Are You Building Your Business But Not Making Money

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Ep. 200: Are You Building Your Business But Not Making Money – Here’s What’s Missing

In this episode of Your Money Your Life, I focus on why prioritizing money is crucial and how it impacts every aspect of our lives and businesses. Sharing my personal journey and insights, I delve into the importance of mindset, money management, and emotional regulation. You’ll learn about the pitfalls of focusing solely on income goals and how managing existing finances can transform your business and personal life. Tune in to discover how to truly figure out the money and elevate your life.

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Resources:

The Unstoppable Experience – https://aimeecerka.com/unstoppable
Cashflow Calculator – https://aimeecerka.com/cashflow
YNAB – https://aimeecerka.com/ynab
Instagram – https://instagram.com/aimeecerka
Hire Aimee For Coaching – https://aimeecerka.com/coaching

Podcast Key Points

00:00 – Money First for Business Success
05:37 – Unstoppable Mindset for Success
06:45 – Money Mindset: Meaning and Emotions
09:59 – Unstoppable Mindset, Unstoppable Success
14:13 – Mastering Money: Balance Emotion and Strategy
20:07 – Stress-Free Account Tracking
23:38 – Consistent Cash Flow Solution

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Prioritizing the Money

We’re gonna talk about why we focus on the money, why the money comes first, and how it affects everything else when you figure out this key piece. And when you do this, you’ll see results faster. If you are somebody who just feels like I’ve got to hit this income goal, I’ve got to get to $10,000 months in my business, I just need to hit this income goal and everything will be set.

This episode is for you. This is the Your Money, Your Life podcast, the show where I help female entrepreneurs go from stress and struggle to unstoppable.

The Impact of Income Goals

Here we blend step by step strategy, mindset work, and emotional regulation so you can create unstoppable finances, build an unstoppable business, and truly enjoy your unstoppable life. It’s time to take my wisdom, my expertise to help you simplify money and go beyond the numbers. I’m your host, Aimee Cerka. Welcome. I’m so glad you’re here.

Welcome back to the Your Money, Your Life podcast. I’m your host, Aimee Cerka. We are talking about why we focus on the money today and how that affects everything else in your business.

Overcoming Income Fixation

There was a time where I was so fixated, I guess, why I felt like I just had to hit the income goal. I’ve got everything else done. I just need this just needs to work out. I need to get in front of more people. I need to, you know, say the right things. I need to hit this income goal. And when I hit this income goal, everything else will work, and then I’ll quote, air quotes, be successful. Right?

Have you ever felt that same way? But it wasn’t until I it was a coach that I started working with, and, you know, it took some time because I can be stubborn. Right?

Reevaluating Financial Success

Through a process, I started to realize that that income goal wasn’t wasn’t the end all be all. That wasn’t the problem that I needed to solve. Right? That wasn’t the big thing that was in the way. And a lot of my clients come to me, and we feel like our biggest problem is we just need to make more money. Right? We just need to do that.

We just need to do just need to hit the income goal. But what we realize through working together, through the unstoppable experience, through Money Mastery Academy, what we realize, when you take care of the money, everything else in your business and life gets easier.

Focus Beyond Revenue

And it’s not just taking care of the money, like hitting that income goal. And that’s where we feel like it’s gonna solve the problem. Right? We feel like when we hit the income goal, everything in life is gonna get easier, but that’s not true. You’re sitting there telling me, you know, if I just got to six figures, I’d be set.

There’s somebody who’s at six figures saying if I just got to seven figures, then I’d be set. It’s this constant belief, this feeling. Like, if I make more money, there wouldn’t be all my problems would disappear. Right?

Money Management as Key

Like, wouldn’t be a problem. We’d be great. Marriage would be great. Relationship with my kids would be great. My business would be great. My health would be great. I’d feel unstoppable. I would be my personal power. All of that would disappear if I was just making more money. But there is somebody who is making more money saying the exact same thing.

And there’s so many times where, like, no. I’m the exception to the problem. Really, if I just made more money, it would be okay. Okay. And figuring out the money, why we focus on the money isn’t just about revenue.

