{"version":"1.0.0","segments":[{"speaker":"Annemie Tonken","startTime":0.81,"endTime":2.97,"body":"MicKallyn Elis"},{"speaker":"Annemie Tonken","startTime":0.81,"endTime":2.97,"body":"was recommended to me as a"},{"speaker":"Annemie Tonken","startTime":2.97,"endTime":6.48,"body":"podcast guest by a friend after"},{"speaker":"Annemie Tonken","startTime":2.97,"endTime":6.48,"body":"we had a conversation about how"},{"speaker":"Annemie Tonken","startTime":6.48,"endTime":11.58,"body":"tricky it can be to make a"},{"speaker":"Annemie Tonken","startTime":6.48,"endTime":11.58,"body":"financial plan when every single"},{"speaker":"Annemie Tonken","startTime":11.58,"endTime":15.81,"body":"month your income is different."},{"speaker":"Annemie Tonken","startTime":11.58,"endTime":15.81,"body":"Most photographers fall into"},{"speaker":"Annemie Tonken","startTime":15.81,"endTime":20.88,"body":"that lovely freelance community"},{"speaker":"Annemie Tonken","startTime":15.81,"endTime":20.88,"body":"of people who don't necessarily"},{"speaker":"Annemie Tonken","startTime":20.88,"endTime":24.18,"body":"make the same amount of money"},{"speaker":"Annemie Tonken","startTime":20.88,"endTime":24.18,"body":"week in and week out. And that"},{"speaker":"Annemie Tonken","startTime":24.18,"endTime":28.59,"body":"can be great. But it can also"},{"speaker":"Annemie Tonken","startTime":24.18,"endTime":28.59,"body":"really be tricky. And when it"},{"speaker":"Annemie Tonken","startTime":28.59,"endTime":32.79,"body":"comes to financial planning,"},{"speaker":"Annemie Tonken","startTime":28.59,"endTime":32.79,"body":"almost all of the Guru's who are"},{"speaker":"Annemie Tonken","startTime":32.79,"endTime":37.02,"body":"out there are talking about"},{"speaker":"Annemie Tonken","startTime":32.79,"endTime":37.02,"body":"people who are making a paycheck"},{"speaker":"Annemie Tonken","startTime":37.05,"endTime":41.55,"body":"that comes in every other week."},{"speaker":"Annemie Tonken","startTime":37.05,"endTime":41.55,"body":"So in today's conversation with"},{"speaker":"Annemie Tonken","startTime":41.55,"endTime":46.59,"body":"MicKallyn, she is giving us"},{"speaker":"Annemie Tonken","startTime":41.55,"endTime":46.59,"body":"really solid advice for how you"},{"speaker":"Annemie Tonken","startTime":46.59,"endTime":50.52,"body":"can plan for all of life's"},{"speaker":"Annemie Tonken","startTime":46.59,"endTime":50.52,"body":"expenses, the big ones, the"},{"speaker":"Annemie Tonken","startTime":50.52,"endTime":55.5,"body":"little ones, the fun ones, the"},{"speaker":"Annemie Tonken","startTime":50.52,"endTime":55.5,"body":"surprise bad ones, even when"},{"speaker":"Annemie Tonken","startTime":55.53,"endTime":59.79,"body":"your income is totally different"},{"speaker":"Annemie Tonken","startTime":55.53,"endTime":59.79,"body":"month to month, and she's got"},{"speaker":"Annemie Tonken","startTime":59.79,"endTime":63.66,"body":"some really amazing strategies."},{"speaker":"Annemie Tonken","startTime":59.79,"endTime":63.66,"body":"But before I cue the music, I"},{"speaker":"Annemie Tonken","startTime":63.66,"endTime":67.68,"body":"want to remind those of you who"},{"speaker":"Annemie Tonken","startTime":63.66,"endTime":67.68,"body":"may not know that I do offer a"},{"speaker":"Annemie Tonken","startTime":67.68,"endTime":71.55,"body":"course that addresses exactly"},{"speaker":"Annemie Tonken","startTime":67.68,"endTime":71.55,"body":"this issue, not so much the"},{"speaker":"Annemie Tonken","startTime":71.55,"endTime":75.72,"body":"financial planning part, but the"},{"speaker":"Annemie Tonken","startTime":71.55,"endTime":75.72,"body":"stabilizing your income part."},{"speaker":"Annemie Tonken","startTime":75.84,"endTime":78.75,"body":"It's called revenue on repeat,"},{"speaker":"Annemie Tonken","startTime":75.84,"endTime":78.75,"body":"and it's about setting up a"},{"speaker":"Annemie Tonken","startTime":78.75,"endTime":82.83,"body":"membership. In your portrait"},{"speaker":"Annemie Tonken","startTime":78.75,"endTime":82.83,"body":"photography business. I"},{"speaker":"Annemie Tonken","startTime":82.86,"endTime":87.69,"body":"converted my most of my family"},{"speaker":"Annemie Tonken","startTime":82.86,"endTime":87.69,"body":"clients into a membership back"},{"speaker":"Annemie Tonken","startTime":87.69,"endTime":93.12,"body":"in 2019. And when the pandemic"},{"speaker":"Annemie Tonken","startTime":87.69,"endTime":93.12,"body":"hit in 2020, what happened was"},{"speaker":"Annemie Tonken","startTime":93.15,"endTime":97.08,"body":"all of my photographer friends"},{"speaker":"Annemie Tonken","startTime":93.15,"endTime":97.08,"body":"essentially had their income"},{"speaker":"Annemie Tonken","startTime":97.11,"endTime":101.85,"body":"grind to a halt, whereas mine"},{"speaker":"Annemie Tonken","startTime":97.11,"endTime":101.85,"body":"just kept rolling in month after"},{"speaker":"Annemie Tonken","startTime":101.85,"endTime":106.14,"body":"month. And the membership has"},{"speaker":"Annemie Tonken","startTime":101.85,"endTime":106.14,"body":"really freed up a lot of my"},{"speaker":"Annemie Tonken","startTime":106.14,"endTime":110.52,"body":"marketing stress. It has made my"},{"speaker":"Annemie Tonken","startTime":106.14,"endTime":110.52,"body":"schedule a lot more predictable."},{"speaker":"Annemie Tonken","startTime":110.67,"endTime":113.55,"body":"And it's been really great for"},{"speaker":"Annemie Tonken","startTime":110.67,"endTime":113.55,"body":"my clients as well. Many of my"},{"speaker":"Annemie Tonken","startTime":113.55,"endTime":117.21,"body":"family clients had aspirations"},{"speaker":"Annemie Tonken","startTime":113.55,"endTime":117.21,"body":"to get family photos done each"},{"speaker":"Annemie Tonken","startTime":117.21,"endTime":121.14,"body":"year. But until the membership"},{"speaker":"Annemie Tonken","startTime":117.21,"endTime":121.14,"body":"model became an option for them,"},{"speaker":"Annemie Tonken","startTime":121.35,"endTime":125.34,"body":"they didn't really stick to that"},{"speaker":"Annemie Tonken","startTime":121.35,"endTime":125.34,"body":"plan that was just kind of a"},{"speaker":"Annemie Tonken","startTime":125.4,"endTime":129.54,"body":"hope instead of a plan. So I"},{"speaker":"Annemie Tonken","startTime":125.4,"endTime":129.54,"body":"would love to teach you how to"},{"speaker":"Annemie Tonken","startTime":129.54,"endTime":132.9,"body":"do that you can learn more about"},{"speaker":"Annemie Tonken","startTime":129.54,"endTime":132.9,"body":"the course at this can't be that"},{"speaker":"Annemie Tonken","startTime":132.9,"endTime":138.78,"body":"hard.com/revenue. And with that,"},{"speaker":"Annemie Tonken","startTime":132.9,"endTime":138.78,"body":"I will turn it over to my"},{"speaker":"Annemie Tonken","startTime":138.78,"endTime":142.68,"body":"conversation with MicKallyn."},{"speaker":"Annemie Tonken","startTime":138.78,"endTime":142.68,"body":"Welcome to this can't be that"},{"speaker":"Annemie Tonken","startTime":142.68,"endTime":146.46,"body":"hard. My name is Annemie Tonken"},{"speaker":"Annemie Tonken","startTime":142.68,"endTime":146.46,"body":"and I help photographers run"},{"speaker":"Annemie Tonken","startTime":146.46,"endTime":150.42,"body":"profitable, sustainable"},{"speaker":"Annemie Tonken","startTime":146.46,"endTime":150.42,"body":"businesses that they love. Each"},{"speaker":"Annemie Tonken","startTime":150.42,"endTime":153.99,"body":"week on the podcast, I cover"},{"speaker":"Annemie Tonken","startTime":150.42,"endTime":153.99,"body":"simple, actionable strategies"},{"speaker":"Annemie Tonken","startTime":153.99,"endTime":157.35,"body":"and systems that photographers"},{"speaker":"Annemie Tonken","startTime":153.99,"endTime":157.35,"body":"at every level of experience can"},{"speaker":"Annemie Tonken","startTime":157.35,"endTime":161.67,"body":"use to earn more money in a more"},{"speaker":"Annemie Tonken","startTime":157.35,"endTime":161.67,"body":"sustainable way. Running a"},{"speaker":"Annemie Tonken","startTime":161.67,"endTime":165.27,"body":"photography business doesn't"},{"speaker":"Annemie Tonken","startTime":161.67,"endTime":165.27,"body":"have to be that hard. You can do"},{"speaker":"Annemie Tonken","startTime":165.27,"endTime":172.74,"body":"it. And I can show you how"},{"speaker":"Annemie Tonken","startTime":165.27,"endTime":172.74,"body":"MacAllan Welcome to this can't"},{"speaker":"Annemie Tonken","startTime":172.74,"endTime":175.17,"body":"be that hard. It's so great to"},{"speaker":"Annemie Tonken","startTime":172.74,"endTime":175.17,"body":"have you on the show today. How"},{"speaker":"Annemie Tonken","startTime":175.17,"endTime":175.77,"body":"are you?"