What the Host of One of the World's Biggest Finance Podcasts Actually Does With Her Own Money

25:47And that's what good budgeting is. Then we need to understand our retirement plans. So not sexy, but sorry, do you want to work for the rest of your life? It's also really stressful if you haven't thought about it. And then it's the kind of thing that wakes you up in the middle of the night. Yep. And as you get older. And I think we need to reframe it as well because people like you or I, we just have, and especially women in business, I'm sorry, retirement. I'll stop working when I'm dead. And I'm so passionate about it that I can't imagine a time where I lay back in a recliner and read a book.

26:23I'd read it for 30 seconds and then be like, oh, hey, in that book, they were talking about this. And I reckon that's a business idea. So that's not my journey. But what resonates with people is financial freedom. do you want the financial freedom to be able to read that book and also start another business should you wish to do you want the financial freedom to be able to sell your business or you know get a new job at the whim of your choice as opposed to being constrained to nine to five Monday to Friday because you have to pay the rent so I think that trying to understand these fundamentals is essential and that's what I give away for free because I will always help you with your budget.

27:01I will always help you make sure that you have the right insurances, that you know how to save. I have six million free savings plans. But when it comes to taking it to the next level and getting rich AF, great. Well, that's when you probably have a free bit of cash flow. I don't need to give my whole investing strategy away for free when I could make it a course, make it interactive, make it stupidly valuable. And then you are also probably going to be more committed to that outcome as well. Like it's very cool that we get to do it. But I think that for me and in my team, I always call them like the hygiene factors, the things that we have to just do as a business, because that's the right thing to do.

27:41And it keeps our house clean. Then it's the like sugar on top and the things that I can commercialize without feeling like people are going to miss out on financial literacy. I'm going to put links in the show notes to a lot of these free tools as well. Thank you. Yeah, absolutely. I think people need to get onto these because, I don't know, like we talk about, when we're talking about entrepreneurship and building businesses, we can talk a lot about the strategy of actually building the business. But then it's kind of like at the end of the day, your goal in business is to make money. And that's what differentiates a business from a hobby.

28:11And it's like, what do you do with that money? And how do people afford to start businesses? and I think that being able to have, like you said, this like financial hygiene in place or this business hygiene in place. Like we've just got to have a clean house. You've got to have a clean house and so that you know, it just like frees up the mental space to be able to like execute in your business I feel as well. 100%. It's like when you work from a messy office, all you can think about is tidying up your office before you can be productive and finances are the same. So how on earth are you going to be good at finances inside your business when you can't even understand how much you spend on your groceries every week.

28:46Like start small and it starts strong. And that's where we're not going to get ourselves into trouble down the track when it comes to business taxes or paying staff or knowing when to scale because we're not overwhelmed with money conversations. We've been having them with ourselves basically every single day. So the most successful women are good at money. And I think that often we are shamed away from being good at money because like, oh we should just be passionate like no sorry I actually want to be rich and I want everyone in my community to be rich and I want us to be wealthy and I want to create that with you and we shouldn't feel shamed about wanting to earn more money you know what I am I had a I've got a business coach who I've been working with for quite a long time and she's amazing her name's Barbara I'm going to link her in the show notes too if anyone wants wants to book her but she and I have been talking for a long time going round and round about the goals for the business forever about where I want this to go and the vision and all of that.

29:42And for the first time this year, one of the goals was a, was like a salary that will not a salary, but like what I wanted to take on for myself. And she was like, that is the first time you have mentioned the money that you are taking out of the business as a goal. And I was like, that is fucking crazy. I've been doing this for years. I was just like talking like top line growth and impact and what the community gets. And then it took me four years to actually define what do I financially want to get out of this business? What is that like mental thing that was in my head that was stopping me from thinking like, what do I need to extract?

30:18I think a lot of us, when we own our own businesses, we feel bad taking from the business because we should be passionate, right? We should be grateful that we are able to not be in the nine to five Monday to Friday rat race. Like we shouldn't be talking about getting rich. We should be talking about adding value. And that is bullshit because at the end of the day, if your cup is ridiculously full, you know what happens? It overflows into everybody else's cups. But if yours is empty, you're always running on dry. You're not ready to create content. You're not feeling as energized by it. You might feel run into the ground by your business.