Emotional Aspects of Financial Management

This is an emotional thing. This is money management. This is a mindset piece. We have to focus on the money here, and then everything works opens up. Right? Now with my cash flow calculator, that is the assessment style calculator that I have that you can go grab. AimeeCerka.com/cashflow. That link is in the show notes as well.

And what that does is it helps you uncover the right work, you know, where you’re already on track, where you’re doing the things that you need to, and where you need to might need to make shifts. So it helps you see the big picture when it comes to money because we cover we have parts in there that talk about, like, okay.

Consistent Cash Flow

Hey. Are we on track with the defense, managing our money? Are we on track with the offense, making more money, which is, again, the part that a lot of us focus on. And even within that, there’s one question in particular inside the cash flow calculator that I always people are always surprised about. But it’s just shifting the way that we look at it because we get so fixated on the thing that’s not actually making the difference.

So if you are somebody who’s like, I would love to finally see consistent cash flow month after month. I don’t really know why I’m not doing it. If you’re listening to this episode and you’re like, I kinda feel like I’m on track with this, Aimee. Grab the cash flow calculator.

Setting Foundational Financial Health

That’s a great free step, a first step to make progress and see where you might be off track. Okay? But we focus on the money, again, not just from a we need to make more money. That would be it’s different. And that doesn’t solve problems. We have to get to a place of feeling successful where we’re at.

And that’s really why it’s the unstoppable finances, the unstoppable life, the unstoppable business. Because we’re not going to create that life, that business, that’s all butterflies and rainbows, and there’s nothing wrong that ever shows up. Right? Stuff’s gonna come up. But what happens when those things come up?

Navigating Financial Challenges

So what happens when you have a couple months that are down in sales? Can you still feel successful? Do you know that it’s all gonna be fine because you’re exactly where you’re supposed to be? You’re already successful. You already have those things. When you can get into that space of gratitude and remove the emotions that show up with in our finances. Right? We’re not controlled by fear of, you know, am I able to take care of my family, avoiding it? How many people have avoided their their taxes, preparing everything for their taxes because they don’t want to know where they’re at.

Removing Financial Shame

Or the other portion of that is, what if you’ve done the numbers and maybe you’re in the red and you’re creating meaning around the fact that you didn’t make a profit in your business. There’s no meaning to these things unless we give them meaning. And when you create the unstoppable, this is why we focus on the money. Because when you can remove those emotions or at least navigate them, understand why we’re having these triggers because they’re not gonna go away completely. We’re gonna get better at it as we work through layers of this is why I feel the way that that I feel. Right?

Addressing Emotional Spending

If you go shopping and you buy something for Amazon and you have guilt about it, or you make a purchase for a business program and you don’t tell your spouse about it, why are we doing those things that we’re doing? There’s mindset that we have to adjust the way that we think, that we feel. The way that we think about money is really the mindset piece. Right? What we think about money from a lot almost a logical perspective. But, again, we’re going back to true thoughts, not just, hey. We’re in the personal development world, and I know money is a tool. How do you really feel about money?

Importance of Emotion Management

And then we talk about the emotions. Right? When you handle the thoughts and the emotions, so why do we think the things that we do? Okay. That’s where, like, little t trauma can come in. It could be big t trauma too. But a lot of us is little t trauma. And the and it’s not to say anything bad against about upbringing, about relationships. There can be there can be situations. There can be things that were very horrible that you went through. Right? But it doesn’t have to be. We can create this for ourselves. And regardless though, which one it is, this results are the same. The circumstances are the same.

Handling Traumas in Finance

Now if you are somebody who’s gone through abuse and serious trauma, that I am not negating that at all at all. That’s, like, big big point for me. I’m not negating that at all. That is a horrible experience that you went through. And my inbox is open if you wanna talk because, yeah, that’s all I’m gonna say here. The results are the same though. And what you do with what happened to you and how you move forward, that’s what you can control. So we can stick, sit, and say stuck in this is what happened to me and this is where things are at, or we can choose to move forward and make it from a place of empowerment.