},{"speaker":"MicKallyn Elis","startTime":176.43,"endTime":179.214,"body":"I'm doing great"},{"speaker":"MicKallyn Elis","startTime":176.43,"endTime":179.214,"body":"Annemie. Thank you so much for"},{"speaker":"MicKallyn Elis","startTime":179.274,"endTime":179.88,"body":"having me."},{"speaker":"Annemie Tonken","startTime":180.03,"endTime":183.21,"body":"It is my"},{"speaker":"Annemie Tonken","startTime":180.03,"endTime":183.21,"body":"pleasure. And I am super excited"},{"speaker":"Annemie Tonken","startTime":183.21,"endTime":189.93,"body":"for today's conversation because"},{"speaker":"Annemie Tonken","startTime":183.21,"endTime":189.93,"body":"I know that I look at my job as"},{"speaker":"Annemie Tonken","startTime":189.93,"endTime":193.56,"body":"an educator as helping"},{"speaker":"Annemie Tonken","startTime":189.93,"endTime":193.56,"body":"photographers build businesses"},{"speaker":"Annemie Tonken","startTime":193.59,"endTime":198.45,"body":"that actually generate profit."},{"speaker":"Annemie Tonken","startTime":193.59,"endTime":198.45,"body":"But I from very personal"},{"speaker":"Annemie Tonken","startTime":198.45,"endTime":204.45,"body":"experience, know that the next"},{"speaker":"Annemie Tonken","startTime":198.45,"endTime":204.45,"body":"step in that process is managing"},{"speaker":"Annemie Tonken","startTime":204.6,"endTime":211.74,"body":"those profits responsibly in a"},{"speaker":"Annemie Tonken","startTime":204.6,"endTime":211.74,"body":"way that ends up building the I"},{"speaker":"Annemie Tonken","startTime":211.74,"endTime":215.91,"body":"guess freedom in your business"},{"speaker":"Annemie Tonken","startTime":211.74,"endTime":215.91,"body":"in your life that working is"},{"speaker":"Annemie Tonken","startTime":215.91,"endTime":220.92,"body":"supposed to give us so so I feel"},{"speaker":"Annemie Tonken","startTime":215.91,"endTime":220.92,"body":"like you're the expert on that."},{"speaker":"Annemie Tonken","startTime":220.92,"endTime":224.67,"body":"And I'm really excited. I would"},{"speaker":"Annemie Tonken","startTime":220.92,"endTime":224.67,"body":"love to have you just kind of"},{"speaker":"Annemie Tonken","startTime":224.67,"endTime":229.38,"body":"introduce yourself I love the"},{"speaker":"Annemie Tonken","startTime":224.67,"endTime":229.38,"body":"your about page on your website"},{"speaker":"Annemie Tonken","startTime":229.38,"endTime":233.88,"body":"and how you talk about your,"},{"speaker":"Annemie Tonken","startTime":229.38,"endTime":233.88,"body":"your focus. So I'm gonna I'm"},{"speaker":"Annemie Tonken","startTime":233.88,"endTime":236.46,"body":"gonna shut my mouth and let you"},{"speaker":"Annemie Tonken","startTime":233.88,"endTime":236.46,"body":"do a little introducing of"},{"speaker":"Annemie Tonken","startTime":236.46,"endTime":236.94,"body":"yourself."},{"speaker":"MicKallyn Elis","startTime":237.45,"endTime":241.44,"body":"Sounds good?"},{"speaker":"MicKallyn Elis","startTime":237.45,"endTime":241.44,"body":"Well, my name is MicKallyn. I am"},{"speaker":"MicKallyn Elis","startTime":241.44,"endTime":249.24,"body":"the owner and coach of the cash"},{"speaker":"MicKallyn Elis","startTime":241.44,"endTime":249.24,"body":"coach. And the reason why five"},{"speaker":"MicKallyn Elis","startTime":249.24,"endTime":253.47,"body":"years ago I got into financial"},{"speaker":"MicKallyn Elis","startTime":249.24,"endTime":253.47,"body":"coaching is I found that there"},{"speaker":"MicKallyn Elis","startTime":253.47,"endTime":260.4,"body":"was this gap within finances"},{"speaker":"MicKallyn Elis","startTime":253.47,"endTime":260.4,"body":"that wasn't being met. And as a"},{"speaker":"MicKallyn Elis","startTime":260.4,"endTime":265.83,"body":"banker and a mortgage lender, I"},{"speaker":"MicKallyn Elis","startTime":260.4,"endTime":265.83,"body":"realized I was not able to help"},{"speaker":"MicKallyn Elis","startTime":265.83,"endTime":272.25,"body":"my clients in a way that we"},{"speaker":"MicKallyn Elis","startTime":265.83,"endTime":272.25,"body":"really got down and dirty like"},{"speaker":"MicKallyn Elis","startTime":272.25,"endTime":275.52,"body":"with their numbers with their"},{"speaker":"MicKallyn Elis","startTime":272.25,"endTime":275.52,"body":"habits, their behaviors, how to"},{"speaker":"MicKallyn Elis","startTime":275.52,"endTime":281.28,"body":"manage their money. And so I"},{"speaker":"MicKallyn Elis","startTime":275.52,"endTime":281.28,"body":"took the leap five years ago"},{"speaker":"MicKallyn Elis","startTime":281.52,"endTime":286.32,"body":"into starting our business fine."},{"speaker":"MicKallyn Elis","startTime":281.52,"endTime":286.32,"body":"personal finances has actually"},{"speaker":"MicKallyn Elis","startTime":286.32,"endTime":291.09,"body":"been something since I can"},{"speaker":"MicKallyn Elis","startTime":286.32,"endTime":291.09,"body":"remember like 12 years old that"},{"speaker":"MicKallyn Elis","startTime":291.09,"endTime":298.23,"body":"I just loved and consumed. I"},{"speaker":"MicKallyn Elis","startTime":291.09,"endTime":298.23,"body":"loved making money. I loved"},{"speaker":"MicKallyn Elis","startTime":298.29,"endTime":302.1,"body":"managing money I enjoy During"},{"speaker":"MicKallyn Elis","startTime":298.29,"endTime":302.1,"body":"the process of paying down debt."},{"speaker":"MicKallyn Elis","startTime":303.84,"endTime":311.16,"body":"So early on in our my I got"},{"speaker":"MicKallyn Elis","startTime":303.84,"endTime":311.16,"body":"married. And early on in our"},{"speaker":"MicKallyn Elis","startTime":311.16,"endTime":315.42,"body":"marriage, I feel like one thing"},{"speaker":"MicKallyn Elis","startTime":311.16,"endTime":315.42,"body":"that has been able to help me as"},{"speaker":"MicKallyn Elis","startTime":315.42,"endTime":322.11,"body":"a financial coach, help clients"},{"speaker":"MicKallyn Elis","startTime":315.42,"endTime":322.11,"body":"is really, personally being able"},{"speaker":"MicKallyn Elis","startTime":322.11,"endTime":327.66,"body":"to identify it, like, what are"},{"speaker":"MicKallyn Elis","startTime":322.11,"endTime":327.66,"body":"our values, like what is"},{"speaker":"MicKallyn Elis","startTime":327.66,"endTime":332.19,"body":"important to us, because you can"},{"speaker":"MicKallyn Elis","startTime":327.66,"endTime":332.19,"body":"find a lot of blog posts out"},{"speaker":"MicKallyn Elis","startTime":332.19,"endTime":336.96,"body":"there of you know, trying to"},{"speaker":"MicKallyn Elis","startTime":332.19,"endTime":336.96,"body":"organize your money. There's,"},{"speaker":"MicKallyn Elis","startTime":337.2,"endTime":342.06,"body":"you know, endless resources. But"},{"speaker":"MicKallyn Elis","startTime":337.2,"endTime":342.06,"body":"really, what set us apart was"},{"speaker":"MicKallyn Elis","startTime":342.06,"endTime":345.63,"body":"understanding like, where did we"},{"speaker":"MicKallyn Elis","startTime":342.06,"endTime":345.63,"body":"want to spend our money? Like,"},{"speaker":"MicKallyn Elis","startTime":345.72,"endTime":350.37,"body":"how do we take the money that"},{"speaker":"MicKallyn Elis","startTime":345.72,"endTime":350.37,"body":"comes in? And how do we put it"},{"speaker":"MicKallyn Elis","startTime":350.37,"endTime":354.9,"body":"out in a way that serves us? So"},{"speaker":"MicKallyn Elis","startTime":350.37,"endTime":354.9,"body":"I took my experience as a"},{"speaker":"MicKallyn Elis","startTime":354.9,"endTime":359.46,"body":"banker, as a mortgage lender, as"},{"speaker":"MicKallyn Elis","startTime":354.9,"endTime":359.46,"body":"my personal passion, since I"},{"speaker":"MicKallyn Elis","startTime":359.46,"endTime":366.42,"body":"think I was like, 12. And then"},{"speaker":"MicKallyn Elis","startTime":359.46,"endTime":366.42,"body":"understanding like, what our"},{"speaker":"MicKallyn Elis","startTime":366.45,"endTime":369.75,"body":"values were, and how I could"},{"speaker":"MicKallyn Elis","startTime":366.45,"endTime":369.75,"body":"educate others on how to better"},{"speaker":"MicKallyn Elis","startTime":369.75,"endTime":373.02,"body":"manage and feel more competent"},{"speaker":"MicKallyn Elis","startTime":369.75,"endTime":373.02,"body":"around their money."