0:00

Start your business for

0:02

the freedom of time. Now

0:04

you're tired of the

0:06

hustle and grind. There's gotta

0:08

be a better way.

0:10

It's time to listen to

0:12

Chill and Prosper. Welcome

0:14

to Chill and Prosper. You're

0:16

ready to Chill and

0:18

Prosper with Denise Duffield -Thomas.

0:20

Hey gorgeous, it's Denise here for

0:23

another episode of Chill and Prosper

0:25

and today we are doing

0:27

my favorite thing is answering questions

0:29

from you. Our beautiful listeners.

0:31

Now sometimes we get very very

0:33

similar questions on similar topics

0:35

so we kind of merge them

0:37

together so they're not from

0:39

any particular person because they might

0:41

have been literally like five

0:43

people sending the same question. But

0:45

what I love about this

0:47

first one is this is so

0:49

relatable and it's something that brings

0:51

up a lot of money blocks for

0:53

people. Okay, so this is how do

0:55

I go about chasing up old money?

0:57

Should you follow up on invoices, failed

1:00

payments, etc.? How do you know when it's

1:02

better to just let it go? So

1:04

we also got a lot of questions on

1:06

fairly similar things about like what if

1:08

I had an awful client? She won't pay

1:10

me the last bit of the thing

1:12

and you know someone's ripped me off. When

1:14

do I let it go? Who do

1:16

I sue? I even saw a post, it

1:20

was not a question, but in a group

1:22

that I'm in where someone did some work

1:24

for like this dodgy guy and he was trying

1:26

to get her down on the invoice and

1:29

you know she was like should

1:31

I just let it go? You know

1:34

all of these things come back

1:36

to boundaries around money for sure but

1:38

also it really starts to touch

1:40

on our own personal money blocks because

1:44

no one can tell you

1:46

what to do around

1:48

this. There's no real

1:50

rule of thumb when

1:52

it comes to when

1:54

should you chase things

1:56

up? When should you

1:58

let things go? When

2:00

is it better to

2:02

stand up for yourself

2:04

or just let things

2:06

go? There's no right

2:08

or wrong. You have

2:10

to know this based on your

2:12

situation and how you feel about things, okay?

2:14

That being said. Oftentimes the money block that

2:16

comes around this is a real fear of

2:18

talking about money. Now maybe your family hated

2:20

talking about money and this is true whether

2:22

you grew up rich, poor, or middle class,

2:25

anything by the way. In some families... It's

2:27

kind of okay, like, you know, the parents

2:29

might have talked about money openly and honestly

2:31

with kids or it just wasn't a taboo

2:33

thing. In some families, you're not even allowed

2:35

to mention the word. It was like a

2:37

dirty word. And Willow came home from school

2:39

one time and she said that. She goes,

2:41

oh, this person said that money is a

2:43

dirty word. And I was like, what do

2:45

you mean? I swear a lot, right? So

2:47

they know what swear words are in dirty.

2:49

And I'm like, what do you mean? She

2:51

goes, no, she said money is a rude

2:53

word and then she's not allowed to say

2:55

it. And I went, well, in our family,

2:57

we love talking about money. Like in our

2:59

family, we love talking about money. Because what

3:01

I want to aim for my kids is

3:03

neutrality around money. Money is not evil. It's

3:05

not the be all and end all. It

3:07

doesn't make you a better person, doesn't make

3:09

you a worse person than anyone. So I'm

3:11

just aiminging for neutrality about money. Okay, and

3:13

I'll make heaps of mistakes. I'll give my

3:15

kids money box too. Let's put that out

3:17

there. So don't think, oh in the future.

3:19

Ah, Denise's kids aren't good with money. Yeah,

3:21

I'm sure I'll do that. But all of

3:23

our stuff comes from our family. And there's

3:25

always a story. Okay, so when it comes

3:27

to chasing up money, where does that hit

3:29

your money story? So it could be that

3:31

you do want to stand up for yourself

3:33

because you want to reclaim this thing that

3:35

talking about money is evil. And of course,

3:37

if you've been told that for a long

3:39

time, it's going to be really hard to

3:41

set your prices, send invoices, chase up invoices,

3:43

chase up money, because every single part of

3:45

you is just going, this is wrong.

3:47

wrong. This is bad.

3:49

This is like so

3:51

impolite. I'm a disgusting,

3:53

horrible person. Of course,

3:55

you can have compassion

3:57

for yourself and try

3:59

and neutralize that and

4:01

work through it. And

4:03

this is absolutely the

4:05

stuff we do in

4:07

Money Bootcamp, by the

4:09

way. So if you're

4:11

not in our community,

4:13

come and join us.

