Afleveringen
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We’re back this week with another episode of Tax Talks! This was an incredible conversation with tax expert Tej Gill that I know is going to be super valuable for all of you.
If you've ever found yourself scrambling at the end of the tax year or been hit with unexpected tax bills, this episode is for you. Tej breaks down the entire process of creating a proper tax and drawing strategy with such clarity – I was taking notes myself!
One of the first things Tej emphasised was the importance of aligning your business year-end with the tax year. This simple adjustment creates so much more visibility for planning purposes. I've seen firsthand with my clients how this alignment can make a massive difference in their ability to make smart financial decisions throughout the year.
We spent quite a bit of time discussing how to analyse your personal needs before diving into any tax strategy. Tej walked through a really practical approach to figuring out exactly how much you need to extract from your business, when you need it, and what you need it for. It sounds basic, but you'd be surprised how many business owners (myself included in the early days!) skip this crucial step.
I particularly loved Tej's insights on leveraging your business for legitimate benefits – from company vehicles to relevant life insurance. These strategies can significantly reduce your personal expenditure needs while remaining fully compliant.
The section on executing your drawing strategy was gold. Tej explained how to properly manage director's loan accounts, when to take salary versus dividends, and how to time everything for maximum tax efficiency. He even shared a few examples that illustrated how proper planning could save thousands in unnecessary tax.
What really stood out to me throughout our conversation was Tej's emphasis on proactivity. As he pointed out, tax planning isn't something you do in March for the year that's ending – it's something you should be thinking about right now for 2025/26.
This episode is packed with actionable advice that I know will help you take control of your tax situation rather than letting it control you. This is one you do not want to miss! Let’s dive in.
UFD RESOURCES:
👉🏻 DOWNLOAD A COPY OF OUR BOOK SMALL BUSINESS BIG PROFIT FOR FREE: https://ultimate-fd.webflow.io/small-business-big-profit
👉🏻 HOW FINANCIALLY FIT IS YOUR BUSINESS? Take the Ultimate FD Acid test to find out and have a bespoke report in less than 5 minutes!!! Take the test here: https://josh-dtlqxm7w.scoreapp.com/ -
Welcome to Episode 35 of Magic Moments ✨
In this moment, I sat down with the brilliant Orrin - an absolute powerhouse when it comes to finance and business. He’s got a solid foundation in the corporate world (three years of CIMA under his belt and five years grinding in finance), and he’s since taken that knowledge and turned it into entrepreneurial gold.
We discussed the stuff that most people shy away from - what to do when your business hits tough financial times. And it’s not about hiding or powering through silently. It’s about honesty and transparency. Orrin shared how being upfront and open with partners, investors, and teams can actually make or break your business when the pressure's on.
We also dived into why every entrepreneur needs to get comfortable with the numbers. Finance isn’t just for the accountants anymore - it’s a core part of decision-making, and if you want to lead with confidence, you’ve got to understand what’s under the hood of your business.
Orrin’s lived that transition from financial specialist to full-on business leader, and he drops some epic insight on how that shift works - and why CFOs are often stepping up as CEOs more and more.
This conversation was a proper eye-opener, and if you’re navigating the chaos of entrepreneurship (especially with money stress in the mix), this one’s definitely for you.
Did you enjoy this Magic Moment? Click here to listen to the full episode.
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Zijn er afleveringen die ontbreken?
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In this week’s episode of the UFD podcast I am talking about something that I am really passionate about and addressing a challenge I see far too many of my clients facing.
Your business is showing healthy profits on paper, but somehow your bank account isn't reflecting that success. If you've ever found yourself scratching your head at this disconnect, this episode is for you.
I wanted to deep dive into why this happens, especially for those of you who've scaled to seven figures. It's that moment when you look at your P&L statement showing impressive profits but then glance at your bank balance and think "where did all the money go?"
Been there myself, and it's exactly what prompted me to start Ultimate FD.
Throughout this episode, I unpack the crucial difference between accounting profit and actual cash in your business. The accounting principles that recognise revenue before you've been paid can create this illusion of profitability while you're still chasing payments.
One thing I'm particularly proud of is my approach to credit control. I've learned (sometimes the hard way!) that having strict payment processes isn't being difficult - it's just good business sense. When I implemented proper credit control systems, the difference to my cash position was night and day.
