Money Magnet with Justine McLean

Ep #39 - Justin McClean (EDITED)

Fri, Feb 02, 2024 2: 16PM • 42:18

Fri, Feb 02, 2024 2: SUMMARY KEYWORDS

Fri, Feb 02, 2024 2: business, year, understand, life, work, people, justine, love, retreat, money, talk, bookkeeper, success, accountant, pay, finance, started, find, lovely, financial

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00: Do you want to live a life of freedom and adventure? Are you wanting more than the daily grind? Me too. Welcome to the Emma Lovell show, a place where we talk about living a life you love now, I'm your host, Emma Lovell, and my number one value is freedom. I've spent the last 14 years running a business and traveling the world. And now I take my husband and toddler along for the adventure to it's possible and I know you can create a life doing what you truly love as well. This podcast will inspire, motivate and encourage you to go after your dreams to create a life you love until you get now don't wait for a time and or someday in the future. I'll be sharing episodes weekly about how I harmonize business travel and self care. I'll also bring on incredible guests to share their journeys, wins the challenges and how they're creating a life they love. Let's jump in and get dreaming. This is a space for you to manifest a life you love.

01: 03

01: I would like to acknowledge and recognize Aboriginal and Torres Strait Islander peoples as the first peoples of this place now known as Australia. I am grateful for the continuing care of the land waterways and skies where I work live. Listen, learn and play. From here on you can bear country and from wherever you are listening. I pay my respects to the elders past and present.

01: 25

01: Welcome to the podcast today I have the fantastic Justine McLean, who is a business money mentor and financial educator. Justine is actually an incredible mentor of mine as well and I have had pricing sessions with Justine and it's been such a breakthrough. She is an author and speaker on a mission to help women in business, increase their financial literacy, build solid financial foundations and create profitable and sustainable businesses. Thing is Justine has 30 years of experience in small business, retail ecommerce publishing and insolvency and she's a sought after speaker and consultant for her practical and proactive approach to business. As I say I've had the the honor of having Justine be my mentor and also be my coach. And she is really just has so much wisdom to share. Fun fact she's a plant whisperer and has a 35 year old African violet to prove it. I would love to see that. Please do welcome Justine. There's so much goodness in this episode, and I know you're gonna love it as much as I did.

02: 38

02: Welcome to the podcast, Justine McLean.

02: 42

02: If the happy man it's lovely to be here. This is the second time you've come on our podcast of mine and it's wonderful to have you. I'm trying to think what I know actually, I do know how we met I was trying to think I thought I found you through podcasts. No, I found you through our amazing, lovely colleague, Jade Warren, because you booked in for the photoshoot last year. That's right. Yeah, exactly. And I think you and I got on a call because I was sort of a little reluctant about the whole photo thing. And we got on a call, which was supposed to be like a 15 minute call to chat about how the photoshoot would run and outfits and that sort of thing what to expect. And I think we ended up talking for an hour and it was like, Okay, were turning it best buddies here immediately. And that was not even a year ago and I just feel like you've been in my world for so long.

03: 34

03: And Justine is just you're just like a warm hug. Like I just said that and we had a hug when we met and I would just it was so your energy is so nurturing. And I just feel I mean you do have four sons so

03: 48

03: you're you are a wonderful mother but I mean also just your care and your nurture and your wisdom and your experience and which makes you a fantastic business coach and mentor and that's ICU as as a mentor as well as a you know I love we've just been you know we can never have we never we just spent half an hour talking and bouncing ideas before we started to hit record on this kind of thing.

04: 16

04: Like all these is so good. I wish people could be a fly on the wall. So we'll try to pick up some of that but anyway, I'm just started by gloating about you but you you're fabulous very fond. You're very kind and right back at you. I think that yeah, it's it's such a privilege and a trade to find those people in business that you kind of just click with because it's a really lonely, you know, place to be sometimes that entrepreneurial journey, you know, you're going along, you're sitting at home doing the work, it's going on in your head, you know 24 7365 And it's nice to be able to have someone to, you know, have a chat with and have that honest conversation with so you

05: 00

05: Uh, when you get set, because yeah, it's um, you know, and that's been something I've sought out. And I think I've got more and more open in the past three or four years, I've always found colleagues and mentors, but the people who?

