Dee Olateru - Podcast Details

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The Rich Immigrant93: 2023 Year End Q&A (Career, Money, Reflections and More)Send us a textIts 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...2023-12-2350 min

The Rich Immigrant92: Reacting to Six Personal Finance Hot TakesSend us a textHot 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! Tha...2023-11-2725 min

The Rich Immigrant91: 5 Boundaries You Need This Holiday SeasonSend us a textThe 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. Se...2023-11-1827 min

The Rich Immigrant90: The Ease of Lifestyle Inflation And How To Avoid ItSend us a textIn 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...2023-11-0825 min

The Rich Immigrant89: Do You Need A Side HustleSend us a textYou'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 h...2023-10-2429 min

The Rich Immigrant88: My Experience Opening a 529 College Savings Account & What You Need To KnowSend us a textWe 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 accountWhy this account versus other investment vehiclesWhy I opened it without having a kidHow im able to open an account pre-kidWhat Happens IF I Make more than one kid?How I actually opened the accountHow much do you n...2023-10-0724 min

The Rich Immigrant87: Birthday Episode - Lessons from the past year.Send us a textIts 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. P...2023-09-2025 min

The Rich Immigrant86: Big News - I Moved To Tokyo JapanSend us a textYou 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 ago2. Why Japan3. What the move means for this platform4. How I'm feeling from when it came up, to leading up to the move, to 5 days in Tokyo5. How this move feels different from other moves and ways moving abroad will humble you6. What this move m...2023-09-0637 min

The Rich Immigrant85: How To Pay Off Your Mortgage FasterSend us a textI'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 d...2023-09-0128 min

The Rich Immigrant84: Investing With Friends w/ Kemi Onabanjo-JosephSend us a textI'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...2023-08-231h 29

The Rich Immigrant83: Reflecting On The Biggest Promotion Of My Career & Answering Your QuestionsSend us a textThe podcast is back with Season 8!! I'm kicking off this season by reflecting on some amazing news! I got the biggest promotion of my career, effective July 1, I was admitted into the Partnership at the firm I work for. I've had some time to reflect and also took over 20 questions from you. In this episode, I talk about: My reaction to the promotionWhether I always wanted to be a partner from day 1My best career strategies that helped me get to where I amStaying in one place vs job hopping (m...2023-08-161h 05

The Rich Immigrant82: Mid Year Recap and Q&ASend us a textWe have finally come to the end of the longest season. Even as I look back on the last six months of my life, what a rollercoaster it has been! In this final episode of this season, we talk aboutMy half-year recap and I answer 6 listener questions onHow I got my first promotion at WorkNavigating professional and career growth abroadPaying off student loans vs maxing out retirementHow long is too long before a promotion or new companyWhen to buy a houseTips for someone starting their personal finance journey in...2023-06-1838 min

The Rich Immigrant81: The Growing Costs Of Being a BridesmaidSend us a textWhat does it cost to be a bridesmaid in 2023? The financial cost of being a bridesmaid is regional, cultural, and situation-specific. However, we can all agree that things seem to have gotten a bit out of hand in recent times. It is a great honour to be asked to stand next to a close friend or family member on one of the most important days of their lives, but it can also get expensive. I love a beautiful wedding but not one that put people in debt. In this week's episode o...2023-06-0627 min

The Rich Immigrant80: Why I'm Changing My Mind On Life Insurance As A Single PringleSend us a textIt's very obvious that life insurance should be a part of financial plans for those that have dependent children, and spouses, but what about singles? Up till now, I've either said no to life insurance or at lest, I have been on the fence. In this week's episode of the podcast, I talk about why I'm changing my mind about life insurance including:1. Life insurance that I do have through work2. Recent events that have caused me to reconsider my stance on life insurance3. Why I think I'l...2023-05-2420 min

The Rich Immigrant79: Reflections on How To Get Rich NetflixSend us a textIf you follow me on Instagram, you know that I have thoughts on this Netflix series by Ramit Sethi. Sethi is somewhat of a household name in the personal finance space and I've read his book and frequently shared his podcasts on the gram. In this episode though, I share my reflections on the Netflix series. I talk about1. Themes from the show2. Diversity of the cast3. How they kept things interesting so maybe the most interesting money series I've seen in a while4. What I love the mo...2023-05-1818 min

