418: From Credit Card Debt to Business Owner: Nancy's Real Money Transformation (Listener Interview)

418: From Credit Card Debt to Business Owner: Nancy's Real Money Transformation (Listener Interview)

Author: Clever Girl Finance April 23, 2026 Duration: 16:55

New Book - Clever Girl Millionaire; A Guide to Redefining What's Possible, Turning Ambitions into Actions, and Dreams into Millions - Available to order now

In this episode of the Clever Girls Know Podcast listener interview series, I'm sitting down with one of you—our community—to talk about what it really looks like to start from scratch and stay consistent.

I'm interviewing Nancy Ceus-Decoteau, an aspiring educator and entrepreneur who began her financial journey during the pandemic in 2020. What started with discovering Clever Girl Finance and using free worksheets turned into a complete mindset shift around money.

Since then, Nancy has launched her own childcare business, is working toward her bachelor's degree to become a teacher, and is actively building a foundation for long-term financial freedom. Her story is a reminder that wealth-building doesn't start with perfection—it starts with a decision to do better, one step at a time.

What Nancy Discussed

  • How she started her financial journey during the pandemic in 2020
  • Feeling unprepared with money and deciding to take budgeting seriously
  • Discovering Clever Girl Finance and using free worksheets to organize her finances
  • Building her first budget and creating a clear financial plan
  • Gaining confidence through learning, reading, and applying financial concepts
  • Starting her childcare business and stepping into entrepreneurship
  • Developing discipline and responsibility with money as a business owner
  • Navigating challenges with saving and staying consistent
  • Balancing school, business, and financial goals at the same time
  • Staying committed to long-term financial freedom despite setbacks
  • Defining what financial freedom looks like for her future
  • Advice for others who are just beginning their financial journey

 

How to Keep Up With Nancy

  • Follow on Instagram: @nancy_poo92
  • Follow her business journey: @nurturedbynd

 

More Clever Girl Finance Resources:

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https://clevergirlfinance.com/start-here

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❤ Follow us on Instagram: @clevergirlfinance


Money conversations often happen behind closed doors, but The Clever Girls Know Podcast With Bola Sokunbi throws those doors wide open. Here, founder Bola Sokunbi of Clever Girl Finance moves beyond theory to host frank discussions with women who are actually navigating the messy, real-world journey toward financial freedom. You’ll hear from people at every stage-from those tackling overwhelming debt to others strategically building investments and businesses. These aren’t abstract interviews; they’re personal stories about the setbacks, the windfalls, and the daily decisions that shape a financial life. This podcast digs into the emotional and practical sides of money management, all through the lens of women taking control to design a future on their own terms. It’s a space where the jargon is stripped away, replaced by relatable experiences and actionable insights. Tuning in feels like joining a trusted circle where honesty about salaries, savings, and financial fears isn’t just allowed, it’s the whole point. The Clever Girl Finance platform built its reputation on empowering women with financial education, and this audio extension delivers that same value in an intimate, conversational format. Each episode serves as both a reality check and a source of motivation, reminding listeners that building wealth is a personal journey with many paths, all worth exploring.
Author: Language: English Episodes: 100

The Clever Girls Know Podcast With Bola Sokunbi
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