687: Practical Money-Saving Tips for the Financial Feminist

26:15is that enough for me to live my life realistically? If it's not, let me give myself a little bit of a buffer. One of the other things that I don't think I've talked to you about, and I would love your insight. Yeah. I have this, I have this idea that there are two kinds of entrepreneurs or two kinds of people who are soon to be entrepreneurs. Yeah. One is that they have to fling themselves off the cliff. Jump in the net will appear. Yep. Yes. Yep. And they're like, you know what? I don't have either, you know, a fully fledged idea yet, or maybe just like, I don't have savings, but I'm going to figure it out.

26:46And then the other kind that has to have all of their ducks in a row in order to like give themselves permission. I am a number two, my a hundred K was like the permission slip I needed to quit my job. And even then like the universe, like made me quit my job. It was like, things got weird at work. Like I had to quit my job. And literally my friends were calling me and they're like, you hit your a hundred K. Are you ready to go? And I'm like, no, I just got to give us six more months. And literally the universe made the decision for me because I was so cautious. So that's the other thing is like, truly figure out what kind you are.

27:17And that doesn't mean, oh, I'm going to fling myself off a cliff, even though I don't know I'm that kind of person. Actually figure out like, am I the person who would feel better spending more time in my corporate job, but getting my savings together, getting my ducks in a row, understanding my ramen noodle number, sushi number, and getting that amount of money. or are you the kind that's like, I'm going to fling myself off the cliff and figure it out? Quick recommendation for you. If you love Gold Digger, check out My First Million, hosted by Sam Parr and Sean Puri. Brought to you by the HubSpot Podcast Network, My First Million features guests like Alex Ramosi, Sofia Amoruso, and Rob Dyrdek.

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28:31look I've become kind of a systems nerd and anything that gives me more space in my day I'm all in and a reliable connection is a huge part of that because when the internet lags or cuts out everything pauses and suddenly the simplest tasks take forever I learned really early on that dependable internet it's not a luxury it is a must whether you're a content creator like me a restaurant owner or running a busy dry cleaning business you need that steady connection to support your team and your clients. That's why I'm excited to share a solution for my fellow business owners. Spectrum Business keeps businesses of all types connected with internet, advanced Wi-Fi, phone, TV, and mobile services, all with connectivity solutions built for your budget.

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29:53Revolve just gets it though. I'm literally wearing my brown Autry sneakers from there right now and my new suede purse. It fits my laptop in it. So it's basically a fancy shoulder bag that works for everything. I love finding pieces like that. Things that look good, but also work hard for my actual life. Their holiday shop is live right now with all the good stuff. Sparkly party dresses, cozy sets, cute gifts, everything you need for whatever is on your calendar. and it's all in one place, which makes shopping feel way less overwhelming. Whether it's a weekend away, a big night out, or a holiday party, your dream wardrobe is just one click away.

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31:06No matter what your specialty is, there's a reason you're feeling pulled to the podcast space. So listen to those words. That's the universe maybe telling you something. You should start a podcast. Lean in and make a move. It's time to hit record and host your own show. I can help you craft one from scratch. Snag my totally free guide for podcasting beginners at jennacutcher.com slash start a podcast. That's jennacutcher.com slash start a podcast for my beginner podcasting guide. I always say it's like, there's the one, it's like jump in the net will appear and then the other people who are like weaving their net during the midnight hours.

31:45That's me, I'm a net weaver. That's me. um i'm like i need three nets i'm just like yeah yeah i'm not a big risk taker and this is so this is so good to her i have to tell you a funny story so i used to eat ramen noodles every single day so much so that my grandma bought me a large box of ramen for christmas they were like seven cents a pop my dad literally the other day sent me a picture he was eating ramen noodles he's like this made me think of you. And I was, I like literally laughed because I like loved them. So anyways, I was a very budget conscious kid because my parents could afford that.

