Latest / She's On The Money / How Victoria Devine Built a Multimillion-Dollar Small Business

Transcript

How Victoria Devine Built a Multimillion-Dollar Small Business · She's On The Money

• 0:00
  Speaker 1: Hello, my name is Satasha Nabananga Bamblet. I'm a proud
• 0:04
  Speaker 1: or the Order Kerni Whaltbury and a waddery woman. And
• 0:08
  Speaker 1: before we get started on She's on the Money podcast,
• 0:11
  Speaker 1: I would like to acknowledge the traditional custodians of the
• 0:13
  Speaker 1: land of which this podcast is recorded on a wondery country,
• 0:18
  Speaker 1: acknowledging the elders, the ancestors and the next generation coming
• 0:22
  Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
• 0:27
  Speaker 1: and the storytelling of you to make a difference for
• 0:30
  Speaker 1: today and lasting impact for tomorrow.
• 0:33
  Speaker 2: Let's get into it.
• 0:34
  Speaker 3: She's on the Money, She's on the Money.
• 0:57
  Speaker 4: Hello, and welcome to She's on the Money. The podcasts
• 0:59
  Speaker 4: that are remind you your dream job probably isn't something
• 1:02
  Speaker 4: you find on seek.
• 1:03
  Speaker 2: It's something you build yourself.
• 1:05
  Speaker 4: You know that tiny idea you keep thinking about, the
• 1:06
  Speaker 4: one you swear you'll get to when life slows down. Well,
• 1:10
  Speaker 4: what if that's the thing that changes everything if you
• 1:11
  Speaker 4: just back yourself. I'm excited and with me of course
• 1:15
  Speaker 4: is the one and only Victoria Divine. The one and
• 1:18
  Speaker 4: only sounds so dramatic. One and only. I'll take another Divine.
• 1:22
  Speaker 4: I mean you don't I know your sister Alex Divine. Yeah,
• 1:25
  Speaker 4: but I don't know Victoria Divine.
• 1:26
  Speaker 2: No. No, And that's like kind of good because I
• 1:29
  Speaker 2: am trying to build a profile here in Australia and
• 1:32
  Speaker 2: it could get a little bit competitive. So stay out,
• 1:35
  Speaker 2: Victoria Divine. We only have room for one unforsonately and
• 1:38
  Speaker 2: if you are also a Victoria Divine, like, that's cool,
• 1:41
  Speaker 2: but please don't become a money influencer. Ye're true.
• 1:45
  Speaker 4: If you are Victoria Divine high and welcome to the show,
• 1:49
  Speaker 4: please reach out because we'd love to have you.
• 1:51
  Speaker 2: Yeah, and replace other Victoria Divine. Oh thanks.
• 1:55
  Speaker 1: Nolvi.
• 1:56
  Speaker 4: After how much love the last episode got where you
• 1:58
  Speaker 4: shared your money story, we knew we.
• 2:00
  Speaker 2: Had to do a follow up, so did we we
• 2:02
  Speaker 2: knew or you knew? I knew? I hope you like
• 2:05
  Speaker 2: these I love them.
• 2:06
  Speaker 3: Yeah.
• 2:07
  Speaker 2: Look, I'm not gonna lie. I got into the studio
• 2:09
  Speaker 2: and I got ambushed our producer and I said, guess
• 2:11
  Speaker 2: what you're doing today. It wasn't so much about consent,
• 2:15
  Speaker 2: more about telling me. I think that the team is
• 2:17
  Speaker 2: at a point where you guys are like, you know what,
• 2:20
  Speaker 2: We're just going to ask for forgiveness, not permission. I
• 2:22
  Speaker 2: think we're just going to have to do that. You
• 2:24
  Speaker 2: just do you guys. Yeah, And unfortunately, given how many
• 2:28
  Speaker 2: downloads it got, I have to agree that it is working.
• 2:32
  Speaker 4: Thank you, and you always ride that way with us,
• 2:33
  Speaker 4: and I really appreciate that you know better. I do
• 2:36
  Speaker 4: know better because due to a very very very popular demand,
• 2:39
  Speaker 4: we've done the money story. Now let's talk business.
• 2:42
  Speaker 2: I mean you're ready, yes, as ready as I'll ever be.
• 2:45
  Speaker 4: Amazing, amazing, Okay, so I've just got seven hundred and
• 2:47
  Speaker 4: fifty two questions for you.
• 2:49
  Speaker 2: Great, fantastic, I'm ready. Perfect.
• 2:51
  Speaker 4: It could have got me a coffee. I think it's
• 2:54
  Speaker 4: better when you're a little bit tired in de lulu.
• 2:56
  Speaker 2: Okay, all right, let's go. Well I'm going to start here.
• 2:58
  Speaker 4: All right, we heard in the last EPISO so that
• 3:00
  Speaker 4: you always knew you wanted to be a business owner.
• 3:02
  Speaker 4: So can you give us a quick backstory, like how
• 3:05
  Speaker 4: did that turn into Zella?
• 3:06
  Speaker 2: And then eventually she's in the money? Where do I
• 3:09
  Speaker 2: even start with this? So I've always known that I
• 3:12
  Speaker 2: wanted to be a business owner because I think like
• 3:16
  Speaker 2: my ADHD story really intertwines into this, right and it's
• 3:20
  Speaker 2: not because it's topical or I feel like at the
• 3:22
  Speaker 2: moment it seems like a little bit trendy to talk
• 3:24
  Speaker 2: about ADHD. But to understand the ADHD from my perspective
• 3:29
  Speaker 2: and why I think it's part of my story and
• 3:32
  Speaker 2: why I became a business owner. Is I run at
• 3:35
  Speaker 2: six million miles an hour. Like I am the type
• 3:38
  Speaker 2: of person who thrives in chaos, which is not everybody, right, Like,
• 3:42
  Speaker 2: I'm the type of person where if you give me
• 3:44
  Speaker 2: one thing to do for an entire day, beck, I'm
• 3:48
  Speaker 2: doing it at eleven fifty nine PM right before, like
• 3:52
  Speaker 2: I cannot do it earlier, Like most normal people would
• 3:56
  Speaker 2: be like one thing to do, let's just knock that
• 3:59
  Speaker 2: off this morning so I can have a free day.
• 4:01
  Speaker 2: I'm actually going to cripple myself with analysis paralysis for
• 4:05
  Speaker 2: the entire day going I can't do anything until this
• 4:08
  Speaker 2: other thing is done. But I'm not going to do it.
• 4:11
  Speaker 2: I'm just going to stress about having not done it.
• 4:14
  Speaker 2: But if you gave me fifty things to do in
• 4:16
  Speaker 2: one day, I thrive, Like I will get up early.
• 4:20
  Speaker 2: I'm back to back. I can work my butt off.
• 4:22
  Speaker 2: And that's not to say that everybody with ADHD does
• 4:25
  Speaker 2: it that way, That's just how I operate, and so
• 4:28
  Speaker 2: as somebody who thrives during chaos, I think I've always
• 4:32
  Speaker 2: known that I wanted to be in control of that chaos.
• 4:35
  Speaker 2: And I'm also very aware that that makes me not
• 4:39
  Speaker 2: a good employee, Like it doesn't make me the best
• 4:43
  Speaker 2: person to work for you, because I run my own
• 4:46
  Speaker 2: schedule and it doesn't matter how important it is. If
• 4:50
  Speaker 2: I for some reason I'm not motivated, I'm just not
• 4:53
  Speaker 2: going to do it, and that's not a good thing.
• 4:57
  Speaker 2: I wish I was a bit different and could be like,
• 4:59
  Speaker 2: oh well, my boss asked me to do X, y Z,
• 5:02
  Speaker 2: like I'm just not that good at it. And it
• 5:05
  Speaker 2: used to take a lot of energy for me to
• 5:07
  Speaker 2: do those things when I was employed. And I mean
• 5:10
  Speaker 2: I did get feedback like oh V you don't seem
• 5:12
  Speaker 2: to take this seriously. In the back of my head,
• 5:14
  Speaker 2: I'm like this because I don't care, and that's not cool.
• 5:17
  Speaker 2: That's not cool. So for me to be a business
• 5:20
  Speaker 2: owner meant a lot more control. And I also just
• 5:24
  Speaker 2: I love new stuff. I love shiny stuff. Having ADHD
• 5:28
  Speaker 2: means like I get very excited about something new, a
• 5:31
  Speaker 2: brand new idea, a new hobby, a new whatever. So
• 5:35
  Speaker 2: creating kind of comes very naturally to me, I would say.
