www.cleoyogafinance.com/

Every Thursday 12:00pm - 12:30pm CST is the LIVE Money Mindset Edition of Financially Free with Cleo Podcast, live streamed on YouTube.    We discuss trending topics, current events, and everything you should know to shift your money mindset so you can live financially free. Join in on the conversations!   This week we discussed the following:    0:00 - 0:40 (Welcome)   0:41 - 9:44 (70% of Millennials living paycheck to paycheck)   9:45 - 23:56(4 ways to manage money better)   22:57 - 27:17(US has $1.73 Trillion of Student Loan Debt)   27:18 - 32:47 (Why self care is required)   32:48 - 34:47 (Daily money habits text community)    34:48 - 35:03 (See you next week) __ The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast   Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community https://www.cleoyogafinance.com/offers/daily-money-habits-text-community   Join me every Sunday at 11:00am CST for a Money Yoga Session https://www.cleoyogafinance.com/money-yoga   Grab Your Financial Affirmation Cards  https://www.cleoyogafinance.com/offers/financial-affirmations   Let's Stay Connected:    Instagram  https://www.instagram.com/cleoyogafinance/   YouTube https://www.youtube.com/c/CleoYogaFinance   TikTok https://www.tiktok.com/   LinkedIn https://www.linkedin.com/in/cleochildress/   Twitter https://twitter.com/cleoyogafinance   Facebook https://www.facebook.com/CleoYogaFinance   Website https://www.cleoyogafinance.com/

Part 1 of the Start Fresh 4 Week Series created to help you reach your money goals in 2022.    It's a new year, which means many of us are searching for ways to improve our financial lifestyle. Year after year, many of us say, "New Year New Me, then at the end of the year realize we really haven't accomplished much. Why is that?   Why do we feel we need a new year to be a new person and put in the work. Every day is a new opportunity for a fresh start. Let's start 2022 off with grace and intentions.    Breakdown of what's included in this episode:   0:00 - 0:26 Always paid bills late    0:27 - 0:46 Intro   0:47 - 3:15 New year new me is played out     3:16 - 10:22 Eviction taught me a lesson    10:23 - 11:03 Commercial Break: Money Yoga Session   11:04 - 14:46 Mindset shift    14:47 - 16:00 Importance of Being vulnerable    16:01 - 19:06 Change your vocabulary    19:07 - 19:18 What to do next    19:19 - 22:05 Daily Money Habits Text Community    22:06 - 22:26 Wrap up    22:27 - 22:38 Outro    The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) https://www.cleoyogafinance.com/podcast   Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community https://www.cleoyogafinance.com/offers/daily-money-habits-text-community   Join me every Sunday at 11:00am CST for a Money Yoga Session https://www.cleoyogafinance.com/money-yoga   Grab Your Financial Affirmation Cards  https://www.cleoyogafinance.com/offers/financial-affirmations   Let's Stay Connected:    Instagram  https://www.instagram.com/cleoyogafinance/   YouTube https://bit.ly/3qoFL12   TikTok https://www.tiktok.com/   LinkedIn https://www.linkedin.com/in/cleochildress/   Twitter https://twitter.com/cleoyogafinance   Facebook https://www.facebook.com/CleoYogaFinance   Website https://www.cleoyogafinance.com/

Sometimes we desire something for so long, then later realize that what we once desired is no longer the best opportunity for us. And that's ok. We grow and evolve. Sometimes we need to experience things to discover the best path to take. That path can change over time.   I recently made a huge decision, which was letting go of a great opportunity at a new station in Texas. It would have been a two year contract as a Digital New Anchor/Host, which was a dream opportunity. Before my start date I realized that although this was a great opportunity, it was no longer the best opportunity for me in this season of my life.   Breakdown of what's included in this episode:   0:00 - 0:21 Chasing Opportunities 0:21 - 0:40 Intro 0:41 - 1:52 Don't Underestimate You Experiences 1:53 - 12:05 I Wanted To Be A News Reporter 12:06 - 12:46 Commercial Break: Money Yoga Session 12:47 - 17:22 I Accepted The New Station Job But Something Changed 17:23 - 19:01 Letting Go Of My Dream Opportunity  19:02 - 20:00 What or Who Do You Need To Let Go Of? 20:01 - 22:52 Learn How To Make Decision And Not Sit For Too Long 22:53 - 23:04 Ask Yourself: What or Who Do I Need to Let Go Of? 23:05 - 25:08 Join the Daily Money Habits Text Community 25:09 - 25:21 Outro    Special thanks to Cleo Greene (News Anchor WFAA ABC Dallas) and Kamara Daughtry (Digital Career Opportunities Worldwide)   The Financially Free with Cleo Podcast is available on YouTube and all podcasting platforms (Apple, Spotify, Google, iHeart, Amazon, PodBean) cleoyogafinance.com/podcast   Text MONEY HABITS to 615-813-4827 to join the Daily Money Habits Text Community cleoyogafinance.com/offers/daily-money-habits-text-community   Join me every Sunday at 11:00am CST for a Money Yoga Session cleoyogafinance.com/money-yoga   Grab Your Financial Affirmation Cards  cleoyogafinance.com/offers/financial-affirmations   Let's Stay Connected:    Instagram  instagram.com/cleoyogafinance/   YouTube https://bit.ly/3qoFL12   TikTok tiktok.com/@cleoyogafinance   LinkedIn linkedin.com/in/cleochildress/   Twitter twitter.com/cleoyogafinance   Facebook facebook.com/CleoYogaFinance   Website cleoyogafinance.com/

