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

Nancy Sustakoto shares her powerful financial transformation journey on Episode 418 of The Clever Girls Know Podcast, beginning in 2020 during the pandemic when she realized her finances were out of control. With no budget, inconsistent savings, and credit card debt, Nancy made a pivotal decision to take charge of her money. Inspired by Bola Sokunbi’s Clever Girl Finance resources—especially free worksheets and budgeting tools—she started small by tracking her income and expenses, creating a basic budget, and setting realistic savings goals. Her journey evolved into entrepreneurship when she launched Nurture by ND LLC, a private child care business, supported by mentorship from SCORE and a free business course. Over time, Nancy balanced her business, school (pursuing a bachelor’s in education), and financial goals through intentional time management and consistency. She emphasizes the importance of grace, mindset shifts, and small, sustainable steps in overcoming financial shame and building lasting wealth. Her Clever Girl superpower? Consistency. The episode is a testament to the power of starting small, leveraging free resources, and staying committed through challenges. Nancy’s story highlights how financial freedom means peace of mind, stability, and the ability to handle life’s surprises without stress. Bola Sokunbi reinforces the episode’s message with a call to action: take the next step with Clever Girl Millionaire and access free courses to build confidence and wealth. The conversation is both inspiring and practical, offering actionable insights for women at any stage of their financial journey.