• 5:40
  Speaker 2: So I feel like, with all of that in mind,
• 5:42
  Speaker 2: it leads me down wanting to be a business owner
• 5:45
  Speaker 2: and taking a few steps backwards. I didn't know what
• 5:49
  Speaker 2: that meant. I've always like been a little bit entrepreneurial,
• 5:52
  Speaker 2: like sold stuff as I'm growing up. Like you know,
• 5:56
  Speaker 2: I was selling friendship bracelets at school. You want a scooby,
• 6:00
  Speaker 2: I'll make you a scooby. I will charge you for
• 6:02
  Speaker 2: the scooby. I also used to sell my notes, so
• 6:05
  Speaker 2: like I used to take like really good notes. And
• 6:08
  Speaker 2: one of the reasons I took such good notes at
• 6:10
  Speaker 2: school and in university was because I knew I could
• 6:13
  Speaker 2: sell them. It wasn't even because I was trying to
• 6:14
  Speaker 2: learn at that point. Like, my motivations have always been
• 6:18
  Speaker 2: a little bit different to other people's. So I guess
• 6:22
  Speaker 2: that's what led me to wanting to be a business owner.
• 6:24
  Speaker 2: But what got me into finance was I have For
• 6:29
  Speaker 2: those of you who maybe don't know my backstory, I
• 6:31
  Speaker 2: have two degrees in psychology. I have my undergraduate degree,
• 6:35
  Speaker 2: I have a postgraduate degree, and then I have an
• 6:38
  Speaker 2: MBA and I started psychology. I'm so interested in how
• 6:44
  Speaker 2: people work. I'm so interested in having an impact and
• 6:47
  Speaker 2: hopefully making other people's lives better. But then, really, once
• 6:50
  Speaker 2: I got my first job, that was not it. Like
• 6:53
  Speaker 2: I worked in consulting in psych and just realized I
• 6:56
  Speaker 2: didn't like the corporate vibes. I didn't like being told
• 6:58
  Speaker 2: what to do by mediocre, middle aged white men who
• 7:02
  Speaker 2: I didn't think knew what they were talking about. I consistently,
• 7:05
  Speaker 2: and this is not me saying I did know better,
• 7:07
  Speaker 2: but I consistently felt as though I could do these
• 7:10
  Speaker 2: things better. And I think that for a lot of
• 7:15
  Speaker 2: the part, I won't say I wasn't wrong, but it
• 7:19
  Speaker 2: was because I was always so willing to try something new,
• 7:22
  Speaker 2: try something different, Like there's a new system we could try,
• 7:24
  Speaker 2: why aren't we trying that? Like I was consistently being
• 7:27
  Speaker 2: told no, that's the way we've always done it. I'd
• 7:29
  Speaker 2: be like, but we don't have to, you know. So
• 7:32
  Speaker 2: didn't love that. Ultimately ended up in the finance space
• 7:36
  Speaker 2: because one of my clients when I was working in
• 7:38
  Speaker 2: orgsych was a financial advisor, and I'm like, oh my goodness,
• 7:41
  Speaker 2: like this is cool, Like it's not as much about
• 7:45
  Speaker 2: numbers as it is about impacting people's lives. And like
• 7:49
  Speaker 2: I was taking all this advice home to my friends
• 7:51
  Speaker 2: and my family and being like, Beck, did you know
• 7:53
  Speaker 2: about super Like it's so cool, Like you can get
• 7:55
  Speaker 2: really rich doing X Y Z, And Yeah, I ultimately
• 7:58
  Speaker 2: became my career and I decided that when I was
• 8:01
  Speaker 2: going to do that, I didn't want to do it
• 8:04
  Speaker 2: for somebody else. Like I could see the structure. I
• 8:07
  Speaker 2: did work in that structure as an employed financial advisor
• 8:11
  Speaker 2: for a bit, but that was kind of to find
• 8:13
  Speaker 2: my feet. And once I started Zella, I loved it.
• 8:17
  Speaker 2: I loved being in control of my day. I loved,
• 8:20
  Speaker 2: you know, being able to set the guidelines of how
• 8:24
  Speaker 2: my business would work, not just for my clients, not
• 8:27
  Speaker 2: just for me, but also for my staff. Like something
• 8:29
  Speaker 2: that I have held very very close to me is
• 8:32
  Speaker 2: making sure that my staff for enjoying work hopefully as
• 8:35
  Speaker 2: much as I do, and giving them like I employee adults, Beck,
• 8:38
  Speaker 2: let's just treat them that way. Yeah, you don't thrive
• 8:41
  Speaker 2: in the morning, don't start in the morning like I
• 8:42
  Speaker 2: need you to do this amount of work. I don't
• 8:44
  Speaker 2: care how you get it done, Like I think that
• 8:47
  Speaker 2: that respect is not something that comes often. But then
• 8:51
  Speaker 2: once you have that in a business, that impacts the clients,
• 8:54
  Speaker 2: it impacts how outcomes, Like it means that as a business,
• 8:58
  Speaker 2: like we're thriving because the vibes are just high all
• 9:02
  Speaker 2: the time. Yeah, and people want to be involved in that, right, Yes.
• 9:05
  Speaker 2: So I think that's kind of where Zella came from.
• 9:09
  Speaker 2: It was from me essentially wanting to control everything and
• 9:13
  Speaker 2: something I don't think i've shared publicly before. I mean
• 9:16
  Speaker 2: I've mentioned it on like my Instagram stories like once
• 9:19
  Speaker 2: or twice. But when I started Zella Beck, it's so
• 9:22
  Speaker 2: hard to name a business, Like how do you even
• 9:24
  Speaker 2: name a business? Oh my god, I know, Like what
• 9:27
  Speaker 2: do I call it? Divine associates? There's many words. If
• 9:30
  Speaker 2: I was going to become a financial advice business, like Victoria,
• 9:34
  Speaker 2: divine financial advice or divine advisor, it all sounds like terrible,
• 9:39
  Speaker 2: divine g Yeah, like all of it's crap be And
• 9:42
  Speaker 2: so I was brainstorming with my mom and my mom
• 9:45
  Speaker 2: was like, why don't you use your nana's name? Oh, so,
• 9:48
  Speaker 2: Zella is actually my grandmother's name. That's her first name.
• 9:51
  Speaker 2: Gorgeous name exactly, and it's not very common. And I
• 9:56
  Speaker 2: think that given I wanted to start a business that
• 9:58
  Speaker 2: impacted women, it made sense to name it after one
• 10:02
  Speaker 2: of the most powerful women I know. And then I
• 10:04
  Speaker 2: was like, oh cool, Like Zella sounds fun, like it's
• 10:07
  Speaker 2: giving like strong vibes. When I looked up the brand
• 10:11
  Speaker 2: Zella Beck, it means the one who knows the way.
• 10:15
  Speaker 2: Like that's perfect, so perfect. I think that everything from
• 10:18
  Speaker 2: the beginning when I started, it just felt right. It
• 10:21
  Speaker 2: just felt like it started in the way that it
• 10:23
  Speaker 2: was meant to start. And yeah, like it's still a
• 10:26
  Speaker 2: business that thrives today. I suppose it's a bit different
• 10:29
  Speaker 2: to the financial advice business that I started. And then ultimately,
• 10:33
  Speaker 2: She's on the Money came from to explain that a
• 10:36
  Speaker 2: little bit. I feel like I'm just yapping, but to
• 10:39
  Speaker 2: explain that a little bit She's on the money was
• 10:41
  Speaker 2: actually initially a workshop. So it was me, as a
• 10:46
  Speaker 2: baby financial advisor, going, I want to work with women.
• 10:49
  Speaker 2: How do I work with women? You know what I
• 10:51
  Speaker 2: could do? I could run lunch and learn sessions. I
• 10:54
  Speaker 2: could run a lunch and learn session and go into
• 10:56
  Speaker 2: your workplace, back, sit down, your hate. Hopefully we'll like
• 11:01
  Speaker 2: buy some sandwiches and then I'm going to be up
• 11:02
  Speaker 2: the front talking about financial advice. I'm going to tell
• 11:05
  Speaker 2: you about super savings, all of that stuff. And they
• 11:09
  Speaker 2: got really popular, but initially I was running them from
• 11:12
  Speaker 2: all genders or literally anyone. And I realized that in
• 11:16
  Speaker 2: more corporate settings, women weren't putting their hands up, like,
• 11:19
  Speaker 2: women weren't asking the hard questions right. They were emailing
• 11:23
  Speaker 2: me after to be like, hey, so you mentioned this.
• 11:25
  Speaker 2: I was just wondering xyz, and I was thinking, like,
• 11:28
  Speaker 2: why aren't you putting your hand up? And it was
• 11:30
  Speaker 2: because the male colleagues in the room often dominated the conversation. Yes,
• 11:35
  Speaker 2: oh you will open investing since it's just sit down
• 11:39
  Speaker 2: Craig like. And so I decided to add to my
• 11:43
  Speaker 2: offering of like my financial advice workshops, a female only
• 11:47
  Speaker 2: one because you know, when you get women together, they
• 11:51
  Speaker 2: support each other. And yeah, the She's on the Money
• 11:54
  Speaker 2: workshop was born. And then I thought, let's make a
• 11:57
  Speaker 2: Facebook group because all of these women we could like chat, like,
• 12:00
  Speaker 2: we could ask these questions and like back each other.
