The Rich Immigrant

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In the very last episode of this season of the podcast, I answer listener questions and they cover the following

My thoughts on an mlm
If I would date or marry a man who made significantly less than I do
Would I get a prenup? How to broach the conversation with a potential partner
Paying down a mortgage faster or investing for children. Which would pay off better>
Legal insurance.

And so much more!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Becoming a parent changes everything, including your finances. In this episode, I sit with Charlene, a financial coach and mom, to talk about what it really takes to prepare financially for parenthood. We go beyond nurseries and baby showers to dig into the mindset shifts, practical steps, and money truths every parent should know.

We cover:

Where financial preparation for parenthood really begins
How to balance dreams for your child with financial realities
The biggest money mindset shirt new parents need
Non-negotiable financial steps before having a baby
Navigating roles in relationships as parents
How to save for your child's futurw without neglecting your own
The cultural and emotional pressures parents face around money

Whether you're planning for a baby, already parenting, or simply want to be more intentional with your finances, this episode will give you both the encouragement and the strategies to make confident money moves as you grow your family.

Charlene Tilbanie is a chartered accountant, corporate vice president in the captive insurance industry, and a money coach who makes money management simple and sustainable for busy professionals and families.
With 20+ years in financial services, she blends behavioural insight with practical systems aimed at reducing financial stress and improve decision-making. After paying off her consumer debt in just 15 months, Charlene built practical frameworks that help clients create margin, build wealth, and live with purpose.
She coaches, leads workshops, and is authoring an upcoming book that translates complex finance into plain language. Based in the Cayman Islands, she serves audiences across thenCaribbean and beyond. Charlene can be found on Instagram and Threads under the namen“Charlene Money Coach.”

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Do you ever feel like everyone else is ahead of you financially - buying homes, maxing out investments, living debt free, going on trips - all while you are still figuring it out? You are not alone and you are not too late!

In this episode, I break downL

What drives money shame
How we can reframe being behinf
Examples of people who started late but still built wealth
Practical steps to move forward

Whether you are in your 20s, 30s, 40s, or beyond, this conversation will remind you that your financial joyney is unique, and that is isn't a race. Most importantly, it will remind you that it is about progress and not about pace or position relative to others,

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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I've been wanting to talk with Berry for a while and I'm so glad this conversation finally happened. As you'll see, this conversation was grounded, and full of gems and realness! In this episode of the Podcast, We talk about:

When Berry had her financial aha moment
How her finances changed since becoming a single mom
The type of support she has relied on during her journey
Some of the sacrifices she's made, including moving back home, giving up some vacations while focusing on her finances
How she paid off her debt while not being on a high income
What she's teaching Coco about money, delayed gratification, and gratitude
Myths and assumptions people make about single moms
How she got comfortable talking about money with her family
How she became a Clever Girl Finance mentor to other women
What financial security means to her
How we can better support single moms/parents in our communities
The most financially empowering move she has made as a single mom

Berry Dakara is a 40+ Nigerian American single mom of a vivacious daughter, whom she affectionately calls Coco. She's lived in the US for almost 30 years and resides in the Metro Atlanta area. In her day job, Berry is a budding HR professional for a major retailer in the US Outside of work, Berry is a lifestyle blogger on her blog, www.berrydakara.com. She also hosted and hopes to return to the Mummy Oyoyo podcast, which was created to share authentic stories and experiences around various aspects of motherhood. Berry is known for being open, and sharing often hilarious relatable stories plucked from her life.

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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This episode of the podcast is not what I'd initially planned, but I get this feeling that it is what we need. In this episode:

I invite you to join me on this challenge this month to honour your word to yourself. Too often, we normalize casually breaking promises to ourselves ever so casually. IVer time, we start to believe that our own word doesnt mean much.

Self-trust is built one promise at a time. When you honor your word to yourself, something subtle but powerful shifts.

Join me in this challenge this month. Decide what word you'll honour all month and then let's do it together. One day at a time! Brick by brick!

And if you mess up? Don't quit! Try again the very next day! I'm rooting for you in all ways, always!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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This episode is a little different, and honestly, its delicious! In this episode, we are talking about how budgeting is actually a lot like making jollof rice.

If you've ever mare jollof rice you already know that it isnt just food. It is culture, it is pride. I break down

Ingredients of your jollof (and budget)
- You can just throw things in the pot and hope for the best, you'll get a concoction. Same with budgeting
- We talk about the key ingredients of your budget
Cooking - the actual budgeting and the steps involved
- The preparation
- Simmering - no rushing
- Tasting and tweaking to perfection
- developing your own unique formula

I had fun with this episode, but I also hope it brings to life how budgeting should be done, when done well.

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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What does it look like to be redefining success on your own terms and to be way ahead financially while in your twenties? Meet Tobi Derin. In this episode, I sit down with Tobi Derin, an immigrant who moved to Canada at age 16, pivoted from Engineering to Tech, bought her first investment property at 25, and quit her 6-figure tech job to take a year-long career break/sabbatical at 27!

Tune in to hear

How she became financially aware relatively early
How she started saving and investing while in University
How she realized that owning real estate was a possibility for her as an immigrant and the importance of seeing what is possible
Why she bought the kind of property she ended up with and in the location she chose
Realizing something needed to change and facing that truth especially as a high achieving high performer
Quitting her 6-figure tech job and how she is funding her year-long break
How the sabbatical/career break is going
What she has learned from the journey so far
A message for anyone wondering if this is even remotely a possibility for them

Its time to rethink what success really means. Hit play, and join the conversation.

Tobi is a content creator, real estate investor, and tech professional currently on a career break. After moving to Canada for university and earning a degree in Aerospace Engineering, she began sharing online, creating resources to help other immigrants navigate life in a new country and build financial stability. Over the past five years, her content has helped thousands of immigrants thrive in Canada.

Tobi transitioned from engineering into tech where she went on to work as a Product Manager. Along the way, she continued sharing her journey to help others break into tech, access high-paying opportunities and grow in their career.

At 27, she made the bold decision to step away from her six-figure role to take a career break and redesign life on her own terms. Today, she creates content at the intersection of career, money, and real estate, with a long-standing mission to help people, especially immigrants, make smart money moves and build lives they truly desire.

She creates content to help people thrive in their careers, become financially literate, and build wealth through real estate. She recently launched 1:1 sessions

Follow Tobi on Instagram at Tobi.Derin or on her YouTube Channel @Tobi.Derin

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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The podcast is back for its 12th season and in this episode, we are easing into summer with a few updates and check-in. In this episode. I talk about

Life lately - high, a low, and a lesson so far this year
Money update - wins, where I'm lagging behind, and current struggles
I answer a listener question about paying for financial coaches and investing classes etc
I also share one thing I'm loving, which is a recent episode on the Aspire with Emma Grede podcast where she had a conversation with Jeff Fisher! Check it out
Preview what is to come on the podcast this season

Happy 5th birthday to the podcast! It's been 5 years ya'll! Thank you for riding!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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In the personal finance world, they say getting to the first $100k invested is the hardest part of any investing journey. In this episode of the podcast, I talk about:

Why it is the hardest part of any investing journey
My Journey to $100k and how long it actually took and the hiccups I had on the journey
How much shorter it took to get from $100k to $200k
What can be done to accelerate the journey
Normalizing the fact that things take time
A reminder to 'let things cook.'

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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In this epidoe of the podcast, I tackle a money dilemma for a parent with a certain amount of money to invest for her 12 year old son. Should she keep it in savings, invest it?

What would I do? I share my thoughts and I share why! What would you do with the money?

Check out the latest episode of the podcast and don't forget to share your money dilemmas here for a chance to be featured on the podcast.

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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I promised a follow up episode to describe the process of automating your finances as automation is central to a good paycheck routine.

Automation takes away the guesswork out of managing your finances. That means no fees, and no mistaken balling out, and you get to pay yourself first via saving and investing. In this episode, I share the key steps to automating your finances including:

Mapping out on paper where your money will go
Mapping out how much will go into each bucket every month
Set up the first level with your employer
Then set up the rest of the savings and investing automation by linking your accounts and setting up the automated payments
Set up automating your fixed payments
Do You Have to automate everything? I'd say about 80% automated and 20% manual.

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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I'm so glad Togor responded to my request for people willing to share about getting on the same page financially before getting married. While there are many horror stories of financial incompatility, this story shows what can happen when two people do the work and show up openly and authentically.

In this episode, we talk about:

When she and her now husband had their very first money conversation
How that conversation set the tone for their relationship
Red flags when a potential mate refuses to talk about money consistently
How their financial conversations have evolved over time - reading books, not making money the elephant in the room, education, having a systen in place, reviewing together
How they got on the same page financially and the importanve of honesty
The importanve of being open to renegotiating terms initially agreed to
How they set a budget for their Lake Como wedding
How they established boundaried leading up to the wedding
3 key principles they established that continue to serve them today one year into their marriage

While Togor wants to live a quiet rich life, I'm thankful that she decided to share her journey with us. As promised, here's the link to a snippet of their special day on Lake Como.

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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There are quite a few terms used in the investing world. While we were not taught these terms at school, its quite wild that we are suddenly expect to be versed in this language as adults. In this episode of the podcast, I break down:

A public or listed company
Stocks and Shares
Fractional Shares
Why Companies Sell Stock
Stock Market
Mutual Funds
Exchange Traded Funds (ETFs)
Index Funds

In conclusion, Stocks, Mutual Funds, ETFs, and Index funds are all tools for you to consider in your investing portfolio.

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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You've probably seen a lot of payday routines on Instagram and Tiktok lately but they're not really new. In this episode of the podcast, I talk about:

What a payday routine is
How a pay day routine is similae to being inentional with our diwts and exercide
Why you should have a pay day routine
What every pay day routine should consist of
My own pay day routine.

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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For a long time, I've wanted to have this conversation on the podcast. In honour of Women's History Month 2025, I talked with 2 amazing women who are single for now, and thriving financially. In this episode, we talked about:

Their financial aha moments that made them decide to get their finances together
The first steps they took on the journey
The kind of money converdations they had on the journey, or if they did not, why not?
Their thoughts on whether there's a difference in how millennials and Gen Zs approach money?
W has gotten in the way of women thriving financially?
Addressing singlex tax and how it may affect singles
Today, their why or reason for thriving financially?
Being currently single, how does being financially aware and financially fit impact how you show up in romantic relationships and what would you be looking for in a partner?
Would they be okay with a partner that makes significantly less than you do? Why or why not?

Simi Iledare was born and raised in Nigeria. She moved to the United States in 2001, earning her bachelor's and master's degrees in Accounting. She also holds a CFE and CPA designation. Simi has worked in the United States and the United Kingdom and has over 15 years of experience in accounting and auditing. Before 2021, she worked as an auditor with a public accounting firm. She currently works in regulations. She currently lives and works in the United States. In addition to her day job, she has a passion for seeing the world and helping others see the travel possibilities, especially for those working full-time and/or holding a weak passport. You can follow Simi on Instagram at @thesimiedit.

Rimi is a personal finance content creator and Senior Business Analyst in the gaming industry, with 5 years of experience in analytics. Numbers have always been a part of her life, both in her professional work and her personal brand. She started sharing personal finance content when she recognized a gap in financial literacy among young adults, aiming to help others navigate the financial world. Her mission is to empower young people to take control of their finances early on, because personal finance isn’t taught in schools, but mastering it early can be life-changing. Through her blog, Wealth Savvy Gen Z (www.wealthsavvygenz.com), TikTok (@wealthsavvygenz), and Instagram (@Rimikelala), she provides practical tips and insights on managing money, saving, budgeting, investing, and more. Sign up to her recently launched newsletter where she shares actionable tips for people to take control of their financial journey and sprinkles some of her life tea and her current faves weekly. It's here

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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This topic is not new to the podcast. In fact, exactly 2 years ago, I covered Black Tax in episode 73 of the podcast (check it out). But it isn't a one-time conversation. In this week's episode of the podcast, I cover:

The fact that Black Tax remains a reality for many immigrants
Deciding on a Black Tax budget and setting aside an Black tax emergency fund
Deciding on what your exceptions are before hand
Defining you other boundaries (i.e. a minimum number of days for a notice period etc)
Your role in enabling financial dependence
Savior complex and survivor's guilt
Thinking Long term

Let 2025 be your hear of No, or Not this time. Let it be the year to sit with any enabling tendencies or motivation for saying yes when you can't really afford to.

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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In a world that glorifies hustle culture, what happens when you decide to walk away? In this episode, I sit down with Mae Onyekwum, an immigrant who had the courage to leave her dream high-paying job to redefine success on her own terms. We delver into the pressures of hustle culture, especially as immigrants.

