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How Victoria Manages Her Time in Business · She's On The Money

0:00
Speaker 1: Hello.
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Speaker 2: My name's Santasha Nabananga Bamblet. I'm a proud yr the
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Speaker 2: Order KERNI Whoalbury and a waddery woman. And before we
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Speaker 2: get started on She's on the Money podcast, I would
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Speaker 2: like to acknowledge the traditional custodians of the land of
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Speaker 2: which this podcast is recorded on a wondery country, acknowledging
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Speaker 2: the elders, the ancestors and the next generation coming through
0:23
Speaker 2: as this podcast is about connecting, empowering, knowledge sharing and
0:27
Speaker 2: the storytelling of you to make a difference for today
0:31
Speaker 2: and lasting impact for tomorrow.
0:33
Speaker 1: Let's get into it.
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Speaker 3: She's on the Money, She's on the Money.
0:58
Speaker 1: Hello and welcome. I'm Victoria Devine, the owner of several
1:02
Speaker 1: successful businesses, and I am joined by one of the
1:05
Speaker 1: hardest working side hustlers I know. It is Jess Gorici. Hello,
1:09
Speaker 1: welcome back to the show. You excited. I thank you
1:12
Speaker 1: for having me back. I feel like this one could
1:13
Speaker 1: have been written by you, because Jess, the community have
1:16
Speaker 1: been a little bit pervy and have been asking how
1:19
Speaker 1: I manage my time within the businesses, and I feel
1:22
Speaker 1: like that is a very fair question because sometimes I
1:24
Speaker 1: don't even know how I manage my time. You might
1:27
Speaker 1: humble me a few times throughout this and be like Victoria,
1:30
Speaker 1: that's aspirational. You say you do that, but it's in
1:32
Speaker 1: your calendar and it never happens. So feel free to
1:35
Speaker 1: pull me up on that, because I feel like authenticity
1:38
Speaker 1: is important here. But I'm going to give a little
1:41
Speaker 1: bit of insight today on where I put my focus
1:44
Speaker 1: and how I do things to keep myself on track
1:46
Speaker 1: and keep my team in order and still grow a
1:48
Speaker 1: business while I think still having a balanced and lovely life.
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Speaker 4: I love that. I think it'll be super helpful and
1:55
Speaker 4: really insightful for everybody who maybe wants to do that
1:57
Speaker 4: for themselves someday.
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Speaker 1: Now, I really want to start by saying, obviously this
2:01
Speaker 1: is going to look very different. Yes, we all have
2:04
Speaker 1: you know this is a Beyonce quote, right, everyone has
2:07
Speaker 1: the same twenty four hours in the days Beyonce. No,
2:11
Speaker 1: I hate that. But how I manage my time now
2:15
Speaker 1: is incredibly different to how I managed my time when
2:18
Speaker 1: I was first starting out. So I kind of want
2:20
Speaker 1: to break this up and do it in like three parts.
2:23
Speaker 1: So like the starting phase, how did I manage my time?
2:25
Speaker 1: Then the growing phase, and then a more established phase,
2:28
Speaker 1: which we're currently in now, because I think it's very unfair,
2:32
Speaker 1: especially in the business Bible community where we talk so
2:35
Speaker 1: often about you know, authenticity and transparency, Like I can
2:39
Speaker 1: be super transparent. I can tell you about my week
2:41
Speaker 1: right now, it involves getting a pedicure, Jess like slay,
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Speaker 1: I've worked so hard to get to this point, but
2:47
Speaker 1: that's not going to help you grow or change or
2:50
Speaker 1: you know, justify the hard work that you're putting in.
2:53
Speaker 1: And you go, well, I can't just start living the
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Speaker 1: exact same life that Victoria's living because that would make sense.
3:00
Speaker 1: Like that's ridiculous. And don't get me wrong, I understand
3:03
Speaker 1: the privilege. It is quite aspirational. When I like put
3:06
Speaker 1: it down on paper, I'm like, oh wow, I have
3:08
Speaker 1: achieved a lot and I'm really proud of it. But
3:10
Speaker 1: I also worked really hard to get here. So I
3:12
Speaker 1: think there's going to be a few different parts and
3:16
Speaker 1: this is the only way I can think of doing
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Speaker 1: it that makes the most sense, gives you, guys, the
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Speaker 1: transparency and the authenticity that I think you deserve.
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Speaker 4: Yeah, and I think as well, you know, there are
3:25
Speaker 4: a lot of people who are probably starting up their
3:28
Speaker 4: business while they work another job, and so I think
3:30
Speaker 4: looking at it in those kind of three stages that
3:32
Speaker 4: you were talking about will be really helpful because no
3:34
Speaker 4: matter where you are in your business journey, if you're
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Speaker 4: listening right now, hopefully you can get some little tips
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Speaker 4: and tricks to help you out.
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Speaker 1: All right, So let's dive straight in. Let's talk about
3:43
Speaker 1: the starting phase. Let's go back to when I had
3:46
Speaker 1: started Zella, and then She's On the money came along.
3:50
Speaker 1: I feel like, there's my babies when I took about them.
3:52
Speaker 1: I don't know how I did it, Like, I don't
3:55
Speaker 1: know how I wasn't institutionalized. That's probably not helpful, No, no,
3:59
Speaker 1: not Yeah, okay, let's dive into it. So at the
4:03
Speaker 1: time that I was starting Zella, it came up as
4:06
Speaker 1: an opportunity because I was already working in a wealth
4:08
Speaker 1: practice and I knew that I wanted my own thing,
4:11
Speaker 1: and I had been discussing with the director there, like
4:14
Speaker 1: how do I do this and also do that? And
4:17
Speaker 1: it meant a lot of extra hours because obviously I
4:19
Speaker 1: couldn't build my wealth practice on his watch because he
4:23
Speaker 1: still paid me for thirty eight hours a week to
4:25
Speaker 1: run his business. But in addition, to that. I was
4:28
Speaker 1: finishing my MBA, so I was doing I would say,
4:31
Speaker 1: an accelerated MBA. I think that's what it is actually called.
4:35
Speaker 1: But I was doing six units each and every single semester,
4:38
Speaker 1: as opposed to four, which normal people would do.
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Speaker 4: What does that look like in terms of hours?
