Flow State Business

How I Actually Manage Money as a CEO

• Ruby Lee

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This week I’m getting honest about financial fluency – the real kind.

Not just income highs or headline months, but what’s actually happening behind the scenes with savings, taxes, debt, and structure.

Whether you’re scaling to six figures or still finding your stride, this episode will shift the way you manage money as a CEO, not just a creator.


 We are officially in November. Guys, I am shook. How did we land in November? And if you are listening to this at a later date, you will know 2025 has felt just so quick and I think it's just gonna keep rolling forward from here. I've got so much to look forward to. Actually, my parents are coming from another state to stay for a couple of weeks.

I am actually flying around the country to meet some of my clients and have some one-on-one in-person days, which is so amazing. I've got my birthday coming up at the end of the month, and then of course December festivities, and I'm so looking forward to it. I just feel like something really exciting and very unexpected and very random and fun and adventurous is gonna unfold.

So that is the vibes. But today I really wanna talk about money. Not just in the usual typical way that I would speak about money, which is like, let's, you know, raise our vibration and let's talk about money mindset. Today I wanna talk about the quotes, real kind of money, that real sort of structure in money, because I've had a lot of conversations with my clients, a lot of my private clients and or high ticket mastermind clients are.

Further along in their journey. I would say then, most that come to me for a lot of my low ticket offers, and I'm talking to those entrepreneurs who are in, you know, my audience. I absolutely also see you guys. I know for the most part, I always talk to those that are starting out and struggling with sales, but a lot of my high ticket conversations are with entrepreneurs who are already making six, multiple six.

Figures, seven figures. I have a client of mine who literally just got like a hundred thousand dollars tax refund. So big numbers like that. So, you know, this is really nice to listen to this sort of conversation too. Also, you know, always in the background. Literally raise your frequency around your money fluency.

Also, at the same time, I wanna speak to those of you who have been in business for a number of years and you just haven't got your money shit together. Now, I'm definitely not going to say like I am an expert with all things money. I hate that I have to say this, but obviously this is not a financial advice, you know, podcast episode.

Fun fact, I actually used to be a financial advisor. I no longer have my license and therefore I am not giving financial advice. But all of this is just me talking about the experiences that I have personally had my personal experiences. But please seek out your own financial advisory. If something I'm saying is of interest to you, raise it with your advisors, you know, and really think about like, how would this fit in with my lifestyle?

Is what she's saying true for me? Is this something that I wanna explore? And the reason why I wanna bring this up is because, you know, I've seen it over and over again. There are a lot of six or seven figure entrepreneurs who make this kind of beautiful level of money flow. You know, even if you're making, let's say, a.

70 K, 80 K, 90 K, that is amazing. But I see too many of clients who come to me saying, it feels like I've got nothing to show for it. And at that point, I would literally say to them, do you actually feel like you've got nothing to show for it because you wanna be further along? Or do you actually not have any assets or any savings to show for it Now?

Unfortunately, I'd say the majority say nothing to show for it. A lot of it gets reinvested back in the business, or a lot of it just sort of gets, uh, I don't know, spent, and they're not quite sure why it's gone so quickly. And I wanna bring light to the fact that you can have launches that look really big online and behind the scenes.

They, you know, a lot of business owners are stressed out of their mind. They are in debt. They are flat out confused about where the money went or how to use the money in a way that feels really good. I also have a lot of entrepreneurial friends in my network and we've had many discussions around the comfort around debt, taking out debt to grow your business.

I had a conversation the other day with some friends and it was funny because they were saying Rubes, it's like really natural for a lot of entrepreneurs to take, you know, a couple of hundred thousand dollars worth of. Business debt and take that into a loan to grow their businesses. And I was on the other end of the scale, you know, very much like shook by that.

Like I do not want a $350,000 loan behind like my business energy every single day. I would rather operate from a place of zero debt. And you can argue both sides. It really comes down to what works for you. If you are a rich dad, poor dad, disciple, he will literally tell you that debt is an excellent choice for entrepreneurs and in fact, absolutely needed.