Tune in to hear

What hustle culture mean to her
The initial work she did in order to even consider such a choice
How she landed her dream job at Amazon
The importance of marrying someone you're aligned and in sync with
The reality and pressures of working in a fast paced environment
The moment she realized that something had to change
What it cost (financially) to walk away from her dream job
How long it took from the decision to her last day
How high demanding jobs can impact how you show up in other aspects of your life
How the loss of her dad and brother shifted her perspective
The financial choices she made earlier on that made this an option at all
What her life is like now, on the other side of the leap
A message for anyone wondering if this is even a possibility for then

Its time to rethink what success really means. Hit play, and join the conversation.

Mae Onyekwum is what most people would call an all-rounder! She has established a career in the Supply Chain Technology space with over 18 years experience across Big4 consulting, Oil & Gas, Public sector and Retail eCommerce. SShe has lived in 4 continents but always calls Nigeria home!

Mae is also known for her passion for all things women's health and wellness having navigated a PCOS diagnosis since 2009. She considers her main priorities to be wellness, family and food! In 2021, she authored a kids cookbook titled "Risk with a Whisk" which doubles as an adventure story and activity/ puzzle book for young budding chefs. She runs a lifestyle and wellness blog called Good Living with Mae where you can find lots of recipes, musings and resources for holistically managing your wellness, and has recently launched an online women's health & wellness community hub. Mae currently lives in Canada with her husband and their 2 sons.

Keep up with Mae on her blog at www.goodlivingwithmae.com and on Instagram at : wellnessxmae

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Happy New Year!!

Welcome back to the podcast. In this first episode of the year, I get into it by sharing about my Instagram break for the first month of the year. I also share about a pet peeve I recently discovered and how its led to some actions on my part. Then of course, we talked money!

Underrated Money Tips

Spend less than you earn, save/invest/pay off debt with the difference
Invest early
Use credit cards wisely. Know yourself
Index funds are far better than mutual funds and often outperform individual stock picks
Maximize your tax deferred/Tax free accounts
Learn the difference between a need and a want
Marry the right person (don't marry the wrong person)
Pay yourself first
If you dont understand it, don't invest in it
1. Put on your life vest first - hello immigrants, we NEED this

Underrated Financial Resources

Personal Finance Reddit - Check it out here
Dreamcatchers by Budgetnista on Facebook might be the community you need. Check it out here -

Bring Your Money Dilemmas To A Safe Space

You asked and its here! This is new so I reckon we'll tweak as we go. Submit your money dilemmas by filling out this form. I may reach out to you will follow up questions if necessary in order to respond. Thank you for trusting me, and this community! Once again, the link to the form is here!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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19 Podcast episodes later, and we are wrapping up the podcast for the year. In this episode of the podcast, I also answer some of your burning questions, as I always do. We dig into:

What I spent on in 2024
What I'm not buying in 2025
What I'm spending on in 2025
Some key personal lessons looking back on the year
Getting Promoted In Corporate America
Being a CPA and making Partner
Renting out my home
My goal with the blog and podcast
401ks and Roth IRAs for International students
My Thoughts on wives being breadwinners in their homes

Thank you for riding with me all year, Lets go again in 2025!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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We are getting close to the end of the year and podcast season. In this week's episode of the podcast, I'm answering a popular question by breaking down this topic. In this episode, we discuss

Explain what a 401k is and then the difference between traditional and Roth 401k
Examples of scenarios where one option may be better for you compared to the other
Some truths that remain whether you pick traditional or Roth 401k

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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A LinkedIn survey of 33,000 people revealed that 62% had taken a career break at some point and 35% would like to take a break in the future.

Recently, I was talking to someone close to me who is considering tajing a career break and that conversation inspired this episode. The truth is that for different reasons, a career break is something that comes up in the course of our adult lives, but it means the loss of a paycheck.

In this week's episode of the podcast, I share 4 tips to help you financially prepare for a career break. In addition, here's the link to the investment calculator from Nerd Wallet to help you look at different scenarios.

I hope you'll check out this episode of the podcast.

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Well, we received an unexpected Thanksgiving surprise from one of the greatest investors of our time, Warren Buffet. In this week's episode of the podcast, I'm sharing my reactions to his latest letter and lessons that we can all draw from it. Do you agree or disagree, or this is a 001% problem?

I'd love to read from you!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Here we are in November! There are still some financial moves we should all consider making before the end of the year. I hope you check out this episode of the podcast!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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A few weeks ago while cleaning up my google drive I stumbled upon my 2014 finance google document which includes my budget, networth tracker and other things. So of course, I got curious and wow!

In this week's episode I decide to dive in together to look into:

What TIME in the market has done
What consistency has done
What has stayed the same and what has changed over time
Where lifestyle creep has crept in

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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The way adulting works is that there's always an expense (known or unknown) around the corner. In this episode of the podcast, in response to a listener request, I break down HYSA or high yield savings accounts. I talk about:

When I opened my first high yield savings account 17 years ago
What a high yield savings account is and why these accounts are able to pay higher interest
What to look out for when deciding on a high yield savings account
Some of the top rated HYSAs in the USA
How I use my high yield savings accounts for different savings goals

Please listen and share this podcast!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Working in Japan has been quite the discovery. In this episode of the podcast, I look back on my first year here and share the following:

Interesting unique aspects of working in Japan
Socializing at work
A funny story that still makes me chuckle today
Adjusting to a new team and team culture
Work life balance
How to indentify opportunities like this for someone interested

Thank you for listening and for being here! Next week, we get back to money!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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And just like that, I've lived in Tokyo for a year! Pinch me! I remember saying goodbye to my friends and boarding that flight to Japan. There were tears and a bit of anxiety about the unknown.

In this episode of the podcast, I share about:

The Early Days
A particularly low moment in the early days
Some practices in the early days
A God-moment in the first month
What surprised me about Japan
What I like and dont like
A Great question on life in transit - in between
Building Community so far
Dealing with language, culture shock, language barrier, and social acceptance
Cost of living/food etc
One thing Ive struggled with and an event that upset me

Martin Buber said that every journet has secret destinations of which the traveler in unaware. I can't wait to see how the rest of my time here unfolds.

Ganbatte!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Friendships end. Or at the very least, they evolve. We have manuals on ending romantic relationships or even leaving our jobs. But how do we handle the end or an evolution of a friendship we thought would last forever?

In this episode of the podcast, I share about 4 instances where my friendships have ended or evolved, and the lessons I learned from each of those situations. I hope you'll check out this episode of the podcast.

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Not everyone has the luxury of a steady job and paycheck. Entrepreneurs and freelancers often have varying income from one month to the other. In this episode of the podcast, I share 5 tips on how to budget on an irregular income. I hope you'll check it out

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Early on in my financial journey I came across an article about financial milestones by age and I was completely discouraged by it. Why? Because based on my life circumstances, I was no where near the milestones for my age.

Instead of looking at age based milestones, in this episode of the podcast, I focus on 5 financial milestones that actually matter regardless of your age.

Living Below Your Means (& Investing Early and Often)
Having and honouring your financial boundaries
Becoming Financially Literate/Aware
Avoiding Lifestyle Creep When You Become A High Earner
Building Wealth and Making Money Conversations The Norm With Your Kids

Now, I think those milestones are good guidelines, but they are probably work for those who live a very check-the-box lifestyle with everything going to plan from birth! Unfortunately, this is not the story for most of us. Now, over a decade later, while I didnt start out close to the milestone for my age, I'm on track to exceed the next financial milestone.

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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What if I told you that you didnt have to sell or soul or compromise on your values to navigate office politics? In this episode inspired by listener questions I cover:

I share my views on whether you can rise without participating in office politics
Remaining your authentic self while navigating office politics
The importance of being politically aware/intelligent
A reminder that your work alone does not have a voice but you do
Some rules of engagement when navigating office politics
The importance of reframing how we think about office politics
Understand when the right move is to leave

If you dont do politics, politics will do you!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Hey Ya'll!

I'm alive! I've been through it but I'm alive and well and crawling out of the spreadsheets into the light of Summer!

Frankly its been a tough two months leading up to last week atwork but we finished the project and finished WELL. But my goodness did I/we work harddttt! Yo, its not the same in your late 30s oh!

So we are back for the next four weeks, finishing this season of the podcast! Let's catch up! How've you been?

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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The immigration process can be brutal and the journey can feel endless. In this episode of the podcast, I answer a listener question about the wait. We discuss
1. Being creative in doing things that build your spirit
2. Taking advantage of the digital world and easier ways to make a living
3. Honouring the process
4. Truly looking at all your options beyond your current location
5. Pray about it
6. Move with conviction

If you know me at all, you know that as an international student myself, I have a soft spot for the immigrant community. I am always rooting for us to win, big and small!!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Friendship continues to be a recurring theme in my life and a recurring theme in listener desired topics. In this week's episode of the podcast, I tackle a listener question from December about navigating friendships where there is a wide income gap. This time, from the perspective of the higher earner. It is a delicate topic but thats why we need to talk about it. In this episode, we discuss:

How widening income gaps will likely always exist
Six tips to navigate friendshps with wide income and wealth gaps as the friend that makes more including
1. Dealing with assumption that people kay have about your financial situation
2. Being thoughtful about the activities you suggest
3. Knowing your friends and acting accordingly
4. Talking about money - with tact
5. Being generations without expecatipns or control
6. Don't shrink

Part 2 is coming next week!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Friendship continues to be a recurring theme in my life and a recurring theme in listener desired topics. In this week's episode of the podcast, I begin to answer a listener question from December about navigating friendships where there is a wide income gap. It is a delicate topic but thats why we need to talk about it. In this episode, we discuss:

The widening income gap I've observed recently and my experience making /having less
Results from a recent study by credit Karma
Six tips to navigate friendshps with wide income and wealth gaps as the friend that makes less including
1. Honoring your own budget and financial boundaries
2. Accepting generousity but not feeling entitled to it
3. What to do about your feelings
4. A reminder that your net worth is not your self worth
5. Re-evaluating the friendship
6. What signals might lie underneath the tension
7. A reminder about agency and my hope for anyone navigating this situation

Part 2 is coming next week!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Last time I did a Q&A, this question from a listener came up and I decided to take the time to answer in its own standalone episode. Many immigrants make that initial mistake with our first credit cards and I just want to applaud this listener for asking. There's no shame here!!!

In this episode, I share about:

How credit scores work in the US and UK
The three credit bureaus and reporting agencies
What a good credit score is
Why credit scores matter
Ten ways to improve your credit score starting today

I also share an earlier episode Season 2 Episode 8 where I touch on similar topics. Please listen to both episodes.

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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We'reee baccckkkk! In this warm up/return to the podcast after a longer than anticipated break, I

Catch you up on my year so far
Why my friends visiting had me in my feelings
My thoughts on loud budgeting and the changes in real estate commissions in the US

Let's catch up, and I'll be back next week!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Its the last episode on 2023 and in similar fashion, I am answering your questons and they came in hot. In this episode of the podcast, I answer listener questions across Career, Finances, Personal Reflections and so on. In this episode I answer question on

One thing I'm most proud of in 2023
What I'm looking forward to in 2024
My biggest financial lesson of 2023
I'm terrible at tracking my spending in different categories, What works for you?
The financial impact of friendships
Ex-husband owes $5,000, should I let it go or go to small claims court
What to do about Christmas gifts when paying debt and saving?
How Do you make time for learning and development ? What does this look like for you?
9.How do you cope with or manage burnout?
New to a new country and 8 months into a new job. I've received good feedback but Im not yet the star girl and that makes me anxious. How long does it take?

I answer these questions and so much more. I hope you listen!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Hot takes are so freaking popular and they're clickbaitey (is that a word) but they seem to work. The thing is though, they are hardly ever 100% true and there's always nuance to things in the world of personal finance.

In this week's episode of the podcast, I respond to 6 hot takes and share my personal opinions/thoughts. Again, am I always right? No!

This is not financial advice, just me sharing my nuanced views. Personal finance is personal, always sort through information with your own internal filter!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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The Holiday season is here and this episode is inspired by the OG podcaster, Myliek. In a recent episode, she briefly touched on boundaries over the holiday season and my brain went...pingggg and here we are. This got me thinking about how often we hear or even we talk about getting through the holiday season and that does not sound enjoyable.