},{"speaker":"Annemie Tonken","startTime":373.23,"endTime":377.52,"body":"Yeah. Which is"},{"speaker":"Annemie Tonken","startTime":373.23,"endTime":377.52,"body":"so crucial, that piece of like"},{"speaker":"Annemie Tonken","startTime":377.52,"endTime":382.17,"body":"really understanding why you're"},{"speaker":"Annemie Tonken","startTime":377.52,"endTime":382.17,"body":"making money beyond just the"},{"speaker":"Annemie Tonken","startTime":382.17,"endTime":386.22,"body":"basics of like, providing"},{"speaker":"Annemie Tonken","startTime":382.17,"endTime":386.22,"body":"shelter and food for yourself."},{"speaker":"Annemie Tonken","startTime":386.82,"endTime":391.32,"body":"And anybody else, yeah."},{"speaker":"Annemie Tonken","startTime":386.82,"endTime":391.32,"body":"sponsible for Yeah, that is it,"},{"speaker":"Annemie Tonken","startTime":391.44,"endTime":397.14,"body":"I feel like getting that clarity"},{"speaker":"Annemie Tonken","startTime":391.44,"endTime":397.14,"body":"is kind of step one. Right? I"},{"speaker":"Annemie Tonken","startTime":397.14,"endTime":401.79,"body":"love what you say, in in your"},{"speaker":"Annemie Tonken","startTime":397.14,"endTime":401.79,"body":"about, about the fact that"},{"speaker":"Annemie Tonken","startTime":401.79,"endTime":404.88,"body":"you're on a mission to help 1000"},{"speaker":"Annemie Tonken","startTime":401.79,"endTime":404.88,"body":"driven professionals to reach"},{"speaker":"Annemie Tonken","startTime":404.88,"endTime":412.11,"body":"their first $100,000 in net"},{"speaker":"Annemie Tonken","startTime":404.88,"endTime":412.11,"body":"worth, when I was so to give you"},{"speaker":"Annemie Tonken","startTime":412.11,"endTime":416.52,"body":"a little background about me, I"},{"speaker":"Annemie Tonken","startTime":412.11,"endTime":416.52,"body":"got forced in 2017 I got married"},{"speaker":"Annemie Tonken","startTime":416.55,"endTime":421.17,"body":"quite young. And then I got"},{"speaker":"Annemie Tonken","startTime":416.55,"endTime":421.17,"body":"divorced 17. And from the time,"},{"speaker":"Annemie Tonken","startTime":422.1,"endTime":425.55,"body":"I guess, when I before I got"},{"speaker":"Annemie Tonken","startTime":422.1,"endTime":425.55,"body":"married, before I was in that"},{"speaker":"Annemie Tonken","startTime":425.55,"endTime":430.95,"body":"relationship I was I didn't have"},{"speaker":"Annemie Tonken","startTime":425.55,"endTime":430.95,"body":"I mean, money management was"},{"speaker":"Annemie Tonken","startTime":430.95,"endTime":433.83,"body":"basically like, take everything"},{"speaker":"Annemie Tonken","startTime":430.95,"endTime":433.83,"body":"you make, put it in your bank"},{"speaker":"Annemie Tonken","startTime":433.83,"endTime":437.46,"body":"account and cover your you know,"},{"speaker":"Annemie Tonken","startTime":433.83,"endTime":437.46,"body":"your basic expenses, there was"},{"speaker":"Annemie Tonken","startTime":437.46,"endTime":442.44,"body":"not much to it, it was pretty"},{"speaker":"Annemie Tonken","startTime":437.46,"endTime":442.44,"body":"straightforward. Um, and then my"},{"speaker":"Annemie Tonken","startTime":442.5,"endTime":447.21,"body":"ex husband had sort of been at"},{"speaker":"Annemie Tonken","startTime":442.5,"endTime":447.21,"body":"the helm of our finances during"},{"speaker":"Annemie Tonken","startTime":447.21,"endTime":452.97,"body":"my marriage. And so when we got"},{"speaker":"Annemie Tonken","startTime":447.21,"endTime":452.97,"body":"divorced, I was to say that I"},{"speaker":"Annemie Tonken","startTime":452.97,"endTime":458.82,"body":"was overwhelmed and like, had a"},{"speaker":"Annemie Tonken","startTime":452.97,"endTime":458.82,"body":"giant amount of fear about like,"},{"speaker":"Annemie Tonken","startTime":458.85,"endTime":463.44,"body":"how I was going to handle all"},{"speaker":"Annemie Tonken","startTime":458.85,"endTime":463.44,"body":"this is a an understatement, but"},{"speaker":"Annemie Tonken","startTime":464.76,"endTime":467.52,"body":"but one of the things that was"},{"speaker":"Annemie Tonken","startTime":464.76,"endTime":467.52,"body":"really frustrating for me at"},{"speaker":"Annemie Tonken","startTime":467.52,"endTime":471.78,"body":"that point, because when we"},{"speaker":"Annemie Tonken","startTime":467.52,"endTime":471.78,"body":"split, unfortunately, I found"},{"speaker":"Annemie Tonken","startTime":471.78,"endTime":476.1,"body":"out that the money management"},{"speaker":"Annemie Tonken","startTime":471.78,"endTime":476.1,"body":"was not in wasn't in very good"},{"speaker":"Annemie Tonken","startTime":476.1,"endTime":480.75,"body":"shape. And so I was I didn't"},{"speaker":"Annemie Tonken","startTime":476.1,"endTime":480.75,"body":"have a lot of money, and trying"},{"speaker":"Annemie Tonken","startTime":480.75,"endTime":484.65,"body":"to get help with that was so"},{"speaker":"Annemie Tonken","startTime":480.75,"endTime":484.65,"body":"difficult. Like, you were like,"},{"speaker":"Annemie Tonken","startTime":484.65,"endTime":486.66,"body":"come back to me when you have a"},{"speaker":"Annemie Tonken","startTime":484.65,"endTime":486.66,"body":"bunch of money. And I was like,"},{"speaker":"Annemie Tonken","startTime":486.66,"endTime":490.32,"body":"No, the problem is I can't get"},{"speaker":"Annemie Tonken","startTime":486.66,"endTime":490.32,"body":"there. So I love the fact that"},{"speaker":"Annemie Tonken","startTime":490.32,"endTime":493.65,"body":"you are targeting people who are"},{"speaker":"Annemie Tonken","startTime":490.32,"endTime":493.65,"body":"in that phase. Yeah,"},{"speaker":"MicKallyn Elis","startTime":493.68,"endTime":497.97,"body":"exactly that"},{"speaker":"MicKallyn Elis","startTime":493.68,"endTime":497.97,"body":"that gap of like, Alright, who's"},{"speaker":"MicKallyn Elis","startTime":497.97,"endTime":501.27,"body":"gonna guide me? Like, who's"},{"speaker":"MicKallyn Elis","startTime":497.97,"endTime":501.27,"body":"gonna? Who's gonna educate me?"},{"speaker":"MicKallyn Elis","startTime":502.62,"endTime":507.12,"body":"Absolutely. One thing that also"},{"speaker":"MicKallyn Elis","startTime":502.62,"endTime":507.12,"body":"when it comes to like, starting"},{"speaker":"MicKallyn Elis","startTime":507.12,"endTime":511.02,"body":"my business, like a passion"},{"speaker":"MicKallyn Elis","startTime":507.12,"endTime":511.02,"body":"point, is financial literacy."},{"speaker":"MicKallyn Elis","startTime":511.05,"endTime":514.32,"body":"Like what you were just saying,"},{"speaker":"MicKallyn Elis","startTime":511.05,"endTime":514.32,"body":"like something that you didn't"},{"speaker":"MicKallyn Elis","startTime":514.32,"endTime":518.4,"body":"know a lot about? Well, it isn't"},{"speaker":"MicKallyn Elis","startTime":514.32,"endTime":518.4,"body":"taught, unfortunately, it's"},{"speaker":"MicKallyn Elis","startTime":518.4,"endTime":521.58,"body":"starting to get better. But"},{"speaker":"MicKallyn Elis","startTime":518.4,"endTime":521.58,"body":"financial literacy is not"},{"speaker":"MicKallyn Elis","startTime":521.61,"endTime":526.56,"body":"taught, oftentimes in school,"},{"speaker":"MicKallyn Elis","startTime":521.61,"endTime":526.56,"body":"and it's not just a one time"},{"speaker":"MicKallyn Elis","startTime":526.56,"endTime":528.6,"body":"class that needs to be"},{"speaker":"MicKallyn Elis","startTime":526.56,"endTime":528.6,"body":"happening. I mean, this should"},{"speaker":"MicKallyn Elis","startTime":528.6,"endTime":532.47,"body":"be grade school, middle school,"},{"speaker":"MicKallyn Elis","startTime":528.6,"endTime":532.47,"body":"high school, college, and just"},{"speaker":"MicKallyn Elis","startTime":532.47,"endTime":537.09,"body":"keep building on it. So there's"},{"speaker":"MicKallyn Elis","startTime":532.47,"endTime":537.09,"body":"that but I work with a lot of"},{"speaker":"MicKallyn Elis","startTime":537.27,"endTime":542.31,"body":"adults with, obviously, with"},{"speaker":"MicKallyn Elis","startTime":537.27,"endTime":542.31,"body":"their finances, and I think"},{"speaker":"MicKallyn Elis","startTime":542.31,"endTime":546.99,"body":"there's something to indicate"},{"speaker":"MicKallyn Elis","startTime":542.31,"endTime":546.99,"body":"when it comes to financial"},{"speaker":"MicKallyn Elis","startTime":546.99,"endTime":553.14,"body":"literacy versus financial"},{"speaker":"MicKallyn Elis","startTime":546.99,"endTime":553.14,"body":"coaching. Okay. So, again,"},{"speaker":"MicKallyn Elis","startTime":553.17,"endTime":558.06,"body":"financial literacy is amazing."