32:22I love this. And I think it's really powerful. What you're saying is like, get really honest. I think so many people are so afraid to even like open the envelopes, open up their bank accounts, like just do an assessment. Like so many people don't even know where their money is going to, or how it's disappearing or what that looks like. let's talk about when you become an entrepreneur for so many entrepreneurs, there are ebbs and flows. You no longer get every two weeks, your bank is deposited around the same amount of money. Now, all of a sudden you might have really high seasons and like drought.

32:56What do you do from a financial standpoint in those situations? Yeah, this is a great question. And I wanted to highlight to really quick what you were talking about before. I want to say, if you are out there and wanting to be an entrepreneur, you want that so desperately, but you're not looking at your money. Like this is me giving you a little bit of like tough love and encouragement. Like you won't get there. Like you just won't. If you want this thing, but you refusing to like understand your financial picture, understanding how that plays into not just your personal finance, but your also potential businesses finances, like you will not do that.

33:31That will be impossible for you. So if the fear of money is holding you back from living this beautiful entrepreneurship dream life that you want, like look at your money. That's the first place to start. And again, I say that with all of the love and empathy in the world, because we actually have a, I almost said slogan, but like there's a metaphor in the personal finance community for this. And it's called the ostrich effect. You bury your head in the sand, you act like your problems don't exist. And then you just expect to keep on living your life. And it's like nothing changes in your life unless you change it.

34:02So if you do want to be an entrepreneur, you want to be an entrepreneur who's, who understands their numbers in order to both again, make an impact, but also get rich. You can't do that unless you're looking at your numbers. I will say, I always think about like Shark Tank. Like I'm so impressed when entrepreneurs go on and they can like say all these things. Yes. They have to. And I'm like, if every entrepreneur even just prepped for one day, pretending like they were going on to Shark to really do like an analysis of like, where are my leads coming from? How much do they cost? What is my average order?

34:34Like what all of these things, like you would have so much more clarity. And for me, I think entrepreneurship is a very like emotional thing and numbers to me, give me clarity. Like there's no confusing the numbers. So like it pulls you out of that, like spiral of like, can I do this? This is the best thing. This is the worst thing I am feeling. I am going to make it big. And like numbers just give you this concrete evidence of what is working and what isn't working. And so again, what you said about money being neutral, like your numbers can be neutral. They can just inform your steps ahead. And I feel like so many entrepreneurs like shy away from them because they attach so much emotion to them, but I'm like, remove that.

35:13And like, there's so much power in your numbers. So anyways. Yeah. And also again, I know we're on tangent, but people will, will say to me like, Oh, I'm the right brain creative. And like, I don't know my numbers, right. I'm not a left brain person. And like, I will asterisk that with like, yeah, at some point you probably need to get a left brain numbers person in, but when it's just you and when you're a solopreneur, I majored in theater guys, I majored in theater. I majored in theater and communications in college. I got a marketing degree basically. And then I majored in theater. People are shocked to hear that.

35:43They're like, you're a finance expert. And I'm Yeah. Yeah. You can have both and you need to, if you're not good at it right now, if you're not good at looking at your numbers, if you're not good figuring that out. And I'm just talking at the first, the first jump, just like, what are you bringing in? Like, it doesn't have to be like, how much does a lead cost? It's just like, what are you bringing in? And if you don't know that, I need you to know that. Okay. So your original question of like, how do we manage money when it's constantly fluctuating? I think I can probably speak for both of us.

36:12I know we're recording this in June, 2023. I know roughly how much the business is going to make in June of 2024. Like I know roughly how much we're going to make every single month, every single quarter, every single year. And that's not because like I can see into the future, right? It's because I understand the ebbs and flows of our business. Now that comes from some experience, right? That comes from me doing this now for a couple of years, but it's also me being smart with how I'm making strategic decisions. So if I have, let's say January is a killer month for me, right? And I know that March is not going to be as good.

