The Rich Immigrant

Send us Fan MailThe podcast is back after an unplanned one month hiatus. In this episode, I answer a listener question about Health Savings Account (HSA). In episode 136, I shared that I learned about the HSA from my colleagues but It took me 9 years to fully get on board. But, I don't want my listeners to make the same mistake. So, we talk about1. What a health savings account is2. How it works and what the triple tax advantage is3.  Who the HSA might be best suited for (it depends)4. Common mistakes or pitfalls with HSA5. How the HSA is actually used to build wealth6. My personal HSA journeyI love getting and answering your questions. Please keep them coming ya'll!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.'

Send us Fan MailIn this episode of the podcast, my guest and I have a much needed conversation on how to teach kids about money. In this episode, Amina and I Talk about:Her background and her aha moment with moneyWhen she started thinking about teaching her kids about moneyAge appropriate money lessons for kidsWhat NOT to say to kids about moneyRaising sons in today's societyPartnership in ParentingIt is such a rich conversation and I recommend it for all parents, and aspiring parents. Amina Odukoya works as a product manager in the finance industry, and before that spent several years in frontline roles across retail, small business, and corporate banking. She's also a mum to two boys.Her interests sit  at the intersection of money, identity, and access, especially supporting first generation immigrants in the UK to understand money and financial systems in a way that actually makes sense, without jargon or shame. She also cares deeply about mentorship and helping people have an easier and less isolating career journey than many of us experienced.Outside of work and parenting, she enjoyd dancing, travelling, cycling, writing poetry, crafting, and finding joy in ordinary, everyday life.Follow Amina on instagram at  @amina.o, and she also shares money related reflections at @moneymondayswithamina. Give her a follow or join her accountability group to build community and wealth!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.'

Send us Fan MailWelcome to season 14 of the podcast and in this episode, I'm talking about how money conversations changed the course of my financial journey. My journey began at a time it wasnt cool to talk about money, so I dug my heels in and paid off my debt in silence. Then I had conversationsWith a colleague whose parents bought her a home in cashAnother colleague who lived at home and started maxing out retirement accounts right awayAnother colleague who introduced me to the Health Savings AccountYet another colleague on brokerage accounts and investing for early retirementWith my friend on angel investing. The podcast today and moreThese conversations all left me with something, they opened my eyes to possibilities and ultimately led to action on my end. I'm an advocate for healthy money conversations and I hope this encourages you to have more money conversations in your circle and beyond! Put your people on!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.'

Send us Fan MailIf you've ever set goals in January that felt inspiring, and by March you were tired, behind, or quietly ashamed, then this episode is for you. In this episode, we are talking about a better way to set goals for 2026, one that actually fits your life. Instead of chasing goals that look impressive, we focus on goals that are supported by capacity, systems, and real life constraints, especially for immigrants navigating career, money, family obligations, and life abroad. You'll learn:- Why most goals fail even when motivation is high- How to filter goals through your capacity and non-negotiables-The difference between outcomes and actions (and why actions matter more)- Accountability rhythms that make goals stick2026 doesnt need a new version of you. It needs a better supported version of you. Listen now, and set goals that actually stick!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.'

Send us Fan MailAs we move toward the end of the year, it's tempting to rush into new goals. But before 2026 can be successful, it needs to be sustainable. In this episode, we slow down and focus on foundations - capacity, boundaries, trade-offs, and systems. These things allow high-achiveing, globally minded people to move forward with clarity and peace. In this episode, we talk about:Closing 2025 honestlyDefining your real capacityDeciding what you're NOT optimisingBuilding systems that actually support your lifeWinning in 2026 isn't about hustling harder,. It is about sustainable rhythms, and clarity. This isn't about becoming someone new, it is about becoming more honest and intentional with the life you already have. Watch out for Part II 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.'

Send us Fan MailIn this episode, we are diving into the unspoken rules that keep friendships intact when celebrations cross border, budgets, and big life moments. Whether  youare hosting an international milestone, or deciding whether to attend one, this episode will help you navigate expectations with honesty, grace, and clarity. I share my perspective as a personal finance enthusiast, an immigrant, someone who lives far from the people I love, someone who has traveled for celebrations, and soneone who recently hosted my own international celebration.We'll cover everything from why an invite is NOT an obligation, to how to communicate early, what hosts should and shouldnt cover, gift expectation, tips on splitting costs, and so much more.This episode is full of practical heartfelt advice and I hope you listen and share it. It just might save a friendship.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.'

