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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.

    1. Living Below Your Means (& Investing Early and Often)
    2. Having and honouring your financial boundaries
    3. Becoming Financially Literate/Aware
    4. Avoiding Lifestyle Creep When You Become A High Earner
    5. 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 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 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 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 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 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 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:

    1. How credit scores work in the US and UK
    2. The three credit bureaus and reporting agencies
    3. What a good credit score is
    4. Why credit scores matter
    5. 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 farWhy my friends visiting had me in my feelingsMy 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

    1. One thing I'm most proud of in 2023
    2. What I'm looking forward to in 2024
    3. My biggest financial lesson of 2023
    4. I'm terrible at tracking my spending in different categories, What works for you?
    5. The financial impact of friendships
    6. Ex-husband owes $5,000, should I let it go or go to small claims court
    7. 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.'

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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:

    1. Set Boundaries with yourself and pour into yourself
    2. Set boundaries at work this season
    3. Set boundaries with your family
    4. Set financial boundaries NOW
    5. Schedule time with your chosen family
    6. 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 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 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:

    1. Stats around side hustles according to a recent survey and McKinsey report
    2. My parents and their side hustles
    3. My side hustle history as a student
    4. When a side hustle may be a good idea
    5. When a side hustle might not be a good idea
    6. Landing somewhere in the middle
    7. Do I Plan to side hustle now?
    8. 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:

    1. My move from Minneapolis USA to Tokyo, Japan a week ago
    2. Why Japan
    3. 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
    5. How this move feels different from other moves and ways moving abroad will humble you
    6. What this move means for my house
    7. How I've prepared for this move (financially, emotionally)
    8. My hope for this next chapter
    9. 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 mortgageFour ways to pay down a mortgage faster than scheduledPitfalls to avoid when paying down a mortgage faster than scheduledAllocating the extra payment to principalAsking about any prepayment penaltiesLooking 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 momentGraduating from her MBA with student loans and how she started her path to paying them offHow and why she decided to pay off debt and still invest at the same timeWhat a money circle is and her first experience getting into a money circleMoney circle vs forums Important traits for a successful money circleWhen to put a legal framework in place before investing with friendsHow 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 responsibilityWhat 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 friendshipHow 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.'