The Rich Immigrant78: The Best Of The Rich Immigrant PodcastSend us a textIn honor of April being Financial Literacy Month, I wanted to share some of the best episodes of the podcast over the last (almost) 3 years. Let's break it down into 4 categories of podcast episodes that are helping immigrant build their financial literacy but also live fully at home and abroad:Most Popular Episodes (Listener Faves)1. Building Adult Friendships - Episode 59 with Kemi Onabanjo Joseph2. What's Your Money Mindset - Season 1 Ep 13. 20 Years An Immigrant - The Highs & Lows - Episode 584. How Sayo Became Work Optional A...2023-04-2724 min

The Rich Immigrant77: How To Calculate How Much You Need For RetirementSend us a textEveryone tells you that you need to save and invest for retirement, but what does that mean in concrete numbers? How much do you need to save/invest over time to be on track to retire without being a 'burden' to the next generation? In this episode, I talk about:1. 2 different ways to calculate how much you need to save/invest for retirement2. Method 1 is replacing a percentage of your income at retirement. See this retirement calculator3. Method 2 is working towards a specific investment goal based on your calculation...2023-04-0526 min

The Rich Immigrant76: Money in my 20s vs 30s: Looking Back & Looking AheadSend us a textWhen my friend suggested that I talk about this on the podcast, I said, why not? In this episode of the podcast, I talk about the state of my finances during the following phases of my lifeMy early 20s - super brokeIn my mid 20s - got a full-time job, started to pay off debt, Felt behind, and isolated financiallyIn my late 20s - debt free, budget traveler, saw the impact of not having a willIn my early thirties - moved to another country, took a pay cutMy mid-30s...2023-03-3028 min

The Rich Immigrant75: Confession - How Procrastinating Cost Me MoneySend us a textProcrastinating can be expensive and I certainly experienced that last year. In this episode, I'm sharing 5 ways that my procrastination ended up costing me money in 2022. 1. Last-minute eye exam and glasses order2. Last-minute flight bookings3. Signing up for city-subsidized parking at work4. Corporate credit card expenses5. Canceling services timelyAs you can see, all of these were avoidable, yet here we are. I'm human and I'll still make money mistakes from time to time. Now that it's out in the world, I want to normalize...2023-03-2417 min

The Rich Immigrant74: The Silicon Valley Bank Break Down You NeedSend us a textWelcome back to the podcast! There's been so much going on so I had to address this head-on, and in doing so, break things down. There's been a lot of sensational headlines, and even misinformation so I decided to share a bit for informational and educational purposes. This is NOT financial advice. In this episode, I talk about:1. Silicon Valley Bank's background2. How Bank's make money3. What went wrong for SVB (Silicon Valley Bank)4. How SVB's collapse affect depositors, shareholders, and other investors5. Whether the government is...2023-03-1729 min

The Rich Immigrant73: How Black Tax Affects Immigrants & What We Can Do About itSend us a textIf you know an immigrant, there's there's a good chance you know someone that pay Black Tax every month. Is Black tax a blessing or a burden? Let's talk! In honor of Black History Month, let's talk Black Tax and Immigrant/BIPOC community.The origins of Black TaxBlack Tax in my family growing up and how it was the normWhen does gratitude turn into guilt and an inability to say no even at our own expense?Why we don't talk about Black TaxHow Black Tax affects our ability to build w...2023-02-1527 min

The Rich Immigrant72: 5 Lessons From Buying My First HomeSend us a textI've been wanting to share this for a while now and I'm glad to finally be sharing this. Purchasing your home is a big deal, purchasing your first home as a single person and without family is a bigger deal. In this episode, I talk about 5 lessons I learned from purchasing my first home. 1. 20% Downpayment may not work for everyone2. Understand the eligibility rules of any home buyer programs you look into3. You get what you negotiate. Negotiate everything!4. I love my home but I still don't like o...2023-02-0224 min

