1 00:00:00,680 --> 00:00:01,000 Speaker 1: Hello. 2 00:00:01,560 --> 00:00:05,040 Speaker 2: My name's Santasha Nabananga Bamblet. I'm a proud yr the 3 00:00:05,160 --> 00:00:08,760 Speaker 2: Order KERNI Whoalbury and a waddery woman. And before we 4 00:00:08,840 --> 00:00:11,479 Speaker 2: get started on She's on the Money podcast, I would 5 00:00:11,520 --> 00:00:14,520 Speaker 2: like to acknowledge the traditional custodians of the land of 6 00:00:14,560 --> 00:00:18,680 Speaker 2: which this podcast is recorded on a wondery country, acknowledging 7 00:00:18,720 --> 00:00:22,600 Speaker 2: the elders, the ancestors and the next generation coming through 8 00:00:23,079 --> 00:00:27,159 Speaker 2: as this podcast is about connecting, empowering, knowledge sharing and 9 00:00:27,240 --> 00:00:30,600 Speaker 2: the storytelling of you to make a difference for today 10 00:00:31,080 --> 00:00:32,640 Speaker 2: and lasting impact for tomorrow. 11 00:00:33,320 --> 00:00:34,120 Speaker 1: Let's get into it. 12 00:00:34,920 --> 00:00:39,120 Speaker 3: She's on the Money, She's on the Money. 13 00:00:58,600 --> 00:01:02,680 Speaker 1: Hello and welcome. I'm Victoria Devine, the owner of several 14 00:01:02,720 --> 00:01:05,160 Speaker 1: successful businesses, and I am joined by one of the 15 00:01:05,200 --> 00:01:09,440 Speaker 1: hardest working side hustlers I know. It is Jess Gorici. Hello, 16 00:01:09,840 --> 00:01:12,080 Speaker 1: welcome back to the show. You excited. I thank you 17 00:01:12,080 --> 00:01:13,880 Speaker 1: for having me back. I feel like this one could 18 00:01:13,920 --> 00:01:16,840 Speaker 1: have been written by you, because Jess, the community have 19 00:01:16,920 --> 00:01:19,039 Speaker 1: been a little bit pervy and have been asking how 20 00:01:19,080 --> 00:01:22,080 Speaker 1: I manage my time within the businesses, and I feel 21 00:01:22,120 --> 00:01:24,440 Speaker 1: like that is a very fair question because sometimes I 22 00:01:24,440 --> 00:01:27,160 Speaker 1: don't even know how I manage my time. You might 23 00:01:27,280 --> 00:01:30,080 Speaker 1: humble me a few times throughout this and be like Victoria, 24 00:01:30,120 --> 00:01:32,920 Speaker 1: that's aspirational. You say you do that, but it's in 25 00:01:32,920 --> 00:01:35,480 Speaker 1: your calendar and it never happens. So feel free to 26 00:01:35,640 --> 00:01:38,640 Speaker 1: pull me up on that, because I feel like authenticity 27 00:01:38,760 --> 00:01:41,280 Speaker 1: is important here. But I'm going to give a little 28 00:01:41,280 --> 00:01:44,040 Speaker 1: bit of insight today on where I put my focus 29 00:01:44,080 --> 00:01:46,360 Speaker 1: and how I do things to keep myself on track 30 00:01:46,440 --> 00:01:48,680 Speaker 1: and keep my team in order and still grow a 31 00:01:48,720 --> 00:01:52,360 Speaker 1: business while I think still having a balanced and lovely life. 32 00:01:52,920 --> 00:01:54,920 Speaker 4: I love that. I think it'll be super helpful and 33 00:01:55,000 --> 00:01:57,600 Speaker 4: really insightful for everybody who maybe wants to do that 34 00:01:57,640 --> 00:01:58,560 Speaker 4: for themselves someday. 35 00:01:58,680 --> 00:02:01,280 Speaker 1: Now, I really want to start by saying, obviously this 36 00:02:01,360 --> 00:02:04,200 Speaker 1: is going to look very different. Yes, we all have 37 00:02:04,760 --> 00:02:07,720 Speaker 1: you know this is a Beyonce quote, right, everyone has 38 00:02:07,760 --> 00:02:10,520 Speaker 1: the same twenty four hours in the days Beyonce. No, 39 00:02:11,560 --> 00:02:14,520 Speaker 1: I hate that. But how I manage my time now 40 00:02:15,080 --> 00:02:18,720 Speaker 1: is incredibly different to how I managed my time when 41 00:02:18,760 --> 00:02:20,720 Speaker 1: I was first starting out. So I kind of want 42 00:02:20,760 --> 00:02:22,800 Speaker 1: to break this up and do it in like three parts. 43 00:02:23,160 --> 00:02:25,560 Speaker 1: So like the starting phase, how did I manage my time? 44 00:02:25,639 --> 00:02:28,960 Speaker 1: Then the growing phase, and then a more established phase, 45 00:02:28,960 --> 00:02:32,000 Speaker 1: which we're currently in now, because I think it's very unfair, 46 00:02:32,440 --> 00:02:35,160 Speaker 1: especially in the business Bible community where we talk so 47 00:02:35,320 --> 00:02:39,040 Speaker 1: often about you know, authenticity and transparency, Like I can 48 00:02:39,080 --> 00:02:40,919 Speaker 1: be super transparent. I can tell you about my week 49 00:02:41,000 --> 00:02:44,880 Speaker 1: right now, it involves getting a pedicure, Jess like slay, 50 00:02:45,040 --> 00:02:47,640 Speaker 1: I've worked so hard to get to this point, but 51 00:02:47,680 --> 00:02:49,880 Speaker 1: that's not going to help you grow or change or 52 00:02:50,280 --> 00:02:53,160 Speaker 1: you know, justify the hard work that you're putting in. 53 00:02:53,360 --> 00:02:56,280 Speaker 1: And you go, well, I can't just start living the 54 00:02:56,360 --> 00:03:00,440 Speaker 1: exact same life that Victoria's living because that would make sense. 55 00:03:00,520 --> 00:03:03,880 Speaker 1: Like that's ridiculous. And don't get me wrong, I understand 56 00:03:03,919 --> 00:03:06,560 Speaker 1: the privilege. It is quite aspirational. When I like put 57 00:03:06,639 --> 00:03:08,160 Speaker 1: it down on paper, I'm like, oh wow, I have 58 00:03:08,200 --> 00:03:10,080 Speaker 1: achieved a lot and I'm really proud of it. But 59 00:03:10,120 --> 00:03:12,880 Speaker 1: I also worked really hard to get here. So I 60 00:03:12,919 --> 00:03:16,320 Speaker 1: think there's going to be a few different parts and 61 00:03:16,480 --> 00:03:18,560 Speaker 1: this is the only way I can think of doing 62 00:03:18,600 --> 00:03:20,680 Speaker 1: it that makes the most sense, gives you, guys, the 63 00:03:20,680 --> 00:03:23,600 Speaker 1: transparency and the authenticity that I think you deserve. 64 00:03:23,919 --> 00:03:25,800 Speaker 4: Yeah, and I think as well, you know, there are 65 00:03:25,800 --> 00:03:28,120 Speaker 4: a lot of people who are probably starting up their 66 00:03:28,160 --> 00:03:30,360 Speaker 4: business while they work another job, and so I think 67 00:03:30,520 --> 00:03:32,640 Speaker 4: looking at it in those kind of three stages that 68 00:03:32,639 --> 00:03:34,760 Speaker 4: you were talking about will be really helpful because no 69 00:03:34,800 --> 00:03:36,800 Speaker 4: matter where you are in your business journey, if you're 70 00:03:36,800 --> 00:03:39,680 Speaker 4: listening right now, hopefully you can get some little tips 71 00:03:39,720 --> 00:03:40,520 Speaker 4: and tricks to help you out. 72 00:03:40,560 --> 00:03:43,240 Speaker 1: All right, So let's dive straight in. Let's talk about 73 00:03:43,240 --> 00:03:46,720 Speaker 1: the starting phase. Let's go back to when I had 74 00:03:46,800 --> 00:03:50,040 Speaker 1: started Zella, and then She's On the money came along. 75 00:03:50,320 --> 00:03:52,560 Speaker 1: I feel like, there's my babies when I took about them. 76 00:03:52,960 --> 00:03:55,200 Speaker 1: I don't know how I did it, Like, I don't 77 00:03:55,200 --> 00:03:59,840 Speaker 1: know how I wasn't institutionalized. That's probably not helpful, No, no, 78 00:03:59,840 --> 00:04:02,880 Speaker 1: not Yeah, okay, let's dive into it. So at the 79 00:04:03,000 --> 00:04:06,320 Speaker 1: time that I was starting Zella, it came up as 80 00:04:06,320 --> 00:04:08,640 Speaker 1: an opportunity because I was already working in a wealth 81 00:04:08,680 --> 00:04:11,600 Speaker 1: practice and I knew that I wanted my own thing, 82 00:04:11,640 --> 00:04:14,520 Speaker 1: and I had been discussing with the director there, like 83 00:04:14,640 --> 00:04:17,160 Speaker 1: how do I do this and also do that? And 84 00:04:17,200 --> 00:04:19,520 Speaker 1: it meant a lot of extra hours because obviously I 85 00:04:19,560 --> 00:04:23,440 Speaker 1: couldn't build my wealth practice on his watch because he 86 00:04:23,560 --> 00:04:25,560 Speaker 1: still paid me for thirty eight hours a week to 87 00:04:25,800 --> 00:04:28,520 Speaker 1: run his business. But in addition, to that. I was 88 00:04:28,560 --> 00:04:31,640 Speaker 1: finishing my MBA, so I was doing I would say, 89 00:04:31,680 --> 00:04:34,799 Speaker 1: an accelerated MBA. I think that's what it is actually called. 90 00:04:35,240 --> 00:04:38,320 Speaker 1: But I was doing six units each and every single semester, 91 00:04:38,440 --> 00:04:40,680 Speaker 1: as opposed to four, which normal people would do. 92 00:04:40,800 --> 00:04:42,279 Speaker 4: What does that look like in terms of hours? 