Small Business Big Money™

Register for my FREE debt class for entrepreneurs: https://ginaknox.co/free-training  Join Small Business Money School: https://ginaknox.co/school  Join the waitlist for the 7 Figure Wealth Mastermind: https://ginaknox.co/mastermind    Episode Synopsis:  In Part 1, Genevieve Zizzo opens up about building her Osteo clinic from the ground up, expanding into a thriving practice, and then watching it all collapse under the weight of COVID shutdowns and mounting expenses. She shares the heartbreaking reality of carrying 15 staff, taking on government loans, and eventually staring down $350,000 of business debt. This is the raw story of what it means to crumble under debt while holding on to the belief that resilience is possible.   Timestamps: 00:00 – From student to clinic owner at 23 04:23 – Expansion, partnership, and early debt 07:50 – COVID shutdowns and government loans 12:17 – Hiring internationally during the pandemic 18:35 – The dream of a “utopian clinic” crumbles 19:49 – Facing $350K of business debt 33:30 – First online course brings in $25K   About Geneviève Zizzo: Geneviève Zizzo is a manual osteopathic practitioner, clinic owner, and the creator of Emotional Anatomy for Healthcare Professionals — a groundbreaking program that teaches healers how, why, and where emotions express themselves through the nervous system, fascia, and physiology. This deep area of passion and research led to her latest creation: The Body Oracle, an AI tool that helps both patients and practitioners decode the emotional root of physical symptoms for a truly holistic understanding of what the body is saying. With 15 years in practice and a lifelong obsession with how the body speaks, Geneviève blends science and intuition to help people reconnect to their body’s wisdom — and build lives and practices that feel as good as they look.   Where to find Geneviève: Website: www.genevievezizzo.com, www.fchn.ca (clinic website) Socials: @genzizzo The body oracle link: https://chatgpt.com/g/g-6837d24e3ee881919ac01861850d1e80-the-body-oracle    Category: Entrepreneurship   Keywords: business debt, small business, osteo clinic, COVID shutdowns, entrepreneurship, government loans, hiring staff, financial collapse, debt reckoning, resilience, rebuilding business, money mindset, business owner struggles, debt spiral, online business pivot

Register for my FREE debt class for entrepreneurs: https://ginaknox.co/free-training  Join Small Business Money School: https://ginaknox.co/school  Join the waitlist for the 7 Figure Wealth Mastermind: https://ginaknox.co/mastermind    Episode Synopsis:  In this episode of the Small Business Big Money podcast, Gina Knox and Anne Nguyen discuss Anne's journey through burnout, financial challenges, and the transformation of her business. They explore the emotional and practical aspects of managing debt, making wise investments, and the importance of mindset in entrepreneurship. Anne shares her experiences of navigating the complexities of running a business while dealing with personal struggles, and how coaching has helped her shift her perspective on wealth and success. The conversation highlights the significance of making informed financial decisions and the impact of personal growth on professional success.   Timestamps: 00:00 - Introduction and Background01:42 - The Journey to Burnout10:16 - Navigating Investments and Financial Strategies15:40 - Understanding Wealth and Generational Impact25:31 - Reframing Debt and Financial Perspectives32:22 - Understanding Debt and Its Root Causes34:37 - Mindset Shifts Around Wealth and Debt36:39 - Business Rebuilding: From Negative to Positive Profit43:41 - Cutting Expenses and Owner's Pay for Growth49:21 - The Importance of Temporary Sacrifices for Long-Term Success   About Ann Nguyen: Ann is a Tantra Teacher & Somatic Sex, Love, & Relationship Coach for powerful, legacy-creating WOC whose work centers on pleasure & the erotic as liberatory practices for personal & collective empowerment. She teaches women how to love their bodies, create thriving intimate relationships, and channel eroticism into better relationships, career, creativity, spiritual power, leadership and self love. Through her coaching, she reconnects women to the power of their sexuality and facilitates deep transformation for erotic reclamation.   Where to find Ann: Website: www.theannnguyen.com Instagram: www.instagram.com/theannnguyen Podcast: Love, Sex & Pleasure with Ann Nguyen: https://www.buzzsprout.com/2321776    Category: Entrepreneurship   Keywords: burnout recovery, business rebuild, money shame, debt spiral, money mindset shifts, wealth building strategies, generational wealth, immigrant daughter story, financial coaching, investing decisions, Roth conversion, retirement planning, profit increase, financial transformation, trust fund baby redefined, rich white man money moves, emotional side of money, breaking money cycles, financial strategies