},{"speaker":"MicKallyn Elis","startTime":553.17,"endTime":558.06,"body":"And there needs to be focus, but"},{"speaker":"MicKallyn Elis","startTime":558.06,"endTime":563.07,"body":"helping adults, especially"},{"speaker":"MicKallyn Elis","startTime":558.06,"endTime":563.07,"body":"solopreneurs. With their money."},{"speaker":"MicKallyn Elis","startTime":563.25,"endTime":569.7,"body":"This is where, again, coaching"},{"speaker":"MicKallyn Elis","startTime":563.25,"endTime":569.7,"body":"comes into place. So with money,"},{"speaker":"MicKallyn Elis","startTime":569.85,"endTime":574.95,"body":"what you experienced personally,"},{"speaker":"MicKallyn Elis","startTime":569.85,"endTime":574.95,"body":"money being the number one cause"},{"speaker":"MicKallyn Elis","startTime":575.43,"endTime":581.25,"body":"of stress in the United States."},{"speaker":"MicKallyn Elis","startTime":575.43,"endTime":581.25,"body":"financial coaching, in my humble"},{"speaker":"MicKallyn Elis","startTime":581.25,"endTime":586.92,"body":"opinion, is the solution. It's"},{"speaker":"MicKallyn Elis","startTime":581.25,"endTime":586.92,"body":"actually not financial literacy"},{"speaker":"MicKallyn Elis","startTime":586.92,"endTime":591.75,"body":"at this point. And as adults,"},{"speaker":"MicKallyn Elis","startTime":586.92,"endTime":591.75,"body":"and you're probably going like,"},{"speaker":"MicKallyn Elis","startTime":591.75,"endTime":595.08,"body":"wait, what? Why are you saying"},{"speaker":"MicKallyn Elis","startTime":591.75,"endTime":595.08,"body":"like, why are you saying that,"},{"speaker":"MicKallyn Elis","startTime":595.08,"endTime":598.65,"body":"again, financial literacy is"},{"speaker":"MicKallyn Elis","startTime":595.08,"endTime":598.65,"body":"needed, but you can Google"},{"speaker":"MicKallyn Elis","startTime":598.65,"endTime":602.58,"body":"anything you can google Any"},{"speaker":"MicKallyn Elis","startTime":598.65,"endTime":602.58,"body":"financial question, but how do"},{"speaker":"MicKallyn Elis","startTime":602.58,"endTime":607.41,"body":"you? How do you tie that into"},{"speaker":"MicKallyn Elis","startTime":602.58,"endTime":607.41,"body":"your personal financial journey"},{"speaker":"MicKallyn Elis","startTime":607.41,"endTime":612.78,"body":"of like where you're at? How do"},{"speaker":"MicKallyn Elis","startTime":607.41,"endTime":612.78,"body":"you put it into action? So the"},{"speaker":"MicKallyn Elis","startTime":612.78,"endTime":616.71,"body":"difference between financial"},{"speaker":"MicKallyn Elis","startTime":612.78,"endTime":616.71,"body":"literacy and what I do as a"},{"speaker":"MicKallyn Elis","startTime":616.71,"endTime":622.71,"body":"financial coach is financial"},{"speaker":"MicKallyn Elis","startTime":616.71,"endTime":622.71,"body":"coaching is all about taking the"},{"speaker":"MicKallyn Elis","startTime":622.71,"endTime":627.45,"body":"knowledge. And applying it."},{"speaker":"MicKallyn Elis","startTime":622.71,"endTime":627.45,"body":"Applying a part is the hard"},{"speaker":"MicKallyn Elis","startTime":627.45,"endTime":631.98,"body":"part, right? So financial"},{"speaker":"MicKallyn Elis","startTime":627.45,"endTime":631.98,"body":"coaching, is all about taking"},{"speaker":"MicKallyn Elis","startTime":632.04,"endTime":637.59,"body":"action, and no longer being"},{"speaker":"MicKallyn Elis","startTime":632.04,"endTime":637.59,"body":"passive in the information that"},{"speaker":"MicKallyn Elis","startTime":637.59,"endTime":642.48,"body":"you're taking financial"},{"speaker":"MicKallyn Elis","startTime":637.59,"endTime":642.48,"body":"coaching. A good financial coach"},{"speaker":"MicKallyn Elis","startTime":642.48,"endTime":647.37,"body":"is not putting you into a cookie"},{"speaker":"MicKallyn Elis","startTime":642.48,"endTime":647.37,"body":"cutter plan, right? That you"},{"speaker":"MicKallyn Elis","startTime":647.37,"endTime":650.1,"body":"might be reading that you might"},{"speaker":"MicKallyn Elis","startTime":647.37,"endTime":650.1,"body":"be Googling, right, everyone,"},{"speaker":"MicKallyn Elis","startTime":650.1,"endTime":652.74,"body":"everyone's plan, all of my"},{"speaker":"MicKallyn Elis","startTime":650.1,"endTime":652.74,"body":"clients plans are all different,"},{"speaker":"MicKallyn Elis","startTime":652.92,"endTime":655.17,"body":"and they should be different."},{"speaker":"MicKallyn Elis","startTime":652.92,"endTime":655.17,"body":"We're all in different places in"},{"speaker":"MicKallyn Elis","startTime":655.17,"endTime":657.63,"body":"our journey. We all have"},{"speaker":"MicKallyn Elis","startTime":655.17,"endTime":657.63,"body":"different goals. Everything's"},{"speaker":"MicKallyn Elis","startTime":657.63,"endTime":662.19,"body":"different. A financial coach for"},{"speaker":"MicKallyn Elis","startTime":657.63,"endTime":662.19,"body":"US financial literacy, financial"},{"speaker":"MicKallyn Elis","startTime":662.58,"endTime":666.57,"body":"coaching helps you create"},{"speaker":"MicKallyn Elis","startTime":662.58,"endTime":666.57,"body":"strategies. It focuses on your"},{"speaker":"MicKallyn Elis","startTime":666.57,"endTime":671.16,"body":"behaviors, it focuses on your"},{"speaker":"MicKallyn Elis","startTime":666.57,"endTime":671.16,"body":"habits, that help you be"},{"speaker":"MicKallyn Elis","startTime":671.16,"endTime":675.87,"body":"proactive and sustainable with"},{"speaker":"MicKallyn Elis","startTime":671.16,"endTime":675.87,"body":"your finances. And financial"},{"speaker":"MicKallyn Elis","startTime":675.87,"endTime":679.14,"body":"coaching also puts you in"},{"speaker":"MicKallyn Elis","startTime":675.87,"endTime":679.14,"body":"control of your money, so you"},{"speaker":"MicKallyn Elis","startTime":679.14,"endTime":684.0,"body":"can make decisions with"},{"speaker":"MicKallyn Elis","startTime":679.14,"endTime":684.0,"body":"confidence. So that is the"},{"speaker":"MicKallyn Elis","startTime":684.0,"endTime":690.27,"body":"difference, in my opinion, on"},{"speaker":"MicKallyn Elis","startTime":684.0,"endTime":690.27,"body":"like what a financial coach"},{"speaker":"MicKallyn Elis","startTime":690.27,"endTime":694.65,"body":"does. And going back to that gap"},{"speaker":"MicKallyn Elis","startTime":690.27,"endTime":694.65,"body":"that you were talking about that"},{"speaker":"MicKallyn Elis","startTime":694.65,"endTime":698.07,"body":"you experienced that I hope"},{"speaker":"MicKallyn Elis","startTime":694.65,"endTime":698.07,"body":"financial coaches are starting"},{"speaker":"MicKallyn Elis","startTime":698.07,"endTime":698.58,"body":"to"},{"speaker":"Annemie Tonken","startTime":699.54,"endTime":703.92,"body":"fill to address."