4:15

Denise, dt .com,/bootcamp. Now's the

4:17

time because that, that

4:19

money block costs you

4:21

money. It

4:23

costs you money to not be

4:25

able to have a normal honest

4:27

conversation. Okay. And

4:29

my money mentor, Kendall Summerhawk,

4:32

she always would say at

4:34

the conferences we go to,

4:36

she said, talking about money

4:38

should be like asking someone

4:40

to pass the salt because

4:42

you wouldn't be sitting there going, Oh

4:45

my God, they're going to think I'm so horrible for

4:47

asking for salt. Oh my God, are they going to

4:49

give it to me? Do I deserve the salt? Sometimes

4:51

you do if you're an overthinker. But it's like, do

4:53

I deserve the salt? What are they going to think

4:55

about me even asking? Am I going to say it

4:57

wrong? Am I taking

4:59

salt away from other people? Is there enough salt

5:01

in the shaker for everyone? That

5:03

all sounds very familiar if you are overthinker

5:06

about things like that, right? And so she

5:08

says, you should just be able to say,

5:10

Oh, excuse me, can you pass the salt?

5:12

Just like you should say, Oh, by the

5:14

way, my price is blah, blah, blah.

5:16

Oh, by the way, your payment failed

5:18

and not make it mean anything about

5:20

you as a person. But we

5:22

know that that's hard. Of course,

5:25

it feels hard. Of course, it

5:27

feels ugly. So that's what we want

5:29

to aim for just that neutrality.

5:31

And you have to do that work

5:33

around it. Okay. So then there's

5:35

some stuff there to explore around what

5:37

kind of clients are you

5:39

attracting? Okay, so

5:41

this is again, it's money mindset

5:43

work. Because if you are

5:45

undercharging and still feeling guilty

5:48

about it, I find that

5:50

people then become a bit of

5:52

a vibrational match to clients

5:54

who take advantage, not

5:56

because you deserve it, not

5:58

because, you know, you're attracted it in,

6:00

it's just seems to be like

6:02

it's a vibrational match in

6:05

so many ways right

6:07

because sometimes they deliberately

6:09

look for people that they

6:11

can like get away with horrible

6:13

stuff too. Or sometimes you

6:15

miss the red flags or

6:17

you're so used to you

6:19

know giving and giving that

6:22

you just don't you don't see

6:24

it. Okay. And what I find

6:26

that what happens is if

6:28

you're have all of those like

6:30

wonky weird money blocks and then

6:32

you're attracting those people and then

6:35

they default right and so then it

6:37

becomes a self-fulfilling thing I'm not

6:39

good with money I shouldn't talk

6:41

about money it's really bad and you

6:44

don't have the boundaries so then they

6:46

do it again and they do it

6:48

again and they tell their friends oh

6:50

come and work with this chick she's

6:52

really cheap or come work with this

6:54

person you know you can get a

6:56

bargain And this isn't all on a

6:59

conscious level, sometimes this is just completely

7:01

unconscious, because birds of a feather flock

7:03

together, right? And so I find that

7:05

the stronger that you get, the more

7:07

work that you do internally around your

7:09

own money mindset, the less, like, the

7:12

fewer, I should say, fewer bad clients

7:14

that you attract, because they just, they see

7:16

the red flags. They go, oh, she's talking

7:18

on a website about, you know, paying

7:20

a deposit. No, I don't want to

7:22

do that. Or a... They're just not attracted

7:24

to you because they just they know that

7:26

they can't get away with it as much.

7:28

So don't blame yourself because we've all

7:31

gone through that. Absolutely. Oh my

7:33

God my first year of clients disaster

7:35

because I didn't know how to have

7:37

these conversations. You know I didn't know the

7:39

first time someone defaulted I thought I

7:41

was going to die I was like oh my

7:43

god I have to ask them and then at

7:46

some point then it just becomes oh by the

7:48

way you payment failed no big deal he's how

7:50

you fix it up. And then occasionally you'll

7:52

still get people who slip through who

7:55

will try and cheat you who will

7:57

not pay and you guess what you

7:59

know going to die. It's not going to

8:01

be bad. It's fine. You'll be able

8:03

to deal with it. The problem is sometimes when

8:05

you don't know how to deal with it

8:07

and you just let them get away with it

8:10

more and more and more. And as I

8:12

said, it becomes a self -fulfilling prophecy. So how

8:14

do you know when it's better just to let

8:16

it go? So sometimes that will happen that

8:18

you will take ownership of your money mindset stuff.

8:20

You know, you feel like you're strong and

8:22

then something will still happen. And I've had people

8:24

who have gone the

8:27

legal route because it felt empowering

8:29

for them to stand up for themselves.

8:31

I've also had people who've just let it

8:33

go. There's no right or wrong. Like

8:36

I'm definitely a bit of a let it go

8:38

person. But there's been

8:40

times where I've said, no, you

8:42

know, this is what you owe me payment plan. We'll

8:44

do it. I've had people who've

8:46

asked to be led out of the payment plans.