05: 12

05: I don't know, yeah, it does feel really like, Yes, you said lonesome, and like, you're trying to figure everything yourself out yourself. So to have some people who really have been honest and transparent about their business, and so that you can bear all behind the scenes, and they can be all behind the scenes, because otherwise, especially social media, it's all just smoke and mirrors, and you just think everyone's killing it. Everyone's a mate, I just had a card actually, with a friend going, you're killing it. And you're like, What are you looking? Like? What are you seeing? Because we're seeing very different things right now. And I'm like, it's nice that people think that but sometimes, you know, it's not. Yeah, and I think that's the thing with business, right? It never is. Because when I started my business, well, there wasn't this social media thing that was going on at all.

06: 02

06: I can't even think maybe there was MySpace around or something old. But, but it wasn't a thing. So you sort of didn't have to show up with the highlight reel and, and be talking about what you, you know, we're doing and sort of this positive light at but I think even at the time, it was more sort of networking was more event based, and heading out to listen to people speak and, and talking with other business owners, and there weren't that many of us around, back then pay to play in the space that I work in. But I think people will always still very guarded. And, you know, I think there was some women at the time, Lisa messenger, Samantha Wills, who had that platform where they could get up on stage and talk about, you know, the warts and all of business, that all of a sudden, people started to open up a bit. And I thought, yeah, that's sort of business owner, I want to be because, sure, it'd be nice to have the highlight reel all the time. But you and I were just talking about those sort of ups and downs of business, those seasons of business that we all find ourselves in, at different times. And, you know, just to have people to be able to talk to people in your world who are going to say, hey, you know, it's okay, I've been there, or this is normal, it's going on everywhere, and be really honest about it. I think that's what keeps you going and helps you stay positive, even when things aren't necessarily going the way you want them to. Yeah, and like, I think, you know, you are a finance specialist, and you're working the money space. And I think the transparency about money was one of the big things that's helped me in the past few years, because

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07: I really, you know, we've got a mutual contact, the wonderful Kate tune, and there was a line in her book that really freed me to honor my side of my journey.

08: 05

08: See the feast or famine, and I have that feast or famine.

08: 10

08: It's part of my auto remit, I talk to my, my, my money profile is feast or famine. And it was just nice to honor that, that that is just a journey that we go on. And that there are things I can do to to mitigate it. But then also just to be like, there are other people, you know, people talking actual real figures in their business, real numbers, you know, a friend telling me she got a $50,000 tax bill. I mean, I'm like, oh my god, I can't even imagine. But that's a reality, you know, or I'm reading a book in these built businesses, different scales, but with a line of credit of a million dollars. And it's just not like It's unfathomable, unfathomable to me. And, yeah, it was just, you know, I mean, you can talk to me a little bit more, but you just feel so alone. And like you don't know, I don't know, you don't know what to do that there's no, there's no guide. But there is now because you're creating, there's no guidebook on the start. If I knew what I if I had met you at the start of my business career, I mean,

09: 10

09: it's one of my biggest things now, like if you're starting a business, please go and talk to someone like Justine, please get your financials in order because trying to undo it. It's it's been a two to four year and a continued process of undoing financial habits that I've built over in my business over 14 years. So I think it's so common because let's be honest, like none of us go into business to worry about the money. We go into business because we're good at something. We're creative ball, we've got a service or a skill that we can sell and we can share with other people. Very few people go on starting a business excellent. I get to do the bookkeeping, I get to worry about you know, all those expenses. I have to pay it no, you know, I get to deal with the tax office or who it just doesn't have

