Founder of MoneySmart Consultants, Kaycier Grant-Clarke, is sharing even more ways Jamaicans can confidently navigate their financial journeys.

Fresh from the successful hosting the ‘Reset Your Finances in 2025 and Unlock Financial Freedom‘ webinar, Grant-Clarke – with 20 years of experience in financial coaching, investment management, wealth and portfolio advisory, individual life insurance, and credit union services – has established herself as a respected authority in the financial sector.

Before founding MoneySmart Consultants in 2022, she partnered with prominent financial institutions including Scotia Investments, JMMB, and Sagicor, while managing billions of dollars in investment funds for some of Jamaica’s most elite clientele.

While Grant-Clarke believes extensive experience has equipped her with a deep understanding of complex financial landscapes and the unique challenges faced by clients across various sectors, she’s fully aware that not every will be able to grasp the technical knowledge required to work in some environments.

She shared, however, that her “passion for educating people about money management comes from her firsthand experience working in the local financial sector, where she has seen the transformation that can take place in people’s lives when they understand how money works and make their money work for them”.

A certified financial planning coach, Grant-Clarke is passionate about making financial knowledge accessible and actionable, especially with humble beginnings in rural St Elizabeth. As such, she blends expert insights with a sincere commitment to helping individuals achieve financial literacy and security.

Beyond the professional: The simple approach

Yet, Grant-Clarke’s understanding is not just shaped by her professional achievements. She explains that one key influence in her journey has been her immersion in reading classic financial books. These books have become a staple in her life and are a part of her strategy to teach her children about money and creating generational wealth.

The self-proclaimed bibliophile confessed that one of the best things about reading or listening to books, is the access at to financial gurus locally and internationally, making it a great starting point for anybody looking to reset their finances in 2025.

Here are Grant-Clarke’s top-five picks that have impacted her financial journey:

1. ‘Rich Dad, Poor Dad’ by Robert Kiyosaki

The author shares the stories of two father figures – his own dad, who was educated in Ivy League universities but struggled with money, and his friend’s dad, who dropped out of school but became very rich. Although Grant-Clarke is an advocate for formal education, her major takeaway was that a good education doesn’t guarantee financial success.

“Instead, one’s mindset is a better determinant of success. Our beliefs about money can hold us back or help us thrive. This book is ideal for anyone who wants to expand their mindset about money and investing,” she further explained.

2. ‘Think and Grow Rich’ by Napoleon Hill

Regarded by many as the “Bible of success,” this book collects insights from over 500 successful people who came from tough beginnings. The main point is that changing your mindset and following specific steps can lead to wealth.

“The key takeaway is that anyone can be successful if they change how they think; that means even if you are from humble beginnings, like me, you can have financial success if you shift your mindset,” shared Grant-Clarke.

Moreover, the financial coach outlined the practical tools detailed in the book are the ones she uses personally and shares with her clients.

3. ‘The Richest Man in Babylon’ by George Clason

Clason uses simple stories from ancient Babylon to teach us about saving and building wealth. One important lesson is that “a part of all you earn is yours to keep”, which means saving at least 10 per cen of what you earn before spending any of it. This principle is also known as “paying yourself first”.

“This habit can help you build a strong financial future and underscores the principle of prioritising your goals. This book offers straightforward wisdom, making it easy for anyone to understand,” the financial coach highlighted, adding that it remains a go-to for her, even today.

4. ‘The Cashflow Quadrant’ by Robert Kiyosaki

In this book, Kiyosaki explains four ways people earn money: employee, self-employed, business owner, and investor. He argues that real wealth comes from owning a business and making smart investments, not just working for a pay cheque.

For Grant-Clarke, the key takeaway to building lasting wealth does not begin with the hours an individual works. Rather, individuals should create systems to generate income. This principle fuelled Clarke’s bold move to become an entrepreneur in 2022. Since then she has shared some of these principles with her clients as a financial coach.

5. ‘The Psychology of Money’ by Morgan Housel

The book explores how our backgrounds shape our attitudes toward money. Like many Jamaicans who have defied the odds of poverty, it is easy to get caught up with finally getting “the good things them.”

“The author encourages us to see that money is not just for buying nice things but it can help us gain better control of our lives and time,” the financial coach noted.

It is therefore important to have a solid money plan and stick to it for long-term success, rather than just enjoying the glitz and glam of today. Kaycier confessed that this book helped her to understand her feelings about money and to build a healthier relationship with it.

“It’s a great read, especially for those who did not grow up with money, as those beliefs, habits and feelings can shape your current relationship with your money,” she said.

“Whether you’re starting your financial journey or looking to deepen your understanding, these titles can guide you toward a brighter financial future.”

Committed to continuous learning

When not reading a book, Grant-Clarke can often be found researching, attending seminars, and participating in industry-related learning programmes, driven by her quest for continuous learning.