Shinobu Hindert is a Certified Financial Planner™ professional, money expert, and creator of Empowered Planning, LLC. She spent the first half of her career working for some of the largest financial institutions in the United States, including Smith Barney and Fidelity Investments. As a financial adviser, she created personalized financial plans for high-net-worth individuals all across the country, overseeing more than $350 million in client assets. br br Now Shinobu has taken all her knowledge and created a simple, proven method for teaching personal finance. She has delivered over five hundred live workshops covering a wide range of topics, from budgeting to estate planning. Her goal is to simplify the complex world of investing and empower women everywhere to reach financial freedom.br br Shinobu Hindert, a certified financial planner and author of investing in your superpower, join ‘Forbes Talks’ to give personal finance advice for 2024.br br 0:00 Introductionbr 0:32 A Fresh Start To Your Finances For 2024br 1:47 Tips For Creating A Budgetbr 4:26 What Is The Economic Landscape?br 6:02 Tips For Paying Off Debtbr 8:53 More Smart Money Movesbr 13:30 Credit Cards And Debtbr 17:46 Final Money Advice br br Subscribe to FORBES: br Fuel your success with Forbes. Gain unlimited access to premium journalism, including breaking news, groundbreaking in-depth reported stories, daily digests and more. Plus, members get a front-row seat at members-only events with leading thinkers and doers, access to premium video that can help you get ahead, an ad-light experience, early access to select products including NFT drops and more:br br br Stay Connectedbr Forbes newsletters: Forbes on Facebook: Forbes Video on Twitter: Forbes Video on Instagram: More From Forbes: br Forbes covers the intersection of entrepreneurship, wealth, technology, business and lifestyle with a focus on people and success.