When deciding which financial path to take, it can sometimes become overwhelming.   The first step is to get clear on what YOU need and want for your financial lifestyle. There can be pros and cons to both sides.   Second step is to educate yourself on what is required to have a successful and fulfilling experience, whether if you're choosing to live a debt free lifestyle or credit lifestyle.   Third step is to take action consistently. Things change in the financial world daily. It's great to surround yourself with people and resources to guide you and keep you informed on the journey.   In this episode, I shared my own personal experiences and thoughts on debt free vs credit. There is no right or wrong decision. Choose which route is best for you in this season of your life. You can always make adjustments later.   Do you want to be debt free or would you prefer to manage credit?   Check out this article from Experian "Debt-Free Living: How To Get Out Of Debt For Good" https://www.experian.com/blogs/ask-experian/debt-free-living-how-to-get-out-of-debt-and-stay-out/   Check out this article from NerdWallet "A Simple Recipe For Managing Your Credit Score  https://www.nerdwallet.com/article/finance/simple-way-manage-credit-score   The Financially Free with Cleo Podcast is on Apple Podcasts, Spotify, Google Podcasts and PodBean: https://www.cleoyogafinance.com/podcast   It's also on YouTube at Cleo Yoga Finance: https://bit.ly/3ysfd1s   If you enjoyed this episode, please subscribe, share on social media and tag @cleoyogafinance or leave us a review.   We appreciate your support. See you next week!   Let's Stay Connected:   Website:  https://www.cleoyogafinance.com/   Instagram:  https://www.instagram.com/   Tik Tok: https://www.tiktok.com/@cleoyogafinance   YouTube:  https://www.youtube.com/playlist?list=PLg-f2_aOFMU5ZTwKa0cSgMPXEBkCShlMV   LinkedIn: https://www.linkedin.com/in/cleochildress/   Facebook: https://www.facebook.com/CleoYogaFinance   Twitter: https://twitter.com/cleoyogafinance

When we think about our finances, we often think we need more money. If you received the amount of money you desire right now, would you be ready for it? Would you be ready to deal with the responsibilities and more opportunities it would bring?   Are you willing to try something new to get to the amount of money you desire? Sometimes we have opportunities presented to us that will push us into our next income level, but we don't take that next step?    Why? Many times it's because it's outside of our comfort zone. Even if we desire something, sometimes fear and being uncomfortable causes us to do nothing.    In this episode, I shared my experience with moving outside of my comfort zone to receive a higher income to pay off more debt and improve my money management skills.    How much more money would you like to make each month? What's one thing you're willing to let go of or add to your life to get one step closer to that goal?    The Financially Free with Cleo Podcast is on Apple Podcasts, Spotify, Google Podcasts and PodBean: https://www.cleoyogafinance.com/podcast   It's also on YouTube at Cleo Yoga Finance: https://bit.ly/3ysfd1s   If you enjoyed this episode, please subscribe, share on social media and tag @cleoyogafinance or leave us a review.   We appreciate your support. See you next week!   Let's Stay Connected:   Website:  https://www.cleoyogafinance.com/   Instagram:  https://www.instagram.com/   Tik Tok: https://www.tiktok.com/@cleoyogafinance   YouTube:  https://www.youtube.com/playlist?list=PLg-f2_aOFMU5ZTwKa0cSgMPXEBkCShlMV   LinkedIn: https://www.linkedin.com/in/cleochildress/   Facebook: https://www.facebook.com/CleoYogaFinance   Twitter: https://twitter.com/cleoyogafinance

Every community has it's challenges. Every community has good and bad experiences. No community is perfect.    Although I was born and raised in black communities that others would considered low income or poor, we had (still do) talented, intelligent, creative and genuine people. It's been 8 years since I've relocated away from my hometown in Nashville, TN. I've been able to see how communities operate in so many other states.   I'm excited about the positive change the communities have been making, but there is still more work to do especially when it comes to the financial well being of black communities.    In this episode, I sharing my thoughts on efforts in the black community. I want to see more action and less talking. Instead of complaining and criticizing, we all need to take action to contribute to positive financial change.   Individually we are great, but as a community we are powerful.    What would you like to see done in your community?    The Financially Free with Cleo Podcast is on Apple Podcasts, Spotify, Google Podcasts and PodBean: https://www.cleoyogafinance.com/podcast   It's also on YouTube at Cleo Yoga Finance: https://bit.ly/3ysfd1s   If you enjoyed this episode, please subscribe, share on social media and tag @cleoyogafinance or leave us a review.   We appreciate your support. See you next week!   Let's Stay Connected:   Website:  https://www.cleoyogafinance.com/   Instagram:  https://www.instagram.com/   Tik Tok: https://www.tiktok.com/@cleoyogafinance   YouTube:  https://www.youtube.com/playlist?list=PLg-f2_aOFMU5ZTwKa0cSgMPXEBkCShlMV   LinkedIn: https://www.linkedin.com/in/cleochildress/   Facebook: https://www.facebook.com/CleoYogaFinance   Twitter: https://twitter.com/cleoyogafinance

Travel therapy is a form of self care. The same way we get more sleep, take a relaxing bath, get a massage, talk to a therapist or level up in our finances, is the same way we should give time, money and energy towards traveling.    Whether if your travel experience is a staycation in your city or traveling to the another city, state or country, you get the opportunity to relax, have fun, take a break, meet new people, learn more about new cultures, try new activities, explore new land, and the list goes on.    There's something about getting in the car, on a bus, train, or plane that get's me excited. Travel experiences fuels our mind and body, which helps us become more productive with our day to day responsibilities.    In this episode, you'll learn why I decided to go on a cross country road trip visiting every state in the Unites States of America and why you should start your next travel therapy experience.    What are your travel therapy goals? Where do you want to go? When do you want to go? Who do you want to go with? Which trips will be solo travel?    Check out this Forbes article: Five Reasons Why Traveling Is Good For Your Mental Health   In this episode, I mentioned that I learned about Travel Therapy from Taryn Bushrod. Check out my interview with her on episode 8: Pro Athletes and The Psychology of Money   I also mentioned that Yasmine Bedward suggested visiting cities in the United States of America that I have not been to yet. This inspired me to start my cross country road trip journey now. Check out my interview with her on episode 14: How Storytelling Can Transform Your Finances   The Financially Free with Cleo Podcast is on Apple Podcasts, Spotify, Google Podcasts and PodBean: https://www.cleoyogafinance.com/podcast   It's also on YouTube at Cleo Yoga Finance: https://bit.ly/3ysfd1s   If you enjoyed this episode, please subscribe, share on social media and tag @cleoyogafinance or leave us a review.   We appreciate your support. See you next week!   Let's Stay Connected:   Website:  https://www.cleoyogafinance.com/   Instagram:  https://www.instagram.com/   Tik Tok: https://www.tiktok.com/@cleoyogafinance   YouTube:  https://www.youtube.com/playlist?list=PLg-f2_aOFMU5ZTwKa0cSgMPXEBkCShlMV   LinkedIn: https://www.linkedin.com/in/cleochildress/   Facebook: https://www.facebook.com/CleoYogaFinance   Twitter: https://twitter.com/cleoyogafinance

