Latest / Chatting with The Experts with Paula Okonneh / Women's Strategies to Build Lasting Wealth

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Women's Strategies to Build Lasting Wealth · Chatting with The Experts with Paula Okonneh

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Hello, and welcome to Chatting With the Experts, where I speak with
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fantastic women from Africa, from the Caribbean, and in the diaspora.
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Our topic is
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Beyond Income: The Global Strategies Women Need to Build Lasting Wealth.
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My guest says that this topic is perfect for anyone who's ready to improve their
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money mindset, protect their family, and build long-term financial freedom.
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She is a transformational financial coach.
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She's an international speaker and author based in Maryland.
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She simplifies complex topics like budgeting, retirement planning, and life
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insurance, as well as debt management, inspiring audiences to be the bank
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and to embrace their rich auntie life.
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And she was the recipient of Maryland's Top 100 Women Award in 2025.
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And with that, I want to welcome Saran T. Baker to Chatting With the Experts.
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Saran, I love that you inspire audiences to be the bank.
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Whoo, I love it.
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How are you today?
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I'm excited to be here with you.
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I'm excited to have you on as a guest.
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And you know what?
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You were the recipient of Maryland's Top 100 Women Award.
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That's so cool.
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Tell us about that before we get into the questions.
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Oh, that is such a honor to have received that award because
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you have to be nominated.
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Mm
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… and vetted through thousands of women in Maryland who are submitted.
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And when you go, the Daily Record really puts on an amazing event.
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They allow you to bring all your family and friends, and they just really
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celebrate women across Maryland who are contributing from social to finance,
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to the arts, to business, to education.
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They celebrate all the different areas where women are doing everything.
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And when you're in the room, you're with women from all walks of life, all
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ages, and it's a beautiful experience.
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So congratulations again, 'cause this is 2026, and I'm
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celebrating you all over again.
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Thank you.
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Absolutely.
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So I know off-camera we talked about some of the things that we're gonna be talking
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about today, and one of them is why high income does not always equal wealth.
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Yeah.
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I agree with you.
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That's why you're here.
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You're the expert.
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Yeah.
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It's one of those things where, you know, you always hear people,
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"If I just made more money-
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Mm-hmm
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I'd save more, I'd pay off debt, I'd do more." And the reality is if we can't
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manage little, we can't manage a lot.
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Mm-hmm.
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If we're making $50,000 a year and you start making $150,000 a year, and you
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never learnt how to manage $50,000, you're gonna manage that $150,000 the same way.
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Mm-hmm.
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Because income doesn't equal wealth.
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Income is the money flow that you get coming in, but the key
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to it is how much do you keep?
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How much is not flowing out each month, but going towards strategic things for
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your retirement account and a separate investment account, an emergency
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savings account, a fun day account.
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Like everybody says rainy day, but what about a fun account, right?
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Somewhere you can have fun.
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But putting it into accounts that allow you to build wealth, making sure you have
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the right types of life insurance set up, making sure that you're streamlining
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different things and cutting out waste.
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Those type of things are really where the wealth comes in.
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It's not in the amount of money, it's in the management of it.
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And when we talk about the management isn't just about spreadsheets, right?
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It's about what you do when it counts, what you do when it's crunch
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time, what you do when you're put under pressure and something happens
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and it's a financial decision.
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The decision you make in that pressure point is what matters to
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your money more than anything because if under pressure with your money
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you make bad decisions, that means you're gonna continue to make them.
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If under pressure you make bad decisions, you are going to continue to do that.
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Mm-hmm.
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You're going to continue to make them.
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So what I'm hearing in that sentence is that there's chaos.
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Yes.
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Mm-hmm.
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And so I know one of the things you've talked about is how you can take, you can
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change or you can help people change their mindset so they go from chaos to calm.
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Mm-hmm.
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And in that, ultimately change your relationship with money.
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Can we, let's talk about that.
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How do you do that?
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Oh, yeah.
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My favorite thing is to talk about going from chaos to calm.
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I'm not like everybody else.
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Chaos to me, I define it-
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Mm
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… as can't handle any obstacle sent.
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Oh, acronym here.
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That's good.
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Can't handle any obstacle sent.
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The chaos is not that things aren't going on, it's that when a obstacle
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shows up, you either don't have the finance, you're not fit mentally enough
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to make a good decision with it, or you just haven't put yourself in a
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place where you can be under pressure and make the right financial decision.
