{"id":1278,"date":"2026-01-05T08:16:59","date_gmt":"2026-01-05T08:16:59","guid":{"rendered":"https:\/\/kensmartips.com\/finance\/?p=1278"},"modified":"2026-01-05T08:16:59","modified_gmt":"2026-01-05T08:16:59","slug":"no-savings-no-investments-heres-exactly-what-id-do-to-start-over-clever-girl-finance","status":"publish","type":"post","link":"https:\/\/kensmartips.com\/finance\/?p=1278","title":{"rendered":"No Savings. No Investments. Here&#8217;s Exactly What I&#8217;d Do to Start Over!  | Clever Girl Finance"},"content":{"rendered":"<p><iframe loading=\"lazy\" width=\"480\" height=\"270\" src=\"\/\/www.youtube.com\/embed\/-uAOI6yJgm4\" frameborder=\"0\" allowfullscreen><\/iframe><\/p>\n<p>What would I do if I had to start over, with $0 in savings, no investments, and no financial cushion? In this video, I\u2019m walking you through the exact money plan I\u2019d follow to rebuild my finances from scratch. Whether you\u2019re starting over after a setback or just beginning your financial journey, this step-by-step plan will help you move from survival mode to stability\u2014and then to success.<\/p>\n<p>\ud83d\udc4b\ud83c\udffe I\u2019m Bola Sokunbi, founder of Clever Girl Finance, bestselling author of the Clever Girl Finance book series, Choosing To Prosper, and My Wealth Plan Workbook. <\/p>\n<p>What you\u2019ll learn in this video:<br \/>\n&#8211; How to assess your real financial starting point<br \/>\n&#8211; How to cut expenses and survive on the bare essentials<br \/>\n&#8211; Creative ways to generate fast cash flow<br \/>\n&#8211; How to build a starter emergency fund (even on a low income)<br \/>\n&#8211; A simple budget formula that actually works<br \/>\n&#8211; Choosing the best debt payoff method for your situation<br \/>\n&#8211; The importance of rest and celebrating small wins<br \/>\nAND MORE<\/p>\n<p>\ud83d\udca1 This is a realistic, actionable plan for anyone rebuilding from $0.<br \/>\nStart where you are. Use what you have. And take the next right step.<\/p>\n<p>\ud83d\udc47 What\u2019s the first step you\u2019re taking this month to rebuild your finances? Let me know in the comments!<\/p>\n<p>#startingfromzero #financialreset #howtobuildwealth #budgetingtips #clevergirlfinance #personalfinanceforwomen #howtobudget #payoffdebt #investingforbeginners #financialfreedomjourney<\/p>\n<p>\u2764 Subscribe to the weekly Clever Girl Finance Newsletter for financial motivation: https:\/\/clevergirlfinance.com\/subscribe<\/p>\n<p>\u2764 Get the best-selling Clever Girl Finance Books: https:\/\/clevergirlfinance.com\/books<\/p>\n<p>\u2764 Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: https:\/\/clevergirlfinance.com\/course-packages<\/p>\n<p>\u2764 Schedule a 1-on-1 coaching call with team CGF: https:\/\/www.clevergirlfinance.com\/coaching<\/p>\n<p>\u2764 Read the Clever Girl Finance Blog: https:\/\/clevergirlfinance.com\/blog<\/p>\n<p>\u2764 Follow us on Instagram: http:\/\/instagram.com\/clevergirlfinance<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What would I do if I had to start over, with $0 in savings, no investments, and no financial cushion? 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