},{"speaker":"Annemie Tonken","startTime":699.54,"endTime":703.92,"body":"Yeah, for sure. Yeah. And one of"},{"speaker":"Annemie Tonken","startTime":703.92,"endTime":709.05,"body":"the things that I think is"},{"speaker":"Annemie Tonken","startTime":703.92,"endTime":709.05,"body":"really hard as a solopreneur, in"},{"speaker":"Annemie Tonken","startTime":709.17,"endTime":713.22,"body":"the line of business that I'm in"},{"speaker":"Annemie Tonken","startTime":709.17,"endTime":713.22,"body":"and that probably most of the"},{"speaker":"Annemie Tonken","startTime":713.22,"endTime":716.49,"body":"people listening are in unless"},{"speaker":"Annemie Tonken","startTime":713.22,"endTime":716.49,"body":"my mom is listening, she's not a"},{"speaker":"Annemie Tonken","startTime":716.49,"endTime":722.25,"body":"photographer, but she just like"},{"speaker":"Annemie Tonken","startTime":716.49,"endTime":722.25,"body":"to listen sometimes is, is the"},{"speaker":"Annemie Tonken","startTime":722.25,"endTime":726.93,"body":"fact that our income can be"},{"speaker":"Annemie Tonken","startTime":722.25,"endTime":726.93,"body":"pretty wildly different from"},{"speaker":"Annemie Tonken","startTime":727.47,"endTime":731.79,"body":"season to season, month to"},{"speaker":"Annemie Tonken","startTime":727.47,"endTime":731.79,"body":"month, like when I was then five"},{"speaker":"Annemie Tonken","startTime":731.79,"endTime":735.18,"body":"years ago, or six years ago,"},{"speaker":"Annemie Tonken","startTime":731.79,"endTime":735.18,"body":"whenever it was trying to self"},{"speaker":"Annemie Tonken","startTime":735.18,"endTime":739.41,"body":"educate about a lot of this"},{"speaker":"Annemie Tonken","startTime":735.18,"endTime":739.41,"body":"stuff. Almost everything out"},{"speaker":"Annemie Tonken","startTime":739.41,"endTime":743.73,"body":"there that is written and all"},{"speaker":"Annemie Tonken","startTime":739.41,"endTime":743.73,"body":"that is like it's written for"},{"speaker":"Annemie Tonken","startTime":743.73,"endTime":747.39,"body":"people who get a paycheck. And"},{"speaker":"Annemie Tonken","startTime":743.73,"endTime":747.39,"body":"at the time I did I wasn't"},{"speaker":"Annemie Tonken","startTime":747.39,"endTime":750.24,"body":"writing a paycheck to myself."},{"speaker":"Annemie Tonken","startTime":747.39,"endTime":750.24,"body":"Now I'm better about that. But"},{"speaker":"Annemie Tonken","startTime":750.87,"endTime":756.9,"body":"but the but it was hard to"},{"speaker":"Annemie Tonken","startTime":750.87,"endTime":756.9,"body":"budget, it was hard to estimate"},{"speaker":"Annemie Tonken","startTime":756.9,"endTime":759.69,"body":"expenses. I mean, I guess the"},{"speaker":"Annemie Tonken","startTime":756.9,"endTime":759.69,"body":"expenses part was a little bit"},{"speaker":"Annemie Tonken","startTime":759.69,"endTime":765.12,"body":"easier to to, to know, but"},{"speaker":"Annemie Tonken","startTime":759.69,"endTime":765.12,"body":"planning for paying for those"},{"speaker":"Annemie Tonken","startTime":765.48,"endTime":770.4,"body":"got complicated because of the"},{"speaker":"Annemie Tonken","startTime":765.48,"endTime":770.4,"body":"variable income thing. I assume"},{"speaker":"Annemie Tonken","startTime":770.4,"endTime":773.88,"body":"I know you work with a lot of"},{"speaker":"Annemie Tonken","startTime":770.4,"endTime":773.88,"body":"solopreneurs. We can't Yes."},{"speaker":"Annemie Tonken","startTime":773.88,"endTime":776.28,"body":"ographers? aren't the only"},{"speaker":"Annemie Tonken","startTime":773.88,"endTime":776.28,"body":"people who have variable income"},{"speaker":"Annemie Tonken","startTime":776.28,"endTime":781.53,"body":"How? How do you kind of manage"},{"speaker":"Annemie Tonken","startTime":776.28,"endTime":781.53,"body":"that with your with your clients"},{"speaker":"Annemie Tonken","startTime":781.53,"endTime":782.76,"body":"that don't get a paycheck."},{"speaker":"MicKallyn Elis","startTime":782.85,"endTime":788.76,"body":"So the end goal,"},{"speaker":"MicKallyn Elis","startTime":782.85,"endTime":788.76,"body":"as you kind of indicated, is to"},{"speaker":"MicKallyn Elis","startTime":788.76,"endTime":792.51,"body":"give yourself a paycheck. So"},{"speaker":"MicKallyn Elis","startTime":788.76,"endTime":792.51,"body":"that is the end goal. But the"},{"speaker":"MicKallyn Elis","startTime":792.51,"endTime":797.7,"body":"steps to get to that end goal."},{"speaker":"MicKallyn Elis","startTime":792.51,"endTime":797.7,"body":"Start by really like"},{"speaker":"MicKallyn Elis","startTime":797.73,"endTime":801.9,"body":"understanding your personal"},{"speaker":"MicKallyn Elis","startTime":797.73,"endTime":801.9,"body":"expenses. I know it's not sexy,"},{"speaker":"MicKallyn Elis","startTime":801.93,"endTime":804.78,"body":"right? I know, it's maybe not"},{"speaker":"MicKallyn Elis","startTime":801.93,"endTime":804.78,"body":"the answer that people were"},{"speaker":"MicKallyn Elis","startTime":804.78,"endTime":809.28,"body":"looking for. But the first step"},{"speaker":"MicKallyn Elis","startTime":804.78,"endTime":809.28,"body":"is really to understand what are"},{"speaker":"MicKallyn Elis","startTime":809.28,"endTime":813.63,"body":"your personal expenses and I"},{"speaker":"MicKallyn Elis","startTime":809.28,"endTime":813.63,"body":"coach on breaking those down"},{"speaker":"MicKallyn Elis","startTime":813.63,"endTime":818.76,"body":"into three categories. We are"},{"speaker":"MicKallyn Elis","startTime":813.63,"endTime":818.76,"body":"understanding our reoccurring"},{"speaker":"MicKallyn Elis","startTime":818.76,"endTime":822.15,"body":"expenses, your mortgage, your"},{"speaker":"MicKallyn Elis","startTime":818.76,"endTime":822.15,"body":"rent, your utilities, the little"},{"speaker":"MicKallyn Elis","startTime":822.15,"endTime":825.12,"body":"subscriptions, the larger"},{"speaker":"MicKallyn Elis","startTime":822.15,"endTime":825.12,"body":"subscriptions, minimum debt"},{"speaker":"MicKallyn Elis","startTime":825.12,"endTime":829.26,"body":"payments. The second category"},{"speaker":"MicKallyn Elis","startTime":825.12,"endTime":829.26,"body":"that we got to get organized in"},{"speaker":"MicKallyn Elis","startTime":829.26,"endTime":834.42,"body":"is your day to day spending. So"},{"speaker":"MicKallyn Elis","startTime":829.26,"endTime":834.42,"body":"this is where the money leaks"},{"speaker":"MicKallyn Elis","startTime":834.42,"endTime":837.48,"body":"happen. This is a part that"},{"speaker":"MicKallyn Elis","startTime":834.42,"endTime":837.48,"body":"people really have a hard time"},{"speaker":"MicKallyn Elis","startTime":837.48,"endTime":841.65,"body":"understanding where their money"},{"speaker":"MicKallyn Elis","startTime":837.48,"endTime":841.65,"body":"is going and then to how to"},{"speaker":"MicKallyn Elis","startTime":841.65,"endTime":844.32,"body":"manage it. So this is your"},{"speaker":"MicKallyn Elis","startTime":841.65,"endTime":844.32,"body":"Starbucks at your targets."},{"speaker":"MicKallyn Elis","startTime":844.32,"endTime":848.64,"body":"Nothing's wrong with these"},{"speaker":"MicKallyn Elis","startTime":844.32,"endTime":848.64,"body":"expenses. We just need clarity"},{"speaker":"MicKallyn Elis","startTime":848.64,"endTime":852.27,"body":"and a system on how to like"},{"speaker":"MicKallyn Elis","startTime":848.64,"endTime":852.27,"body":"better manage it. And then the"},{"speaker":"MicKallyn Elis","startTime":852.27,"endTime":856.68,"body":"third category that we get"},{"speaker":"MicKallyn Elis","startTime":852.27,"endTime":856.68,"body":"organized in is your real non"},{"speaker":"MicKallyn Elis","startTime":856.68,"endTime":861.33,"body":"reoccurring expenses or your"},{"speaker":"MicKallyn Elis","startTime":856.68,"endTime":861.33,"body":"random expenses. So this can"},{"speaker":"MicKallyn Elis","startTime":861.33,"endTime":865.71,"body":"look like your annual payments"},{"speaker":"MicKallyn Elis","startTime":861.33,"endTime":865.71,"body":"that you have so your car"},{"speaker":"MicKallyn Elis","startTime":865.71,"endTime":872.1,"body":"insurance, car registration."