10: 00

10: and right, because, you know, for us, we go into business to do whatever it was we, you know, we want to do whatever that skill set is that we have. And what I find is that there and what I've come across in my career is that there are so many beautiful creative business owners in particular, it sort of can go, you know, it's not just creative businesses who struggle with the money. But it's certainly a challenge more challenging, I think for them, because there's their headspace is somewhere else. But they do all of this work. And whether it's, you know, not pricing correctly, or spending too much money or not saving for their tax, they all of a sudden end up in trouble. And it's almost like, oh, that happened overnight. But in fact, it's something that had been building up and building up and building up. And the reality of it didn't occur to them until it hit, you know, the proverbial hit the fan. And so I think, yeah, if you can start off with just some basic habits, when you kick off your business, you know, saving money, making sure you've got a cash flow forecast, really understanding that you've got a price for profit, you know, the profit is the key in business, then I think you put yourself on a great path to really achieving whatever success means to you. Because that's the other thing like, so often we start a business and we look at somebody else, and they're going on about their seven figures are their high six figures. And what does that what does that even mean? You know, and I've had the luxury of working with people who make those big dollars. And when we would start, you know, there was one in particular, but I can think of it less than 1% on a, you know, eight figure income, an eight figure revenue, less than 1% in profit. And that was off the back of two years of complete loss. Because it was the finances just weren't in the remit. They weren't something that they thought of. And there was a lot of money being spent on ads and stuff they didn't need. But hey, they could go out and say, Well, I've got this fabulous eight figure business. And everybody thought they were fabulous, until they realized that they weren't actually making any money,

12: 23

12: selves a wage, nothing is damaged like that. It's just

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12: to do all of that work. And I think sometimes I've had that conversation with my husband is like, I think, you know, I tell them about a sale, or I tell him about something that I'm creating, Wareham creating money, but then, you know, sort of turn around and be like, I'm actually working, and I have to also pay all these people, I have to pay these things. Like, I don't get all that money. And that was a learning, but also the way I ran my business. I've had a big change in that, you know, I started as a sole trader. And so there's an unlearning of and yes, it would have again, would have been lovely to have known you then and to have somebody say, why don't you set up a business account? Why don't you send the money this way? I did it. But my overheads was so low. I remember someone asking me, in my first few years of business, like was that profitable? And I just didn't understand the question. I was like, do you mean do I make money, anything like that? Like, are you profitable? I was like, what should I be spending money like us, like, it's me, myself and I my expenses at the time when my laptop and my phone honestly, I don't think I use it barely any apps or programs because like, that's such a thing that I can think we get loaded, they're helpful, and they're great. But we get lured into a lot of plugins and apps and ongoing expenses that really add up that I didn't have them. It really was my phone bill and my laptop, my internet, I guess that was also included in where I lived. So I was like my overheads were slim to none. So I was keeping up with the money but as my business has changed, and as I've wanted to invest in myself and invest in services to elevate my business and to attract more clients or to change just the nature of my business has changed, the model has changed. I also have an AAA and AAA people that I pay now accountant, bookkeeper, people that you know, a better to manage the business that I'm doing. But

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14: that then really unraveled things for me when I didn't have though that separation. And so it was yesterday when I had my son that I did the separating, set up into a trust and sort of started to run it like that, but it's so much undoing and even in terms of my taxes and accountant, the bookkeeper there's so much undoing and unraveling how to unfortunately a bad accountant and bookkeeper that ends up unraveling and undoing and it's the financial education 10 years in 12 years in it's been a lot more challenging than had I had that financial education at the start.

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14: Might I've just got a gas go out the door. Can we just close?

14: 55

14: Yeah, I like I totally get that. I think, you know, as I said, we don't go into business to learn it.

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15: About the money. And then, you know, we certainly don't want to invest a lot of time learning about, you know, money increasing our financial literacy. But for me, that's the been the game changer. I mean, it was in my business. When I started my first business, I was a commissioning editor. So I worked in publishing, and I help people write books. And when I sort of went freelance, I was bit like you I had virtually zero expenses. And I didn't really have to worry about the finances. And it wasn't until, you know, my husband and I started our business together. In 2002, we opened a couple of toy stores, and we were sort of early adopters of E commerce. And I'm laughing because what a disaster that was. But that's another story for another time, worked out eventually, but took us a while to get there. You know, we really didn't know enough about the financial side of business. And then next minute, we ended up in a $42,000 tax debt situation. And I think that is then the game changer, you sort of think, Okay, well, I can continue like this. Because what I was sure was going to happen is we would just end up with tax debt on tax debt. Now, it turned out it wasn't our fault. We also had a very bad accountant

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16: who had made a catastrophic error that cost us 42 grand. And I didn't realize until two years later, when I had a new accountant. And I said to him, I just don't understand what's going on. And he sort of sat down and explained it to me. And for me being able to have you know, that accountant, he's still my accountant now to talk to about the financial side of business, really started to open my eyes about what I needed to do to get educated with money. Now I went off and got qualified and did 1000 hours of bas prep working in an insolvency firm. And I'm not recommending that anyone do that? Because that is just extra.