36:56Well, I still have the same expenses, right? I still have the ramen noodle expenses. I, for me, have to pay my people. I have the subscriptions. I have the lawyers, right? I have just, you know, the general expenses. I know I need to be making at least that amount of money in order for the business to survive, in order for the business to keep going. So what I'm going to do is I'm going to hold some of that money. We call this like business reserves, right? Is I'm going to take some of that money and stick it in a bank account and just hold it. And it's almost like my emergency fund for my business, right?

37:26I have my personal emergency fund in case my cat gets sick or in case I get sick or in case I lose my job, right? And then I have my business emergency fund that is there if I have a rough month, if I lose a client, if something happens, right? Right. And you can be strategic in how you set this up in terms of, again, pulling money out of your more profitable months because you have made more money, taking that excess of profit and sticking it in an account that's there in case you need it, in case you do have a month that isn't great. when you are a solopreneur and you are like doing this, like, I don't know what money is coming in.

38:01Like, I have no idea month to month. And you're also trying to figure out what do you personally save? I always say that there, there's a level of automation you can do. I talk about automating your savings all of the time is setting up an automatic transfer from your checking account to your savings account. Again, this is a lot easier if you're like a W2, nine to five employee, because you're getting paid the same amount. It's a little bit trickier when you are running a business. So automate what you can. And then there is going to be some of that manual transfer because you're like, I'm not sure what money I'm going to get this month.

38:38The other thing that I want to highlight too, and you were mentioning about not being afraid of your numbers and embracing them. I was literally talking to my team member, one of our marketing members on our team yesterday about this. I view our numbers as a game and not, it's not a game. I don't take seriously. I take this very seriously. I know people's livelihoods are on the line for me though. It's like, Oh, we're five days out from the end of the month. Let me see if I can make 20 K like, let me see if I can do it. And if I can't, well, cool. I've still made 10. Like it's so actually rewarding to know your numbers because when you're in control of them, right?

39:12We were talking about before when you control your money, your money doesn't control you. And the second is it just becomes fun. It's like, let me see if I can tweak this one thing in my Instagram bio to make 2K more. Let me see if I can put our products on a flash sale and make a bunch more money. Let me see if I can, you know, nab a speaking client before the end of the month. Like it actually is so exhilarating for me because it's just like, it's like, if I pull this lever, what's going to happen? If I pull this lever, what's going to happen? And there's something again, so freeing about that because I'm in control.

39:45I'm in control of what happens. So if you haven't taken on that mindset of, again, like have a little fun with your money, have a little fun with your numbers of like, what, what kind of game can I play here? That's, that's actually such an incredible tool. I love that. I feel the same way where I'm like, let's just see, let's try, let's experiment. I think it makes it so interesting. And it also, like, if you do have a team, it like challenges the team to like actually see their work turn into something as a tangible result. one thing I'm curious your take on. And now that I'm thinking about this, I'm like, was this a good idea or a bad idea?

40:20So when I first started my business, I was a wedding photographer. So I would shoot for six months out of the year. And then there would be six months of pure winter where there was nothing happening. And so what I ended up doing is I put myself on payroll so that I had that consistency every two weeks. And what's interesting, Tori is even as my business scaled from 50 K to a hundred K to 150 K, I still paid myself the same amount, which was my salary from target because that was my sushi money. Like that. I knew I can pay my student loans on this. We can afford rent. We're good. Like I want to just like stockpile as much as I can so that heaven forbid anything happened.

41:01Is that a good strategy or a bad strategy? I would have done the same thing. I would have done the same thing. I think, yeah, I don't think it's a bad strategy by any means. I do think there is this balance, right? Because I know for you, again, you and I are similar where you would have the kind of restraint where if, you know, if I was the person who was paying you and I gave you 10 K more a month that you had, it would probably go into savings. Like I know you, it would go into savings. So if somebody's listening and they're like, Oh, I'm starting to make more money. Like I need you to have something to show for it.