93 00:04:42,360 --> 00:04:44,520 Speaker 1: Roughly a lot of hours. So I think about thirty 94 00:04:44,520 --> 00:04:46,880 Speaker 1: hours a week. It's what I was doing, and I 95 00:04:46,960 --> 00:04:48,719 Speaker 1: was going to UNI three or four nights a week 96 00:04:48,760 --> 00:04:51,120 Speaker 1: after work. A day in the life would look like 97 00:04:51,160 --> 00:04:55,200 Speaker 1: me getting up ridiculously early. I also had an obsession 98 00:04:55,240 --> 00:04:57,880 Speaker 1: with fitness at the time, so I would get up 99 00:04:57,880 --> 00:05:00,839 Speaker 1: at like four thirty five am the gym. I'd have 100 00:05:00,880 --> 00:05:03,760 Speaker 1: my bullet coffee. What the hell, please don't go down 101 00:05:03,760 --> 00:05:07,040 Speaker 1: that route, because I thought that's what all successful people did. Yeah, 102 00:05:07,080 --> 00:05:11,440 Speaker 1: and you've probably heard me absolutely shit all over that now, 103 00:05:11,520 --> 00:05:14,719 Speaker 1: because I'm like, ah, that's actually not an indicator of success. 104 00:05:14,720 --> 00:05:16,560 Speaker 1: Why did I, as a smart person, even think. 105 00:05:16,440 --> 00:05:18,279 Speaker 4: That if I'm being up at four thirty in the morning, 106 00:05:18,320 --> 00:05:19,720 Speaker 4: I am not succeeding in my book? 107 00:05:19,760 --> 00:05:23,000 Speaker 1: Yes, yeah, I am failing miserably. Yeah No, absolutely not 108 00:05:23,040 --> 00:05:25,320 Speaker 1: if I'm up before fall thirty. It was an accident now, 109 00:05:25,960 --> 00:05:29,080 Speaker 1: or someone's paying me a lot of money, yes, Jess, 110 00:05:29,120 --> 00:05:33,680 Speaker 1: you and I would begrudgingly getting up still. So I 111 00:05:33,720 --> 00:05:35,479 Speaker 1: was getting up really early, going to the gym, and 112 00:05:35,560 --> 00:05:38,080 Speaker 1: I would be at my desk by six thirty or seven. 113 00:05:38,480 --> 00:05:40,400 Speaker 1: And I had the privilege of being allowed to work 114 00:05:40,400 --> 00:05:43,240 Speaker 1: on my business prior to business hours starting at nine am, 115 00:05:43,279 --> 00:05:45,680 Speaker 1: so nine till five, So I would either be at 116 00:05:45,680 --> 00:05:48,600 Speaker 1: my desk working on my business at work, or I 117 00:05:48,640 --> 00:05:51,320 Speaker 1: would be at my desk working on UNI assignments. And 118 00:05:51,400 --> 00:05:54,000 Speaker 1: I often found that the time between seven and nine 119 00:05:54,040 --> 00:05:57,680 Speaker 1: it was like a nice time block of going, Okay, 120 00:05:57,720 --> 00:06:00,000 Speaker 1: I've got two hours to smash out whatever i'd prepare 121 00:06:00,240 --> 00:06:02,760 Speaker 1: the night before, and you know, get an assignment done, 122 00:06:02,920 --> 00:06:05,440 Speaker 1: or you know, at UNI, a lot of your assignments 123 00:06:05,440 --> 00:06:07,520 Speaker 1: are about a thousand words. And I remember in my head, 124 00:06:07,560 --> 00:06:09,159 Speaker 1: I was like, okay, I can smash out a thousand 125 00:06:09,200 --> 00:06:11,840 Speaker 1: words in two hours, and that's just how my brain worked. 126 00:06:11,880 --> 00:06:13,880 Speaker 1: I'd be like, yep, cool, can time block that. But 127 00:06:14,080 --> 00:06:17,760 Speaker 1: every single thing that I did was in my calendar, 128 00:06:18,120 --> 00:06:21,880 Speaker 1: so the gym, the coffee, the shower, literally the time 129 00:06:21,920 --> 00:06:24,200 Speaker 1: that I needed for UNI, because if it wasn't scheduled, 130 00:06:24,240 --> 00:06:27,320 Speaker 1: it wasn't happening, and Jess, as you know, I have 131 00:06:27,400 --> 00:06:30,880 Speaker 1: adhd yes and you guys nowadays are like v we 132 00:06:30,960 --> 00:06:32,680 Speaker 1: reminded you of that three weeks ago, and I'm like 133 00:06:33,240 --> 00:06:37,000 Speaker 1: beh because I'm the worst at taking my medication. But 134 00:06:37,040 --> 00:06:41,920 Speaker 1: back then, I was very medicated because otherwise nothing would 135 00:06:41,920 --> 00:06:45,160 Speaker 1: get done and I didn't have any support. I'd work 136 00:06:45,160 --> 00:06:48,000 Speaker 1: my nine to five job. I would usually eat at 137 00:06:48,040 --> 00:06:50,360 Speaker 1: my desk. I used to order you foods all the time. 138 00:06:50,440 --> 00:06:53,719 Speaker 1: I barely ever left the office to eat because to me, 139 00:06:53,800 --> 00:06:55,679 Speaker 1: that was an hour that I could use to either 140 00:06:55,720 --> 00:06:58,160 Speaker 1: work on a UNI assignment or work on my business 141 00:06:58,720 --> 00:07:01,440 Speaker 1: five five point thirty K. Sometimes i'd have to work late, 142 00:07:01,480 --> 00:07:03,680 Speaker 1: that would be fine, but UNI always started at six, 143 00:07:04,040 --> 00:07:06,760 Speaker 1: so I'd be at UNI by six and I would 144 00:07:06,760 --> 00:07:09,440 Speaker 1: have another U foods to eat at UNI, usually cold 145 00:07:09,440 --> 00:07:12,880 Speaker 1: because like the other side of the campus had the microwaves, 146 00:07:13,160 --> 00:07:16,360 Speaker 1: so like Yollo, eat cold dinner. This all good, and 147 00:07:16,560 --> 00:07:19,160 Speaker 1: UNI would usually go to nine or ten PM. I'd 148 00:07:19,200 --> 00:07:21,640 Speaker 1: then go home and get ready for work the next day. 149 00:07:21,720 --> 00:07:25,560 Speaker 1: So usually the start of my week. It really depended 150 00:07:25,600 --> 00:07:27,720 Speaker 1: on what I was doing and how I was doing it. 151 00:07:28,520 --> 00:07:31,040 Speaker 1: Like with Unique, sometimes it would be like Monday, Wednesday, Friday. 152 00:07:31,200 --> 00:07:33,080 Speaker 1: Sometimes it would be the first three days of the week. 153 00:07:33,120 --> 00:07:35,680 Speaker 1: Sometimes it'd be the first four, it depended, And I 154 00:07:35,800 --> 00:07:38,840 Speaker 1: always jumped at the opportunity to do what they call 155 00:07:38,920 --> 00:07:43,000 Speaker 1: intensive units. So I remember having the offer. You know, 156 00:07:43,120 --> 00:07:45,160 Speaker 1: you'd do your four units as usual, but you could 157 00:07:45,160 --> 00:07:49,040 Speaker 1: pick up two intensive units each semester, and you were 158 00:07:49,080 --> 00:07:52,600 Speaker 1: able to do them in a four day like super course. 159 00:07:52,800 --> 00:07:54,960 Speaker 1: So you would take a Monday and a Friday off work, 160 00:07:55,080 --> 00:07:57,640 Speaker 1: or it would happen over like Christmas, holidays or Easter 161 00:07:57,880 --> 00:08:01,320 Speaker 1: or something, and you would do all twelve weeks of 162 00:08:01,400 --> 00:08:05,320 Speaker 1: content in four days, including all of your assignments. Like 163 00:08:05,360 --> 00:08:08,040 Speaker 1: it sounds it's great, but lack. That sounds crazy, but 164 00:08:08,160 --> 00:08:10,600 Speaker 1: it's relatively normal. Like if you've done an MBA, you 165 00:08:10,680 --> 00:08:13,800 Speaker 1: know that that exists. It's not actually that unhinged. But 166 00:08:13,840 --> 00:08:17,040 Speaker 1: you do four full days. But it is really time 167 00:08:17,080 --> 00:08:20,200 Speaker 1: intensive because every day you would have an assignment due. 168 00:08:20,200 --> 00:08:22,480 Speaker 1: So on the first day you do full day of content, 169 00:08:22,640 --> 00:08:25,200 Speaker 1: finish at like six pm, go home, write your assignments, 170 00:08:25,200 --> 00:08:27,840 Speaker 1: submit it, come back for the next day, and you 171 00:08:27,880 --> 00:08:31,320 Speaker 1: would break up all of those units across four days, 172 00:08:31,320 --> 00:08:33,960 Speaker 1: and then that fourth day would basically be exam day, 173 00:08:34,120 --> 00:08:37,520 Speaker 1: so you'd have four eight twelve units across three days 174 00:08:37,920 --> 00:08:40,319 Speaker 1: and then an exam and like finishing up your assignments 175 00:08:40,360 --> 00:08:43,400 Speaker 1: or a group assignment on the fourth day. I think 176 00:08:43,440 --> 00:08:45,199 Speaker 1: I ended up being able to do my MBA in 177 00:08:45,360 --> 00:08:48,400 Speaker 1: just under two years because of that, which is very helpful. 