17: 05

17: But that's what I did. Because it was sort of In for a penny in pro pound for me, it really interested me. So I wanted to learn as much as I could about it, I never expected that I would turn that into a business. But you know, that just the privilege of being able to talk to other business owners and really help them understand the finances in a digestible way. Not with all that kind of not sitting up there in an ivory tower going on about ROIs and, you know, gross profits and all these things that people don't understand. Because you made that comment, you didn't even really understand what profit was. And, you know, I think the very first talk that I gave to a very big group of hairdressers a long time ago,

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17: I kicked off the talk and I said, Look, please just ask me questions as you go through. And I was probably three minutes into the chat and someone put up their hand and said, Can you tell me what GST is? I don't understand. And that just opened the floodgates to so many questions about I suppose what people like me would think, Oh, that's basic. But and people like your accountant would think that's basic stuff. Why don't you know that. But I think that is part of the problem. We work with so many finance professionals who don't allow us the space

18: 38

18: and the grace to really sit back and understand these basic concepts that they went to uni for four years to understand. In every day, day in day out, you know, having having two financial advisors advise me that I didn't need a bookkeeper and that I can be doing my reconciliations myself. And I just said, I know myself well enough that I am not a detail oriented person. I'm going to stuff that up. And I just don't think that is a good good use of my headspace and capacity every day to be logging in and doing that. Yeah, it might take two minutes but it wouldn't take me two minutes because I put it off and I pulled it off and off and off and off. And I just was like and I these two women and I thought that was really actually not good at that that you didn't know me like you didn't didn't take me into account you took you put your position on to mine it told me I have a very simple business.

19: 31

19: And what I love about the accounting that I work that now and I think you had a great point there it's like knowing getting people in your business and unfortunately might have to kiss a few frogs but getting if you don't feel right with someone let go like getting a good accountant getting my new accountant, someone who is a woman of a similar age working in a firm, but she has two children also of a similar age of my son. You know, I got on a call one day I was having a hard time and I cried and just was able to do that with her and

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20: And when she looked at my finance stuff, she's looking at my life stuff. She also follows me on Instagram, she's like, I understand some of your expenses, I understand. I understand what your business is doing. Like, because she's seeing the whole picture, not just black and white numbers on this side numbers like I did accounting at uni. I understand, I understand that concept. But I also understand there's a lot of, there's a lot of flow in between circumstances, and it should, it should be about the person and the life that we're creating, as well as the business that we're running that is unique to our circumstance and having an accountant. And I'm actually about to change my bookkeeper, because I found someone I feel like, again, gets me and wants to be on my team. Yeah. And I think that we're their team is the key, I think, the number of people that would come to me initially for some advice and

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20: and say, I don't like my accountant, I don't like my bookkeeper and I break up with them, then, you know, find someone else find someone who is on your team who understands you. Because at the heart of it, no matter who you are, you are going to have some money story could be a good money story could be a bad money story, but there'll be some money story that you are holding on to you know about your life that is gonna reflect into your business. And I think it's about understanding, you know, or working with someone who understands that they have no place coming from, you know, a judgmental angle, when it comes to you or your business. It's about finding someone who is prepared to take the time to get to know you understand what you're trying to do in your business, not just talking about credits, and debits and pan cutting costs and doing this and blah, you know, your profits blar. And you you know, as I said, your ROI is this, it's not so much about that. It's about getting someone who understands what it is you need. And then, you know, choosing to work with that person. Because as you said, your time is best spent doing the stuff that you do best. And that's the only way your business is going to make money. Spending a couple of 100 bucks a month on a bookkeeper to get that side of things up to date is, first of all, it's a stress that you don't need to worry about. And then it just means and it means things are done properly. But it also means that in those couple of hours, it takes that person you can be off doing other things. And I think that's really important. So for anyone listening, who is thinking about, you know, sort of educating themselves from that financial point of view, or who really doesn't like the numbers, go out and find someone who will be on your team who gets you and who you feel good working, because that is the game changer.