30:52That's not cool. That's not what we're here to do. So I think for me, finances are so important from the get go. It doesn't matter if you can't even pay yourself that salary. Like, let's pretend you're like, I really want to earn 200 grand a year from this business I'm starting. Isn't that so cool that we have a number we can work backwards from? Where the hell is that 200 grand coming from? Because it's one thing to build a business based on passion, but another to go, okay, cool. So I know if I'm like, let's take my business, for example, I have a podcast, you know, I also have a whole heap of stuff, but let's pretend that they don't exist right now.

31:26And it's back in 2019 when it was just me. I've got this podcast. okay well how else could I inject cash into the business I could do speaking events I could run workshops okay what is my capacity around those what would I have to charge to get close to my income goals okay how do I make that sustainable because my speaking events are my time and that's quite limited and as time went on you know I got married I had a kid like my values change how do I create more of a passive income that still resonates with my audience? And that's where courses have come from. How on earth are you meant to be building out your business to create more income if we don't have income goals?

32:07Yes. But everybody wants to make more money, but then we're not willing to talk about the actual goal of making more money. So for me, when I first started She's on the Money and Zella, my salary was like$38 ,000 a year. Once I started taking one, which was after I had employed my first staff member in She's On Money. How long did it take to start taking money from the business? Oh, like another 18 months after I had a staff member because like just overheads, like we ended up having like more expensive rent than I'd anticipated. You know, podcasting spirals. It's one minute you're on the floor with a sock over a microphone, cutting episodes on your own laptop by yourself.

32:48and the next you're hiring studios and getting videographers and having a professional producer like it just spirals and that's good because that's success right that's how we've been able to commercialize the podcast but that involved investment and I remember taking$38 ,000 a year because I was like that's going to pay my rent that's going to I lived with my now husband that's going to contribute to the bills and the groceries and I feel like good about that is that doing above and beyond? No, but I'd always had in my head, I wanted to earn more than$200 ,000. And to me now I look back on it because like the income of the business does definitely surpass $200 ,000 a year.

33:26I remember being like, wow, to me at that time, that was massive. Like the idea I could take a salary of 200 grand Jasmine was mind blowing. And so like being able to even land market while we look back, I go, yeah, remember when I earned 38 grand? Remember when I set this financial goal and smashed it. And so then I was like, wonder if I could like take home half a million dollars one year, crazy smash it. Like it's just so fun and also gratifying. But then also when I'm talking to other women, it's like kind of like a blueprint, like you could do this too, but you don't get to start at being a million dollar course owner.

34:03You don't get that. That's, that's not a given, but like 38 ,000, maybe you could do that too. And what happens when you get there. You've probably created the systems and the structures in your business to make that sustainable. So, well, what's next? You speak with women about money every day. That's what you're doing. You've been doing it for years. And I'm curious what some of the, I guess, like the biggest mistakes or the biggest questions that people have that keep coming up. And can you let us know what those are and the advice that you give? The first one's really boring and it's just not understanding your budget.

34:37Yeah. Like how good are we if I said to you and like let's pretend you don't budget at all and I said how much do you spend on fashion? You'd be like oh I don't know like a couple of hundred dollars a month conservatively and then if we dove into it like it might be way more than that but you're like oh but that only happens like once a year but you have a big blowout. Like we don't actually have our finger on the pulse with what actually happens with our money and that gets us in a lot of trouble because we might blow out a credit card with the intention of paying it off. But then we forgot that next month our rego is due or the month after that.

35:09Yeah, that's right. My housemate's moving out and I have to pay double rent. So we really underestimate the power of money because we think, oh, well, more will come. The other thing is just it's not even financial, but it does come back to finances. And it's just women not backing themselves, staying in jobs they hate because they really don't have the confidence to move and don't believe in themselves. But like you look at them and you go, you are killing it. Like you are so smart and you are so able to do this next job. Why the hell haven't you moved? It's really around confidence. And I think that, you know, we haven't, it's only been in Australia the last 50 years that women have actively been able to participate in the economy was 50 years ago that my family members, your family members had to get a mail to co-sign on a bank account.