178 00:08:49,080 --> 00:08:51,920 Speaker 1: The second I stopped doing my MBA, kind of they 179 00:08:52,000 --> 00:08:54,800 Speaker 1: crossed over, but not really like I enrolled while doing 180 00:08:54,840 --> 00:08:58,160 Speaker 1: my MBA to do my finance diploma, so did that 181 00:08:58,280 --> 00:09:01,640 Speaker 1: as well. Again much because it was online and it 182 00:09:01,640 --> 00:09:05,480 Speaker 1: could be like self paced, but just time consuming. Weekends 183 00:09:05,480 --> 00:09:09,160 Speaker 1: were spent working on union assignments or actually working on 184 00:09:09,240 --> 00:09:11,760 Speaker 1: my business. It was the only time I had. I 185 00:09:11,800 --> 00:09:13,880 Speaker 1: feel like a lot of people will look at it 186 00:09:13,920 --> 00:09:16,360 Speaker 1: and go, well, that's not worth it. Cool, it might 187 00:09:16,400 --> 00:09:18,040 Speaker 1: not be to you. Like that was what I was 188 00:09:18,080 --> 00:09:20,720 Speaker 1: wildly passionate about at the time. And I was willing 189 00:09:20,760 --> 00:09:23,320 Speaker 1: to sacrifice family time, and I was willing to sacrifice 190 00:09:23,360 --> 00:09:26,520 Speaker 1: friends time. And you know, there are so many holidays 191 00:09:26,600 --> 00:09:28,680 Speaker 1: that my girlfriend's got to go on together that I 192 00:09:28,760 --> 00:09:30,960 Speaker 1: ultimately had to say no to. There are so many 193 00:09:31,200 --> 00:09:34,760 Speaker 1: brunches I didn't go to, and friend gatherings and sports 194 00:09:34,800 --> 00:09:37,480 Speaker 1: and social things that I didn't get to do because 195 00:09:37,520 --> 00:09:40,160 Speaker 1: that's how I was choosing to build my business, and 196 00:09:40,240 --> 00:09:43,199 Speaker 1: all of that happened. But yes, I built Zella on 197 00:09:43,240 --> 00:09:46,840 Speaker 1: the side once the NBA stuff had finished, I obviously 198 00:09:46,920 --> 00:09:50,080 Speaker 1: was really really wildly passionate about it. And She's on 199 00:09:50,120 --> 00:09:53,240 Speaker 1: the Money came up and She's on the Money used 200 00:09:53,240 --> 00:09:55,400 Speaker 1: to be lunch and learn sessions. So I used to 201 00:09:55,480 --> 00:09:59,800 Speaker 1: run these lunch and learn sessions at different law firms, 202 00:10:00,080 --> 00:10:03,240 Speaker 1: different big corporates to hopefully get some clients from my 203 00:10:03,320 --> 00:10:06,280 Speaker 1: new business, Zella, because like, you can't just steal my 204 00:10:06,400 --> 00:10:09,760 Speaker 1: current works clients, I'd have to get new ones. So 205 00:10:09,800 --> 00:10:11,880 Speaker 1: I ran these lunch and lann sessions and realized I 206 00:10:11,960 --> 00:10:14,000 Speaker 1: really wanted to work with women, so I was like, 207 00:10:14,320 --> 00:10:16,040 Speaker 1: let's call it, She's on the money. So I think 208 00:10:16,080 --> 00:10:18,600 Speaker 1: I was doing those in twenty fifteen, twenty sixteen, and 209 00:10:18,640 --> 00:10:21,920 Speaker 1: it was just basic financial literacy, and yeah, it kind 210 00:10:21,920 --> 00:10:24,240 Speaker 1: of like snowballed from there and over time, I think 211 00:10:24,240 --> 00:10:27,760 Speaker 1: it wasn't till twenty seventeen, twenty eighteen that I thought, 212 00:10:28,160 --> 00:10:30,000 Speaker 1: why not give this hole She's on the money like 213 00:10:30,120 --> 00:10:33,360 Speaker 1: thinger go and created a Facebook group. It was more 214 00:10:33,440 --> 00:10:35,280 Speaker 1: so I could connect with the people that went to 215 00:10:35,320 --> 00:10:40,760 Speaker 1: my workshops and I would have a curriculum inside that 216 00:10:41,320 --> 00:10:43,560 Speaker 1: Facebook Jess and I every week would be like, all right, 217 00:10:43,600 --> 00:10:46,240 Speaker 1: so this week on Monday, We're talking about superannuation and 218 00:10:46,320 --> 00:10:49,040 Speaker 1: on Wednesday, I'm going to drop a superannuation activity. And 219 00:10:49,120 --> 00:10:53,000 Speaker 1: like it was all very structured, yeah, and so time consuming, 220 00:10:53,440 --> 00:10:55,679 Speaker 1: but that is what I would do. And then from 221 00:10:55,760 --> 00:10:58,040 Speaker 1: one thing and this will be a longer story, just 222 00:10:58,080 --> 00:11:00,800 Speaker 1: to like frame where we started. I supper, Sorry, Jess, 223 00:11:01,480 --> 00:11:04,440 Speaker 1: we started there. And then I remember the day it 224 00:11:04,520 --> 00:11:07,000 Speaker 1: hit seventeen hundred people in that Facebook group and I 225 00:11:07,040 --> 00:11:10,439 Speaker 1: was like, this is wild, like we're talking twenty nineteen. Yeah, 226 00:11:10,480 --> 00:11:12,480 Speaker 1: And I asked the group, I said, what do you 227 00:11:12,520 --> 00:11:13,760 Speaker 1: want me to do? Like how do I make this 228 00:11:13,880 --> 00:11:17,560 Speaker 1: more approachable? Like what content can I create? And they said, 229 00:11:18,240 --> 00:11:20,520 Speaker 1: we really want you to create video content? Can you 230 00:11:20,559 --> 00:11:23,480 Speaker 1: like start a YouTube? Which is funny now because I 231 00:11:23,520 --> 00:11:28,520 Speaker 1: said absolutely not. I'm never going on video hipocrite by 232 00:11:28,760 --> 00:11:31,800 Speaker 1: Irony exactly. And one thing led to another and decided 233 00:11:31,840 --> 00:11:35,200 Speaker 1: to do a podcast instead felt less scary and I 234 00:11:35,240 --> 00:11:37,880 Speaker 1: think that is written in the wall. The podcast kind 235 00:11:37,920 --> 00:11:39,720 Speaker 1: of blew up and I realized that that needed a 236 00:11:39,720 --> 00:11:42,040 Speaker 1: lot more love. And then, you know, because of the 237 00:11:42,080 --> 00:11:44,760 Speaker 1: podcast and because of the community in my Facebook group, 238 00:11:44,840 --> 00:11:47,160 Speaker 1: my wealth business started to grow and I got quote, 239 00:11:47,160 --> 00:11:50,040 Speaker 1: real clients and got to go out on my own 240 00:11:50,080 --> 00:11:52,520 Speaker 1: and do those things. And it's not so that you 241 00:11:52,600 --> 00:11:55,560 Speaker 1: guys can go, wow, she's really disciplined and sacrificed so 242 00:11:55,720 --> 00:11:58,360 Speaker 1: much like I was just wildly passionate about it. And 243 00:11:58,400 --> 00:12:00,880 Speaker 1: then Zella and She's on the Money of grew together, 244 00:12:01,600 --> 00:12:06,000 Speaker 1: and then ultimately, you know, grew the business, started hiring people, 245 00:12:06,160 --> 00:12:09,760 Speaker 1: and then you know, created these two teams of people 246 00:12:09,800 --> 00:12:11,360 Speaker 1: that could support me so that I could take a 247 00:12:11,360 --> 00:12:13,920 Speaker 1: bit of pressure off myself. Yeah, when it came to 248 00:12:13,960 --> 00:12:16,080 Speaker 1: the hours that I was putting in. And then in 249 00:12:16,320 --> 00:12:19,679 Speaker 1: September twenty twenty two, made the decision that in the future, 250 00:12:19,720 --> 00:12:21,160 Speaker 1: I really did want to have a family and I 251 00:12:21,200 --> 00:12:22,920 Speaker 1: did want to have a life, and I wanted some 252 00:12:23,080 --> 00:12:26,360 Speaker 1: balance back, and I sold that wealth business and started 253 00:12:26,679 --> 00:12:29,520 Speaker 1: just doing mortgage broking, which was a very small component 254 00:12:29,600 --> 00:12:32,640 Speaker 1: of Zella at the time, and grew that and also 255 00:12:32,800 --> 00:12:35,520 Speaker 1: just kept growing Cheese on the money. So that's the 256 00:12:35,600 --> 00:12:36,440 Speaker 1: starting phase. 257 00:12:37,040 --> 00:12:40,839 Speaker 4: Crazy, it sounds like a lot of hard work, That's 258 00:12:40,920 --> 00:12:41,440 Speaker 4: what I. 259 00:12:41,360 --> 00:12:43,120 Speaker 1: Said at the start, not sure if I should have 260 00:12:43,120 --> 00:12:44,520 Speaker 1: been institutionalized. 261 00:12:44,800 --> 00:12:45,160 Speaker 3: Yeah. 262 00:12:45,200 --> 00:12:47,040 Speaker 4: I feel like starting a business sounds like such a 263 00:12:47,120 --> 00:12:49,240 Speaker 4: dream in your head when you think about it, this 264 00:12:49,360 --> 00:12:53,520 Speaker 4: far away concept that people don't necessarily understand the legwork 265 00:12:53,559 --> 00:12:55,560 Speaker 4: that you have to do to start until you're. 266 00:12:55,400 --> 00:12:56,000 Speaker 1: In the thick of it. 267 00:12:56,080 --> 00:12:58,640 Speaker 4: And I think for you, you had a pretty good trajectory 268 00:12:58,760 --> 00:13:01,720 Speaker 4: that not all small businesses have. Like you had so 269 00:13:01,840 --> 00:13:05,600 Speaker 4: much opportunity, Yeah, really rapid compounded growth. And you know 270 00:13:05,640 --> 00:13:08,199 Speaker 4: you were saying that kind of twenty nineteen phase we 271 00:13:08,559 --> 00:13:10,960 Speaker 4: started doing sheetes on the money, and then by twenty twenty, 272 00:13:11,080 --> 00:13:12,840 Speaker 4: you know, the Facebook group, the podcast, did it all 273 00:13:12,880 --> 00:13:13,360 Speaker 4: taken off? 274 00:13:13,480 --> 00:13:15,600 Speaker 1: Yeah, And that's unheard of. And I feel so lucky 275 00:13:15,800 --> 00:13:17,720 Speaker 1: that I was in the right space at the right time. 276 00:13:17,760 --> 00:13:20,400 Speaker 1: And I think also we need to preface this. We're 277 00:13:20,400 --> 00:13:23,080 Speaker 1: talking about my journey. We're not talking about what's expected 278 00:13:23,120 --> 00:13:24,959 Speaker 1: of you. Like Jess, if you said I want to 279 00:13:25,000 --> 00:13:27,760 Speaker 1: start my own business, is it worth doing what you did? 280 00:13:27,800 --> 00:13:30,840 Speaker 1: They I would go, you need to seriously consider whether 281 00:13:30,880 --> 00:13:33,800 Speaker 1: it is or not, Yeah, because for most people it's not. Yeah, 282 00:13:33,800 --> 00:13:34,400 Speaker 1: And it's very. 283 00:13:34,320 --> 00:13:36,360 Speaker 4: Different, and I think it's more and