Send us Fan MailJoin me as I take a trip down memory lane to my 20s. The decade that adulting hit me! I share the biggest financial lessons (some I only learned after my 20s) so you don't have to learn them the hard way.From taking calculated risks, fixing your relationship with money, to learning that looking rich is not the same thing as being rich - this episode is packed with insights to help you build a solid financial foundation. Whether you're in your 20s or you know someone who is, these lessons will help you grow wealth, confident, and financial freedom. 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.'

Send us Fan MailWe are back!!!! I turned 40 in September and handed over my mic to my sister friend, Kemi Onabanjo.  We skipped our annual podcast conversation last year but we made up for it with this conversation. This one's just like you're hanging out with us as we converse. There's a lot of banter, laughter, honesty, and depth. It's not us if we aren't reflecting on lessons!!We touch on so much in this episode and I hope this episode meets you where you are. All I want for my birthday episode is that you share this podcast with someone in your world that you think needs this episode or any other episode.Thank you for listening, and happy birthday to me!!!!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.'

Send us Fan MailIn the very last episode of this season of the podcast, I answer listener questions and they cover the following1. My thoughts on an mlm2. If I would date or marry a man who made significantly less than I do3. Would I get a prenup? How to broach the conversation with a potential partner4. Paying down a mortgage faster or investing for children. Which would pay off better>5. 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.'

Send us Fan MailBecoming 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 beginsHow to balance dreams for your child with financial realitiesThe biggest money mindset shirt new parents needNon-negotiable financial steps before having a babyNavigating roles in relationships as parentsHow to save for your child's futurw without neglecting your ownThe cultural and emotional pressures parents face around moneyWhether 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.'

Send us Fan MailDo 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 forwardWhether 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.'

Send us Fan MailI'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 momentHow her finances changed since becoming a single momThe type of support she has relied on during her journeySome of the sacrifices she's made, including moving back home, giving up some vacations while focusing on her financesHow she paid off her debt while not being on a high incomeWhat she's teaching Coco about money, delayed gratification, and gratitudeMyths and assumptions people make about single momsHow she got comfortable talking about money with her familyHow she became a Clever Girl Finance mentor to other womenWhat financial security means to herHow we can better support single moms/parents in our communitiesThe most financially empowering move she has made as a single momBerry 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.'

Send us Fan MailThis 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.'

Send us Fan MailThis 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 downIngredients 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 budgetingWe talk about the key ingredients of your budgetCooking - the actual budgeting and the steps involvedThe preparationSimmering - no rushingTasting and tweaking to perfectiondeveloping your own unique formulaI 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.'

Send us Fan MailWhat 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 hearHow she became financially aware relatively earlyHow she started saving and investing while in UniversityHow she realized that owning real estate was a possibility for her as an immigrant and the importance of seeing what is possibleWhy she bought the kind of property she ended up with and in the location she choseRealizing something needed to change and facing that truth especially as a high achieving high performerQuitting her 6-figure tech job and how she is funding her year-long breakHow the sabbatical/career break is goingWhat she has learned from the journey so farA message for anyone wondering if this is even remotely a possibility for themIts 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 sessionsFollow Tobi on Instagram at Tobi.Derin or on her YouTube Channel @Tobi.DerinThank 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.'

Send us Fan MailThe 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 aboutLife lately - high, a low, and a lesson so far this yearMoney update - wins, where I'm lagging behind, and current strugglesI answer a listener question about paying for financial coaches and investing classes etcI 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 outPreview what is to come on the podcast this seasonHappy 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.'

Send us Fan MailIn 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 journeyMy Journey to $100k and how long it actually took and the hiccups I had on the journeyHow much shorter it took to get from $100k to $200kWhat can be done to accelerate the journeyNormalizing the fact that things take timeA 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.'

Send us Fan MailIn 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.'

Send us Fan MailI 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 goMapping out how much will go into each bucket every monthSet up the first level with your employerThen set up the rest of the savings and investing automation by linking your accounts and setting up the automated paymentsSet up automating your fixed paymentsDo 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.'

