Ready to take control of your finances and build real wealth?

I’m sharing the 7 key financial lessons that completely transformed my money mindset, helped me save six figures, and set me on the path to financial freedom. These aren’t just tips—they’re real strategies you can start using today, no matter where you’re starting from.

Here’s what you’ll learn on this episode:

• Why systems matter more than goals when it comes to your finances
• How to avoid lifestyle inflation even as your income grows
• The power of delayed gratification (and how it saves you thousands)
• Why retirement savings and investing early are game-changers
• How to build a supportive financial environment
• Using credit cards the smart way—without debt traps
• Why your money mindset is just as important as your budget

Whether you’re just starting out or rebooting your financial journey, these lessons will help you simplify your approach, stay consistent, and build real, lasting wealth.

Action Step: Choose one of these 7 financial lessons and start implementing it today. Small steps lead to big results.

📚 Ready to take the next step? Check out the Clever Girl Finance My Wealth Plan Workbook to map out your personalized strategy: https://clevergirlfinance.com/books

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On today’s episode, we’re joined by financial journalist and fintech insider Gemma Boothroyd to explore why women are better at investing than we think. With a background in product and marketing at top UK fintech firms, Gemma saw firsthand the stark differences in how men and women approach investing—and how the industry often misinterprets those differences.

That experience inspired her upcoming book, Hidden Risk Economy, which challenges the outdated belief that women are too risk-averse to succeed as investors. Instead, she reframes women’s approach to risk as a strength and a powerful driver of long-term success. Her mission is to close the gender investing gap by showing women that not only are they capable investors—they may just be the best in the game.

• Her background in finance and fintech, and how those experiences shaped her perspective on women and investing.

• The harmful myth that women are too risk-averse to be great investors, and where that narrative comes from.

• Why the problem isn’t a lack of confidence among women—it’s a lack of fair and accurate narratives.

• What research actually shows about how women invest compared to men.

• The difference between being risk-averse and being risk-intelligent.

• Why women’s cautious, long-term investing approach is a competitive advantage.

• How financial marketing often alienates women and what needs to change.

• Advice for women who feel investing is too complicated or risky, including how to take the first step with confidence.

• Practical ways women can reframe their relationship with risk and invest on their own terms.

• The one narrative she would change about women and money.

• On TikTok: https://www.tiktok.com/@gemmaboothroyd
• Via her website: https://hiddenriskeconomy.com/

❤ Subscribe to the Clever Girl Finance newsletter for weekly motiviation: clevergirlfinance.com/subscribe

❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books

❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages

❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog

❤ Follow us on Instagram: instagram.com/clevergirlfinance

Wondering where your money keeps going—even though you're trying to save?

On this podcast episode, I’m sharing 10 everyday things to stop buying if you're serious about hitting your financial goals. These are the sneaky spending habits—like fantasy lifestyle shopping, takeout overload, and unused subscriptions—that quietly sabotage your progress. But this isn’t about deprivation—it’s about alignment.

If your spending doesn’t reflect your values or goals, it’s time to hit pause and reset. Let’s break the cycle together and start making purchases that truly support your financial future.

You’ll learn:

• What “fantasy spending” is—and how to stop doing it
• How viral trends and duplicate products waste money
• Why decluttering first saves you from unnecessary purchases
• How guilt-based or emotional spending sneaks into your budget
• The truth about productivity tools that don’t actually help

❤ Subscribe to the Clever Girl Finance newsletter for weekly motiviation: clevergirlfinance.com/subscribe

❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books

❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages

❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog

❤ Follow us on Instagram: instagram.com/clevergirlfinance