Do you have a motto or quote that you live by daily?   When I was lost and confused about who I am and what I wanted to do with my life, I never really had any quotes or mottos I followed or supported. As I grew older, I realized it's best to have a guide as you navigate through your life journey.   No journey is perfect, but we can't do it alone. It's great to have people to help you when needed, but what happens when you don't have someone or a team to help support, encourage or guide you?   You need your own quotes or mottos to help guide you, fuel you and push you outside of your comfort zone. Actions are louder than words, but words are still powerful when used consistently.   My motto is "Don't Wonder What If, Take A Risk" Check out Episode 32 to learn why I created my own motto and why you should have a motto to guide you on your journey.   It can be a motto you created or one created by someone else that you feel aligns with your lifestyle and goals.   What's your motto? Share with me on social media and tag @cleoyogafinance   The Financially Free with Cleo Podcast is on Apple Podcasts, Spotify, Google Podcasts and PodBean: cleoyogafinance.com/podcast   It's also on YouTube at Cleo Yoga Finance. Watch here: bit.ly/33NJYRp   If you enjoyed this episode, please subscribe, share on social media and tag @cleoyogafinance or leave us a review.   We appreciate your support. See you next week!   Let's Stay Connected:   Instagram:  instagram.com/cleoyogafinance/   Website:  https://www.cleoyogafinance.com/   YouTube:  youtube.com/channel/UCORAoCfgBe0QrjHzWHdyydw   Facebook: facebook.com/CleoYogaFinance   LinkedIn: linkedin.com/in/cleochildress/   Tik Tok: https://www.tiktok.com/@cleoyogafinance   Twitter: twitter.com/cleoyogafinance

Do you believe in Law of Attraction? Do you believe that your thoughts and the way you speak determines the results you experience in life?   There are so many studies from all over the world about law of attraction and how we must continuously be aware of our thoughts and the words we speak daily.    Throughout my own personal and professional journey I've realized that I needed to not only be aware of my thoughts and the words I spoke, but also my feelings and emotions. I realized it's ok to feel what I feel, but to also acknowledge when certain thoughts and feelings are keeping me stuck or in a negative mood.    I learned to focus on the positives which lead to better life experiences. When you focus on the positive, your actions will follow, then the resources and opportunities will follow.   Check out Episode 31: "Law of Attraction" and let me know what changes you will make to attract more of what you want into your life.    Also, check out the amazing affirmation music by Toni Jones   5 things to do to attract more positive results in life:   11:16 - Enforce a weekly self care routine (rest, relaxation and laughter)   13:48 - Speak or write financial affirmations or money mantras daily   15:25 - Set specific goals and with due dates (adjustments can be made)   16:56 - Take action daily. (Weeks and months shouldn't past by with no work done)   19:43 - Hire a professional. (Coach, therapist, mentor, or trusted friend)   The Financially Free with Cleo Podcast is on Apple Podcasts, Spotify, Google Podcasts and PodBean: cleoyogafinance.com/podcast   It's also on YouTube at Cleo Yoga Finance. Watch here: bit.ly/33NJYRp   If you enjoyed this episode, please subscribe, share on social media and tag @cleoyogafinance or leave us a review.   We appreciate your support. See you next week!   Let's Stay Connected:   Instagram:  instagram.com/cleoyogafinance/   Website:  https://www.cleoyogafinance.com/   YouTube:  youtube.com/channel/UCORAoCfgBe0QrjHzWHdyydw   Facebook: facebook.com/CleoYogaFinance   LinkedIn: linkedin.com/in/cleochildress/   Tik Tok: https://www.tiktok.com/@cleoyogafinance   Twitter: twitter.com/cleoyogafinance

This week we are talking about loan options that are typically offered to people who have low income or a low credit score. Most of us are aware that the higher the credit score and income, the more options you have to pay cash or borrow money for what you need and want.    I'm not a fan of financing everything, but if you need to finance something I'm all for finding the best financing deal for you.    The lower the income and credit score, the more money one has to pay in interest and fees. The good news is there is always a way to increase your income and credit score to qualify for the financing deal you desire.    Check out Episode 30: "Don't Settle For Predatory Lending" because you deserve fair and reasonable loan terms, regardless of the financial mistakes or unfortunate unexpected financial circumstances you've experienced in the past.    Order a free copies of your credit reports at Annual Credit Report.com   Order a copy of your banking history at ChexSystems   The Financially Free with Cleo Podcast is on Apple Podcasts, Spotify, Google Podcasts and PodBean: cleoyogafinance.com/podcast   It's also on YouTube at Cleo Yoga Finance. Watch here: bit.ly/33NJYRp   If you enjoyed this episode, please subscribe, share on social media and tag @cleoyogafinance or leave us a review.   We appreciate your support. See you next week!   Let's Stay Connected:   Instagram:  instagram.com/cleoyogafinance/   Website:  https://www.cleoyogafinance.com/   YouTube:  youtube.com/channel/UCORAoCfgBe0QrjHzWHdyydw   Facebook: facebook.com/CleoYogaFinance   Twitter: twitter.com/cleoyogafinance   LinkedIn: linkedin.com/in/cleochildress/   Tik Tok: https://www.tiktok.com/@cleoyogafinance