The Rich Immigrant71: 7 Things To Do Differently With Your Finances This YearSend us a textHappy new yearrrr. As you'll hear in the energy in this episode, I'm excited to be back with Season 7 of the podcast. In this episode, I talk about 7 things we need to do differently with our finances this year. 1. Addressing the convenience of online shopping because online shopping has proven to be a budget killer2. Being intentional about where you put your money based on your goals.3. Budgeting and sticking to it4. Diversifying your income stream5. Earning some interest on your savings because why not?6. Budgeting f...2023-01-2520 min

The Rich Immigrant70: 2022 Recap & Special AnnouncementSend us a textIn this bonus episode, join me as I sit down as I reflect on 2022. and share an exciting announcement. In this episode, I 1. Thank You the listener for being along for the ride2. Share about how this year has been equal parts wonderful and heavy! Many high highs and low lows3. Share about how I'm winding down the year and spending the holidays4. Share about my finances for 2022 overall5. Share about the wealth building clinic and financial vision board session that Shida and I are hosting on S...2022-12-2123 min

The Rich Immigrant69: Important Conversations To Have With Your Parents NowSend us a textIn time for the holiday season, this episode discusses a timely reminder for important conversations to have with your parents as you gather around the table or even a facetime call. In this episode, I discussHaving picture conversations about what retirement will look likeEstate planning discussionsQuestions to ask your parents about where they plan to live in retirementUnderstanding their financial situationUnderstanding the emotional support your parents needUnderstanding your parents' wishes, Clarifying responsibilities and expectationsPersonal examples from my lifeMoney & aging are topics people try to avoid but they ar...2022-12-0119 min

The Rich Immigrant68: Retirement Investing 101Send us a textLet's break down retirement investing as simply as I possibly can. In this episode, I talk about:The burden of being the sandwich generation and the norm for kids to provide for their aging parents in certain culturesWhy it is important to invest for retirement and why investing for retirement is generational wealthTypes of accounts to use to invest for retirementWhy investing through an employer first may be a good ideaRetirement investing alternatives without employer match (IRA, ISA, TFSA)Explaining what a brokerage isRoth IRA vs Traditional IRAPrioritising investing for...2022-11-2327 min

The Rich Immigrant67: How Ayooluwa Paid Down $45k in Debt In A Year Working With Door DashSend us a textAyooluwa really paid off $45k of student loan debt in one year and it took an incredible amount of focus and sacrifice. I'm excited to bring you our conversation this week. In this episode, we talk about: How and why she moved to the United States in 2016How she took a leap of faith after a fully funded scholarship by the Nigerian government did not materialize at the last minuteHow she funded her Master's Degree with a combination of savings, scholarships, and a loanHow she got a co-signer for her loan as an...2022-11-1637 min

The Rich Immigrant66: 5 Things You Should Know In November 2022Send us a textLet chit chat this episode while I share 5 things you should know about in November 20221. The Fed has raised interest rates again. What does this mean and what did the Fed say to expect?2. The twitter saga with Elon Musk. #drama #MrErratic3. Tech job freezes and downsizing announcements4. IRS announced limits for 401ks, IRAs, and HSAs for 2023. Let's talk about it5. Powerball lottery is at $1.9billion. What would you do if you won a huge sum of money? Let's talk about the man that won $30 million in...2022-11-0915 min

Unconditionally Worthy PodcastEP 60: Don’t Confuse Your Net Worth With Your Self-Worth with Dee OlateruIn this episode of The Unconditionally Worthy Podcast, I welcome Dee Olateru, a speaker, podcaster, CPA, and Founder of The Rich Immigrant, an online financial literacy platform and community built to empower 1st and 2nd generation immigrants to attain financial independence, lead full lives, and live authentically. Listen in to learn how to break up with hustle culture, separate your self-worth from your net worth, and live a richer life.IN THIS EPISODE, WE TALK ABOUT…Dee’s self-worth journey: Facing her inner critic & Always returning to her worthiness.Unique experiences and challenges immigrants have...2022-11-0849 min