Looking back at my own journey over the past year, I've seen tremendous growth in both revenue and team size at Ultimate FD. But that growth came with its own cash flow challenges that forced me to practice what I preach. The strategies I shared are the exact ones that helped me navigate that expansion.
Remember, cash really is king. You can have the most profitable business on paper, but without cash, you're vulnerable. Hope this episode helps you bridge that gap between your profit figures and your bank balance!
Drop me a message on socials if you've experienced this profit/cash disconnect in your business or if you have questions about implementing any of the strategies I discussed.
UFD RESOURCES:
👉🏻 DOWNLOAD A COPY OF OUR BOOK SMALL BUSINESS BIG PROFIT FOR FREE: https://ultimate-fd.webflow.io/small-business-big-profit
👉🏻 HOW FINANCIALLY FIT IS YOUR BUSINESS? Take the Ultimate FD Acid test to find out and have a bespoke report in less than 5 minutes!!! Take the test here: https://josh-dtlqxm7w.scoreapp.com/ -
Welcome to episode 34 of our Magic Moments series ✨
In this week’s Moment, I break down what I've observed after working with so many business owners - particularly how clarity becomes a massive leverage point.
I shared my thoughts around why knowing what you actually want is half the battle. Once you get that clarity, everything else becomes about execution and alignment. I've seen this pattern repeatedly - the entrepreneurs who can articulate their true aims are the ones who create businesses that work for them, not the other way around.
I get into the whole “revenue is easy, profit is hard” concept that keeps coming up in my conversations. So many business owners chase top-line growth without understanding the profit mechanics underneath. I tried to unpack why this happens and how to shift focus to what actually matters.
The predictability of success is something I'm becoming more convinced of with each passing year. When you follow certain principles consistently, the results tend to follow. I shared some examples from my own journey with business growth, publishing, and property investments to illustrate this.
I hope this episode helps listeners cut through some of the noise and focus on the core elements that actually move the needle. Sometimes entrepreneurship feels complex, but the fundamentals haven't changed - clarity of purpose, understanding unit economics, and having the discipline to stick to a plan still win the day.
Looking forward to hearing how this resonates with you. Let me know what you think!
Did you enjoy this Magic Moment? Click here to listen to the full episode.
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In this week’s episode I am joined by UFD client Ashley Gray from Grey Electrical Contractors in the West Midlands. Ashley's been doing very well in the electrical contracting world while also building a pretty impressive property portfolio using the BRRR strategy (buy, refurbish, refinance).
We got into the nitty-gritty of how Ashley transformed his business by getting serious about the financials. We all know cash flow is king, but hearing how Ashley shifted from taking any job that came his way to strategically pursuing long-term contracts that provide consistent revenue was eye-opening.
Ashley shared some painful lessons about pricing - something I think a lot of us can relate to! He admitted to underpricing jobs early on because he wasn't properly accounting for all his overheads. Once he built proper financial models and forecasting tools, the game completely changed for him.
Ashley's approach to employee retention is gold - he's created a culture where his team feels valued, and it shows in their loyalty. His journey from scrambling for jobs to building a stable, profitable operation is exactly the kind of real-world business evolution I love exploring on this podcast.
It’s time to dive in - I hope you enjoy!
You can connect with Ashley via his social links below:
https://www.instagram.com/newhorizonhomes/
https://www.linkedin.com/in/ashley-gray-73492b285/
UFD RESOURCES:
👉🏻 DOWNLOAD A COPY OF OUR BOOK SMALL BUSINESS BIG PROFIT FOR FREE: https://ultimate-fd.webflow.io/small-business-big-profit
👉🏻 HOW FINANCIALLY FIT IS YOUR BUSINESS? Take the Ultimate FD Acid test to find out and have a bespoke report in less than 5 minutes!!! Take the test here: https://josh-dtlqxm7w.scoreapp.com/
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Episode 33 of Magic Moments has landed!
This week’s moment is from an amazing conversation with Gareth Morgan that I can't wait to share with you all. Gareth is truly a systems guy with a gift for optimising business operations and driving growth.
Our chat was packed with insights about how he approached buying his mortgage advisory business and immediately set it up for success through his clarity about where to focus his energy and what to delegate from day one.