Register for my FREE debt class for entrepreneurs: https://ginaknox.co/free-training  Join Small Business Money School: https://ginaknox.co/school  Join the waitlist for the 7 Figure Wealth Mastermind: https://ginaknox.co/mastermind    Episode Synopsis:  In this episode of Small Business Big Money, Gina Knox emphasizes the importance of financial management for small business owners, particularly those just starting out. She discusses the basics of managing finances, including the necessity of separate business accounts, understanding income and expenses, and the significance of knowing your numbers. Gina also highlights the importance of profit, the dangers of quitting a job prematurely, and the need to identify current business problems to spend wisely. The episode serves as a foundational guide for baby business owners to set themselves up for financial success.   Timestamps: 00:00 - Introduction to Financial Thriving for Small Businesses00:57 - Back to Basics: Owner's Pay and Financial Management02:52 - The Importance of Separate Business Accounts07:09 - Understanding Your Numbers: Income and Expenses12:28 - Profit and Its Role in Business15:52 - Avoiding Premature Quitting: Financial Security18:10 - Identifying Business Problems and Spending Wisely29:58 - Recap: Key Takeaways for Baby Business Owners   Category: Entrepreneurship   Keywords: small business, financial coaching, owner's pay, business management, financial security, entrepreneurship, business expenses, profit, cash flow, business growth

Register for my FREE debt class for entrepreneurs: https://ginaknox.co/free-training  Join Small Business Money School: https://ginaknox.co/school  Join the waitlist for the 7 Figure Wealth Mastermind: https://ginaknox.co/mastermind    Episode Synopsis:  In this episode, Gina Knox reflects on her journey to achieving her first million dollar year in business. She shares the challenges she faced, including navigating grief and parenthood, and how mindset shifts and support from her partner and community played crucial roles in her success. Gina emphasizes the importance of patience, emotional resilience, and defining success beyond financial goals. She discusses her marketing strategies, the significance of building a team, and the impact of financial freedom on her lifestyle. Ultimately, Gina celebrates her achievements and looks forward to future aspirations, encouraging others to embrace their own go years.   Timestamps: 00:00 - Celebrating Milestones: A Million Dollar Year03:03 - The Journey Begins: From Side Hustle to Success06:01 - Navigating Life Changes: Grief, Parenthood, and Business09:02 - Mindset Shifts: Embracing Risk and Letting Go11:57 - The Power of Support: Partner and Community Dynamics14:42 - The Slow Road to Success: Patience and Growth17:51 - Overcoming Burnout: Lessons Learned and Strategies20:57 - Financial Freedom: The Impact of Wealth on Life23:57 - Building a Team: Contractors vs. Employees27:00 - Marketing Strategies: Launches and Email Marketing29:54 - The Emotional Journey: Navigating Feelings in Business32:48 - Defining Success: Personal Goals vs. Business Goals35:57 - Mom Guilt and Balancing Life: Parenting and Business38:51 - The Importance of Community: Surrounding Yourself with Support41:51 - Living an Extraordinary Life: Embracing Ambition44:38 - The Future: Goals and Aspirations Beyond a Million47:44 - Final Thoughts: Celebrating Achievements and Growth   Where to find Kirsten: Website: https://kirstenroldan.com/ Instagram: https://www.instagram.com/kirstenroldan/    Category: Entrepreneurship   Keywords: business growth, financial coaching, entrepreneurship, mindset, burnout, parenting, marketing strategies, community support, wealth, success