The Rich Immigrant65: How To Make The Best Choices During Open EnrollmentSend us a textWhen I first started at my full-time job 13 years ago, benefits enrollment and open enrollemt were foreign languages to me. With no one to talk to, I read part of the jargon, made my elections, and kept it moving for SIX years. It would take me that much time to realize that I'd been selecting the wrong health insurance plan . It's that time of the year when employees of companies in the USA are making their benefits elections.In this episode, I explain key open enrollment reminders. I talk about1. S...2022-11-0219 min

The Rich Immigrant64: How To Best Position Yourself &Your Finances In A RecessionSend us a textOG Listeners will recall we had this recession conversation in June (Episode 54 of the podcast). However, since thenCentral banks have continued to struggle to control the flow of money and the Federal Reserve has raised interest rates 5 different times this year (so far)Inflation reports for September show inflation at 8.2%. Thats still high!Gas prices have fallen a bit but they're still high and OPEN is decreasing oil production starting in November 2022.I share all this to say that there is still volatility and the signs of a...2022-10-2622 min

The Rich Immigrant63: How Alex Attained Financial Independence At Age 30 By Investing In The Stock MarketSend us a textAlex Mason is a passionate investor and curator of the best stock market ideas. Since 2018, he has been the host of Stock Stories, a podcast and now, YouTube channel, helping investors decode the business behind the stock. He is studying every component of the S&P 500, and sharing everything he learns. After graduating from MIT and starting work as an aerospace engineer, he realized there was much more to money than just working hard and trading time for it. After discovering investing in his early 20s, he and his wife eventually bui...2022-10-1959 min

The Rich Immigrant62: 10 Signs You're Ready For A New Job/CareerSend us a textUnless you've been living under a rock, you've seen some pretty wild statistics about the Great Resignation and people leaving their jobs. How do you know that you are ready for a new job or career? Let's talk about it. In this episode, I talk about:1. 10 signs that it is time to look elsewhere2. If you've decided that it might be time to leave, Remember thatIt's okay not to be clear on the exact next steps but start with what you don't want and follow your curiousityYou should b...2022-10-1524 min

The Rich Immigrant61: Should You Rent or Buy A Home (Busting Myths)Send us a textWe're back!!!!! In this week's episode, we are taking on the rent vs buy debacle. In this episode, I talk about:1. How my dad asked me when Id buy a home as soon as I got a full-time job2. Building wealth while renting vs buying3. Are you throwing away money by renting?4. Breaking down the make-up of mortgage payments and what portion is actually building wealth5. Why just comparing rent to mortgage is actually an apples to oranges comparison6. Pros and cons of renting7. Pros a...2022-10-0519 min

The Rich Immigrant60: The Fine Line Between Being Cheap vs Being FrugalSend us a textThis week's episode is inspired by conversations and observations that I have made lately. No one likes to be called cheap, but there's a fine line between being cheap and being frugal so let's talk about it. In this episode, I talk about:1. What it means to be cheap or miserly2. Examples of cheap behaviors3. What I am NOT referring 4. What it means to be frugal5. Examples of frugal behavior6. Where the fine line between being cheap vs frugality gets crossed7. 4 Questions to find out if...2022-09-2118 min

The Rich Immigrant59. On Building Adult Friendships & How We MetSend us a textFriendships & community have been a recurring theme on my mind this year. How can we live rich lives without rich relationships? In this episode, I have a long-awaited conversation with one of my besties, Kemi Onabanjo - Joseph. In this episode, you'll hear a lot of laughter, reflection, and wisdom, as we take you on a journey. We talk about: How we met (how a seemingly insignificant IG moment birthed something bigger than us)What is something Kemi is learning this season?How we have stayed connected over time despite living on di...2022-09-071h 02

The Rich Immigrant58. 20 Years An Immigrant - The Journey & LessonsSend us a textThis past weekend made 20 years since I stepped on American soil as a wide-eyed, sheltered 16-year-old eager to take on the world on her own for the first time and in a new country. I couldn't think of a better way to kick off Season 6 of the podcast. In my most personal episode yet, I'm doing my best to compress 20 years into 30 minutes. In this episode I talk about and share lessons from the following segments of my journey:1. Getting through University and my career progression so far2. F...2022-08-3130 min