The Story of Two Brothers

Maybe you’ve heard the story or the I guess, maybe I’m assuming it’s a real story, illustration, something. There were two brothers. Their father was an alcoholic. He was abusive, physically abusive. And the one brother became an abusive alcoholic. And he said, I had no choice because my father was an abusive alcoholic. But the other brother became a successful multimillionaire, had a wonderful family, kids, was successful and enjoyed his life.

When you asked him, he said I had no choice because my father was an abusive alcoholic, and it’s what we do with it.

Choosing Empowerment

The emotions are gonna show up. These things are gonna happen to us in life. Your choice in the moment is what you’re going to do with it. So when you choose to handle the emotions, to handle the mindset, to really work on those things so that you are unstoppable, you see how you’re successful already.

You are successful.

You are unstoppable.

You just have to own it.

When we focus on those things, when we take care of that part of the money, regardless of the income level who’s already showed up or not.

Finances Beyond Income

When you take care of that portion of the money, taking care of managing what you’ve got, again, without the mindset, without the stories that we’re selling or telling ourselves, it’s just numbers. When we do the things that we need to with the numbers, without the emotions meaning anything, without the fear showing up, without the overwhelm, when we simplify things, which is what I do because you’ve got the information. Right?

There’s so much information out there on budgeting and mindset. You have all of these tools at your disposal. So why are we not doing these things? Because we make it overwhelming as heck.

Simplifying Financial Management

So I help you simplify it, make it simple so that you can you feel clear. You feel empowered to be able to look at your numbers without judging yourself. When you’ve got a space and somebody you can talk to that you know, you’re not gonna judge me for the fact that I haven’t made money in my business in three years or whatever it might be.

There’s no judgment there because it’s just the facts. The judgment, the fear, the shame, the guilt, all of that is self-imposed, And society doesn’t help. Right? Because we have the whole keeping up with the Joneses.

Prioritizing Money Effectively

And you should do this and you should do that. When you can get through and cut through all that noise, you’ve prioritized the money. That’s when you really figure out the money. We cut through all those noise, and you’re able to do the things that you need to. You’re successful then. Right? Your relationships better. Your health is better. You own your personal power.

You do these things regardless if the revenue if the income goal has shown up. But when you do these things, the income shows up and you achieve the income goal. Right?

Energetic Alignment and Success

We manifest out of our energetic alignment, AKA our emotions. So you this is why it’s not just mindset. Because you can do all the right things, the step-by-step. You can do all the right things and be frustrated as hell and overwhelmed and burnt out. And you’re like, I just need to do this so I can make the money. I will go.

This is the way I used to be. I was like, tell me what to do and I’ll go do it. I will do the work needed to create that success. Just tell me what to do and I’ll go do it. But the energetic alignment, the emotions, the frustration, the burnout, all of those things, my health because I was it’s like, I don’t have time to take care of me.

Prepping for Financial Success

I’ll do that when I hit the income goal. Right? Have you said that before? That’s not how it works. When you take care of the emotions, we take care of these things. When we’re gratitude, happy, feeling successful where we’re at, you’ve got the financial clarity. You make better decisions. You attract the people that you want to in your business because you’ve got more energy and more confidence because you’re not sitting there stressed out.

I’ve got a client that I’m thinking of, and she worked with me inside Money Mastery Academy.

Case Study: Achieving Success Without More Money

And she did this work. She worked on the budget the budgeting and the money management and the stories that she was telling herself about what it meant. Yes. She wanted to make more money, but you know what? They ended up that her husband took a pay cut. They were making less money, but they were in a better place financially because they had done the step by step strategy of taking care of the money management and removing the emotions, the shame, the guilt, the overwhelm, the stress, all of that.

They had done that work to remove that, and they were actually able to make less money.

Strategies for Building Financial Security

Their relationship, their marriage was better even though they were making less money because they had truly focused on the figuring out the money. This is really what figuring out the money is. And it’s not about just the emotional part. Because if you’re avoiding the part that you need to be doing with budgeting, with a debt payoff strategy, which we’re gonna talk about in a couple weeks probably, with creating financial security, all of those things.

If you’re avoiding that and you’re like, I’m just gonna focus on energetic alignment, and it’s all gonna show up, you’re still avoiding.