So this episode is a reminder for all of us to set the following boundaries especially this season:

Set Boundaries with yourself and pour into yourself
Set boundaries at work this season
Set boundaries with your family
Set financial boundaries NOW
Schedule time with your chosen family
Embrace the Joy of Missing Out

Have a wonderful holiday season, with your boundaries out in full force!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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In this episode, I use a recent hilarious real life experience to analogize how lifestyle creep can happen. In this episode I talk about

How I recently adjusted to a new level of convenience without knowing it
What lifestyle creep/inflation is
How I avoided lifestyle creep early on in my career but also honestly shared how I have allowed for some conveniences since then
I share about the different extremes we can turn to as our incomes increase
Four ways to keep lifestyle creep/inflation in check
I wrap up the episode with a reminder to compare monthly expenses to what they used to be before the end of the year. Are there intentional lifestyle improvements or have things crept up on you? Let me know what you find

They say lifestyle inflation is a silent killer of budgets. Don't let lifestyle inflation have you sabotaging yourself!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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You've probably seen something about someone scaling a side hustle to six figures and beyond. Side hustles are not new but they've gotten a sexy makeover in recent years. In addition, with rising costs, side hustles are a necessity for many. But is a side hustle right for you?

In this episode of the podcast, I talk about:

Stats around side hustles according to a recent survey and McKinsey report
My parents and their side hustles
My side hustle history as a student
When a side hustle may be a good idea
When a side hustle might not be a good idea
Landing somewhere in the middle
Do I Plan to side hustle now?
Toxicity of the side hustle culture

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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We did it Joe! After two years of having it as a goal, I finally opened a 529 college savings account for my unborn child(ren). In this episode, I share my experience breaking down the conversation into the following:

What is a 529 account
Why this account versus other investment vehicles
Why I opened it without having a kid
How im able to open an account pre-kid
What Happens IF I Make more than one kid?
How I actually opened the account
How much do you need to put away to afford college?
What happens if I don't have kids

I havent fugured it all out but I figured it out well enough to start and I always want to share that part.. the journey. Some resources I found are

www.savingforcollege.com
www.upromise.com

Please share this episode with a parent or aspiring parent in your life

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Its my birthweek and in this episode of the podcast, I chose to start a new tradition here. I share lessons i've learned or that have been reaffirmed in the past year. Happy Birthday to my fellow virgo/September babies!!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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You heard/read that right. I'm still in shock and I don't think it'll sink in that I now live here for a while. In this episode, I talk about:

My move from Minneapolis USA to Tokyo, Japan a week ago
Why Japan
What the move means for this platform
4. How I'm feeling from when it came up, to leading up to the move, to 5 days in Tokyo
How this move feels different from other moves and ways moving abroad will humble you
What this move means for my house
How I've prepared for this move (financially, emotionally)
My hope for this next chapter
What I'm most excited about

This immigrant has moved again and this was not at all a move I planned or expected this time last year. Here's to taking steps in faith! Can't wait to see what lies on the other side and can't wait to bring you along.

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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I'll be honest, this topic has been on my mind since I bought my home a year ago. I'm simply one of those people that aren;t comfortable owning a certain amount of money. I figured I'm not the only one that has these thoughts so lets talk about how to pay off your mortgage faster.. In this episode, we talk about:

2 situations where it might not be the best idea to accelerate paying down a mortgage
Four ways to pay down a mortgage faster than scheduled
Pitfalls to avoid when paying down a mortgage faster than scheduled
- Allocating the extra payment to principal
- Asking about any prepayment penalties
- Looking into recasting

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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I'm so excited to finally have this part of my conversation with one of my best friends about money and friendships.

In this conversation, Kemi and I not only model money conversation, but we tackle insightful aspects of money and friendships. Our conversation covers:

Her first financial aha moment
Graduating from her MBA with student loans and how she started her path to paying them off
How and why she decided to pay off debt and still invest at the same time
What a money circle is and her first experience getting into a money circle
Money circle vs forums
Important traits for a successful money circle
When to put a legal framework in place before investing with friends
How she joined of her first formal investment club and the power of investing collectively (stronger purchase power, pooling capital, access to information, access to network)
Importance of taking action and personal responsibility
What makes her advance vs. retreat during money conversations?
Our experience with investing together - how we did it, how it went awry, what we learnt from it, and how it impacted our friendship
How the diaspora can find opportunities to invest at home/on the continent and beyond

Kemi is on Instagram at kemionabanjo! Please let her know if you found this conversation insightful.

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please give the podcast a 5 star review on Apple Podcasts, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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The podcast is back with Season 8!! I'm kicking off this season by reflecting on some amazing news! I got the biggest promotion of my career, effective July 1, I was admitted into the Partnership at the firm I work for. I've had some time to reflect and also took over 20 questions from you. In this episode, I talk about:

My reaction to the promotion
Whether I always wanted to be a partner from day 1
My best career strategies that helped me get to where I am
Staying in one place vs job hopping (my thoughts)
My greatest lesson on leadership so far
Am I Nervous about this chapter, and if I am, how i'm handling it
What I plan to do with my raise
How to scale your career as someone stuck in a specialist role
Best advice for mid-level career woman, also an immigrant
What I wish I had done differently
My struggles with impostor syndrome and how I overcame it
Am I happy?
How I'm fully embracing this new season and fully taking up space
What I'm most proud of

I would not be here without so many people. My family, my many mentors and sponsors, my friends. This win has been celebrated by so many people, some of whom I've never even met. It is not lost on me that this means so much not only to me but to so many others. Thank you for celebrating this win with so much joy, as though it is yours. It truly is ours. My Scotland crew, my work crew, Winona crew, the Ikorodu crew, my Minneapolis family, My RAOJs, this online community! Tosin and RSD, thank you!!

Thank you, and congrats to us!!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please review, subscribe, and share this episode with someone in your world that needs these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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We have finally come to the end of the longest season. Even as I look back on the last six months of my life, what a rollercoaster it has been! In this final episode of this season, we talk about

My half-year recap and I answer 6 listener questions on
How I got my first promotion at Work
Navigating professional and career growth abroad
Paying off student loans vs maxing out retirement
How long is too long before a promotion or new company
When to buy a house
Tips for someone starting their personal finance journey in their 40s

Thank you for coming along for this season of the podcast. I can't wait to bring you the next season, but for now I'm going to take a little break :) to soak in all the things happening in my life and then I will be back. See you in early August!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please review, subscribe, and share this episode with someone in your world that needs these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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What does it cost to be a bridesmaid in 2023?

The financial cost of being a bridesmaid is regional, cultural, and situation-specific. However, we can all agree that things seem to have gotten a bit out of hand in recent times. It is a great honour to be asked to stand next to a close friend or family member on one of the most important days of their lives, but it can also get expensive. I love a beautiful wedding but not one that put people in debt. In this week's episode of the podcast, I talk about:

Standard costs of being a bridesmaid
How I think about some of the costs of being a bridesmaid
6 things brides should think
Reasons to say no, thank you as a potential bridesmaid
How to support the bride in other ways
What to do when planned bridesmaid expenses get out of hand
Why I don't want a bridal party but I probably want a bachelorette/Bridal shower gift

As a retired bridesmaid and future bride, I share personal experiences and would also love to read from you on your experiences. Happy wedding season.

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please review, subscribe, and share this episode with someone in your world that needs these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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It's very obvious that life insurance should be a part of financial plans for those that have dependent children, and spouses, but what about singles? Up till now, I've either said no to life insurance or at lest, I have been on the fence.

In this week's episode of the podcast, I talk about why I'm changing my mind about life insurance including:

Life insurance that I do have through work
Recent events that have caused me to reconsider my stance on life insurance
Why I think I'll only need life insurance for a short time so i'm looking into Term life
Why singles need life insurance too

If you're on the fence, I hope you'll listen to my position and why I changed my mind. Do you have life insurance? Why did you decide to get life insurance and how much coverage did you get?

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please review, subscribe, and share this episode with someone in your world that needs these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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If you follow me on Instagram, you know that I have thoughts on this Netflix series by Ramit Sethi. Sethi is somewhat of a household name in the personal finance space and I've read his book and frequently shared his podcasts on the gram. In this episode though, I share my reflections on the Netflix series. I talk about

Themes from the show
Diversity of the cast
How they kept things interesting so maybe the most interesting money series I've seen in a while
What I love the most -- the conversation the show has sparked especially because we can see ourselves or someone we know in the cast
5 Defining Your Rich Life

Inner work always preceeds the outer results, in life, in love and in Money.

It is so important that we all define what our own Rich lives look like for US, not based on whats popular or what someone said, or what we saw on social media. Many times, it is an act of rebellion and courage to be brave enough to choose our own definitions. I hope you'll choose yours. Two years ago, I recorded podcast episode on how to live your best rich life, I listened to it and I was like.. dang, it is still so relevant. I hope you'll also check out that episode of the podcast (Episode 21).

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please review, subscribe, and share this episode with someone in your world that needs these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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In honor of April being Financial Literacy Month, I wanted to share some of the best episodes of the podcast over the last (almost) 3 years. Let's break it down into 4 categories of podcast episodes that are helping immigrant build their financial literacy but also live fully at home and abroad:

Most Popular Episodes (Listener Faves)1. Building Adult Friendships - Episode 59 with Kemi Onabanjo Joseph
2. What's Your Money Mindset - Season 1 Ep 1
3. 20 Years An Immigrant - The Highs & Lows - Episode 58
4. How Sayo Became Work Optional At 33 (Episode 53) and
5. How Dumebi Pivoted Into Tech & Doubled Her Base Salary (Episode 49)

Underrated Episodes1. Are Your BFFs Your Money Tribe- Season 2 Ep. 5
2. Important Conversations To Have With Your Parents Now (Episode 69)
3. Should You Lend Money To Family? (Season 2 Ep. 4)
4. How To Invest For Kids Without Going Broke (Ep. 55)
5. How Black Tax Affects Immigrants & What We Can Do (Ep 73)

Debt Payoff Episodes1. How Korma & Jonny Paid Off $75k in Under 2 Years (Season 2 Episode 2 & 3)
2. How Ayooluwa Paid OF $45k in One Year Using DoorDash (Episode 67)
3. How To Make a Debt Payoff Plan That Works (Season 1 Episode 9)

My Personal Favourites1. Immigrants At Work - How To Show Up For Yourself (Season 1 Episode 8)
2. Viv's Journey From Medical School to Entrepreneurship (Ep 36)
3. Lessons From My Money Mistakes (Season 2 Episode 6)
4. How To Financially Prepare For A Move Abroad (Season 2 Episode 9)
5. The Pressure To Be The Perfect Immigrant (Episode 32)
6. Suzanne's Real Estate Investing Journey ((Ep 25 & 26)

Whether you've been listening since the beginning or you just found the podcast, there's something for your specific situation in these episodes. I hope you'll check out the recap and be re-inspired or inspired afresh!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please review, subscribe, and share this episode with someone in your world that needs these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Everyone tells you that you need to save and invest for retirement, but what does that mean in concrete numbers? How much do you need to save/invest over time to be on track to retire without being a 'burden' to the next generation? In this episode, I talk about:

2 different ways to calculate how much you need to save/invest for retirement
Method 1 is replacing a percentage of your income at retirement. See this retirement calculator
Method 2 is working towards a specific investment goal based on your calculation of (Annual retirement income/4%). Calculate how long it will take to get to your investment goal using this Bankrate calculator

In this episode, I also talk about what to do if you're ahead of schedule, and I share options for those that may feel behind. While the easiest way to stay on track for retirement is to start early, it is possible to start saving for retirement at 40 and still retire with a decent nest egg.

I hope this helps you wherever you are on your journey. I'm rooting for you.

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please review, subscribe, and share this episode with someone in your world that needs these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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When my friend suggested that I talk about this on the podcast, I said, why not? In this episode of the podcast, I talk about the state of my finances during the following phases of my life

My early 20s - super broke
In my mid 20s - got a full-time job, started to pay off debt, Felt behind, and isolated financially
In my late 20s - debt free, budget traveler, saw the impact of not having a will
In my early thirties - moved to another country, took a pay cut
My mid-30s - thinking about legacy, starting this platform, buying a home (finally and so much more)
My hopes for the next season

In this episode, I'm honest about things that have changed and things that have remained the same. What a difference time makes and what a journey. I hope listening encourages you and also inspires you to look back on your own journey!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please review, subscribe, and share this episode with someone in your world that needs these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Procrastinating can be expensive and I certainly experienced that last year. In this episode, I'm sharing 5 ways that my procrastination ended up costing me money in 2022.

Last-minute eye exam and glasses order
Last-minute flight bookings
Signing up for city-subsidized parking at work
Corporate credit card expenses
Canceling services timely

As you can see, all of these were avoidable, yet here we are. I'm human and I'll still make money mistakes from time to time. Now that it's out in the world, I want to normalize talking about money mistakes here and there without change.