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Speaker 1: Roughly a lot of hours. So I think about thirty
4:44
Speaker 1: hours a week. It's what I was doing, and I
4:46
Speaker 1: was going to UNI three or four nights a week
4:48
Speaker 1: after work. A day in the life would look like
4:51
Speaker 1: me getting up ridiculously early. I also had an obsession
4:55
Speaker 1: with fitness at the time, so I would get up
4:57
Speaker 1: at like four thirty five am the gym. I'd have
5:00
Speaker 1: my bullet coffee. What the hell, please don't go down
5:03
Speaker 1: that route, because I thought that's what all successful people did. Yeah,
5:07
Speaker 1: and you've probably heard me absolutely shit all over that now,
5:11
Speaker 1: because I'm like, ah, that's actually not an indicator of success.
5:14
Speaker 1: Why did I, as a smart person, even think.
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Speaker 4: That if I'm being up at four thirty in the morning,
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Speaker 4: I am not succeeding in my book?
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Speaker 1: Yes, yeah, I am failing miserably. Yeah No, absolutely not
5:23
Speaker 1: if I'm up before fall thirty. It was an accident now,
5:25
Speaker 1: or someone's paying me a lot of money, yes, Jess,
5:29
Speaker 1: you and I would begrudgingly getting up still. So I
5:33
Speaker 1: was getting up really early, going to the gym, and
5:35
Speaker 1: I would be at my desk by six thirty or seven.
5:38
Speaker 1: And I had the privilege of being allowed to work
5:40
Speaker 1: on my business prior to business hours starting at nine am,
5:43
Speaker 1: so nine till five, So I would either be at
5:45
Speaker 1: my desk working on my business at work, or I
5:48
Speaker 1: would be at my desk working on UNI assignments. And
5:51
Speaker 1: I often found that the time between seven and nine
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Speaker 1: it was like a nice time block of going, Okay,
5:57
Speaker 1: I've got two hours to smash out whatever i'd prepare
6:00
Speaker 1: the night before, and you know, get an assignment done,
6:02
Speaker 1: or you know, at UNI, a lot of your assignments
6:05
Speaker 1: are about a thousand words. And I remember in my head,
6:07
Speaker 1: I was like, okay, I can smash out a thousand
6:09
Speaker 1: words in two hours, and that's just how my brain worked.
6:11
Speaker 1: I'd be like, yep, cool, can time block that. But
6:14
Speaker 1: every single thing that I did was in my calendar,
6:18
Speaker 1: so the gym, the coffee, the shower, literally the time
6:21
Speaker 1: that I needed for UNI, because if it wasn't scheduled,
6:24
Speaker 1: it wasn't happening, and Jess, as you know, I have
6:27
Speaker 1: adhd yes and you guys nowadays are like v we
6:30
Speaker 1: reminded you of that three weeks ago, and I'm like
6:33
Speaker 1: beh because I'm the worst at taking my medication. But
6:37
Speaker 1: back then, I was very medicated because otherwise nothing would
6:41
Speaker 1: get done and I didn't have any support. I'd work
6:45
Speaker 1: my nine to five job. I would usually eat at
6:48
Speaker 1: my desk. I used to order you foods all the time.
6:50
Speaker 1: I barely ever left the office to eat because to me,
6:53
Speaker 1: that was an hour that I could use to either
6:55
Speaker 1: work on a UNI assignment or work on my business
6:58
Speaker 1: five five point thirty K. Sometimes i'd have to work late,
7:01
Speaker 1: that would be fine, but UNI always started at six,
7:04
Speaker 1: so I'd be at UNI by six and I would
7:06
Speaker 1: have another U foods to eat at UNI, usually cold
7:09
Speaker 1: because like the other side of the campus had the microwaves,
7:13
Speaker 1: so like Yollo, eat cold dinner. This all good, and
7:16
Speaker 1: UNI would usually go to nine or ten PM. I'd
7:19
Speaker 1: then go home and get ready for work the next day.
7:21
Speaker 1: So usually the start of my week. It really depended
7:25
Speaker 1: on what I was doing and how I was doing it.
7:28
Speaker 1: Like with Unique, sometimes it would be like Monday, Wednesday, Friday.
7:31
Speaker 1: Sometimes it would be the first three days of the week.
7:33
Speaker 1: Sometimes it'd be the first four, it depended, And I
7:35
Speaker 1: always jumped at the opportunity to do what they call
7:38
Speaker 1: intensive units. So I remember having the offer. You know,
7:43
Speaker 1: you'd do your four units as usual, but you could
7:45
Speaker 1: pick up two intensive units each semester, and you were
7:49
Speaker 1: able to do them in a four day like super course.
7:52
Speaker 1: So you would take a Monday and a Friday off work,
7:55
Speaker 1: or it would happen over like Christmas, holidays or Easter
7:57
Speaker 1: or something, and you would do all twelve weeks of
8:01
Speaker 1: content in four days, including all of your assignments. Like
8:05
Speaker 1: it sounds it's great, but lack. That sounds crazy, but
8:08
Speaker 1: it's relatively normal. Like if you've done an MBA, you
8:10
Speaker 1: know that that exists. It's not actually that unhinged. But
8:13
Speaker 1: you do four full days. But it is really time
8:17
Speaker 1: intensive because every day you would have an assignment due.
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Speaker 1: So on the first day you do full day of content,
8:22
Speaker 1: finish at like six pm, go home, write your assignments,
8:25
Speaker 1: submit it, come back for the next day, and you
8:27
Speaker 1: would break up all of those units across four days,
8:31
Speaker 1: and then that fourth day would basically be exam day,
8:34
Speaker 1: so you'd have four eight twelve units across three days
8:37
Speaker 1: and then an exam and like finishing up your assignments
8:40
Speaker 1: or a group assignment on the fourth day. I think
8:43
Speaker 1: I ended up being able to do my MBA in
8:45
Speaker 1: just under two years because of that, which is very helpful.