Gareth shared how he identified the value of his time early on and made strategic decisions about outsourcing and systems. Instead of getting bogged down in admin work like many new business owners do, he immediately invested in support structures that freed him to focus on what he does best - structuring deals and growing the business.
I particularly loved Gareth's perspective on not waiting until you're drowning in admin work to build systems. He came in with a clear vision of his strengths and weaknesses and built his operation around maximising his impact.
The conversation reinforced for me that sometimes the best business decisions aren't about what you do, but what you deliberately choose not to do. Gareth's success came from understanding where his unique value lies and designing everything else around supporting that.
For anyone looking to acquire or scale a business, this episode offers a masterclass in strategic thinking from day one.
Did you enjoy this Magic Moment? Click here to listen to the full episode.
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For this week’s episode of the UFD podcast, I welcomed Colin McIntosh, the founder and CEO of Sheets & Giggles, a sustainable bedding company that's absolutely smashing it. Colin's journey is fascinating - he launched his company after being laid off in 2017, and within just two years was hitting $1 million in monthly sales.
Colin transformed a simple concept - sustainable eucalyptus bed sheets - into a thriving business with a loyal customer base. He shared how his initial crowdfunding campaign was crucial to getting the business off the ground, essentially using customer pre-orders to fund production and validate his product concept.
Colin's approach to marketing is refreshingly authentic and customer-focused. He explained how his background as a recruiter gave him valuable insights into leadership and building high-performance teams, which he's leveraged to grow Sheets & Giggles.
Colin's side project is an AI-powered resume review and building service. Drawing from his recruiting experience, he's created a tool that provides job seekers with personalised advice at scale. The way he's using AI to extend his expertise to help more people is very impressive.
Colin kept coming back to the importance of being customer-centric and genuinely trying to help others. Whether it's creating sustainable products that people love or helping job seekers land their dream positions, his philosophy centres on making a positive impact.
We wrapped up with some solid advice on financial strategies for growing businesses and the importance of understanding every aspect of your business before delegating. Colin's approach of learning each business function himself before hiring specialists has clearly served him well.
If you're interested in entrepreneurship, sustainable business practices, or how AI can be leveraged in unexpected ways, this episode is packed with insights you won't want to miss.
Dive in and enjoy!
You can connect with Colin via his socials below:
https://www.linkedin.com/in/colindmcintosh
https://www.instagram.com/colindmcintosh
UFD RESOURCES:
👉🏻 DOWNLOAD A COPY OF OUR BOOK SMALL BUSINESS BIG PROFIT FOR FREE: https://ultimate-fd.webflow.io/small-business-big-profit
👉🏻 HOW FINANCIALLY FIT IS YOUR BUSINESS? Take the Ultimate FD Acid test to find out and have a bespoke report in less than 5 minutes!!! Take the test here: https://josh-dtlqxm7w.scoreapp.com/
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Welcome to Episode 32 of Magic Moments ✨
In today's episode, I’m joined by my guest Guillaume Black and together we dove deep into the nitty-gritty of building a startup from scratch. Guillaume shared some super valuable insights about maintaining financial health during those make-or-break early years that I know many of you will find very helpful 🙌🏻
We talked about that journey toward breaking even and how strategic financial planning makes all the difference. Our conversation on teamwork and effective delegation really resonated with me - it's something I've been working on in my own business journey over the past 12 monts.
Guillaume was very open about balancing work with personal life. He shared some amazing stories about running marathons while managing growing family responsibilities and scaling their business simultaneously!
For those of you building your own businesses, pay special attention to our discussion on growth strategy and the importance of month-on-month progress. We also had a good chat about co-founder dynamics and how having the right team with complementary skills can make or break your startup.
This episode is packed with authentic stories, practical advice, and personal reflections that I know will help you navigate your own business challenges - so dive in and enjoy.
Did you enjoy this Magic Moment? Click here to listen to the full episode. -
This week on the UFD podcast I’m joined by UFD Client Richard Evans 🙏🏻
Richard is the founder of Vavavoom and he has been in the property investment game for over 30 years. His journey from corporate life to entrepreneurship is fascinating - he's managed to blend his property expertise with his business acumen to build Vavavoom, which specialises in recruiting and placing virtual assistants from the Philippines.