Have you ever been told that you were wasting money renting versus buying a home? I've been told plenty of times that the amount I pay in rent is the same amount I could be paying on a mortgage, if not less.   What some people fail to understand is that when it comes to purchasing a home, one must be in a financial and mental position to take on more than just the monthly mortgage payment.   What about the other financial responsibilities that come with homeownership, such as homeowners insurance, property taxes, lawn care, pool maintenance, cost to replace or repair things when need, and the list goes on.    On Episode 29: "Renting Is Not A Waste of Money" I'm sharing how important it is for us to understand the potential pros and cons of renting and homeownership. It's even more important to decide which option is best for you right now. Neither option is 100% better than the other, but the option that is best for you depends on several factors within your lifestyle.    Sometimes it makes sense to buy. Other times it makes more sense to continue renting. Choose what's best for you.   The Financially Free with Cleo Podcast is on Apple Podcasts, Spotify, Google Podcasts and PodBean: cleoyogafinance.com/podcast   It's also on YouTube at Cleo Yoga Finance. Watch here: bit.ly/33NJYRp   If you enjoyed this episode, please subscribe, share on social media and tag @cleoyogafinance or leave us a review.   We appreciate your support. See you next week!   Let's Stay Connected:   Instagram:  instagram.com/cleoyogafinance/   Website:  https://www.cleoyogafinance.com/   YouTube:  youtube.com/channel/UCORAoCfgBe0QrjHzWHdyydw   Facebook: facebook.com/CleoYogaFinance   Twitter: twitter.com/cleoyogafinance   LinkedIn: linkedin.com/in/cleochildress/   Tik Tok: https://www.tiktok.com/@cleoyogafinance

It's official, I now have a high school graduate. My daughter, Destiny Kennedy, is now preparing for her transition to college. I'm so proud of her and look forward to all of her life experiences.   As a teen mom and single mom, our mother daughter journey has been great but sometimes challenging. Life is all about living the lifestyle you desire while learning and growing through challenges that life throws at us.   I thought this moment would take forever to come, but now that it is here I am happy and grateful that I was able to raise Destiny the best way that I could with what I had. I must say, I did an AMAZING JOB!   I am now an Empty Nester since Destiny is my one and only child. I have been reading more about what Empty Nester really means and how it may apply to my motherhood journey.    According to Better Health Channel, Empty nest syndrome refers to the grief that many parents feel when their children move out of the home. This condition is typically more common in women, who are more likely to have had the role of primary carer.   On Episode 28: "Empty Nest Syndrome" I'm sharing my thoughts on being an empty nester and how I plan to operate in this new chapter of my life.    Want to learn more about Empty Next Syndrome? Check out this article from Very Well Family: 5 Signs and Symptoms of Empty Nest Syndrome   The Financially Free with Cleo Podcast is on Apple Podcasts, Spotify, Google Podcasts and PodBean: cleoyogafinance.com/podcast   It's also on YouTube at Cleo Yoga Finance. Watch here: bit.ly/33NJYRp   If you enjoyed this episode, please subscribe, share on social media and tag @cleoyogafinance or leave us a review.   We appreciate your support. See you next week!   Let's Stay Connected:   Instagram:  instagram.com/cleoyogafinance/   Website:  https://www.cleoyogafinance.com/   YouTube:  youtube.com/channel/UCORAoCfgBe0QrjHzWHdyydw   Facebook: facebook.com/CleoYogaFinance   Twitter: twitter.com/cleoyogafinance   LinkedIn: linkedin.com/in/cleochildress/   Tik Tok: https://www.tiktok.com/@cleoyogafinance  

We all should relocate to a new city at least once in our lifetime. There are so many other life experiences we can't get just staying in one city our whole life.   When I relocated for the first time, I was desperate for new beginnings. I thought moving would solve all of my money problems, but I quickly realized that just moving was not enough. I needed to do the work mentally and physically too.   If we relocate in hopes that a new environment will change our lives without us doing the deeper mental and physical work, then our problems will just follow us from city to city, state to state and country to country.    On Episode 27: "Relocation Won't Solve Your Problems" I'm sharing my experience with relocating for the first time. It wasn't an easy journey, but it was worth every minute.    Make a list of places you would love to relocate to one day. No matter if it's short term or long term, the journey starts with you visualizing where you would want to live and when.    If you're thinking about moving abroad, check out my convo with Vanessa M.W. on Episode 25: Moving Abroad Increasing Income and Quality of Life. Watch here: https://youtu.be/bTILXMT9RKU   The Financially Free with Cleo Podcast is on Apple Podcasts, Spotify, Google Podcasts and PodBean: cleoyogafinance.com/podcast   It's also on YouTube at Cleo Yoga Finance. Watch here: bit.ly/33NJYRp   If you enjoyed this episode, please subscribe, share on social media and tag @cleoyogafinance or leave us a review.   We appreciate your support. See you next week!   Let's Stay Connected:   Instagram:  instagram.com/cleoyogafinance/   Website:  https://www.cleoyogafinance.com/   YouTube:  youtube.com/channel/UCORAoCfgBe0QrjHzWHdyydw   Facebook: facebook.com/CleoYogaFinance   Twitter: twitter.com/cleoyogafinance   LinkedIn: linkedin.com/in/cleochildress/   Tik Tok: https://www.tiktok.com/@cleoyogafinance  