Send us Fan MailI'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 conversationHow that conversation set the tone for their relationshipRed flags when a potential mate refuses to talk about money consistentlyHow their financial conversations have evolved over time - reading books, not making money the elephant in the room, education, having a systen in place, reviewing togetherHow they got on the same page financially and the importanve of honestyThe importanve of being open to renegotiating terms initially agreed toHow they set a budget for their Lake Como weddingHow they established boundaried leading up to the wedding3 key principles they established that continue to serve them today one year into their marriageWhile 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.'

Send us Fan MailThere 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:1. A public or listed company2. Stocks and Shares3. Fractional Shares4. Why Companies Sell Stock5. Stock Market6. Mutual Funds7. Exchange Traded Funds (ETFs)8. Index FundsIn 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.'

Send us Fan MailYou'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 isHow a pay day routine is similae to being inentional with our diwts and exercideWhy you should have a pay day routineWhat every pay day routine should consist ofMy 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.'

Send us Fan MailFor 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 togetherThe first steps they took on the journeyThe 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 singlesToday, 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 hereThank 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.'

Send us Fan MailThis 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 immigrantsDeciding on a Black Tax budget and setting aside an Black tax emergency fundDeciding on what your exceptions are before handDefining you other boundaries (i.e. a minimum number of days for a notice period etc)Your role in enabling financial dependenceSavior complex and survivor's guiltThinking Long termLet 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.'

Send us Fan MailIn 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 hearWhat hustle culture mean to herThe initial work she did in order to even consider such a choiceHow she landed her dream job at AmazonThe importance of marrying someone you're aligned and in sync withThe reality and pressures of working in a fast paced environmentThe moment she realized that something had to changeWhat it cost (financially) to walk away from her dream jobHow long it took from the decision to her last dayHow high demanding jobs can impact how you show up in other aspects of your lifeHow the loss of her dad and brother shifted her perspectiveThe financial choices she made earlier on that made this an option at allWhat her life is like now, on the other side of the leapA message for anyone wondering if this is even a possibility for thenIts 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 : wellnessxmaeThank 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.'

Send us Fan MailHappy 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 differenceInvest earlyUse credit cards wisely. Know yourselfIndex funds are far better than mutual funds and often outperform individual stock picksMaximize your tax deferred/Tax free accountsLearn the difference between a need and a wantMarry the right person (don't marry the wrong person)Pay yourself firstIf you dont understand it, don't invest in it10. Put on  your life vest first - hello immigrants, we NEED thisUnderrated Financial Resources1. Personal Finance Reddit - Check it out here 2. Dreamcatchers by Budgetnista on Facebook might be the community you need. Check it out here - Bring Your Money Dilemmas To A Safe SpaceYou 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.'

Send us Fan Mail19 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:1. What I spent on in 20242. What I'm not buying in 20253. What I'm spending on in 20254. Some key personal lessons looking back on the year5. Getting Promoted In Corporate America6. Being a CPA and making Partner7. Renting out my home8. My goal with the blog and podcast9. 401ks and Roth IRAs for International students10. My Thoughts on wives being breadwinners in their homesThank 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.'

Send us Fan MailWe 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 discussExplain what a 401k is and then the difference between traditional and Roth 401kExamples of scenarios where one option may be better for you compared to the otherSome truths that remain whether you pick traditional or Roth 401kThank 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.'

Send us Fan MailA 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.'

Send us Fan MailWell, 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.'

Send us Fan MailHere 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.'

Send us Fan Mail 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:1. What TIME in the market has done2. What consistency has done3. What has stayed the same and what has changed over time4. Where lifestyle creep has crept inThank 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.'

Send us Fan MailThe 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:1. When I opened my first high yield savings account 17 years ago2. What a high yield savings account is and why these accounts are able to pay higher interest3. What to look out for when deciding on a high yield savings account4. Some of the top rated HYSAs in the USA5. How I use my high yield savings accounts for different savings goalsPlease 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.'

Send us Fan MailWorking 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 JapanSocializing at workA funny story that still makes me chuckle todayAdjusting to a new team and team cultureWork life balanceHow to indentify opportunities like this for someone interestedThank 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.'