• 12:03
  Speaker 2: If we had like a platform we could all connect on.
• 12:05
  Speaker 2: If you've been to one of my workshops, joined my
• 12:07
  Speaker 2: Facebook group, so like, if you went to one of
• 12:09
  Speaker 2: my early workshops, you know that my last slide was
• 12:12
  Speaker 2: always like a stay connected and it was like a
• 12:15
  Speaker 2: link to my Facebook group. And yeah, when that Facebook
• 12:19
  Speaker 2: group got big, got to like seventeen hundred people, I
• 12:23
  Speaker 2: remember thinking that was the most amount of people in
• 12:25
  Speaker 2: the entire universe. Beck Like, I just thought that was
• 12:27
  Speaker 2: so many people. It's close too. Yeah. I asked them
• 12:29
  Speaker 2: what they wanted, and they said video content and I
• 12:32
  Speaker 2: said absolutely not, like I hate being in front of
• 12:34
  Speaker 2: the camera, hypocritical. Now a right, look at it. I'll
• 12:38
  Speaker 2: give you a podcast. And so we went down that
• 12:40
  Speaker 2: route and then just never stopped. And I guess that's
• 12:42
  Speaker 2: where She's on the Money was born. But I think
• 12:44
  Speaker 2: a lot of people assume She's on the Money came first,
• 12:47
  Speaker 2: and then I built a business from that. But the
• 12:51
  Speaker 2: financial advice or the like more fuddy duddy legitimate business
• 12:55
  Speaker 2: has always been my like base or my foundation.
• 12:58
  Speaker 4: Yeah, okay, is such a beautiful origin story.
• 13:02
  Speaker 2: Thanks, I think, yeah, absolutely, I hadn't really ever thought
• 13:06
  Speaker 2: about it. But I find it funny when people are like, yeah,
• 13:08
  Speaker 2: it's so good that she's like built a business off
• 13:09
  Speaker 2: the back of She's on the money, and I'm kind
• 13:11
  Speaker 2: of like, well, no, like Zella, and its success meant
• 13:14
  Speaker 2: that I could do She's on the money and for
• 13:17
  Speaker 2: literal years, Beck, She's on the money made no money.
• 13:20
  Speaker 2: It actually cost me a lot of money. And that
• 13:22
  Speaker 2: money came from my financial advice business because I felt
• 13:25
  Speaker 2: like that was an investment that I was making. Yeah,
• 13:28
  Speaker 2: and it was something that I was so passionate about
• 13:30
  Speaker 2: I wanted to support. Now it definitely makes money and
• 13:33
  Speaker 2: it employs eight women full time, which is so cool.
• 13:37
  Speaker 2: But yeah, the financial advice business or now mortgage broking business,
• 13:41
  Speaker 2: I think is my bread and butter and where I
• 13:43
  Speaker 2: would say I spend most of my time. Yeah, people
• 13:46
  Speaker 2: again find very surprising.
• 13:47
  Speaker 4: I just think it's so lovely that really all you
• 13:49
  Speaker 4: want to do is teach people, and in particular women.
• 13:52
  Speaker 2: I'm obsessed with it, Beck, Like you know what, I'm like,
• 13:55
  Speaker 2: I'm like, I'll get you off air and I'll be like,
• 13:56
  Speaker 2: sit down, we're doing this. Can we talk about this? Like, oh,
• 13:59
  Speaker 2: you mentioned you're doing this? Is that the best decision? Like,
• 14:02
  Speaker 2: I just just want people to be in the best
• 14:04
  Speaker 2: possible position.
• 14:05
  Speaker 4: Absolutely that's so beautiful. Now, moving on, when you first
• 14:09
  Speaker 4: started She's the money. What made you think, Okay, this
• 14:11
  Speaker 4: could actually be something. Was there a moment or something
• 14:14
  Speaker 4: people were doing where you kind of realized people actually
• 14:17
  Speaker 4: want this?
• 14:18
  Speaker 2: Yeah? It was the Facebook group. Yeah, okay, so it
• 14:20
  Speaker 2: was literally that number seventeen hundred is like so solidified
• 14:24
  Speaker 2: in my head because I just remember thinking, like, can
• 14:26
  Speaker 2: you imagine seventeen hundred people in one room? Like huge exactly,
• 14:30
  Speaker 2: and like our numbers now in comparison astronomical, and I'm
• 14:33
  Speaker 2: so proud of it. But I just remember being like, wow,
• 14:37
  Speaker 2: like that's so many people. What should I do? And
• 14:40
  Speaker 2: it was at that point that I thought maybe we
• 14:42
  Speaker 2: could be a podcast, maybe we could do something. And
• 14:46
  Speaker 2: I mean initially I thought that the podcast would literally
• 14:48
  Speaker 2: be twelve episodes and that would be it. And then Beck,
• 14:51
  Speaker 2: if you had any questions, I'd send you back to
• 14:53
  Speaker 2: one of those twelve episodes that I'd done and you
• 14:56
  Speaker 2: could have the advice there. I thought that that would
• 14:59
  Speaker 2: be it, and that's why it's so funny. I actually
• 15:01
  Speaker 2: get a lot of messages about this. People were like,
• 15:03
  Speaker 2: weren't you involved with Shameless Media at the start? But yeah, absolutely,
• 15:08
  Speaker 2: And I think people think there's tea there to share.
• 15:10
  Speaker 2: They're like, oh, like, what happened nothing, Like we're still
• 15:15
  Speaker 2: on good terms. I just engaged them to produce the
• 15:18
  Speaker 2: first twelve episodes because I didn't know how to make
• 15:20
  Speaker 2: a podcast, and they were lovely and beautiful and all
• 15:23
  Speaker 2: of those things. But when the podcast literally blew up
• 15:27
  Speaker 2: and did really well, I don't think any of us
• 15:29
  Speaker 2: anticipated it to do as well. And they were a
• 15:32
  Speaker 2: thriving business that didn't have capacity to do another season
• 15:35
  Speaker 2: of the podcast when I wanted to, so I did
• 15:39
  Speaker 2: it myself. And that's the tea pic. I think people go, oh, well,
• 15:43
  Speaker 2: what happened there. It's like, well, they had some really
• 15:47
  Speaker 2: cool options on the table for them at the time,
• 15:50
  Speaker 2: and they'd already signed off on them. Like remember when
• 15:53
  Speaker 2: they did like Bumble podcast and like that love Like
• 15:57
  Speaker 2: they did so much cool stuff and their actual podcast
• 15:59
  Speaker 2: was thriving, Like they just didn't have capacity to do
• 16:02
  Speaker 2: another season and edit it all and you know, do
• 16:05
  Speaker 2: the hard yards with cheese on the money, so I
• 16:07
  Speaker 2: outsourced it and just did it myself.
• 16:09
  Speaker 4: That is not nearly as juicy as I'm so.
• 16:12
  Speaker 2: Sorry, Like I'm sure like if I called them up
• 16:15
  Speaker 2: and said, hey, let's make some juice out of this. Yeah,
• 16:18
  Speaker 2: we could find something.
• 16:19
  Speaker 4: You find something, We'll find something something up for me.
• 16:21
  Speaker 2: Would you yeah, okay, sorry, no, it's okay, okay.
• 16:25
  Speaker 4: Next question, Yes, if you were to start another business
• 16:29
  Speaker 4: in all your spare time, of course, because you have
• 16:31
  Speaker 4: so much spare time, what would you be looking at
• 16:34
  Speaker 4: to indicate it's a good business idea before moving forward
• 16:37
  Speaker 4: with it?
• 16:37
  Speaker 2: Oh, Beck, I want another business, but I feel like
• 16:41
  Speaker 2: it's like having children, Like at what point do you
• 16:44
  Speaker 2: just not have capacity for more? If I was to
• 16:47
  Speaker 2: do another business tomorrow, I would love it to be
• 16:50
  Speaker 2: product based. And I'm taking this question in two ways.
• 16:54
  Speaker 2: I'll answer it in a more general way in a
• 16:56
  Speaker 2: hot second. But like if it was me, i'd want
• 16:57
  Speaker 2: to do product and oh my god, I'd want to
• 17:00
  Speaker 2: do stationary like stationary Oh yes, Beck, Like I don't
• 17:04
  Speaker 2: think anyone saw that coming, But I'd want to do
• 17:06
  Speaker 2: like notebooks and planners and post it notes like all
• 17:10
  Speaker 2: of these, like esthetic ones like I would want like
• 17:13
  Speaker 2: little letter writing kids, like you know, really good quality
• 17:17
  Speaker 2: tactile paper, and like journals that you actually want to use,
• 17:21
  Speaker 2: like that are really well planned that like, don't just
• 17:24
  Speaker 2: do your diary, they do like your budget, Like these
• 17:27
  Speaker 2: are things that I would love to do in the future.