22: 59

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24: 11

24: Yeah, absolutely. It's been such a shift for me and something I wish, you know, having someone who just did my tax, you know, once a year just wasn't good. They just didn't have enough understanding. I think there were years where I mean, I had remember one cut tax kept going. So just remind me what was the what is your business operation again? I'm just like, again, yeah. How, you know, whereas, you know, like I said, it's so nice that she follows me on Instagram. That is because they see and they understand the nature of my business. They can make recommendations, they can make suggestions, they can, you know, they can care and understand and that's what I that's the level and the relationship and I think it was that. That's been a shift for me as well, like I said in terms of having those ongoing expenses, having people in my business that I view as my team, not as contractors now

25: 00

25: And as somebody who flipped in and out having relationships, ongoing relationships, not thinking of it as an expense, it's like it is how I run my business. These are the core things that I need. And in you know, and with your help as well that, okay, well, in order to have those things in business, I need to be making this much money are setting aside this much money, because they are the fixed expenses that become the fixed expenses of my business. So it's been a huge help. And I love you know, you sort of talked about the money story there. Anything I said, you know, you said people mistake because you're so comfortable keeping background, you've got such these great financial backing that you don't have any of the Whoo, but you do have some Whoo. And it was a delightful surprise last year for us to both find out only just before that we were both booked on to Denise Duffield Thomas's rose farm retreat who is a money mindset coach? Yes, that's right. Well, I had followed Denise for a long time. And and I thought it'd be nice to go and chat to somebody who just had a completely different perspective, on money, I come at it from a very practical side. But I still do believe in, you know, that sort of the idea of, you know, manifesting, but manifesting in a bit more of a practical way. So when I say that, I'm not saying that I necessarily try and manifest the world's most practical, you know, money goal every year revenue goal every year, they're quite outrageous. But I think like anything manifesting is really just a focus on an outcome. And it is something that, you know, you hope to be able to achieve, it's a goal. And I think when you set that for yourself, whether you call it manifesting, whether you call it goal setting, you put it front and center, and then you take the steps that you need to take to get you to that place.

27: 04

27: I think that's where the magic can happen. Because, you know, it's almost like what you think about you bring about why because he just sees more of it.

27: 14

27: When you go about your day to day, so rather than getting stressed about money and thinking about all the negative sides of it, I choose to sort of think, okay, how can we be positive about money? How can we bring in some practical things that are going to get us to where we want to go? And it turns out that Denise has a very similar point of view, which was manifesting is like, She explains that it's making real man it means to make real it means to bring into reality. So you dream it and it comes. But it's not just oh, I wish on a genie that and I love there's a proverb and Italian problem where it says this man goes to the fountain every day. And he says, I wish, I wish I'd win the lotto. I wish I went a lot. I wish I mean a lot. On one day, the fountain, the angel at the fountain comes to life and says, Please, please, please, sir, buy a ticket. You know, like, you're not doing the practical thing. Like, I can't win the lottery because I don't buy a ticket. You know, I can't win. The people say, I mean, I'm looking at my Yves Saint Laurent bag. People. It's like, I won that because I attended the event. I entered the competition, I followed the instructions, I did it in a timely manner that they told me to do it. And then I did, then I did the believing of I believe that that's for me, and I want it. But I didn't just win it because I believed it was for me, I did the steps in order to do to win the thing. But you know, I think the belief was lovely too. And I've got a card on my wall that says the fortune is in the follow up. And I was just thinking about when you're talking about those two hours that I'm paying the bookkeeper. You know, there's times where I, you know, I'm going forecasting how much I'd like to be making or how much I need to pay this or whatever. And you go, I just wish someone would give me $10,000. And then I go, why don't I follow up the 10 people who could give me $1,000. And there's $10,000. And those two hours if I spent two hours messaging people who had inquired about my services, or inquired about my retreat, so whatever, actually, that $10,000 becomes very possible very quickly. Yeah. And I think that's the thing. I think it's like any goal that you're trying to achieve, I think, particularly when it comes to money, it's about breaking it down into those small bite sized chunks. But I think the other thing is that, you know, you just need to understand what it's going to take you to get there because to get that $10,000 to get those 10 people, you can certainly spend those two hours and bring it in the door. But the key is to make sure that that $10,000 gives you some profit at the end of the day gives you that money left over. After you've paid all those expenses, you paid your wages, you pay interest super, and you put away some money for savings and tax.