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When that family member calls and says, "I need somewhere to stay," when
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that family member calls and says, "I need money for ABC," and you haven't
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taken care of your necessities…
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mm
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… and your wants and your likes.
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Because one of the things that we miss with money is that we are
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supposed to support one another.
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We are supposed to keep it moving.
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Money is like energy.
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I talk about that a lot on, my different videos that I do.
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Money is energy.
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It's supposed to be constantly moving.
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But where are you moving it to?
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And where is it moving through, right?
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And so when you wanna go from that state of chaos, of can't handle any
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obstacle sent, to a state of what I call calm, which is control, abundance,
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legacy creation, and money mastery, when you wanna go to that place,
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you have to be able to notice in the moment's time that, "Hey, wait.
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I'm under pressure.
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I think this is my only option, but maybe it's not.
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Maybe I need to take a pause before I go this one direction with the
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finances." And decide something when I'm in a more clear state of mind.
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And it's easy to talk about it, but you gotta be in practice
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with it on a regular basis.
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When that unexpected bill comes, doing, you know, hurrying up and paying it
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versus making sure you have a plan for everything else if it's a big expense.
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Just taking the time to really be thought out.
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And then when you have a systematic, automatic plan with your money where
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you know that every time you receive payment, money goes to certain buckets so
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that when there is an emergency, there's already something set aside for it because
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you planned for potential emergencies.
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Okay.
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Let's hear this again.
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A systematic automatic plan.
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You gotta open that up.
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A systematic automation plan, right?
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Automated.
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You know, automation.
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What happens with our money is a lot of times it doesn't go where
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we intend it to go because we made the plan, but then we didn't put
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something in place to make it happen.
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And what that looks like is if you said, "I'm gonna put 10%… I'm gonna take
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10% of my earnings every time I get paid," whether it's weekly, biweekly,
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monthly, annually, whatever your pay cycle is daily, however you get paid.
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"I'm gonna put 10% aside for emergency fund, for investments,
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for retirement," and for whatever.
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Whatever, however you wanna define it, right?
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And you say that's what you wanna do, but you don't go in and automate it.
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And what that looks like is, did you set up a direct deposit to a separate account?
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Or did you set up an automatic transfer from one bank to another?
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Do you have the checking account to the high yield savings account, the paycheck
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to the retirement plan, the checking account to the insurance policy, or
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wherever you're putting your money.
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Do you have it automatically going so you're not thinking about it?
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We'll automate paying a bill.
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Let them come take their money however they wanna take it.
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But we wanna automate creating our financial futures.
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And that's where the gap comes in.
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And as women, I'ma lean in.
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I'm leaning in with you too.
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Okay, both of us leaning in.
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We tend to think it's our job to save everybody.
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Sister say that again.
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We think we are a savior.
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As women, we tend to think it's our job to save everybody with our finances, with
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our time, with our labor, with our food.
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Whatever it is, we think it's our job to save everybody.
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And yes, we are supposed to serve the least of these, 'cause I am not denying
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that by any stretch of the imagination.
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But we are supposed to be discerning, and we're all supposed to know when this
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may not be your time to serve and when this may be that time for that person
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to find a way to bounce back on their own so that they can learn the lessons
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that you had the opportunity to learn, 'cause nobody was there to pull you up.
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And that becomes the gap because we're so caring.
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Mm-hmm.
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And we're so loving of all of our family and friends.
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And sometimes we forget the thing that we know for sure and we know how to get
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done for sure, we know it because we failed at it and nobody helped us fix it.
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And we learnt our lesson.
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And we learned our own lesson on our own.
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Yeah.
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It's a tough conversation, right?
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Mm-hmm.
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Because we don't wanna see our, the people that we love
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struggle or hurt or go without.
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Mm-hmm.
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But what if that was the opportunity for them to really level up, and we
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took that away because we saved them?
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Yeah.
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You know, it makes me think about…
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or like, or not even, use the word save.
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We solved it for them.
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Yeah.
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That's what I was about to say, is just like, you know, you
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think about do you teach them to fish or you give them the fish?
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You know?
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Mm-hmm.
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When you teach someone to fish, then they've got a skill for life.
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Mm-hmm.
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When you keep giving them the fish, then they don't know how to fish.
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Yeah.