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Speaker 1: The second I stopped doing my MBA, kind of they
8:52
Speaker 1: crossed over, but not really like I enrolled while doing
8:54
Speaker 1: my MBA to do my finance diploma, so did that
8:58
Speaker 1: as well. Again much because it was online and it
9:01
Speaker 1: could be like self paced, but just time consuming. Weekends
9:05
Speaker 1: were spent working on union assignments or actually working on
9:09
Speaker 1: my business. It was the only time I had. I
9:11
Speaker 1: feel like a lot of people will look at it
9:13
Speaker 1: and go, well, that's not worth it. Cool, it might
9:16
Speaker 1: not be to you. Like that was what I was
9:18
Speaker 1: wildly passionate about at the time. And I was willing
9:20
Speaker 1: to sacrifice family time, and I was willing to sacrifice
9:23
Speaker 1: friends time. And you know, there are so many holidays
9:26
Speaker 1: that my girlfriend's got to go on together that I
9:28
Speaker 1: ultimately had to say no to. There are so many
9:31
Speaker 1: brunches I didn't go to, and friend gatherings and sports
9:34
Speaker 1: and social things that I didn't get to do because
9:37
Speaker 1: that's how I was choosing to build my business, and
9:40
Speaker 1: all of that happened. But yes, I built Zella on
9:43
Speaker 1: the side once the NBA stuff had finished, I obviously
9:46
Speaker 1: was really really wildly passionate about it. And She's on
9:50
Speaker 1: the Money came up and She's on the Money used
9:53
Speaker 1: to be lunch and learn sessions. So I used to
9:55
Speaker 1: run these lunch and learn sessions at different law firms,
10:00
Speaker 1: different big corporates to hopefully get some clients from my
10:03
Speaker 1: new business, Zella, because like, you can't just steal my
10:06
Speaker 1: current works clients, I'd have to get new ones. So
10:09
Speaker 1: I ran these lunch and lann sessions and realized I
10:11
Speaker 1: really wanted to work with women, so I was like,
10:14
Speaker 1: let's call it, She's on the money. So I think
10:16
Speaker 1: I was doing those in twenty fifteen, twenty sixteen, and
10:18
Speaker 1: it was just basic financial literacy, and yeah, it kind
10:21
Speaker 1: of like snowballed from there and over time, I think
10:24
Speaker 1: it wasn't till twenty seventeen, twenty eighteen that I thought,
10:28
Speaker 1: why not give this hole She's on the money like
10:30
Speaker 1: thinger go and created a Facebook group. It was more
10:33
Speaker 1: so I could connect with the people that went to
10:35
Speaker 1: my workshops and I would have a curriculum inside that
10:41
Speaker 1: Facebook Jess and I every week would be like, all right,
10:43
Speaker 1: so this week on Monday, We're talking about superannuation and
10:46
Speaker 1: on Wednesday, I'm going to drop a superannuation activity. And
10:49
Speaker 1: like it was all very structured, yeah, and so time consuming,
10:53
Speaker 1: but that is what I would do. And then from
10:55
Speaker 1: one thing and this will be a longer story, just
10:58
Speaker 1: to like frame where we started. I supper, Sorry, Jess,
11:01
Speaker 1: we started there. And then I remember the day it
11:04
Speaker 1: hit seventeen hundred people in that Facebook group and I
11:07
Speaker 1: was like, this is wild, like we're talking twenty nineteen. Yeah,
11:10
Speaker 1: And I asked the group, I said, what do you
11:12
Speaker 1: want me to do? Like how do I make this
11:13
Speaker 1: more approachable? Like what content can I create? And they said,
11:18
Speaker 1: we really want you to create video content? Can you
11:20
Speaker 1: like start a YouTube? Which is funny now because I
11:23
Speaker 1: said absolutely not. I'm never going on video hipocrite by
11:28
Speaker 1: Irony exactly. And one thing led to another and decided
11:31
Speaker 1: to do a podcast instead felt less scary and I
11:35
Speaker 1: think that is written in the wall. The podcast kind
11:37
Speaker 1: of blew up and I realized that that needed a
11:39
Speaker 1: lot more love. And then, you know, because of the
11:42
Speaker 1: podcast and because of the community in my Facebook group,
11:44
Speaker 1: my wealth business started to grow and I got quote,
11:47
Speaker 1: real clients and got to go out on my own
11:50
Speaker 1: and do those things. And it's not so that you
11:52
Speaker 1: guys can go, wow, she's really disciplined and sacrificed so
11:55
Speaker 1: much like I was just wildly passionate about it. And
11:58
Speaker 1: then Zella and She's on the Money of grew together,
12:01
Speaker 1: and then ultimately, you know, grew the business, started hiring people,
12:06
Speaker 1: and then you know, created these two teams of people
12:09
Speaker 1: that could support me so that I could take a
12:11
Speaker 1: bit of pressure off myself. Yeah, when it came to
12:13
Speaker 1: the hours that I was putting in. And then in
12:16
Speaker 1: September twenty twenty two, made the decision that in the future,
12:19
Speaker 1: I really did want to have a family and I
12:21
Speaker 1: did want to have a life, and I wanted some
12:23
Speaker 1: balance back, and I sold that wealth business and started
12:26
Speaker 1: just doing mortgage broking, which was a very small component
12:29
Speaker 1: of Zella at the time, and grew that and also
12:32
Speaker 1: just kept growing Cheese on the money. So that's the
12:35
Speaker 1: starting phase.
12:37
Speaker 4: Crazy, it sounds like a lot of hard work, That's
12:40
Speaker 4: what I.
12:41
Speaker 1: Said at the start, not sure if I should have
12:43
Speaker 1: been institutionalized.
12:44
Speaker 3: Yeah.
12:45
Speaker 4: I feel like starting a business sounds like such a
12:47
Speaker 4: dream in your head when you think about it, this
12:49
Speaker 4: far away concept that people don't necessarily understand the legwork
12:53
Speaker 4: that you have to do to start until you're.
12:55
Speaker 1: In the thick of it.
12:56
Speaker 4: And I think for you, you had a pretty good trajectory
12:58
Speaker 4: that not all small businesses have. Like you had so
13:01
Speaker 4: much opportunity, Yeah, really rapid compounded growth. And you know
13:05
Speaker 4: you were saying that kind of twenty nineteen phase we
13:08
Speaker 4: started doing sheetes on the money, and then by twenty twenty,
13:11
Speaker 4: you know, the Facebook group, the podcast, did it all
13:12
Speaker 4: taken off?
13:13
Speaker 1: Yeah, And that's unheard of. And I feel so lucky
13:15
Speaker 1: that I was in the right space at the right time.