How does your personal economy operate? How does the money in your life revolve around you?   Our daily habits determine the type of financial lifestyles we experience. It's never too late to take the next step towards the level of financial freedom you desire.    On Episode 26: "Investments and Sacrifices" we are talking with Robert Fortune, a Brooklyn native and founder of Fortune Advisory Services.   He left Wall Street and Corporate Banking to focus on financial literacy, generational wealth and financial freedom through proper planning of investment and insurance plans. He also created Fortune Capital Consulting to focus on creating workshops and seminars to push the literacy agenda forward while helping with debt management, budget planning and credit.   In this episode, you will learn:   2:12 - How Robert grew up and first learned about money   5:40 - How to start investing in stocks   7:15 - Robert's best money decision thus far   10:37 - What is your personal economy? What financial freedom means to Robert.    15:02 - How to retire at any age    17:03 - Why sacrifices are required   18:54 - Time value of money   22:04 - Emotional connection with money   34:38 - Robert's money decision he regrets   36:39 - What you should know about investing    46:51 - How Robert started Fortune Advisory Services    1:02:12 - Favorites Round with Robert   1:09:57 - Robert's response to his financial affirmation card   1:11:47 - Advice Robert would give to himself right now   1:13:35 - How to connect with and support Robert Fortune   Connect with Robert Fortune:    Phone: 347-206-3010   Email: rfortune@fortuneadvisoryllc.com   Website: https://www.fortunecapllc.com/   Instagram: https://www.instagram.com/fortune_advisory/   LinkedIn: https://www.linkedin.com/in/fortuneadvisoryservices/   Special Offer: (Free Consultation) Send an email to Robert at rfortune@fortuneadvisoryllc.com and mention you heard him on Financially Free with Cleo Podcast to get scheduled.    The Financially Free with Cleo Podcast is on Apple Podcasts, Spotify, Google Podcasts and PodBean: cleoyogafinance.com/podcast   It's also on YouTube at Cleo Yoga Finance. Watch here: bit.ly/33NJYRp   If you enjoyed this episode, please subscribe, share on social media and tag @cleoyogafinance or leave us a review.   We appreciate your support. See you next week!   Let's Stay Connected:   Instagram:  instagram.com/cleoyogafinance/   Website:  https://www.cleoyogafinance.com/   YouTube:  youtube.com/channel/UCORAoCfgBe0QrjHzWHdyydw   Facebook: facebook.com/CleoYogaFinance   Twitter: twitter.com/cleoyogafinance   LinkedIn: linkedin.com/in/cleochildress/   Tik Tok: https://www.tiktok.com/@cleoyogafinance  

Moving abroad can be exciting, but also overwhelming when trying to understand all that you need to do before, during and after the move.   Whether if you are moving abroad for short term or long term, you can get all the details you need from the amazing Vanessa M.W., a travel tech professional and the creator of the wealth & wanderlust platform, Wander Onwards.   Vanessa is originally from Los Angeles, California, a proud Chicana, and has been living abroad for the last 7 years. Today, she helps people build better lives inside the US and abroad through her Move Abroad Master Class and financial literacy digital products. She currently lives in Europe with her German Husband and Italian cat, Xiao Huang.   On Episode 25: "Moving Abroad: Increasing Income and Quality of Life", Vanessa shares her experiences living abroad. She has increased her income, elevated her business, met her husband and continues to live the lifestyle she desires.   In this episode, you will learn:   02:24 - How Vanessa grew up and first learned about money   03:29 - Vanessa's best money decision   09:28 - Vanessa's biggest money regret   15:48 - What being financially free means to Vanessa   22:35 - Why Vanessa decided to start Wander Onwards   25:12 - What you can learn from the Moving Abroad Masterclass   31:59 - Favorites Round with Vanessa   37:59 - Vanessa's response to her financial affirmation card   40:08 - Advice Vanessa would give to herself right now   41:43 - How to connect with and support Vanessa M.W.   Connect with Vanessa M.W.   Website: wanderonwards.co/   Instagram: instagram.com/wanderonwards/   TikTok: @wanderonwards   YouTube: youtube.com/wanderonwards   Move Abroad Master Class: wanderonwards.teachable.com/p/great-escape   Digital Templates: etsy.com/shop/Wanderonwards   Free Digital Gift: wanderonwards.co/hi/     Check out Episode 16: "Saving While Living Abroad" with Mi'esha and Christian Reynolds.   The Financially Free with Cleo Podcast is on Apple Podcasts, Spotify, Google Podcasts and PodBean: cleoyogafinance.com/podcast   It's also on YouTube at Cleo Yoga Finance. Watch here: bit.ly/33NJYRp   If you enjoyed this episode, please subscribe, share on social media and tag @cleoyogafinance or leave us a review.   We appreciate your support. See you next week!   Let's Stay Connected:   Instagram:  instagram.com/cleoyogafinance/   Website:  https://www.cleoyogafinance.com/   YouTube:  youtube.com/channel/UCORAoCfgBe0QrjHzWHdyydw   Facebook: facebook.com/CleoYogaFinance   Twitter: twitter.com/cleoyogafinance   LinkedIn: linkedin.com/in/cleochildress/  

This week we are celebrating Mother's Day, which is Sunday May 9, 2021. We either are a mom or a know a mom somewhere. It could be a mom that is still here on Earth or has passed on to a happier place. Let's celebrate moms this week.    On Episode 24, I'm sharing a few ways to show love and highlight a mom or a few mothers this week. Nothing is too big or too small. Every genuine thought and gesture counts.    Also, check out Episode 7: "Motherhood and Money Mindsets" with one of my best friends, Stephanie Holt. Watch here: https://youtu.be/r8wa_0Eawkw   The Financially Free with Cleo Podcast is on Apple Podcasts, Spotify, Google Podcasts and PodBean: https://www.cleoyogafinance.com/podcast   It's also on YouTube at Cleo Yoga Finance. Watch here: https://bit.ly/33NJYRp   If you enjoyed this episode, please subscribe, share on social media and tag @cleoyogafinance or leave us a review.   We appreciate your support. See you next week!   Let's Stay Connected:   Instagram:  https://www.instagram.com/cleoyogafinance/   Website:  https://www.cleoyogafinance.com/   YouTube:  https://www.youtube.com/channel/UCORAoCfgBe0QrjHzWHdyydw   Facebook: https://www.facebook.com/CleoYogaFinance   Twitter: https://twitter.com/cleoyogafinance   LinkedIn: https://www.linkedin.com/in/cleochildress/  