The Rich ImmigrantBig Personal Updates & Q&ASend us a textIt's the season finale of Season 5 and in my usual fashion, I'm wrapping up the season with some personal updates and answering 3 listener/community questions. In this episode, I share about:1. My big update - I'm buying my first homeI share why I changed my mind about buying a homeMy honest thoughts on buying a home right now includingCurrent interest ratesHome PricesWhat I'm most proud of right now2. What's going on in my portfolio year to date3. Listener Q&A - I answer these three questions from listeners...2022-06-2330 min

The Rich ImmigrantWhat Do You Need To Know About iBonds?Send us a textA few weeks ago, I posted about iBonds on Instagram, and not only was there a lot of interest but I also learned that many people didn't know about them. Since Instagram is only snippets, I wanted to record this podcast episode to get into iBonds a little bit more. As always, the goal is to share the knowledge so that you can make the right decision for you/your family. In this episode, I answer the following questions:What is a bond and what is an iBond?Where have iBonds been...2022-06-1518 min

The Rich ImmigrantHow To Invest For Your Kids (Without Going Broke)Send us a textThis topic is near to my heart, and yours I presume! As immigrants and BIPOC, especially, we know all about Black Tax but we want to lessen the burden for the next generation. In this week's episode, we talk about how to invest for your kids even if you don't have kids yet. We cover:Take care of yourself first (financially)What you teach and model is more important than how much you pass onMaking investing and financial literacy part of everyday conversations (age-appropriate, of course)Open a 529 college savings account (or...2022-06-0826 min

The Rich ImmigrantHow To Prepare Your Finances For A RecessionSend us a textWe need to continue the conversation around what is happening in the market so that each person can respond accordingly based on his/her financial situation. We saw a dip in economic activity in the first quarter, and there have been talks of bear markets, but what should we know at this time?In this episode, I talk about:1. What is a recession?2. Who declares recessions in the United States3. The best time to prepare for a recession3. 8 Tips for handling your finances in the face...2022-06-0119 min

The Rich ImmigrantHow Sayo Became Work Optional At Age 33Send us a textYou read the title right! Sayo and her husband accomplished this while living in Nigeria until they relocated to Canada in 2020. I'm so inspired and energized by this episode. What a journey and a testament to what is possible. I'm convinced that there's something for everyone in this episode. Sayo Tola –Adenaike is a Personal Finance Educator and Global Professional Accountant withover 15 years of experience. She is a member of the Institute of Chartered Accountants ofNigeria, the Chartered Institute of Management Accountants UK, and the Chartered Professional 2022-05-2554 min

The Rich Immigrant52: What's Going On With The Fed and Interest Rates In Plain English?Send us a textThe stock market has been in rollercoaster mode so far in 2022 and who knows what's next? There are certainly a lot of opinions out there but no one has a crystal ball. There's also a lot of jargon being thrown around. My goal with today's episode is to break down the jargon and explain what in the world is going on with the Fed such that someone with the least around of interest has a basic understanding so they can make informed decisions.In this episode, I talk about:1...2022-05-1124 min

The Rich Immigrant51: 12 Ways To Save Money On TravelSend us a textI promised I would share more travel tips and so I'm back with 12 tips to save you money on travel starting with your very next trip. Travel (even budget) is a luxury but it doesn't have to be out of reach and there are ways to make it happen. Travel has enriched my life and I want to share ways for you to experience it as wellIn this episode, I share 12 tips to save money on travel:1. Travel to places where your home currency will go further2...2022-05-0421 min

The Rich Immigrant50: Types of Bank Accounts You Should Have, And How ManySend us a textWhen you're getting your financial house in order, you might wonder how many bank accounts you should have and what types of bank accounts? In this episode, I do not share a magical number, instead I help you cHow having multiple accounts can help you stay on track and organized with your financial goalsAccount #1: My operating bank account and my goal for this accountAccount #2 My emergency fund to keep me afloat in case of emergenciesAccount #3: Sinking Funds and how I save for those using multiple savings accountsAccount #4: My other checking account...2022-04-2719 min