Register for my FREE debt class for entrepreneurs: https://ginaknox.co/masterclass-ad  Join Small Business Money School: https://ginaknox.co/school  Join the waitlist for the 7 Figure Wealth Mastermind: https://ginaknox.co/mastermind    Episode Synopsis:  In this episode, Gina Knox interviews Cathy Yerges, a cafe and specialty food store owner from Cambridge, Wisconsin. Cathy shares her journey of starting her business just before the COVID-19 pandemic and the challenges she faced, including navigating debt and the need to pivot her business model. She discusses the importance of community support, the lessons learned from joining Small Business Money School, and how she has shifted her focus to new revenue streams, including opening a bookstore. Cathy emphasizes the value of vulnerability and community in overcoming business challenges and shares her excitement about future growth and stability.   Timestamps: 00:00 - Introduction to Cathy Yerges and Her Business Journey05:16 - Navigating COVID Debt and Financial Challenges22:23 - Embracing Change and Letting Go23:37 - Paying Off Debt and Financial Freedom26:30 - Inventory Management and Cash Flow Strategies32:11 - Navigating Emotional Challenges in Business33:51 - The Importance of Community and Support36:10 - Realities Behind Business Success39:31 - Taking Control of Your Business Journey   About Cathy Yerges: Cathy Yerges is a leader with a servant's heart, believing collaboration beats competition every time. She embraces the philosophy that ""it takes a village"" to create meaningful change and transform neighbors into friends. With a background in banking and finance, Cathy is passionate about revitalizing Main Street and rural living through community building. Cathy owns Cambridge Market, a cafe and specialty food store, and recently opened Mustard Seed Books, creating gathering places where people break bread, share conversation, and support local makers. Her work focuses on promoting collective well-being and strengthening community bonds through simple acts of coming together and celebrating local talent. She also serves as Executive Director and co-founder of Collaborative 523, Inc., driving community development initiatives throughout Cambridge, Wisconsin.   Where to find Cathy: Website: https://www.cambridgemarket.net Facebook: https://www.facebook.com/cambridgemarket Instagram: https://www.instagram.com/cambridge_market/    Category: Entrepreneurship   Keywords: small business, COVID-19, COVID debt, financial challenges, community support, entrepreneurship, business coaching, debt management, revenue streams, local business, business growth, merchant financing, square loan, small business loan, inventory management

Register for my FREE debt class for entrepreneurs: https://ginaknox.co/masterclass-ad  Join Small Business Money School: https://ginaknox.co/school  Join the waitlist for the 7 Figure Wealth Mastermind: https://ginaknox.co/mastermind    Episode Synopsis:  In this engaging conversation, Ashley Rose shares her entrepreneurial journey, highlighting her expertise in Airtable and automation. She discusses her financial growth, the importance of simplifying offers, and the challenges she faced, including managing debt and navigating a divorce. The discussion emphasizes the significance of having streamlined systems in place for business success and the value of focusing on one core offer to drive growth. Ashley also reflects on her evolving relationship with money and debt, advocating for a mindset shift towards viewing debt as a tool rather than a burden.   Timestamps: 00:00 - Introduction to Ashley Rose03:11 - The Power of Airtable05:58 - Financial Growth and Business Metrics08:58 - Navigating Challenges and Mistakes11:55 - The Importance of Offer Simplification14:50 - Debt Management and Financial Strategies17:52 - The Role of Systems in Business Success20:44 - Final Thoughts on Entrepreneurship  About Ashely Rose: Ashley Rose is an automations and Airtable expert, who has helped hundreds of coaches move off of spreadsheets and into streamlined & automated systems. As a neurodivergent business owner, she knows the power of systems to scale your group program & business on part-time hours, without sacrificing client experience or burning out. Her 12 month systems support container, Systems Over Stress, helps online coaches build client management Airtable systems that reduce overwhelm, save hours of admin time and team cost, and improve their client experience as they scale.   Where to find Ashley: Website: https://systemsoverstress.co/ Instagram: https://www.instagram.com/systemsoverstress/ Youtube: https://www.youtube.com/@systemsoverstress    Category: Entrepreneurship   Keywords: Airtable, entrepreneurship, business growth, financial management, systems, automation, debt management, offers, coaching, automation expert, divorce, debt, stripe loans, stripe