On Episode 23, We're talking about pivoting. Sometimes we work a job or career for a period of time then realize we need or want to do something else.    As we grow and evolve, our needs and wants change. Our interests and skills change. What we define as happiness and fulfilling changes.    If you decide that pivoting is best for YOU, take the first step towards the lifestyle you desire. In this episode, I share two ways to know when it's time for you to pivot.   The Financially Free with Cleo Podcast is on Apple Podcasts, Spotify, Google Podcasts and PodBean: https://www.cleoyogafinance.com/podcast   It's also on YouTube at Cleo Yoga Finance. Watch here: https://bit.ly/33NJYRp   If you enjoyed this episode, please subscribe, share on social media and tag @cleoyogafinance or leave us a review.   We appreciate your support. See you next week!   Let's Stay Connected:   Instagram:  https://www.instagram.com/cleoyogafinance/   Website:  https://www.cleoyogafinance.com/   YouTube:  https://www.youtube.com/channel/UCORAoCfgBe0QrjHzWHdyydw   Facebook: https://www.facebook.com/CleoYogaFinance   Twitter: https://twitter.com/cleoyogafinance   LinkedIn: https://www.linkedin.com/in/cleochildress/  

On Episode 22, I had the pleasure of speaking with Becky Mollenkamp, a mindset coach who is on a mission to smash patriarchy by helping women believe in their inherent worth and power.   We discussed the importance of mindset work and self love practices. Two of my favorite statements she mentioned in this episode are: "Love yourself through change" and "Breathe more."   In this episode, you'll learn:    01:24 - How Becky grew up and first learned about money       03:35 - Becky's best money decision thus far       09:05 - One of Beckys biggest money lessons learned        15:18 - What does being financially free mean to Becky       24:54 - Why mindset work is required. How Becky helps others on their mindset journey.        30:25 - How to find your mindset coach       34:30 - Favorites round with Becky         38:09 - Becky's response to her financial affirmation       39:20 - Advice Becky would give to herself right now       40:57 - How we can support and connect with Becky   Connect with Becky Mollenkamp:   Website: https://beckymollenkamp.com/   Instagram: https://www.instagram.com/beckymollenkamp/   TikTok: https://www.tiktok.com/@beckymollenkamp?   YouTube: https://www.youtube.com/channel/UC_Xl2gfkFOHlrwgcEnl2BNw   The Financially Free with Cleo Podcast is on Apple Podcasts, Spotify, Google Podcasts and PodBean: https://www.cleoyogafinance.com/podcast   It's also on YouTube at Cleo Yoga Finance. Watch here: https://bit.ly/33NJYRp   If you enjoyed this episode, please subscribe, share on social media and tag @cleoyogafinance or leave us a review.   We appreciate your support. See you next week!   Let's Stay Connected:   Instagram:  https://www.instagram.com/cleoyogafinance/   Website:  https://www.cleoyogafinance.com/   YouTube:  https://www.youtube.com/channel/UCORAoCfgBe0QrjHzWHdyydw   Facebook: https://www.facebook.com/CleoYogaFinance   Twitter: https://twitter.com/cleoyogafinance   LinkedIn: https://www.linkedin.com/in/cleochildress/  

On Episode 21, I'm talking about hiring a professional vs DIY.    When I made the decision to improve my finances, I isolated myself and did it alone. I thought I was saving money by not hiring a financial professional to guide me. Plus, I felt like I was old enough to know better and do it myself.   What I've learned is that EVERYONE needs help at different levels of life. NOBODY knows everything. The most successful and wealthiest people still hire mentors, coaches and advisors. We are better when we do it with help.    It's very important to start learning on your own first, but in order to have transformational changes in your life, you will need HELP!   In this episode, you'll learn:    The benefits of DIY   The benefits of hiring a professional   Why you should choose the best decision for you    If you would like weekly financial and mindset inspiration, subscribe here: https://www.cleoyogafinance.com/home-subscribe   The Financially Free with Cleo Podcast is on Apple Podcasts, Spotify, Google Podcasts and PodBean: https://www.cleoyogafinance.com/podcast   It's also on YouTube at Cleo Yoga Finance. Watch here: https://bit.ly/33NJYRp   If you enjoyed this episode, please subscribe, share on social media and tag @cleoyogafinance or leave us a review.   We appreciate your support. See you next week!   Let's Stay Connected:   Instagram:  https://www.instagram.com/cleoyogafinance/   Website:  https://www.cleoyogafinance.com/   YouTube:  https://www.youtube.com/channel/UCORAoCfgBe0QrjHzWHdyydw   Facebook: https://www.facebook.com/CleoYogaFinance   Twitter: https://twitter.com/cleoyogafinance   LinkedIn: https://www.linkedin.com/in/cleochildress/  

This week is Episode 20: “Advice I'm Giving To Myself Right Now (Birthday Edition)   I'm filled with gratitude because it's my birthday month. My birthday was on April 5. I'm proud of everything I've done and will do.   When I talk with guests on this show I always ask them this question, "Instead of giving advice to your younger self, what advice would you give to yourself right now?"   This week, I'm sharing advice I'm telling myself right now.   In this episode, you'll learn:    0:42 - It's Cleo's Birthday Month   Advice Cleo is telling herself right now   2:27 - Let It Go    4:17 - Do It Scared    6:39 - Make The Best Decision For You   9:46 - Keep Investing In Yourself (Time, Money and Energy)   13:00 - Have Fun and Don't Be So Serious   16:28 - Live Your Life    Check out these Financial Affirmation cards to help you take daily action towards your money goals: https://www.cleoyogafinance.com/cards/financial-affirmations   The Financially Free with Cleo Podcast is on Apple Podcasts, Spotify, Google Podcasts and PodBean: https://www.cleoyogafinance.com/podcast   It's also on YouTube at Cleo Yoga Finance. Watch here: https://bit.ly/33NJYRp   If you enjoyed this episode, please subscribe, share on social media and tag @cleoyogafinance or leave us a review.   We appreciate your support. See you next week!   Let's Stay Connected:   Instagram:  https://www.instagram.com/cleoyogafinance/   Website:  https://www.cleoyogafinance.com/