Richard's approach to business is all about systemisation - combining the right software, processes, and talented people. This trio is what he credits for his success in scaling businesses effectively.
We dove deep into how financial oversight becomes increasingly critical as businesses grow. Richard shared how he transformed financial reporting from something that felt like a chore into a strategic advantage that has improved his margins and profits 💸
For those looking to scale their businesses, Richard's insights on the importance of having the right people in defined roles, supported by solid processes and technology, are absolutely gold. He shares how maintaining financial discipline and avoiding impulse spending has helped him navigate growth periods successfully.
If you're a business leader looking to scale, this episode offers practical advice on using financial strategy as your roadmap to success.
Richard's combination of property investment knowledge and his experience building Vavavoom provides a unique perspective that I think you'll find incredibly valuable.
Enjoy! 🙌🏻
You can connect with Richard on Facebook and LinkedIn.
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The latest episode of Magic Moments is here ✨
This week's Magic Moment is from my chat with Chris Moss about something I feel super passionate about - brand consistency and why it matters so much in business.
Chris and I dug into how having a consistent, professional brand across everything you do (your socials, website, documents, the lot) makes such a huge difference in how potential clients see you.
If you want the big clients and bigger deals, you absolutely need to look the part. Nothing turns off a potential client faster than inconsistent or amateur-looking materials.
We also chatted about practical stuff - getting a proper branding pack done professionally, making sure your documents look top-notch, and keeping everything consistent. Looking professional isn't just about vanity - it's about building trust and ultimately growing your business.
Dive in - I hope you enjoy it!
Did you enjoy this Magic Moment? Click here to listen to the full episode.
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This week on the UFD podcast I’m joined by Hugh Massie, the executive chairman and founder of DNA Behavior International, a behavioural data analytics company based in Atlanta, Georgia 🇺🇸
Hugh's journey from Sydney to Atlanta is fascinating - starting as a chartered accountant and then creating a whole system for analysing behavioral patterns related to financial decisions.
His company, DNA Behavior International, has really pioneered this field, and you can tell he's passionate about it. Hugh enlightens us with his insights on behavioural finance and how understanding our “Financial DNA” can transform businesses and personal lives 💸
Hugh made the point that behind every problem is behaviour and we kept coming back to how understanding these core behavioural styles impacts everything from company culture to profitability.
We discussed leadership traits and how they influence decision-making. As Hugh put it, “You could put 10 leaders around a table with the same case facts and you'll get different decisions depending on styles.” This explains so much about why some leadership teams struggle to align!
For those of you looking to improve your company culture or better understand your own financial decision-making, Hugh's books are definitely worth checking out, especially "Financial DNA: Discovering Your Financial Personality for Quality of Life."
You can find out more and connect with Hugh across his various links below ⬇️
Website: www.dnabehavior.com
Website: www.boyswithoutfathers.org
Linked In: https://www.linkedin.com/in/hughmassie/
Facebook: https://www.facebook.com/hugh.massie/
Twitter: @HughMassie
Instagram: https://www.instagram.com/hughmassie/
Youtube: https://www.youtube.com/@dnabehaviorI hope you enjoy this one as much as I did! 🙌🏻
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Welcome to Episode 30 of Magic Moments! ✨
In this week’s Magic Moment, I sit down with Mike Chamberlain, a seasoned entrepreneur in the financial services industry. Mike has an impressive track record of building and scaling businesses through various economic cycles and has successfully exited his venture.
We dove deep into client selection - Mike emphasised how choosing the right clients can make or break your business. He talked about not compromising on price just to get clients in the door.
We also discussed finding that sweet spot between bringing in new clients and nurturing your existing relationships. Mike had some great insights on managing acquisition costs while maximising profitability.
We also talked about financial oversight. Mike is big on using digital tools to keep a close eye on business performance - tracking things like turnover, efficiency, and working capital. I'm definitely going to implement some of his suggestions in my own operations.
Whether you're just starting out or looking to scale your existing business, Mike's practical advice on pricing strategies, client management, and operational efficiency is pure gold.
Did you enjoy this Magic Moment? Click here to listen to the full episode.