35:57Same in the US, women couldn't get a credit card until 50 years ago last year. Yeah. Isn't that insane though? So the fact that we are so behind. One generation. Yes, but it still lingers. It's not necessarily an awful thing for us today, but we need to remember that like, that's where these patriarchal societies come from of like, women don't know as much and like, it just flows through. And then we really doubt ourselves because of it. But like, sorry have you ever seen women with more money do worse yeah no women who have more money help their communities women who have more do more and are more men who have more money they create wars like I just think that I think we need to back ourselves so much more than we do I'm curious about you and like your financial glow up and like how your life has changed because you started this you know you talk about 38 000 a year what you're paying yourself and now you've got two thriving businesses, you own real estate.

36:55And I want to know what has shifted in your life as you've unlocked these new levels of financial freedom. I would just say more freedom. Yeah. Like it's crazy. What do you do differently in your time? Or like, how do you feel differently as you move about your day? Anything? I don't. Oh yeah. Yeah. Yeah. Yeah. Like if I look back, I got into literally, I had a personal loan of$40 ,000. I traveled, I bought clothes and shoes. I wish I could tell you there was a really good reason why I had that debt but it wasn't it was over consumption and I used to just wake up stressed about money I can still tell you that my rent I lived in a share house$883 a month yeah like I can tell you that because that number stresses me out still like if we if we go back to that space my money story is such that I would be stressed about being able to pay my rent pay my loans I didn't tell anybody I was in debt so even the housemates I lived with they'd be like do you want to go out for brunch and I'd be like yeah of course and I'd be putting it on a credit card because I'd already paid off my loan repayment and my rent that month and I just didn't have any more wiggle room.

37:58And that still to me is really real, which is probably why you've heard me say things like I'm really averse to debt. It's because I've had that journey and I don't want to take on more debt than I need to. But then I also have the privilege of education and I understand that for me, leveraging debt can leverage my wealth. So that is still a really scary concept, irrespective of whether I understand it fully or not. So that has played into me not like my husband and I have a credit card, but we use it for points and I'm a psycho about paying it off. My husband's like, yeah, I chucked retro on the on the credit card.

38:33I'm already on my banking app transferring the money to make sure that there's no debt sitting there because it just gives me anxiety. It means that we've made different decisions than a lot of other people might around property. I'm very lucky or no luck is a bad word. I think we're not lucky. I'm very privileged and I've worked really hard to be able to afford two homes. So I live between a beach house and a city house and I'm very grateful for that. But recently we went to purchase a new house and the conversation that was happening around that wasn't oh we can't afford it it was we can but we don't want to afford this yes we need to dispose of one of these properties because in order to move up into a bigger one like I'm just not comfortable carrying that level of debt and I got a lot of and I'm very transparent online about this journey I got a lot of questions because people were like that house is beautiful because like I shared the journey and I was like this is the reno we did on it this is the glow up it's had and we're going to put it up for auction so many people were like Victoria that would rent out so well.

39:36And you're right, it would have. But I didn't want to have that level of debt. And that's not part of my wealth creation journey, because I just don't want to be in a position where, you know, if something bad happened, I didn't have the cash flow to be able to pay my way out of it. Like, I don't want to end up in a position where I'm so over leveraged and something. It's that catastrophe mindset still, right? So I think that's why it's also so important to understand your own money mindset because right now life you know it's a little bit stressful we're moving money around we're trying to buy a new house like it's it's a privilege but my my time is freedom so like having staff having a team that are absolute legends means this morning on a Thursday I got up with my husband we walked down to the beach with my son on his tricycle we went to the cafe I had an acai bowl a coffee I wandered home I got ready and I came to a podcast while my business was still working while my assistant's texting me asking me oh is this right is that not everything is just tracking in the background and to me that's crazy like I don't think I'll I think a lot of people might look at it from the outside and be like oh she probably takes that for granted do you know how many times I look at my husband on a weekly basis I'm like we're so lucky aren't we like I never want to lose that so my life does definitely look very different but that was purposeful.