Do you tend to procrastinate as well? While it may seem like one small thing here and there, remember that it only takes a small leak to sink a ship. So lets plug those leaks one money habit at a time!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please review, subscribe, and share this episode with someone in your world that needs these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Welcome back to the podcast! There's been so much going on so I had to address this head-on, and in doing so, break things down. There's been a lot of sensational headlines, and even misinformation so I decided to share a bit for informational and educational purposes. This is NOT financial advice. In this episode, I talk about:

Silicon Valley Bank's background
How Bank's make money
What went wrong for SVB (Silicon Valley Bank)
How SVB's collapse affect depositors, shareholders, and other investors
Whether the government is bailing out SVB or not
Whether I'll be moving my savings or spreading them across many banks
Signature Bank and Credit Suisse in the news lately

If you've enjoyed this episode, please share it with someone that's looking to understand what in the world happened! See you next week!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please review, subscribe, and share this episode with someone in your world that needs these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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If you know an immigrant, there's there's a good chance you know someone that pay Black Tax every month. Is Black tax a blessing or a burden? Let's talk! In honor of Black History Month, let's talk Black Tax and Immigrant/BIPOC community.

The origins of Black Tax
Black Tax in my family growing up and how it was the norm
When does gratitude turn into guilt and an inability to say no even at our own expense?
Why we don't talk about Black Tax
How Black Tax affects our ability to build wealth
How much to support family and friends?
4 Guidelines to abide by when supporting family and friends
A Message for those always waiting for the 'well-off' family member to always bear the brunt of responsibilities

The goal is that we are the generation that lifts the burden of Black Tax, not adding to it. Black Tax (in my opinion) can be a blessing AND a burden. However, we need to get in the habit on putting our own life vests on FIRST, and saying No.

Happy Black History Month!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please review, subscribe, and share this episode with someone in your world that needs these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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I've been wanting to share this for a while now and I'm glad to finally be sharing this. Purchasing your home is a big deal, purchasing your first home as a single person and without family is a bigger deal. In this episode, I talk about 5 lessons I learned from purchasing my first home.

20% Downpayment may not work for everyone
Understand the eligibility rules of any home buyer programs you look into
You get what you negotiate. Negotiate everything!
I love my home but I still don't like owing a couple hundred thousand dollars
Everything they tell you about saving for closing costs is true
(Bonus) Don't rush it, you'll know when you're ready

Are you looking to buy a home soon or did you purchase a home recently? what lessons do you agree or disagree with? What lesson most resonates with you?

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please review, subscribe, and share this episode with someone in your world that needs these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Happy new yearrrr. As you'll hear in the energy in this episode, I'm excited to be back with Season 7 of the podcast. In this episode, I talk about 7 things we need to do differently with our finances this year.

Addressing the convenience of online shopping because online shopping has proven to be a budget killer
Being intentional about where you put your money based on your goals.
Budgeting and sticking to it
Diversifying your income stream
Earning some interest on your savings because why not?
Budgeting for inflation
Not wait on student loan forgiveness (I know, I know but hear me out)

What else are you doing differently with your finances this year? Id love to hear what you're getting up to!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please review, subscribe, and share this episode with someone in your world that needs these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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In this bonus episode, join me as I sit down as I reflect on 2022. and share an exciting announcement. In this episode, I

Thank You the listener for being along for the ride
Share about how this year has been equal parts wonderful and heavy! Many high highs and low lows
Share about how I'm winding down the year and spending the holidays
Share about my finances for 2022 overall
Share about the wealth building clinic and financial vision board session that Shida and I are hosting on Saturday, January 7th, 2023. This session is for you if you are:
Ready you take action
Willing to contribute to the community and hold each other accountable
Not looking for a get rich quick scheme
Ready to do this in community

If this sounds like you, buy your ticket here and we cant' wait to do this with you and hold you accountable all year long. This is an ABSOLUTE steal for the value!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please review, subscribe, and share this episode with someone in your world that needs these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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In time for the holiday season, this episode discusses a timely reminder for important conversations to have with your parents as you gather around the table or even a facetime call.

In this episode, I discuss

Having picture conversations about what retirement will look like
Estate planning discussions
Questions to ask your parents about where they plan to live in retirement
Understanding their financial situation
Understanding the emotional support your parents need
Understanding your parents' wishes,
Clarifying responsibilities and expectations
Personal examples from my life

Money & aging are topics people try to avoid but they are so necessary! I hope you'll check out the podcast.

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please review, subscribe, and share this episode with someone in your world that needs these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Let's break down retirement investing as simply as I possibly can. In this episode, I talk about:

The burden of being the sandwich generation and the norm for kids to provide for their aging parents in certain cultures
Why it is important to invest for retirement and why investing for retirement is generational wealth
Types of accounts to use to invest for retirement
Why investing through an employer first may be a good idea
Retirement investing alternatives without employer match (IRA, ISA, TFSA)
Explaining what a brokerage is
Roth IRA vs Traditional IRA
Prioritising investing for retirement vs investing for kids

I hope this episode breaks down retirement investing for someone looking to start but has trouble understanding where to start and how things work. Please share this episode with someone that needs it!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please review, subscribe, and share this episode with someone in your world that needs these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Ayooluwa really paid off $45k of student loan debt in one year and it took an incredible amount of focus and sacrifice. I'm excited to bring you our conversation this week. In this episode, we talk about:

How and why she moved to the United States in 2016
How she took a leap of faith after a fully funded scholarship by the Nigerian government did not materialize at the last minute
How she funded her Master's Degree with a combination of savings, scholarships, and a loan
How she got a co-signer for her loan as an international student
How she got into DoorDash while applying for jobs and how she made a plan to pay off in one year
How she kept expenses down and what she sacrificed while paying off debt
Why we need to have more money conversations in our community
How things have changed since she paid off debt and her current focus
Her message for anyone feeling like they're sitting on a mountain of debt
How's she's investing in this economy

If you're on a debt payoff journey, this story will inspire you. I hope you'll listen and share.

Ayooluwa is a Certified Financial Education Instructor (CFEI) who specializes in personal financial wellness. She is passionate about creating money savvy professionals and entrepreneurs by helping them define their money goals and providing practical guidance on how to achieve the goals. She is a chartered accountant with several years of financial services experience in a Big 4 accounting firm and the oil & gas services industry. She shares personal finance strategies covering budgeting, saving, investing, insurance, debt pay-off plan and retirement plan amongst others.

Keep up with here on Instagram @myfinancecenter or on Linked In Ayooluwa Ijarogbe

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please review, subscribe, and share this episode with someone in your world that needs these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Let chit chat this episode while I share 5 things you should know about in November 2022

The Fed has raised interest rates again. What does this mean and what did the Fed say to expect?
The twitter saga with Elon Musk. #drama #MrErratic
Tech job freezes and downsizing announcements
IRS announced limits for 401ks, IRAs, and HSAs for 2023. Let's talk about it
Powerball lottery is at $1.9billion. What would you do if you won a huge sum of money? Let's talk about the man that won $30 million in China but kept it a secret!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please review, subscribe, and share this episode with someone in your world that needs these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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When I first started at my full-time job 13 years ago, benefits enrollment and open enrollemt were foreign languages to me. With no one to talk to, I read part of the jargon, made my elections, and kept it moving for SIX years. It would take me that much time to realize that I'd been selecting the wrong health insurance plan . It's that time of the year when employees of companies in the USA are making their benefits elections.

In this episode, I explain key open enrollment reminders. I talk about
1. Some key terms that relate to health insurance
2. Understanding the plan options available to you and then assess what plans(s) are best for you
3. Comparing your company's options to the options provided by your partner's employer
4. Understanding what has changed in your Company's benefits and policies.
5. Assessing any changes in your life or in your life goals that warrant a change in your benefit enrollment elections for the year.

Your benefits are part of your overall package and you should make sure they're working for you. Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes.

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please review, subscribe, and share this episode with someone in your world that needs these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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OG Listeners will recall we had this recession conversation in June (Episode 54 of the podcast). However, since then

Central banks have continued to struggle to control the flow of money and the Federal Reserve has raised interest rates 5 different times this year (so far)
Inflation reports for September show inflation at 8.2%. Thats still high!
Gas prices have fallen a bit but they're still high and OPEN is decreasing oil production starting in November 2022.

I share all this to say that there is still volatility and the signs of a recession are pretty glaring. The goal is not to freak you out, but it is to put you and I on guard. In this episode, I share 7 things to do to position yourself to weather a potential recession

Do a financial audit
Revisit and ramp up your emergency fund
Pay down high interest debt
4.Bring value at work and Upskill
Increase your income
Diversify your investments
Get support within your community

We are always heading towards a recession, we just don't know when and for how long. Recessions will always have casualties but they also always have winners. Want to know more on what to do with your money right now depending in your financial situation? Listen to Episode 3 of the podcast1

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please review, subscribe, and share this episode with someone in your world that needs these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Alex Mason is a passionate investor and curator of the best stock market ideas. Since 2018, he has been the host of Stock Stories, a podcast and now, YouTube channel, helping investors decode the business behind the stock. He is studying every component of the S&P 500, and sharing everything he learns.

After graduating from MIT and starting work as an aerospace engineer, he realized there was much more to money than just working hard and trading time for it. After discovering investing in his early 20s, he and his wife eventually built a portfolio that allowed them to become financially independent by 30 years old.

Though work is now optional, Alex continues to work in the aerospace industry and is passionately studying companies and producing new stock market lessons every week, in addition to working at a fintech startup part-time. He plans to take a sabbatical next year with his wife.

In this episode, Alex & I talk about:

What he learned about money growing up
Having their financial 'aha' moment at the age of 21
How they started on their investing journey
His 3 favorite books for investing newbies
How he thinks about investing in index funds vs individual stocks
How to start dipping your toes into individual stock investing
What is the S&P 500 and why he decided to analyse these stocks
What to look for when researching a company
How to think about growth stocks vs dividend stocks
Common investing newbie mistakes
What financial independence means to him
How life has changed since attaining financial independence
Sabbaticals and building in pauses into our lives

This episode is packed with so much value. Break it up into parts if you must but please give it a listed and follow along on Alex's Podcast and/or YouTube channel.

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please review, subscribe, and share this episode with someone in your world that needs these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Unless you've been living under a rock, you've seen some pretty wild statistics about the Great Resignation and people leaving their jobs. How do you know that you are ready for a new job or career? Let's talk about it. In this episode, I talk about:

10 signs that it is time to look elsewhere
If you've decided that it might be time to leave, Remember that
It's okay not to be clear on the exact next steps but start with what you don't want and follow your curiousity
You should be honest about whether you're changing jobs in the same fields or changing careers entirely
It is best to look before you're desperate so you can consider your options from a place of power

Want to learn how Dumebi pivoted into tech and doubled her base salary, listen to episode 49 of the podcast!

Thank you for the gift of your time and attention. Thank you for listening to this episode of the Rich Immigrant podcast, please review, subscribe, and share this episode with someone in your world that needs these conversations. Please join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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We're back!!!!! In this week's episode, we are taking on the rent vs buy debacle. In this episode, I talk about:

How my dad asked me when Id buy a home as soon as I got a full-time job
Building wealth while renting vs buying
Are you throwing away money by renting?
Breaking down the make-up of mortgage payments and what portion is actually building wealth
Why just comparing rent to mortgage is actually an apples to oranges comparison
Pros and cons of renting
Pros and cons of buying your home
Examples of people making different choices based o their circumstances, preferences, etc.

This episode is not meant to tell you whether to rent or buy a home. The goal is to equip you to make the right decision for you. V

Thank you for the gift of your time and attention. Thank you for listening to this episode and this season of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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This week's episode is inspired by conversations and observations that I have made lately. No one likes to be called cheap, but there's a fine line between being cheap and being frugal so let's talk about it. In this episode, I talk about:

What it means to be cheap or miserly
Examples of cheap behaviors
What I am NOT referring
What it means to be frugal
Examples of frugal behavior
Where the fine line between being cheap vs frugality gets crossed
4 Questions to find out if you're being cheap

This episode is not meant to shame us, the goal is to help us identify our own patterns and course correct them when we can. It is important that we remember that money is a tool. It is a tool to be used rather than one to be hoarded. Values-based spending is ultimately the goal.

Thank you for the gift of your time and attention. Thank you for listening to this episode and this new season of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Friendships & community have been a recurring theme on my mind this year. How can we live rich lives without rich relationships? In this episode, I have a long-awaited conversation with one of my besties, Kemi Onabanjo - Joseph. In this episode, you'll hear a lot of laughter, reflection, and wisdom, as we take you on a journey. We talk about:

How we met (how a seemingly insignificant IG moment birthed something bigger than us)
What is something Kemi is learning this season?
How we have stayed connected over time despite living on different continents
How does she make time to stay connected to her wide network and to her closest circle (which is pretty wide)?
How she thinks about relationships and making room for new friends
How she has processed and moved forward from friendships grown distant
Authenticity and vulnerability are superpowers that she has managed to tap into. How is she able to show up and share in this way?
Looking back on our friendship over the last 5 years, what she is most thankful for (I share what I'm thankful for as well)
Her best advice for anyone actively looking to find their tribe in this season

Part 2 of the conversation will get into Friendship Money circles! I can't wait to have Kemi back (this year) to finish our conversation!