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Welcome to another episode of the UFD podcast. This week, I'm delighted to have Tej Gill back on the show! 🙌🏻
If you caught one of our previous conversations, you know Tej is not just a tax wizard, but a world class entrepreneur who knows how to break down complex financial stuff into bite-sized, actionable insights.
To welcome Tej back and to kickstart our next batch of Tax Talks episodes, I thought we’d invite Tej to come onto an episode of Millionaire Money Matters and talk us through his biggest wealth wisdoms, entrepreneurial lessons and his insights into the success he has so far in his journey and how he’s gotten there.
We dive deep into six killer topics that I know are going to light a fire under your financial goals. We covered everything from personal accountability to team building, with Tej dropping some serious knowledge bombs 💣
One thing that really stuck with me was Tej talking about being a role model for his kids. It's not just about making money, but about showing the next generation what true success looks like.
If you're an entrepreneur, a wannabe business owner, or just someone who wants to level up their financial game, this episode is your jam. Tej brings the kind of real-world wisdom you can't get from textbooks.
You can connect with Tej across socials via the links below:
Instagram
LinkedIn -
Magic Moments Ep 29 is here ✨
In this Magic Moment, I am joined by the incredible Chris Ducker. This was one of the best conversations I've had about personal branding. If you've been wondering whether to put yourself out there or keep the focus on your business, this episode is definitely for you 🙌🏻
Chris founded the Youpreneur community and has written killer books like "Virtual Freedom" and "Rise of the Youpreneur." The man knows his stuff when it comes to building what he calls "the business of you."
We jumped right into the big question - should you market yourself or your company? Chris broke it down perfectly, explaining how it really depends on your long-term goals 🎯
What I loved most was Chris's take on uniqueness in the market. He made a great point that nobody can copy YOUR story and YOUR approach - that's the power of personal branding!
Chris shared some gold about building a complete personal brand ecosystem - from social presence to books and speaking gigs. He mapped out how to actually turn that recognition into real revenue through courses, group coaching, and high-end masterminds.
We also hit on that tricky balance of scaling when clients specifically want to work with YOU. His insights on delegation and innovation were spot-on for anyone feeling stuck in the day-to-day grind.
Whether you're just starting your entrepreneurial journey or looking to take things to the next level, Chris dropped wisdom bombs throughout the entire conversation 💣
Did you enjoy this Magic Moment? Click here to listen to the full episode.
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This week’s episode is a banger - I sat down and had an amazing chat with Phil Saunders and I'm buzzing with all the insights he shared about the service accommodation world.
Phil's journey started with a super creative rent-to-SA glamping setup in the Peak District - basically turning farm land into a profitable venture. Now he's built an impressive portfolio across the UK and helps others break into the industry 🚀
In this episode, we dive deep into how he's managed to scale his business while navigating all the typical pitfalls. What stood out was his practical approach to choosing properties - he's all about those larger unique properties with hot tubs and cinema rooms that consistently outperform the standard units.
The conversation got really interesting when we talked about partnerships - Phil doesn't sugar-coat it - picking the right joint venture partners can make or break your business. He shared some horror stories and success cases - you’ll have to tune in to find out 👀
Phil revealed some clever alternative revenue streams that most hosts overlook - these little tweaks can seriously boost your bottom line - which you know I am all about.
Whether you're just starting out or looking to level up your existing SA business, this episode is packed with actionable strategies that Phil has personally tested and proven 🙌🏻
Can't wait to hear what you guys think of this one!
You can connect with Phil via his socials below:
www.linkedin.com/in/saundersproperty
https://www.facebook.com/groups/saholidayletsuk -
Welcome to Episode 28 of Magic Moments! ✨
This week’s episode is taken from an amazing conversation with Julie Talbot.
Julie is a powerhouse - entrepreneur, author, speaker, and she's been crushing it in the personal development space since she was super young. Her approach completely flips traditional financial education on its head.
We dive deep into how we can better teach kids about money, and Julie had some really eye-opening perspectives that challenged even my own thinking:
➡️ Stop paying kids for basic chores - instead, Julie suggests teaching them to earn by creating actual value or producing content that matters
➡️ She shared this brilliant story about using "tooth fairy money" as a first investing lesson (I'm definitely trying this with my kids!)
