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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

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