Let's talk about stability, not hustle, not scaling for ego, not chasing shiny

things, although I love that stability because when your business feels

stable, you make better decisions, you sleep better, you sell better,

and from experience, you show up differently, that's super important.

Always.

We wanna get practical.

I love practical.

wanna talk about multiple streams in my business.

Yes, it sounds a little bit boring.

I know in my business though, I do not rely on one offer.

My two core offers are thriving women and one-on-one coaching.

They are different price points, different access levels, different types of clients,

and if one month, one-on-one is quieter.

Thriving women carries weight.

If a cohort cycle ends one-on-one, bridges the gap.

I also run BD sprints, master classes, and some smaller entry offers so people

can, you know, get a sense of me.

really intentional because when you rely on one stream only it

feels really fragile and when you diversify you create stability.

Now that does not mean 17 offers.

Don't be me.

Please know.

It means core recurring offer, a premium offer, or a shorter or lower entry offer.

That is it.

Ask yourself if one offer slowed down for three months, what would support you?

I built a business I don't want to sell in my corporate life.

I had 40 people reporting to me.

Never again.

So when I built this business, I built it around me.

the face, I do the coaching, I do the podcast.

I run lean.

We outsource and we reinvest.

That's important.

You do not need a big team to be stable.

You need clarity on your model.

Some of you are building to exit.

Awesome.

Some of you are building a lifestyle business.

Also valid.

Both are valid, but make sure you're designing accordingly.

I choose lean, high margin, relationship driven, and then

I invest surplus elsewhere.

I just wanna talk about my personal situation for a moment.

I have property, I have shares, and I have ETFs, and from very early

on I had a property portfolio.

Over time I added shares, and as a family we hold ETFs as well.

Why?

Because I never wanted to be, my personal wealth tied only to

my ability to show up and work.

Business income is one stream, property is another, shares is

another, and ETFs are another.

That's Layering builds a bit of resilience, and if one market

dips, another might rise.

If business slows, investments still exist.

That's financial maturity.

Now, some of you are going.

I don't have any spare cash.

I'm under a hundred grand or I'm under 200 grand in revenue.

What?

Spare cash Invest Fair.

This is where Profit First change everything for me.

I've talked about this before.

Instead of waiting for profit, you allocate it first.

I encourage most of my clients, if not all, to have at least three

savings accounts or bank accounts, one for daily operating expenses.

Second for tax accounting and third for profit.

The profit account actually becomes a buffer, and when that

buffer grows, it becomes leverage.

You cannot invest from chaos.

You have to invest from surplus.

And if surplus feels laughable right now.

Start with five bucks a week.

$5. It's one coffee.

Can't even get that in Melbourne.

Just saying consistency beats intensity every single time.

Fun story for you.

I wanna talk about the psychology of saving cash.

Santa brought Mark, Evie and I, these money boxes with targets on them.

One for a thousand bucks, one for 5,001 for 10,000.

I got the 10,000 because I'm the saver.

And yes.

Actual cash.

And yes, who carries cash anymore?

But here's the fascinating part and the part that Santa researched

finance research shows that physically handling money increases

emotional connection to it.

Studies on the.

Pain of paying show that spending cash activates more psychological

friction than tapping a card.

it slows you down.

It makes it real.

And on the flip side, physically seeing money accumulate increases

motivation and follow through.

When you see the notes stacking up, your brain registers progress more

strongly than numbers on a screen.

surprise.

is something deeply grounding about watching it grow.

Even Evie is into it, and what that builds is not just savings, it builds identity.

We are people who save.

We are people who build wealth.

We are people who delay gratification.

Because we are building the wealth and that identity shift that really

matters, especially if you have small kids in there watching you.

And what I would say is this, even if you have small amounts of money,

get a high interest savings account.

Make sure that your micro using a micro investing platform,

index based ETFs are amazing.

Paying down high interest debt first.

If you have larger amounts, diversified ETFs, direct shares, property,

business, reinvestment, angel investing, or private opportunities.

If you understand the risk, the key word is diversified.

Not all eggs, not one basket.

Ps not financial advice, just saying.

Here is what I want you to leave with today.

Financial stability is not accidental.

It is designed.

You design your offers, you design your cost base, you design your buffers, you

design your investments, and if you're under 200,000 in revenue, your job is

to clean up your accounts, separate your tax, start a tiny profit bucket,

build one additional revenue stream.

If you are over $200,000 in revenue, your job is to strengthen margins,

build buffers of three to six months of expenses, systematise

reinvestment, diversify personal wealth.

not flashy, and it's certainly not Instagram sexy, trust me.

But it is grown woman financial business, I will take stable

overstressed any day of the week.

You know, I love practical, so I'm gonna give you some practical actions

as we close this out this week.

would love you to commit to a few things.

Number one, open a separate tax account if you don't already have one.

Relating to tax, specifically the amount of conversations I have

with ladies who are a little bit scared of the tax department.

Now, I don't blame you.

I don't blame you, but we have to put our tax returns in and there

has been instances when clients have come to me and they're like, Emma,

I'm ashamed to say I haven't put my tax in for 2, 3, 4, 5 years now.

I've seen it all.

So there's no judgment here, but we need to get that sorted.

If you've got a tax account and you've got savings in the tax account.

That is not savings.

That is for the tax man.

So we need to make sure that we are paying those.

Otherwise, you'll lose sleep, you'll lose credibility, you'll lose money.

You'll earn interest on the money that you have to pay.

It's really just not worth it.

Two, transfer a small amount into a profit or a buffer account.

identify one.

Just one additional revenue stream you could test in the next 90 days.

Four, if you have savings, book time to learn about ETFs or index investing

or buy barefoot small deliberate steps because when your money feels

steady, you feel steady and steady.

Women man, they build extraordinary businesses.

And if you are running an extraordinary business, all you wanna be and you

need to hang out with women who are gonna elevate you to do that

business with the queen is your thing.

It's 90 minutes home in your PJ's.

It's 25 bucks.

We're gonna have a hundred women on Zoom.

Come join us.