8:48

I've said, no, I've had people who have, you

8:51

know, like you can choose. I've had people who've,

8:53

I don't know if I believe them. I've had

8:55

people who have like, oh yeah, my spouse signed

8:57

up for this and they died. I think some

8:59

of that's true. I've seen some of it. I

9:01

don't think it is true. And sometimes

9:03

I've just gone, cool. If that's how

9:06

you want to get money from people,

9:08

how about it? How

9:12

do you get better at knowing

9:14

the difference? And it's all on

9:16

your internal work, working on loving

9:18

and accepting yourself, working

9:21

on your own

9:23

curiosity around your blocks and

9:25

where they've come from. Being

9:27

in conversation with other people

9:29

who are having similar issues

9:31

and realizing that it's normal

9:33

to set boundaries. It's

9:36

normal to, you know, have to have

9:38

awkward money conversations. Okay.

9:40

So a good resource for you. So

9:42

I've got a free ebook called

9:44

awkward money conversations made easy. Okay.

9:46

Awkward money conversations made easy. And there's

9:48

all those scenarios that this person

9:51

has written in about chasing up money

9:53

following up invoices, failed payments. I've

9:55

given you scripts for that. Now, this

9:57

isn't legal advice. Disclaimer, please do

9:59

not me for this. It's just like if you

10:01

don't know what to say here are some things

10:04

that you can say but it's more about the

10:06

mindset of it of going you know what it's

10:08

okay to say no it's okay to chase up money

10:10

it's okay to talk about money and

10:12

if you know that you need to

10:15

deal with this more from like an

10:17

energetic level which to be honest everyone

10:19

does including myself come and join us

10:21

in money boot camp. And then that way

10:23

you can do all that inner work. And

10:25

I'm not saying like in our group we

10:27

don't talk a lot about you know all

10:29

of those specific scenarios all the time because

10:32

we really want to focus on money mindset

10:34

not you know just straight business advice but

10:36

it's it's that internal work in the process

10:38

that we go through that will help you

10:40

deal with those things. Okay because you'll

10:42

you'll realize it's not personal and

10:44

it's okay for you talk about money.

10:47

Okay. I love that question. It

10:49

was a big long one too.

10:51

So on a similar note, the

10:53

next question is about how to

10:56

break up with awful clients who

10:58

are mistreating you. See how it's

11:00

a very similar question, right? Because

11:03

sometimes, because we haven't really healed

11:05

some of our own money stories,

11:07

we're attracting people to give us

11:10

that same situation, because it's

11:12

familiar to us. And sometimes it's

11:14

boundaries. Right? And sometimes it's a

11:17

scarcity thinking thing. So I've had

11:19

people who have been like, you

11:21

know, I've got this client and

11:23

they're horrible and they're, you know,

11:25

not even pay me that well

11:27

and all this stuff, but they're

11:30

80% of my income. Or I'm afraid

11:32

that they'll bitch about me, like they've

11:34

threatened to, you know, go public

11:36

or whatever. And I think bad

11:39

clients. I'm definitely a rite of

11:41

passage. It's been very rare that I've met

11:43

someone who hasn't had at least one bad

11:45

experience with a client. And some can get

11:47

really bad, like I've had people have been

11:49

in legal trouble for years over one bad

11:52

client, and I've had people who have just

11:54

been like, oh, I've had a bad client,

11:56

I've recognized it, and I've let it go

11:58

and just learned from it. including myself.

12:00

I've had awful clients too.

12:02

And so that scarcity thinking

12:04

of, you

12:07

know, I'm relying on them. I

12:09

need them. That can be such

12:11

an awful place to be

12:13

in because sometimes, sometimes

12:15

that's true. You know, you're like, well,

12:17

I wouldn't be able to pay

12:19

my rent without this client or whatever

12:21

it is. And so it's never good

12:23

to be in those kind of

12:26

relationships. And even if for a

12:28

while, if you can afford it

12:30

to let someone go before new

12:32

work comes in, sometimes that's the

12:34

decluttering that you need to make

12:36

space for new clients. And it is

12:38

miraculous. Sometimes it just happens like

12:40

that. If you know that that would

12:42

actually cause a lot of issues

12:44

and drama, then you have to side

12:46

hustle. You have to hustle and

12:49

get those new clients so then you

12:51

can replace that income. Because

12:53

often with awful clients, there is

12:55

such a huge cost anyway. There's

12:57

an emotional cost and energetic cost.

12:59

There's often a financial cost too,

13:02

because it's like when you have

13:04

a terrible job, you end up

13:06

spending money in other ways to

13:08

compensate for that, to medicate

13:10

yourself, to numb yourself with

13:12

shopping or alcohol or food

13:14

anyway. Or it just feels

13:16

so awful. Not all money

13:19

feels like good money. Okay,

13:21

so you have to get clear on

13:23

what the cost is to you.