➡️ The Spend/Save/Give jars concept - such a simple visual tool but so effective for teaching money management
➡️ Getting kids involved in household financial conversations to build their negotiation muscles
Julie emphasises building a wealth mindset from an early age. We're not just teaching kids about money - we're setting them up with fundamental skills they'll use their entire lives. I walked away from this conversation with so many new ideas to try with my own family 🙌🏻
Did you enjoy this Magic Moment? Click here to listen to the full episode.
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Welcome to part 2 of 35 entrepreneurial lessons learned by 35! 🚀
I recently turned 35 and wanted to share with you the lessons I’ve learned throughout my entrepreneurial journey so far. In this part 2 episode I’m going deeper into some of those key insights that have guided me through the past 10 years.
I'm breaking down more valuable lessons that I've learned the hard way so you don't have to. From managing finances to building great teams, these lessons include personal experiences that have shaped how I approach business and life today 🙏🏻
I dive into why understanding your business numbers is crucial for making smart decisions and how to truly appreciate your team and their contributions. And we go over ways to make your work enjoyable, even during challenging times, and why consistency beats cleverness in the long run.
I also emphasise the importance of maintaining cash reserves for stress-free living, the difference between personal budgets and business targets, and why targeting clients with high standards can elevate your entire business 📈
Some lessons in life you just have to experience firsthand, but I hope sharing what I've learned helps you avoid some common pitfalls and accelerates your own growth journey!
Thanks for tuning in! I hope you enjoy 🥳
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Magic Moments Ep 27 is here ✨
In this week’s episode I’m joined by my guest Steven Day, who's an absolute wizard when it comes to building virtual teams. If you're looking to scale your business while keeping costs down, this episode is packed with gold!
Steven walked me through how he's helped businesses save a ton of money by hiring talented people from around the world. The numbers are pretty eye-opening - you can hire someone with serious management skills in the Philippines for way less than what you'd pay in the UK, without sacrificing quality.
He shared this brilliant concept of being "unavailably available" - which basically means not being on call 24/7 so your team learns to solve problems themselves. This has been a game-changer for me personally! 🙏🏻
We also got into some practical stuff like setting up regular stand-up meetings and regular value-focused sessions to keep everyone aligned, even when they're spread across different time zones.
If you're feeling stuck because hiring locally is eating up all your profits, this episode shows you exactly how to build a killer virtual team that can transform your business. Steven's strategies for managing across cultures and time zones are practical and proven 🚀
Let me know what you think after listening! Did any particular strategies stand out to you?
Did you enjoy this Magic Moment? Click here to listen to the full episode.
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I recently turned 35 and so in this special birthday episode of the UFD podcast, I am reflecting on my 35 years and sharing the most valuable entrepreneurial lessons I've learned throughout my journey! 🙌🏻
I open up about building my seven-figure property portfolio over the past decade and the key principles that have guided my success.
I dive into essential entrepreneurial mantras like "trust the process," "sell packages, not products," and "a deal is a deal" - explaining how these philosophies have shaped my business decisions.
Bringing you professional insights with personal stories that illustrate how embracing failure, finding your niche, and surrounding yourself with the right team have contributed to my growth 🚀
From building a business ecosystem to smart property investments, I cover the journey of an entrepreneur at various stages, going over the importance of proper goal-setting and consistent execution.
Whether you're just starting out or looking to scale your existing ventures, this episode offers you practical wisdom drawn from real-world experience!
Join me for this candid look at entrepreneurship through the lens of 35 years of life lessons 🎂
PART 2 coming next week! I hope you enjoy 🥳
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Welcome to Episode 26 of Magic Moments! ✨
In this week’s Magic Moment we’re diving deep into financial resilience, the mental side of money and how it affects everything else in your life and business.
Joined by my guest Akash Desai, we talk about why you need actual plans, not just hopes, for your money, and the importance of balancing working IN your business versus ON your financial future 💸
We discuss how your personal money goals should connect with your business ones for true financial well-being. And help you learn about establishing clear financial objectives and backup plans that minimise stress and support sustained business growth.
The bottom line from this episode is clear: get your money sorted BEFORE it becomes a problem! And make sure your business goals actually connect to what you want in your personal life.
Tune in, listen and learn! 🎧
Did you enjoy this Magic Moment? Click here to listen to the full episode.
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