41:33I was at a, like, I'm getting invited now to these like fancy New York dinners, which is like very flattering. And I love, and the first one I ever went to was like this time last year. And I showed up and it was like a bunch of like, you know, fashion bloggers and influencers and people who you all know. And I was sitting there and it was like, it was actually like talk about money kind of dinner. It was sponsored by one of our financial partners. And so like, it was like this encouragement to have conversations about money. And I remember sitting there, I was like the only finance expert there.

42:07And I was looking around the table and I knew that these women, largely in their twenties and thirties, you know, women of color, queer women, like disabled women, like they were making bank. Like I know what I'm making. And some of these women had more followers than me or were getting more opportunities than me. And I'm like, I know you're making a lot of money. And I had this thought where I was like, I don't know it though, if they have anything to show for it. And that's not their fault, right? Again, nobody's taught them this. But what I'm so worried about is that, you know, in this like boom of entrepreneurship that we're having, you know, after 2020, we're seeing more women and members of marginalized groups get into entrepreneurship and kill it, which I love, but it would be absolutely heartbreaking for me for these women to be making six, seven, eight figures and not know how to manage it, right?

42:58Not know, oh, I need to put money into investments and I need them to grow for me. Oh, I need to make sure that I'm making strategic hiring decisions to use this money in a way that is going to catapult my business. I don't know. And again, I was assuming, but like I had statistically like speaking, that table was probably a$50 million table, maybe more than that. And I'm wondering how much of that was actually going back into their pockets, sustaining them. They're sustaining their family, sustaining their businesses long term. And again, that wasn't anybody's personal moral failing or like their inability.

43:41It was just no one is teaching them this. So if you are that person who is, you know, privileged and lucky enough and works really hard and is making good money, I need you to have something to show for it, right? Put that money in something like a Roth IRA. A Roth IRA is a individual retirement account that you can set up. If you make too much money for a Roth IRA, there's 401ks, there's other options, but like, I need you to take it a step further. Don't have all that money sitting in a bank account. Don't spend all of it. Don't just ignore it because you're too scared. Like I need you to have something to show for all of that hard work and dedication.

44:18I became a millionaire by age 27 because I was able to take the money that we were earning and leverage it, put it into investments, allow it to grow for me and allow it to grow for her first hundred K. So just don't let the ostrich effect, don't let the fact that nobody taught you about money, which is, again, totally understandable. Don't let that keep you from progressing financially. when we were young we dreamed of castles and fairy tales and as we grow up those dreams might shift into building something real like starting a business you need a website payment systems a logo and a way to reach customers it can all be overwhelming and confusing but thankfully that's where today's sponsor shopify comes in shopify powers millions of businesses around the world and 10 % of all US e-commerce, from big brands to folks just getting started.

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46:54Can you believe that we're already wrapping up 2025? this year was packed with travel and so many new memories. One of my favorite moments was our team retreat in Arizona with the incredible women who helped me keep this business running. I also recently took the kids to Nashville during fall break and somewhere in between I squeezed in a trip to Puerto Rico with friends. We booked some of our most memorable stays this year on Airbnb. There's something special about finding a place that doesn't just look great in the photos but actually feels welcoming the moment you walk in. That this feels right kind of feeling.

47:27If you've got trips coming up, whether it's a family vacation, a retreat, or a work trip, your house will probably be sitting empty while you're gone. Have you considered hosting your home on Airbnb and letting it work for you? It's a simple way to earn some extra income that can be put towards a future trip or home improvement projects. Your home might be worth more than you think. Find out how much at airbnb.com forward slash host. So powerful. One question that I want to kind of close with is there are so many people listening that have one stream of income. Talk to those people because that, I mean, that's generally how everyone starts, right?