13:17
Speaker 1: And I think also we need to preface this. We're
13:20
Speaker 1: talking about my journey. We're not talking about what's expected
13:23
Speaker 1: of you. Like Jess, if you said I want to
13:25
Speaker 1: start my own business, is it worth doing what you did?
13:27
Speaker 1: They I would go, you need to seriously consider whether
13:30
Speaker 1: it is or not, Yeah, because for most people it's not. Yeah,
13:33
Speaker 1: And it's very.
13:34
Speaker 4: Different, and I think it's more and more people are
13:36
Speaker 4: out there. There's more and more competition, and it is
13:38
Speaker 4: partly what you're doing and how you meet you are
13:40
Speaker 4: and partly what tim do you have and what you do,
13:43
Speaker 4: and so that can be really hard.
13:45
Speaker 1: Sorry to cut you off there again. I think it
13:47
Speaker 1: also needs to be pointed out very clearly. It's been
13:52
Speaker 1: mentioned once already, but like I do have ADHD, I
13:55
Speaker 1: hyper focus on things. Yeah, when I have a B
13:57
Speaker 1: in my bonnet, it is like nobody else, like you've
14:00
Speaker 1: seen it in the business, Like you just think I'm
14:01
Speaker 1: insane sometimes, like the amount of times that our team
14:05
Speaker 1: tries to peg me back because you go the what's
14:08
Speaker 1: it going to be? Like are you going to do this,
14:10
Speaker 1: this or this? And I go I'm doing it all
14:12
Speaker 1: and you guys go, no, that is actually unreasonable, we
14:16
Speaker 1: cannot deliver that, And I go, oh, yeah, okay, sorry,
14:20
Speaker 1: Like I have had to really reset my expectations about
14:23
Speaker 1: what I expect from other people. And I think that
14:26
Speaker 1: you know, we're on the same page now, but historically
14:30
Speaker 1: I'd be like, well, I can do forty fifty sixty
14:33
Speaker 1: seventy hour weeks. Why can't you? Yeah, Like, why aren't
14:35
Speaker 1: you as passionate about my business as I am, and
14:37
Speaker 1: you cannot expect that from other people, but I expected
14:41
Speaker 1: it from myself, and that's where burnout happens one hundred percent.
14:45
Speaker 4: I think even with just freelancing for me, you know,
14:48
Speaker 4: you have to spend the time researching what works and
14:50
Speaker 4: putting the time into finding the right clients and the
14:53
Speaker 4: management and the relationships, and I think there are so
14:55
Speaker 4: many little things that take up the time. And if
14:58
Speaker 4: you're someone who, like both you and I, are working
15:01
Speaker 4: a full time job and trying to start or do
15:03
Speaker 4: something on the side to give you a bit of
15:04
Speaker 4: extra money, I think what you were saying about having
15:07
Speaker 4: reasonable expectations on yourself is so important because if you
15:11
Speaker 4: are doing those ninety hour weeks like what you were doing,
15:13
Speaker 4: it's a miracle that you didn't, you know, end up
15:16
Speaker 4: incredibly unwell or I did.
15:18
Speaker 1: I ended up in hospital with shingles. Yeah, well, it's
15:21
Speaker 1: not a flex That is an indicator that I had
15:25
Speaker 1: burnt myself out. And I fully believe that I could
15:29
Speaker 1: have built Zella and she's on the money over a
15:32
Speaker 1: longer timeframe that you know, was more sustainable for my
15:35
Speaker 1: physical and mental health and was healthier. But I didn't
15:39
Speaker 1: because I didn't know any different and I just had
15:41
Speaker 1: to be in my bonnet and I wanted to get
15:43
Speaker 1: it done. And that's a part of my personality as well,
15:45
Speaker 1: and I think that that's why I'm like, oh, like
15:48
Speaker 1: when this topic came up and we're talking about you know,
15:51
Speaker 1: lots of people are asking about how I manage my time.
15:54
Speaker 1: I felt really awful being asked that because I look
15:57
Speaker 1: at it and I go, that was not how to
15:59
Speaker 1: manage your time. That was not yes, did I get
16:01
Speaker 1: where I needed to go, but like at what cost? Yeah,
16:05
Speaker 1: at the cost of a lot of friendships, at the
16:06
Speaker 1: cost of a lot of experiences, at the cost of
16:10
Speaker 1: a relationship at the time, like so much went absolutely
16:14
Speaker 1: in the bin because I was so set on what
16:17
Speaker 1: was going on, and it was kind of like, you know,
16:19
Speaker 1: twenty one, twenty twenty two. I was like, this is
16:22
Speaker 1: not sustainable, and like you were around for that, you
16:25
Speaker 1: worked for Shees on the money. I remember coming in
16:27
Speaker 1: one day and being like I think I'm going to
16:29
Speaker 1: sell Zella wealth and you were like wait what And
16:33
Speaker 1: I was like, I just can't keep this up and
16:34
Speaker 1: you were like, Babe, I've been telling you that for
16:36
Speaker 1: a long time, and like, who said this? Because that
16:39
Speaker 1: was me? So I think it's so important to you know, obviously,
16:44
Speaker 1: work hard if the reward is worth it and you
16:47
Speaker 1: see the value in it, because I think that it
16:50
Speaker 1: is so genuine to love what you do. But I
16:54
Speaker 1: do not believe the concept that you know, if you
16:56
Speaker 1: love what you do, you never work a day in
16:57
Speaker 1: your life. No, no, no, I worked really hard. I
16:59
Speaker 1: love what I do, but I definitely worked. I never
17:02
Speaker 1: felt like I haven't worked. In fact, I'm the type
17:05
Speaker 1: of personality who craves work like I would go insane
17:10
Speaker 1: if you weren't giving me tasks and things to think
17:12
Speaker 1: about and work to do. Like this whole maternity leave
17:15
Speaker 1: thing drives me up the wall. Like hate the idea
17:18
Speaker 1: that I'm going to be pulled away from my business.
17:20
Speaker 1: Love the idea that I'm starting a family and want
17:22
Speaker 1: to give that the time and energy it deserves. At
17:25
Speaker 1: the same time as knowing I have so many competing
17:28
Speaker 1: priorities and this love for my shoes on the money,
17:31
Speaker 1: community and the business I'm building and the staff that
17:33
Speaker 1: I have that I don't want to be away from it,
17:35
Speaker 1: at the same time as going victoria. If you don't
17:38
Speaker 1: step out of this business for at least twelve weeks.