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And it's not about and, even in that analogy, I was debating
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that with someone the other day.
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It's like, you can't really teach me to fish if I'm starving, 'cause I'm gonna
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knock you over and I'ma bite you on the… and bite you 'cause I'm hungry, right?
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Yeah.
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But I can give you something to eat while I show you how to do it yourself.
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Mm-hmm.
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Right?
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Here's some bread.
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Let me show you how I got it.
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Yeah.
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Let me take you here.
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And then when you see if they're not willing to go learn to fish,
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that's when you get to decide, "Hey, maybe this isn't where I invest my
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time, efforts, energy, and money."
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Mm-hmm.
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Right?
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But it's about figuring out that balance, because we love so
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deeply, and I love that about us.
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And I want us to do that same amount of deep love for ourselves.
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And that deep love comes with also preparing ourselves for
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ourselves financially in the future.
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Because what happens here, and I know you have a, a large international audience,
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but what happens here in America is the woman who takes care of the household
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and takes care of everything and makes sure everybody else is okay, when
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it comes time for her to retire, she becomes dependent on the government.
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She becomes dependent on charity, and she no longer has the resources that
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she had because she depleted them making sure everybody else was okay.
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And in some of our international countries or countries that are
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not, we don't have that, um… What's the word I'm looking for?
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We don't have government, we don't have the social-
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Mm-hmm
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I can't think of the word.
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But anyway, we tend to depend upon our children.
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Mm-hmm.
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And sometimes our children cannot help you because they
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are like a sandwich generation.
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They've got their own children, and they've got…
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mm-hmm
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… you.
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And so you're looking to them to help, and their hands are stretched.
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They just can't.
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So like, yeah, as you say, you're dependent upon the government, but what
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the government has given you is not enough because you haven't saved sufficiently.
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You haven't put things in place for your retirement.
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Correct.
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And at the end of the day, it's not just about being able to retire,
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it's about being self-sufficient.
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Sufficient, yes.
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Self-sufficient.
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The other thing that our women do…
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and I talk about this because we don't trust enough in the financial industry.
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We don't go in and get the information.
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And I know the reason why.
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I sat in a workshop last week with some gentlemen teaching a class to, all men
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teaching a class to about 200 women.
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And they were glazed over like, "What is this guy talking about?" Mm-hmm.
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And I thought to myself, most people in the financial industry can't even
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relate to the women in the audience, the issues that they have, the financial
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things that they're working on.
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And what happens is they don't go get the information from the person
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because they don't feel like they can be seen, heard, and understood.
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And that creates a gap, right?
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We don't go and learn how to invest.
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If you have daughters and granddaughters, start teaching them how to invest now
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while they're little girls so it's not intimidating when they become young women.
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So they learn how to trade in the different markets.
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I know they have stock markets and industries around the world.
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Teach them how to trade.
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Teach them how to be comfortable with numbers.
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Teach them how to be able to do those things for themselves.
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And at the end of the day, it's more about setting up something sustainable
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for you now that you'll be able to count on 20 or 30 years from now.
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So can you elaborate a little on what those missing pieces are?
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Well, one of the number one missing pieces for women is we get married,
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and we are with the love of our lives.
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Mm.
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And for life, right?
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We're not gonna talk about those who may or may not separate for whatever
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reason, but you're together for life.
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The number one thing you should be doing when you decide you're gonna be
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together, at engagement, not when you get married, at engagement, is you need to be
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putting together a life insurance plan.
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Got you.
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For the both of you.
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For the both of you.
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And they have life insurance around the world, so it may work slightly
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different in other countries, but they have it around the world.
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Mm-hmm.
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You wanna have that set in place because the number one thing in
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those vows is until death do us part.
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So that means somebody will do part first, right?
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Statistically, our husbands predecease us.
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Yes.
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And what happens is women go into poverty because their husband's passed away.
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They don't know how to manage the money, they don't know how bills are, handled,
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and they didn't have enough income to live without or be sustained without them.
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Mm-hmm.
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Right?
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So you wanna make sure you have in place enough money in an insurance
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policy so that when, not if, one of you passes away in that marriage,
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there's money to sustain that person.
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$500,000 to a million dollars.
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And people like, "Why would I make…" And some people get up in arms about
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that when they hear me say that.
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Why would I leave a $500,000, a million dollars?
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Because guess what?