48:08You're passionate about a thing or you have an idea or you have a product or service or offer. You go out, you make money doing that one thing, but so many people stop there. And one revenue stream is too close to zero for comfort. Talk to me about that because even the things you're talking about really are just different streams of revenue, different places that can be working for you. And so what would you say to someone who's listening who has just one stream of revenue? I will asterisk all of this with, I am not a proponent of hustle culture. The side hustle in and of itself is this kind of glamorized thing when for plenty of people, it's just called a second job and it's just because they need to survive.

48:49So I want to highlight, like if that is you and you are working hard and you're doing the best you can, I applaud you. You don't need a second source of income. You need societal support. Like that's so important for us to talk about is again, like I was mentioning before with personal finance, it's about 20 % your personal choices and 80 % your circumstances and what's going on in the world and lack of government support, lack of, again, an increased minimum wage. So if you are the person who's just working one job or is working multiple to survive, I see you, you're doing great. For those who do have a little more flexibility and who are either business owners or who are like voluntarily doing the side hustle because they do want to like become a business owner someday.

49:32Like you said, there's something so powerful in knowing, okay, not only in your numbers, but knowing, okay, if this revenue stream were to disappear tomorrow, I'm gonna be good. Right. And this is what I was talking about where money makes you uncontrollable, right? If I have to fire a client or if a client fires me, I know I'm going to be okay. Right. I know that the business and me are going to be okay. So when we are thinking about income streams, like perfect example, and it's literally going to be your business plan. So it's going to be pretty obvious. But if we're talking about wedding photographers, right?

50:01For you, it was like, I'm shooting six months out of the year. I go dark the other six months. Well, what can you be doing? Okay. Well, not only do plenty of people need wedding photographers in person, but maybe you can branch out to say, oh, I'm going to shoot not just weddings, but I'm going to shoot engagements or elopements or what is it when you do pregnancy announcements, right? I'm not a mom. Can you tell I'm not a mom? I'm like pregnancy something. Maybe I can shoot graduations. Maybe I can shoot bloggers, right? That is a varied sources of income, but it's still you doing it. Right. So how do we like start to remove Jenna from the picture?

50:37Right. Where she's not doing as much active work. Well, how about I coach other wedding photographers? It's going to sound very, very, very similar. It's going to sound very interesting. How do I coach other wedding photographers? Right. How do I teach what I'm doing? People ask me all the time, like, how do I pose for photos? I don't know how to pose for photos. Cool. I'm going to create an ebook about how to show up best on camera. Cool. Oh, oh, I am in the wedding industry and I see all of the things that people do that are terrible on wedding day. And I see a bunch of things that people do that are great.

51:08How about I make a guide? The wedding photographer's guide to your perfect wedding day. Something like, right? Like there are ways that you can diversify that income. And I see a lot of people, you know, are doing the thing that they do really well, but they don't understand like, oh, I can do something digitally or virtually or passively that allows my income to increase. I was a money coach. That's how I started was I would literally sit down with people at my Starbucks 10 minutes away and coach them about money. And I live in Seattle. We would literally go to Seattle. It was only people in Seattle, right?

51:43And that's a limited market. So what I was doing though, was in that coaching, one, I was increasing my own confidence, but two, I was understanding how do I, you know, communicate this more effectively. I was almost beta testing, but getting paid for it. So then what happened is I realized with all the love in the world, everybody was talking to me, asked 95 % of the same questions. Like they thought their experience was unique, but really like they were asking the similar things. So I took that coaching and created a workshop and that workshop was still my time. But instead of one person, well, now it was virtual and it was$97.

52:20So I could have 50 people there. And then when that workshop was tested, I created a course out of it so I could sell that passively. Right. There's a way that you can even doing what you do now, continue to do it, but then think like, what is the next step of me getting a little less involved? And then you do that for a while. And then what's the step of me getting like way less involved. And when you're thinking about diversifying your income streams, in addition to you running your business and working, the kind of personal finance things are also a source of revenue. We talk about high yield savings accounts incessantly at her first 100K.