more people are 284 00:13:36,360 --> 00:13:38,439 Speaker 4: out there. There's more and more competition, and it is 285 00:13:38,720 --> 00:13:40,760 Speaker 4: partly what you're doing and how you meet you are 286 00:13:40,800 --> 00:13:43,200 Speaker 4: and partly what tim do you have and what you do, 287 00:13:43,360 --> 00:13:45,040 Speaker 4: and so that can be really hard. 288 00:13:45,840 --> 00:13:47,920 Speaker 1: Sorry to cut you off there again. I think it 289 00:13:47,960 --> 00:13:52,160 Speaker 1: also needs to be pointed out very clearly. It's been 290 00:13:52,200 --> 00:13:55,200 Speaker 1: mentioned once already, but like I do have ADHD, I 291 00:13:55,320 --> 00:13:57,719 Speaker 1: hyper focus on things. Yeah, when I have a B 292 00:13:57,880 --> 00:14:00,280 Speaker 1: in my bonnet, it is like nobody else, like you've 293 00:14:00,320 --> 00:14:01,839 Speaker 1: seen it in the business, Like you just think I'm 294 00:14:01,840 --> 00:14:05,000 Speaker 1: insane sometimes, like the amount of times that our team 295 00:14:05,320 --> 00:14:08,560 Speaker 1: tries to peg me back because you go the what's 296 00:14:08,600 --> 00:14:10,880 Speaker 1: it going to be? Like are you going to do this, 297 00:14:10,880 --> 00:14:12,920 Speaker 1: this or this? And I go I'm doing it all 298 00:14:12,960 --> 00:14:16,439 Speaker 1: and you guys go, no, that is actually unreasonable, we 299 00:14:16,640 --> 00:14:19,920 Speaker 1: cannot deliver that, And I go, oh, yeah, okay, sorry, 300 00:14:20,000 --> 00:14:23,920 Speaker 1: Like I have had to really reset my expectations about 301 00:14:23,960 --> 00:14:26,600 Speaker 1: what I expect from other people. And I think that 302 00:14:26,800 --> 00:14:30,320 Speaker 1: you know, we're on the same page now, but historically 303 00:14:30,360 --> 00:14:33,280 Speaker 1: I'd be like, well, I can do forty fifty sixty 304 00:14:33,320 --> 00:14:35,520 Speaker 1: seventy hour weeks. Why can't you? Yeah, Like, why aren't 305 00:14:35,520 --> 00:14:37,320 Speaker 1: you as passionate about my business as I am, and 306 00:14:37,400 --> 00:14:41,320 Speaker 1: you cannot expect that from other people, but I expected 307 00:14:41,320 --> 00:14:45,240 Speaker 1: it from myself, and that's where burnout happens one hundred percent. 308 00:14:45,440 --> 00:14:47,960 Speaker 4: I think even with just freelancing for me, you know, 309 00:14:48,000 --> 00:14:50,800 Speaker 4: you have to spend the time researching what works and 310 00:14:50,880 --> 00:14:53,560 Speaker 4: putting the time into finding the right clients and the 311 00:14:53,600 --> 00:14:55,840 Speaker 4: management and the relationships, and I think there are so 312 00:14:55,920 --> 00:14:58,000 Speaker 4: many little things that take up the time. And if 313 00:14:58,000 --> 00:15:01,160 Speaker 4: you're someone who, like both you and I, are working 314 00:15:01,160 --> 00:15:03,280 Speaker 4: a full time job and trying to start or do 315 00:15:03,360 --> 00:15:04,720 Speaker 4: something on the side to give you a bit of 316 00:15:04,720 --> 00:15:07,640 Speaker 4: extra money, I think what you were saying about having 317 00:15:07,680 --> 00:15:11,200 Speaker 4: reasonable expectations on yourself is so important because if you 318 00:15:11,240 --> 00:15:13,920 Speaker 4: are doing those ninety hour weeks like what you were doing, 319 00:15:13,960 --> 00:15:16,400 Speaker 4: it's a miracle that you didn't, you know, end up 320 00:15:16,480 --> 00:15:18,000 Speaker 4: incredibly unwell or I did. 321 00:15:18,080 --> 00:15:21,800 Speaker 1: I ended up in hospital with shingles. Yeah, well, it's 322 00:15:21,840 --> 00:15:25,120 Speaker 1: not a flex That is an indicator that I had 323 00:15:25,120 --> 00:15:29,800 Speaker 1: burnt myself out. And I fully believe that I could 324 00:15:29,840 --> 00:15:32,080 Speaker 1: have built Zella and she's on the money over a 325 00:15:32,080 --> 00:15:35,320 Speaker 1: longer timeframe that you know, was more sustainable for my 326 00:15:35,440 --> 00:15:39,280 Speaker 1: physical and mental health and was healthier. But I didn't 327 00:15:39,360 --> 00:15:41,640 Speaker 1: because I didn't know any different and I just had 328 00:15:41,680 --> 00:15:43,320 Speaker 1: to be in my bonnet and I wanted to get 329 00:15:43,360 --> 00:15:45,680 Speaker 1: it done. And that's a part of my personality as well, 330 00:15:45,680 --> 00:15:48,040 Speaker 1: and I think that that's why I'm like, oh, like 331 00:15:48,920 --> 00:15:51,120 Speaker 1: when this topic came up and we're talking about you know, 332 00:15:51,240 --> 00:15:53,520 Speaker 1: lots of people are asking about how I manage my time. 333 00:15:54,080 --> 00:15:57,920 Speaker 1: I felt really awful being asked that because I look 334 00:15:57,920 --> 00:15:59,640 Speaker 1: at it and I go, that was not how to 335 00:15:59,680 --> 00:16:01,920 Speaker 1: manage your time. That was not yes, did I get 336 00:16:01,920 --> 00:16:04,960 Speaker 1: where I needed to go, but like at what cost? Yeah, 337 00:16:05,000 --> 00:16:06,960 Speaker 1: at the cost of a lot of friendships, at the 338 00:16:06,960 --> 00:16:09,920 Speaker 1: cost of a lot of experiences, at the cost of 339 00:16:10,240 --> 00:16:14,720 Speaker 1: a relationship at the time, like so much went absolutely 340 00:16:14,720 --> 00:16:17,280 Speaker 1: in the bin because I was so set on what 341 00:16:17,440 --> 00:16:19,720 Speaker 1: was going on, and it was kind of like, you know, 342 00:16:19,840 --> 00:16:22,360 Speaker 1: twenty one, twenty twenty two. I was like, this is 343 00:16:22,400 --> 00:16:25,120 Speaker 1: not sustainable, and like you were around for that, you 344 00:16:25,160 --> 00:16:27,040 Speaker 1: worked for Shees on the money. I remember coming in 345 00:16:27,080 --> 00:16:29,680 Speaker 1: one day and being like I think I'm going to 346 00:16:29,720 --> 00:16:32,880 Speaker 1: sell Zella wealth and you were like wait what And 347 00:16:33,120 --> 00:16:34,880 Speaker 1: I was like, I just can't keep this up and 348 00:16:34,880 --> 00:16:36,920 Speaker 1: you were like, Babe, I've been telling you that for 349 00:16:36,960 --> 00:16:39,280 Speaker 1: a long time, and like, who said this? Because that 350 00:16:39,440 --> 00:16:44,640 Speaker 1: was me? So I think it's so important to you know, obviously, 351 00:16:44,680 --> 00:16:47,040 Speaker 1: work hard if the reward is worth it and you 352 00:16:47,120 --> 00:16:50,480 Speaker 1: see the value in it, because I think that it 353 00:16:50,600 --> 00:16:54,200 Speaker 1: is so genuine to love what you do. But I 354 00:16:54,240 --> 00:16:56,360 Speaker 1: do not believe the concept that you know, if you 355 00:16:56,400 --> 00:16:57,680 Speaker 1: love what you do, you never work a day in 356 00:16:57,680 --> 00:16:59,640 Speaker 1: your life. No, no, no, I worked really hard. I 357 00:16:59,680 --> 00:17:02,600 Speaker 1: love what I do, but I definitely worked. I never 358 00:17:02,600 --> 00:17:05,920 Speaker 1: felt like I haven't worked. In fact, I'm the type 359 00:17:05,960 --> 00:17:09,960 Speaker 1: of personality who craves work like I would go insane 360 00:17:10,359 --> 00:17:12,400 Speaker 1: if you weren't giving me tasks and things to think 361 00:17:12,440 --> 00:17:15,120 Speaker 1: about and work to do. Like this whole maternity leave 362 00:17:15,200 --> 00:17:18,359 Speaker 1: thing drives me up the wall. Like hate the idea 363 00:17:18,400 --> 00:17:20,080 Speaker 1: that I'm going to be pulled away from my business. 364 00:17:20,520 --> 00:17:22,640 Speaker 1: Love the idea that I'm starting a family and want 365 00:17:22,680 --> 00:17:25,840 Speaker 1: to give that the time and energy it deserves. At 366 00:17:25,880 --> 00:17:28,800 Speaker 1: the same time as knowing I have so many competing 367 00:17:28,840 --> 00:17:31,320 Speaker 1: priorities and this love for my shoes on the money, 368 00:17:31,320 --> 00:17:33,359 Speaker 1: community and the business I'm building and the staff that 369 00:17:33,400 --> 00:17:35,679 Speaker 1: I have that I don't want to be away from it, 370 00:17:35,960 --> 00:17:38,720 Speaker 1: at the same time as going victoria. If you don't 371 00:17:38,720 --> 00:17:41,520 Speaker 1: step out of this business for at least twelve weeks. 372 00:17:41,960 --> 00:17:44,399 Speaker 1: You're gonna regret it when that baby is older. Yeah, 373 00:17:44,440 --> 00:17:47,760 Speaker 1: so I think it's about value. But I guess let's 374 00:17:47,800 --> 00:17:50,000 Speaker 1: go to a really quick break because when we get back, 375 00:17:50,040 --> 00:17:51,919 Speaker 1: I'm going to chat more about I guess, how to 376 00:17:51,960 --> 00:17:56,199 Speaker 1: manage your time effectively during a growth phase. And then 377 00:17:56,280 --> 00:17:59,240 Speaker 1: let's chat about managing your time in an established phase 378 00:17:59,280 --> 00:18:01,800 Speaker 1: and what were life balance actually looks like for me now, 379 00:18:01,840 --> 00:18:03,399 Speaker 1: because I promise it's so much better. 