I do not buy into that. So anyway, today. We definitely wanna focus on all things financial fluency and what it actually means to manage money like a CEO. My experience having run the business for seven years, I have made millions and millions and millions of dollars online and with my financial background, I also have an amazing husband who is even more financially minded than me.

He is. That's literally what he used to do for his day job as a strategy manager. He's very CEO, so we think a lot about. How do we get right with our taxes? First and foremost, how do we get right with our debts, if any? We'll talk about that savings, sustainability of the business and what to do if you are not at those numbers yet, but you want to be, and how to start thinking about numbers in a really sovereign way.

Okay, so I wanna use the example of $50,000 just as a nice chunky amount of money. So, you know, we'll talk about it in increments of 50 K, whether it's 50 K that you earn in your business as a whole for the whole year or a half year, or whether you wanna think about it like a 50 K launch. Okay? So let's start with busting a big myth.

If you ever hear someone online say, I have just had a $50,000 launch, it does not mean that they have now $50,000 sitting in their pocket. Okay? Here's what actually really happens. I'm obviously generalizing here, but if it were me and I had a 50 K launch, which I've done hundreds of times, now 30% goes straight into tax savings.

It's pretty boring if you think about it in, in that way, but I just know having come from the tax world, I definitely do not wanna be caught out with any excess tax bills. 30% goes in, so that works out to be about $15,000 that immediately goes into tax savings. It's a non-negotiable. It's out of sight, out of temptation.

I do not touch it. Out of that, so you know now that that $15,000 is completely locked away. I have $35,000 left and I generally put another 20 to 25% into business expenses. This doesn't mean that I'm spending it. But it's just an allocated amount of money, so you know, it's nice to just have like an extra 10, 12 K sitting there.

This covers the tech. This covers anyone that I am hiring, whether it's someone who's on board all the time. Or whether it's someone who is like my assistant, Deb, for example, she's been on board for years and years now, and her income has fluctuated depending on my needs. But you know, I've just done my, uh, tax p and l and it's, you know, a nice chunk of money that I've put aside that's already paid for, which is amazing.

I don't have to stress about, oh my God, how am I gonna pay my assistant? And how am I gonna tell her I can't pay her this week? Like none of that. She gets paid on time every single week. No argument. She never has to worry. Uh, last year when I had bigger staff expenses, it was definitely very stressful. Oh my gosh.

It was really, really stressful. But we're, we're all good now. Also in terms of business expenses, ads, and basically any tools that keeps our business going. You know, like the small things that you don't even think about, like the Calendly fees, the zoom fees, the Google Drive fees, you know, et cetera. Then whatever is left over from that, it goes into a separate account, which is business savings, and this is basically my lovely cushy.

Pillow runway for any months that maybe might be a little bit slower, like the seasons might be slower. Whether it's intentional, like literally taking two, three weeks off the business to go to Japan and Korea, or if I'm pivoting and I want to change up my niche. Late this year, I wanted to go from high ticket to daily sales and starting with low ticket sales.

So I had already like a six month financial runway that I didn't need to worry about, and therefore it gives me a lot of time to. Experiment and just be, and just, you know, not stress about money ever. Okay. So that's generally speaking, what that looks like and anything that's, you know, kind of like after that, like what's left is your decision money, anything outside of that realm.

So I did 30% into tax savings, 20% into business expenses, 10% into business savings. I can choose to put literally the rest of it. Back into business savings again. Or you might choose to take that out and reinvest it somewhere else. I'll talk about the implications of taking it out of the business side of things, but this is where financial fluency matters so much because without being fluent with your finances, you'll have this big headline number like, oh my God, guys, I just made 50 K and I had an amazing 50,000 launch, but actually you have zero.

Actual wealth being built, and that's heartbreaking to hear. Like I have a lot of entrepreneurial friends who are sitting in. More debt and literally zero savings, and that's just stressful af. Now, that's not to say that they could sell something, sell their brand, sell their list, whatever, and make it all back.

But just sitting in that energy of just every day freaking out that you have to pay all these expenses and it's not building your actual personal joy and wealth and comfort and fulfillment is just not the vibes. It really isn't. And I think. A lot of it comes down to your decision whether or not you wanna choose to be fluent financially, or whether you'd rather just stick with the headline numbers and hope for the best.