Kemi will say that she is just a happy child (also someone's mom and wife) who loves life, loves to laugh, loves to dance, loves to travel, loves to stay fit (sometimes), loves work, loves love, and loves Jesus.

Kemi works as an Associate Partner of one of the leading global management consulting firms (McKinsey & Company) in Nigeria. Prior to joining McKinsey, she worked with Zenith Bank and Ericsson (both in Nigeria) across various roles. Kemi holds a B.Sc. in Computer Science from Covenant University and an MBA from INSEAD in France (where she was valedictorian for her class).

Outside of work, she is the President of the Covenant University Alumni Association, a pioneer Mandela Washington Fellow of President Obama’s Young African Leaders Initiative, an Associate of the Nigeria Leadership Initiative, and a pioneer mentee of the WIMBIZ (Women in Management, Business and Public Service) mentoring program. She is a member of the Board of Trustees for HOPE (Helping Other People Excel) and also serves on the board of the Steadfast Love Foundation and Beyond a Curved Spine.

In 2018, she was a Future Awards Africa Nominee in the Professional Service category and was recognized on YNaija’s Power List for Corporate Nigeria. In 2017, she was also recognized as one of the top 100 inspiring women in Nigeria by Leading Ladies Africa. She actively mentors young men and women.

Kemi is a lover of theatre and actively explores the world through travel. Follow Kemi on Instagram here and sign up for her weekly value-packed newsletters here!

Thank you for listening to this episode and this season of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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This past weekend made 20 years since I stepped on American soil as a wide-eyed, sheltered 16-year-old eager to take on the world on her own for the first time and in a new country. I couldn't think of a better way to kick off Season 6 of the podcast.

In my most personal episode yet, I'm doing my best to compress 20 years into 30 minutes. In this episode I talk about and share lessons from the following segments of my journey:

Getting through University and my career progression so far
Facing my biggest fear - the loss of a loved one
Traveling the world
Immigration matters and my challenging journey
Friendships over the last two decades
My hopes for the next season/decade
My hope for you, listening on the other side

It is impossible to cram 20 years into 30 minutes. There's so much I could have dug into but maybe that's a story for another platform, or even a book :). I hope my journey inspires you, or at a minimum helps you understand my experiences and how they've shaped me.

Thank you for the gift of your time and attention. Thank you for listening to this episode and this new season of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode with someone in your world that needs to hear these conversations. Please stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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It's the season finale of Season 5 and in my usual fashion, I'm wrapping up the season with some personal updates and answering 3 listener/community questions. In this episode, I share about:
1. My big update - I'm buying my first home

I share why I changed my mind about buying a home
My honest thoughts on buying a home right now including
- Current interest rates
- Home Prices
- What I'm most proud of right now
What's going on in my portfolio year to date
Listener Q&A - I answer these three questions from listeners
How I managed my finances on a low income when I was a student and when I was working in a factory
How I allocate my resources and the principles that I apply
How I've grown in my career. Read about a day in my life as of 2017 here and 10 lessons from a decade in a global career here

I can't thank you enough for coming on this journey and for listening to this episode and this season of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode with someone in your world that needs to hear these conversations. Since I'll be taking a break between seasons I'm taking up a reels challenge in July, catch me on Instagram! Please stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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A few weeks ago, I posted about iBonds on Instagram, and not only was there a lot of interest but I also learned that many people didn't know about them. Since Instagram is only snippets, I wanted to record this podcast episode to get into iBonds a little bit more. As always, the goal is to share the knowledge so that you can make the right decision for you/your family. In this episode, I answer the following questions:

What is a bond and what is an iBond?
Where have iBonds been all this time?
How do interest rates work on iBonds?
Who can buy an iBond?
How much can I put into iBonds?
How can I buy iBonds?
What are the pros and cons of iBonds?
Should I buy iBonds?

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode with someone in your world that will benefit from understanding iBonds. Visit Treasury Direct to purchase iBonds electronically. Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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This topic is near to my heart, and yours I presume! As immigrants and BIPOC, especially, we know all about Black Tax but we want to lessen the burden for the next generation. In this week's episode, we talk about how to invest for your kids even if you don't have kids yet. We cover:

Take care of yourself first (financially)
What you teach and model is more important than how much you pass on
Making investing and financial literacy part of everyday conversations (age-appropriate, of course)
Open a 529 college savings account (or an RESP in Canada)
Open a custodial account (the UK equivalent is a Junior ISA)
Open a Roth IRA for your child as soon as they start working
How to invest for your kids if you're just getting by and can't invest for your kids now
The one thing you can offer your kids that is priceless - a toolkit to tackle life

I can't wait to hear and see all you do to protect, educate, and position your kids.

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode with a parent or future parent today. Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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We need to continue the conversation around what is happening in the market so that each person can respond accordingly based on his/her financial situation. We saw a dip in economic activity in the first quarter, and there have been talks of bear markets, but what should we know at this time?

In this episode, I talk about:

What is a recession?
Who declares recessions in the United States
The best time to prepare for a recession
8 Tips for handling your finances in the face of a recession

I hope this episode provides you with tools to better understand what's going on, and actionable tools to respond and protect your finances today.

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes. Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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You read the title right! Sayo and her husband accomplished this while living in Nigeria until they relocated to Canada in 2020. I'm so inspired and energized by this episode. What a journey and a testament to what is possible. I'm convinced that there's something for everyone in this episode.

Sayo Tola –Adenaike is a Personal Finance Educator and Global Professional Accountant with
over 15 years of experience. She is a member of the Institute of Chartered Accountants of
Nigeria, the Chartered Institute of Management Accountants UK, and the Chartered Professional
Accountants of Canada. Sayo currently works as the Finance Controller at a faith-based not-for-profit organization, based in Waterloo, Ontario Canada. Follow Sayo on thefinancemum on Instagram.

In this episode, we talk about

Why her family relocated to Canada
How she started investing with her 9-5
How she found ways to grow her income (7x at some point)
Taking advantage of the opportunities where you are
How she brought her friends along on her financial journey
Her journey to FIRE and work optionality
Her why for FIRE
Her return to work and what she wants her kids to know about her journey
How Sayo and her husband partner in their finances

And so much more!

Beyond her professional accomplishments, Sayo is passionate about achieving financial
independence and empowering others to do the same. She is the founder of TheFinanceMum,
a platform where she shares her experience, knowledge, and tools to help people advance on
their journey to financial freedom and ultimately, personal fulfillment. Sayo is an active volunteer in her community, investing time in advancing various causes within her spheres of influence. She is
married to Adetola and they are blessed with 4 children.

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The stock market has been in rollercoaster mode so far in 2022 and who knows what's next? There are certainly a lot of opinions out there but no one has a crystal ball. There's also a lot of jargon being thrown around. My goal with today's episode is to break down the jargon and explain what in the world is going on with the Fed such that someone with the least around of interest has a basic understanding so they can make informed decisions.

In this episode, I talk about:

Who/what is the Fed and why does it exist?
The most influential tool used by the Fed
What is the Federal Funds target rate?
How do banks charge each other interest and how does the federal fund's target rate affects you and I
How does the Fed raising the target rate affect savings accounts?
How does the Fed raising the rate affect our best, and especially homebuyers?
How does the Fed raising rate affect the stock market and immediate investor psychology?

I hope this episode provides you with tools to better understand what's going on, to dig deeper, and most importantly, to make informed decisions.

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes. Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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I promised I would share more travel tips and so I'm back with 12 tips to save you money on travel starting with your very next trip. Travel (even budget) is a luxury but it doesn't have to be out of reach and there are ways to make it happen. Travel has enriched my life and I want to share ways for you to experience it as well

In this episode, I share 12 tips to save money on travel:

Travel to places where your home currency will go further
Travel during shoulder or off-season
Using points and miles to cover some costs
How to save on foreign transaction fees
Getting discounts while abroad
Adding free activities to your itinerary and so on

I don't just share these tips, I share practical examples of how I have used these tips in the past

Resources:
1. Here's the blog post with details on building your travel budget. At the bottom of the post, there's a link to my travel budget template.
2. I also referenced Scotts Cheap Flights for flight deals.

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes. See you in a few weeks!

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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When you're getting your financial house in order, you might wonder how many bank accounts you should have and what types of bank accounts? In this episode, I do not share a magical number, instead I help you c

How having multiple accounts can help you stay on track and organized with your financial goals
Account #1: My operating bank account and my goal for this account
Account #2 My emergency fund to keep me afloat in case of emergencies
Account #3: Sinking Funds and how I save for those using multiple savings accounts
Account #4: My other checking account (for travel and associated to my
The why behind my use of traditional bank accounts and my use of high yield savings account
Explaining why High Yield Savings Accounts (HYSAs) are able to pay more interest
The High 5 Banking Method vs the 4 Bank Account Bucket Method
The importance of building systems and processes around your finances and the bank accounts you have are meant to aid in your goals
Business accounts (savings and checking should be entirely separate from the examples above)

Whatever you decide, the total number of bank accounts that you need is the number of bank accounts that you will use. Need to learn more about sinking funds by reading this blog post. Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes.

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Pivoting into tech is a popular move lately but how are regular people actually doing it? When Dumebi shared that she pivoted into tech and doubled her base salary, I knew I just had to bring her on the podcast to share her experience with you. Dumebi Oti is a Cloud Economist at a Tech Company in the United States.

In this episode, we talk about:

Is the move to Teach as sexy and exclusive as it sounds on Instagram?
What she was doing before and why she decided to make the switch from Finance to Tech?
The key things she did to prepare for the transition (upskilling, applying, networking, boot camps, etc)
For anyone looking to make a similar transition, what pitfalls should they avoid?
What people should look for should they decide to go with a Bootcamp or course
Lessons learned from the interview process and what she would do differently
We talked JustMovedToYankee (JMTY) and what she finds most rewarding.
How her personal experience transitioning into Corporate America inspired her to start JMTY

A little more about Dumebi: after graduating from Babcock University, she moved to the U.S to pursue a Master’s degree in Economics from The University of Texas at Dallas. Upon joining Corporate America, she realized that she and a lot of other African immigrants struggled to integrate into the system due to cultural differences & information gaps. So she created JustMovedToYankee (aka JMTY); a community dedicated to helping African immigrants thrive in the U.S! She’s also the owner of 360SoftPlay, in the Dallas bounce houses and soft play for kids.

Follow Dumebi on Instagram at @doomaybee; @justmovedtoyankeeThank you so much for listening to this episode of The Rich Immigrant podcast. Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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In last week's episodes, I shared that I just returned from a conference in Dubai and Jordan but I didn't go into details. After sitting on some of the life lessons I picked up, I just knew that I had to share. In this episode, we discuss:

Why I decided to go to the conference all the way in Dubai
9 Life lessons I'm taking and running with
1. Power indecisiveness and action
2. There are so many paths to success
3. You cannot advance beyond your mindset
4. Don't allow a challenge to immobilize you
5. Who you become is more important than where you are and what your title is
6. What are you angry about? How will you direct that anger?
7. You can't build a reputation of integrity overnight
8. Building tribes. Well all need them!
9. Paulisms from Paul Polman

There are so many more lessons that I could share but I hope these 9 help you! Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes.

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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It is financial literacy month and this episode was inspired by a listener's question. How timely! The truth is that you may have an advanced degree in the most complex topic and not be financially literate. On the flip side, you may not have a University degree, yet be financially savvy.

But I'll be the first to acknowledge that with all the jargon, acronyms, and so on, it can feel overwhelming, This episode helps you come up with a plan that alleviated the overwhelm, In this episode, I explain

What is financial literacy
3 Key steps to jumpstarting your financial literacy journey. They include
1. Master the basics and learn
2. Know that you can't figure it all out in one day, week, or month. Take your time
3. Make learning continuous even after mastering the basics

You can take things one day at a time and become the badass CFO of your own life!

Talking about financial literacy, I'd like to invite you to an event that helps you do just that. The Mamas Talk Money Summit will help you understand generational wealth, how you can start building it even if you're starting from scratch, and how you can leave a financial legacy that aligns with your values for your kids. 3 days, 5 keynotes, 9 panels, and 3 workshops for $49!

**The event is happening over the weekend of April 8th through 10th and registration is officially open! Tickets are $49, an absolute steal for the knowledge you’ll gain for yourself and your family. Replays will be available.