• 17:29
  Speaker 2: And I think it would work because I have an
• 17:32
  Speaker 2: audience who are already interested in that and they know
• 17:34
  Speaker 2: I love making a plan, like I don't think it's
• 17:37
  Speaker 2: a secret. I love organizing, I love planning. I love
• 17:40
  Speaker 2: a container like I think that that would bring all
• 17:43
  Speaker 2: of that together for me. And that's why I think,
• 17:46
  Speaker 2: you know, I would look at it and go, well,
• 17:47
  Speaker 2: that hopefully would work, and if it didn't work, I'd
• 17:50
  Speaker 2: have a really good time because up until now, the
• 17:52
  Speaker 2: businesses I've run a not product based, like I've never
• 17:56
  Speaker 2: apart from my books, never gotten to hold something in
• 17:59
  Speaker 2: my hands and be like, this is my product I
• 18:01
  Speaker 2: can sell, Like it would just be cool to see people,
• 18:05
  Speaker 2: you know, putting my product in their handbag and stuff
• 18:08
  Speaker 2: like that. But if I was to look at a
• 18:11
  Speaker 2: product and I didn't have a pre existing audience or
• 18:13
  Speaker 2: a business, and I was trying to work out whether
• 18:15
  Speaker 2: it was a good idea, I would really be working
• 18:18
  Speaker 2: out my community first. I would be wanting to look
• 18:21
  Speaker 2: at like, okay, cool, who am I actually serving here?
• 18:23
  Speaker 2: Because it's going to be much harder for you to
• 18:26
  Speaker 2: start a business if you're going to be trying to
• 18:29
  Speaker 2: convince someone that your product is important, Whereas if you
• 18:33
  Speaker 2: can create a community and then service their needs and
• 18:37
  Speaker 2: take them on the journey, you won't be selling. You'll
• 18:40
  Speaker 2: be responding to a need that your community has. So
• 18:44
  Speaker 2: I think working out, well, what problem does this product solve? Like,
• 18:48
  Speaker 2: what does this provide? How does this work? I think
• 18:51
  Speaker 2: is the question you need to be asking yourself. And
• 18:54
  Speaker 2: it's a hard question because sometimes you're wildly passionate about
• 18:57
  Speaker 2: something and it might just be you. So we need
• 19:00
  Speaker 2: to be a little bit more pragmatic about going Well,
• 19:04
  Speaker 2: let's just like look at this, like if I scaled this,
• 19:06
  Speaker 2: how many people are going to buy it? If I
• 19:08
  Speaker 2: did this, how many people want that service? And what
• 19:11
  Speaker 2: would their expectations be if I did offer it like time, energy, effort,
• 19:16
  Speaker 2: like the client experience. What does that all look like?
• 19:19
  Speaker 2: And I think that that's what I would be looking at.
• 19:22
  Speaker 4: Yeah, okay, so V when She's on the Money was
• 19:24
  Speaker 4: still a baby brand. How did you get people to care?
• 19:27
  Speaker 4: What did you do in the early days? It actually
• 19:29
  Speaker 4: helped you grow your audience.
• 19:31
  Speaker 2: I feel like that's a good one. But I don't
• 19:33
  Speaker 2: think I was trying to get you to care back right,
• 19:35
  Speaker 2: I think I've always taken the stance that I don't
• 19:40
  Speaker 2: need to convince you that you should care about my business,
• 19:43
  Speaker 2: Like if you do, that is so fantastic, and like,
• 19:47
  Speaker 2: come in, have a cup of tea, enjoy the time
• 19:50
  Speaker 2: that you have with us. But like, I'm not trying
• 19:53
  Speaker 2: to convince you that I'm the right business for you,
• 19:56
  Speaker 2: because I think that when brands do that, they often
• 19:59
  Speaker 2: die their value because they're trying to appeal to everybody.
• 20:03
  Speaker 2: Like I'm acutely aware that she's on the money isn't
• 20:06
  Speaker 2: for everybody, and I'm okay with that. I'm not trying
• 20:09
  Speaker 2: to be everything to everybody, because when you do, you
• 20:11
  Speaker 2: can't service the community that you have. So I don't
• 20:15
  Speaker 2: think I've ever been trying to convince people to care.
• 20:19
  Speaker 2: But if you're in my community, I am love bombing
• 20:24
  Speaker 2: the shit out if you, you know what I mean, Like,
• 20:26
  Speaker 2: once you're in, Like, I'm not trying to convince you
• 20:29
  Speaker 2: to care. I actually care, Like I care so much
• 20:32
  Speaker 2: about my community, and like I think anyone who's been
• 20:36
  Speaker 2: in my community knows that anyone who has been in
• 20:39
  Speaker 2: my team is like, oh no, Like v absolutely walks
• 20:42
  Speaker 2: the walk, and that's something I'm really proud of. But
• 20:45
  Speaker 2: I think that, yeah, I'm not trying to convince you
• 20:49
  Speaker 2: to care about my business. I'm actually trying to convince
• 20:52
  Speaker 2: you to care about yourself because I'm wildly passionate about
• 20:55
  Speaker 2: financial literacy and putting you in the best possible position.
• 20:58
  Speaker 2: And just like the way people light up when they
• 21:01
  Speaker 2: have more power, like that gives me so much gratification,
• 21:04
  Speaker 2: Like knowing that beck Is is probably getting a little
• 21:07
  Speaker 2: bit like not emotional but like ego maybe sure, But
• 21:13
  Speaker 2: like the idea that when I'm like sixty, there are
• 21:16
  Speaker 2: going to be women who are also sixty who are
• 21:19
  Speaker 2: retiring comfortably because they got advice from me. Yes, that's
• 21:23
  Speaker 2: so cool. That's very very cool. That's changing an entire generation.
• 21:28
  Speaker 2: And like, to me, just having an impact is why
• 21:31
  Speaker 2: I do what I do. And like, I'm not here
• 21:34
  Speaker 2: to convince you to care about my business, Like I don't.
• 21:36
  Speaker 2: If you don't like it and it's not for you,
• 21:38
  Speaker 2: move over, because there's somebody else I can be looking after.
• 21:42
  Speaker 2: There's somebody else I can provide immense value too. And
• 21:45
  Speaker 2: if it's not you, that's cool. Yeah, that's fine, that's fine,
• 21:48
  Speaker 2: that's fine. So how did I convince people to care?
• 21:51
  Speaker 2: I think by caring more about them than about what
• 21:55
  Speaker 2: they thought about me. I think profound. I don't know
• 21:58
  Speaker 2: if it's profound, but yeah, beautiful. I'm trying. I'm not
• 22:02
  Speaker 2: very articulate when you're asking questions about me, am I
• 22:05
  Speaker 2: a bit.
• 22:05
  Speaker 4: Like, oh no, you're doing a great job, and that's
• 22:08
  Speaker 4: why I do want to finish it.
• 22:09
  Speaker 2: Okay, all right, Well what else? If you got okay?
• 22:12
  Speaker 4: I want to know what do you think the difference
• 22:14
  Speaker 4: is between people who run a business and people who
• 22:16
  Speaker 4: build a brand, Like what actually separates the two.
• 22:19
  Speaker 2: That's a hard question to answer because I think that
• 22:22
  Speaker 2: they can be harmonious. But if you're building a business,
• 22:26
  Speaker 2: you're probably just thinking about okay, cool, I have my niche,
• 22:30
  Speaker 2: I have my product, I have my service. I just
• 22:33
  Speaker 2: one plus one equals to and then sales and profit
• 22:36
  Speaker 2: and revenue. Right. But I think when you're talking about
• 22:39
  Speaker 2: building a brand, you're zooming out from all of that.
• 22:41
  Speaker 2: Like that's important because you're not going to have a
• 22:43
  Speaker 2: sustainable brand if you're not caring about any of that,
• 22:46
  Speaker 2: but you're actually really diving deep into the community, what
• 22:50
  Speaker 2: people need, how you can serve them, what that looks like,
• 22:54
  Speaker 2: what real connection in your community looks like. And that's
• 22:58
  Speaker 2: what it takes to build a brand. And like if
• 23:01
  Speaker 2: I say, Heybeck collec list off some brands, more often
• 23:04
  Speaker 2: than not you will list off like oh, added US
• 23:08
  Speaker 2: and Apple and whatnot. And there's a very clear delineation
• 23:13
  Speaker 2: between a business and a brand when you can tell
• 23:16
  Speaker 2: me what that brand makes you feel, what that brand
• 23:18
  Speaker 2: makes me think, Like what do you think their vibe is?