52:56They're everyday savings accounts, except you get a higher percent interest. We have the one we recommend on our website. It's like, that is income, right? You're making interest off your money just sitting there. When you're investing, you're making money, right? Your money is making you money. I remember the first time I made money while I slept, I was like 23. And I remember looking up, you know, my bank account at 7 a.m. the next morning. And I'm like, oh, the stock market in New York opened three hours ago and I have made money. Right. And there's something so incredibly badass about that feeling.

53:25So both think about like diversifying your income streams as you the person or as you the entrepreneur, thinking about like, how can I continue doing the work that I'm doing, but for different people, for different audiences. right? Or how can I work to scale back and to start thinking about passive revenue streams or like online revenue streams? And then what are the sort of personal finance tools I can employ for me to make money without me even having to think about it? I love it. Tori, do you have anything that our audience could take advantage of? Obviously, your book, your podcast, your social accounts, they're all so good.

54:01I feel like I'm like the incessant bookmarker of all of your posts and or like the forwarder, but anything that our audience can take advantage of to learn more from you and learn more about what you teach. Yeah. One easy way to like engage with our content. We have a quiz. You go to her first hundred K.com slash quiz. It is six questions. It allows us to serve you best. And it's not a pass or fail. It's just like, what is your financial situation? Do you have debt? And it allows us to give you our resources. So you're not like panic Googling how to save money question market to in the morning.

54:31And then our big thing that we just launched is we're doing a free workshop about investing misconceptions, all of the things I wish I knew about investing, how to manage the stock market and navigate the stock market without losing money, how to think about growing your wealth and investing. We were talking about passively before this is the perfect place to do it. So I'll give Jenna the link to link that in the show notes, but I would love to see you there. Perfect. You can go to jennacutcher.com forward slash investing so that you can learn all of these things. I think this is so powerful. This is a place where even I like 10 years into entrepreneurship still feel a little overwhelmed, a little lost.

55:09And I think for so many of us, we don't want to admit that like there's shame, like you said, of like, I don't totally understand how this all works. So again, jennacutcher.com forward slash investing, learn from Tori. I feel like you are such a wealth of knowledge. Plus you're hilarious. Like there's this humor in it that makes it feel not so serious and way more approachable. And so where else can people find you? Give us your social handles, your website so that people can connect with your work. Thank you. I appreciate it. That's my big thing is it's like this big, scary thing that seems inaccessible.

55:41Like make, let's make it accessible. It's a bunch of finance bros who think that it's complicated and that's how they stay in business. That's my not so conspiracy conspiracy theory. Her first hundred k.com is where you can find me or at her first center k and then i have a book and podcast called financial feminist and jenna will be a featured guest here on financial feminist soon when we can get schedules coordinated so yeah yeah we'd love to see you thank you so much for coming on the show this was everything i dreamed of and so much more you are the best thanks for having me this was such a treat i love talking to my friends having them on air and just having candid conversations, especially about money.

56:20I'll never forget one of the first times Tori reached out to me. She asked me about one of the work proposals that I had gotten. And I flat out told her exactly what I was being offered to be paid. Having that sort of transparency will transform the landscape for other women. And I think it's so powerful that we not only know our numbers, but that we share them to encourage one another to see what's possible and to go after what we are worth. I hope you enjoyed today's episode of the Gold Digger Podcast. Thank you so much for choosing this show and for tuning in. And of course, until next time, Gold Diggers, keep on digging your biggest goals.

56:58I'm over here giving you a virtual high five because you just finished another episode of the Gold Digger Podcast. Did that go by way too fast for anyone else? If you want more, head over to golddiggerpodcast.com for show notes and all the discount codes from today's sponsors. And if you're looking for a new crew of movers and shakers like you to bounce ideas and ask questions, be sure to join my exclusive community for Gold Diggers on Facebook. The link's waiting for you at golddiggerpodcast.com.