I** will be on a panel discussing the topic - Breaking Generational Money Cycles. This will be a conversation about how to handle changing a money mindset from childhood (especially when your parents/grandparents hold different views), navigating cultural expectations, and more. This is such a relevant conversation especially for us as immigrants

So, click the link below and grab your ticket now, buy it for the mom or mom-to-be in your life! Then hit reply and let me know you’re going to be there so I can watch for you. With my affiliate link/code, you get $5 off your registration!

Join me at Mamas Talk Money: The Legacy You Leave by grabbing your ticket here!

Or Enter Code : MONEYMAMADEE

You are worth this!

Thank you for listening to this episode of season 5 of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode. Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Season 5 is here and I'm kicking things off with a timely conversation during women's history money. Sally Krawcheck said that nothing bad happens when women have more money, I'll take it one step further and say nothing bad happens when women understand money better and are better positioned to earn, keep, and grow wealth.

In this episode, I share :

The median net worth of Black, Latino, and White women relative to men
Why women need to grow wealth
I dig into three main ways that women can become financially empowered
Financial literacy
Getting a money tribe
Creating a plan and using your voice

More women need the skill set, confidence, and community to control money and I'd like to invite you to an event that helps you do just that. The Mamas Talk Money Summit will help you understand generational wealth, how you can start building it even if you're starting from scratch, and how you can leave a financial legacy that aligns with your values for your kids. 3 days, 5 keynotes, 9 panels, and 3 workshops for $49!

**The event is happening over the weekend of April 8th through 10th and registration is officially open! Tickets are $49, an absolute steal for the knowledge you’ll gain for yourself and your family. Replays will be available.

I** will be on a panel discussing the topic - Breaking Generational Money Cycles. This will be a conversation about how to handle changing a money mindset from childhood (especially when your parents/grandparents hold different views), navigating cultural expectations, and more. This is such a relevant conversation especially for us as immigrants

So, click the link below and grab your ticket now, buy it for the mom or mom-to-be in your life! Then hit reply and let me know you’re going to be there so I can watch for you. With my affiliate link/code, you get $5 off your registration!

Join me at Mamas Talk Money: The Legacy You Leave by grabbing your ticket here!

Or Enter Code : MONEYMAMADEE

You are worth this! Oh and if you register soon, you get a free bonus money conversation card printable set to get you and your kids to talk about money.

Thank you for listening to this episode of season 5 of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode. Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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For many immigrants and children of immigrants, travel is seen as a luxury and isn't often considered. My first time on a plane was to come to the USA (cue Coming To America) just before my 17th birthday. Now, I've been to 57 countries.
In this episode, I share five tips for creating a realistic travel budget:

How going over budget sucks and the reason many travel budgets are not realistic
Considering the number of travelers and whether costs are splot
Identifying all possible cost categories to avoid surprised
Clarifying the vacation style for your trip (budget, mid-range, or luxury)
What to research to create a reasonable budget in each category
How I leave room for flexibility in my travel budget

As I promised, here is the link to the blog post with details on building your travel budget. At the bottom of the post, there's a link to my travel budget template. Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes. See you in a few weeks!

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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I'll be honest, it's no fun seeing everything in the red lately. What does that mean for us as investors? Should we stop investing? In this episode, I share about

What's been going on in the stock market
How far things will drop
History of stock market recoveries
Dollar-cost averaging
Automating Investing
You haven't actually lost if you haven't sold
Diversification
Understanding and staying within your risk tolerance
Any amounts needed in the short term should be kept out of the market

I continue to invest because I have a plan because I have time and I'm investing within my risk tolerance. I'm in it for the long haul and will continue what has worked for me. This is not financial advice, it is for educational purposes only.

Thank you for listening to this episode of season 4 of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode. Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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'Know your worth and add tax' is a common phrase lately. But how do you know how much to negotiate? They say you don't always get what you deserve but you get what you negotiate. Unfortunately too many of us do not negotiate at all. In this episode, I help you negotiate better. I talk about:

Why I decided to do better at negotiating
Starting your research early and websites to help you come up with salary expectations/ranges
How talking to the right people will help you negotiate better
The three people you should talk to while negotiating
Three numbers you should know while negotiating
Who should throw out a number first and why?
Assessing the overall compensation package and not just the base salary

The more you negotiate, the better you get at it.

Thank you for listening to this episode of season 4 of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode. Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Its the new year (Happy New Year) and I'm bringing back this popular episode on creating a financial vision board. In this episode, I talk about:

Why do you need a financial vision board?
Starting with your overall financial/life vision in mind. Who do you want to be?
Breaking the vision into actionable goals
What time horizon should a vision board entail?
Choosing the right format for your vision board
Revisiting your goals/board over the year

Nothing happens unless you have the courage to start by dreaming audacious dreams that scare and inspire you at the same time. But don't just stop at dreaming, it's time to get to work!

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes.

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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This last episode of 2021 is a personal episode where I share my journey to FIRE. Fire stands for Financial Independence Retire Early.
In this episode, I share personal examples and I talk about:

When I first learned about FIRE and my initial impressions
What changed regarding my thoughts on FIRE
My thoughts on whether the Movement is exclusive and whether it promotes an obsession with money
Some non-FIRE things that I've done
What if FIRE is not an option based on the cards life has dealt you?
My plan moving forward

As I invest tomorrow, I want to also invest in my today. Every FIRE journey is different but I have goals to be work optional within the decade. If the FIRE movement is new to you, I hope this episode provided some background information to help you get going. Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes. Merry Christmas, Happy Holidays, and see you next year

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Anya's mantra is 'who cares what Aunty thinks, live your life!' As an immigrant from Trinidad, Anya understands the pressure immigrants feel from their community, the people in their new homes, and even from themselves to build a life that's impressive to others, even though it may be extremely stifling to them.

What a wholesome and honest conversation we had. We talked about so much, from being a first-generation immigrant to paying off debt aggressively, to standing up to societal expectations and building community. We talked about:

Moving to Boston from Trinidad as a teenager
Graduating with $36,000 in student loans and moving across the country to San Francisco
Being the only or one of the only Black women in Tech roles
How the financial knowledge from her family did not apply to her life in the USA
How not having a support system impacted her finances
Building community after relocating to a new city and budgeting for it
Getting laid off and leaving the USA temporarily
Finally making a plan to pay off her debt
How going home helped her financially, emotionally, and mentally
What's different about her now
Why she's building Navigating Culture

With Navigating Culture, and the Navigating Culture podcast, Anya is empowering immigrants and even people from immigrant families to live by the mantra, Who Cares What Aunty Thinks, Live Your Life. Essentially, she is creating a community of immigrants who are Redefining Outdated Ideas Of Success & Living Joyfully On Their Own Terms, Even If Aunty Disapproves.

If this resonates with you, she welcomes you to join her.

Website: www.navigatingculture.co
Social Media: Instagram: @navigatingculture
Podcast: https://www.navigatingculture.co/podcast

Thank you so much for listening to this episode of The Rich Immigrant podcast. Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Whether you're paying off debt, saving for retirement, or saving for a downpayment, losing motivation on your financial journey is actually normal. I've definitely had moments where I've lost the zest I once had. Thankfully, I've been able to bounce back each and every time.

In this episode, I share my personal journey and I also share five ways to stay motivated on your financial journey:

Remember your why. Why are you working towards this goal?
Don't make deprivation a lifestyle. It is not sustainable
Break it down into smaller goals and celebrate milestones
Find Community
Reevaluate your financial goals regularly

Shout out to an amazing community that I found a few years ago, LIVE Richer Dream Catchers by Budgetnista is amazing. To track and celebrate your net worth milestones, click here. Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes.

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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The Great resignation (or the great realignment) is real and people are switching jobs in record numbers. What more? There are a lot of opportunities specifically in the tech space and this means more people are negotiating job offers with equity compensation. The truth is, job offers can be difficult to fully understand. Today's episode helps you understand your compensation package so you can make the best decision and negotiate for yourself!

In this episode, we discuss:

Salary
Benefits such as PTO, Fertility benefits, Parental leave, fitness, health insurance etc.
401k, the match, and vesting
Equity compensation - Employee Stock Purchase Plans
Equity compensation - Restricted Stock Units

We can only negotiate what we understand and this episode was recorded to put you in the driver's seat when it comes to your compensation. Go out there and negotiate better! Share this episode with someone that is thinking of changing roles! Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes.

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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I first 'met' Vivienne a few years ago on Instagram as she shared a love for travel. Since then, I've gotten to know her personally and follow her on her journey. What a GEM!

Vivienne Okafor is a creative content director, brand coach, and storyteller with a mission to build people. She focuses on helping you discover the essence of who you are through your gifts, story and purpose, and guides you to package it for who you’re called to serve. She’s an avid traveler and believes that it is at the intersection of stories and education that the magic happens.

Viv and I continue our conversation about her courageous journey from trying to get into medical school to entrepreneurship. We talk about:

How she mentally and emotionally prepared for a transition to entrepreneurship
How to know when it's time to leave
How she prepared financially for the transition
What she wishes she did better in financially preparing for transition into entrepreneurship
How preparing financially will keep you from operating in anxiety, fear, and desperation
How she's stayed committed by investing in herself and in her growth
Mistakes in investing - investments rooted in lack vs out of a specifically identified need/gap
How she stays grounded in her why
How you can work with her
In her words, what it is to be a rich immigrant

Please listen and share this episode.

Vivienne is working on an exciting workshop that will help people tap into their story, gifts, and purpose before they decide to build anything. Follow Vivienne on Instagram @thevoguide or visit her website at www.thevoguide.com

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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I first 'met' Vivienne a few years ago on Instagram as she shared a love for travel. Since then, I've gotten to know her personally and follow her on her journey. What a GEM!

Vivienne Okafor is a creative content director, brand coach, and storyteller with a mission to build people. She focuses on helping you discover the essence of who you are through your gifts, story and purpose, and guides you to package it for who you’re called to serve. She’s an avid traveler and believes that it is at the intersection of stories and education that the magic happens.

When I think of Vivienne, I see courage in action, I see vulnerability, and I see a woman focused on becoming the best version of herself. Vivienne shares her courageous journey from trying to get into medical school to entrepreneurship. This episode is for anyone in transition, charting a different course, or making an unpopular decision. We talk about:

What she wanted to be when she was growing up
How we sometimes carry dreams that aren't ours as Immigrants and BIPOCs
How it felt when she realized her childhood dream of going to medical school was not going to happen
How she told her parents that she was not going to medical school
How courage comes in the DOING, and not feeling courageous at the time she made the decision to move forward despite the uncertainty ahead
How to know when you're ready for your next move
Making the next pivot from health care consulting to creative entrepreneurship
Going all-in on a decision vs doing a half-ass job

What a conversation we had and this is only part 1. I truly believe this episode will help someone out there break free from expectations and dreams that weren't even theirs, to begin with. Please listen and share this episode. Stay tuned for part 2 of the conversation next week!

Vivienne is working on an exciting workshop that will help people tap into their story, gifts, and purpose before they decide to build anything. Follow Vivienne on Instagram @thevoguide or visit her website at www.thevoguide.com

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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When I first started at my full-time job 12 years ago, benefits enrollment was a foreign language to me. With no one to talk to, I read part of the jargon, make my elections, and kept it moving for SIX years. It would take me that much time to realize that I'd been probably selected the wrong health insurance plan and that I should have selected the HSA. It's that time of the year where employees of companies in the USA are making their benefits elections.

In this episode, I explain key open enrollment reminders. I talk about
1. Some key terms that relate to health insurance
2. Understanding the plan options available to you and then assess what plans(s) are best for you
3. Comparing your company's options to the options provided by your partner's employer
4. Understanding what has changed in your Company's benefits and policies.
5. Assessing any changes in your life or in your life goals that warrant a change in your benefit enrollment elections for the year.

Your benefits are part of your overall package and you should make sure they're working for you. Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes.

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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How much money is enough? This is a loaded question so let's talk about it. This podcast was initially inspired by the recent phenomenon of being doubly employed and conversations with friends on the topic.

In this episode, I share personal examples and I talk about:
1. How much is enough when I don't compare myself to other people or chase the next sexy round number
2. How much is enough in an emergency fund?
2. How much is enough to quit your job?
3. How much is enough to retire early?
4. How much is enough to live a rich life now?

This episode shares tips for you to consider as you try to determine how much is enough for you in this regard. What is enough for one person will differ from the next person. Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes.

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Season 4 is coming back starting in three days! I'm super excited and I hope you are too! Catch up with me on Instagram, on the blog, and on the last 3 seasons of the podcast!

Season 4 is here, the first episode drops on Wednesday!

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes. Here are the best ways to stay connected:

Join our community of Rich Immigrants and friends here
Visit the blog at www.therichimmigrant.com or
Get all the snippets and daily banter on Instagram at 'Therichimmigrant.'

