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: [email protected] 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/