Register for my FREE wealth class for entrepreneurs hosted every week: https://ginaknox.co/free-training Join Small Business Money School: https://ginaknox.co/school   Join the waitlist for the 7 Figure Wealth Mastermind: https://ginaknox.co/mastermind     In this final episode of the Wealthy Business Owner series, Gina Knox discusses the essential mindset and strategies for building wealth as a business owner. She emphasizes the importance of understanding personal life goals over merely following traditional financial rules. By prioritizing what kind of life one wants to live, business owners can reverse engineer their financial strategies to align with their aspirations. Gina also addresses the challenges of decision-making, the pitfalls of the sunken cost fallacy, and encourages listeners to question conventional financial wisdom in pursuit of a fulfilling life.   Timestamps: 00:00 - Introduction to Wealth Building02:55 - The Mindset of Wealthy Business Owners05:50 - Breaking the Rules of Money Management09:11 - The Importance of Personal Values in Financial Decisions11:59 - Navigating Financial Choices and Strategies14:51 - Overcoming the Sunken Cost Fallacy18:12 - Conclusion and Call to Action   Takeaways: Wealth building starts with understanding what kind of life you want to live. Good money management involves running scenarios to find the best financial strategy. A wealthy business owner prioritizes life goals over mathematical outcomes. Money is a tool that should align with your life aspirations. It's important to pivot and change strategies when necessary. The sunken cost fallacy can trap individuals in unfulfilling situations. Wealthy business owners are willing to break traditional financial rules. Happiness is crucial for sustainable wealth building. Investing while uncertain can provide flexibility for future decisions. Start with small changes to align financial decisions with personal goals.   Category: Investing   Keywords: wealth building, financial strategy, business owner mindset, money management, life goals, financial independence, decision making, sunken cost fallacy, personal finance, wealth creation

Register for my FREE wealth class for entrepreneurs hosted every week: https://ginaknox.co/free-training Join Small Business Money School: https://ginaknox.co/school   Join the waitlist for the 7 Figure Wealth Mastermind: https://ginaknox.co/mastermind     In this episode of the Wealthy Business Owner series, Gina Knox explores the principles of being good with money and the mindset of wealthy entrepreneurs. She challenges conventional investment rules, emphasizing the importance of flexibility and strategic decision-making in wealth building. By sharing her personal experiences and insights, Gina encourages listeners to push past traditional financial norms to achieve greater success in their business ventures.   Timestamps: 00:00 - Introduction to Wealthy Business Ownership02:23 - Challenging Conventional Investment Rules06:45 - The Mindset of Wealthy Entrepreneurs10:28 - Breaking the Rules for Greater Wealth Takeaways: Wealthy business owners understand the importance of flexibility in investments. Investment rules often limit potential growth opportunities. Maxing out tax-advantaged accounts is not always the best strategy. Wealthy entrepreneurs prioritize high ROI over avoiding penalties. More profit is better than less taxes. Challenging financial norms can lead to greater wealth. Investing should align with personal goals and timelines. It's okay to break traditional rules for strategic advantages. Understanding tax implications can empower better financial decisions. Wealth building requires a mindset shift from conventional thinking.   Category: Investing   Keywords: wealthy business owner, investing, financial rules, entrepreneurship, money management, tax strategies, investment strategies, financial mindset, wealth building, business growth

Register for my FREE wealth class for entrepreneurs hosted every week: https://ginaknox.co/masterclass-ad  Join Small Business Money School: https://ginaknox.co/school   Join the waitlist for the 7 Figure Wealth Mastermind: https://ginaknox.co/mastermind     In this episode, Gina Knox discusses the importance of understanding the true purpose of savings and money management for business owners. She emphasizes that while traditional views suggest savings should be hoarded, wealthy business owners recognize that savings are meant to be spent strategically to foster growth and opportunity. Gina shares insights on the mindset shift required to break free from the cycle of hoarding and encourages listeners to utilize their savings effectively to enhance their financial well-being and business success.   Timestamps: 00:00 - The Nuances of Saving05:45 - Understanding the Purpose of Money12:01 - Breaking the Cycle of Hoarding Savings   Takeaways: Savings are meant to be spent, not hoarded. Wealthy business owners understand the purpose of money. Hoarding savings can restrict growth opportunities. Money should be used to create value and momentum. Emergency funds are for emergencies, not for hoarding. Investment accounts are meant to be spent on retirement. Cash flow management is crucial for business success. Understanding when to spend savings is key to growth. Being good with money is different from being a wealthy business owner. Wealthy business owners have fat margins and strategic spending.   Category: Saving   Keywords: saving, wealthy business owner, money management, financial growth, spending mindset, cash flow, investment, emergency fund, business strategy, wealth building