On Episode 19: “Planting Financial Seeds”   We're talking with Shaterial Starnes, owner of the Starnes Group. She is a financial coach, published author, trainer, facilitator and consultant.   She also views herself as a financial farmer, helping individuals and business owners plant financial seeds to reap a harvest for generations to come.   Two of my favorite quotes from Shaterial on this episode are: "Takers do not have boundaries" and "We bootlegging it"   In this episode, you'll learn:    1:32 - What is a financial farmer?   1:55 - How Shaterial grew up and first learned about money    3:20 - Shaterial's best money decision thus far   6:47 - How we deal with shame and embarrassment around money   7:35 - How Shaterial and I met   9:39 - Shaterial's biggest money lesson learned   14:25 - How to say no to family and friends   18:37 - What being financially free means to Shaterial   24:21 - Who is the Starnes Group?   29:54 - Navigating the Credit Repair Maze book and programs to help with personal and business credit   36:31 - Preparing for aging parents   43:46 - Fun Q&A with Shaterial   47:53 - Shaterial's response to her financial affirmation card   49:01 - Advice Shaterial would give to herself right now   51:54 - How to connect with Shaterial Starnes and special offers for the Financially Free with Cleo Community    Connect with our guest Shaterial Starnes:    Website: https://coachstarnes.com/   Instagram:  https://www.instagram.com/starnesgroup/   Facebook: https://www.facebook.com/starnesgroup   Special Offers:   (1) Introduction to Business Credit Class (If you need a full scholarship, go to link below and use discount code: pathwaylending)    https://learn.pathwaylending.org/learn/course/external/view/webinar/39/introduction-to-business-credit   (2) Boosting Your Personal Credit (If you need a full scholarship, go to link below and use discount code: pathwaylending)    https://learn.pathwaylending.org/learn/course/external/view/webinar/63/boosting-your-personal-credit   The Financially Free with Cleo Podcast is on Apple Podcasts, Spotify, Google Podcasts and PodBean: https://www.cleoyogafinance.com/podcast   It's also on YouTube at Cleo Yoga Finance. Watch here: https://bit.ly/33NJYRp   If you enjoyed this episode, please subscribe, share on social media and tag @cleoyogafinance or leave us a review.   We appreciate your support. See you next week!   Let's Stay Connected:   Instagram:  https://www.instagram.com/cleoyogafinance/   Website:  https://www.cleoyogafinance.com/

On Episode 18: “Balancing Fitness, Nutrition and Money Goals”   We're talking with Ashley Smith, owner of Kelli Fierce Fitness Inc. and founder of the online Fierce, Fit, and Flex Method. She is also a NASM Certified Personal Trainer and Precision Nutrition Coach who specializes in helping career-focused women loose fat and gain strength.    Ashley explains how we can achieve our fitness and nutrition goals without eliminating all the foods we love.   It's so important for us to understand the connection between our fitness lifestyles and financial lifestyles. When our fitness and nutrition habits are on point (not perfect), that leads to healthier financial habits.    In this episode, you'll learn:    1:40 - How Ashley grew up and first learned about money    6:42 - Ashley's best money decision thus far   20:02 - Biggest money lesson learned   23:40 - What being financially free means to Ashley   30:33 - Who is Kelli Fierce Fitness and what is the Fierce, Fit and Flex Method   43:05 - What you can start doing today to reach fitness goals    53:45 - Fun QA with Ashley   1:05:11 - Ashley's response to her financial affirmation card   1:11:25 - Advice Ashley would give to herself right now   1:12:33 - How to connect with Ashley Smith or join the Fierce, Fit, and Flex Method experience   Connect with Ashley Smith:    Website: https://www.kellifierce.com/coaching   Instagram:  https://www.instagram.com/kellifierce/   Twitter: https://twitter.com/KelliFierce   Facebook: https://www.facebook.com/profile.php?id=64500990   The Financially Free with Cleo Podcast is on Apple Podcasts, Spotify, Google Podcasts and PodBean: https://www.cleoyogafinance.com/podcast   It's also on YouTube at Cleo Yoga Finance. Watch here: https://bit.ly/33NJYRp   If you enjoyed this episode, please subscribe, share on social media and tag @cleoyogafinance or leave us a review.   We appreciate your support. See you next week!   Let's Stay Connected:   Instagram:  https://www.instagram.com/cleoyogafinance/   Website:  https://www.cleoyogafinance.com/