},{"speaker":"MicKallyn Elis","startTime":865.71,"endTime":872.1,"body":"Amazon says, you know, annual"},{"speaker":"MicKallyn Elis","startTime":872.1,"endTime":877.11,"body":"subscriptions to classes or"},{"speaker":"MicKallyn Elis","startTime":872.1,"endTime":877.11,"body":"courses or whatever it may be"},{"speaker":"MicKallyn Elis","startTime":877.8,"endTime":880.47,"body":"personal grooming, right? You"},{"speaker":"MicKallyn Elis","startTime":877.8,"endTime":880.47,"body":"can get your hair done and it"},{"speaker":"MicKallyn Elis","startTime":880.47,"endTime":884.46,"body":"can be like 200 bucks or I've"},{"speaker":"MicKallyn Elis","startTime":880.47,"endTime":884.46,"body":"clients like you know, Botox is"},{"speaker":"MicKallyn Elis","startTime":884.46,"endTime":888.96,"body":"important that happens every"},{"speaker":"MicKallyn Elis","startTime":884.46,"endTime":888.96,"body":"three to four, three to four"},{"speaker":"MicKallyn Elis","startTime":888.96,"endTime":892.05,"body":"months and it's three to $400"},{"speaker":"MicKallyn Elis","startTime":888.96,"endTime":892.05,"body":"Like how do you how do you"},{"speaker":"MicKallyn Elis","startTime":892.05,"endTime":896.01,"body":"manage that right? That's how we"},{"speaker":"MicKallyn Elis","startTime":892.05,"endTime":896.01,"body":"get organized is the first step"},{"speaker":"MicKallyn Elis","startTime":897.12,"endTime":902.91,"body":"once and if if your listeners"},{"speaker":"MicKallyn Elis","startTime":897.12,"endTime":902.91,"body":"Want a cheat sheet on how to"},{"speaker":"MicKallyn Elis","startTime":902.91,"endTime":907.32,"body":"kind of start organizing this,"},{"speaker":"MicKallyn Elis","startTime":902.91,"endTime":907.32,"body":"they can head over to the cash"},{"speaker":"MicKallyn Elis","startTime":907.32,"endTime":911.73,"body":"coach pro COMM And there will be"},{"speaker":"MicKallyn Elis","startTime":907.32,"endTime":911.73,"body":"a little pop up that comes up"},{"speaker":"MicKallyn Elis","startTime":911.73,"endTime":915.51,"body":"stop winging your finances"},{"speaker":"MicKallyn Elis","startTime":911.73,"endTime":915.51,"body":"create a budget that actually"},{"speaker":"MicKallyn Elis","startTime":915.51,"endTime":919.74,"body":"works. And that can help them"},{"speaker":"MicKallyn Elis","startTime":915.51,"endTime":919.74,"body":"start getting organized in those"},{"speaker":"MicKallyn Elis","startTime":919.74,"endTime":926.58,"body":"three steps. So step number one"},{"speaker":"MicKallyn Elis","startTime":919.74,"endTime":926.58,"body":"for my solopreneurs with a"},{"speaker":"MicKallyn Elis","startTime":926.61,"endTime":933.03,"body":"variable income is we still have"},{"speaker":"MicKallyn Elis","startTime":926.61,"endTime":933.03,"body":"to focus on the personal"},{"speaker":"MicKallyn Elis","startTime":933.03,"endTime":936.81,"body":"expenses. Step number two is"},{"speaker":"MicKallyn Elis","startTime":933.03,"endTime":936.81,"body":"what you do actually a really"},{"speaker":"MicKallyn Elis","startTime":936.81,"endTime":940.92,"body":"great job with of like,"},{"speaker":"MicKallyn Elis","startTime":936.81,"endTime":940.92,"body":"educating your clients and"},{"speaker":"MicKallyn Elis","startTime":940.92,"endTime":945.06,"body":"educating your listeners on"},{"speaker":"MicKallyn Elis","startTime":940.92,"endTime":945.06,"body":"knowing your numbers, right. So"},{"speaker":"MicKallyn Elis","startTime":945.39,"endTime":950.55,"body":"we, the next step would be"},{"speaker":"MicKallyn Elis","startTime":945.39,"endTime":950.55,"body":"understanding what have you"},{"speaker":"MicKallyn Elis","startTime":950.58,"endTime":954.09,"body":"historically made in the past?"},{"speaker":"MicKallyn Elis","startTime":950.58,"endTime":954.09,"body":"And like breaking that down"},{"speaker":"MicKallyn Elis","startTime":954.09,"endTime":958.2,"body":"month by month? So we are trying"},{"speaker":"MicKallyn Elis","startTime":954.09,"endTime":958.2,"body":"to understand what is the"},{"speaker":"MicKallyn Elis","startTime":958.2,"endTime":962.43,"body":"patterns? What are the trends"},{"speaker":"MicKallyn Elis","startTime":958.2,"endTime":962.43,"body":"when it comes to your past"},{"speaker":"MicKallyn Elis","startTime":962.49,"endTime":969.87,"body":"income. And then we then come up"},{"speaker":"MicKallyn Elis","startTime":962.49,"endTime":969.87,"body":"with a game plan of taking that"},{"speaker":"MicKallyn Elis","startTime":969.87,"endTime":974.19,"body":"historical information. And out"},{"speaker":"MicKallyn Elis","startTime":969.87,"endTime":974.19,"body":"of just the bare minimum, what"},{"speaker":"MicKallyn Elis","startTime":974.19,"endTime":980.31,"body":"you like need, what's your"},{"speaker":"MicKallyn Elis","startTime":974.19,"endTime":980.31,"body":"average, I do love that you"},{"speaker":"MicKallyn Elis","startTime":980.34,"endTime":984.54,"body":"teach on really focusing on"},{"speaker":"MicKallyn Elis","startTime":980.34,"endTime":984.54,"body":"like, what you want to make, I"},{"speaker":"MicKallyn Elis","startTime":984.54,"endTime":986.94,"body":"think there is like what you"},{"speaker":"MicKallyn Elis","startTime":984.54,"endTime":986.94,"body":"want to make and what you need"},{"speaker":"MicKallyn Elis","startTime":986.94,"endTime":989.88,"body":"to make sort of thing. We're"},{"speaker":"MicKallyn Elis","startTime":986.94,"endTime":989.88,"body":"still in the stage of what do"},{"speaker":"MicKallyn Elis","startTime":989.88,"endTime":995.88,"body":"you need to make, right? So"},{"speaker":"MicKallyn Elis","startTime":989.88,"endTime":995.88,"body":"knowing your numbers is that"},{"speaker":"MicKallyn Elis","startTime":995.88,"endTime":1002.72,"body":"second step, what comes with"},{"speaker":"MicKallyn Elis","startTime":995.88,"endTime":1002.72,"body":"knowing your numbers, is it"},{"speaker":"MicKallyn Elis","startTime":1002.72,"endTime":1006.56,"body":"creates empowerment, you're more"},{"speaker":"MicKallyn Elis","startTime":1002.72,"endTime":1006.56,"body":"motivated when you know your"},{"speaker":"MicKallyn Elis","startTime":1006.56,"endTime":1011.93,"body":"numbers. I had a client who just"},{"speaker":"MicKallyn Elis","startTime":1006.56,"endTime":1011.93,"body":"told me that their business, she"},{"speaker":"MicKallyn Elis","startTime":1011.93,"endTime":1015.53,"body":"was a lactation specialist, her"},{"speaker":"MicKallyn Elis","startTime":1011.93,"endTime":1015.53,"body":"business that she's been in for"},{"speaker":"MicKallyn Elis","startTime":1015.53,"endTime":1018.2,"body":"three years now it feels more"},{"speaker":"MicKallyn Elis","startTime":1015.53,"endTime":1018.2,"body":"like a real business because"},{"speaker":"MicKallyn Elis","startTime":1018.2,"endTime":1022.79,"body":"she's gaining clarity around her"},{"speaker":"MicKallyn Elis","startTime":1018.2,"endTime":1022.79,"body":"numbers. She's like welcoming"},{"speaker":"MicKallyn Elis","startTime":1022.82,"endTime":1026.75,"body":"the boundaries that she's kind"},{"speaker":"MicKallyn Elis","startTime":1022.82,"endTime":1026.75,"body":"of starting to put in place with"},{"speaker":"MicKallyn Elis","startTime":1026.75,"endTime":1032.12,"body":"her finances ends with saying"},{"speaker":"MicKallyn Elis","startTime":1026.75,"endTime":1032.12,"body":"yes, to certain gigs and certain"},{"speaker":"MicKallyn Elis","startTime":1032.12,"endTime":1035.45,"body":"clients. Right. Yeah, that"},{"speaker":"MicKallyn Elis","startTime":1032.12,"endTime":1035.45,"body":"aligns to what's important to"},{"speaker":"MicKallyn Elis","startTime":1035.45,"endTime":1040.76,"body":"her and I think your listeners"},{"speaker":"MicKallyn Elis","startTime":1035.45,"endTime":1040.76,"body":"can really probably relate to"},{"speaker":"MicKallyn Elis","startTime":1040.76,"endTime":1045.35,"body":"that. And she's excited for the"},{"speaker":"MicKallyn Elis","startTime":1040.76,"endTime":1045.35,"body":"goals. So that would be like"},{"speaker":"MicKallyn Elis","startTime":1045.35,"endTime":1046.46,"body":"step number two,"},{"speaker":"Annemie Tonken","startTime":1046.52,"endTime":1050.6,"body":"right? And I I"},{"speaker":"Annemie Tonken","startTime":1046.52,"endTime":1050.6,"body":"love that because it it really"},{"speaker":"Annemie Tonken","startTime":1050.6,"endTime":1054.56,"body":"is I talk to a lot of"},{"speaker":"Annemie Tonken","startTime":1050.6,"endTime":1054.56,"body":"photographers on a regular basis"},{"speaker":"Annemie Tonken","startTime":1054.59,"endTime":1058.97,"body":"about you know, cuz you have to"},{"speaker":"Annemie Tonken","startTime":1054.59,"endTime":1058.97,"body":"know your numbers you have to"},{"speaker":"Annemie Tonken","startTime":1058.97,"endTime":1061.58,"body":"know your numbers. I feel like a"},{"speaker":"Annemie Tonken","startTime":1058.97,"endTime":1061.58,"body":"broken record when I talk about"},{"speaker":"Annemie Tonken","startTime":1061.58,"endTime":1065.96,"body":"it sometimes but I do come to"},{"speaker":"Annemie Tonken","startTime":1061.58,"endTime":1065.96,"body":"that from a place of like,"},{"speaker":"Annemie Tonken","startTime":1066.35,"endTime":1071.69,"body":"Personal I am I am very very"},{"speaker":"Annemie Tonken","startTime":1066.35,"endTime":1071.69,"body":"sensitive to how scary that is."