Send us Fan MailAnd 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 DaysA particularly low moment in the early daysSome practices in the early daysA God-moment in the first monthWhat surprised me about JapanWhat I like and dont likeA Great question on life in transit - in betweenBuilding Community so farDealing with language, culture shock, language barrier, and social acceptanceCost of living/food etcOne thing Ive struggled with and an event that upset meMartin 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.'

Send us Fan MailFriendships 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.'

Send us Fan MailNot 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 outThank 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.'

Send us Fan MailEarly 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. 1. Living Below Your Means (& Investing Early and Often)2. Having and honouring your financial boundaries3. Becoming Financially Literate/Aware4. Avoiding Lifestyle Creep When You Become A High Earner5. Building Wealth and Making Money Conversations The Norm With Your KidsNow, 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.'

Send us Fan MailWhat 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 politicsRemaining your authentic self while navigating office politics The importance of being politically aware/intelligentA reminder that your work alone does not have a voice but you doSome rules of engagement when navigating office politicsThe importance of reframing how we think about office politicsUnderstand when the right move is to leaveIf 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.'

Send us Fan MailHey 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.'

Send us Fan MailThe 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 discuss1. Being creative in doing things that build your spirit2. Taking advantage of the digital world and easier ways to make a living3. Honouring the process4. Truly looking at all your options beyond your current location5. Pray about it6. Move with convictionIf 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.'

Send us Fan MailFriendship 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 existSix tips to navigate friendshps with wide income and wealth gaps as the friend that makes more includingDealing with assumption that people kay have about your financial situationBeing thoughtful about the activities you suggestKnowing your friends and acting accordinglyTalking  about money - with tactBeing generations without expecatipns or controlDon't shrinkPart 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.'

Send us Fan MailFriendship 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 lessResults from a recent study by credit KarmaSix tips to navigate friendshps with wide income and wealth gaps as the friend that makes less includingHonoring your own budget and financial boundariesAccepting generousity but not feeling entitled to itWhat to do about your feelingsA reminder that your net worth is not your self worthRe-evaluating the friendshipWhat signals might lie underneath the tensionA reminder about agency and my hope for anyone  navigating this situationPart 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.'

Send us Fan MailLast 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:1. How credit scores work in the US and UK2. The three credit bureaus and reporting agencies3. What a good credit score is4. Why credit scores matter5. Ten ways to improve your credit score starting todayI 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.'

Send us Fan MailWe'reee baccckkkk! In this warm up/return to the podcast after a longer than anticipated break, ICatch you up on my year so farWhy my friends visiting had me in my feelingsMy thoughts on loud budgeting and the changes in real estate commissions in the USLet'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.'

Send us Fan MailIts 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 on1. One thing I'm most proud of in 20232. What I'm looking forward to in 20243. My biggest financial lesson of 20234. I'm terrible at tracking my spending in different categories, What works for you?5. The financial impact of friendships6. Ex-husband owes $5,000, should I let it go or go to small claims court7. What to do about Christmas gifts when paying debt and saving?8. 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?10. 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.'

Send us Fan MailHot 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.'

Send us Fan MailThe 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:1. Set Boundaries with yourself and pour into yourself2. Set boundaries at work this season3. Set boundaries with your family4. Set financial boundaries NOW5. Schedule time with your chosen family6. Embrace the Joy of Missing OutHave 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.'

Send us Fan MailIn this episode, I use a recent hilarious real life experience to analogize how lifestyle creep can happen. In this episode I talk aboutHow I recently adjusted to a new level of convenience without knowing itWhat lifestyle creep/inflation isHow I avoided lifestyle creep early on in my career but also honestly shared how I have allowed for some conveniences since thenI share about the different extremes we can turn to as our incomes increaseFour ways to keep lifestyle creep/inflation in checkI 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 findThey 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.'

Send us Fan MailYou'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:1. Stats around side hustles according to a recent survey and McKinsey report2. My parents and their side hustles3. My side hustle history as a student4. When a side hustle may be a good idea5. When a side hustle might not be a good idea6. Landing somewhere in the middle7. Do I Plan to side hustle now?8. Toxicity of the side hustle cultureThank 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.'