The Rich Immigrant49: How Dumebi Pivoted Into Tech and Doubled Her Base SalarySend us a textPivoting into tech is a popular move lately but how are regular people actually doing it? When Dumebi shared that she pivoted into tech and doubled her base salary, I knew I just had to bring her on the podcast to share her experience with you. Dumebi Oti is a Cloud Economist at a Tech Company in the United States. In this episode, we talk about:Is the move to Teach as sexy and exclusive as it sounds on Instagram?What she was doing before and why she decided to m...2022-04-2041 min

The Rich Immigrant48: 9 Life Lessons I Picked Up From TIWLC (and I'm running with!)Send us a textIn last week's episodes, I shared that I just returned from a conference in Dubai and Jordan but I didn't go into details. After sitting on some of the life lessons I picked up, I just knew that I had to share. In this episode, we discuss:Why I decided to go to the conference all the way in Dubai9 Life lessons I'm taking and running withPower indecisiveness and actionThere are so many paths to successYou cannot advance beyond your mindsetDon't allow a challenge to immobilize youWho you become is more important...2022-04-1522 min

The Rich Immigrant47: How To Jumpstart Your Financial Literacy JourneySend us a textIt is financial literacy month and this episode was inspired by a listener's question. How timely! The truth is that you may have an advanced degree in the most complex topic and not be financially literate. On the flip side, you may not have a University degree, yet be financially savvy. But I'll be the first to acknowledge that with all the jargon, acronyms, and so on, it can feel overwhelming, This episode helps you come up with a plan that alleviated the overwhelm, In this episode, I explain What is...2022-04-0719 min

The Rich Immigrant46. How Women Can Become More Financially EmpoweredSend us a textSeason 5 is here and I'm kicking things off with a timely conversation during women's history money. Sally Krawcheck said that nothing bad happens when women have more money, I'll take it one step further and say nothing bad happens when women understand money better and are better positioned to earn, keep, and grow wealth. In this episode, I share :1. The median net worth of Black, Latino, and White women relative to men2. Why women need to grow wealth3. I dig into three main ways that women can be...2022-03-2417 min

FiatVault PodcastEpisode 04: How To Build Wealth With A 9-5 Job with Dee OlateruEarning an income with a 9-5 job is tasking as it is, so is it possible to become wealthy as a salary earner? Dee Olateru, global professional and creator of @therichimmigrant podcast and community shares tips that have helped her build wealth in her career. If you're an immigrant living in Canada, UK or America and looking for tips to building wealth, you should watch this and share your thoughts or questions in the comment section. Thank you! FiatVault is a podcast brought to you by FiatMatch, a soon-to-be-launched International Money Transfer and Paymen...2022-02-1137 min

The Rich Immigrant45. How To Create A Realistic Travel BudgetSend us a textFor many immigrants and children of immigrants, travel is seen as a luxury and isn't often considered. My first time on a plane was to come to the USA (cue Coming To America) just before my 17th birthday. Now, I've been to 57 countries. In this episode, I share five tips for creating a realistic travel budget:1. How going over budget sucks and the reason many travel budgets are not realistic2. Considering the number of travelers and whether costs are splot3. Identifying all possible cost categories to avoid surprised 2022-02-1016 min

The Rich Immigrant44: The Market is Nuts, Should I Still Invest Right Now?Send us a textI'll be honest, it's no fun seeing everything in the red lately. What does that mean for us as investors? Should we stop investing? In this episode, I share about1. What's been going on in the stock market2. How far things will drop3. History of stock market recoveries4. Dollar-cost averaging5. Automating Investing6. You haven't actually lost if you haven't sold7. Diversification8. Understanding and staying within your risk tolerance9. Any amounts needed in the short term should be kept out of the market 2022-01-2618 min

The Rich Immigrant43. 5 Tips To Negotiate Better Right NowSend us a text'Know your worth and add tax' is a common phrase lately. But how do you know how much to negotiate? They say you don't always get what you deserve but you get what you negotiate. Unfortunately too many of us do not negotiate at all. In this episode, I help you negotiate better. I talk about:1. Why I decided to do better at negotiating2. Starting your research early and websites to help you come up with salary expectations/ranges3. How talking to the right people will help you negotiate b...2022-01-1519 min

