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

New Book – Clever Girl Millionaire; A Guide to Redefining What’s Possible, Turning Ambitions into Actions, and Dreams into Millions – Available to order now

In this episode of the Clever Girls Know Podcast listener interview series, I’m sitting down with one of you—our community—to talk about what it really looks like to start from scratch and stay consistent.

I’m interviewing Nancy Ceus-Decoteau, an aspiring educator and entrepreneur who began her financial journey during the pandemic in 2020. What started with discovering Clever Girl Finance and using free worksheets turned into a complete mindset shift around money.

Since then, Nancy has launched her own childcare business, is working toward her bachelor’s degree to become a teacher, and is actively building a foundation for long-term financial freedom. Her story is a reminder that wealth-building doesn’t start with perfection—it starts with a decision to do better, one step at a time.

What Nancy Discussed

• How she started her financial journey during the pandemic in 2020
• Feeling unprepared with money and deciding to take budgeting seriously
• Discovering Clever Girl Finance and using free worksheets to organize her finances
• Building her first budget and creating a clear financial plan
• Gaining confidence through learning, reading, and applying financial concepts
• Starting her childcare business and stepping into entrepreneurship
• Developing discipline and responsibility with money as a business owner
• Navigating challenges with saving and staying consistent
• Balancing school, business, and financial goals at the same time
• Staying committed to long-term financial freedom despite setbacks
• Defining what financial freedom looks like for her future
• Advice for others who are just beginning their financial journey

How to Keep Up With Nancy

• Follow on Instagram: @nancy_poo92
• Follow her business journey: @nurturedbynd

More Clever Girl Finance Resources:

👋 New to Clever Girl Finance? Start here: https://clevergirlfinance.com/start-here

❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books ❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages

❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog

❤ Follow us on Instagram: @clevergirlfinance