40:59It wasn't like I accidentally woke up and now I have more time. I had to work 90 hour weeks to get to a point where I could start having more time. Amazing. I want to know a little bit more about Zella. So this is not a type of business that I think we've ever spoken about on the show. We're talking with a lot of like sexy tech founders. Oh yeah, no, my business isn't sexy. But tell me about what you're doing and how you build a business like this. Yeah, So mortgage broking in Australia and in the US is a massive business, right? Like the average consumer cannot be expected to go to 40 different options and weigh up which loan is the best loan for them when purchasing their first home.

41:42Here in Australia, we have lots of grants and different schemes that not only do you need to apply for, but you might not be aware of. So going to a broker, I would say an independent broker, not a broker through an individual bank, is putting your best interests first when it comes to building wealth through property. The cool thing about brokerage in both Australia and the US is that the banks pay us. So as a client, the service is free. You come to me, I work everything out. Once you have your loan, the bank splits a part of their profit that they make from writing that loan with me as the broker for settling that loan, because they don't have to pay marketing.

42:22They didn't have to go, they didn't have to get off their couch to go and get another client, I'm bringing them to their door. So there's a lot of value for clients. But then on the flip side, there's a lot of value as an individual creating a business because I'm not relying on you, Jasmine, to pay me. Like I am going to get paid if I settle loans. I'm not having to chase invoices or do anything like that. That's crazy because it's like such a clear, easy value add to the customer. Yeah. And you know what? There are certain types of customers that come in our door that I lose money on, right?

42:54So, and I'm always really transparent about that. It will still be free, but you know, if you've got a refinance and you already own most of your house and you're just coming to me for a hundred thousand dollar loan, the amount of time and energy I put into that, I'm probably going to lose money. But we give that customer the exact same treatment we do as one of our clients who last week bought an$8 million property because in terms of the loans, it's scaled. So the smaller loans acquire a smaller referral fee. The larger the loan, the larger the fee. So like those bigger clients that we get outweigh the smaller ones and it all just comes out in the wash to me.

43:31So everyone just gets treated the same. Building that for me was a choice after stepping out of financial advice because I no longer had the capacity to run a financial advice business and she's on the money, but didn't want to leave financial services. and I'd always had a mortgage broker which was kind of like the cherry on top for my financial advice clients because I would help my clients save, invest, work out how to get their first home deposit and then I hated the idea that I sent them to someone else to go and hold their hand in buying their first home. Like I wanted that joy and then I loved it so much that I decided to just do that.

44:06So we now write about half a billion dollars a year in loans across Australia. We only Service Australia. And yeah, like my plan is not to grow that business too aggressively because from my perspective, I've actually achieved the lifestyle and the incomes that I would like to. And I really like this balance that we have at the moment. In the future, that might change. Like once I'm through this period of having babies and growing our family and all of that, maybe I'll go, let's get aggressive and let's like scale it up and have a 50 person team. and I'm very, very lucky that the podcast and the She's on the Money ecosystem really support Zeller.

44:47So most of my clients come from that She's on the Money system where they've saved with me, they've done my savings, money masterclass, whatever. They've gotten their first home deposit. They've felt like I've been on that journey with them and they get to come into Zeller and buy their first home with me. I love it. Amazing. What's the team like? How many people? So there's just under 20 of them at the moment. That's a pretty big team. Yeah. I have six full-time brokers. And then for every broker, we have two administration staff. We then have a settlements officer and an offshore team as well.

45:17So you're running She's on the Money. You're running this other business. Like you're with me on a Thursday having a podcast. Like how are you doing this? So I would say the beautiful thing about my Zella business is mortgage brokers because they have a base salary, but they're also commission based are really self-motivated. So like I'm not often having to be like, hey, what are you doing? I'm checking in on you. Like I just look at my accounting software and I know whether you've been doing your work or not. I believe in giving adults that I employ freedom like adults deserve to have, right?