380 00:18:07,960 --> 00:18:10,560 Speaker 4: All right, everybody, we're back, and next on the list 381 00:18:10,720 --> 00:18:13,480 Speaker 4: is to chat about the growth phase. So you've worked 382 00:18:13,520 --> 00:18:16,000 Speaker 4: through your startup phase, maybe you've taken the jump into 383 00:18:16,080 --> 00:18:20,200 Speaker 4: employing your first employee. 384 00:18:19,000 --> 00:18:19,960 Speaker 1: On the money employee. 385 00:18:20,000 --> 00:18:21,640 Speaker 4: I know, how fun, what a throwback. 386 00:18:21,840 --> 00:18:24,760 Speaker 1: You're lucky. I'd had some experience with some other employees before, 387 00:18:24,800 --> 00:18:27,639 Speaker 1: and you were like the little guinea pig. Yes, you 388 00:18:27,720 --> 00:18:29,760 Speaker 1: were the first she's on the money employee. 389 00:18:29,840 --> 00:18:33,280 Speaker 4: That's so exciting. And I guess what was that like 390 00:18:33,400 --> 00:18:36,200 Speaker 4: for you stepping from the space of like being by 391 00:18:36,240 --> 00:18:39,479 Speaker 4: yourself and doing your ninety hour weeks to you know, 392 00:18:39,480 --> 00:18:42,800 Speaker 4: stepping into managing time with other people there to support you, 393 00:18:42,880 --> 00:18:44,000 Speaker 4: but also to manage. 394 00:18:44,160 --> 00:18:47,280 Speaker 1: Yeah, it was a lot, and I was young and diluted, 395 00:18:47,600 --> 00:18:49,359 Speaker 1: so I thought it was great at the time. But 396 00:18:49,480 --> 00:18:52,080 Speaker 1: the first team I built was the Zella team, and 397 00:18:52,200 --> 00:18:54,080 Speaker 1: at the time I did have a business partner, so 398 00:18:54,080 --> 00:18:56,320 Speaker 1: it was a little bit easier to grow it, but 399 00:18:56,400 --> 00:18:58,320 Speaker 1: there was a lot of responsibility. And that was my 400 00:18:58,400 --> 00:19:01,760 Speaker 1: first quote big team we had of nearly thirty and 401 00:19:02,640 --> 00:19:05,639 Speaker 1: I was so worried. Like all the time, I was 402 00:19:05,680 --> 00:19:08,840 Speaker 1: consistently anxious because I'd be like, well, how am I 403 00:19:08,880 --> 00:19:11,800 Speaker 1: meant to be in this position? And they know I 404 00:19:11,840 --> 00:19:14,520 Speaker 1: own the business, but I'm also half their age, and 405 00:19:14,640 --> 00:19:17,480 Speaker 1: I'm also, you know, not nearly as experienced, and it's 406 00:19:17,520 --> 00:19:18,960 Speaker 1: kind of like a fake it till you make it, 407 00:19:19,000 --> 00:19:21,520 Speaker 1: but also fake it because you can't have people see 408 00:19:21,560 --> 00:19:23,760 Speaker 1: that you're not capable. Yeah, so there was a lot 409 00:19:23,760 --> 00:19:27,000 Speaker 1: of pressure that I guess put on myself during that phase, 410 00:19:27,720 --> 00:19:32,120 Speaker 1: and it's beautiful and I don't wish to change anything. 411 00:19:32,280 --> 00:19:34,960 Speaker 1: I think that the leader I am today is a 412 00:19:35,040 --> 00:19:37,920 Speaker 1: much different leader to the leader I was back then. 413 00:19:38,280 --> 00:19:39,879 Speaker 1: I'm sure that there are people that I could have 414 00:19:39,880 --> 00:19:42,119 Speaker 1: done better by. I'm sure there are situations that I 415 00:19:42,119 --> 00:19:45,119 Speaker 1: could have managed better. I think there are things that 416 00:19:45,640 --> 00:19:47,480 Speaker 1: you know, I lost along the way that I didn't 417 00:19:47,480 --> 00:19:49,080 Speaker 1: have to lose, but I didn't know how not to 418 00:19:49,119 --> 00:19:51,920 Speaker 1: lose them at that point. And I think during growth 419 00:19:51,920 --> 00:19:53,960 Speaker 1: phase that's where all the learning happens. It's not just 420 00:19:54,000 --> 00:19:56,320 Speaker 1: your business growing, it's you growing because you've never done 421 00:19:56,320 --> 00:19:59,400 Speaker 1: this before and you don't know what's right or wrong, 422 00:19:59,480 --> 00:20:03,119 Speaker 1: and ultimate there is no right or wrong. So hiring 423 00:20:03,119 --> 00:20:06,320 Speaker 1: our first employee was overwhelming. Thankfully, I was well supported 424 00:20:06,359 --> 00:20:09,200 Speaker 1: and had like a lawyer that drew up our employment 425 00:20:09,280 --> 00:20:12,160 Speaker 1: contract and what that would look like. And at the time, 426 00:20:12,280 --> 00:20:14,680 Speaker 1: we were doing payroll internally, so I'd have to work 427 00:20:14,720 --> 00:20:17,760 Speaker 1: all of that out. And you know, it was a lot. 428 00:20:18,000 --> 00:20:20,720 Speaker 1: Opening an office is a lot, like you know, not 429 00:20:20,840 --> 00:20:22,880 Speaker 1: to get into the nitty gritty of it, but officers 430 00:20:23,000 --> 00:20:27,159 Speaker 1: are so expensive to manage, like to run. You have 431 00:20:27,480 --> 00:20:29,800 Speaker 1: not only the rent on the office, but you have 432 00:20:29,960 --> 00:20:32,240 Speaker 1: all of the overheads. You have a fit out. You 433 00:20:32,280 --> 00:20:35,120 Speaker 1: then have ongoing maintenance costs. We had to pay a cleaner. 434 00:20:35,480 --> 00:20:38,520 Speaker 1: We were then stocking the fridge. All of those little 435 00:20:38,560 --> 00:20:40,440 Speaker 1: things that add up. You go, oh my gosh, there's 436 00:20:40,440 --> 00:20:42,520 Speaker 1: no milk in the fridge for coffee and tea. Oh 437 00:20:42,640 --> 00:20:45,040 Speaker 1: let's get a coffee machine. Oh my gosh. All right, 438 00:20:45,080 --> 00:20:46,680 Speaker 1: so now we have a coffee machine, but because of 439 00:20:46,720 --> 00:20:49,680 Speaker 1: its volume of usage, it needs to be serviced every month. 440 00:20:49,720 --> 00:20:52,240 Speaker 1: And like, oh, we want the you know, foyer of 441 00:20:52,280 --> 00:20:55,200 Speaker 1: our office to be really nice. Let's get some plants. 442 00:20:55,320 --> 00:20:58,280 Speaker 1: Maintenance of plants. Like, it's just stuff that adds up, 443 00:20:58,280 --> 00:21:01,159 Speaker 1: and not everybody has these expenses. When I decided to 444 00:21:01,200 --> 00:21:04,439 Speaker 1: go get rid of a business partner, get rid of 445 00:21:04,480 --> 00:21:07,480 Speaker 1: all of that and start from scratch on my own, 446 00:21:07,640 --> 00:21:10,480 Speaker 1: having to do that again on my own was really overwhelming. 447 00:21:11,000 --> 00:21:13,520 Speaker 1: And then I guess I was in the privileged position 448 00:21:13,520 --> 00:21:15,679 Speaker 1: where that was a really black and white bread and 449 00:21:15,720 --> 00:21:19,480 Speaker 1: butter business, right, Like it's financial advice. We did accounting, 450 00:21:19,520 --> 00:21:22,359 Speaker 1: and then we didn't, and then we were doing mortgage broking. 451 00:21:22,720 --> 00:21:25,680 Speaker 1: That is such a basic business and I won't say 452 00:21:25,680 --> 00:21:28,120 Speaker 1: basics in dumb it down business, but that's a pre 453 00:21:28,200 --> 00:21:32,199 Speaker 1: existing business model, Jess. It exists, right, like you know, 454 00:21:32,240 --> 00:21:35,080 Speaker 1: the mortgage broking businesses exist. I could spend so long 455 00:21:35,160 --> 00:21:39,360 Speaker 1: on Google studying other people's websites, their organizational structures, having 456 00:21:39,359 --> 00:21:41,440 Speaker 1: a look at their LinkedIn, seeing who got hired first, 457 00:21:41,520 --> 00:21:44,919 Speaker 1: who did they prioritize networking in the industry, talking to 458 00:21:44,920 --> 00:21:47,080 Speaker 1: people about well, what did you prioritize? How did you 459 00:21:47,480 --> 00:21:49,960 Speaker 1: do this? In this growth phase? This is where I 460 00:21:50,080 --> 00:21:52,920 Speaker 1: needed the mentors that I had the most. I feel 461 00:21:52,920 --> 00:21:55,879 Speaker 1: like in that really startup phase, I had blinkers on. 462 00:21:55,920 --> 00:21:58,720 Speaker 1: I didn't want other people's opinions. But the second I 463 00:21:58,800 --> 00:22:01,960 Speaker 1: started to have to have bigger responsibilities like staff, I 464 00:22:02,000 --> 00:22:04,880 Speaker 1: was like, well, I better get back on this mentor thing, 465 00:22:04,920 --> 00:22:08,520 Speaker 1: because like, they've done it before. So for me, hiring 466 00:22:08,520 --> 00:22:11,399 Speaker 1: my first employee inside Zella was not as scary as 467 00:22:11,480 --> 00:22:12,000 Speaker 1: hiring you. 468 00:22:12,520 --> 00:22:13,320 Speaker 4: That's so interesting. 469 00:22:13,720 --> 00:22:17,240 Speaker 1: I really liked you. I'm just still here, like what 470 00:22:17,359 --> 00:22:19,920 Speaker 1: nearly four years later, so kudos for putting up with me. 471 00:22:20,760 --> 00:22:23,680 Speaker 1: But she's on the money was such a different business model. 