17:41
Speaker 1: You're gonna regret it when that baby is older. Yeah,
17:44
Speaker 1: so I think it's about value. But I guess let's
17:47
Speaker 1: go to a really quick break because when we get back,
17:50
Speaker 1: I'm going to chat more about I guess, how to
17:51
Speaker 1: manage your time effectively during a growth phase. And then
17:56
Speaker 1: let's chat about managing your time in an established phase
17:59
Speaker 1: and what were life balance actually looks like for me now,
18:01
Speaker 1: because I promise it's so much better.
18:07
Speaker 4: All right, everybody, we're back, and next on the list
18:10
Speaker 4: is to chat about the growth phase. So you've worked
18:13
Speaker 4: through your startup phase, maybe you've taken the jump into
18:16
Speaker 4: employing your first employee.
18:19
Speaker 1: On the money employee.
18:20
Speaker 4: I know, how fun, what a throwback.
18:21
Speaker 1: You're lucky. I'd had some experience with some other employees before,
18:24
Speaker 1: and you were like the little guinea pig. Yes, you
18:27
Speaker 1: were the first she's on the money employee.
18:29
Speaker 4: That's so exciting. And I guess what was that like
18:33
Speaker 4: for you stepping from the space of like being by
18:36
Speaker 4: yourself and doing your ninety hour weeks to you know,
18:39
Speaker 4: stepping into managing time with other people there to support you,
18:42
Speaker 4: but also to manage.
18:44
Speaker 1: Yeah, it was a lot, and I was young and diluted,
18:47
Speaker 1: so I thought it was great at the time. But
18:49
Speaker 1: the first team I built was the Zella team, and
18:52
Speaker 1: at the time I did have a business partner, so
18:54
Speaker 1: it was a little bit easier to grow it, but
18:56
Speaker 1: there was a lot of responsibility. And that was my
18:58
Speaker 1: first quote big team we had of nearly thirty and
19:02
Speaker 1: I was so worried. Like all the time, I was
19:05
Speaker 1: consistently anxious because I'd be like, well, how am I
19:08
Speaker 1: meant to be in this position? And they know I
19:11
Speaker 1: own the business, but I'm also half their age, and
19:14
Speaker 1: I'm also, you know, not nearly as experienced, and it's
19:17
Speaker 1: kind of like a fake it till you make it,
19:19
Speaker 1: but also fake it because you can't have people see
19:21
Speaker 1: that you're not capable. Yeah, so there was a lot
19:23
Speaker 1: of pressure that I guess put on myself during that phase,
19:27
Speaker 1: and it's beautiful and I don't wish to change anything.
19:32
Speaker 1: I think that the leader I am today is a
19:35
Speaker 1: much different leader to the leader I was back then.
19:38
Speaker 1: I'm sure that there are people that I could have
19:39
Speaker 1: done better by. I'm sure there are situations that I
19:42
Speaker 1: could have managed better. I think there are things that
19:45
Speaker 1: you know, I lost along the way that I didn't
19:47
Speaker 1: have to lose, but I didn't know how not to
19:49
Speaker 1: lose them at that point. And I think during growth
19:51
Speaker 1: phase that's where all the learning happens. It's not just
19:54
Speaker 1: your business growing, it's you growing because you've never done
19:56
Speaker 1: this before and you don't know what's right or wrong,
19:59
Speaker 1: and ultimate there is no right or wrong. So hiring
20:03
Speaker 1: our first employee was overwhelming. Thankfully, I was well supported
20:06
Speaker 1: and had like a lawyer that drew up our employment
20:09
Speaker 1: contract and what that would look like. And at the time,
20:12
Speaker 1: we were doing payroll internally, so I'd have to work
20:14
Speaker 1: all of that out. And you know, it was a lot.
20:18
Speaker 1: Opening an office is a lot, like you know, not
20:20
Speaker 1: to get into the nitty gritty of it, but officers
20:23
Speaker 1: are so expensive to manage, like to run. You have
20:27
Speaker 1: not only the rent on the office, but you have
20:29
Speaker 1: all of the overheads. You have a fit out. You
20:32
Speaker 1: then have ongoing maintenance costs. We had to pay a cleaner.
20:35
Speaker 1: We were then stocking the fridge. All of those little
20:38
Speaker 1: things that add up. You go, oh my gosh, there's
20:40
Speaker 1: no milk in the fridge for coffee and tea. Oh
20:42
Speaker 1: let's get a coffee machine. Oh my gosh. All right,
20:45
Speaker 1: so now we have a coffee machine, but because of
20:46
Speaker 1: its volume of usage, it needs to be serviced every month.
20:49
Speaker 1: And like, oh, we want the you know, foyer of
20:52
Speaker 1: our office to be really nice. Let's get some plants.
20:55
Speaker 1: Maintenance of plants. Like, it's just stuff that adds up,
20:58
Speaker 1: and not everybody has these expenses. When I decided to
21:01
Speaker 1: go get rid of a business partner, get rid of
21:04
Speaker 1: all of that and start from scratch on my own,
21:07
Speaker 1: having to do that again on my own was really overwhelming.
21:11
Speaker 1: And then I guess I was in the privileged position
21:13
Speaker 1: where that was a really black and white bread and
21:15
Speaker 1: butter business, right, Like it's financial advice. We did accounting,
21:19
Speaker 1: and then we didn't, and then we were doing mortgage broking.
21:22
Speaker 1: That is such a basic business and I won't say
21:25
Speaker 1: basics in dumb it down business, but that's a pre
21:28
Speaker 1: existing business model, Jess. It exists, right, like you know,
21:32
Speaker 1: the mortgage broking businesses exist. I could spend so long
21:35
Speaker 1: on Google studying other people's websites, their organizational structures, having
21:39
Speaker 1: a look at their LinkedIn, seeing who got hired first,
21:41
Speaker 1: who did they prioritize networking in the industry, talking to
21:44
Speaker 1: people about well, what did you prioritize? How did you
21:47
Speaker 1: do this? In this growth phase? This is where I
21:50
Speaker 1: needed the mentors that I had the most. I feel
21:52
Speaker 1: like in that really startup phase, I had blinkers on.