• 23:21
  Speaker 1: Like?
• 23:21
  Speaker 2: You know what the answer is to all of those
• 23:23
  Speaker 2: You're like, oh yeah, Like Apple's kind of cool, it's edgy,
• 23:26
  Speaker 2: it's tech, it's this, you know what I mean? Like,
• 23:29
  Speaker 2: there's a vibe to these things. And a brand is
• 23:32
  Speaker 2: going to have people lining up for whatever you're about
• 23:35
  Speaker 2: to sell them. But a business is going to have
• 23:38
  Speaker 2: you trying to convince people that you are needed. So
• 23:41
  Speaker 2: from my perspective, building a brand is essential in twenty
• 23:46
  Speaker 2: twenty five. It's not about building a business and being
• 23:49
  Speaker 2: like yep, by service a need full stop like you
• 23:51
  Speaker 2: can do that. You could probably make millions doing that,
• 23:53
  Speaker 2: and that's fine, But if you have a product based
• 23:56
  Speaker 2: business or even a service based business, building a brand
• 23:59
  Speaker 2: is giving your business a personality. It's giving your business
• 24:03
  Speaker 2: a reason people want to connect with your business, not
• 24:07
  Speaker 2: just your product.
• 24:08
  Speaker 1: Yeah.
• 24:08
  Speaker 2: Yeah, so that's I don't know if that is. That
• 24:11
  Speaker 2: definitely does. I wish I got some of these questions
• 24:13
  Speaker 2: so I could have googled it and been like a
• 24:15
  Speaker 2: little bit more philosophical. But you get what you get apparently, Oh.
• 24:18
  Speaker 4: My god, and I'm happy with it.
• 24:20
  Speaker 1: Yeah.
• 24:21
  Speaker 4: There's like something like you know, you go to you
• 24:23
  Speaker 4: walk down the road and you see like those little
• 24:25
  Speaker 4: shops that fix your phone, and then you're like, you
• 24:28
  Speaker 4: need them when you need them. That's a business.
• 24:30
  Speaker 2: But then like.
• 24:31
  Speaker 4: Apple is kind of teasing something. We're lining up for
• 24:35
  Speaker 4: that exactly, see what you're saying. Yeah, that's a fantastic point.
• 24:39
  Speaker 4: How do we get people to line up for what
• 24:40
  Speaker 4: we're giving? And often it's about community and connection.
• 24:44
  Speaker 2: That's gorgeous.
• 24:45
  Speaker 4: Okay, what's something you did imperfectly at the start that
• 24:47
  Speaker 4: had a big impact and how do you stop perfectionism
• 24:51
  Speaker 4: from holding you back? Do you know what?
• 24:52
  Speaker 2: I was so rogue at the beginning, Like I think
• 24:56
  Speaker 2: because she's on the money really started in that Facebook group.
• 25:00
  Speaker 2: I was like, it's just Facebook group, No one's paying
• 25:02
  Speaker 2: to be here, doesn't matter, Like I was just posting
• 25:05
  Speaker 2: rogue stuff, like nothing inappropriate, but just like here's all
• 25:08
  Speaker 2: this stuff I have on super and it's full of
• 25:10
  Speaker 2: like spelling mistakes or like it was like me making
• 25:13
  Speaker 2: a graphic on my Microsoft PowerPoint and then screenshotting and
• 25:16
  Speaker 2: using that as the image to explain to you like
• 25:18
  Speaker 2: it was not perfect, like my first logo I made
• 25:22
  Speaker 2: on Microsoft PowerPoint and screenshot it and uploaded it like
• 25:26
  Speaker 2: it should be right, mate, Yeah, because I kind of
• 25:28
  Speaker 2: never thought it would be a really serious business. And
• 25:31
  Speaker 2: then when it became serious, I became a perfectionist, and
• 25:34
  Speaker 2: then I got analysis paralysis over like putting out perfect
• 25:37
  Speaker 2: content and making sure that things were really well. And
• 25:40
  Speaker 2: I still struggle with that. It's why I'm not showing
• 25:42
  Speaker 2: up at the moment on TikTok in the way that
• 25:44
  Speaker 2: I want to, because I'm like, well, how do I
• 25:46
  Speaker 2: create this content that they're asking me for? And my
• 25:49
  Speaker 2: team literally back like you know this, they shake me
• 25:53
  Speaker 2: and I literally like, Victoria, you're already doing it on
• 25:55
  Speaker 2: your Instagram stories. Like but for some reason. I just
• 25:59
  Speaker 2: want to make sure that if the video is going
• 26:01
  Speaker 2: to last longer than twenty four hours, like it's like
• 26:03
  Speaker 2: perfect or something. Yeah, fair, But you can see it's
• 26:06
  Speaker 2: holding me back, Like you know, I really want to
• 26:09
  Speaker 2: connect with the audience that I have built it and
• 26:12
  Speaker 2: hopefully will build into the future on TikTok, where like
• 26:15
  Speaker 2: I'm just shooting myself in the foot because I just
• 26:17
  Speaker 2: have this expectation of myself now that she's on the money,
• 26:20
  Speaker 2: is a business and does have a following. I just
• 26:22
  Speaker 2: don't want to mess it up. So I didn't do
• 26:25
  Speaker 2: anything perfectly at the start. I really did a done
• 26:28
  Speaker 2: is better than perfect kind of vibe, and I think
• 26:32
  Speaker 2: that as that started to happen, I started to put
• 26:34
  Speaker 2: more pressure on myself and I wish I could like
• 26:36
  Speaker 2: step back and be a little bit more imperfect. But
• 26:38
  Speaker 2: I think just trial and error and being honest with
• 26:41
  Speaker 2: yourself is the best way to run a business. Test
• 26:45
  Speaker 2: it doesn't work, don't do it again. So I trying,
• 26:48
  Speaker 2: like I'm all about testing things like oh cool, let's
• 26:51
  Speaker 2: get a free trial of this software, see how it goes.
• 26:54
  Speaker 2: If it doesn't work for me, delete no. Will you
• 26:57
  Speaker 2: know if you don't try exactly totally.
• 27:00
  Speaker 4: Okay, let's take a really quick break, because I feel
• 27:03
  Speaker 4: like I've thrown so many questions at you just a couple,
• 27:06
  Speaker 4: and I feel really bad about it. So I'm gonna
• 27:08
  Speaker 4: go how little bad. I'm going to leave, have a
• 27:09
  Speaker 4: little mental break, and when we come back, we're talking
• 27:12
  Speaker 4: about what She's the Money did differently, the stuff that
• 27:14
  Speaker 4: no one talks about, and the one thing more businesses
• 27:17
  Speaker 4: should be doing but probably aren't. Okay, guys, we are back,
• 27:25
  Speaker 4: and I need to know what did She's the Money
• 27:27
  Speaker 4: do differently that helped it grow the way it has,
• 27:29
  Speaker 4: And what's one underrated thing you wish more businesses focused on.
• 27:34
  Speaker 2: I think when we started She's on the Money, I
• 27:38
  Speaker 2: didn't realize how necessary She's on the Money was like,
• 27:42
  Speaker 2: we're talking to an audience of women who haven't felt
• 27:45
  Speaker 2: included in finance conversations until now. And I mean, there
• 27:50
  Speaker 2: are a lot of options on the table now when
• 27:52
  Speaker 2: it comes to finance content creators, and that's great, Like
• 27:55
  Speaker 2: I actually love that because the more content that you
• 27:59
  Speaker 2: can absorbed when it comes to money, the better. But
• 28:02
  Speaker 2: I think that we were offering a space where people
• 28:05
  Speaker 2: felt like they could have these conversations like it used
• 28:09
  Speaker 2: to be gate kept by the mediocre, middle aged white
• 28:13
  Speaker 2: man who was using an acronym here and there, because
• 28:15
  Speaker 2: it made you feel like you weren't in the loop
• 28:17
  Speaker 2: or in the conversation or didn't understand. And this stuff
• 28:21
  Speaker 2: isn't complicated, like and I say that in the nicest
• 28:24
  Speaker 2: possible way, because if you're finding it complicated, that makes
• 28:27
  Speaker 2: sense because you've never focused on it before. But once
• 28:30
  Speaker 2: I've taught you, once you have learned, you go, oh,
• 28:33
  Speaker 2: that's easy. V. Like I liken it to being able
• 28:36
  Speaker 2: to ride a bike, Like at the very start, it's hard.