Register for my FREE wealth class for entrepreneurs hosted every week: https://ginaknox.co/masterclass-ad  Join Small Business Money School: https://ginaknox.co/school   Join the waitlist for the 7 Figure Wealth Mastermind: https://ginaknox.co/mastermind     In this episode, Gina Knox discusses the critical aspects of managing money as a business owner, emphasizing that emotional management is far more important than mere bean counting. She explains how business owners face unique financial challenges and stresses the importance of pausing to process emotions before taking action. Gina introduces the concept of 'unbothered energy' as a way to navigate financial stress and encourages listeners to focus on emotional resilience to foster business growth.   Timestamps: 00:00 - Rethinking Money Management02:53 - The Emotional Side of Business Finance05:45 - The Importance of Pausing Before Action09:07 - Unbothered Energy in Business11:59 - Beyond Bean Counting: The Path to Wealth   Takeaways: Managing money is 90% about emotions and mindset. Business owners face unique financial challenges daily. Emotional reactions can dictate business decisions. Pausing before action can prevent self-sabotage. Unbothered energy helps in managing financial stress. It's crucial to feel emotions without letting them dictate actions. Rejection should not lead to drastic changes in strategy. Focus on feedback from paying customers, not those who say no. Financial literacy is important, but emotional management is key. Wealth building requires emotional resilience and strategic thinking.   Category: Wealth   Keywords: money management, emotional intelligence, business finance, wealth building, emotional resilience, financial strategy, business growth, unbothered energy, mindset, financial literacy

Register for my FREE wealth class for entrepreneurs hosted every week: https://ginaknox.co/masterclass-ad  Join Small Business Money School: https://ginaknox.co/school   Join the waitlist for the 7 Figure Wealth Mastermind: https://ginaknox.co/mastermind     In this conversation, Gina Knox emphasizes the importance of spending as a foundational skill in wealth management. She discusses how debt is fundamentally a spending problem and encourages listeners to shift their mindset from traditional views of saving to strategic spending that drives business growth. By identifying what truly moves the needle in their finances, business owners can make informed decisions about their expenditures. Additionally, Gina explores the emotional aspects of spending, urging listeners to understand their motivations behind purchases. Practical strategies are provided to help individuals make better spending decisions, ultimately leading to improved financial outcomes.   Timestamps: 00:00 - The Importance of Spending in Wealth Management02:50 - Understanding Debt as a Spending Problem06:11 - Shifting Mindsets: From Saving to Strategic Spending08:57 - Identifying What Moves the Needle12:07 - Emotional Spending: Understanding Your Motivations14:56 - Practical Strategies for Better Spending Decisions   Takeaways: Spending is an underrated skill in managing money. Debt should be viewed as a spending problem. Wealthy business owners think differently about spending. Spending more on impactful investments can lead to growth. Identifying what moves the needle is crucial for success. Emotional spending often leads to poor financial decisions. Understanding motivations behind spending can improve outcomes. Small expenses can significantly impact overall financial health. It's important to evaluate the worth of each expense. Strategic spending is key to increasing revenue.   Category: Wealth   Keywords: spending, wealth management, business debt, personal finance, emotional spending, financial strategy, budgeting, investing, money mindset, business growth

Register for my FREE wealth class for entrepreneurs hosted every week: https://ginaknox.co/masterclass-ad  Join Small Business Money School: https://ginaknox.co/school   Join the waitlist for the 7 Figure Wealth Mastermind: https://ginaknox.co/mastermind     In this conversation, Gina Knox discusses the misconceptions surrounding money management for business owners. She emphasizes that being 'good with money' is often based on societal norms and personal finance rules that may not apply to entrepreneurs. Instead, she advocates for a mindset shift towards thinking like a wealthy business owner, focusing on profit growth and financial health. The series aims to explore various aspects of financial management, including spending, saving, and investing, to empower business owners to achieve wealth.   Timestamps: 00:00 - Redefining Wealth: The Entrepreneur's Mindset04:46 - Breaking Down Money Myths: Personal vs. Business Finance   Takeaways: Being good with money is often overrated. Personal finance rules may not apply to business owners. The goal of business finance is to increase profit. Business owners need to examine the rules of money management. Personal finance success is tied to business finance success. Wealthy business owners think differently about money. Many entrepreneurs follow outdated money scripts. Understanding financial health is crucial for business success. The series will cover spending, managing, saving, investing, and wealth building. Every business owner has the potential to be wealthy.   Category: Wealth   Keywords: wealthy business owner, personal finance, business finance, money mindset, financial success, profit growth, money management, wealth building, financial health, entrepreneurial mindset