45:54Like I think there's this really beautiful mutual amount of respect and that business ebbs and flows. So sometimes I'm needing to get my hands dirty. There's a client that I need to escalate. I need to call banks, have arguments, work out what the hell's going on. And that's why my phone's always on. But on the flip side, I feel like I've created an administration structure that supports our brokers. That means I don't have to do a lot of that. And by admin structure, you mean the hiring or do you mean processes? I think internal processes. So hiring, I still struggle with. I hate hiring new staff.

46:31It's one of the reasons I don't want to grow because I'm just like, we have such a beautiful team. I don't want to rock the boat again. But making sure that we are, you know, if you look to other businesses that maybe also have six brokers, I doubt they would have two administration per broker supporting them. But the reason I do is because overall, better client experience, better outcomes, less stressed staff means less stressed me. And that feels like a little bit of a selfish choice. When you look at kind of payroll and what that means, it does definitely eat into more of the profits of the business.

47:05But for me, I look at it and I go, well, this is sustainable long term, as opposed to me chasing my tail and always trying to be the person who is chasing everything up. You know, inside our business, we have, we call her a settlements officer and Sal is a wizard. and a lot of broking businesses wouldn't even consider paying that role because the brokers should finish off their own clients. Whereas for me, once the loan has been completely formally approved, you've bought your house, you've gone to auction, you've signed a contract, that client actually gets handed over to Sal. The broker's in the background still being looped in, but she makes sure everything goes smoothly with your solicitors.

47:45If you've got a conveyancer, if there's anything else we need to do so that the brokers can then focus on their clients that are currently trying to get across the line. So we come back in and we celebrate with you, but they're not weighed down by that end of process administration. So for me, I kind of just check in. How are you going, Sal? Great. No worries. Is there anybody that I need to help, you know, push along the line? Great. No. Brokers, they all individually come to me, but there's no form of middle management either because we tried that and it just didn't work. This is such an interesting business model to me.

48:18And it just feels like as soon as you said you get paid by the banks, not by the customer. Yeah, everyone's always so surprised because I think they assume that when you go to a mortgage broker, there must be some type of fee associated. And in the industry, there are some mortgage brokers who do charge a fee. And does that mean they're bad brokers? No, they might actually be an individual broker that needs to work out, you know, you say, oh, I want a loan and they go, all right, well, our first appointment's$400. And if you're not willing to put your money where your mouth is, maybe you weren't ready to get the loan yet.

48:55So for some, it's a filtering of that like fact find process. Whereas for us, we are very happy to take on clients at any point in the journey. I have a few kind of quick fire questions for you. One of them is a strong opinion that you have about entrepreneurship that might be a little bit controversial. that it's not that hard you just have to have a little bit of delulu love that like your delulu has to outweigh your logic sometimes you still have to have logic but like I think a lot of people go oh I could never be an entrepreneur it's too hard and honestly I think a lot of us are here because we're like nine to five Monday to Friday way too hard like way harder give a job to a lazy person and we'll find a way around it and I think we really overthink this on I feel like the word entrepreneurship is quite formal and makes it sound like if I introduce myself as an entrepreneur than it is yes not you just are doing your own thing and that's sick and it's not that deep the idea of having a job is actually quite new like I there for most of history people did have they they were blacksmiths and their own little blacksmiths and there were farmers with their own little plots that they sold at the market.

50:06Like that people, like, I think it's like ingrained in humankind to be entrepreneurial. It's just, I think we now associate entrepreneurship with building a like SaaS business in Silicon Valley or something. And that's like not really what it is. And I think it's interesting as well, because you probably get a lot of people on this show who are like, yep, my next financial goal is really big and I want to grow my team and I want to do this. And you don't have to adhere to that. Like I have, I have built my business and like, I am fiercely protective of it. And people will be like, Hey V like, you've got this brilliant podcast.