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When you start to do the math on how much it costs to live, if this person
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if your loved one, someone you love, lives another 20 years, 30 years
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after you pass, and you divide that up You only, you divide up $500,000,
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you're only talking $50,000 a year.
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And that's a low income salary in the United States.
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That's it.
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If it's a million dollars, you need to divide that up over 30 years.
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That's $100,000 in the United States.
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That's still like… too much … just enough money to not to live on your own.
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And we're not putting into consideration health.
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Talking about if that person's healthy.
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Yes.
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If they need to pay extra money for healthcare.
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They need to pay any type of co-payments or additional
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things that come along with it.
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And healthcare, health insurance only covers well so much.
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Do you need to get your house retrofitted for something?
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Do you need to buy a house?
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Yes.
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I mean, you know, so you, so your family has somewhere to be.
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So it's really just thinking more long-term than we've been taught to think.
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And the reason we weren't taught to think that long-term is because if you
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did think long-term, then you wouldn't be put in a place economically where
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the system itself could charge you more for credit, the system itself could
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charge you more for food, clothing, shelter, and all these things.
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Because we often talk about people with money for whatever the reason,
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but they don't pay as much to live.
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It's costly to be poor.
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Sometimes.
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It costs more substantially to not make or have enough money, because you're gonna
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pay higher interest rates on everything.
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Yeah.
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You're gonna have higher rent, higher utility costs.
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You're gonna, at least in the areas that I'm in, there's gonna be more traffic
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light ticket cameras, and just different things that… proportionally … will be
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happening- You're totally right … that will just cost you more just by virtue
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of the fact that you don't have money.
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And it's a sad reality, but it's almost better to hurry up and get
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rich in some type of way, legally of course, than it is to just stay poor.
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Or to stay financially challenged.
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I want you to stress a bit more on that.
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Why is it that in the areas that are, I wanna say of lower income,
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we tend to have, higher rents.
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We tend to have, the grocery stores are, the prices there are higher.
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Can you elaborate a little bit on that?
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For those who are, you know, not familiar with how the system works.
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Sometimes it's just by virtue of it, when you get to those areas, you're
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gonna have a lower credit score, which is what we use here in the
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United States to determine if you're deemed worthy to borrow money, right?
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Right.
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So if you have a lower credit score, they charge you higher interest, which means
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you're gonna have less money, right?
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When you go to some of the areas where the groceries are higher and
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the different things, it's 'cause we have what they call food deserts-
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Right … here, where you don't have access to a lot of fresh produce.
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You don't have access to fresh fish, fresh meats, all the things
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that, um, are better for you.
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And then that in turn impacts your health.
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When you go into certain communities that are considered impoverished, you're gonna
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see more liquor stores, more fast food chain restaurants, things that aren't
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necessarily the most healthy for you.
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But you're not gonna see the, you know, the medi-spa where you can
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go and get, you know, acupuncture and stretching and, chiropractors.
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So you're not gonna see all the things that are there to
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really make you feel better, the mental and the medical services.
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You're gonna see a lot of fried foods and the things that aren't
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better for you because it ties into also the health system.
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So if we can keep you sick, keep you on medication, you're gonna
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have a clouded mind, and you're not gonna be able to make decisions.
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That's why when we started the conversation I talked about how are
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we making decisions with our finances when we're stressed, when we're under
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pressure, when we don't really know what to do and which way to go, right?
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One of my favorite podcasters, he talks about, everybody talks
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about get rich quick schemes.
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He's like, "What about stay broke slow plans?"
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Sure.
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Sure.
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That's- He's like, "Wouldn't you rather get rich fast?" Like, why you wanna wait?
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Oh.
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Right?
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Why wait?
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like, "If you can go figure out something legal, ethical, and moral to
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do as a business that serves people.
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That's right
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… and you can charge them for it, and you can become wealthy doing
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it, why aren't you doing it?"
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Mm-hmm.
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Because that's the key.
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That's the gift that you were given, is if you're able to do it, like
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you, Paula, your gift is you're spreading the word, you're chatting
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with the experts, you're bringing people in to talk about what they do.
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To share that knowledge with the community.
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Why shouldn't you, be paid for doing it?
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And it doesn't always mean that you're charging a person.
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There's ads, there's affiliate marketing, there's all these ways, there's all
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these layers of ways that are absolutely ethical, absolutely legal, and
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absolutely moral that we can make money.