21:55
Speaker 1: I didn't want other people's opinions. But the second I
21:58
Speaker 1: started to have to have bigger responsibilities like staff, I
22:02
Speaker 1: was like, well, I better get back on this mentor thing,
22:04
Speaker 1: because like, they've done it before. So for me, hiring
22:08
Speaker 1: my first employee inside Zella was not as scary as
22:11
Speaker 1: hiring you.
22:12
Speaker 4: That's so interesting.
22:13
Speaker 1: I really liked you. I'm just still here, like what
22:17
Speaker 1: nearly four years later, so kudos for putting up with me.
22:20
Speaker 1: But she's on the money was such a different business model.
22:23
Speaker 1: I didn't know anybody else who was running a media
22:26
Speaker 1: podcasting business. I didn't know what that would look like,
22:29
Speaker 1: or how that would grow, or is it worth biting
22:32
Speaker 1: the bullet and paying this amount because there wasn't any
22:34
Speaker 1: direct ROI because with a mortgage broker, I worked on
22:38
Speaker 1: a three times multiple, so I'd be like, all, right,
22:41
Speaker 1: of their income, thirty percent goes to the business and growth,
22:44
Speaker 1: thirty percent should be profit and thirty percent should be
22:47
Speaker 1: overheads that I pay the stuff. That's how I would
22:49
Speaker 1: work it out, and I go all right, so taking
22:52
Speaker 1: all of that into consideration, this is what they should
22:54
Speaker 1: be paid, and this is what they should be earning
22:57
Speaker 1: for the business. Yeah, there was direct You earn X
23:01
Speaker 1: and I pay you Y, and that is a deal
23:04
Speaker 1: with you. We've never had financial targets.
23:06
Speaker 4: Yeah.
23:07
Speaker 1: Obviously now do partnerships and do do a lot of
23:10
Speaker 1: financial things, but we've never had those targets because media
23:15
Speaker 1: and podcasting are so different. It's not like I can
23:17
Speaker 1: treat you like a mortgage broker and be like, yes,
23:19
Speaker 1: this role is very black and white. You go out,
23:21
Speaker 1: this are your sales targets, and this is what you
23:24
Speaker 1: get paid. And if you wake way more sales targets,
23:26
Speaker 1: then you get paid more. But it's not mortgage broking.
23:30
Speaker 1: So I think that that, to me, was one of
23:32
Speaker 1: the hardest things, and in that growth phase it was
23:36
Speaker 1: really challenging, and we made a few mistakes. We hired
23:39
Speaker 1: people that were like, Loop, this isn't a good fit,
23:42
Speaker 1: and I think you've got to grow through what you
23:45
Speaker 1: go through. So to me, yes, it was good, but Also,
23:48
Speaker 1: this is the stage where the pressure started to be
23:50
Speaker 1: taken off because I had people that I trusted to
23:54
Speaker 1: do the things that I was doing. It was hard.
23:57
Speaker 1: I don't know if you remember how controlling was. Yeah,
24:00
Speaker 1: I didn't want to let go of anything.
24:02
Speaker 4: I'm glad we've worked through that now, but I.
24:05
Speaker 1: Didn't want to let go. But once I learned how
24:07
Speaker 1: to let go, I was like, that's why she's here,
24:09
Speaker 1: because she's better at it than New Victoria.
24:12
Speaker 4: And what was your time like during that period?
24:14
Speaker 1: Very busy because I feel like you are switched on
24:17
Speaker 1: twenty four hours a day still because you're trying to
24:19
Speaker 1: grow a business and you know, make sure Jess is
24:21
Speaker 1: happy and then do any hire another Jess? And what
24:24
Speaker 1: does this look like? But there was a lot less
24:26
Speaker 1: pressure because you're not setting things up for the first time,
24:29
Speaker 1: you're not working out your accounting system. At this point,
24:33
Speaker 1: I did a really big review of my business and
24:35
Speaker 1: realized that there were a lot of things I should
24:37
Speaker 1: be outsourcing. So that was the point at which I
24:40
Speaker 1: was like, Okay, well, how many hours a week am
24:42
Speaker 1: I wasting or using on lots of different things? And
24:45
Speaker 1: I time tracked my hours. I think for a month,
24:51
Speaker 1: every hour of the day was allocated for And then
24:54
Speaker 1: I did a big review and I worked out how
24:56
Speaker 1: long it was taking me to do payroll, how long
24:58
Speaker 1: it was taking me to do a CA counting. And
25:00
Speaker 1: I went through and I printed out my outlook. I
25:03
Speaker 1: like screenshot it and printed out the outlook and like
25:05
Speaker 1: used different color highlighters as I went through, and was like,
25:08
Speaker 1: all right, well that's an admin task. That's an admin task.
25:10
Speaker 1: And that was how I worked out that we needed
25:13
Speaker 1: another admin. But also what could we outsource far out
25:17
Speaker 1: was actually taking me fifteen to twenty hours a month
25:20
Speaker 1: to do payroll and bookkeeping and all of the reconciliations
25:24
Speaker 1: for our bank accounts. And I went, that's a waste
25:27
Speaker 1: of my time because that's working in the business, not
25:30
Speaker 1: on the business, like at the end of the day.
25:32
Speaker 1: That's a task that needs to be done every month.
25:34
Speaker 1: That's when we hired a bookkeeper. And I thought, okay,
25:37
Speaker 1: well that's a good use of time because that gives
25:40
Speaker 1: me another fifteen hours a month to grow the business. Yeah,
25:43
Speaker 1: so I think that time blocking and it sounds really lame.
25:46
Speaker 1: I would just like every night go back through because
25:49
Speaker 1: I didn't do it as we're going, I'd go through
25:51
Speaker 1: my calendar and be like, all right, well, between ten
25:54
Speaker 1: and ten thirty, oh what did I do? I did this,
25:56
Speaker 1: And between eleven and twelve I did this, and like,
25:59
Speaker 1: I blocked it all in. And then after a month,
26:01
Speaker 1: I printed four pages and I went through and I
26:04
Speaker 1: highlighted the tasks that could be handed off without impacting
26:08
Speaker 1: the business. And that's where we started to grow a
26:10
Speaker 1: lot more. But it also helped me to understand what
26:13
Speaker 1: my focus should and shouldn't be, because my job was
26:17
Speaker 1: to grow the business, and I think I was lucky
26:19
Speaker 1: to know that handing tasks like that over was not
26:23
Speaker 1: going to send the business into a spiral. In fact,
26:26
Speaker 1: it freed me up to do more content, to go
26:28
Speaker 1: from having one podcast a week that we had two
26:31
Speaker 1: three plus two other shows. And I think that that's
26:34
Speaker 1: where you've got to let go to grow.