Like it's, it's up to you. But this episode is just something that I wanna highlight because I've seen it over and over. You know, entrepreneurs are doing so well. Like we have never lived in a generation. That is thriving more online and the conversations around like a hundred K, 200 K months, million dollar days, it's huge.

It's frozen, it's there and there's evidence of it all around. And yet I have counted on, you know, like, I mean, I've lost count, I should say. It's funny, like there's people I used to follow years and years ago, and they would be saying like, I'm making a hundred thousand dollars months, and then all of a sudden, like they've come back on my feed, you know, years later.

They've done this big, honest, vulnerable post saying I was living a lie. I actually had nothing behind my name and you know, I hated my business. And I burnt it all down to the ground. It's just like, oh, like there's always another story. Okay. Like be wise about who you follow, what they're saying. A lot of us have, you know, we can make a lot of really cool financial decisions just by choosing to spend just as much time focused on our financial health as we do going to the gym, for example.

Okay. But, you know, I just don't want you to be sitting there with this huge, like credit card debt and a story about how business is expensive and how it doesn't make you any money. Because you know, like a lot of it comes down to how you choose to treat it. Because when money comes in, it doesn't. All necessarily belong to you.

It sort of, um, sucks to think about it that way, but I, it just, there's no other way to say it. It belongs to the tax man. You know, it belongs to, you know, companies that help you run your business such as Zoom, and if you pay for. Meta ads or even like the verified tick on meta, it's like $24, $25 USD a month, you know?

But I want you to know that the moment you do take money out of your business, it gets taxed. And in Australia anyway, it gets taxed at your personal rate, and that changes your decision. Like for Michael and I, we don't pay ourselves a salary every single month. We, we don't, we take money out when we need it from the business.

And, but all the other times it just sits in one of those allocated accounts that I was talking about. I just don't bother taking it out just because it's there. And we have the privilege of doing that because our personal expenses are so, so lean. We have zero personal debt, zero, like we own the Mercedes.

We own, we have no credit card debt. Like we put stuff on the credit card for, uh, frequent flyer points, but then we just paid off straight away. Most of our money flows right back into the business. It flows right back into mostly ads at this time, which is great. Or sort of like making sure that our taxes are covered.

'cause when you earn a lot, guess what? Your taxes are super high, really high. So that's okay. There's ways that you can strategize with your tax accountant. We've got an amazing one. Shout out to L and we sit down with L, you know, every quarter and we chat about like, how do we save our taxes once a year?

We do like a tax planning strategy thing, you know? But each to their own. For us financial freedom means that business stays strong and our personal stuff is debt free. And you know where it feels more luxurious doing it that way than taking out a hundred thousand dollars business loan to, I don't know, like drive a nice car on a lease and be on a yacht in Positano.

Like we, we'll do that anyway, but whenever we earn the big months cash months. That just goes straight towards that and not drawing from a debt. Okay. Um, one of the other things that I am quite obsessed about this year, and actually for the last few years, I've, I've said this on and off, but it really just feels like a season of nest egging.

So really building up this like big wealth behind the scenes. And sometimes we forget. How, like, how much wealth we've built because we just operate from what we've earned. Like we are so good at not touching the big wealthy, um, golden eggs, like that's just there, like reinvesting and doing all the cool things.

But yeah, I just wanted to highlight that. One of the things that. As an entrepreneur, we sometimes forget to do this. Not necessarily Michael and I, 'cause we came from the finance industry, but too many of my clients forget to do this and it's investing in your retirement fund again, so bland and boring.

But I had a friend ask me the other day who has run a business for longer than I have, and she's like, do you like pay into your superannuation fund consistently like an employer would. I'm like, abs fucking literally. I do. I would not miss that. And we contribute so consistently. We've been fortunate enough to, in some years, be able to max out our contribution, and we do that because it's tax smart for us and it's our future safety net.

But at the same time, yes, you can argue there's other ways to be better with your money. You can put it into a managed fund. We have that, so I don't wanna like say, oh, all of it goes there and it's locked away till you're retired. But it's just so nice to know that in Australia anyway, it's really hard to touch it really, really hard, like.