50:39And like, we are so fortunate to have so many leads coming into the Zella business that I could hire three more brokers tomorrow and make that profitable. Yeah. I don't want to. And that's not me being self-absorbed. It's me protecting my peace and going, I want to be able to do a podcast if it pops up because this stuff is fun. I want to on a Thursday morning have my husband work a half day and we go to brunch. So how well adjusted are you that you know what contentment looks like rather than just like keeping on the treadmill for no reason? I feel like that comes down to understanding your money story.

51:14Like I understand what I want to put on the table. I have a very clear investment plan that I know that irrespective of my businesses, I could sell them up tomorrow and make zero dollars from both of them and I will be independently wealthy on my own I have invested enough to know that by the time I hit the age of 40 my husband and I could afford our mortgages that we have afford to send my kids to private school and not work another day in our lives and I think that when you have that clarity you're not chasing the next high you're not chasing the next big thing because what more do I need than that and I mean, there are probably a lot of people out there who are like, well, I want to get to a billion dollars or I want to have the biggest X, Y, Z.

51:57And having the background that I have in private wealth, I have seen the people who are billionaires. I have worked with them. I have been their financial advisor. And I can tell you right now, they're not that happy. The family issues, the more money you have, the more issues you have. And so for me, yes, I'm not shy about saying I would love to be wealthy and I want to be wealthy and I would say that independently we are now have I achieved everything I want no but I know with the cash flow that I'm currently achieving in my businesses I'm going to be just fine and so will my family and so will my legacy amazing if you're going to start over today and you didn't have an audience you didn't have right you know you're so much harder Jasmine oh my god what would you do what kind of business would you start?

52:42I would do another content business, I think. Just if you said I had nothing, I think starting product is, from my perspective, too risky and I'm relatively risk averse. Content is a lot about just finding your voice and finding a space that you feel safe and creating confidence. Like nobody innately just has confidence. We all doubt what we post online, but some of us just give more of a shit. So I think content would absolutely be it. Trying to find a niche of clients or a niche of a community that is currently missing something that I could fill that void from. Do you angel invest? I have before, but I don't have a lot of capacity at this point to do so.

53:25Well, you'd be getting hit up by people in your DMs if you said that that's something that you... I'm so interested in it, but I think that as somebody who has angel invested before, I don't just want to give you cash and watch you be successful. I also want to bring something to the table. Like I would love to, you know, in the future have that mentorship role of, you know, someone who's kind of replicating a business that I know deeply or might be a different chapter. Yeah, exactly. And can add value to. But at the moment, it's something that I've literally had to step back from and go, do you know what?

53:59That's probably not going to work out so well because I couldn't give the value. And yeah. What is the best business book that you've read that you recommend other people go go listen to on audio I know I wrote this down and I gave you what I said I was going to do but I see if you remember it no I'm not going to say that I'm gonna say this other book called it's called it's by Mike Michael Walski or something and it's about paying yourself first the book is called profit first yes and I am obsessed with it because I think that as founders, we are so like, no, I'm going to live tooth and nail and I'm going to do the least and live so minimally and put everything back into my business.

54:41And like, after reading that book, I was like, this man gets it. This man gets it. And you need to pay yourself first and have a profit in your business first to make it long-term successful. And so that it's sustainable. So I would probably say that. Is it the most inspiring book ever? Absolutely not. The other one that I didn't write down is it's a business book. It's an investing book. It's called The Richest Man in Babylon. It is the most dry book you'll ever pick up. You'll look at it and be like, Victoria, what on earth? Okay, well, I'm not going to read it then. You will. You'll love it.

55:19You'll goes back to how the richest man in Babylon got rich way back when we were blacksmiths and we were farmers and we were butchers and we had to all be relatively entrepreneurial this idea of investing and how to invest and what that would look like and that the people in those communities and societies were hoarding a little bit of wealth so that they could lend it out to other people and charge interest and then create more wealth and just this concept of taking advice from the right people. So one of the quotes I love from that book is you wouldn't take advice on buying diamonds from a bricklayer.