472 00:22:23,720 --> 00:22:25,960 Speaker 1: I didn't know anybody else who was running a media 473 00:22:26,000 --> 00:22:29,159 Speaker 1: podcasting business. I didn't know what that would look like, 474 00:22:29,320 --> 00:22:32,280 Speaker 1: or how that would grow, or is it worth biting 475 00:22:32,280 --> 00:22:34,840 Speaker 1: the bullet and paying this amount because there wasn't any 476 00:22:34,920 --> 00:22:38,800 Speaker 1: direct ROI because with a mortgage broker, I worked on 477 00:22:38,800 --> 00:22:41,320 Speaker 1: a three times multiple, so I'd be like, all, right, 478 00:22:41,359 --> 00:22:44,560 Speaker 1: of their income, thirty percent goes to the business and growth, 479 00:22:44,600 --> 00:22:47,199 Speaker 1: thirty percent should be profit and thirty percent should be 480 00:22:47,240 --> 00:22:49,920 Speaker 1: overheads that I pay the stuff. That's how I would 481 00:22:49,960 --> 00:22:52,040 Speaker 1: work it out, and I go all right, so taking 482 00:22:52,119 --> 00:22:54,840 Speaker 1: all of that into consideration, this is what they should 483 00:22:54,880 --> 00:22:57,200 Speaker 1: be paid, and this is what they should be earning 484 00:22:57,240 --> 00:23:01,080 Speaker 1: for the business. Yeah, there was direct You earn X 485 00:23:01,160 --> 00:23:03,520 Speaker 1: and I pay you Y, and that is a deal 486 00:23:04,400 --> 00:23:06,840 Speaker 1: with you. We've never had financial targets. 487 00:23:06,920 --> 00:23:07,240 Speaker 4: Yeah. 488 00:23:07,440 --> 00:23:10,399 Speaker 1: Obviously now do partnerships and do do a lot of 489 00:23:10,440 --> 00:23:15,040 Speaker 1: financial things, but we've never had those targets because media 490 00:23:15,080 --> 00:23:17,359 Speaker 1: and podcasting are so different. It's not like I can 491 00:23:17,400 --> 00:23:19,600 Speaker 1: treat you like a mortgage broker and be like, yes, 492 00:23:19,680 --> 00:23:21,760 Speaker 1: this role is very black and white. You go out, 493 00:23:21,840 --> 00:23:24,159 Speaker 1: this are your sales targets, and this is what you 494 00:23:24,200 --> 00:23:26,920 Speaker 1: get paid. And if you wake way more sales targets, 495 00:23:26,960 --> 00:23:29,560 Speaker 1: then you get paid more. But it's not mortgage broking. 496 00:23:30,080 --> 00:23:31,960 Speaker 1: So I think that that, to me, was one of 497 00:23:32,000 --> 00:23:36,080 Speaker 1: the hardest things, and in that growth phase it was 498 00:23:36,440 --> 00:23:39,280 Speaker 1: really challenging, and we made a few mistakes. We hired 499 00:23:39,320 --> 00:23:41,560 Speaker 1: people that were like, Loop, this isn't a good fit, 500 00:23:42,040 --> 00:23:45,080 Speaker 1: and I think you've got to grow through what you 501 00:23:45,200 --> 00:23:48,679 Speaker 1: go through. So to me, yes, it was good, but Also, 502 00:23:48,800 --> 00:23:50,760 Speaker 1: this is the stage where the pressure started to be 503 00:23:50,840 --> 00:23:54,719 Speaker 1: taken off because I had people that I trusted to 504 00:23:54,760 --> 00:23:56,720 Speaker 1: do the things that I was doing. It was hard. 505 00:23:57,000 --> 00:24:00,480 Speaker 1: I don't know if you remember how controlling was. Yeah, 506 00:24:00,520 --> 00:24:02,880 Speaker 1: I didn't want to let go of anything. 507 00:24:02,920 --> 00:24:05,800 Speaker 4: I'm glad we've worked through that now, but I. 508 00:24:05,760 --> 00:24:07,560 Speaker 1: Didn't want to let go. But once I learned how 509 00:24:07,600 --> 00:24:09,760 Speaker 1: to let go, I was like, that's why she's here, 510 00:24:09,760 --> 00:24:11,880 Speaker 1: because she's better at it than New Victoria. 511 00:24:12,000 --> 00:24:14,199 Speaker 4: And what was your time like during that period? 512 00:24:14,640 --> 00:24:16,920 Speaker 1: Very busy because I feel like you are switched on 513 00:24:17,000 --> 00:24:19,600 Speaker 1: twenty four hours a day still because you're trying to 514 00:24:19,640 --> 00:24:21,879 Speaker 1: grow a business and you know, make sure Jess is 515 00:24:21,880 --> 00:24:24,199 Speaker 1: happy and then do any hire another Jess? And what 516 00:24:24,240 --> 00:24:26,840 Speaker 1: does this look like? But there was a lot less 517 00:24:26,960 --> 00:24:29,680 Speaker 1: pressure because you're not setting things up for the first time, 518 00:24:29,720 --> 00:24:32,720 Speaker 1: you're not working out your accounting system. At this point, 519 00:24:33,040 --> 00:24:35,240 Speaker 1: I did a really big review of my business and 520 00:24:35,320 --> 00:24:37,480 Speaker 1: realized that there were a lot of things I should 521 00:24:37,520 --> 00:24:40,119 Speaker 1: be outsourcing. So that was the point at which I 522 00:24:40,160 --> 00:24:42,600 Speaker 1: was like, Okay, well, how many hours a week am 523 00:24:42,640 --> 00:24:45,760 Speaker 1: I wasting or using on lots of different things? And 524 00:24:45,800 --> 00:24:50,679 Speaker 1: I time tracked my hours. I think for a month, 525 00:24:51,440 --> 00:24:54,080 Speaker 1: every hour of the day was allocated for And then 526 00:24:54,119 --> 00:24:56,680 Speaker 1: I did a big review and I worked out how 527 00:24:56,720 --> 00:24:58,880 Speaker 1: long it was taking me to do payroll, how long 528 00:24:58,880 --> 00:25:00,800 Speaker 1: it was taking me to do a CA counting. And 529 00:25:00,840 --> 00:25:03,199 Speaker 1: I went through and I printed out my outlook. I 530 00:25:03,280 --> 00:25:05,800 Speaker 1: like screenshot it and printed out the outlook and like 531 00:25:05,880 --> 00:25:08,399 Speaker 1: used different color highlighters as I went through, and was like, 532 00:25:08,560 --> 00:25:10,800 Speaker 1: all right, well that's an admin task. That's an admin task. 533 00:25:10,840 --> 00:25:13,280 Speaker 1: And that was how I worked out that we needed 534 00:25:13,280 --> 00:25:17,280 Speaker 1: another admin. But also what could we outsource far out 535 00:25:17,760 --> 00:25:20,359 Speaker 1: was actually taking me fifteen to twenty hours a month 536 00:25:20,640 --> 00:25:24,520 Speaker 1: to do payroll and bookkeeping and all of the reconciliations 537 00:25:24,560 --> 00:25:27,879 Speaker 1: for our bank accounts. And I went, that's a waste 538 00:25:27,920 --> 00:25:30,840 Speaker 1: of my time because that's working in the business, not 539 00:25:30,920 --> 00:25:32,480 Speaker 1: on the business, like at the end of the day. 540 00:25:32,480 --> 00:25:34,280 Speaker 1: That's a task that needs to be done every month. 541 00:25:34,760 --> 00:25:37,359 Speaker 1: That's when we hired a bookkeeper. And I thought, okay, 542 00:25:37,359 --> 00:25:40,520 Speaker 1: well that's a good use of time because that gives 543 00:25:40,520 --> 00:25:43,240 Speaker 1: me another fifteen hours a month to grow the business. Yeah, 544 00:25:43,320 --> 00:25:46,280 Speaker 1: so I think that time blocking and it sounds really lame. 545 00:25:46,280 --> 00:25:49,160 Speaker 1: I would just like every night go back through because 546 00:25:49,160 --> 00:25:51,840 Speaker 1: I didn't do it as we're going, I'd go through 547 00:25:51,880 --> 00:25:54,280 Speaker 1: my calendar and be like, all right, well, between ten 548 00:25:54,320 --> 00:25:56,480 Speaker 1: and ten thirty, oh what did I do? I did this, 549 00:25:56,760 --> 00:25:59,159 Speaker 1: And between eleven and twelve I did this, and like, 550 00:25:59,200 --> 00:26:01,320 Speaker 1: I blocked it all in. And then after a month, 551 00:26:01,359 --> 00:26:03,919 Speaker 1: I printed four pages and I went through and I 552 00:26:04,000 --> 00:26:08,320 Speaker 1: highlighted the tasks that could be handed off without impacting 553 00:26:08,320 --> 00:26:10,720 Speaker 1: the business. And that's where we started to grow a 554 00:26:10,760 --> 00:26:13,639 Speaker 1: lot more. But it also helped me to understand what 555 00:26:13,720 --> 00:26:17,240 Speaker 1: my focus should and shouldn't be, because my job was 556 00:26:17,280 --> 00:26:19,919 Speaker 1: to grow the business, and I think I was lucky 557 00:26:19,960 --> 00:26:23,359 Speaker 1: to know that handing tasks like that over was not 558 00:26:23,400 --> 00:26:26,040 Speaker 1: going to send the business into a spiral. In fact, 559 00:26:26,040 --> 00:26:28,639 Speaker 1: it freed me up to do more content, to go 560 00:26:28,720 --> 00:26:31,880 Speaker 1: from having one podcast a week that we had two 561 00:26:31,960 --> 00:26:34,200 Speaker 1: three plus two other shows. And I think that that's 562 00:26:34,240 --> 00:26:36,200 Speaker 1: where you've got to let go to grow. 563 00:26:37,160 --> 00:26:39,520 Speaker 4: It's such an exciting phase for so many people, but 564 00:26:39,600 --> 00:26:43,840 Speaker 4: I think also very challenging navigating that new and growing space. 