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Many people know that they should be saving for retirement but it is often difficult to delay more immediate needs. Further, too many of us believe that investing is for the rich. This could not be further from the truth and I wish someone broke this down for me earlier. Investing is for EVERYONE.

In this episode, I share some tips on how to start investing with as little as $50 - $100 a month. I talk about:
1. It all starts with a good budget. A good budget empowers you to tell your money where to go. Read this post to learn how to create a budget that works.
2. Investing enough to get your employer match on your retirement savings/investments
3. What to do if you don't have an employer retirement plan
4. Prioritizing taking advantage of tax-deferred accounts first
5. Taking advantage of government perks like the Savers credit in the USA and the Lifetime ISA in the UK

When it comes to investing, procrastination is costly! Start today, with what you have and as your income grows, increase your contributions. Your 60-year-old self will be so proud of you.
Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes.

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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The media just LOVES to glorify the perfect immigrant, but the truth is, while those grass to grace stories are great, there should be room for all immigrants to thrive. Thrive without having to live up to the accomplishments of the 'ideal immigrant.'

In this episode, I share my perspective on the pressure to be a perfect immigrant, one that has it all together. I talk about:
1. I share and contrast two different immigrant profiles and how they'd be perceived
2. The societal pressure to be the perfect immigrant
3. Pressure from families to make the sacrifices of our parents 'worth it.'
4. The need to put on our own masks first as immigrants and children of immigrants
4. Our responsibility for the next generation of immigrants

This is a topic near and dear to my heart and there's so much to unpack here. For anyone navigating some of the things I talked about in this episode, know that I see you and I see all the work you're doing-especially the internal work.

I mentioned these two resources are some of my favorites:

Brown Girl Therapy
Progressive Migrants

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes.

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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As with anything new, we're all bound to make mistakes on our investing journey. I know I sure have! I have an entire episode dedicated to sharing my money mistakes. In this episode, I'm sharing 7 common investing mistakes and how to avoid them.

Not investing at all
Waiting for the right time to invest/trying to time the market
Putting money in an investment account but not actually investing
Incurring high expenses
Panic selling
Jumping into risky business
Going in without a plan to start with

As always, I hope this episode meets you where you are. Over here at The Rich Immigrant, we are rooting for you at all stages of your investing journey.

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes.

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Tune in for a 100% real mid-year update/conversation where I share (unscripted) on the year so far. In this episode, I talk about:

My crypto losses
What's going on in the housing market and whether I'm still in the market for a home
How my portfolio is doing and hitting the first $100k net worth
What's happening in the car market. Should I sell my car in the used car market?
My money regret from last year - not buying a used car for resale
Two sets of people that can win right now by selling a car or home
Sharing lessons from a recent reunion and a special announcement

Since I recorded this episode over the weekend, the news about the Delta variant has caused a bit of a rollercoaster in the markets. Hang tight!

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes. Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.' See you next week!

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Rashidat (Shida) and I picked up from where we left off in part 1 of our conversation.

Rashidat is a 1st generation immigrant and the founder of Investing Padi, an online community that aims to educate immigrants, minorities, and women about the value of investing in the stock market.

Her community started after discovering that many people just like her miss out on low barrier to entry investment opportunities offered in the stock market. Rashidat is dedicated to empowering her community by educating them about the basics of investing, overcoming limiting beliefs and fears associated with investing, and showing them that they can start investing with little, which can go a long way in the future.

Rashidat has a B.Sc in Physics and M. Eng in Energy Systems Engineering. In addition, she has a background in operations, engineering, and consulting. She loves to chat with her community about different ways of building sustainable wealth.

In this concluding part, we talk about:

What she'd say to someone that is brand new in the investing journey and overwhelmed by all the noise and information
An exercise for newbie investors looking to invest in individual stocks
Expanding your circle and consumption of financial information
Enjoying the now (YOLO) vs Investing
Her why for investing
The beauty of being a beginner and her FREE e-book on investing
Saving for retirement vs investing for kids
In her words, what it means to be a rich immigrant

Keep up with Shida on Instagram @investingpadi where she shares financial gems all the time!
Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes.

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant where I share bite-sized financial information.

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Rashidat (Shida) is saving and investing for her future Rich Auntie self! I don't know about you but that resonates with me so much! This is yet another conversation I wish I had when I first started working, saving, and investing as an immigrant without parents to show me the way. Please listen and share this episode.

Rashidat is a 1st generation immigrant and the founder of Investing Padi, an online community that aims to educate immigrants, minorities, and women about the value of investing in the stock market.

Her community started after discovering that many people just like her miss out on low barrier to entry investment opportunities offered in the stock market. Rashidat is dedicated to empowering her community by educating them about the basics of investing, overcoming limiting beliefs and fears associated with investing, and showing them that they can start investing with little, which can go a long way in the future.

Rashidat has a B.Sc in Physics and M. Eng in Energy Systems Engineering. In addition, she has a background in operations, engineering, and consulting. She loves to chat with her community about different ways of building sustainable wealth.

Keep up with Shida on Instagram @investingpadi where she shares financial gems all the time!

In this first part, we talk about:

Why investing is important for us as immigrants and why she decided to do something about it
What she learned from her dad and the importance of putting your money to work for you
The ease of investing in the stock market
Buying her first stock in 2018 with $25 and how that first stock has grown today
How she started investing with her 401k only after a conversation with a work friend
Why she is investing today
Her money mistake with her HSA and how she's bounced back from that mistake
The beauty of the financial literacy journey

With the newbie investor in mind, Shida has written a FREE e-book to help you get started with investing in individual stocks. Stay tuned for part 2 of the conversation on Sunday!

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There are more ways to invest in real estate than many realize. On this last day of National Homeownership Month, I'm sharing five different ways to invest in real estate.

Here are five ways to invest in real estate (even with little money):

Investing in REITs (you can start with less than $50)
Real Estate Crowdfunding platform
House Hacking
Buying Investment Property
BRRRR method

Bonus: Looking into options 4 and 5 but don't have the funds? I share a way to do so.

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes.

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant where I share bite-sized financial information.

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Over memorial day weekend, I talked with my friend, Suzanne, about her real estate investing journey. This is the second in a two-part series. In the first part (episode 25), we talked about buying her first property in New York as an immigrant woman, how she assesses an investment property and the biggest resource for newbie real estate investors.

Suzanne Brume is a management consultant (an executive at that), an avid fitness enthusiast, a real estate investor, and an investor in many other engines. She lives in New York City but has spent a lot of her time exploring the world. She believes in utilizing the tools we have to build financial independence, and also educating women and black people to be able to do the same. Keep up with Suzanne on Instagram and Twitter @ eightsnweights where she shares fitness routines every Monday! The lady rocks a six-pack all year, yall!

In the concluding part of our conversation, we pick up right where we left off and we talk about:

Getting cash to start out in real estate investing and how options available to reduce that initial capital burden
House hacking: What it is and how it works
The realities of self-managing your investment property
Best time to transition/outsource to hiring a property manager
Cost of getting a management company and alternatives to reduce those costs
How she picks real estate markets to invest in
What her ideal real estate portfolio looks like

We wrap up the conversation with Suzanne's definition of what it means to be a rich immigrant and her parting words for immigrants like you and me.

Please listen and share this episode. Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Buying your first property as an immigrant can be tough, but Suzanne has not only done so, but she has also expanded her real estate portfolio. I sat down with my friend and colleague and she shared the inside scoop on her journey (you will not see this anywhere else).

Suzanne Brume is a management consultant (an executive at that), an avid fitness enthusiast, real estate investor, and an investor in many other engines. She lives in New York City but has spent a lot of her time exploring the world. She believes in utilizing the tools we have to build financial independence, and also educating women and black people to be able to do the same. Keep up with Suzanne on Instagram @ eightsnweights where she shares fitness routines every Monday! The lady rocks a six-pack all year, yall!

In this first part, we talk about:

How she got into real estate in her 20s
Why she bought her first property in one of the most expensive markets in the world
Buying property as a non-us Citizen or permanent resident (she was on a visa at the time)
How she assesses an investment property vs home to live in
Things to look out for when buying an investment property
1 resource or community that she would recommend for newbie real estate investors (shoutout to the Bigger Pockets community)
Numbers to run when evaluating a property

It is a conversation I wish I had when I first started working, saving, and investing. Please listen and share this episode. Stay tuned for part 2 of the conversation next week!

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Who's ready for a hot girl/hot guy summer? How about a rich immigrant summer? I love the great summer energy and the good positive vibes. But I've got a confession; I don't know about you but summers are the toughest season on my budget so I'm refreshing my budget accordingly.

What better time to refresh your finances than the summer? Let this be your summer finances refresh! Here are 5 ways to refresh your finances this summer:

Refresh your money mindset
2.Refresh your financial goals
Refresh your money habits
Refresh your budget and know your numbers
Refresh your money conversations

Blog Post20 Financial Goals:Budgeting 101:

Here's to a beautiful and memorable summer, one that does not leave us broke! Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes.

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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I don't know about you but I love graduations and I'm a sucker for a good graduation speech. Something about that transition from being a student to adulthood (such a scan btw) always has me in my feelings about the journey culminating in those moments where we don our caps and gowns. Celebrating the accomplishment and looking ahead with great hope for the future.

When Nina reached out to ask that I share things that I'd tell my younger self, I had to do it! I could have gone on and on but I wanted to keep it around 20 minutes (way longer than a typical graduation speech). Here are 8 things I wish I knew as a brand new graduate:

You are not behind on life, not now, not ever
Focus on relationships always but know that they will evolve
Normalize therapy and asking for help
It's time to get down and dirty with your finances
Cultivate the habit of giving back
Decide who you are or the world will define you
No one has done this before, we are all winging it
Always do your best work

Bonus: Find your voice and use it, but don't wait to feel courageous. Move even in uncertainty.

This episode is for the new graduate, the not-so-new graduate, or for the person in a season of transitions. I hope this episode meets you where you are. Over here at The Rich Immigrant, we are rooting for you in all seasons!

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes.

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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It is summer, we are getting vaccinated in the USA, we are feeling hopeful again. What better time to visit the topic of living our best rich lives than now? We have been reminded to live life to the fullest, to make each moment count, to hug our loved ones. Here are 4 key steps to living your best rich life right now?

Define what a rich life looks like for you
Write down that list
Audit your habits and behaviors
DO - Do the things that are in line with the person you are becoming.

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on itunes.

Want to attend my free Investing webinar? Join my webinar at 6 pm CST on May 27th, 2021, and let's demystify investing! Register here.

Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Season 3 is coming back starting next week! I'm super excited and I hope you are too! Catch up with me on Instagram, on the blog, and on the last 2 seasons of the podcast!

Season 3 is here, the first episode drops next week!

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes. Here are the best ways to stay connected:

Join our community of Rich Immigrants and friends here
Visit the blog at www.therichimmigrant.com or
Get all the snippets and daily banter on Instagram at 'Therichimmigrant.'

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In this last/bonus episode of Season 2 of the podcast, I talk with my friend, Korm Aguh-Stuckmayer about starting a business as immigrants. This episode was inspired by a listened question sent in about a month ago.

Korma did out start out looking to be an entrepreneur. Today, she works as a business analyst 9-5 and runs Afrocontigbo 24/7. In this episode, Korma and I talk about:

How she recognized a problem and created the community she needed
What can come from moving in fear
Blocks/lack of information that holds immigrant entrepreneurs back
Power of consistency and the journey from 2014 to date
What it means to be a Rich Immigrant in her own words

Korma Aguh-Stuckmayer CEO of ‘Afrocontigbo’ dance company is a Nigeria born artist who grew up enjoying dancing and entertaining others. Korma believes that in exercising the mind and body through movements and rhythm a person is complete. She is active in her community, sharing her culture and using her gifts and talents to inspire future generations. She currently offers online interactive Afro dance classes. Check out this Vimeo feature on Korma Afrocontigbo. Keep up with Korma on Instagram at afrocontigbo.

What questions do you have on starting a new business? What questions do you have for future entrepreneurs on the podcast?

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on Itunes. Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.' For business or other inquiries, please reach out at helloATtherichimmigrant.com

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We're almost at the end of Season 2 of the Rich Immigrant Podcast! In this episode, I'm answering 6 questions that you asked me. Nothing was off the table. I'll do another episode like this perhaps later in the year where we just sit and chat and I answer your questions. In this episode, I answer your questions about:

My journey from student visa to my current status in the USA
Starting a side hustle/business as an immigrant
How to build long term professional relationships
Where to start as an investor
How I juggle my career and passions
Would I relocate to another country? If you would, where to next?

I also share about a bonus episode that's coming next week! Listen to the podcast to know what the bonus episode is all about!