• 28:39
  Speaker 2: You're going to fall off, Like you might graze your knee,
• 28:41
  Speaker 2: you might have a really hard time. It might be
• 28:44
  Speaker 2: really stressful, like you don't want the person teaching you
• 28:47
  Speaker 2: how to ride the bike to let go because you
• 28:49
  Speaker 2: might fall over, Like it's really scary. But then you know,
• 28:52
  Speaker 2: once you've learned how to ride a bike, you can
• 28:54
  Speaker 2: get on one after ten years and ride it with
• 28:57
  Speaker 2: no issues. And I think that that's what finances, like,
• 29:01
  Speaker 2: like you've never learned, why would you know how to
• 29:03
  Speaker 2: do it? But then all of a sudden, it just
• 29:05
  Speaker 2: becomes inherent and it becomes second nature and it's not hard,
• 29:09
  Speaker 2: and that's what I mean. It's not complex. And I
• 29:11
  Speaker 2: feel like, for literal years the space has been made
• 29:16
  Speaker 2: up of people who have made a lot of money
• 29:20
  Speaker 2: from taking advantage of your naivity, and I find that gross.
• 29:25
  Speaker 2: And so I think that's why I've worked so hard
• 29:28
  Speaker 2: to have Sheese on the Money and have a space
• 29:31
  Speaker 2: that women feel accepted and can ask the quote silly
• 29:37
  Speaker 2: questions because they've never had someone that they've felt safe
• 29:40
  Speaker 2: to ask those questions too. It's funny. I did an
• 29:43
  Speaker 2: Instagram Q and a last night beck and someone asked me, like,
• 29:46
  Speaker 2: why are all your team members female? And I was like,
• 29:49
  Speaker 2: how cool is it that I have been able to
• 29:52
  Speaker 2: create a space in a sector that is dominated by men,
• 29:56
  Speaker 2: that is entirely run by women. That's cool, That's cool. Yeah,
• 30:00
  Speaker 2: Like I don't want to change that, Like it's not
• 30:03
  Speaker 2: actually my recruitment strategy, but maybe it should be. But
• 30:08
  Speaker 2: at the end of the day, like we have women
• 30:10
  Speaker 2: running my mortgage broking business. There's like sixteen of them
• 30:15
  Speaker 2: running a mortgage breaking business, and then there's you know,
• 30:17
  Speaker 2: eight of us in She's on the Money and we're
• 30:19
  Speaker 2: all just women. And we're killing it and I love that,
• 30:23
  Speaker 2: and I think that is yeah, we're just walking the
• 30:27
  Speaker 2: walok So when it comes to you know, she's on
• 30:30
  Speaker 2: the money and what we've done help us grow, I
• 30:33
  Speaker 2: think it's about staying true to our roots, like we are.
• 30:36
  Speaker 2: At the end of the day, she's on the money.
• 30:38
  Speaker 2: And you know, I have had regrets before and been like, oh,
• 30:41
  Speaker 2: I wish I didn't call it she's on the money
• 30:43
  Speaker 2: because it's not, you know, as inclusive as it could be.
• 30:46
  Speaker 2: But I feel like once people are in our community,
• 30:49
  Speaker 2: they know I don't get who you are. You're a guy,
• 30:50
  Speaker 2: and you resonate with my content, it'slaking come in. I
• 30:53
  Speaker 2: don't care. It's for you as well. If you resonate
• 30:56
  Speaker 2: with my content, you are welcome. But I would say
• 30:59
  Speaker 2: when it comes to to like an underrated thing that
• 31:02
  Speaker 2: we didn't focus on early enough and that other businesses
• 31:06
  Speaker 2: could focus on, I would say, is like that email
• 31:09
  Speaker 2: marketing side of themes? Yeah, okay, So you know how
• 31:13
  Speaker 2: like you get on social media and you see heaps
• 31:15
  Speaker 2: of followers and you just think that's really impressive. They're
• 31:18
  Speaker 2: not necessarily your customers. They're not necessarily brought into the journey.
• 31:22
  Speaker 2: They just hit follow and you don't actually own them
• 31:24
  Speaker 2: like Instagram does or Facebook does or TikTok does. And
• 31:29
  Speaker 2: so for me, I think it would be about owning
• 31:31
  Speaker 2: my audience sooner so that if any of those platforms
• 31:34
  Speaker 2: went down, like go, I have your email, don't worry.
• 31:36
  Speaker 2: I can keep you in the loop. I can email you,
• 31:38
  Speaker 2: I can create a one on one connection. So I
• 31:42
  Speaker 2: think that that's where a lot of companies are not
• 31:45
  Speaker 2: making hey while the sun is shining, like especially if
• 31:48
  Speaker 2: they have like videos going viral and stuff, collect that
• 31:52
  Speaker 2: content like make them your community as opposed to just
• 31:56
  Speaker 2: a community that follow you on social media, which is
• 31:58
  Speaker 2: not yours. Yeah, yeah, that's yeah, that's what I think. Cool.
• 32:02
  Speaker 4: Okay, now you said email list, I did. Do you
• 32:05
  Speaker 4: have any tips on growing an email lists? Okay, making sales.
• 32:08
  Speaker 2: I think that when it comes to growing your DM,
• 32:11
  Speaker 2: a lot of people are really focusing on this idea
• 32:14
  Speaker 2: that that is really content heavy, Like, oh my goodness, Beck,
• 32:18
  Speaker 2: I'm going to have to, you know, send them a
• 32:19
  Speaker 2: newsletter every week, and that's a lot of work and
• 32:22
  Speaker 2: I don't have time for that. But like, you don't
• 32:24
  Speaker 2: have to send out a newsletter every week, Like you
• 32:27
  Speaker 2: can literally do whatever you want because it's your business.
• 32:30
  Speaker 3: Beck.
• 32:30
  Speaker 2: Yeah, true, but for me, I would you know, if
• 32:34
  Speaker 2: I was just starting. I want to treat people who
• 32:36
  Speaker 2: join my email list as like the vps, because they've
• 32:39
  Speaker 2: like given you their information to contact them, so like,
• 32:43
  Speaker 2: don't spam them, don't abuse that, but like tell them
• 32:47
  Speaker 2: that they're the vps, like send them a welcome email
• 32:50
  Speaker 2: to be like, hey, you know, it could be you,
• 32:52
  Speaker 2: Like you've got your small business on the side, Beck,
• 32:55
  Speaker 2: and you are very creative, but like you could do
• 32:58
  Speaker 2: an EDM where people sign up and you go, hey,
• 33:01
  Speaker 2: thanks for signing up. I'm Beck. Here's what to expect
• 33:04
  Speaker 2: from me. Like I'm rogue, I do crufts, I do art,
• 33:07
  Speaker 2: I do all of these things. I'm not going to
• 33:09
  Speaker 2: blow up your inboxing list. It's really important and you're
• 33:13
  Speaker 2: my VIP and you're on this VIP list, so if
• 33:16
  Speaker 2: I do anything cool, you're going to be the first
• 33:18
  Speaker 2: to know about it. Yeah totally, Okay, So like, okay,
• 33:21
  Speaker 2: you set the expectations and then maybe you're just updating them.
• 33:25
  Speaker 2: So like you don't even have to send out a
• 33:27
  Speaker 2: weekly or even a monthly email, but like you do
• 33:29
  Speaker 2: something call beck you make a new creation, maybe you
• 33:32
  Speaker 2: send out an email because you're excited about it. Your
• 33:34
  Speaker 2: community want to share that excitement with you. Maybe you know,
• 33:38
  Speaker 2: flip it back to Sheese on the Money, Like I'm
• 33:40
  Speaker 2: so grateful that people join. I'm always sending free stuff
• 33:43
  Speaker 2: to them, like free spreadsheets, downloadable like savings trackers. Like
• 33:48
  Speaker 2: if I think of making something gol, I'm so excited
• 33:51
  Speaker 2: to have a business that I can do this. But
• 33:52
  Speaker 2: like I'm making a savings tracker and then my team
• 33:55
  Speaker 2: are sending it out to you, Like, make it something
• 33:59
  Speaker 2: that they want to be a part of, because then
• 34:02
  Speaker 2: ultimately down the road that can become your sales funnel.
• 34:06
  Speaker 2: Those are people that want what you're giving. So I
• 34:09
  Speaker 2: think it's when it comes to like growing an email list,
• 34:12
  Speaker 2: I would always say give more than you take, Like
• 34:15
  Speaker 2: give them links to things like Beckett. Doesn't even have
• 34:18
  Speaker 2: to be like stuff, Like you don't have to give
• 34:20
  Speaker 2: them free art, but like if it was your email list,
• 34:23
  Speaker 2: you could give them a list of like your favorite
• 34:26
  Speaker 2: websites that you know have other art on them, or
• 34:29
  Speaker 2: it could be a book list like here's Beck's favorite books.
• 34:32
  Speaker 2: Like as a little hot tip like people are often joining,
• 34:35
  Speaker 2: especially if you're a small business, because of you individually.