565 00:26:44,520 --> 00:26:47,960 Speaker 4: If we think now about heading into the established phase, 566 00:26:48,240 --> 00:26:52,120 Speaker 4: obviously now it be your businesses are totally there, We're 567 00:26:52,240 --> 00:26:54,720 Speaker 4: all set up, were very solid. Can you walk us 568 00:26:54,800 --> 00:26:57,320 Speaker 4: through your days and your weeks now and how you 569 00:26:57,400 --> 00:26:58,520 Speaker 4: kind of spend your time. 570 00:26:58,680 --> 00:27:01,040 Speaker 1: Okay, so right now, let's be brutally honest. This is 571 00:27:01,080 --> 00:27:03,919 Speaker 1: a pre recorded episode, and I'm thirty nine weeks pregnant. 572 00:27:04,640 --> 00:27:07,240 Speaker 1: So I'm on Matt Lee. Hi, Hi, I have had 573 00:27:07,240 --> 00:27:09,240 Speaker 1: a baby right now while I'm talking to you. Just 574 00:27:09,440 --> 00:27:10,720 Speaker 1: I don't know if it's boy. I don't know if 575 00:27:10,760 --> 00:27:13,000 Speaker 1: it's girl. You can probably go check socials because that 576 00:27:13,000 --> 00:27:17,280 Speaker 1: would be public information now, but I think that let's 577 00:27:17,280 --> 00:27:19,399 Speaker 1: just pretend it's not today and I'm not super pregnant 578 00:27:19,400 --> 00:27:22,760 Speaker 1: in my feet don't look to like sausages these days. 579 00:27:22,800 --> 00:27:25,600 Speaker 1: It's a lot more relaxed. I feel like I don't 580 00:27:25,600 --> 00:27:27,760 Speaker 1: have nearly as many meetings in my calendar. If you 581 00:27:27,800 --> 00:27:30,080 Speaker 1: looked at my calendar, there might be two or three 582 00:27:30,119 --> 00:27:32,919 Speaker 1: things in my calendar each day, which leaves me a 583 00:27:32,960 --> 00:27:35,359 Speaker 1: lot of time to work on the business and strategize 584 00:27:35,359 --> 00:27:39,320 Speaker 1: and plan and really reinforce the relationships I have in 585 00:27:39,359 --> 00:27:42,120 Speaker 1: the business. A lot of the time, I'm not, you know, 586 00:27:42,280 --> 00:27:45,240 Speaker 1: creating product, because I now have a team that does that, like, 587 00:27:45,320 --> 00:27:48,200 Speaker 1: So to be even more transparent, she's on the money 588 00:27:48,240 --> 00:27:50,680 Speaker 1: now has six full time employees and two I would 589 00:27:50,720 --> 00:27:53,880 Speaker 1: say part time, and Alisa Hi, she's full time employee, 590 00:27:53,880 --> 00:27:57,879 Speaker 1: but not by me, by our podcast studio, and she 591 00:27:58,000 --> 00:28:00,399 Speaker 1: works one hundred percent of her time on she's on 592 00:28:00,440 --> 00:28:02,040 Speaker 1: the money. And then we've got beck who is a 593 00:28:02,040 --> 00:28:04,719 Speaker 1: part time or so there's eight in the team. I 594 00:28:04,760 --> 00:28:06,879 Speaker 1: don't have to script the episodes anymore. That used to 595 00:28:06,920 --> 00:28:09,200 Speaker 1: take me, you know, one or two hours each script, 596 00:28:09,560 --> 00:28:12,080 Speaker 1: and you know, you extrapolate that out how many shows 597 00:28:12,119 --> 00:28:15,000 Speaker 1: we have and how many hours we do of content 598 00:28:15,080 --> 00:28:18,280 Speaker 1: every week, So that's alleviated. I don't have to cut 599 00:28:18,359 --> 00:28:20,800 Speaker 1: up videos any more myself. I don't have to edit 600 00:28:20,800 --> 00:28:23,480 Speaker 1: the podcast any more myself in my quote spare time. 601 00:28:23,880 --> 00:28:25,840 Speaker 1: I don't have to do any of the social media 602 00:28:25,880 --> 00:28:28,160 Speaker 1: posts because we've got Georgia and she does all of them. 603 00:28:28,640 --> 00:28:31,720 Speaker 1: So I think my time is more spent on the strategy. 604 00:28:31,920 --> 00:28:34,280 Speaker 1: I feel very privileged, but it's like my favorite part. 605 00:28:34,600 --> 00:28:36,560 Speaker 1: Like I get to come in with my ideas and 606 00:28:36,600 --> 00:28:37,919 Speaker 1: you know, I might sit down with you just and 607 00:28:37,920 --> 00:28:39,560 Speaker 1: be like, oh my gosh, I've got this laundry list 608 00:28:39,600 --> 00:28:41,680 Speaker 1: of dream clients and you go, no way is they 609 00:28:41,680 --> 00:28:44,520 Speaker 1: I'm going to work on contracting them and seeing if 610 00:28:44,520 --> 00:28:46,960 Speaker 1: they're interested in working with us and I go wow, 611 00:28:47,000 --> 00:28:49,520 Speaker 1: like that just happens for me, you know. I come 612 00:28:49,560 --> 00:28:51,800 Speaker 1: in and go, hey, Georgia, I've been thinking about this 613 00:28:51,840 --> 00:28:53,960 Speaker 1: new content. I've seen this, this and this. I'd love 614 00:28:53,960 --> 00:28:56,280 Speaker 1: to create something similar. Or I have this really good 615 00:28:56,320 --> 00:28:59,320 Speaker 1: idea about a content series pretty rogue. Can we try it? 616 00:29:00,000 --> 00:29:02,240 Speaker 1: And Georgia and Brooke will do it? So I think 617 00:29:02,280 --> 00:29:05,520 Speaker 1: it's so nice to be I guess in control. I 618 00:29:05,560 --> 00:29:08,120 Speaker 1: still think about it twenty four seven, like this is 619 00:29:08,120 --> 00:29:11,640 Speaker 1: still my baby, but it looks so different like my morning's. 620 00:29:11,880 --> 00:29:14,480 Speaker 1: We're not getting up at four thirty am, Jess. Yeah, 621 00:29:14,520 --> 00:29:16,800 Speaker 1: I get up at six thirty seven with my husband 622 00:29:16,840 --> 00:29:18,920 Speaker 1: and we go for a walk and we get coffee. 623 00:29:19,240 --> 00:29:22,520 Speaker 1: And there's just such a better work life balance now. 624 00:29:23,200 --> 00:29:26,600 Speaker 1: But I genuinely believe I worked for that, like I 625 00:29:26,680 --> 00:29:30,760 Speaker 1: have worked my butt off, and at the time, that's 626 00:29:30,800 --> 00:29:33,280 Speaker 1: not the life I thought I would have. I thought, 627 00:29:33,400 --> 00:29:35,200 Speaker 1: I'm going to be a really big hustle, I'm gonna 628 00:29:35,200 --> 00:29:37,040 Speaker 1: be so rich, I'm going to do this that the 629 00:29:37,120 --> 00:29:40,640 Speaker 1: other like to me, I would look up to people 630 00:29:40,760 --> 00:29:45,400 Speaker 1: like Elon musk Yah, which is disgusting, is so disgusting. 631 00:29:45,480 --> 00:29:47,800 Speaker 1: Do not clip that out and tell anybody, But I 632 00:29:47,800 --> 00:29:49,280 Speaker 1: would look up to them and be like, they are 633 00:29:49,280 --> 00:29:51,400 Speaker 1: so committed to their work. They get up every day 634 00:29:51,400 --> 00:29:53,800 Speaker 1: and like they just make decisions and do this. And 635 00:29:53,840 --> 00:29:56,280 Speaker 1: I just look at it now and I go, am 636 00:29:56,320 --> 00:30:01,040 Speaker 1: I as aggressive about growth as I was? Yeah? No, Like, Jess, 637 00:30:01,200 --> 00:30:02,880 Speaker 1: what do I think of growth? Like, you know, I 638 00:30:02,880 --> 00:30:05,360 Speaker 1: don't want a big team anymore. I feel like I've 639 00:30:05,360 --> 00:30:07,240 Speaker 1: gotten out of that phase. And then I look at 640 00:30:07,280 --> 00:30:09,000 Speaker 1: it again and go, I would much prefer to have 641 00:30:09,120 --> 00:30:12,640 Speaker 1: quality over quantity. Like you might be in a situation 642 00:30:12,680 --> 00:30:14,440 Speaker 1: where you want to build a megabusiness, you might be 643 00:30:14,440 --> 00:30:16,440 Speaker 1: in a situation where you want to build a part 644 00:30:16,480 --> 00:30:19,000 Speaker 1: time business that just has some extra income. Like, We're 645 00:30:19,040 --> 00:30:23,760 Speaker 1: all on different wavelengths. But to me, creating the lifestyle 646 00:30:23,800 --> 00:30:27,280 Speaker 1: that I have today took so long. I wasn't born 647 00:30:27,320 --> 00:30:29,880 Speaker 1: into a family who had intergenerational wealth who could kick 648 00:30:29,880 --> 00:30:32,200 Speaker 1: start my business. I had to work so hard and 649 00:30:32,240 --> 00:30:36,280 Speaker 1: compromise so much to be able to get here. But 650 00:30:36,360 --> 00:30:39,720 Speaker 1: I think that now my focus is just on having 651 00:30:39,760 --> 00:30:43,280 Speaker 1: the resources, giving my team a beautiful work life balance, 652 00:30:43,400 --> 00:30:45,880 Speaker 1: showing them that I care, because the more I care 653 00:30:45,920 --> 00:30:48,040 Speaker 1: about them, the more they give to our community, and 654 00:30:48,080 --> 00:30:51,240 Speaker 1: the more our community thrives. For me, I think it's 655 00:30:51,320 --> 00:30:55,520 Speaker 1: just about focusing on how to make this business as 656 00:30:55,520 --> 00:30:58,520 Speaker 1: sustainable as possible. We had a couple of months ago 657 00:30:58,560 --> 00:31:01,240 Speaker 1: a strategy session with the She's on the Money team, 658 00:31:01,720 --> 00:31:04,080 Speaker 1: and we sat down and we were like, Okay, well, 659 00:31:04,160 --> 00:31:06,520 Speaker 1: what does this look like. How do we introduce additional 660 00:31:06,560 --> 00:31:09,280 Speaker 1: revenue streams to the business so that we can thrive 661 00:31:09,920 --> 00:31:12,320 Speaker 1: and not be so stressed if you know, the podcast 662 00:31:12,320 --> 00:31:14,000 Speaker 1: doesn't work out in a few years, because you never 663 00:31:14,040 --> 00:31:17,000 Speaker 1: know what the world looks like in media. And I 664 00:31:17,000 --> 00:31:19,400 Speaker 1: think that that, to me is just exciting. Now. Yeah, 665 00:31:19,400 --> 00:31:22,239 Speaker 1: because we have created that sustainability and you know as 666 00:31:22,240 --> 00:31:24,600 Speaker 1: well as I do, that we have enough money coming 667 00:31:24,640 --> 00:31:27,480 Speaker 1: in the door to sustain the team, so we can 668 00:31:27,520 --> 00:31:29,640 Speaker 1: try a few different things and see if they fail. 669 00:31:29,760 --> 00:31:32,480 Speaker 1: But I did not have that opportunity at the start. 