13:26

What is it costing you to not

13:28

have or to have that person

13:30

in your life? And, and

13:32

yeah, you can how to break up with

13:34

them. I've seen a couple

13:36

of different ways. So again, that awkward

13:38

money conversations has some advice

13:40

in there, I think about

13:43

breakups. But I would say

13:45

to like come to an end of

13:47

a contract, like you can say, great, we're coming

13:49

to the end of the contract. And I've

13:51

said to people, you know, you've outgrown me. Because

13:54

especially if you've got an awful client

13:56

who's maybe a bit of a

13:58

narcissist has a narcissistic personality. or an

14:00

ego kind of problem, you kind of

14:02

have to do that sometimes to appeal

14:05

to their ego to say, you know

14:07

what, I've come to the end of

14:09

what I can give you, what I

14:11

can teach you. And I've actually even

14:13

said to people, I've gone like, I

14:15

will take your money, but this is

14:18

not the best use of your funds.

14:20

And I've said that to people not

14:22

who are awful, but just who, you

14:24

know, maybe weren't ready. for my work

14:26

or you know weren't right for a

14:29

retreat investment wasn't the appropriate investment I've

14:31

just gone I will take your money

14:33

and I'll spend it guilt-free but this

14:35

is not the best use of your

14:37

income right now you know I think

14:40

you could you'd be better off spending

14:42

it on Facebook ads or spending it

14:44

on this and you could say that

14:46

to a client too and make it

14:48

very clear you know from this date

14:50

I'm gonna hand over your file or

14:53

I'm gonna you know stop working but

14:55

you cannot live like that like that

14:57

forever It's so exhausting and it's, yeah,

14:59

it's just, it's really not good, is

15:01

it? So yeah, there's lots of different

15:04

ways you can just say, I'm done,

15:06

here's the end of our contract, if

15:08

you want to, you can find someone

15:10

else, and don't be afraid about people

15:12

bad-massing you because you know what, they're

15:15

probably already doing it. And I found

15:17

that people who are like that end

15:19

up doing this again and again and

15:21

again. And if you got together with

15:23

lots of different people, you'd realize that

15:25

everyone's feeling the same way, like the

15:28

threat of being, you know, writing a

15:30

bad review. Who cares if they write

15:32

a bad review? Let people be wrong

15:34

about you, is my new philosophy on

15:36

that. Okay, cool. Let's take a quick

15:39

break, and then I've got some more

15:41

questions after this. Hey there, this is

15:43

Megan Moran from the Mom Prenewer Guide

15:45

in Cleveland, Ohio. Denise, I cannot thank

15:47

you enough for all that you are

15:50

doing for us fellow entrepreneurs. From Get

15:52

Rich Lucky Bitch to Chill Prenewer to

15:54

joining your Sacred Money Architects program, I

15:56

have learned so much on how to

15:58

be a mom entrepreneur with a little

16:01

bit more ease. In your books, I've

16:03

learned that you don't have to overcomplicate

16:05

things. You can make marketing simple and

16:07

you can make it in a way

16:09

that's right for you. From marketing your

16:11

business by sharing what you do and

16:14

making an offer to living a keyless

16:16

lifestyle and not having too much friction

16:18

in what you do. pairing that with

16:20

sacred money archetypes by figuring out who

16:22

I am down to the core and

16:25

using that to guide the activities and

16:27

the way that I'm serving people in

16:29

my business has transformed my life. Denise

16:31

again I cannot thank you enough for

16:33

all the work that you're doing and

16:36

I can't wait to see what else

16:38

you come up with in the future

16:40

because I know for sure I'm going

16:42

to be consuming it like no other.

16:45

Thank you again for all that you

16:47

do. doing an ask me anything episode

16:49

and I'm going through some questions that

16:51

I've got. So this question is how

16:54

to set your business to autopilot and

16:56

enjoy an end of year break. Now

16:58

that's all the information I have about

17:00

this question. So it totally depends on

17:03

what you do, but this is advice

17:05

that works for a lot of different

17:07

businesses. Okay, if you want to make

17:09

money when you're not actively working, you

17:12

do have to create some form of

17:14

passive income. Now, this can come in

17:16

so many different forms. You can write

17:19

a book. You can create a course.

17:21

You can get ad revenue. You can

17:23

get royalties. You can make money from

17:25

affiliate sales. There's so many different ways.

17:28

So it depends on how much you

17:30

need to make. But I really feel

17:32

like every business needs to have

17:35

some of these extra forms of

17:37

income. Not just because you want

17:39

to take a break, which is

17:41

a great reason. But let me tell

17:43

you a couple other ones. So my

17:45

friend Jody Jellis, who creates funnels and

17:47

websites and you know she's an

17:50

amazing marketing expert, she had an

17:52

accident recently. She was doing, I

17:54

think she was doing like aerial yoga

17:56

or something and she literally landed on

17:59

her head and and like just

18:01

could not move, she was in

18:03

a bed and she's still recovering,

18:05

right? So like without being

18:08

able to have passive income

18:10

and team and not have

18:13

everything in the business rely

18:15

on her, like everything would

18:17

have gone horribly and it

18:20

was still really challenging, right?

