Advertise on podcast: Small Business Big Money™

💸 ⁠⁠⁠⁠⁠⁠Register for my FREE debt class for entrepreneurs⁠⁠⁠⁠⁠⁠⁠ 🎓 ⁠⁠⁠⁠⁠⁠Join Small Business Money School⁠⁠⁠⁠⁠⁠ ✍️ ⁠⁠⁠⁠⁠⁠Join the email list⁠⁠⁠⁠⁠⁠ Episode Synopsis In this episode, Nettie Owens shares her journey from professional organizer to productivity coach, navigating business pivots, managing debt, and building a profitable, sustainable business. Learn practical strategies for business resilience, debt payoff, and designing for extremes to benefit all. Follow Nettie Owens Follow her on LinkedIn Learn more about her on her website Chapters00:00 - Introduction to Nettie Owens and her background 08:14 - Deciding to pivot from organization to productivity coaching 10:35 - Handling business failure and making tough decisions 17:22 - Lessons on pivoting, managing mind, and depositing value 24:32 - Strategies for debt payoff and financial recovery 32:08 - Out of debt and building a sustainable business 43:15 - Next steps: paying herself and business growth Keywords: business pivot, debt payoff, productivity coaching, business resilience, entrepreneurial lessons, financial management, scaling a business, mental models, systemic design, women entrepreneurs

💸 ⁠Register for my FREE debt class for entrepreneurs⁠⁠ 🎓 ⁠Join Small Business Money School⁠ ✍️ ⁠Join the email list⁠ Episode Synopsis In this episode of Small Business Big Money, Gina goes into the mechanics of the stock market to disprove the idea that the stock market is like gambling and teaches the mechanics of how the stock market actually works. She then shares the investing strategy that is mathematically proven to make you money in the long run. Chapters: 00:00 - Introduction to stock market investing 04:10 - What is a stock and how ownership works 07:22 - Market volatility and business cycles 10:10 - Why companies go public and how it raises capital 14:22 - Is the stock market gambling? Debunking myths 20:03 - The buy and hold strategy and passive investing 26:59 - Summary and resources for investors Keywords: stock market, passive income, investing, index funds, wealth building, entrepreneurship, financial security, diversification, risk management

💸 ⁠Register for my FREE debt class for entrepreneurs⁠⁠ 🎓 ⁠Join Small Business Money School⁠ ✍️ ⁠Join the email list⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Episode Synopsis In this episode, Gina walks through a diagnostic framework for identifying exactly which financial problem to solve next, and the solution you should implement in the next 90 days. She shares real client examples along the way, including a client who grew her revenue significantly but was still underpaying herself out of fear, and closes by sharing her own current financial goals: buying a home in Marin County and funding her growing fashion collection. She also warns against consolidating debt before diagnosing what actually caused it. The episode wraps with a preview of the five-day Bottleneck Breakthrough challenge starting Monday, September 28th, inside Small Business Money School. Chapters: 00:00 - Welcome & how to use this diagnostic02:21 - Question 1: Are you earning enough to cover your business bills?04:43 - Question 2: Is your profit going straight to business debt?09:24 - Question 3: Are you paying yourself enough?11:49 - Question 4: Does your household income cover your bills and lifestyle?16:32 - Question 5: Is your personal debt eating your income?18:57 - Question 6: Are you on track for a guaranteed million?23:37 - Question 7: What's your next wealth goal?28:11 - Recap: solve one problem at a time30:34 - The Bottleneck Breakthrough challenge starts Monday Keywords: financial diagnosis, small business finance, debt payoff, wealth building, expense audit, profit increase, retirement planning, wealth goals

💸 Register for my FREE debt class for entrepreneurs⁠ 🎓 Join Small Business Money School ✍️ Join the email list Episode Synopsis In this episode, Gina breaks down the real reason most business owners stay stuck financially: it's not lack of money or knowledge, it's how they relate to their problems. She lays out a three-part framework: first, adopt the identity of a problem-solver rather than resenting the fact that problems (financial or otherwise) never actually go away, they just change; second, solve only the problem directly in front of you instead of burning time and money preparing for hypothetical future problems you can't yet define; and third, watch for your brain hijacking you into "side quests" — new business ideas, visioning exercises, passion projects — that feel productive but are really just avoidance of the harder, less glamorous work of fixing what's actually broken. She illustrates this with two real client stories (one tempted to pivot into real estate instead of fixing her business debt, another who sank tens of thousands into a new coaching business rather than fixing pricing in her existing one) to show how avoidance dressed up as ambition quietly wrecks people's finances. She closes by connecting this problem-solving skill to her design background and previewing a free five-day "Bottleneck Breakthrough" challenge inside Small Business Money School starting September 28th. Chapters: 00:00 - Welcome & the real key to wealth02:22 - Why you have to love your problems09:24 - Solve the problem in front of you21:17 - How your brain sneakily avoids the real problem33:03 - Recap + the Bottleneck Breakthrough challenge Keywords: financial problems, wealth building, problem-solving, mindset, small business finance, debt, resource management, focus, agency

