I know you’re leaving thousands of dollars on the table.
I don't care if you make $40k, $400k, or $4M. And it doesn't matter if you're self-employed or working a traditional 9-5.
Though if you're self-employed I'm willing to bet it's more like TENS of thousands of dollars- more on that later.
How do I know you're leaving real money on the table?
I've worked directly with thousands of clients since 2011.
I continue to work with both small business owners and individuals doing one on one planning and coaching in the group program I run. And I'm a published author and speaker.
This is my life.
Heck, I've spent the last 6 weeks running planning meetings with almost every single one of my private clients (some of my business clients had 2 or 3 meetings) and I ran a 10 hour virtual retreat and two group coaching calls with my Profit 2 Wealth students in the same timeframe.
I know this to be true.
If you are reading this and don't believe you are leaving significant money on the table, know you are a unicorn.
Also know that when I'm not working directly with clients to help them optimize their money, I'm…
Taking financial courses
Reading financial books and articles
Listening to financial podcasts
Brainstorming how to teach different financial concepts
Having conversations with financial advisor and coaching friends about what they're learning and doing personally and with their clients
Looking at opportunities to optimize my personal finances
Sending my CPA tax savings strategies I think might work for us and getting her buy-in or “not a good idea”
Doing continuing ed for my CFP®
…and having multiple daily financial conversations with my husband, Bobby…
And still- every single time I look at my money I find $1000 or more that is slipping through the cracks.
This is NOT my business finances- just our normal personal spending.
It's found money like this that allows us to do things like spend $1700 on flights for my in-laws to come visit us in Paris this spring (which we just paid for last week after one of these exercises).
That in particular is something I bet many people who earn more than we do would say they can't afford to do.
The truth is, affordability isn't strictly about how much you make. The ability to incorporate luxuries into your lifestyle isn't either.
It's about knowing how to spend WELL.
Now, if you're someone whose fixed expenses are SUPER high…
Fixed expenses meaning your rent or mortgage payment, car payment, minimum payments on debt, and the like…
And you really barely have money to buy food, put gas in your car, and enjoy life…
This approach isn't going to lead you to thousands of dollars because if you're in this situation, what you really need is to increase your income and/or move and/or sell the car.
Hard to hear, but if you're in that situation there's very little (short of trying to survive on what little is left over every month and hoping you can make it to the light at the end of the tunnel) that you can do without big changes.
Assuming you're NOT in this position, just 90 minutes is all it will take to help you look at your spending with new eyes and find more to spend (or save or invest) for the things you really want.
This isn't about looking at your spending and cutting out everything you care about.
I hate that kind of budgeting and money management.
What's the point of making money if you can't use it to get the things you really want?
If you're ready to have me walk you through my exact process for finding more money in your personal finances, click here to enroll in “How To Afford Anything You Want”.
It's $97 and you get immediate access to the 4 video training courses.
You'll also have lifetime access so that you can reference the training you need if you want a refresher next month or next year before you sit down to look for more money in your budget again.
You don't have to be an entrepreneur, make a certain amount of money, or have any specific skillset for this to work for you.
(If you aren't an entrepreneur or 1099 employee… this part isn't for you. If you are, read on)
Remember I mentioned earlier that if you're an entrepreneur you're likely to leave tens of thousands on the table?
Well, that's also true
Why? Because your business spending and tax planning have huge potential to cost or make you A LOT of money.
But you need to know what to look for and how to use what's available to you to your advantage. But I know there are a thousand things on your plate and even knowing what or who to ask and how to integrate the different strategies into your planning can be overwhelming.
I know because I've been there.
And it's a constant process of continuing to adapt and tweak and plan as my revenue goes up and down and as my business and personal life grow and change.
I spent years trying to come up with a simple process for effective planning that helps me consistently build wealth without spending an exorbitant amount of time playing in spreadsheets.
And just over 5 years ago I finally did it.
If you want to take things a step further and see how I find more money to spend, save and invest with a process that integrates my personal and business planning, so you can find even more money slipping through the cracks, you'll want to click here to enroll in “Plan Your Way to Wealth”.
Plan Your Way To Wealth offers a behind the scenes of the exact process I use to apply the Profit 2 Wealth Blueprint I teach in my Profit 2 Wealth 6-month group program to my annual planning. It's only $147 and it's an intensive, 2-ish hour workshop that gets straight to the point without hiding anything- not even my numbers.
In it I walk you step by step through my 2023 plan- showing you:
-How I integrate my personal spending, vision and goals into my business plan for the year
-How I make decisions and plan for expenses with a focus on how I get more money tax free and tax preferred out of my business every single year,
-How I plan for my savings and investments through my business and personally, and
-How I make my spending, saving, and investing- both business and personal predictable using the data I have about my revenue from prior years.
All of this is done in a simple excel spreadsheet, and used to help me stay on track and adjust as things change month to month and quarter to quarter throughout the year.
These are my real numbers and the real approach I've been using and teaching for the last 5 years.
It is literally a high-level overview of how I apply everything I teach in my 6-month Profit 2 Wealth group coaching program to my annual planning in a straightforward way so that everything is integrated and easily managed and planned in one place.
I also threw in a bonus training called “Planning For a Dip” because we all know that growing your revenue year after year isn't always practical or possible.
Not sexy, but it's the truth.
The “Planning for a Dip” bonus training is an hour-long video walking you through a planning session I did with one of my private clients to plan for an intentional love revenue year after she came back from maternity leave for baby #2.
You can use the approach I use with her proactively before an intentional low income year, or mid-quarter if something unexpected happens that impacts your revenue and you want to adjust (like in the case of the most recent pandemic) so that you're ensuring you're able to pay for your life, maximize your CEO compensation from your business, make decisions about your savings and investment level, and have predictability and low stress EVEN during a low income year intentional or not.
If you're interested in Plan Your Way To Wealth AND How To Afford Anything, you'll have an opportunity to purchase How To Afford Anything for 50% off during checkout as an add-on.
And as always, if you've been looking to work with me directly so you can get my eyes on your personal and business situation, helping you to plan and optimize your finances together, consider scheduling a call with me to discuss whether Profit 2 Wealth, my 6-month group coaching program for entrepreneurs is a good fit for where you are in your business. I'll always tell you straight up whether it's right for you or not.
To your financial success,