The Rich Immigrant42: How To Create Your Financial Vision Board (Replay)Send us a textIts the new year (Happy New Year) and I'm bringing back this popular episode on creating a financial vision board. In this episode, I talk about:1. Why do you need a financial vision board?2. Starting with your overall financial/life vision in mind. Who do you want to be?3. Breaking the vision into actionable goals4. What time horizon should a vision board entail?5. Choosing the right format for your vision board6. Revisiting your goals/board over the yearNothing happens unless you have the...2022-01-0620 min

The Rich Immigrant41: My Personal Journey to FIRESend us a textThis last episode of 2021 is a personal episode where I share my journey to FIRE. Fire stands for Financial Independence Retire Early. In this episode, I share personal examples and I talk about:1. When I first learned about FIRE and my initial impressions2. What changed regarding my thoughts on FIRE2. My thoughts on whether the Movement is exclusive and whether it promotes an obsession with money4. Some non-FIRE things that I've done 5. What if FIRE is not an option based on the cards life has dealt...2021-12-2222 min

The Rich Immigrant39. How Anya is Building Community, Defying Societal Expectations, and Paying Off Debt As an Immigrant"Send us a textAnya's mantra is 'who cares what Aunty thinks, live your life!' As an immigrant from Trinidad, Anya understands the pressure immigrants feel from their community, the people in their new homes, and even from themselves to build a life that's impressive to others, even though it may be extremely stifling to them.What a wholesome and honest conversation we had. We talked about so much, from being a first-generation immigrant to paying off debt aggressively, to standing up to societal expectations and building community. We talked about:Moving to...2021-12-0844 min

The Rich Immigrant39. 5 Ways To Stay Motivated While Working On Your Financial GoalsSend us a textWhether you're paying off debt, saving for retirement, or saving for a downpayment, losing motivation on your financial journey is actually normal. I've definitely had moments where I've lost the zest I once had. Thankfully, I've been able to bounce back each and every time. In this episode, I share my personal journey and I also share five ways to stay motivated on your financial journey:1. Remember your why. Why are you working towards this goal?2. Don't make deprivation a lifestyle. It is not sustainable3. Break it...2021-12-0118 min

The Rich Immigrant38. How To Understand Your Compensation PackageSend us a textThe Great resignation (or the great realignment) is real and people are switching jobs in record numbers. What more? There are a lot of opportunities specifically in the tech space and this means more people are negotiating job offers with equity compensation. The truth is, job offers can be difficult to fully understand. Today's episode helps you understand your compensation package so you can make the best decision and negotiate for yourself!In this episode, we discuss:SalaryBenefits such as PTO, Fertility benefits, Parental leave, fitness, health insurance etc.401k...2021-11-2625 min

The Rich ImmigrantHow To Mentally And Financially Prepare To Transition Into EntrepreneurshipSend us a text I first 'met' Vivienne a few years ago on Instagram as she shared a love for travel. Since then, I've gotten to know her personally and follow her on her journey. What a GEM!Vivienne Okafor is a creative content director, brand coach, and storyteller with a mission to build people. She focuses on helping you discover the essence of who you are through your gifts, story and purpose, and guides you to package it for who you’re called to serve. She’s an avid traveler and believes that it is at...2021-11-1041 min

The Rich Immigrant36: From Medical School to Entrepreneurship - Having The Courage To Pivot with Vivienne OkaforSend us a textI first 'met' Vivienne a few years ago on Instagram as she shared a love for travel. Since then, I've gotten to know her personally and follow her on her journey. What a GEM!Vivienne Okafor is a creative content director, brand coach, and storyteller with a mission to build people. She focuses on helping you discover the essence of who you are through your gifts, story and purpose, and guides you to package it for who you’re called to serve. She’s an avid traveler and believes that it is a...2021-11-0332 min

The Rich Immigrant35: Benefit Enrollment Reminders You Need This YearSend us a textWhen I first started at my full-time job 12 years ago, benefits enrollment was a foreign language to me. With no one to talk to, I read part of the jargon, make my elections, and kept it moving for SIX years. It would take me that much time to realize that I'd been probably selected the wrong health insurance plan and that I should have selected the HSA. It's that time of the year where employees of companies in the USA are making their benefits elections. In this episode, I explain key op...2021-10-2719 min