Even if you were going through a level of financial hardship, and I know this 'cause I used to be in the compliance and claims team for superannuation. We rejected like more than we actually said yes to. And I think to me that just feels really nice to know it's, it's sitting there and we can get a lot smarter with retirement savings funds.

Like you can actually, this is what I'm looking into for 2026 and 2027, like using that to invest in other ways. But that's just going into a lot of personal strategies. But anyway. To me, this is what real wealth feels like. It's a lot of the time I get asked, right, right at the front end, oh my God. Like, how do you feel abundant making a $27 sale?

And I, I'm sort of like, oh, well it's not that that makes me feel abundant. It's because I have over the years built up a very wealthy, like a safety net that so much so I'm not fussed about the income so much anymore. The regeneration and the multiplication of the wealth in the background. So if that makes sense.

Like and, and because I have that mentality and that sort of detachment from needing this income to constantly happen for me at the front end, because I know that like my retirement savings fund is making me hundreds of thousands of dollars. It kind of makes it feel so magnetic in terms of the way that I message on the front end because it does kind of give off.

Like I don't mind, like I'm not attached to the income amount coming in like a hundred K months because I know I'm making that anyway. So that's the financial fluency because without that structure, money can slip through your fingers and. It feels like you're just trying to hold sand together, and I know a lot of you can relate to that.

So let's switch the conversation across to what if you are not there yet? So up until now I'm speaking to all of my peeps who are been in business for some time, who are constantly earning a nice recurring revenue, or you just know for sure, like every year you go into business and you're gonna make like 250 K, 300 k minimum.

That's a vibe, but that is literally where. You know, Michael and I have been for years and years now, like there's no question about it, but if you don't know really like where to start or you're not there yet in terms of financial fluency, if you are listening and you're thinking like, Hey, like rubs, I'm finding it really hard even to make a sale.

I'm not even making consistent income yet. This conversation absolutely still applies to you. Okay. Lean right in. Financial fluency doesn't start when you hit some magic number, like a 50 K launch or a six figure year. It's got to start right now. And here's where I'd love for you to focus. If you're building from the ground up, I've got five points that I've just scribbled out on my iPad so I don't forget.

So the first one is. I'd love for you to consider opening a separate business bank account. Okay? Like if you don't already have that, what are you doing? We, we need to have a separate biz bank account for many, many reasons. But this, like at, at a very simple level, even if you're making $500 a month, separate the money from your personal, okay?

It creates so much clarity this way, and. This energy of you are respecting your business account and your business money flow. Number two, have a think about your tax savings habit early. Again, even if it's $10 here and $50 there, do not get screwed over every quarter or whenever you do. Your taxes do not get screwed over by the shock of the tax bill.

We live in a world, and unfortunately it's true. There are two things that are certain death and taxes get used to moving a percentage into another account. Build the muscle. Now I have an 18-year-old stepson, and he's just like, now that he's out of school, he's earning a lot more money. We're like, dude, please put 30% away into your managed fund.

You will not even think about it. When you're 21 to 25, you will thank us for this habit, right? Like what we say to our kids in the next generation. I'm saying to you as business owners, as my children, please do that. Please do that. Uh, third one is track what's coming in and out. Hello. I know your head's in the sand.

Can you just shake your head out of the sand for a second? Okay. Seriously, no shame. But you need to understand your patterns, and I've spoken a lot about patterning to my private clients this last week. I have a client who will make a ton of money and literally feel this urge to have to spend it all because it's just too scary to hold that amount of money.

I have another client who. Has recently been made redundant, has a nice big sum of money, and she's just clamping onto it like her whole life depends on it and is not spending a single dollar. And she's literally like her knuckles are turning white and she's freaked out holding it so tightly. So just notice your patterns.

You can start. With a very simple spreadsheet. There's so many financial apps out there. Just go to the app store and have a little look around. We've got some great ones here in Australia, and you can start seeing exactly where you can start adjusting your 1% habits. So if you've read James Clear's Atomic Habits, apply some of those principles there to your financial habits.