},{"speaker":"Annemie Tonken","startTime":1071.69,"endTime":1075.83,"body":"And I think a lot of people put"},{"speaker":"Annemie Tonken","startTime":1071.69,"endTime":1075.83,"body":"up the like, I hate numbers. I"},{"speaker":"Annemie Tonken","startTime":1075.86,"endTime":1080.75,"body":"hate money, which is a strange"},{"speaker":"Annemie Tonken","startTime":1075.86,"endTime":1080.75,"body":"thing since we all ultimately"},{"speaker":"Annemie Tonken","startTime":1080.75,"endTime":1086.0,"body":"need it and and transact with it"},{"speaker":"Annemie Tonken","startTime":1080.75,"endTime":1086.0,"body":"all the time. But yeah, but"},{"speaker":"Annemie Tonken","startTime":1086.0,"endTime":1088.85,"body":"there is the the like a lot of"},{"speaker":"Annemie Tonken","startTime":1086.0,"endTime":1088.85,"body":"people have these very big"},{"speaker":"Annemie Tonken","startTime":1088.85,"endTime":1092.63,"body":"defense mechanisms put in place"},{"speaker":"Annemie Tonken","startTime":1088.85,"endTime":1092.63,"body":"that like have it almost"},{"speaker":"Annemie Tonken","startTime":1092.63,"endTime":1096.71,"body":"contributes to how they see"},{"speaker":"Annemie Tonken","startTime":1092.63,"endTime":1096.71,"body":"themselves like their personal"},{"speaker":"Annemie Tonken","startTime":1096.71,"endTime":1101.99,"body":"identity as like oh well. I'm"},{"speaker":"Annemie Tonken","startTime":1096.71,"endTime":1101.99,"body":"not really into money when when"},{"speaker":"Annemie Tonken","startTime":1101.99,"endTime":1106.28,"body":"you actually get down to it and"},{"speaker":"Annemie Tonken","startTime":1101.99,"endTime":1106.28,"body":"finally have that like come to"},{"speaker":"Annemie Tonken","startTime":1106.28,"endTime":1109.7,"body":"Jesus about like, Nope, you"},{"speaker":"Annemie Tonken","startTime":1106.28,"endTime":1109.7,"body":"actually have to know these"},{"speaker":"Annemie Tonken","startTime":1109.7,"endTime":1113.66,"body":"numbers. It really is just this"},{"speaker":"Annemie Tonken","startTime":1109.7,"endTime":1113.66,"body":"fear that once they know them"},{"speaker":"Annemie Tonken","startTime":1113.66,"endTime":1117.95,"body":"they're gonna like the whole"},{"speaker":"Annemie Tonken","startTime":1113.66,"endTime":1117.95,"body":"thing is gonna fall apart when"},{"speaker":"Annemie Tonken","startTime":1117.95,"endTime":1122.33,"body":"in fact they get to know their"},{"speaker":"Annemie Tonken","startTime":1117.95,"endTime":1122.33,"body":"numbers and even if their"},{"speaker":"Annemie Tonken","startTime":1122.33,"endTime":1126.62,"body":"numbers are a total disaster"},{"speaker":"Annemie Tonken","startTime":1122.33,"endTime":1126.62,"body":"that does empower them with this"},{"speaker":"Annemie Tonken","startTime":1126.62,"endTime":1129.83,"body":"ability to like plug absolutely"},{"speaker":"Annemie Tonken","startTime":1126.62,"endTime":1129.83,"body":"in in place to get it"},{"speaker":"Annemie Tonken","startTime":1129.83,"endTime":1134.03,"body":"straightened out and then once"},{"speaker":"Annemie Tonken","startTime":1129.83,"endTime":1134.03,"body":"it is in in you know order and"},{"speaker":"Annemie Tonken","startTime":1134.06,"endTime":1138.47,"body":"they have this like my pricing"},{"speaker":"Annemie Tonken","startTime":1134.06,"endTime":1138.47,"body":"is set my systems are set then"},{"speaker":"Annemie Tonken","startTime":1138.47,"endTime":1142.58,"body":"they're like on you know there's"},{"speaker":"Annemie Tonken","startTime":1138.47,"endTime":1142.58,"body":"no stopping them they're kind of"},{"speaker":"Annemie Tonken","startTime":1142.61,"endTime":1147.8,"body":"on the on the highway so So"},{"speaker":"Annemie Tonken","startTime":1142.61,"endTime":1147.8,"body":"yeah, that part always I love"},{"speaker":"Annemie Tonken","startTime":1147.8,"endTime":1149.3,"body":"watching that transformation"},{"speaker":"MicKallyn Elis","startTime":1149.63,"endTime":1154.01,"body":"yeah know your"},{"speaker":"MicKallyn Elis","startTime":1149.63,"endTime":1154.01,"body":"numbers is powerful and needed"},{"speaker":"MicKallyn Elis","startTime":1154.07,"endTime":1159.11,"body":"and needed. So with once you"},{"speaker":"MicKallyn Elis","startTime":1154.07,"endTime":1159.11,"body":"kind of know your personal"},{"speaker":"MicKallyn Elis","startTime":1159.11,"endTime":1163.31,"body":"expenses, you know your numbers"},{"speaker":"MicKallyn Elis","startTime":1159.11,"endTime":1163.31,"body":"per like, personally and from"},{"speaker":"MicKallyn Elis","startTime":1163.31,"endTime":1168.92,"body":"your business now comes the"},{"speaker":"MicKallyn Elis","startTime":1163.31,"endTime":1168.92,"body":"system now comes like where my"},{"speaker":"MicKallyn Elis","startTime":1168.92,"endTime":1174.32,"body":"solopreneurs that I coach your"},{"speaker":"MicKallyn Elis","startTime":1168.92,"endTime":1174.32,"body":"listeners are waiting for so"},{"speaker":"MicKallyn Elis","startTime":1174.65,"endTime":1180.47,"body":"this system, as I mentioned, the"},{"speaker":"MicKallyn Elis","startTime":1174.65,"endTime":1180.47,"body":"ultimate goal is to pay yourself"},{"speaker":"MicKallyn Elis","startTime":1180.89,"endTime":1184.28,"body":"like an employer is paying"},{"speaker":"MicKallyn Elis","startTime":1180.89,"endTime":1184.28,"body":"yourself okay, so their steps to"},{"speaker":"MicKallyn Elis","startTime":1184.28,"endTime":1191.0,"body":"do that. The first thing when"},{"speaker":"MicKallyn Elis","startTime":1184.28,"endTime":1191.0,"body":"putting your system together is"},{"speaker":"MicKallyn Elis","startTime":1192.02,"endTime":1197.18,"body":"I highly encourage that everyone"},{"speaker":"MicKallyn Elis","startTime":1192.02,"endTime":1197.18,"body":"has at least one personal"},{"speaker":"MicKallyn Elis","startTime":1197.18,"endTime":1202.79,"body":"checking account. One personal"},{"speaker":"MicKallyn Elis","startTime":1197.18,"endTime":1202.79,"body":"safe savings account, one"},{"speaker":"MicKallyn Elis","startTime":1202.88,"endTime":1208.07,"body":"business account when business"},{"speaker":"MicKallyn Elis","startTime":1202.88,"endTime":1208.07,"body":"savings accounts, okay? From"},{"speaker":"MicKallyn Elis","startTime":1208.07,"endTime":1212.84,"body":"there, we want all of the income"},{"speaker":"MicKallyn Elis","startTime":1208.07,"endTime":1212.84,"body":"that they make to be going into"},{"speaker":"MicKallyn Elis","startTime":1212.84,"endTime":1216.17,"body":"their business account we are we"},{"speaker":"MicKallyn Elis","startTime":1212.84,"endTime":1216.17,"body":"have to stop the commingling, we"},{"speaker":"MicKallyn Elis","startTime":1216.17,"endTime":1220.13,"body":"got to clean that up no more"},{"speaker":"MicKallyn Elis","startTime":1216.17,"endTime":1220.13,"body":"commingling any expenses that"},{"speaker":"MicKallyn Elis","startTime":1220.13,"endTime":1223.19,"body":"are in the business account that"},{"speaker":"MicKallyn Elis","startTime":1220.13,"endTime":1223.19,"body":"are really personal, like if"},{"speaker":"MicKallyn Elis","startTime":1223.19,"endTime":1227.39,"body":"they truly are, like, separate"},{"speaker":"MicKallyn Elis","startTime":1223.19,"endTime":1227.39,"body":"them out. So that's step number"},{"speaker":"MicKallyn Elis","startTime":1227.39,"endTime":1232.34,"body":"one, then it comes to the"},{"speaker":"MicKallyn Elis","startTime":1227.39,"endTime":1232.34,"body":"paycheck system. So we want to"},{"speaker":"MicKallyn Elis","startTime":1232.34,"endTime":1239.3,"body":"stop the madness of multiple"},{"speaker":"MicKallyn Elis","startTime":1232.34,"endTime":1239.3,"body":"transfers coming out of your"},{"speaker":"MicKallyn