18:22

And so you never know

18:24

what's coming. And you know,

18:26

you might want to have. a

18:29

baby, you might want to expand

18:31

your family, you might want to

18:33

go traveling. I've had friends now

18:36

that, like most of my friends

18:38

are in their mid to late

18:40

40s, who've had to look after

18:43

family members, look after parents,

18:45

and this has a massive

18:47

impact on our businesses and

18:49

our incomes. So the more that

18:52

we can recession proof our business,

18:54

illness, proof our business as much

18:56

as possible. the better off will

18:58

be. Okay, so in my business,

19:01

I make book royalties from my

19:03

books, so I get those every

19:05

six months. I've got a couple

19:08

of courses that people can buy

19:10

at any time. I've got, you

19:12

know, usually payment plans from when

19:15

I've done big launches. I get

19:17

some affiliate revenue. I don't do

19:19

ad revenue because I don't have

19:21

monetization set on any of my

19:24

videos, but some people do that.

19:26

And there's... You know, I've got an app

19:28

that's free, but some people sell their

19:30

apps and things. You know, there's so

19:32

many different ways that you can create income

19:35

when you're not actively working. I find

19:37

though that there's a massive big mindset

19:39

shift for people around that, that it

19:41

doesn't feel like it's real or it

19:43

feels like it's too much hard work.

19:45

It really creates a lot of money

19:47

blocks for people. I've written a lot

19:50

about... passive income. So if you just

19:52

Google just Google Denise D.T.T. passive income,

19:54

you'll see all the different articles I've

19:56

written about it because I honestly think

19:58

it's not a logistics thing. it's

20:00

absolutely a mindset thing. Okay,

20:02

so that's what I would do. Set

20:04

your business to autopilot. What does that

20:07

mean to you? So it could be

20:09

for the next couple of

20:11

months, look at everything that

20:13

you do in your business and I've

20:15

got advice for this in my

20:17

book, Chill and Prosper as well, and

20:19

you look at everything you go, okay,

20:22

what can we automate? What can

20:24

we delegate? Well, actually, sorry,

20:26

it's always start with eliminate first.

20:28

What can we eliminate? So no

20:30

one needs to do this. Then

20:32

what do we automate? What do we

20:34

delegate? What can we batch? And batching

20:36

is just doing like similar things

20:38

together. So for me, I'm in the

20:41

podcast studio, I'll do 10 episodes today.

20:43

So I've batched it, I've done it.

20:45

Those are the sort of things that

20:47

you look at because I really, I

20:49

don't know that many people whose businesses

20:51

are on complete auto pilot as in

20:54

they never have to do anything. But

20:56

you can definitely set up your business

20:58

to earn money in a more passive

21:00

way and be able to take some

21:02

time off without not having any income.

21:05

Okay? Now the other thing is it's

21:07

it's definitely a mindset shift around allowing

21:09

yourself to take a break. We used

21:11

to run the money boot camp group

21:14

365 days a year 24 7. Oh, I

21:16

will be there for you. I was like

21:18

a chat line lady. I'll be there for

21:20

you anytime day or night. 365 days a

21:22

year and people would tag me on Christmas

21:24

Day, right. And so it was

21:26

a mindset shift for me to

21:28

say, actually, you don't need me

21:31

on weekends. I'm going to not

21:33

answer questions on weekends. And we're

21:35

going to take two weeks over

21:38

Christmas where we shut down the

21:40

group and we do it over the

21:42

East a long weekend. And so no

21:44

one, even my team, does not have

21:46

to be on. And it's paid for

21:48

my team. And we just go like,

21:50

we're actually completely switched off.

21:52

And you might think, oh,

21:55

cool. Surely that's an easy thing to do.

21:57

It took me like 10 years to do that.

21:59

Oh no, maybe. I think we were like eight years into

22:01

the group where I was like, Oh my God, am I going

22:03

to take Christmas off? And

22:06

it felt really good to be able

22:08

to do that. But that was a decision

22:10

and I had to get over all

22:12

my blocks of like, no, but people need

22:14

me. I'm not going to take time

22:16

off. So I hope that answers your question,

22:18

right? It's a real mix of practical

22:20

stuff of actually allowing yourself to get paid

22:22

for things when you're not around.

22:24

And also the mindset shift

22:27

of allowing yourself to take time off.

22:30

Great question though. Great question.