I also highly recommend you follow Ladies Finance Club if, especially if you're an Aussie. I know this is very Australian based, I'm sorry, but you know, my finances are mostly managed here. I have a US Bank account and I have a whole other way of managing my US account, but I won't talk about that in this episode.

But definitely have a look at Ladies Finance Club and some other accounts like that. Like there's so many amazing platforms for women to better understand their money. She's on. The Money is also another podcast that you might wanna listen to. Barefoot investor has some okay points to kind of get started.

So have a think about that. Number four, please don't take this one the wrong way because I have swung the other way with this one quite a bit, but I've always come back to this neutral position with it, and that is to delay the shiny investments. And what I mean by this is if you feel that you need a $25,000 website and it'll fix everything.

Or a fancy CRM, like a big, huge system, and you're not even signing clients at the moment. Focus on the revenue first and then reinvest. Don't get all those things kind of like as a initial investment or capital investment into your coaching business when you've not even made a single sale revenue first, and number five, think about how you'd like to pay yourself.

So I mentioned earlier what Michael and I do, very different financial circumstances, but pull intention behind it. Because if not, if the money just lands in your business bank account and then you're transferring that to your personal, then you've got this personal income tax happening as well as your business income tax happening, and it just ends up being double taxed, you know, in one sense.

So think about it. Speak to advisors about this. What does it look like for you to pay yourself responsibly and sustainably? That's all I'm gonna say there, but bring intention behind that conversation. Between you, your business partners, your tax accountant, your bookkeeper, your partners, all the things, the sooner you get in the habit of treating your business like a business, guess what it, even when it's tiny, it becomes easier and easier when you scale.

Rather than like, holy crap, like what do I do now? I've got an income, but then I've got nothing to show for it and I dunno where it's gone. This is how you know where it's gone. Build business savings and be smart with your growth because once your revenue grows, which it will if you are in it with a business mind, but not everybody can grow a business.

Like I've seen amazing, amazing people with huge skill sets and they can't grow a business. And that's when people just realize, hang on, like I need to go back to work. It's too hard to manage the business side of things, but if you are business-minded and you are all in, once your revenue grows, you start to move from earning.

To allocating, and here's how financially fluent entrepreneurs set this up. And this is across the board observations I've made amazing discussions I've had with my friends, what we've done, what my clients have done, that I'm like, damn, that's super, super smart. So there's, there's a couple of things that I would say, like, let's do this, let's look at this.

Okay. So one is always have an emergency business savings fund. Now I started my business with a savings runway of six months, so we had three to six months of expenses covered, and that was so luxurious and the, the best thing about it is. We never had to touch that in the end because we'd grown from such solid ground that we actually didn't even need to think about like touching that we just grew.

And that's just continued to multiply, which is amazing. So if you are in a side hustle situation at the moment, you are maybe like a parent who's wanting to come out of being full-time parent and into business. Give yourself at least three months of savings and that will make a massive difference to your energy.

Okay? Uh, secondly, if you're a tiny bit further along from that, and you've already got your emergency business savings going real well, think about the growth side of things. So we call it our growth fund, and this is for any. Thing that we wanna do for the business, like team hires or any, like a new ad strategy, we can dip into the growth fund and not, and this is like, it sits within savings for sure, but it's just this allocated amount.

Like if we've got, you know, 400,000 sitting in some, like an extra account over here, how much of that do we wanna allocate to a growth fund? Okay. And then also, this is really a little bit further along again, but. Thinking about your investments. So wealth beyond the business. So your property, your shares, your ETFs, other plays that you wanna make.

So this structure keeps you really grounded, even if, let's say the income, like the incoming stuff where my Instagram's not performing and I'm not making many sales, and no one's like come to me for private client work. You are still grounded through the decisions around your financials, behind the scenes, because the truth is like the more that you make, the more important it becomes to handle it wisely.

And you may as well, like from a manifestation perspective, be doing this early on now. You do it first and you make space for it first, and then it flows in. It's like, um, I was listening to, I know I was watching the Kardashians or something, and um, Kim was talking about how she's trying to call in this new man and she's remodeling at the moment and she's like, I just realized I didn't even build a closet for him.