💸 ⁠Register for my FREE debt class for entrepreneurs⁠⁠ 🎓 ⁠Join Small Business Money School⁠ ✍️ ⁠Join the email list⁠ Episode Synopsis In this episode Gina Knox shares insights on building wealth as a small business owner, emphasizing the importance of cash flow, profit, and strategic investing outside of traditional corporate retirement plans. She discusses how owner-operator businesses are uniquely positioned to create substantial personal wealth without scaling to billion-dollar enterprises. Chapters: 00:00 - Common Myths About Wealth and Business Scale 03:47 - How Small Businesses Can Build Wealth Without Becoming Large 06:06 - The Power of Profit Over Tax Strategies 8:02 - Creating a Cash and Wealth Machine 14:03 - Financial Goals and the Path to Work Optional 16:00 - Join the Email List and Next Steps Keywords: small business wealth, business profit, owner operator, financial independence, investing, cash flow, wealth building, retirement, business strategy

💸 ⁠⁠Register for my FREE debt class for entrepreneurs⁠⁠⁠ 🎓 ⁠⁠Join Small Business Money School⁠⁠ ✍️ ⁠⁠Join the email list⁠⁠ Episode Synopsis In this episode Gina Knox shares her personal experience with financial avoidance, emotional spending, and how she navigated her way back to financial health. This episode offers insights into human behavior, shame, and practical steps for overcoming avoidance cycles. Chapters: 00:29 - Gina's personal vulnerability with financial avoidance 01:27 - Recognizing avoidance through spending habits 07:27 - Re-establishing awareness with tracking and journaling 09:46 - The importance of honesty and responsibility 14:00 - When to recognize readiness to return to work 16:50 - Seasonal patterns and conditioning 19:18 - Specificity reduces fear and shame 20:16 - Closing thoughts and encouragement for self-kindness Keywords: financial avoidance, emotional spending, money mindset, self-awareness, accountability, financial recovery, human behavior, shame, cyclical patterns, small business finance

💸 ⁠⁠⁠Register for my FREE debt class for entrepreneurs⁠⁠⁠⁠ 🎓 ⁠⁠⁠Join Small Business Money School⁠⁠⁠ ✍️ ⁠⁠⁠Join the email list⁠⁠⁠ Episode Synopsis In this episode Gina Knox shares a comprehensive approach to managing and paying off business debt, emphasizing the importance of planning, cash flow management, and mental clarity to achieve debt payoff assurance. Chapters: 00:00 - Introduction to debt payoff assurance 02:26 - Example of a $15,000 debt and strategic planning 04:47 - Managing cash flow with the cash flow waterfall system 06:36 - Achieving large launches and refilling cash reserves 07:27 - Paying off debt in one click and maintaining calm 09:24 - The mindset of being in control of debt 11:17 - Cleaning up past debt mistakes and assurance 12:12 - Using a debt organizer and having a plan with an end date 13:35 - Helping clients pay off debt confidently 14:30 - Invitation to live coaching sessions on debt payoff Keywords: business debt, debt payoff, cash flow management, financial planning, business finances, debt elimination, financial security, small business finance, debt strategy, cash flow waterfall

💸 ⁠⁠⁠Register for my FREE debt class for entrepreneurs⁠⁠⁠⁠ 🎓 ⁠⁠⁠Join Small Business Money School⁠⁠⁠ ✍️ ⁠⁠⁠Join the email list⁠⁠⁠ Episode Synopsis In this episode Gina Knox shares a detailed, step-by-step approach to managing business debt intentionally. She emphasizes testing solutions before borrowing, prioritizing problems, and actively overseeing implementation to improve profitability and reduce unnecessary debt. Chapters: 00:00 - Introduction to the importance of intentional debt 01:27 - Debt as capital, not starting point 02:26 - Spending money to solve current problems 03:52 - Five categories of business problems 06:13 - Prioritizing problems to solve first 07:09 - Creating solutions and testing ideas 10:02 - Implementing tested solutions without debt 13:12 - Funding solutions with micro-testing and testing before debt 14:38 - Active oversight during implementation 17:25 - The effort required for successful debt management 19:24 - The life-changing potential of a disciplined process Keywords: business debt, financial management, testing solutions, debt avoidance, business growth, profit strategies, small business finance, debt formula, testing and implementation, financial security

💸 ⁠⁠⁠Register for my FREE debt class for entrepreneurs⁠⁠⁠⁠ 🎓 ⁠⁠⁠Join Small Business Money School⁠⁠⁠ ✍️ ⁠⁠⁠Join the email list⁠⁠⁠ Episode Synopsis In this episode Gina Knox discusses the differences between intentional and unintentional business debt, sharing personal experiences and practical insights on managing debt effectively. This episode helps small business owners understand how to use debt as a growth tool and avoid common pitfalls. Chapters: 00:00 - Introduction to debt types and episode overview 02:24 - The rule of no new debt and its purpose 03:20 - Personal experience with intentional business debt 07:31 - What unintentional debt looks like in small businesses 09:24 - Common causes of unintentional debt and how to prevent them 13:40 - Key takeaways and next steps for managing debt Keywords: business debt, intentional debt, unintentional debt, debt management, small business finance, debt payoff, financial planning, business growth, debt strategies