26:37
Speaker 4: It's such an exciting phase for so many people, but
26:39
Speaker 4: I think also very challenging navigating that new and growing space.
26:44
Speaker 4: If we think now about heading into the established phase,
26:48
Speaker 4: obviously now it be your businesses are totally there, We're
26:52
Speaker 4: all set up, were very solid. Can you walk us
26:54
Speaker 4: through your days and your weeks now and how you
26:57
Speaker 4: kind of spend your time.
26:58
Speaker 1: Okay, so right now, let's be brutally honest. This is
27:01
Speaker 1: a pre recorded episode, and I'm thirty nine weeks pregnant.
27:04
Speaker 1: So I'm on Matt Lee. Hi, Hi, I have had
27:07
Speaker 1: a baby right now while I'm talking to you. Just
27:09
Speaker 1: I don't know if it's boy. I don't know if
27:10
Speaker 1: it's girl. You can probably go check socials because that
27:13
Speaker 1: would be public information now, but I think that let's
27:17
Speaker 1: just pretend it's not today and I'm not super pregnant
27:19
Speaker 1: in my feet don't look to like sausages these days.
27:22
Speaker 1: It's a lot more relaxed. I feel like I don't
27:25
Speaker 1: have nearly as many meetings in my calendar. If you
27:27
Speaker 1: looked at my calendar, there might be two or three
27:30
Speaker 1: things in my calendar each day, which leaves me a
27:32
Speaker 1: lot of time to work on the business and strategize
27:35
Speaker 1: and plan and really reinforce the relationships I have in
27:39
Speaker 1: the business. A lot of the time, I'm not, you know,
27:42
Speaker 1: creating product, because I now have a team that does that, like,
27:45
Speaker 1: So to be even more transparent, she's on the money
27:48
Speaker 1: now has six full time employees and two I would
27:50
Speaker 1: say part time, and Alisa Hi, she's full time employee,
27:53
Speaker 1: but not by me, by our podcast studio, and she
27:58
Speaker 1: works one hundred percent of her time on she's on
28:00
Speaker 1: the money. And then we've got beck who is a
28:02
Speaker 1: part time or so there's eight in the team. I
28:04
Speaker 1: don't have to script the episodes anymore. That used to
28:06
Speaker 1: take me, you know, one or two hours each script,
28:09
Speaker 1: and you know, you extrapolate that out how many shows
28:12
Speaker 1: we have and how many hours we do of content
28:15
Speaker 1: every week, So that's alleviated. I don't have to cut
28:18
Speaker 1: up videos any more myself. I don't have to edit
28:20
Speaker 1: the podcast any more myself in my quote spare time.
28:23
Speaker 1: I don't have to do any of the social media
28:25
Speaker 1: posts because we've got Georgia and she does all of them.
28:28
Speaker 1: So I think my time is more spent on the strategy.
28:31
Speaker 1: I feel very privileged, but it's like my favorite part.
28:34
Speaker 1: Like I get to come in with my ideas and
28:36
Speaker 1: you know, I might sit down with you just and
28:37
Speaker 1: be like, oh my gosh, I've got this laundry list
28:39
Speaker 1: of dream clients and you go, no way is they
28:41
Speaker 1: I'm going to work on contracting them and seeing if
28:44
Speaker 1: they're interested in working with us and I go wow,
28:47
Speaker 1: like that just happens for me, you know. I come
28:49
Speaker 1: in and go, hey, Georgia, I've been thinking about this
28:51
Speaker 1: new content. I've seen this, this and this. I'd love
28:53
Speaker 1: to create something similar. Or I have this really good
28:56
Speaker 1: idea about a content series pretty rogue. Can we try it?
29:00
Speaker 1: And Georgia and Brooke will do it? So I think
29:02
Speaker 1: it's so nice to be I guess in control. I
29:05
Speaker 1: still think about it twenty four seven, like this is
29:08
Speaker 1: still my baby, but it looks so different like my morning's.
29:11
Speaker 1: We're not getting up at four thirty am, Jess. Yeah,
29:14
Speaker 1: I get up at six thirty seven with my husband
29:16
Speaker 1: and we go for a walk and we get coffee.
29:19
Speaker 1: And there's just such a better work life balance now.
29:23
Speaker 1: But I genuinely believe I worked for that, like I
29:26
Speaker 1: have worked my butt off, and at the time, that's
29:30
Speaker 1: not the life I thought I would have. I thought,
29:33
Speaker 1: I'm going to be a really big hustle, I'm gonna
29:35
Speaker 1: be so rich, I'm going to do this that the
29:37
Speaker 1: other like to me, I would look up to people
29:40
Speaker 1: like Elon musk Yah, which is disgusting, is so disgusting.
29:45
Speaker 1: Do not clip that out and tell anybody, But I
29:47
Speaker 1: would look up to them and be like, they are
29:49
Speaker 1: so committed to their work. They get up every day
29:51
Speaker 1: and like they just make decisions and do this. And
29:53
Speaker 1: I just look at it now and I go, am
29:56
Speaker 1: I as aggressive about growth as I was? Yeah? No, Like, Jess,
30:01
Speaker 1: what do I think of growth? Like, you know, I
30:02
Speaker 1: don't want a big team anymore. I feel like I've
30:05
Speaker 1: gotten out of that phase. And then I look at
30:07
Speaker 1: it again and go, I would much prefer to have
30:09
Speaker 1: quality over quantity. Like you might be in a situation
30:12
Speaker 1: where you want to build a megabusiness, you might be
30:14
Speaker 1: in a situation where you want to build a part
30:16
Speaker 1: time business that just has some extra income. Like, We're
30:19
Speaker 1: all on different wavelengths. But to me, creating the lifestyle
30:23
Speaker 1: that I have today took so long. I wasn't born
30:27
Speaker 1: into a family who had intergenerational wealth who could kick
30:29
Speaker 1: start my business. I had to work so hard and
30:32
Speaker 1: compromise so much to be able to get here. But
30:36
Speaker 1: I think that now my focus is just on having
30:39
Speaker 1: the resources, giving my team a beautiful work life balance,
30:43
Speaker 1: showing them that I care, because the more I care
30:45
Speaker 1: about them, the more they give to our community, and
30:48
Speaker 1: the more our community thrives. For me, I think it's
30:51
Speaker 1: just about focusing on how to make this business as
30:55
Speaker 1: sustainable as possible. We had a couple of months ago
30:58
Speaker 1: a strategy session with the She's on the Money team,
31:01
Speaker 1: and we sat down and we were like, Okay, well,
31:04
Speaker 1: what does this look like. How do we introduce additional
31:06
Speaker 1: revenue streams to the business so that we can thrive
31:09
Speaker 1: and not be so stressed if you know, the podcast
31:12
Speaker 1: doesn't work out in a few years, because you never
31:14
Speaker 1: know what the world looks like in media. And I
31:17
Speaker 1: think that that, to me is just exciting. Now. Yeah,
31:19
Speaker 1: because we have created that sustainability and you know as
31:22
Speaker 1: well as I do, that we have enough money coming
31:24
Speaker 1: in the door to sustain the team, so we can
31:27
Speaker 1: try a few different things and see if they fail.