55:57And I always come back to that when I'm taking advice from literally anybody, because I think in 2025, 2026 is so hard because everybody online has an opinion and they're so confident. They say things with such conviction. You just go, well, it must be right. And even I get taken by TikTok videos and Instagram content and go, wow, I would love to do that. But you need to strip back and go, hold on. Are they giving advice on purchasing diamonds when they have no experience in purchasing diamonds? It's like, I'm so skeptical of this business coaching area because how many people are business coaches that have never built a successful business.

56:37So for me, I think as a business owner, I love telling people to read that. It can be dry, but I think as business owners, we go, oh, but it's good though. Okay. That's awesome. It's a good book because it kind of goes back to the bread and butter basics of investing. And that can be applied to every area of your life. The very last thing I want to ask you is for some tools, platforms, things that you're using to run your business that you recommend other folks try. I love Notion. I don't know if other people love Notion as much as I do. I feel like you're giving Notion. Like you seem like an organized, I feel like all the organized process-based people I know use Notion.

57:15Yep. Everybody, everybody in my team is on Notion. Like they know what I'm doing. Everybody has access to all of my Notion boards as well in my team. So if you want to know about my personal life, you just click on the VD personal and you know, like what I'm meant to be doing. You see my shopping lists. Like, and I think that that level of clarity really helps. We use Kajabi a lot for our online courses, which I think is a really fantastic tool, especially if you're starting up and trying to work out, well, how and where do I build a platform? Another tool that we use that I was talking about the other day that I just thought everybody was using was Repurpose.io.

57:50So Repurpose.io basically takes a video that you have posted one place and distributes it everywhere else. So like it will take out Instagram videos and put them on TikTok on Instagram or sorry on YouTube shorts on everywhere else but it will clip it, frame it, add the right tags, change the caption and distribute it so you're not replicating. We also have certain tags for when we upload our content. So if we're like no this one would not do well on TikTok, it's definitely an Instagram piece. It won't upload to that platform which is kind of helpful. And then the last one is Canva. I feel like everybody loves Canva.

58:31My graphic designer, Georgia, is going to murder me for saying Canva because she's not a Canva girly and she hates that I still use it. But as a founder, as somebody who still likes to get into the nitty gritty of my business, like if a pitch is going out to a new brand, I want to be part of that. 100%. And I don't like the idea of going back and forth to a graphic designer every time. So a lot of our pitch documents, a lot of our, you know, podcast outlines, they all live in Canva, to Georgia's dismay. She's designed them all up for me so that I can go in and just edit them. But that way I feel like I am really putting what I want out into the world as opposed to just something really curated.

59:12This has always been so helpful. I've loved hearing your story. I feel like we've been internet friends and met a few times. And I've just always been so curious about the nuts and bolts of the businesses that you've built. and an open book so just ask I think one of my favorite things is just being like oh no I do it this way like oh this is the program I use this is the software like I just I don't believe in gatekeeping yeah because you've actually got to do the work if you want to replicate it 100 % it's like take my ideas because it's like come and do this it's really hard yeah pop off I'm stressed also do you know how long it took me to pick Kajabi like I'm glad I could give that to you but like let me stroke my own ego for a second.

59:51It took months to get to that point of analysing literally every platform on the market. So if I can help you as a small business owner by being like, hey, this worked for me, I'm just going to do it. I love that about you. Thank you so much for coming on the show. Thank you for having me. It's been a pleasure. I just wanted to end the show with a quick shout out to all of our paid Business Besties subscribers. For$12.99 a month, you get access to a weekly live call with mentors who we handpick from this podcast community. These are founders who have been on the show, experts and operators that are helping to build their businesses.

1:00:24And we want to give you access in a small group setting on live calls every single week so that you can get the mentorship and advice that you need to take your business to the next level. In addition to the live calls and the community, you also get access to a big database of workshop recordings, group coaching call recordings, templates, contact lists, and just all of the tools and resources that you need to make this business a success. Head to bestie.femarfounderworld.com or the link in the show notes to sign up now.