22:32

Okay. Um, all

22:35

right. Now this is a very

22:37

similar question, actually. I'm glad someone

22:39

asked this one too. Um, so

22:41

my team was saying people are

22:43

asking a lot about growing wealth

22:45

when you have a chronic illness

22:48

or disability, um, particularly feeling like

22:50

it's hard to find role models

22:52

who are thriving. And you know,

22:54

big shout out to anyone in

22:56

our community who is dealing with,

22:58

um, uh, disability, a chronic illness

23:00

and invisible, um, disability as well,

23:02

because here's the thing. There's actually more

23:05

people than you think who are dealing with

23:07

those sorts of issues. And I

23:09

think that's the key, right? Is

23:11

it's hard to find role models

23:13

who are thriving because so many

23:15

people feel like they have to

23:17

hide it or they're struggling with

23:19

visibility around this, not everyone. Like

23:22

there's definitely, um, people who, you

23:24

know, are open about it. But

23:26

I think there's a shift that needs

23:28

to happen around this is that,

23:30

um, people are scared to sometimes

23:32

disclose things like that because they're worried

23:34

that their clients would think that

23:36

they're not reliable or

23:39

that it just doesn't feel very

23:41

sexy to talk about. Or, um,

23:43

yeah, they just worried about how

23:45

people would react if they disclose

23:47

things, particularly if they've got clients,

23:49

right? So there's a lot of

23:51

hidden kind of stuff. Now, very

23:53

similar to the question I had

23:55

before about setting your business on

23:58

autopilot, um, I

24:00

think. But the advice is very similar,

24:02

right? Because however people want

24:04

to take a break from

24:06

their business, the work to

24:08

do that is very similar.

24:10

Whether it's you know that

24:12

you have limited energy or

24:14

you have limited physical capacity

24:16

or you deliberately want to

24:18

take time off for a

24:20

baby or travel or caring

24:22

responsibilities, it's the same. So

24:24

it's looking, being very honest

24:26

about what you can do. Again,

24:28

eliminating things. No one should be

24:30

doing this. An example of this

24:33

too could be where you have a

24:35

product or service, that causes you stress.

24:37

You know, and you might go,

24:39

actually do not want to, I'm

24:42

no longer going to take on

24:44

clients for last minute jobs unless

24:46

it's like a premium rate, because

24:48

that does not work for my illness.

24:50

It does not work for my disability.

24:52

I do not know if I'll have

24:54

the energy to do it. Similarly,

24:57

it might not work for you

24:59

if you have young kids or

25:01

caring responsibilities, right? So that could

25:03

be a decision. I'm going to

25:05

eliminate the things that bring me

25:07

stress. I'm going to eliminate clients

25:09

or offerings that do not work for

25:11

me. I used to get up really early

25:13

and have like 4.30 a.m. sessions did not

25:15

work for me. After a while, it was

25:18

not good for my mental health, right?

25:20

So eliminate first, then you look

25:22

at what can I automate? And

25:24

automation is such an important tool

25:26

for every business, but particularly if

25:28

you know that you have limited

25:30

energy. So repetitive tasks, maybe it's

25:32

investing in a bit of software,

25:34

which is often very low costs,

25:37

if not free in some cases,

25:39

to do things like online appointments.

25:41

You know, I used to get

25:43

emails back and forth, what day in

25:45

time works for you? Well, I'm on

25:47

this time zone, I'm on this time

25:50

zone. eliminate that as a stressor for

25:52

you. Allow people to book

25:54

online with you. Maybe you

25:56

shift the way that you

25:59

make offerings. Actually, most of

26:01

the, this is really interesting, even

26:03

as I'm processing it aloud. I've

26:05

had a lot of like intuitive

26:07

readings over the last couple of

26:10

years that were not live. As in, we

26:12

didn't get on Zoom together, they sent

26:14

me an audio. Isn't that

26:16

interesting? And I think that's just because

26:19

the way I don't mind connecting like that,

26:21

it actually is great. I've got a friend

26:23

who's a psychic medium who's also a nurse,

26:25

my friend Rebecca Gibson, and that's how she

26:27

does her readings often now is that people

26:30

will buy the reading and it will be

26:32

like an hour reading and she'll send them

26:34

an audio. So she can do that as

26:36

her energy when she has the energy for it.

26:38

Okay, so you might think, oh, but no one would do

26:41

that, no one would pay for it, it has to

26:43

be live or it has to be in person. I'm

26:45

telling you, that's not, I'm a person, I'm telling me,

26:47

I'm a person, I'm, I'm, I'm, I'm telling, I'm, I'm, I'm, I'm,

26:49

I'm, I'm, I'm, I'm, I'm, I'm, I'm, I'm, I'm, I'm, I'm, I'm, I'm,

26:51

I'm, I'm, I'm, I'm, I'm, I'm, I'm, I'm, I'm, I'm, And it's

26:53

been great. And then maybe you

26:56

have a rule for yourself that

26:58

you only take on a certain

27:00

amount or you set really like

27:02

clear boundaries around how quickly people

27:04

will get that back. And so

27:06

then there's no pressure on you to

27:09

do that. You've shifted and

27:11

changed your business model. Maybe

27:13

you can no longer do

27:15

in-person stuff because you just

27:17

don't know, it gives you too

27:19

much stress about the uncertainty of

27:21

it. Move it online. It's totally fine

27:24

to have it exactly the way it

27:26

works for you. And have something for

27:28

people to buy that they can, you

27:31

know, a passive income thing, a book,

27:33

a course, something that doesn't require always

27:35

you. And if you can afford it,

27:38

as your business gets bigger, hire people

27:40

in to come and support you. So

27:42

it could be someone who does your

27:44

customer service for you. If you run

27:46

events, but you know that you get really

27:48

tired at the end of the day. I

27:50

mean, I don't have a chronic illness, but

27:53

for me as an introvert, the end of

27:55

the day, I just can't do it anymore.