💸 ⁠⁠⁠⁠Register for my FREE debt class for entrepreneurs⁠⁠⁠⁠⁠ 🎓 ⁠⁠⁠⁠Join Small Business Money School⁠⁠⁠⁠ ✍️ ⁠⁠⁠⁠Join the email list⁠⁠⁠⁠ ▶️ Watch on YouTube Episode Synopsis In this episode of Small Business Big Money, Gina Knox explores the transformative power of identity in pursuing your most ambitious goals—whether it's attending exclusive fashion shows or building lasting wealth. She shares personal stories about redefining her self-image and emphasizes that wealth is less about strategy and more about who you believe yourself to be. Keywords: identity, wealth mindset, money beliefs, limiting beliefs, entrepreneurship, financial freedom, debt, abundance, self-concept, progress over perfection

💸 ⁠⁠⁠⁠⁠Register for my FREE debt class for entrepreneurs⁠⁠⁠⁠⁠⁠ 🎓 ⁠⁠⁠⁠⁠Join Small Business Money School⁠⁠⁠⁠⁠ ✍️ ⁠⁠⁠⁠⁠Join the email list⁠⁠⁠⁠⁠ ▶️ ⁠Watch on YouTube⁠ Episode Synopsis In this episode, Patti Calkins shares how she went from feeling behind on retirement to building over $1 million in savings before age 60. She breaks down the perspective shifts and practical financial steps that helped her grow her wealth with more confidence and clarity. Keywords: retirement planning, financial literacy, investing, mindset, wealth building, small business owners, retirement savings, portfolio growth, self-trust, perspective shift

💸 ⁠⁠⁠⁠⁠Register for my FREE debt class for entrepreneurs⁠⁠⁠⁠⁠⁠ 🎓 ⁠⁠⁠⁠⁠Join Small Business Money School⁠⁠⁠⁠⁠ ✍️ ⁠⁠⁠⁠⁠Join the email list⁠⁠⁠⁠⁠ ▶️ ⁠Watch on YouTube Episode Synopsis In this episode of Small Business Big Money, Gina Knox shares a heartfelt story about her mother’s remarkable journey to financial independence and vibrant living in her 60s. She emphasizes that building wealth and enjoying a secure retirement is possible—and worthwhile—regardless of age, and provides actionable insights to help you create your own financial legacy. Keywords: wealth building, financial freedom, generational wealth, debt payoff, investing, retirement, money mindset, legacy, passive income, women and money

💸 ⁠⁠⁠⁠⁠⁠Register for my FREE debt class for entrepreneurs⁠⁠⁠⁠⁠⁠⁠ 🎓 ⁠⁠⁠⁠⁠⁠Join Small Business Money School⁠⁠⁠⁠⁠⁠ ✍️ ⁠⁠⁠⁠⁠⁠Join the email list⁠⁠⁠⁠⁠⁠ ▶️ ⁠⁠Watch on YouTube⁠ Episode Synopsis In this episode, Catherine Navarro shares her transformative journey from outsourcing her finances to actively building her retirement plan, emphasizing the power of perspective shifts, financial literacy, and self-trust. Discover how small, consistent steps can lead to financial independence and confidence. Keywords:  retirement planning, financial literacy, investing, mindset, wealth building, women entrepreneurs, portfolio growth, self-trust, investment strategies, perspective shift

💸 ⁠⁠⁠⁠⁠⁠⁠Register for my FREE debt class for entrepreneurs⁠⁠⁠⁠⁠⁠⁠⁠ 🎓 ⁠⁠⁠⁠⁠⁠⁠Join Small Business Money School⁠⁠⁠⁠⁠⁠⁠ ✍️ ⁠⁠⁠⁠⁠⁠⁠Join the email list⁠⁠⁠⁠⁠⁠⁠ ▶️ ⁠⁠⁠Watch on YouTube⁠ Episode Synopsis Nico Lebreux shares her journey of building Wild Heart Herb House, a successful herbal apothecary in Massachusetts. She discusses her business strategies, financial management, and the importance of focusing on what works to grow her small business. Keywords:  small business, herbal apothecary, financial management, business growth, entrepreneurship, herbalism, retail, profit increase, business planning

💸 ⁠⁠⁠⁠⁠⁠⁠⁠Register for my FREE debt class for entrepreneurs⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🎓 ⁠⁠⁠⁠⁠⁠⁠⁠Join Small Business Money School⁠⁠⁠⁠⁠⁠⁠⁠ 💎 Join 7 Figure Wealth Mastermind ✍️ ⁠⁠⁠⁠⁠⁠⁠⁠Join the email list⁠⁠⁠⁠⁠⁠⁠⁠ ▶️ ⁠⁠⁠⁠Watch on YouTube⁠⁠ Episode Synopsis In this in-depth interview, bra fitting expert and content creator Kimmay Caldwell shares her entrepreneurial journey, challenges with business finances, and strategies for turning around a struggling business. Discover practical advice on problem-solving, financial management, and embracing authenticity in your brand. Keywords:  business growth, entrepreneurship, financial management, problem-solving, branding, personal development, small business, success story, mindset, business strategy