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on Itunes. Here are the best ways to stay connected:

Join our community of Rich Immigrants and friends here
Visit the blog at www.therichimmigrant.com or
Get all the snippets and daily banter on Instagram at 'Therichimmigrant.'

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Moving abroad is a big deal! Many times we do it for better opportunities, for education, for our careers, for love, for our children, or for a different life experience. Sometimes being financially prepared is an afterthought in the migration journey, but it shouldn't be. In this episode, I share 7 things to do to prepare your finances as you move abroad. These include:

Having a timeline
Saving for the move (how much should you save)
Taking care of your finances/investments in your home country
Looking into your taxes
Knowing your work options once you move, and so much more.

Moving abroad has been a life-changing experience for me, and I'm a better person for it. The truth is, I have also had some tough seasons. Now, I'm committed to sharing my lessons and our collective stories to make your experience so much better.

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on Itunes To read my blog post on what to expect when you move abroad, read it here. Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Too many of us start off on the wrong foot when it comes to building our credit. Whatever your credit is today, know that you can take steps towards a better credit score. In this episode, I share 5 ways to improve your credit score today:

Payment history
Credit utilization
Keeping your oldest credit cards
Using a secured credit card
Having a mix of credit types (mortgage, loans, car loans, mortgage types)
Being added as an authorized user on another card (Bonus)

My ultimate goal is to be in a position where I don't need credit. But until then, here's to improving but not obsessing over credit scores.

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on Itunes Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Better late than never, this episode is my most personal one to date. I sit and ponder on 2020 from a few different angles and I wanted to share it with you. I hope you'll grab a cup of coffee/tea or a glass of wine and let's chat. In this episode, I cover:

How I went into 2020
One goal I had at the beginning of 2020 that I shared with two people
How things changed quickly and how The Rich Immigrant was born
Responding to social justice issues and using my seat at every table
How my finances did in a year with no raises
My hopes for you, for this platform in 2021 and some of my 2021 financial goals

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on Itunes. Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.' For business or other inquiries, please reach out at helloATtherichimmigrant.com

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It's the first episode of 2021 and it is the day after the US just gained its first female, first black, first asian, Vice President. Madam VP Kamala Harris. I did not plan to record the episode on this historic day but I'm so glad it worked out this way. A Rich Immigrant is in THE White House!!!

Asides from that, I am coming clean on this episode. In keeping with the theme of Money & Relationships, this episode delves into my relationship with money specifically focusing on some of the mistakes I've made. In this episode I talk about:

Celebrating the milestone from 1/20 and welcoming new listeners
My first memory of a money mistake as young Dee
My first credit card
Getting out of debt and thinking I knew it all, WRONG
3 Things to guide money conversations with friends
My failed attempt at investing
Overspending on travel

Have you made some of these money mistakes? Can you relate?

PS: Happy New Year!

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on Itunes. Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.' For business or other inquiries, please reach out at helloATtherichimmigrant.com

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We form different friendships in different phases of our lives. From childhood to high school, to college, through our kids, careers and so much more. A great friendship is a beautiful thing to create, build, and nurture over time. Friendships are some of the most profound relationships of our lives by choice. When it comes to finances, our friendships should also propel us forward.

In keeping with the theme of Money & Relationships, this episode delves into Money and Friendships. In this episode I talk about:

How life, time, and chance happens with friendship
Navigating having different financial values from friends
The friendship wealth gap - what it is and how to handle it
Lending money to friends
3 Things to guide money conversations with friends

Who is in your closest circle? Are they also a part of your money tribe?

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on Itunes. Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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In continuing with this season's theme around money and relationships, we're tackling the discussion around lending to family. Many experts say not to mix money and family, but is this practical for most? Especially for immigrant families? Probably not. I share examples for times where I've borrowed from family and I also shared an experience where I had to turn down a family members' request for a loan

In this episode, I cover 5 Things To Consider In Making Your Decision:
1. Know your family and the specific family member in question
2. Save Yourself first
3. Don't lend more than you can lose
4. Ask questions, but when you say yes, don't attempt to control
5. Have the conversation.

Knowing that some situations may go awry, I wrap up this episode with tips on what to do if a family member does not pay a loan back, and what to do if you've never been asked for a loan.

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on Itunes Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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We are continuing with part 2 of the conversation with Korma & Jonny, picking up on the day they made the last payment on a total of $75k in debt. We talk about:

How they celebrated paying off their debt
Losing their job 3 months later due to the COVID-19 Pandemic
The comparison trap that we fall into all too often
Celebrating Milestones on the journey
Communication as a couple and the impact of their different backgrounds on their money mindset
Secret accounts, do they have those?
7. What's next now that they've paid off their debt

To wrap it up, I ask Korma to define a Rich Immigrant in her own words, you'll want to listen to what she has to say.

Massive thanks to Korma and Jonny for this rich and real conversation! KEEP UP WITH Korma on Instagram at 'afrocontigbo'

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode. Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Today on the podcasts my very first guests are Korma and Jonny Stuckmayer. They paid off $75k in debt while paying for a wedding and dealing with Korma being unemployed for about half of that journey. They paid off the debt in just under two years!

In this first half of the conversation with them, we talk about:
1. The Aha moment of when they decided to attack their debt
2. How both partners came on board (one person came onboard first)
3. How they navigated being in one income for a while
4. Who they shared the journey with
5. How they stayed motivated to pay off the debt.

KEEP UP WITH Korma:
- On Instagram at 'afrocontigbo'

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode. Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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There's a good chance you've heard of a vision board but what about financial vision boards? There's no better time than now to create the financial vision for your life and then identify goals to help you attain that vision.

This episode will walk you through:
1. What a financial vision board is
2. Why you need a financial vision board
3. How to create a vision board
4. How to track your progress

I hope you dream big and I hope your visions blow you away.

Thank you for listening to this first episode of season 2 of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode. Stay connected with the podcast and join our community online at www.therichimmigrant.com or on Instagram at 'Therichimmigrant.'

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Welcome to Season 2 of the Rich Immigrant Podcast! We are back with a bang and with a plan to continue to equip 1st and 2nd generation immigrants to thrive.

I’m Dee Olateru, and I’m still your host! The podcast returns next week with an episode everyone needs to listen to right now. Beyond episode 1, this season will cover topics around relationships and money, and yes, I have a couple of inspiring interviews that are primed for you and me this season.

In the meantime, don’t forget to catch up on all ten episodes of Season 1, follow along on Instagram at therichimmigrant, and on our website at www.therichimmigrant.com

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If you could define an ideal wealthy life, what would that look like? Do you know why you're building wealth? It is the season finale of Season 1 of the Rich Immigrant podcast. We did it! In this episode, we go back to our why and I ask you to define what a rich/wealthy life means for you.

In this episode I break down:
1. Why it is important to build wealth
2. What being wealthy and having a rich life truly encompasses
3. Being wealthy is having solid life-giving relationships
4. Being wealthy is having the freedom to direct your time
5. Having wealth that has an impact beyond oneself.

What are your motivations for building wealth? Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode. Stay connected with the podcast and join our community on Instagram at 'Therichimmigrant.'

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You want to pay off your debt but you don't know where to start? This episode is just for you. In this episode, I share a bit about my debt payoff journey as I share tips to help you come up with a debt payoff plan that works, and that is perfectly suited to you.

In this episode I break down:
1. The very first step you need to take - committing to paying off your debt
2. Writing down everything you owe and organizing your debt
3. Avalanche or Snowball? Which one is it?
4. Allocating what you can to debt payoff and sticking to the plan
5. Ways to put more towards your debt
6. Sabotaging yourself in the process: don't do it
7. Staying accountable, tracking progress, and celebrating milestones

Friend, you're well on your way to being debt-free! Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode. Stay connected with the podcast and join our community on Instagram at 'Therichimmigrant.'

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We spend so much of our lives at work. We certainly can't have a conversation about living full lives without talking about how we show up at work.

In this episode, I break down 5 ways we must show up at work as immigrants

Show up with your accent
Your work doesn't have a voice, you do. Use it
Have the courage to ask for what you want
You already stand out, don't shrink back
Know when to leave

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode. Stay connected with the podcast and join our community on Instagram at 'Therichimmigrant.'

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You've checked, you're ready to invest! Congratulations! This episode is just for you. It is the follow up to Season 1 Episode 4: "Are you ready to invest?" Take the next step into investing (don't just keep the money in a savings account), but first, listen to this episode.

In this episode I break down:
1. Paying yourself first
2. When to start investing
3. What to invest in first?
4. Learn the basics of investing through different media (I share foundational books to consider)
5. Get into investing and consider all options (401k, IRA, stocks, index fund, REIT, ETFs)
6. The investment advice I received before I bought my first stock in 2018 (i.e investing outside of my retirement investments.

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode. Stay connected with the podcast and join our community on Instagram at 'Therichimmigrant.'

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I want to live my best life, but I don't want to be 60 and broke, can you relate? This dilemma is the story of my life as a travel blogger and finance podcaster. Can you do both? Listen in and let's talk about the struggle to enjoy life and work towards financial independence. Hint: it can be done!

In this episode I break down:
1. A formula to do both (YOLO + Living BYM - Below Your Means)
2. Identify the things that are important to you
3. Avoiding lifestyle inflation/creep as your income rises
4. Acknowledge that there are seasons. Seasons to YOLO and seasons to save heavily
5. Use sinking funds to put money aside to YOLO guilt-free

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode. Stay connected with the podcast and join our community on Instagram at 'Therichimmigrant.'

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We need to normalize talking about money by talking about our mistakes, financial wins, investing, salaries, goals, pricing strategies and so much more. As immigrants, women, and people of color, it is so important that we do this!

In this episode I break down:
1. Why people hesitate to talk about money
2. Personal examples of my journey with money conversations
3. Why we need to have better conversations about Money
4. People to avoid while having money conversations

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode. Stay connected with the podcast and join our community on Instagram at 'Therichimmigrant.'

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Investing is not for everyone but it can be for ANYONE! Yes, even you. In reality, investing is not only for the rich or for those that understand financial jargon but I didn't always know this fact. The term investing is more intimidating than it is in reality and this episode provides you with the tools to build a healthy foundation as an investor. Are you looking for how to start investing? There are some things to take care of first.

In this episode I break down:
1. Six questions to answer to determine if you're ready to invest
2. Personal examples of how investing has worked for me
3. How to determine your investment risk tolerance level
3. My role as a lazy investor

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode. Stay connected with the podcast and join our community on Instagram at 'Therichimmigrant.'

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2020 is a call to get our coins (finances) in order. What if I told you that this can be a season of massive growth for you? Understandably, it can also be a confusing, scary, and nerve-wracking time for many of us. This episode contains all the financial recommendations you need to consider and put in place right now!

In this episode I break down:
1. One thing EVERYONE should be doing right now
2. What to do if you've lost your job/income source has dried up
3. What to do if you're still employed but are dealing with uncertainty
4. What to do if you're secure in your job/income source

We talk about emergency funds, and at the very end, I share an unconventional financial recommendation.

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode. Stay connected with the podcast and join our community on Instagram at 'Therichimmigrant.'

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COVID-19 may just be the disruptor of our generation! While no one is left unscathed, immigrants are impacted in some unique ways and we talk about that in this episode.

Listen to this episode of The Rich Immigrant for:

A few ways that immigrants are impacted by COVID-19 (both financially and otherwise)
Steps to take to support immigrants during this season
Ideas for immigrants dealing with certain struggles and
A shout out to immigrant essential workers

Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode. Stay connected with the podcast and join our community on Instagram at 'Therichimmigrant.'

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The right money mindset is a foundation for financial independence and so I'm kicking off this podcast by taking care of this first. This podcast will challenge you and how you think about money. Many times we unconsciously inherit mindsets based on our parents' habits, our background, and our personal experiences. Things don't have to remain that way, we don't have to repeat any negative habits from our parents or guidance, we can be the generation that changes things.

In this episode of The Rich Immigrant, you will learn:

What a money mindset is
How we develop our money mindset
A scarcity vs abundance mindset
Steps to take to shift your money mindset

Thank you for listening to the very first episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode. Stay connected with the podcast and community on Instagram at 'Therichimmigrant.'

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Ready to live your best life as a 1st or 2nd generation immigrant? Then this is the podcast for you!
Welcome to the Rich Immigrant Podcast. Host Dee Olateru discusses topic relevant to immigrants all over the world as a 3-time immigrant herself.

We'll have several money conversations, but we'll also talk about everything else in-between as it relates to life as an immigrant.

Grab a cuppa, and get excited about what's to come in this space. Connect with us on Instagram @TheRichImmigrant and don't forget to hit the subscribe button

The Rich Immigrant: Recent Episodes

Dee Olateru

1 resource or community that she would recommend for newbie real estate investors (shoutout to the Bigger Pockets community)