Register for my FREE wealth class for entrepreneurs hosted every week: https://ginaknox.co/masterclass-ad  Join Small Business Money School: https://ginaknox.co/school   Join the waitlist for the 7 Figure Wealth Mastermind: https://ginaknox.co/mastermind     In this episode, Gina Knox discusses the balance between personal desires and financial goals, emphasizing the importance of understanding the purpose behind spending. Through client examples, she illustrates how identifying core purposes can lead to creative solutions that align with both financial objectives and quality of life. The conversation highlights the emotional aspects of spending and the need for mindful financial decision-making.   Timestamps: 00:00 - Balancing Desires and Financial Goals03:12 - Understanding the Purpose of Spending05:55 - Client Examples: Finding Core Purposes08:54 - Creative Solutions for Financial Goals12:12 - Emotional Needs and Financial Decisions   Takeaways: It's a battle between boring financial goals and fun desires. Quality of life and financial goals are interconnected. Understanding the purpose of spending can guide decisions. Creative solutions can achieve financial goals without overspending. Emotional needs often drive spending decisions. You can meet present needs without sacrificing long-term goals. Identifying core purposes can lead to cost-effective solutions. Budgeting is about making decisions you're happy with. Spending should not keep you up at night. Financial decisions impact your future well-being.   Category: Saving   Keywords: spending, financial goals, budgeting, emotional needs, client examples, decision making, quality of life, debt management, wealth building, purpose of spending

Register for my FREE wealth class for entrepreneurs hosted every Monday: https://ginaknox.co/masterclass-ad  Join the waitlist for the 7 Figure Wealth Mastermind: https://ginaknox.co/mastermind  Join Small Business Money School: https://ginaknox.co/school     In this episode, Gina Knox shares her personal journey with credit scores, detailing how she raised her credit by 35 points in just seven days. She discusses the impact of financial avoidance on her credit history, the importance of understanding credit utilization, and effective strategies for improving credit scores. Gina emphasizes the significance of monitoring credit and making timely payments to enhance financial health, especially for future financing needs.   Timestamps: 00:00 - Understanding Credit Scores and Personal Experience03:09 - The Impact of Financial Avoidance05:55 - Credit Utilization and Its Effects09:02 - Strategies for Improving Credit11:49 - Monitoring Credit and Future Planning   Takeaways: Gina raised her credit by 35 points in seven days. Financial avoidance can lead to significant credit issues. A missed payment can affect your credit for seven years. Credit utilization is crucial for maintaining a good credit score. Increasing credit limits can help lower utilization rates. Paying statement balances early can improve credit scores. Understanding how credit card reporting works is essential. Monitoring credit provides valuable data for financial planning. Timely payments are vital for future financing opportunities. Gina offers a free debt class to help others manage their finances.   Category: Debt   Keywords: credit scores, financial avoidance, credit utilization, credit improvement, personal finance, credit monitoring, debt management, financial strategies, credit card tips, financial education

Register for my FREE wealth class for entrepreneurs: https://ginaknox.co/masterclass-ad  Join the waitlist for the 7 Figure Wealth Mastermind: https://ginaknox.co/mastermind  Join Small Business Money School: https://ginaknox.co/school     In this episode, Gina Knox shares her journey and preparations for potentially buying a home as an entrepreneur. She discusses the unique challenges entrepreneurs face in securing a mortgage, the financial strategies she is implementing, and the importance of defining her dream home and lifestyle choices. Gina emphasizes the need for thorough financial planning, tax strategies, and personal finance management to ensure a smooth home buying process.   Timestamps: 00:00 - Introduction and Personal Updates02:48 - Preparing for Home Buying as an Entrepreneur07:32 - Financial Strategies for Home Purchase12:11 - Managing Personal Finances16:26 - Defining Dream Home and Lifestyle Choices   Category: Wealth   Keywords: home buying, entrepreneurship, financial planning, mortgage, personal finance, tax strategy, cash flow management, investment, budgeting, real estate