CEO Mindset and Money Management

You don’t have to micromanage and obsess over the numbers, but you do need to know where they’re at. You have to be the CEO. So whether you’re doing it yourself or you’re getting help, which getting help, hiring a bookkeeper, having somebody to do daily money management on the personal side, If the numbers themselves are not your strong suit, avoiding it or not outsourcing, not having somebody to help you, that’s still the emotion because you’re still creating meaning around it.

You’re not prioritizing them, giving the space that they need without the emotion.

Overcoming Financial Avoidance

So you’re still tying emotion to it by avoiding. And the flip side of that. Right? Because we’re again, for thinking, I just need to make more. I just need to do that. If you’re not budgeting, if you’re not doing those things, setting the intention of where you want you want where you want your money to go, which is what a budget is, when you make more, you need to know what you’re going to do with it.

Because if you don’t know what you’re gonna do with the numbers and the money when you receive it, you’re not actually gonna make more because you will self-sabotage, subconsciously self-sabotage because your subconscious mind is designed to keep you safe, and it does an excellent job at that.

Planning for Financial Growth

Sometimes too excellent of a job. Like, thank you, and I’m so grateful that you keep me safe here, but this isn’t an area that you can keep me like, I don’t need you to keep me safe here. But we do this. And until, again, we work on the mindset, we work on the emotions, you’re going to be doing that. Having the plan to take care of it.

This is why the Prosperity Simplified system is so powerful because it creates that seamless transition between investing into your business and paying yourself from the your business because we can get stuck in.

Establishing a Business Budget

I don’t need to have a business budget. I don’t need to have this figured out because I’m not making income for my business yet. I’m not paying myself for my business. That attitude keeps you in that place. Having the plan in place that you know what you’re going to do, you’re knowing you know what you’re looking forward to receiving. That expectation, again, without the meaning to it, doesn’t matter. We’re not putting a timeline on it, but it has to happen in ninety days.

That’s gonna create a heck of a lot of stress, struggle, and pressure.

Removing Expectations and Stress

You just set the expectation this is coming, and then you show up the way that you need to, again, without the stress, struggle, and frustration because we’ve removed that part. We assign so much meaning to the things that happen within our finances. We had to quit doing that. And when you do that, that’s when you actually figure out the money.

That’s when you free yourself in so many ways, your relationships, your health, your personal power, your business. You’re gonna feel so much better, and you’re gonna do less work because you’re not overcomplicating it.

Key Steps to Financial Health

So three quick steps to take care of your money. If you’re stuck and the emotions are showing up and you’re like, I don’t know how to not feel these things. Again, this before we get to that, the first step is having grace with yourself and not beating yourself up over the fact that you’re still struggling with this or you’re struggling with this, wherever you feel.

Being in the personal development space, I know there can be a tendency. There’s, like, two schools of thought. Right? It’s the there’s still something broken with me, and I have to keep doing that.

Embracing Personal Financial Growth

Okay. There’s nothing broken with you. You are exactly where you’re supposed to be. This is just unlocking the next level. I’ve already explained that we’re on a spiral staircase. Right? So you handled levels one through four as you went up. You’ve broken through that barrier, but now this is a new level of the problem. This is level five. Right? Then we’ll get to level six.

There’s gonna be things that come up. Again, we’re not creating meaning around it. The second school of thought, it’s not so if you don’t feel like you’re broken, the other school of thought that I hear in the personal development space is the frustration with, like, I’ve done the work.

Achieving Consistent Cash Flow

I should have the results by now. And that’s really where the emotions come in. But it’s also yeah. It really is. It’s where the emotions come in because we get we need to be at that place where you feel success. You feel you feel unstoppable. It’s that balance between gratitude and goals. You’re successful. You’re grateful. You have all the things now that you’re supposed to have, but we’re still working to the next level without the stress.

Again, it’s the emotional part. We gotta remove that. So if you’re like, I don’t know how to start to remove those emotions.

Developing Financial Awareness

The first step is creating awareness, and we have to start tracking our numbers without judgment. And the easy first way to do that is what I call a daily money minute. There’s a couple pieces to that. First step, though, check your bank account every single day in the morning. And the goal is it doesn’t matter what’s in the bank account. You’re just looking at it.