I don't know who he is yet, but what if he moves in and I have nowhere for him to put his stuff. Like I love that whole energy of manifestation. So it's the same with managing your financials. Okay. So really think about, you know, how this works. Now, before we close up, there's one more thing that I'm just gonna continue talking to because.

Maybe this episode you'll, you'll listen to a few times and you'll listen to it at different stages of your financial health, which is really cool. Come back to it, make sure you save it and, uh, it will serve in different ways. But let's talk about what CEOs do to stay wealthy long term. And I've very much like a CEO mindset with money and finances.

I have a very, very clear understanding of how I. Have leveled up my money habits and running a business has really helped me level up my money habits. Before, when I was like working for the man and I had a paycheck every single month, I would like fleet it away and just no idea. Since running a business, I know exactly how it moves, so get to know your numbers.

It was actually one of the first things I learned as a financial planner. Know your numbers, just know where it's going, not roughly. I'm not talking. Oh yeah. Maybe like, uh, like, uh, like, like 10,000 ish around that is uh, yeah. Like how much my business expenses are know it. Exactly. CEOs review cash flow weekly.

When I was working in corporate, I reported to our CEO, so I was the head of, uh, recruitment and, and people, and my direct report was Mark. He was my CEO and I saw him, I actually sat right next to him. Uh, we had this open plan office and they didn't believe in offices, which was cool. So literally was sitting next to the CEO every single day, and his head was always in cashflow spreadsheets.

People would, I would see him, people would come out, I'd listen to his phone calls and he would have that cashflow spreadsheet out, and he would make decisions from data, not from a feeling. So that's what, you know, it's, it's arguable, but he would be like, Hey, I'm in the CEO spot. The data's not data. The numbers aren't numbering, the math ain't nothing.

So the answer is no. You will not be able to do that. It's very powerful to come from that place, especially if you are feeling very um. In your, in your head, if you're feeling very like ungrounded, like airy fairy around money, just try this out. I know. It's just, again, not like an exciting thing to come from where you're just like, look at the numbers.

It's eew, but it works. The other thing that I've really noticed a lot of my CEO buddies do is again, they plan for taxes year round, so. Think about how that's gonna work for you, whether that's like a separate tax account, it's non-negotiable. I've said this throughout the whole episode, you need professional help and get it early.

Like I remember the first accountant I ever hired, I said to him, Dan, I'm gonna earn a million dollars this year. Can you handle that for me? And at the time, I had only made $10K. He laughed. Like he, he laughed pleasantly, but it was definitely a laugh. And I was like, no. I looked him like literally in the eye and I'm like, please tell me you can handle this.

And he is like, I can do that. Yep. And that's again, making space. So I hired even before I really needed one, but it came in so handy. You may need a bookkeeper. We bookkeeper ourselves. Um, it's a pain in the ass, but for some reason we've just hung onto that. It's just easy for us, both Michael and I to manage that.

We have an accountant who's also a tax specialist and you might wanna look at a financial advisor. We don't have one. We are very confident with, you know, how we move things around maybe, uh, every, like once every three years we hire an estate planning, um, solicitor attorney with more of like a tax feel to it, how we manage our trust and all those things.

So that's definitely needed. So it's really. Actually kind of cool to be in the energy of this stuff. Like once you are in it, and let's say you like go to an office and you sit down with your accountant and they show you the numbers, it feels like you, your heart might be like beating out of your chest 'cause it's uncomfortable to look at it.

But I promise you, you are gonna walk out and if you feel disempowered. You are gonna feel like I'm gonna do something about this shit. Like, you know, it kind of motivates you if you come out of this meeting and you feel even more empowered and even clearer. Imagine what that does for your ideas around selling and how you're gonna coach and what you're gonna do for your business.

Like it amplifies everything. Okay. And then lastly, kind of on the income stream side of things, I haven't focused on this too much 'cause this is more about financial fluency and managing your money. But think about how you wanna diversify. So think about. Diversifying in streams, so like your courses, your memberships, your masterminds.

Also think about your wealth streams, your investments, protecting your ip, things like that. And then how you'd like to multiply that and build that stability in that freedom long term. Because financial fluency to me is definitely not about being frugal. Please if he followed me for some time, I am someone who will be in overflow almost every single day.