The Rich Immigrant34: How Much Money Is EnoughSend us a textHow much money is enough? This is a loaded question so let's talk about it. This podcast was initially inspired by the recent phenomenon of being doubly employed and conversations with friends on the topic. In this episode, I share personal examples and I talk about:1. How much is enough when I don't compare myself to other people or chase the next sexy round number2. How much is enough in an emergency fund?2. How much is enough to quit your job?3. How much is enough to retire...2021-10-2023 min

The Rich ImmigrantSeason 4 of The Rich Immigrant Podcast Is HereSend us a textSeason 4 is coming back starting in three days! I'm super excited and I hope you are too! Catch up with me on Instagram, on the blog, and on the last 3 seasons of the podcast!Season 4 is here, the first episode drops on Wednesday!Thank you for listening to this episode of the Rich Immigrant podcast, please rate, review, subscribe, and share this episode on iTunes. Here are the best ways to stay connected:1. Join our community of Rich Immigrants and friends here2. Visit the blog at...2021-10-1701 min

The Rich Immigrant33. How To Invest on a Low To Moderate IncomeSend us a textMany people know that they should be saving for retirement but it is often difficult to delay more immediate needs. Further, too many of us believe that investing is for the rich. This could not be further from the truth and I wish someone broke this down for me earlier. Investing is for EVERYONE.In this episode, I share some tips on how to start investing with as little as $50 - $100 a month. I talk about:1. It all starts with a good budget. A good budget empowers you to tell...2021-08-2026 min

The Rich Immigrant32. The Pressure To Be The Perfect ImmigrantSend us a textThe media just LOVES to glorify the perfect immigrant, but the truth is, while those grass to grace stories are great, there should be room for all immigrants to thrive. Thrive without having to live up to the accomplishments of the 'ideal immigrant.'In this episode, I share my perspective on the pressure to be a perfect immigrant, one that has it all together. I talk about:1. I share and contrast two different immigrant profiles and how they'd be perceived2. The societal pressure to be the perfect immigrant 2021-08-0512 min

The Rich Immigrant31. 7 Newbie Investor Mistakes To AvoidSend us a textAs with anything new, we're all bound to make mistakes on our investing journey. I know I sure have! I have an entire episode dedicated to sharing my money mistakes. In this episode, I'm sharing 7 common investing mistakes and how to avoid them. 1. Not investing at all2. Waiting for the right time to invest/trying to time the market3. Putting money in an investment account but not actually investing4. Incurring high expenses5. Panic selling6. Jumping into risky business 7. Going in without a plan to start with 2021-07-2920 min

The Rich Immigrant30. My Crypto Losses, the Housing Market & Other Mid Year UpdatesSend us a textTune in for a 100% real mid-year update/conversation where I share (unscripted) on the year so far. In this episode, I talk about:1. My crypto losses2. What's going on in the housing market and whether I'm still in the market for a home3. How my portfolio is doing and hitting the first $100k net worth4. What's happening in the car market. Should I sell my car in the used car market?5. My money regret from last year - not buying a used car for resale6. Two...2021-07-2123 min

The Rich Immigrant29. Rashidat's Best Tips for Newbie InvestorsSend us a textRashidat (Shida) and I picked up from where we left off in part 1 of our conversation. Rashidat is a 1st generation immigrant and the founder of Investing Padi, an online community that aims to educate immigrants, minorities, and women about the value of investing in the stock market.Her community started after discovering that many people just like her miss out on low barrier to entry investment opportunities offered in the stock market. Rashidat is dedicated to empowering her community by educating them about the basics of investing, overcoming lim...2021-07-1129 min

The Rich Immigrant28: How Rashidat Is Building Wealth As An ImmigrantSend us a textRashidat (Shida) is saving and investing for her future Rich Auntie self! I don't know about you but that resonates with me so much! This is yet another conversation I wish I had when I first started working, saving, and investing as an immigrant without parents to show me the way. Please listen and share this episode. Rashidat is a 1st generation immigrant and the founder of Investing Padi, an online community that aims to educate immigrants, minorities, and women about the value of investing in the stock market. H...2021-07-0730 min