31:29
Speaker 1: But I did not have that opportunity at the start.
31:32
Speaker 1: I couldn't try something and see if it failed. I
31:34
Speaker 1: would have no more money to pay salaries, I would
31:37
Speaker 1: have no flexibility. I would be done. So I was
31:40
Speaker 1: so conservative at the start. Now we just try things,
31:43
Speaker 1: see if they work. If they don't work, we'll just
31:44
Speaker 1: delete them and pretend it never happened.
31:47
Speaker 4: I think that gives some really good insight into how
31:50
Speaker 4: people can look at the trajectory of their business. I
31:53
Speaker 4: think staying away from comparison culture is also really important
31:57
Speaker 4: and important because yeah, like you said, we all technically
32:00
Speaker 4: have the same twenty four hours in the day, but
32:01
Speaker 4: we don't have the same opportunities or the same twenty
32:04
Speaker 4: four hours as the person next to us. And it's
32:06
Speaker 4: easy to look at a business and think that it's
32:09
Speaker 4: doing really well, but you don't know the behind the scenes.
32:11
Speaker 4: You don't know if somebody is doubling or tripling up
32:14
Speaker 4: on their workload or.
32:15
Speaker 1: I feel like I used to look at people and
32:17
Speaker 1: not understand that. And like I think people still look
32:20
Speaker 1: towards us and go, wow, like your work life balance
32:22
Speaker 1: is crazy because they see like our work retreats. Yeah,
32:25
Speaker 1: of course they look lit. We had the best fun, right,
32:28
Speaker 1: but also we did so much hard work on that
32:32
Speaker 1: we got through so much content. Like that's the not
32:35
Speaker 1: so shiny part that you know, we didn't put on
32:37
Speaker 1: socials because we were actually busy working. Yeah, and you
32:40
Speaker 1: might look at me and go V's work life balance
32:42
Speaker 1: looks so sick. I can't believe she gets up early,
32:44
Speaker 1: you know, every morning with her husband goes for a
32:46
Speaker 1: walk with their dog and has a lot more flexibility,
32:48
Speaker 1: and like, I do have time every three weeks in
32:51
Speaker 1: my calendar to get a pedicure because it's important to me.
32:55
Speaker 1: But I've worked really hard for that, and I have
32:57
Speaker 1: so much support around me, and without that support, I
32:59
Speaker 1: could never yeah do that. Yeah, And I think that
33:02
Speaker 1: that's where you go, not taking the piss, But I
33:05
Speaker 1: did work really hard for this.
33:06
Speaker 4: Yeah, one hundred percent. Some people just have more resources
33:09
Speaker 4: and more money and more support and just focusing on
33:11
Speaker 4: being one percent better every day, I think is something
33:13
Speaker 4: that anyone starting their small business journey should really try
33:17
Speaker 4: to focus on.
33:18
Speaker 1: Agreed.
33:18
Speaker 4: Sometimes I feel like trying to grow as a creator,
33:21
Speaker 4: you know you don't get there as fast as you
33:22
Speaker 4: want to, but you also need to remember, like for me,
33:25
Speaker 4: I work full time. I love my job and I
33:28
Speaker 4: give a lot to my job, and just because I'm
33:30
Speaker 4: not growing as fast as somebody else doesn't mean my
33:33
Speaker 4: time is being spent less effectively.
33:35
Speaker 2: I know.
33:35
Speaker 1: And it's so easy to look at somebody else who
33:38
Speaker 1: had a video go viral and blew up overnight and
33:40
Speaker 1: you're like, oh, I could have done that. I could
33:42
Speaker 1: have done that. Like, I don't know. We do it
33:44
Speaker 1: all the time, even if she's on the money. Like
33:46
Speaker 1: sometimes you and I be like, hey, we did that
33:48
Speaker 1: like a month ago. Why did that then work for
33:50
Speaker 1: this person? Yeah? And I think that it's just not helpful.
33:53
Speaker 1: It's not constructive. Stay in your own lane, work out
33:56
Speaker 1: what you want. I think something that I wish I
33:58
Speaker 1: had done earlier in my business journey is really go, well,
34:02
Speaker 1: what are my values? What am I trying to create?
34:04
Speaker 1: Because I think I was a bit of a bull
34:06
Speaker 1: that had seen a red flag and I'm like, I'm
34:08
Speaker 1: going to take over the world.
34:09
Speaker 2: Men.
34:10
Speaker 1: Absolutely not, Like I can work in finance. If a
34:12
Speaker 1: boy can do it, I can do it. Like I
34:14
Speaker 1: was very aggressive with what I wanted to achieve, and
34:17
Speaker 1: let's be honest, that has played into our success. But
34:20
Speaker 1: was I super happy? Absolutely not. So I guess that's
34:23
Speaker 1: a very very good place to probably leave it. I
34:26
Speaker 1: think I've exposed enough of my business today and my
34:30
Speaker 1: personal secrets, so let's leave it at that. What do
34:32
Speaker 1: you reckon?
34:33
Speaker 4: I think?
34:33
Speaker 1: So I will see you all on Friday, Bye, guys. Bye?
34:43
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34:46
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35:02
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