Let's just say that like I am someone who loves that feeling of overflow. I am not someone who's just like, save $25 on a flight and feel amazing about that. I'm like, whatever. No. But it is about being intentional. Okay. To me, I'm not just making money. I'm building an entire ecosystem, and that ecosystem will continue to echo through generations, and I see the habits that I'm building now, and then I explain it to my kids.

I am hoping that that trickles down. Okay. So there is definitely this sense of, we're in a time where a lot of coaches and mentors and service providers. Make it for a little bit because they're really good at servicing their clients and they're somewhat ish good at selling and getting referrals, but they're not very good at mastering their financial fluency and therefore they go outta business.

You can prevent that. A lot of this might come down to the way you talk about yourself. Again, not leaning too far into the energetics of money in this episode, but please just think about how you are spelling things out for your business. Literally, words are spells you are spelling out. Even if you spell out money that's a spell, think about how you are talking to it and how you're talking to yourself so you can just notice a certain level of conversation that you're having.

So things like. Can I afford this? Can I really make this happen? Can I really dream this big? And instead changing the languaging to, does this align with the plan? Does this align with my future wealth streams? So this way, you're no longer chasing that next dollar to survive or that next launch to survive.

You are actually designing a financial life that you can thrive within. I don't know about you, but that to me is real fulfillment because at every stage of your growth, whether you are just literally trying to put $10 aside to make sure you've got something there for your tax by the end of the year, or whether you're sitting at multiple six figures to become this level of.

Financially fluent, I should say. It gives you something that cannot be bought and that is this sense of feeling, that deep level of stability, groundedness control in, in a great way. Like you are in control. You're not just like loosely being thrown around by the launch wins and like as in, not winds, but like the gust of wind and you just feel so exhausted by the end of it.

So here's the takeaway. I'm gonna close my eyes for this part. I've got my hand on my heart. All right, this is the takeaway, guys. Financial fluency isn't something you just learn once you've made it. Please hear that part. If you are someone who is serious about building a business, and you are serious about serving your people.

Becoming a world renowned coach, mentor, healer, service provider, teacher, digital course creator. The list goes on, build it right now. Build it brick by brick, financially, build it with real power because the big move is not a 50 K launch. The big move could be. Getting rid of your debt and focusing on that because you will feel so much more empowered when you're not owing American Express a chunky amount of interest every month and getting those letters, which is so soul depriving, right?

I want you to know exactly where your money moves, where it's going, because money loves to be told how to serve you. If you are telling money to serve you through paying down interest and debt, it will continue to do that. If you are telling your money to grow your wealth, guess what? It's also going to do that.

So knowing exactly where your money goes makes an important difference in how you speak to money and how it ends up working for you because that's what turns income. Financial independence. Two empowering words. I am financially independent. Can you say that? Can you put your hand on your heart and say that out loud?

Now I'm financially independent. Speak that into your whole body and just let that soak in. You don't need to do anything else, but you're just telling it. You're giving it a command. You are giving your nervous system a command. You're giving your money a command, but you don't need to be too controlling of it.

Just say it. I am financially independent. I'm choosing to build wealth that lasts. Okay, my loves. I hope you enjoyed this episode. Let me know because it's a different kind. Little bit longer as well, but. I knew that I had to sit down and really discuss because I've just had this great meeting with Elle, and she's like, oh my God.

Like, let's do all this stuff with your money. I have really thought about how I wanna grow my nest egg in 2026, why I am so calm about money, why I'm so good with it, and, and how CEOs think about it, how six to seven figure entrepreneurs don't do it well and how others do it amazingly well. Discussions around debt discussions around your risk levels, discussion around wealth, what you can do differently.

So all of this, I hope it has served. Let me know, please, please come over to Instagram. Send me a message and let me know. I love hearing from you guys. I love your questions. I love your follow-up thoughts. It really does, you know, in one sense, help me keep going with the podcast. It makes a huge difference.

And if anything, just slightest little thing. A five star review goes a massively long way. Thank you so much my loves. Hope you have an amazing financially fruitful week, and I will catch you in the next episode.