Clever Girl Finance Review (2022 Update): Everything You Wanted To Know!

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Updated: December 27

By: Scam Risk - Expert Reviewer

Clever Girl Finance Review

You may begin your journey to financial freedom with Clever Girl Finance. Swim out of your own murky financial waters and begin learning more about how to enhance your financial situation.

This Clever Girl Finance Review has been thoroughly researched with information and testimonials that are available online to anyone in the public. Any conclusions drawn by myself are opinions.

Table of Contents

Pros: What I Liked

  • Very knowledgeable
  • Completely free
  • Supportive community
The Good

Cons: What I Didn't Like

  • May not be for everyone
  • Results depend on the person
  • You may not learn something new
The Bad

There are countless information courses floating around the internet. Why? Because for every problem that exists, someone claims to have the solution.

And that solution is usually some oddball money-making system that tells you how to turn a casual interest – or maybe something you’re super passionate about – into sustainable, reliable income.

Just like Clever Girl Finance. Here’s the hard truth, though…

Most of these programs:

  • Take way more time than you’re led to believe
  • May have hidden fees
  • Require you to buy multiple upsells in order to get the “real” information

But most importantly, a lot of these programs just don’t scale.

“Scale” means once you do the work to make a little money, it should get easier to make more money, not harder.

The problem is, most programs out there make it hard to make money at first and even harder to keep making money.

In other words, you might be able to make some money in the beginning, but it won’t be sustainable, and you’ll end up getting discouraged.

This is the exact opposite of passive income.

When income is truly passive, you do the work upfront, but then you set it and forget it. The money gets made whether you’re working or not. It’s not directly tied to the hours you put in.

So, what if there was a way you could build a passive income stream that’s actually passive?

An income stream that doesn’t require:

  • Inventory
  • Selling to friends and family
  • Selling to strangers
  • Recruiting people
  • Dealing with questionable products that weigh on your conscience

An income stream that brings in consistent monthly revenues (from a couple of thousand dollars to well over $10,000)?

An income stream you could actually build in your spare time, and grow as large or as small as you want to, without having to spend hours a day chasing, selling, or managing anything?

If that sounds like something you’d be interested in, check out Digital Real Estate. 


This is nothing like Clever Girl Finance, and that’s probably a good thing.

However, if you’d still like to know more about Clever Girl Finance, keep reading.

What Is Clever Girl Finance?

What Is Clever Girl Finance

CGF’s mission is to “empower women to get out of debt, save money, and generate real wealth!” It is a mission-driven platform that is entertaining, informative, and empowering.

Bola Sokunbi established Clever Girl Finance in 2015. Despite the fact that there are other personal finance websites available, Clever Girl Finance stands out since it is much more than a personal finance platform.

As one of the greatest and most popular financial platforms, particularly for women, CGF has built an extraordinary community that genuinely differentiates it. As you explore the Clever Girl Finance website and get familiar with the platform, you will see that it is a welcoming and supportive community.

It’s a place where there’s “no shame and no judgment.” You may be disappointed in yourself if your financial condition isn’t exactly where you want it to be. For the first time, learning about personal finance and having a money mindset might be scary, and it’s tempting to beat yourself up over prior failures.


CGF, on the other hand, along with other smart and savvy women, works to build you up rather than tear you down. You don’t have to be concerned that you have some terrible money habits or that you’re far from perfect.

The CGF community understands that we all have to start somewhere, and this is a helpful, encouraging personal finance platform that will allow you to see a genuine change in your life. There will be no snark or plenty of dude bros scolding you for not maxing out your Roth IRA this year, which is a wonderful dream come true.

With the vital skills learned from Clever Girl Finance, you may put yourself on the path to financial success.

Who Created Clever Girl Finance?

ceo of clever girl finance

Bola Sokunbi is a money expert, author, and Certified Financial Education Instructor. In addition, she is the CEO and creator of Clever Girl Finance, a platform that teaches and encourages women to achieve financial independence and freedom.

Bola saved her first $100,000 after graduating from college in the United States in around three years. She did this by keeping her living expenses low, consistently saving, and having a profitable side hustle (a photography business).