• 34:39
  Speaker 2: Give them a little bit of insight, give them a
• 34:40
  Speaker 2: little bit of juice. They love that. And then when
• 34:43
  Speaker 2: it comes to making sales you've already made friends. Use
• 34:47
  Speaker 2: that VIP structure. Hey, you're my VOP. I've just released
• 34:51
  Speaker 2: this new printer. I've just done this and I'm going
• 34:53
  Speaker 2: to offer it to you first.
• 34:55
  Speaker 1: Yeah.
• 34:55
  Speaker 2: Yeah, man, social media can find out about it later.
• 34:58
  Speaker 2: Make them feel special. She knows that she's doing I
• 35:01
  Speaker 2: do try.
• 35:03
  Speaker 1: Well.
• 35:03
  Speaker 4: Thank you feud for all the insider trading knowledge. Yeah yeah, yeah,
• 35:07
  Speaker 4: don't ta keep it out of my back pocket. Yeah,
• 35:09
  Speaker 4: I don't tell anybody. No, I won't tell anyone. Let's
• 35:10
  Speaker 4: not even release this episode.
• 35:12
  Speaker 2: Actually.
• 35:12
  Speaker 4: Okay, so you've juggled a lot over the years, study, work, business, motherhood, life.
• 35:17
  Speaker 4: What do you go to tips, habits or mindset shifts
• 35:20
  Speaker 4: for not burning out when everything's happening at once.
• 35:23
  Speaker 2: Like, I can give you some tips back that work
• 35:26
  Speaker 2: for me, they might not work for you. But I
• 35:27
  Speaker 2: also need to disclaim this that I have burnt out
• 35:30
  Speaker 2: officially twice in my life, and I am not proud
• 35:33
  Speaker 2: of that. It's because I just lied to myself and
• 35:37
  Speaker 2: was like, this is fine. This is what all business
• 35:39
  Speaker 2: owners should be doing. They shouldn't be doing this back,
• 35:41
  Speaker 2: like I've ended up in hospital twice. I ended up
• 35:42
  Speaker 2: with shingles last time. One out of ten cannot recommend.
• 35:46
  Speaker 2: But I think it's about having a good idea of
• 35:50
  Speaker 2: what balance looks like to you, Like knowing what your
• 35:53
  Speaker 2: priorities are and what you want to prioritize, because I
• 35:57
  Speaker 2: think that often as a business owner, you assume who
• 36:00
  Speaker 2: you're meant to do a lot of things, Like I
• 36:02
  Speaker 2: used to beck assume that to be the best business owner,
• 36:05
  Speaker 2: I had to be the first one in the office
• 36:07
  Speaker 2: every single morning. I had to go to the gym first.
• 36:10
  Speaker 2: I had to be the first one at my desk.
• 36:12
  Speaker 2: I had to greet you all. I had to be
• 36:13
  Speaker 2: the one leaving last. Like all of these outdated ideas
• 36:18
  Speaker 2: that that doesn't mean anything. So I think that making
• 36:21
  Speaker 2: sure that you understand what helps you thrive. I think
• 36:24
  Speaker 2: it's so lame when people are like I just do
• 36:27
  Speaker 2: parlattis like great, that works for you, but like doing
• 36:31
  Speaker 2: that doesn't actually make you a better business owner. Understanding
• 36:35
  Speaker 2: that maybe moving your body physically is something that helps you.
• 36:38
  Speaker 2: For some people, they're like I can't think of anything
• 36:40
  Speaker 2: worse than going to a pilates class after a long day,
• 36:43
  Speaker 2: Like I want to go home and lay on my
• 36:45
  Speaker 2: bed for twenty minutes and mindlessly scroll on TikTok. And
• 36:48
  Speaker 2: that's valid too, So I think for me, my go
• 36:52
  Speaker 2: to like habits and tips are more about just like
• 36:57
  Speaker 2: having a structured calendar, making sure that those times that
• 37:01
  Speaker 2: you want to protect are carved out. Like my team, No,
• 37:05
  Speaker 2: I do not take meetings on Mondays or Fridays. End
• 37:08
  Speaker 2: of story. You can contact me. You can call me
• 37:10
  Speaker 2: and if I'm available at the time, I'll answer, but
• 37:12
  Speaker 2: like not always, and we have those boundaries in place
• 37:16
  Speaker 2: because I'm with my son, like I want to prioritize that.
• 37:20
  Speaker 2: But I also am aware that I run a business,
• 37:23
  Speaker 2: so I need to make sure that that's still thriving,
• 37:26
  Speaker 2: because in a way, that's a baby as well. When
• 37:28
  Speaker 2: it comes to mindset shifts, I just I'm one of
• 37:32
  Speaker 2: those hippiedp people that like thrives on gratitude, Like I
• 37:36
  Speaker 2: love gratitude and I feel like it brings so much
• 37:39
  Speaker 2: to my life, Like I'm just so lucky to be
• 37:41
  Speaker 2: able to do what I do. Like, I'm so lucky
• 37:43
  Speaker 2: to have my team. I am so lucky to have
• 37:46
  Speaker 2: the family that I have. Like, and often if I'm
• 37:50
  Speaker 2: overwhelmed and it's like three am and I'm like up
• 37:52
  Speaker 2: with my baby really late back, which is no fun,
• 37:55
  Speaker 2: I just go, you know what, Like, I'm so lucky.
• 37:57
  Speaker 2: There are so many people that would do what to
• 38:00
  Speaker 2: be in my position right now with a screaming baby.
• 38:04
  Speaker 2: And I also like try to zoom out and be like, oh,
• 38:07
  Speaker 2: this isn't fun. But like I can almost guarantee that
• 38:10
  Speaker 2: if I was eighty, sitting in my rocking chair on
• 38:14
  Speaker 2: the front porch of my house, reflecting on life, I
• 38:16
  Speaker 2: would give anything for one more day here. Yeah, like
• 38:19
  Speaker 2: how cool, Like think of me at eighty. I would
• 38:22
  Speaker 2: love to go back and podcast for another day. Or
• 38:25
  Speaker 2: I'd love to go back to my team and see
• 38:27
  Speaker 2: what do you know what I mean? Like, I think
• 38:29
  Speaker 2: that when you can shift your mindset and like that's
• 38:31
  Speaker 2: not easy to do, but when you can shift your
• 38:33
  Speaker 2: mindset and make it really resonate with yourself, that's helpful.
• 38:37
  Speaker 2: And that's true. It might not work for you, but
• 38:39
  Speaker 2: that really works for me. So I think gratitude and
• 38:41
  Speaker 2: being able to go, oh my god, like I'm so lucky.
• 38:45
  Speaker 2: And I have a list in my phone. I have
• 38:47
  Speaker 2: like it's pinned to the top and it's like good
• 38:49
  Speaker 2: things happen to good people, and then I just write
• 38:51
  Speaker 2: down good things that happened to me. It's gorgeous. Lame. No,
• 38:54
  Speaker 2: that's not lame at all. I really like that. Okay,
• 38:57
  Speaker 2: v finally, okay, last one. Oh my goodness.
• 38:59
  Speaker 4: And it's only because we've run out of time and
• 39:02
  Speaker 4: not because I don't have many more questions.
• 39:04
  Speaker 2: So if people want more, you're gonna go fishing and
• 39:08
  Speaker 2: be like did you want me to do that?
• 39:10
  Speaker 4: I think the burning question right now for everyone is
• 39:13
  Speaker 4: how much was Scooby?
• 39:14
  Speaker 3: Oh?
• 39:14
  Speaker 2: It was like do you know what it was? Like
• 39:16
  Speaker 2: gold coins? I think it was two gold coins, so
• 39:18
  Speaker 2: like you know, like I think it was like three
• 39:20
  Speaker 2: dollars because it would be mad. Yeah, well I needed
• 39:24
  Speaker 2: three at least, because like I needed that for the
• 39:26
  Speaker 2: canteen at school. Oh clever. Yeah that's good. I feel like,
• 39:30
  Speaker 2: as a kid, you can't ask for notes. No, that's true.
• 39:33
  Speaker 2: Notes are like you don't feel like they have this
• 39:35
  Speaker 2: yeah much value. I honestly, I wish I could go
• 39:38
  Speaker 2: back and like remember this properly. But I'm pretty sure
• 39:42
  Speaker 2: it was really dependent on your colors too. So if
• 39:44
  Speaker 2: you wanted like the scoobies, I don't know if you
• 39:46
  Speaker 2: remember them, like you would like braid them. And I
• 39:49
  Speaker 2: made bracelets and I made key chains, and people would
• 39:52
  Speaker 2: put the key chains on their pencil cases at school.
• 39:55
  Speaker 2: I think it was color dependent. So if you wanted
• 39:57
  Speaker 2: two colors, it was like, I think, like three dollars,
• 39:59
  Speaker 2: and if you wanted like more colors, it was like
• 40:01
  Speaker 2: four dollars or something. Oh, that's so cool. I don't
• 40:04
  Speaker 2: know if bracelets or like keychains were more or less.