30: 00

30: says, and you've got that unencumbered portion that you can just put away and say this is my profit could be merit award at the end of the financial year could be the bonus, I choose to pay myself at the end of the month. But that stuff is mine, I can reinvest it, I can do what I want with it. And that is the key. So there are sort of, so that has to come into it as well. So I think the I'm definitely all about setting big goals, manifesting them, making them real, putting together the steps that are going to bring them into life, but doing it in a very practical way. And I think, for me, that's my point of difference. You know, when I think when I started, I put together my business money magnet program, after I sold my business, or part of my business, the bookkeeping part of my business in February last year. And I think one of the firt, one of the things that I really underestimated with first cobalt coming through was how much mindset can get in the way of our success. And so we've kind of really beefed up that part of the program. But you know, don't let those negative thoughts don't let the things that are going on around you influence the way you think about yourself, your business, the prices that you want to charge, the profit that you want to make or where you want to go, because I think those things are all within your reach, you just have to believe you can get there. And it's just about shifting the way you think. And like I just cannot recommend and shamelessly plug just stayed enough, I paid for two private sessions with just seen last year, which really shifted my mindset to I think there's a lot of like, wanna get my values worth and that sort of thing. So you join these programs with all the bells and whistles. When I actually really a few times last year, I was like, I just want to talk to Justine and I'm happy to pay her hourly rate, which helped me with my shift to go, people probably want the same with me. And you helped me a lot in those sessions. Two things, again, knowing my circumstance. So knowing where my energy was knowing that what I was trying to create, but what I had capacity for, and, you know, encouraging me to do those one off things, which in reflection, I remember in water polo in high school, my coach telling me that I was like a, I don't know, an action player or something. And it's like, he's like, Yeah, you make something happen. And I was like, I kind of am good at just doing the go in wham, bam, Thank you, ma'am, deliver and done. And so you really helped me to establish some, some offers that were in line with that, as opposed to trying to try and at that time, create a long program to get people into the long things, which I actually couldn't really deliver. So that was one really great help. But also just how quickly you just opened up, you know, I was obviously willing to bear all and showed you my finances. But so quickly, you looked at it.

32: 56

32: And we talked about my goals. And so quickly, you just showed me how it was possible. And some of that meant increasing price, or how much available time I had. Or if I only had this much time, then this needs to be sold for this much. And it was just, I could really see okay, well there's if that goal is there, then if I do if I have x y Zed, I sell these these days, or work on it this much time was like the amount of just given away the formula

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33: to have somebody look at it and to tell me in a way that I understood I mean, the weight lifted, and there's still work I need to do. But I come back to it so often. And to have somebody just just focus on your stuff, and talk to me in my language and to talk to me about what I wanted in my situation. It was such a gift, Justine now. Well, it's my pleasure, I think two things. First of all, if I can probably quote The Wizard of Oz, and I'm probably going to get this wrong, but you I'm sure you had it in you all the time. I know you had it in you all the time. It's just allowing that to come out. But the second thing and I guess the thing that you know I would really want to leave the audience with today is even if you outsource your business numbers to a bookkeeper to an accountant, your numbers, whether it's for your business or your life, the way you run your family, your personal life or your business. They all tell a story. And so I'm a believer that you need to be the author of your own story. Don't leave that stuff to somebody else to work out for you. So for that reason, even if it's the very basic stuff, increase your financial interesting, learn the basics, understand them, the so you can go and talk to your finance professional. On that even footing you can talk to them about what you want to do, what you want to achieve with your business and where you're headed for this season of your life because that is also really important. kind of brings us full circle back to the disk

35: 00

35: So I think we were having Well, yes, beautiful. The Rose oracle cards that we were both gifted on the retreat by Rebecca Campbell are featured in my newsletter, and I got the card today before I came up with Justine, I wanted to pull a card and I got trust this season. And it's about embracing change the cycles of life transition and growth. And actually, it says, within some seasons, it's not always about growing, it's not always about blossoming and blooming, sometimes, it's about resting. And that was something that we I think we both took away from the retreat. But

35: 31

35: you also,

35: 34

35: I must say that one of the big inspirations for this podcast was you and your podcast, which talks about success and people's own definition of success. And I love that. And I took it in a slightly different angle, and I went on people's, you know, I think that sometimes the success can block people, if it's like, success is a goal. It's success of the line in the sand, and then I've made it. And I know that that was a block for a long time of wet like I've, when I've done this, I've made it, but then you get there. And then you want the next goal. So

36: 07

36: you sort of you know, with that money application as well. It's looking at you do this, it's looking at what what do I want money for what do I want in my life, and when we're just Dean is at to where I'm at, at a completely different stages of life and seasons of life and what we want from our business and what we want from our life. And so it led me to focus on my mission of living a life I love but asking my audience, as you ask them, what is their definition of success? I ask you what is your definition? Or what is your current living a life you love?