Bola Sokunbi

Despite her early success, Bola made several financial mistakes, like maxing out a high-interest credit card and collecting a pricey collection of luxury handbags she seldom used. Bola founded Clever Girl Finance in 2015 to help inspire women to become more engaged in their own financial wellness.

Sokunbi, the driving force behind the massively famous Clever Girl Finance website, uses her personal money mistakes and financial redemption to educate and encourage a new generation of women on their financial journey.

What Can You Get Inside Clever Girl Finance?

What Can You Get Inside Clever Girl Finance

Free Financial Courses

One of the most notable features of CGF is a collection of free online financial courses. Previously, some of these courses needed payment. However, they have changed to permanently give the courses for free.

These classes are legally free. There are no requirements or unique conditions that you must meet to have free access. They are available to anybody and may be accessed by just making an account. Clever Girl Finance’s courses cover topics like budgeting, saving, paying off debt, creating financial goals, investing, building a business, and more.


Clever Girl Finance is a blog where their skilled team of authors writes articles on all aspects of personal finance regularly.

You’ll find many useful articles on the site whether you want to get control of your finances, save more money, pay off debt, invest wisely, or boost your income. You may read articles by category or browse the most popular and latest articles.


Clever Girl Finance TV is another popular feature of the site. While the blog is constantly updated with fresh text-based material, CGF TV is constantly updated with video content. The videos may be seen on the website or on YouTube.

Bola Sokunbi appears in the videos, many of which include an interview with an expert on a certain issue. These interview videos allow you to gain valuable financial lessons from successful women.

Worksheet Library

Budgeting, investment, insurance, real estate, business & side hustles, wedding planning, and other subjects are covered in the Worksheet Library, which contains downloadable PDFs and Excel spreadsheets.

You’ll also discover some extremely useful financial calculators that can assist you in calculating things like debt repayment, compound interest, the amount of money you need to save to meet your savings objectives, and much more.

Community Coaching Calls

Coaching calls are one of the ways you may become active in the community. These video chats are free; you may communicate with other CGF women. This isn’t, however, boss babe MLM “coaching.”

The conversations cover many personal financial issues, and you may even ask your own pressing questions. With free registration, you’ll have access to the archives of previous video coaching conversations and be alerted via email of upcoming call dates and hours.

Clever Girl Finance Book

Bola Sokunbi’s book Clever Girl Finance: Ditch Debt, Save Money, and Build Real Wealth was released in 2019. This book is offered in print, audiobook, and Kindle ebook formats.

The CGF blog entries, podcasts, and videos already provide a ton of material, but there are moments when the sheer quantity of content may be overwhelming.

How Much Does Clever Girl Finance Cost?

Clever Girl Finance Review

In addition to offering a wide variety of material choices and forms, Clever Girl Finance virtually exclusively offers free content. One of the finest sites for those looking to better their lives and take charge of their money is, without a doubt, Clever Girl Finance.

Do yourself a favor and educate yourself on money management before credit card chaos start. With the assistance of Clever Girl Finance, you may start saving money, and eventually, you can be one of those people who understands what does excellent financial well-being feel like.

Is Clever Girl Finance A Scam?

So, is Clever Girl Finance a scam? Not technically. You can make money with this program, but it’s definitely not as easy as they make it sound.

There’s a ton of work to be done upfront, no real guarantee of success, and – most importantly – it doesn’t scale.

Now, there’s nothing wrong with front-loading the work and making the money later.

But if you’re grinding it out for 3 months, and then your reward is being forced to grind it out for another 9 months before seeing any “real money,” well…that’s not a great deal, is it?

What if, instead, you could do that same 3 months of work (in your spare time), and your reward was a $500 to $2,000 payment that came in every single month?

And what if you actually didn’t need to wait 3 months? What if you could get started today and have your first payment in a week?

And what if you could double it next week?

Well, that’s the power of Digital Real Estate

And you can legitimately do this from anywhere. It’s a true lifestyle business.

Your laptop and an internet connection are all you need.

Some of the most successful students in this program run their entire 6-figure businesses from:

  • A camper in the middle of the woods
  • A beach chair on the water in Mexico
  • A small villa in Greece


They’re able to travel around, living their lives first, and focusing on their income second.

Because even if they stop working for an extended period of time, the money keeps coming in.

So adventure, memories, and experience are the top priority.