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Absolutely.
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you know, and that's exactly why I bring in experts, so that we can
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expand our mind because there are many times we listen to things and we get
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that aha moment because somebody said this that you had never thought of.
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Mm-hmm.
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And that's because that's, you know, that's their expertise.
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They're bringing in to you on a platform that you may not have had access
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to, and you listen to it and you're like, "Wow, never thought about this.
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Now I can open up my mind and do something else-
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Mm-hmm
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… because I heard it on the platform-
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Mm-hmm
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… that gave me access.
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Mm-hmm.
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And that brings me to the next, question which is empowering women to become
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the CEO of their own financial lives.
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I know that's something that you do.
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Giving women an opportunity to know that, okay, knowledge is wealth.
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And it can start from anywhere,
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Yeah.
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Just opening up your mind to opportunities, seeing things from a
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different perspective, putting yourself in places that, you know, where you can
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meet or have access to knowledge, to people who have access to other knowledge.
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You know, we learn from each other.
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So how do you enable or empower women to become their own financial CEOs?
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So one of the ways I do that is I do that in what I call my academy.
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I have a Commonwealth Academy.
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And we work through all the things that are money, right?
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We're gonna … the thing is that you can never stop learning about money.
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I'm in the financial industry, and I promise you, twice a week
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I'm taking a workshop about money.
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Because at the end of the day, there's so many ways to learn about it, and I
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encourage all women to get into a program.
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It doesn't have to be mine.
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I'd love to have you in mine if you qualify, but it doesn't get into a
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program where you're learning the basics.
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You're learning about budgeting.
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You're learning about saving.
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Then once you kinda master that, learn about protecting yourself, making
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sure you have the right protection.
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Learn about investing.
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How do you move through the markets?
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The investment field is so broad.
25:01
You don't have to be a stockbroker, and risk it all, per se, to
25:07
be in the investing game.
25:08
Learn about the different areas of investment.
25:11
Find one you're interested in and lock in on that niche.
25:14
Lock in on that small area, 'cause there's 10, 15, 20, hundreds of ways
25:19
you can get into investing, right?
25:21
I know someone who she just started an investment company.
25:24
She's literally only gonna be providing investment opportunities for people who
25:28
wanna do commercial real estate, right?
25:31
That's a whole niche that people didn't, may have been … I didn't know it
25:35
existed until she talked about it.
25:37
She's only gonna be financing people in commercial real estate.
25:40
It doesn't have to be the residential real estate.
25:43
You don't have to go and trade stock, trade options every day, do day
25:47
trading to make money in investing.
25:50
And so find out what fits your lifestyle.
25:53
When I think about investing, I'm a buy and hold investor.
25:56
So I find a stock I'm interested in, I buy it, and I hold it.
26:00
That's it.
26:02
Literally.
26:03
I just own the stock, right?
26:05
Then so oversimplify it, I only buy stock in things that I already use.
26:10
I order stuff online, so I own stock in the company that
26:14
I order stuff from online.
26:16
I use a cell phone, so I own stock for the company I have a cell phone with.
26:21
I have a laptop and equipment that I use for my business, so
26:23
I have stock in that company.
26:26
So I'm not just a user, I'm an owner.
26:29
Look at that.
26:31
And the other thing is really start to teach your girls early.
26:36
If you are a mother or a grandmother of a young woman, teach her to own
26:42
the stock in that- purse company or outfit or whatever it is first
26:50
before you get her the bag, right?
26:54
Or get her the thing.
26:55
Teach her that ownership is the power versus wearing it, right?
27:02
If you have young ladies and they're interested in makeup and, all the
27:05
great things that we have accessible to us as women, okay, show her how
27:10
to become an owner in that company first before she becomes a consumer.
27:17
Emphasize that please, Saran.
27:19
Yeah.
27:20
Before you buy the bag or buy the makeup or the shoe, the
27:27
designer shoe, own the stock.
27:29
That's what you're saying.
27:30
That's right.
27:31
Because company ownership over product ownership is more important.
27:36
I had a friend of mine say to me a couple years ago, they're
27:39
like, "Oh, you don't own XYZ bag."
27:42
I said, "No, I don't own the bag." They're like, "Well, I don't understand
27:45
how, you know, you've accomplished this or that and you don't have XYZ bag."
27:50
And I said, "But I have the stock."