We’re not assigning meaning to it. This is a lot of the work that I do inside the Unstoppable experience. So if you want support with that, put the link for that below in the show notes as well.

Tracking and Reviewing Expenses

But you have to be able to look at the bank account and what’s in the bank account and not create meaning about it. It could be zero. You could be in the red. You could have $200,000 in there. You could have $5,000 in there. It doesn’t matter what the number is. You’re looking at the bank account, seeing the number without creating meaning, without judging yourself for it, without feeling the stress. We have to just look at it and check-in.

The second step that you could take to help with the emotional piece is tracking how much you’re actually spending expenses.

Tools for Financial Change

I would use a app for this. So personal side, I would use YNAB, you need a budget, y n a b. We’ll We’ll put a link for that in the show notes as well because I’ve got a link affiliate link for a free thirty two day trial, I believe it is. That’s not this is not budgeting. K? This is tracking the expenses of what you’ve already spent. This is the next step.

When you can look at what you’ve spent without creating shame, without creating guilt there you go. On the business side, the accounting software that I use and recommend is QuickBooks.

Weekly Financial Check-ins

Side note. You should have an accounting software. Just using a spreadsheet, not great for tax compliance. That’s a whole another episode. Right? But having something in place that tracks your expenses so you can see what you actually spent. K? Third step, building those habits, like our financial weekly check-in, doing the things where you’re scheduling the time to take care of your finances. This is really powerful, especially if you’re stuck in the stress, struggle, frustration.

All of those emotions are still showing up for you. You’re essentially scheduling time in your schedule to feel those emotions.

Next Steps for Financial Consistency

So we’re not worried about what bills need to be paid during the week because we’re not looking at that aside from our weekly check-in time. Okay. Next steps. Grab the cash flow calculator. If you are, like, I don’t know which step to do or I feel like I’m doing some of these things and I’m not seeing the results, the cash flow calculator is going to show you. It reveals your blind spots. It shows you where you’re already on track. You’re already doing the work because you’re doing work.

Right? You’re doing the things.

Achieving Long-Term Financial Success

So are you doing the right things that you need to, and where do you need to make tweaks? That’s what the cash flow calculator is for. It takes ninety seconds. It’s an assessment style calculator. You don’t have to know your numbers. That’s not what this is about. T

his is about the habits and showing you what habits you have set up to receive consistent cash flow month after month after month. Because, again, when we take care of this part, when we take care of the energetics, the mindset, and the tactical strategy around but money, everything else changes for you. Your business changes.

Embracing an Unstoppable Financial Life

Your life changes because you’ve taken care of this thing and you’re not in that struggle, stress, avoidance, vibration. Things open up when you remove those emotions around it. And it’s not that having emotions is bad. People who know me in real life will tell you, I am a very emotional person, but it’s not letting there be emotion around the numbers and the money.

There’s a difference there in how we navigate that and how we can honor the emotions without creating meaning around it. Alright. That’s what I’ve got for today. So grab the cash flow calculator, amysirca.com/cashflow, or you can send me a message over on Instagram.

Conclusion and Tools for Change

I’m at amysirca with the word cash flow. I’ll get that linked to you. That’s it for now. We’ll see you next time. Are you tired of not seeing consistent cash flow? What if you could stop wasting countless hours working on the wrong things only to leave yourself more frustrated than you started? All without jumping from strategy to strategy, just trying to find one that works and without requiring a week of reflection or a time audit because you don’t have the time to do the things you need to as it is. That’s you.

My cash flow calculator might be perfect for you.

Final Thoughts on Unstoppable Finance

This assessment style calculator reveals your blind spots and what you’re missing so that you can finally see consistent cash flow month after month. So grab my cash flow calculator and unlock the right work that you’re probably already doing in order to finally see consistent cash flow month after month. It’s only gonna take you ninety seconds, and you won’t need to know any of your numbers to actually do this. Then as a bonus, there’s a special way you can get me to give you feedback on your results. Simply go to AimeeCerka.com/cashflow to access, and of course, that link is hanging out in the show notes for you.