And they never have to worry about how to pay for the next trip, or consider asking for time off.

If this sounds more like the type of life you want to lead, just click here to find out more about Digital Real Estate.

Are There Alternatives To Clever Girl Finance?

are there alternatives

Yes, there are plenty of eCommerce programs and resources to choose from if you want to pursue this business model.  Here are just a few:

What Is My Top Recommendation For Making Money In 2022?

Digital Real Estate

Our review team has spent months researching, reviewing, and vetting dozens of business models and thousands of programs.

While there may be no “perfect business,” the research IS conclusive:

Digital Real Estate is the #1 online business model for those just starting out.

Whether you’ve never made a dollar online or been in this space for a while but never really “made it,” Digital Real Estate is for you.


1) It’s Flexible: got an hour a day? You can do this. Ready to drop everything else and dive in full-time? You can do this. Yes, the more time you put in, the faster you see results. But even with a little time each day, you can move the needle in a Digital Real Estate business.

And because this system is so flexible, you don’t have to constantly be working to make more money. It’s called PASSIVE INCOME because if you stop working, the money doesn’t.

Imagine taking 3 months off to just tour around Europe, rent a cabin in the woods to write a book, hike the Appalachian Trail, or live on the beach and surf all day.

This is only possible if you have an income stream that’s not tied to your time.

Jump All In

2) You Own & Control EVERYTHING: With Clever Girl Finance, you don’t really own anything. You have no control over the quality of products. You don’t even own your “business”.
Look at the fine print for most of the agreements folks sign when they join one of these companies. At any point, the company can change your commission structure, reduce your profit margins, or kick you out entirely.
With Digital Real Estate, you own the assets, which means you have all the power and all the control.


3) Little To No Startup Costs: It’s possible to get into Digital Real Estate with zero dollars upfront. Because, using the strategies outlined in this program, you can get a client to pay you BEFORE spending a penny out of your own pocket…even before you do any work.

Even without getting paid in advance, you can have your first Digital Rental Property up, running, and generating profits for less than $100.


4) No Inventory: Alright, so most Clever Girl Finance doesn’t make you buy the products and fill your garage with them anymore (unlike the good ol’ days), but you’re still in a physical products business.

And physical products always have physical limitations. Even if you don’t have to manage the inventory, you still have to deal with supply chain shortages that cause major delays.

Imagine finally landing your first customer and losing them after one sale because they had to wait 6 weeks to get their order.

With Digital Real Estate, a 100% online business, you never even have to think about that risk.

Lance Lead Gen

5) Easy To Duplicate: Ok, here’s the best part: once you have your first Digital Rental Property up and running, you can literally DOUBLE your income with a few clicks, a couple of keystrokes, and a single phone call (and you don’t actually need the phone call).

Remember: each Digital Rental Property is worth $500 to $2,000 monthly in semi-passive income (over 95% profit). Every time you decide to create another one and increase your income, it gets easier.

Because you have more knowledge, more experience, more results, and more momentum.

If you wanted to double your income with Clever Girl Finance, you’d probably need to double the number of hours you spend working. Because, again, this program doesn’t scale.


6) Make Money Helping Real People: With Digital Real Estate, you’re actually helping people by solving your clients’ biggest problem:

Small, local businesses need more customers, and with Digital Real Estate, you are unleashing a flood of happy, paying customers for these businesses.

You make money by helping them make money.

Not a big, faceless corporation either…a small business owner who’s using that money to put food on the table for their family, start a college fund for their kids, or take care of a sick parent.

Once you see how Digital Real Estate makes a real impact in the lives of real people, you’ll sleep like a baby with a big smile on your face.


Now, the choice is yours. You could continue browsing, looking at opportunities like Clever Girl Finance which could one day make you money.

You could continue researching, never making a decision.

OR, you could take a look inside, consider what you really want, and join a program that makes your dreams a reality. At the same time, joining a community of over 2,000 successful students that are living life on their own terms, thanks to Digital Real Estate.

A consistent, reliable, semi-passive stream of income that doesn’t depend on you or your time to keep producing profits.

All while genuinely helping real people who are grateful and happy to pay for it.

If this sounds more like what you want out of life (or if you just want some nice side income), click here to learn more about Digital Real Estate.

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