• 40:07
  Speaker 2: I can't remember. Like I didn't provide the keychain part,
• 40:09
  Speaker 2: just the scooby part and you had to attach it
• 40:11
  Speaker 2: yourself just of course. Yeah, like I'm not an actual
• 40:14
  Speaker 2: business guys.
• 40:15
  Speaker 4: Sorry to Tricky. That was not the last question. Yes,
• 40:17
  Speaker 4: so there is one more question.
• 40:19
  Speaker 2: Yes, what is it?
• 40:20
  Speaker 4: And this one is I feel like a good one
• 40:22
  Speaker 4: to end on. What are your favorite time saving hacks?
• 40:25
  Speaker 4: And what do you automate?
• 40:26
  Speaker 2: Oh? I automate everything. What's my favorite time saving hack?
• 40:31
  Speaker 2: Having a great team? Is that a good time saving hack?
• 40:34
  Speaker 2: We're done? No, Honestly, I think time saving hack is
• 40:38
  Speaker 2: just having clear process so like everybody is on the
• 40:42
  Speaker 2: same page about how we do things what we do
• 40:44
  Speaker 2: so whether that is creating the podcast or if that
• 40:47
  Speaker 2: is in my mortgage breaking business, like in my mortgage
• 40:51
  Speaker 2: breaking business, where you have automated so much like emails,
• 40:55
  Speaker 2: like the second you book in with us, you get
• 40:57
  Speaker 2: an automated email that triggers to send to you to
• 41:01
  Speaker 2: go okay, cool, thank you so much for booking their
• 41:04
  Speaker 2: Here your links here is like a link to our
• 41:06
  Speaker 2: clients center that you need to fill out. And I
• 41:08
  Speaker 2: would say that saves us a lot of time because
• 41:10
  Speaker 2: like you don't have to send that individually out to clients.
• 41:14
  Speaker 2: And on the flip side, like when clients beat a
• 41:17
  Speaker 2: certain trigger point, like they've finished their loan and we've
• 41:19
  Speaker 2: settled their loan and we're so excited. Like one thing
• 41:23
  Speaker 2: that obviously helps me is like positive reviews, Like we've
• 41:26
  Speaker 2: automated an email to go out to our customer or
• 41:30
  Speaker 2: our client that goes, heybeck, like we would love it
• 41:33
  Speaker 2: if you would leave us a review. And just like
• 41:35
  Speaker 2: stuff like that saves us so much time and it's
• 41:39
  Speaker 2: like one and done, like you just write it the
• 41:42
  Speaker 2: first time, and then we upload it and like tweak
• 41:45
  Speaker 2: it all make sure that it like feels personal. Like
• 41:48
  Speaker 2: there are things that can be automated. So yeah, maybe
• 41:51
  Speaker 2: email automation is genuinely like such a time saver. The
• 41:55
  Speaker 2: same thing for like onboarding of new clients Fishies on
• 41:59
  Speaker 2: the Money, Right, So, like if you sign up on
• 42:01
  Speaker 2: our website to get a free thing like all of
• 42:03
  Speaker 2: those emails that you get automated with your downloadable, Like
• 42:07
  Speaker 2: I don't have to send it to you because you're
• 42:10
  Speaker 2: like you're dming me being like hey, can I please
• 42:12
  Speaker 2: have that spreadsheet? Like that would be an admin nightmare.
• 42:15
  Speaker 2: We've automated it. And then also just like automation of experience. Yeah,
• 42:20
  Speaker 2: so like as I said, before, you know, you join
• 42:24
  Speaker 2: the Shee's on the Money mailing list, You're going to
• 42:26
  Speaker 2: get an automated email. I promise. I've put a lot
• 42:29
  Speaker 2: of love into it. But it's going to set the expectations.
• 42:31
  Speaker 2: It's going to outline exactly who we are, what we do,
• 42:35
  Speaker 2: what you can expect from us. And I think that
• 42:37
  Speaker 2: that is something that a lot of businesses don't do
• 42:39
  Speaker 2: because they go i'll do it later, I'll do it later.
• 42:42
  Speaker 2: But it's so easy and add so much value and
• 42:45
  Speaker 2: ultimately makes us more money. Like, let's be honest, Like,
• 42:49
  Speaker 2: the more engage your community, the more they feel like
• 42:51
  Speaker 2: you are communicating with them, the more sales you are
• 42:54
  Speaker 2: going to get.
• 42:55
  Speaker 4: So to be blunt, automation cool. Okay, Okay, time is money.
• 42:58
  Speaker 2: Well, I mean I do think so, and automation means
• 43:02
  Speaker 2: that money can be made when you're not spending your time.
• 43:05
  Speaker 2: That's fantastic. Let's end there.
• 43:07
  Speaker 4: Yeah, fantastic place to end it. Thank you so much,
• 43:09
  Speaker 4: VIDI so thank you so much for sharing the behind
• 43:13
  Speaker 4: the scenes. Again, It's always such a great chat with some.
• 43:15
  Speaker 2: Of you feel like it goes really rogue because you
• 43:17
  Speaker 2: have really long lists of questions and then I yap
• 43:20
  Speaker 2: for too long and you're like, Victoria, I didn't get
• 43:21
  Speaker 2: to ask all my questions, and I'm like, well, I'm
• 43:24
  Speaker 2: not sorry. But if people are super excited about, you know,
• 43:27
  Speaker 2: small business and talking about what happens and like even
• 43:30
  Speaker 2: if you're interested in automation. I actually did a YouTube
• 43:34
  Speaker 2: series recently, which is new for me. I don't do
• 43:36
  Speaker 2: a lot of video and if you guys don't go
• 43:38
  Speaker 2: and watch it, I won't be doing a lot of
• 43:39
  Speaker 2: video in the future. But I did a YouTube video
• 43:42
  Speaker 2: with a company called Constant Contact, and they have been
• 43:45
  Speaker 2: honestly fantastic to work with. You know, those people that
• 43:48
  Speaker 2: you just like vibe with, yeah, and you connected with
• 43:50
  Speaker 2: and you're like, I like you guys, and their product
• 43:53
  Speaker 2: is elite, so it's so easy not going to lie
• 43:56
  Speaker 2: to work with them. So I'll link that in the
• 43:57
  Speaker 2: show notes. But that's a lot about like small business,
• 44:00
  Speaker 2: setting up your email system, like how to actually add
• 44:03
  Speaker 2: value to your community, and like it goes back to
• 44:06
  Speaker 2: honestly a lot about brand, you know how we're talking
• 44:09
  Speaker 2: about the difference between a business and a brand before,
• 44:11
  Speaker 2: Like building a brand is really hard and there are
• 44:15
  Speaker 2: lots of things that you need to kind of like
• 44:17
  Speaker 2: make sure you're focusing on. So we've tried to add
• 44:19
  Speaker 2: heaps of value in those videos, So make sure that
• 44:22
  Speaker 2: they're in the show notes. But we've also got a
• 44:24
  Speaker 2: heap more small business content coming up with them, because yeah,
• 44:29
  Speaker 2: I just feel like I vibe with these guys and
• 44:31
  Speaker 2: they were like, would you do some like small business
• 44:33
  Speaker 2: stuff with us? Absolutely say less, yeah, heck yeah. As
• 44:36
  Speaker 2: you learned from this episode, born to yap about small
• 44:39
  Speaker 2: business haha.
• 44:40
  Speaker 4: If you love today's episode, make sure you're following the show,
• 44:43
  Speaker 4: leave us a review and send us to someone who's
• 44:45
  Speaker 4: sitting on a side hustle but needs a nudge. Will
• 44:48
  Speaker 4: be back next week, and yes, the How Victoria Got
• 44:51
  Speaker 4: out of Debt episode is still on the list.
• 44:53
  Speaker 2: Don't you worry, We'll see you again on Friday.
• 44:56
  Speaker 3: By Guys the If by shared on She's on the
• 45:04
  Speaker 3: Money is general in nature and does not consider your
• 45:07
  Speaker 3: individual circumstances. She's on the Money exists purely for educational
• 45:11
  Speaker 3: purposes and should not be relied upon to make an.
• 45:14
  Speaker 2: Investment or financial decision.
• 45:16
  Speaker 3: If you do choose to buy a financial product, read
• 45:18
  Speaker 3: the PDS TMD and obtain appropriate financial.
• 45:21
  Speaker 2: Advice tailored towards your needs.
• 45:23
  Speaker 3: Victoria, Divine and She's on the Money are authorized representatives
• 45:27
  Speaker 3: of Money. Sheper pty LTD ABN three two one six
• 45:32
  Speaker 3: four nine two seven seven zero eight AFSL four five
• 45:36
  Speaker 3: one two eight nine