670 00:31:32,480 --> 00:31:34,720 Speaker 1: I couldn't try something and see if it failed. I 671 00:31:34,760 --> 00:31:37,280 Speaker 1: would have no more money to pay salaries, I would 672 00:31:37,320 --> 00:31:40,840 Speaker 1: have no flexibility. I would be done. So I was 673 00:31:40,880 --> 00:31:42,960 Speaker 1: so conservative at the start. Now we just try things, 674 00:31:43,000 --> 00:31:44,600 Speaker 1: see if they work. If they don't work, we'll just 675 00:31:44,640 --> 00:31:46,080 Speaker 1: delete them and pretend it never happened. 676 00:31:47,120 --> 00:31:50,040 Speaker 4: I think that gives some really good insight into how 677 00:31:50,160 --> 00:31:53,880 Speaker 4: people can look at the trajectory of their business. I 678 00:31:53,960 --> 00:31:57,280 Speaker 4: think staying away from comparison culture is also really important 679 00:31:57,320 --> 00:32:00,480 Speaker 4: and important because yeah, like you said, we all technically 680 00:32:00,480 --> 00:32:01,760 Speaker 4: have the same twenty four hours in the day, but 681 00:32:01,840 --> 00:32:04,840 Speaker 4: we don't have the same opportunities or the same twenty 682 00:32:04,840 --> 00:32:06,680 Speaker 4: four hours as the person next to us. And it's 683 00:32:06,720 --> 00:32:08,960 Speaker 4: easy to look at a business and think that it's 684 00:32:09,000 --> 00:32:11,640 Speaker 4: doing really well, but you don't know the behind the scenes. 685 00:32:11,680 --> 00:32:14,120 Speaker 4: You don't know if somebody is doubling or tripling up 686 00:32:14,120 --> 00:32:15,040 Speaker 4: on their workload or. 687 00:32:15,080 --> 00:32:17,040 Speaker 1: I feel like I used to look at people and 688 00:32:17,080 --> 00:32:20,360 Speaker 1: not understand that. And like I think people still look 689 00:32:20,440 --> 00:32:22,840 Speaker 1: towards us and go, wow, like your work life balance 690 00:32:22,880 --> 00:32:25,600 Speaker 1: is crazy because they see like our work retreats. Yeah, 691 00:32:25,680 --> 00:32:28,040 Speaker 1: of course they look lit. We had the best fun, right, 692 00:32:28,640 --> 00:32:32,160 Speaker 1: but also we did so much hard work on that 693 00:32:32,200 --> 00:32:35,160 Speaker 1: we got through so much content. Like that's the not 694 00:32:35,240 --> 00:32:37,520 Speaker 1: so shiny part that you know, we didn't put on 695 00:32:37,520 --> 00:32:40,400 Speaker 1: socials because we were actually busy working. Yeah, and you 696 00:32:40,480 --> 00:32:42,240 Speaker 1: might look at me and go V's work life balance 697 00:32:42,280 --> 00:32:44,440 Speaker 1: looks so sick. I can't believe she gets up early, 698 00:32:44,640 --> 00:32:46,440 Speaker 1: you know, every morning with her husband goes for a 699 00:32:46,480 --> 00:32:48,800 Speaker 1: walk with their dog and has a lot more flexibility, 700 00:32:48,800 --> 00:32:51,840 Speaker 1: and like, I do have time every three weeks in 701 00:32:51,880 --> 00:32:54,920 Speaker 1: my calendar to get a pedicure because it's important to me. 702 00:32:55,560 --> 00:32:57,120 Speaker 1: But I've worked really hard for that, and I have 703 00:32:57,200 --> 00:32:59,480 Speaker 1: so much support around me, and without that support, I 704 00:32:59,480 --> 00:33:02,600 Speaker 1: could never yeah do that. Yeah, And I think that 705 00:33:02,600 --> 00:33:05,200 Speaker 1: that's where you go, not taking the piss, But I 706 00:33:05,240 --> 00:33:06,720 Speaker 1: did work really hard for this. 707 00:33:06,920 --> 00:33:09,480 Speaker 4: Yeah, one hundred percent. Some people just have more resources 708 00:33:09,480 --> 00:33:11,600 Speaker 4: and more money and more support and just focusing on 709 00:33:11,640 --> 00:33:13,720 Speaker 4: being one percent better every day, I think is something 710 00:33:13,760 --> 00:33:17,080 Speaker 4: that anyone starting their small business journey should really try 711 00:33:17,280 --> 00:33:17,920 Speaker 4: to focus on. 712 00:33:18,360 --> 00:33:18,640 Speaker 1: Agreed. 713 00:33:18,800 --> 00:33:20,920 Speaker 4: Sometimes I feel like trying to grow as a creator, 714 00:33:21,120 --> 00:33:22,600 Speaker 4: you know you don't get there as fast as you 715 00:33:22,640 --> 00:33:25,520 Speaker 4: want to, but you also need to remember, like for me, 716 00:33:25,680 --> 00:33:28,040 Speaker 4: I work full time. I love my job and I 717 00:33:28,080 --> 00:33:30,280 Speaker 4: give a lot to my job, and just because I'm 718 00:33:30,400 --> 00:33:33,240 Speaker 4: not growing as fast as somebody else doesn't mean my 719 00:33:33,360 --> 00:33:35,480 Speaker 4: time is being spent less effectively. 720 00:33:35,640 --> 00:33:35,840 Speaker 2: I know. 721 00:33:35,920 --> 00:33:37,920 Speaker 1: And it's so easy to look at somebody else who 722 00:33:38,240 --> 00:33:40,400 Speaker 1: had a video go viral and blew up overnight and 723 00:33:40,480 --> 00:33:42,080 Speaker 1: you're like, oh, I could have done that. I could 724 00:33:42,120 --> 00:33:43,960 Speaker 1: have done that. Like, I don't know. We do it 725 00:33:44,000 --> 00:33:46,040 Speaker 1: all the time, even if she's on the money. Like 726 00:33:46,080 --> 00:33:48,360 Speaker 1: sometimes you and I be like, hey, we did that 727 00:33:48,400 --> 00:33:50,080 Speaker 1: like a month ago. Why did that then work for 728 00:33:50,120 --> 00:33:53,720 Speaker 1: this person? Yeah? And I think that it's just not helpful. 729 00:33:53,880 --> 00:33:56,240 Speaker 1: It's not constructive. Stay in your own lane, work out 730 00:33:56,240 --> 00:33:58,080 Speaker 1: what you want. I think something that I wish I 731 00:33:58,120 --> 00:34:01,959 Speaker 1: had done earlier in my business journey is really go, well, 732 00:34:02,000 --> 00:34:04,400 Speaker 1: what are my values? What am I trying to create? 733 00:34:04,440 --> 00:34:06,560 Speaker 1: Because I think I was a bit of a bull 734 00:34:06,680 --> 00:34:08,399 Speaker 1: that had seen a red flag and I'm like, I'm 735 00:34:08,400 --> 00:34:09,279 Speaker 1: going to take over the world. 736 00:34:09,680 --> 00:34:10,000 Speaker 2: Men. 737 00:34:10,080 --> 00:34:12,480 Speaker 1: Absolutely not, Like I can work in finance. If a 738 00:34:12,520 --> 00:34:14,359 Speaker 1: boy can do it, I can do it. Like I 739 00:34:14,480 --> 00:34:16,920 Speaker 1: was very aggressive with what I wanted to achieve, and 740 00:34:17,000 --> 00:34:20,239 Speaker 1: let's be honest, that has played into our success. But 741 00:34:20,440 --> 00:34:23,239 Speaker 1: was I super happy? Absolutely not. So I guess that's 742 00:34:23,320 --> 00:34:26,640 Speaker 1: a very very good place to probably leave it. I 743 00:34:26,680 --> 00:34:30,239 Speaker 1: think I've exposed enough of my business today and my 744 00:34:30,360 --> 00:34:32,520 Speaker 1: personal secrets, so let's leave it at that. What do 745 00:34:32,560 --> 00:34:32,920 Speaker 1: you reckon? 746 00:34:33,000 --> 00:34:33,239 Speaker 4: I think? 747 00:34:33,320 --> 00:34:40,040 Speaker 1: So I will see you all on Friday, Bye, guys. Bye? 748 00:34:43,920 --> 00:34:46,440 Speaker 3: Did buy shared on she's on the money is general 749 00:34:46,520 --> 00:34:50,319 Speaker 3: in nature and does not consider your individual circumstances. She's 750 00:34:50,400 --> 00:34:53,880 Speaker 3: on the Money exists purely for educational purposes and should 751 00:34:53,880 --> 00:34:57,080 Speaker 3: not be relied upon to make an investment or financial decision. 752 00:34:57,440 --> 00:34:59,799 Speaker 3: If you do choose to buy a financial product, read 753 00:34:59,840 --> 00:35:03,320 Speaker 3: the PTS TMD and obtain appropriate financial. 754 00:35:02,840 --> 00:35:04,640 Speaker 1: Advice tailored towards your needs. 755 00:35:05,000 --> 00:35:08,920 Speaker 3: Victoria Divine and She's on the Money are authorized representatives 756 00:35:08,960 --> 00:35:11,520 Speaker 3: of Money sherper P t y lt D. A b 757 00:35:11,680 --> 00:35:14,760 Speaker 3: N three two one six four nine two seven seven 758 00:35:14,840 --> 00:35:17,759 Speaker 3: zero eight a f s L four five one two 759 00:35:17,800 --> 00:35:19,400 Speaker 3: eight nine