36: 39

36: Yeah, absolutely. I think it's so important. And it's something we all underestimate. I think. Anytime that I deliver a talk or that I started workshop, I always ask people that question, what does success mean to you right now, in this season of your life and business, because I think so many of us get that it's not this linear path to success. We've seen enough people talk about all the bumps in the road. But I think the thing that people don't share often enough is that it's going to change, you know, success when you've got a young child and you're trying to run a business from home, might just be getting a couple of hours work done. That day, having a shower and cooking a meal, that could be success, bang, you've achieved it. For other people who can afford a nanny or his kids or in childcare, or his kids school age, success might mean, you know, reaching a certain income goal. There are lots of definitions of success. And I think, where we so often go wrong is that we want what they're having, and wanting what someone else is having, unless you know the full story. Because as he said, it's often the highlight reel. And I think success should be personal. I think it's it's only what it means to you to you, your family, your partner, you know, whatever the extent of family is, whatever that little unit that you run in your friends, whatever success means to you. That's okay, that's good enough. That is the definition right there. So don't underestimate that, I think, embrace it, and move forward with it. And so Justin, what does living a life you love look like, right now? Oh, living a life I love means. Well, I've just moved to the south coast and New South Wales south coast. So my life is very different. And for me, it means that being able to go down to the beach, take a long walk, and put my head under those under that salt water. That to me is fabulous. And if I can fit in a couple of days work every week because that's the stage of business I'm at a very much a legacy stage then that is definitely living the life I love spending with my hubby, my puppy is saying my boys bless. I love it. It's such I love looking at what you're doing and saying so Aspire aspirational for me to see people who are ahead of the journey and go live it's going to be different at different stages. And, and it can all look good and it can all be and you can still have goals and aspirations and dreams. But also you can do it at a different pace. And yeah, I really have loved I Can't Believe It's Not even been a year but I've loved being having you in my world. And I look forward to many, many more years with you, Justin. Absolutely right back at you. Because yeah, like I say being in business and I have this is my 30 year in business. But being in business is about often about the people you surround yourselves with, especially when you're trying to do it, you know solo or the small team and you're doing it from home. So right back at your sister. I'm planning

40: 00

40: 15th birthday. So I hope you're planning a third year so we can have some, like dirty 30 Birthday business.

40: 06

40: I probably should think about that. Yeah, I reckon we should hire. It coincides with my book launch. So, yeah, which is sort of the middle of the year. So I think yes, definitely, I'll have to have a high tea celebration or something I was thinking more like

40: 26

40: to do.

40: 28

40: With your way, it's probably more appropriate. How do we find you Justine? How do we get I'm very excited for the book. So we'll absolutely have you back on. And, you know, we didn't even really get to cover the the life journey. But I've loved having this focus on finance today. But we'll have absolutely have you back because I want to share more about the book. But tell us how can we find you for now and connect with you. So you can find me on Instagram at Flossie files, you can head over to my website, which is glossy creative.com.au. And that gives you all sorts of information about my program, become a or sorry, business money magnet is my program. And I've got a little mini course over there. That's unspecial I think until the end of the month, and it's called the profitable pricing formula. So if you head on over there, and I'll put a little code in I'll give you a code that people get a discount you can throw that into

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41: effect. You are a treasure so grateful for you. Thank you for being here today. Love you, honey.

41: 32

41: Thank you for listening lovely one. I hope this has inspired you to dream big and start creating a life you love today. If you love what you're hearing, don't forget to follow and rate on Spotify and rate review and subscribe on iTunes. It helps other awesome people to find this podcast and get motivated and inspired as well. Want to stay connected. Come and join the live a life you love group on Facebook or connect with me on Instagram. Emma lovell.au, the same as my website. But all the details are in the show notes lovely. I'll see you next episode for more inspiration, motivation and freedom seeking Now go out there and live a life you love