On Episode 17: “Homeownership and Healthy Money Habits”   We're talking with Ron Hodges. He is the co-owner of The Barkley and Hodges Group, a real estate company in Nashville, TN. Ron is also a long time friend of mine from high school. I am grateful for Ron's friendship.    Ron shared lessons learned from college life, career transitions and how he's making an impact in the real estate industry today.   My top favorite quotes from Ron in this episode:    "Don't wait on other people to make a move."   "Vet your friends and the people you invest with."   "Connect with the right people to help you get to where you need to be."   "Work your connections."   "A BUT is a WHAT IF. You can WHAT IF and BUT yourself out of what's really meant for you."   "Just because something feels safe doesn't mean that's what you need to stick with."   "Never stop learning or asking questions."   In this episode, you'll learn:    2:10 - How Ron grew up and first learned about money    4:37 - One of the major keys Ron has learned thus far    6:45 - Credit experiences   8:20 - Biggest money lessons learned and another major key   21:30 - What being financially free means to Ron    28:33 - How Ron transitioned from Accountant to Real Estate Agent   44:01 - How to prepare for buying or selling a home   1:05:13 - Fun QA with Ron   1:20:12 - Ron's response to his financial affirmation card   1:25:50 - Advice Ron would give to himself right now   1:28:29 - How to connect with Ron Hodges or start your next home buying or selling experience    Connect with Ron Hodges:    Ron's Instagram:  https://www.instagram.com/mrexekutive/   Barkley and Hodges Group Instagram: https://www.instagram.com/barkleyhodgesgroup/   Website:  https://barkleyhodgesgroup.com/   Facebook: https://www.facebook.com/BarkleyHodgesGroup   The Financially Free with Cleo Podcast is on Apple Podcasts, Spotify, Google Podcasts and PodBean: https://www.cleoyogafinance.com/podcast   It's also on YouTube at Cleo Yoga Finance. Watch here: https://bit.ly/33NJYRp   If you enjoyed this episode, please subscribe, share on social media and tag @cleoyogafinance or leave us a review.   We appreciate your support. See you next week!   Stay Connected with Cleo:   Instagram:  https://www.instagram.com/cleoyogafinance/   Website:  https://www.cleoyogafinance.com/

On Episode 16: “Saving While Living Abroad”   We're talking with Mi'esha and Christian Reynolds, a married couple based in Atlanta, GA who's making amazing moves together and individually in their businesses.    Mi'esha is an international school counselor, spiritual coach and advocate for black women and families. Christian is the Founder of Pixel Estates, a video marketing agency for real estate professionals.   They decided to relocate to Egypt. During their time living abroad, they were able to save way more money than they would have saved here in the states.   The cost of living was cheaper in Egypt compared to Atlanta, GA. They were also able to pay off a significant amount of debt while living abroad and vacationing in multiple countries.   In this episode, you'll learn:    2:02 - How they grew up and first learned about money    4:48 - Money conversations with family   11:15 - Their best money decision   20:10 - Money lessons learned   26:36 - Working 9-5's and running business living abroad vs in the states   35:52 - How Christian began a real estate career with Pixel Estates   44:30 - What does being financially free mean to Mi'esha and Christian    51:16 - Response to their financial affirmation card    59:11 - Fun QA with Mi'esha and Christian   1:05:29 - Advice they would give to themselves right now   1:08:24 - First 3 things they would do with $500,000   1:09:42 - How to connect with Mi'esha and Christian Reynolds   Connect with Mi'esha Reynolds:   Instagram:  https://www.instagram.com/miesha.gabriella/   Website:  https://www.mieshagabriella.com/   Connect with Christian Reynolds:   Instagram:  https://www.instagram.com/pixel.estates/   Website:  https://www.pixelestates.com/   Download your FREE Guide "Sale" to SOLD: 5 Videos Real Estate Agents Can Use to Sell More Listings in 2021: https://https://www.pixelestates.com/freeguide   The budgeting app mentioned in this episode is YNAB (You Need A Budget):  https://www.youneedabudget.com/   The phrase "Trust The Process" was mentioned a couple of times during this episode. It's very important for us to appreciate the journey and trust the process as we navigate through life.   What better way to remind yourself to trust the process than to wear it. Get 15% off these comfy shirts and hoodies at Conrad's Apparel with the message "Life's A Journey...Trust The Process"   Shirts (15% Off Promo Code: TRUST) https://conradsapparel.com/collections/t-shirts/products/trust-the-process-t-shirt   Hoodies (15% Off Promo Code: TRUST) https://conradsapparel.com/collections/hoodies/products/trust-the-process-hoodie   Check out my conversation with the owner of Conrad's Apparel "Eric Cloy" on Episode 2 - Watch Here: https://youtu.be/OqdMCTBMd6k   The Financially Free with Cleo Podcast is available on Apple Podcasts, Spotify, Google Podcasts and PodBean: https://www.cleoyogafinance.com/podcast   It's also on YouTube at Cleo Yoga Finance. Watch here: https://bit.ly/33NJYRp   If you enjoyed this episode, please subscribe, share on social media and tag @cleoyogafinance or leave us a review.   We appreciate your support. See you next week!   Stay Connected with Cleo:   Instagram:  https://www.instagram.com/cleoyogafinance/   Website:  https://www.cleoyogafinance.com/

On Episode 15: “Side Hustles: More Money, More Options”   We're talking with Jhanilka and Anthony Hartzog, a millennial couple who paid off $114,000 in 23 months. I love how they share their journey.   It's easy to get overwhelmed watching everyone do this and that, but they are constantly showing us that no matter what type of lifestyle you want to live, there are so many ways to get there.   In this episode, you'll learn:    2:30 - How they grew up and first learned about money    5:13 - Jhanilka and Anthony's best money decision   7:54 - Jhanilka and Anthony's most challenging money experience   9:34 - Managing 9-5's, side hustle's and quality time   16:22 - What does Hatrimony represent?    17:38 - What does being financially free mean to the Jhanilka and Anthony   21:50 - Hiring help in business   25:25 - Advice for couples managing money together    28:03 - Fun QA with Jhanilka and Anthony   36:18 - Jhanilka and Anthony's response to their financial affirmation card   37:52 - Advice Jhanilka and Anthony would give to themselves right now   38:52 - How to connect with Jhanilka and Anthony   Connect with Jhanilka and Anthony:   Instagram:  https://www.instagram.com/thehartrimony/   The Financially Free with Cleo Podcast is available on Apple Podcasts, Spotify, Google Podcasts and PodBean: https://www.cleoyogafinance.com/podcast   It's also on YouTube at Cleo Yoga Finance. Watch here: https://bit.ly/33NJYRp   If you enjoyed this episode, please subscribe, share on social media and tag @cleoyogafinance or leave us a review.   We appreciate your support. See you next week!   Website: https://www.cleoyogafinance.com/