27:57

So I would bring in like someone like

27:59

my friend Victor. Gipson to be

28:01

like my wing woman and

28:03

so I'd be like I'll do the

28:05

morning sessions you do the night

28:07

sessions and having that kind

28:09

of just honesty in

28:12

yourself that you don't

28:14

have to be everything to everyone you

28:16

can bring in other people to

28:18

help you you can allow people to

28:20

support you and actually my friend Tash

28:22

Corbin you know she she has chronic

28:24

illnesses and she has you know physical

28:26

challenges as well with operations that she's

28:28

had over the last couple of years

28:30

and at her conference recently she she

28:32

had a lot of friends there who

28:34

were in very similar industries and she

28:36

was just like can someone run a

28:38

session for me because I can't I can't

28:41

do it and we're like yep done

28:43

and then I was having a colonoscopy and

28:45

she sent me a message she was

28:47

like if you need me to I'm gonna

28:49

be on the call if you need

28:51

to go and poop poop yourself I'll be

28:53

there for you because I want to

28:55

give back and I just thought

28:57

wow that's just so beautiful it's a

28:59

real lesson in in receiving and

29:01

it's a real lesson in just being

29:03

I don't know just honest sometimes

29:05

about I'm like like what

29:07

we can do and what we

29:09

can't do so big shout out

29:11

to definitely any of the chronic

29:13

illness disability communities in the entrepreneurial

29:15

world because yes you have you

29:17

have extra challenges absolutely and you

29:19

know hopefully some of that advice

29:21

has been really helpful for you

29:23

and also you know like I

29:25

think don't be afraid to be honest

29:27

with your community and share those things

29:30

because obviously there's a lot of people

29:32

in the same boat who feel alone

29:34

and they feel like they don't have

29:36

role models to look up to so

29:38

I mean you can be that role

29:40

model and you can inspire other people

29:42

to also be role models right which

29:44

is beautiful so thank you thank you

29:46

so much for that question okay I can probably do

29:49

one more okay

29:52

okay this is a good one oh

29:54

I love it these are all similar themes

29:57

right um how can you do money mindset

29:59

work is this Is there some way

30:01

we can automatically do it daily?

30:03

Something we can automatically do it

30:05

daily. Now, I love teaching this

30:07

on Money Boot Camp. Some of,

30:09

we call these anchors. And it's

30:11

looking at where you can put

30:13

these money mindset reminders into your

30:15

life without you having to always

30:17

think about it. Because you might

30:19

think, oh Denise, I bet you're

30:21

doing your money mindset every day,

30:23

you're like gentling and you're just

30:25

so good and so diligent. And

30:27

I'm not, I'm super lazy with

30:29

my manifesting, but I've got enough

30:31

things in my life now that

30:33

I am doing money mindset work

30:35

daily without having to think about

30:37

it too much. So here are

30:39

a couple of my tips. Number

30:41

one, be in community with other

30:44

people talking about it. And that

30:46

just sounds like a plug for

30:48

my money boot camp. It's not

30:50

at all. It's just so crucial

30:52

to be around people talking about

30:54

this conversation of money. So it

30:56

can be normalized. So you are

30:58

just immersed in it without always

31:00

having to think about it. When

31:02

there's someone in our money community

31:04

who has a breakthrough and shares

31:06

a hire around it, it has

31:08

such... a healing impact on the

31:10

whole community because one, it sparks

31:12

off and someone goes, oh my

31:14

God, same but different, oh my

31:16

God, exactly the same thing happened

31:18

to me. You feel less alone,

31:20

you feel less weird, like you're

31:22

just like, oh yeah, okay, but

31:24

also, like, you're just in that

31:26

conversation of healing and curiosity in

31:28

real time, all of the time.