27:55
And they were like, "But you don't have the bag." I'm
27:57
like, "The stock was cheaper."
28:03
and the stock was better, right?
28:04
The stock was more reasonably priced, and it was better for me.
28:08
And so when I go get the bag I literally, I mean, I own shares in
28:13
That is gold.
28:16
That is gold.
28:18
Oh my gosh.
28:19
So I technically will be almost giving back to myself because I'm
28:22
contributing to the bottom line.
28:24
Absolutely
28:25
… of my company for that quarter, because I decided to own the stock first
28:30
Saran, that is… we can end on that note because you have said it all.
28:36
That's what we need to teach our girls.
28:40
Before you buy the product, buy the stock, because you are investing in yourself.
28:47
Even when you do go buy it, you're buying your own product.
28:52
Yeah.
28:52
Can't go wrong with that, right?
28:54
Mm-hmm.
28:55
Correct.
28:56
I mean, we're using a platform here, right?
28:59
That we're speaking on.
29:00
Mm-hmm
29:00
We could buy stock in it.
29:01
Why not?
29:03
You can use it.
29:04
I mean, because you can either just be a user or you can be a user and an owner.
29:08
Absolutely.
29:10
Or you could just be an owner and don't ever use it.
29:13
True.
29:15
And watch the stock go up.
29:17
Yeah.
29:19
Hmm.
29:19
I love it.
29:20
I love it.
29:21
All right.
29:22
So we know we have people in the audience who would love to hear more about you,
29:26
how they can become… the longest journey starts with the first step, so
29:30
how they can start becoming millionaires.
29:32
Ha ha ha ha.
29:34
Becoming the CEO of their own financial lives, in other words.
29:38
If they wanted to get in touch with you, Saran, how can they do that?
29:42
Whoever's listening or viewing this on YouTube, where can they find you?
29:48
I'm on YouTube also.
29:49
Okay.
29:49
You can find me @saranbaker on YouTube.
29:50
But you can also, find me on Instagram @therealsaranbaker.
29:52
You can find me on Facebook
29:58
on my business page,
30:00
STB Financial Services.
30:03
And if you are ready to start your journey, you can join my next cohort.
30:07
I have a upcoming boot camp in the next couple of weeks.
30:10
You can go to joinsuran.com/save.
30:14
and make sure you put in the keyword Paula so I know you came from Paula.
30:19
And you can join that community and come into that space where we're teaching you
30:25
the right mindset to get to the million, because you can't be a millionaire
30:31
until you know it in your mind first.
30:34
Because we get it wrong when we say seeing is believing.
30:39
The reality is it's the opposite.
30:41
Believing is seeing, because we have to have faith first before we can see it.
30:47
Yeah.
30:48
But if we don't ever have the faith, we never will see it
30:52
Yep.
30:54
Absolutely right.
30:56
The things we don't see, those are the ones that are permanent.
30:58
Mm-hmm.
30:59
Such is the word of God.
31:01
So for those of you who are watching this online or are in the audience and
31:09
haven't yet had a chance to go to YouTube, we'd love for you to watch this episode
31:15
when it comes out on my YouTube channel, which is Chatting With The Experts.
31:19
You'll see this episode and all the other women experts who have
31:23
been on Chatting With The Experts.
31:25
I'm also on LinkedIn.
31:28
My business page there is Chatting With The Experts, or you can go
31:31
to my profile, Paula Okonneh.
31:34
I'm on Facebook.
31:36
My business page there is Chatting With The Experts.
31:39
And on Instagram, my handle there is @chat_experts_podcast.
31:46
And if you'd like to be a guest on the show, reach out
31:48
to me on my website, which is
31:53
chattingwiththeexperts.com.
31:55
Thank you so much, Saran, for dropping that nugget, I wanna say,
32:00
if you wanna be an ex- not an expert, well, of course, if you wanna be
32:03
an expert, you can be on this show.
32:04
But if you wanna be a millionaire, invest in the stock of the designer bags, the
32:10
designer shoes, the designer dresses.
32:14
Buy stocks there, and then you too can be that millionaire.
32:18
All right?
32:19
So now let's open up the floor to all those who joined us, and they can ask
32:24
you the questions that, I say this every week, the questions I forgot to ask
32:28
or I just didn't remember to ask you.
32:34
Thank you so much for being a guest on Chatting With The Experts.