31:30

And because we've got so many

31:32

people in our community, now there's

31:34

always someone going through something any

31:36

time day or night. So you

31:38

know when you're having those moments,

31:40

you're just like, I feel really

31:42

scared. There's always going to be

31:44

someone online because we're a global

31:46

community, right? So that's how you

31:48

do it automatically is immersing yourself

31:51

in the water of it every

31:53

day. Now then you can take

31:55

it one step further, right? So

31:57

I like to teach, as I

31:59

said, what I call... anchors and

32:01

looking at what works for your

32:03

brain some of us have to see

32:05

things to believe it and so you

32:07

might be a real visual person

32:09

and so things like dream boards

32:11

are going to be really important

32:14

to you what's on your screen

32:16

saver what's around you that you

32:18

see every day posters words it

32:20

could be things like that remind you

32:23

to do that money mindset work so

32:25

my I have a little pop-up on

32:27

my calendar every day and it will

32:29

come up and it will just tell

32:31

me the things of like what I'm working on

32:34

at the moment. So it might, I'll just try

32:36

and pull up one of my, so at the

32:38

moment I'm selling some houses. So I'm like,

32:40

you know, the perfect person at the perfect

32:42

price. And that's like a little pop-up reminder

32:44

on my phone that comes up on my

32:47

calendar. Those are the things that you only

32:49

have to set up once and then you

32:51

don't have to think about them. And I've

32:53

got so many little things like that, that

32:56

if you're a more kinesthetic person and you

32:58

need to feel things, if you need to

33:00

hear things, you can layer these into your

33:03

life and then you don't really have

33:05

to think about it. And like, I'd love

33:07

to say that I'm writing my goals down

33:09

every day, I don't always remember to

33:11

do it. But there's never a day

33:13

that I go without some reminder of

33:15

my money mindset work. Okay so make

33:18

sure you come and join us in

33:20

money boot camp so you can just

33:22

be immersed in that culture and you

33:24

know you'll realize that you're just normal

33:26

like everyone else we're all dealing with

33:28

our work and it will inspire you

33:30

to shift those. Okay well great questions today

33:32

thank you so much everybody and yeah

33:35

I actually do want to share another

33:37

book that I'm reading at the moment

33:39

with some lessons in it too so

33:41

don't go away because that's always a

33:43

question is what are you reading at

33:45

the moment. I'll see in a sec. Hello, my

33:47

name is Tash Corbin and I

33:49

teach consent-driven marketing and sales strategies

33:51

to online business owners. I've been

33:54

a member of Denise's Money Boot

33:56

Camp for several years now and

33:58

the things that I love about

34:00

boot camp are that it

34:02

is a deeply inclusive space

34:04

and Denise's program is not

34:06

built on toxic positivity or

34:09

bypassing our real and lived

34:11

experiences. Denise never tells us

34:13

to hustle harder or burn

34:15

ourselves out or subscribe to

34:17

the patriarchal systems and tools

34:19

that are pervasive in online

34:21

platforms and the personal development

34:24

world these days. One of

34:26

the things that I love

34:28

about Money Boot Camp is

34:30

that it hasn't just helped

34:32

me to increase how much

34:34

money I make and how

34:36

much money I keep in

34:38

building my investments and savings,

34:40

but it's helped me embrace

34:42

a life of easy, lazy, and

34:45

fun approaches to making more money

34:47

and keeping more money. Money is

34:49

fun for us to make, to

34:52

spend. to invest and to give

34:54

away and embracing the

34:56

approach that Denise teaches

34:58

has completely changed my

35:00

life for the better.

35:02

I am so grateful

35:05

for Money Group Camp.

35:07

Okay, welcome back. So, final

35:09

question for today is what

35:11

book am I reading? a

35:13

book by Keenan Thompson. So

35:15

you might know Keenan from

35:17

some of his acting work

35:19

as a kid and he

35:21

was I think he's in

35:23

like Mighty Ducks 2 or

35:25

something and then he's most

35:27

well-known at the moment for

35:29

being the longest running cast

35:31

member on Saturday Night Live and

35:33

he's got a book that's just come

35:35

out and it is such a cool

35:37

book but again money

35:39

mindset lessons right so

35:41

Keenan went bankrupt. And he's

35:44

like early 20s because he

35:46

had a lot of success

35:48

as a child actor and

35:50

as a teen actor and

35:52

made a lot of money

35:54

and then did a lot

35:56

of the things that we

35:58

do where we spend money

36:01

that we shouldn't and we

36:03

over like we've got I

36:06

think he bought like a

36:08

big house like all this

36:10

stuff that's very very relatable

36:13

as someone who is also

36:15

a new money person right

36:17

and yeah again very honest

36:19

and open about his mistakes and

36:21

what he learned and the humiliation

36:23

and ego that came up for

36:25

him about being bankrupt at such

36:27

an early age and the you

36:29

know the implications of that so

36:31

so good so I highly recommend

36:33

that book especially I mean I

36:36

didn't know much about his career

36:38

other than Saturday Night Live and he

36:40

really goes in real detail. So if

36:42

you have been a fan for a

36:45

long time, I think you'll get a

36:47

lot of juicy bits from that. And

36:49

then being a money mindset student like

36:52

I am, I think you'll appreciate some

36:54

of the money lessons too. So his

36:56

book is called When I Was Your

36:59

Age, Life lessons, funny stories and questionable

37:01

parenting advice from a professional clown. And

37:03

that's... Kenan Thompson. All right, thank you

37:06

so much for all your questions and

37:08

I will see you on another

37:10

episode of Chill and Prosper next

37:12

week. Take care, bye. Thanks for

37:15

listening to Chill and Prosper. Tell

37:17

your friends to Chill and Prosper.

37:19

Review and subscribe. We hope you

37:22

had a very good time.