Elis","startTime":1239.3,"endTime":1243.71,"body":"purse, your business account to"},{"speaker":"MicKallyn Elis","startTime":1239.3,"endTime":1243.71,"body":"pay for your business, or excuse"},{"speaker":"MicKallyn Elis","startTime":1243.71,"endTime":1246.65,"body":"me, we want to like stop the"},{"speaker":"MicKallyn Elis","startTime":1243.71,"endTime":1246.65,"body":"transfers from your business"},{"speaker":"MicKallyn Elis","startTime":1246.65,"endTime":1250.46,"body":"account, going into your"},{"speaker":"MicKallyn Elis","startTime":1246.65,"endTime":1250.46,"body":"personal account, right, we want"},{"speaker":"MicKallyn Elis","startTime":1250.52,"endTime":1256.64,"body":"to just like a paycheck going in"},{"speaker":"MicKallyn Elis","startTime":1250.52,"endTime":1256.64,"body":"there. And with that brings"},{"speaker":"MicKallyn Elis","startTime":1256.7,"endTime":1262.34,"body":"competence, right? So I've never"},{"speaker":"MicKallyn Elis","startTime":1256.7,"endTime":1262.34,"body":"really met a client who feels in"},{"speaker":"MicKallyn Elis","startTime":1262.34,"endTime":1267.83,"body":"control of their money, when I"},{"speaker":"MicKallyn Elis","startTime":1262.34,"endTime":1267.83,"body":"see that they have 15 debits"},{"speaker":"MicKallyn Elis","startTime":1267.83,"endTime":1271.1,"body":"coming out of their business"},{"speaker":"MicKallyn Elis","startTime":1267.83,"endTime":1271.1,"body":"account moving over to their"},{"speaker":"MicKallyn Elis","startTime":1271.13,"endTime":1275.18,"body":"personal checking account to"},{"speaker":"MicKallyn Elis","startTime":1271.13,"endTime":1275.18,"body":"cover transactions, it's like"},{"speaker":"MicKallyn Elis","startTime":1275.18,"endTime":1280.82,"body":"they're consistently always,"},{"speaker":"MicKallyn Elis","startTime":1275.18,"endTime":1280.82,"body":"like on edge, always putting out"},{"speaker":"MicKallyn Elis","startTime":1281.06,"endTime":1284.09,"body":"little fires, they just simply"},{"speaker":"MicKallyn Elis","startTime":1281.06,"endTime":1284.09,"body":"don't feel like they have"},{"speaker":"MicKallyn Elis","startTime":1284.09,"endTime":1292.97,"body":"control. So once we know, your"},{"speaker":"MicKallyn Elis","startTime":1284.09,"endTime":1292.97,"body":"personal, what you need to make"},{"speaker":"MicKallyn Elis","startTime":1292.97,"endTime":1296.0,"body":"from a personal standpoint, and"},{"speaker":"MicKallyn Elis","startTime":1292.97,"endTime":1296.0,"body":"then the Step two was knowing"},{"speaker":"MicKallyn Elis","startTime":1296.0,"endTime":1299.99,"body":"your numbers, business numbers,"},{"speaker":"MicKallyn Elis","startTime":1296.0,"endTime":1299.99,"body":"we ultimately come up, what is"},{"speaker":"MicKallyn Elis","startTime":1299.99,"endTime":1303.44,"body":"this paycheck going to be like,"},{"speaker":"MicKallyn Elis","startTime":1299.99,"endTime":1303.44,"body":"and this paycheck should happen"},{"speaker":"MicKallyn Elis","startTime":1303.44,"endTime":1308.9,"body":"on the first or the 15th, or the"},{"speaker":"MicKallyn Elis","startTime":1303.44,"endTime":1308.9,"body":"15th to the 31st. And it happens"},{"speaker":"MicKallyn Elis","startTime":1308.96,"endTime":1313.4,"body":"automatically, no more manually"},{"speaker":"MicKallyn Elis","startTime":1308.96,"endTime":1313.4,"body":"doing it. You want to set up"},{"speaker":"MicKallyn Elis","startTime":1313.4,"endTime":1318.47,"body":"your systems. So the you know,"},{"speaker":"MicKallyn Elis","startTime":1313.4,"endTime":1318.47,"body":"the goal with understanding your"},{"speaker":"MicKallyn Elis","startTime":1318.47,"endTime":1321.56,"body":"money is that how do you make it"},{"speaker":"MicKallyn Elis","startTime":1318.47,"endTime":1321.56,"body":"easier, you're setting up the"},{"speaker":"MicKallyn Elis","startTime":1321.56,"endTime":1323.9,"body":"automations and the systems just"},{"speaker":"MicKallyn Elis","startTime":1321.56,"endTime":1323.9,"body":"like you do within your"},{"speaker":"MicKallyn Elis","startTime":1323.9,"endTime":1327.44,"body":"business. Now we're taking those"},{"speaker":"MicKallyn Elis","startTime":1323.9,"endTime":1327.44,"body":"same ideas and putting it into"},{"speaker":"MicKallyn Elis","startTime":1327.47,"endTime":1329.09,"body":"your personal finances."},{"speaker":"Annemie Tonken","startTime":1330.02,"endTime":1335.33,"body":"Nice. So you are"},{"speaker":"Annemie Tonken","startTime":1330.02,"endTime":1335.33,"body":"essentially paying yourself a"},{"speaker":"Annemie Tonken","startTime":1335.33,"endTime":1341.18,"body":"paycheck twice a month. And you"},{"speaker":"Annemie Tonken","startTime":1335.33,"endTime":1341.18,"body":"are I don't know how I mean, I'm"},{"speaker":"Annemie Tonken","startTime":1341.18,"endTime":1345.53,"body":"sure there's a ton to the way"},{"speaker":"Annemie Tonken","startTime":1341.18,"endTime":1345.53,"body":"that you advise people to, to do"},{"speaker":"Annemie Tonken","startTime":1345.53,"endTime":1349.37,"body":"that. But I think my big thing"},{"speaker":"Annemie Tonken","startTime":1345.53,"endTime":1349.37,"body":"is like that paycheck has to be"},{"speaker":"Annemie Tonken","startTime":1349.37,"endTime":1353.69,"body":"paid before I go thinking about"},{"speaker":"Annemie Tonken","startTime":1349.37,"endTime":1353.69,"body":"buying a new lens or any of that"},{"speaker":"Annemie Tonken","startTime":1353.69,"endTime":1357.77,"body":"sort of stuff. Because that, you"},{"speaker":"Annemie Tonken","startTime":1353.69,"endTime":1357.77,"body":"know, that's that's how I pay"},{"speaker":"Annemie Tonken","startTime":1357.77,"endTime":1363.08,"body":"myself. And yep, that part is"},{"speaker":"Annemie Tonken","startTime":1357.77,"endTime":1363.08,"body":"just as important as any other"},{"speaker":"Annemie Tonken","startTime":1363.08,"endTime":1366.5,"body":"expense in the business. But a"},{"speaker":"Annemie Tonken","startTime":1363.08,"endTime":1366.5,"body":"lot of solopreneurs a lot of"},{"speaker":"Annemie Tonken","startTime":1366.5,"endTime":1370.55,"body":"photographers that I know will"},{"speaker":"Annemie Tonken","startTime":1366.5,"endTime":1370.55,"body":"sort of not take money out of"},{"speaker":"Annemie Tonken","startTime":1370.55,"endTime":1372.74,"body":"their business, they'll reinvest"},{"speaker":"Annemie Tonken","startTime":1370.55,"endTime":1372.74,"body":"it in their business all the"},{"speaker":"Annemie Tonken","startTime":1372.74,"endTime":1376.28,"body":"time, which is it is a choice,"},{"speaker":"Annemie Tonken","startTime":1372.74,"endTime":1376.28,"body":"that is a fine choice. But I"},{"speaker":"Annemie Tonken","startTime":1376.28,"endTime":1380.12,"body":"think it is important to earmark"},{"speaker":"Annemie Tonken","startTime":1376.28,"endTime":1380.12,"body":"that money as like, Okay, fine."},{"speaker":"Annemie Tonken","startTime":1380.33,"endTime":1385.25,"body":"You're making that choice from"},{"speaker":"Annemie Tonken","startTime":1380.33,"endTime":1385.25,"body":"your personal. Yeah, you know,"},{"speaker":"Annemie Tonken","startTime":1385.28,"endTime":1388.82,"body":"because you have that room in"},{"speaker":"Annemie Tonken","startTime":1385.28,"endTime":1388.82,"body":"your personal life, but I think"},{"speaker":"Annemie Tonken","startTime":1388.82,"endTime":1389.33,"body":"it's good."},{"speaker":"MicKallyn Elis","startTime":1389.69,"endTime":1392.93,"body":"Yeah. And yeah,"},{"speaker":"MicKallyn Elis","startTime":1389.69,"endTime":1392.93,"body":"and I think, you know, that"},{"speaker":"MicKallyn Elis","startTime":1392.93,"endTime":1396.95,"body":"dollar amount is different for"},{"speaker":"MicKallyn Elis","startTime":1392.93,"endTime":1396.95,"body":"for everyone. But I still think"},{"speaker":"MicKallyn Elis","startTime":1397.01,"endTime":1402.44,"body":"the idea of the structure of a"},{"speaker":"MicKallyn Elis","startTime":1397.01,"endTime":1402.44,"body":"consistent dollar coming out two"},{"speaker":"MicKallyn Elis","startTime":1402.44,"endTime":1405.74,"body":"times a month, regardless of"},{"speaker":"MicKallyn Elis","startTime":1402.44,"endTime":1405.74,"body":"what the purpose or what it is"},{"speaker":"MicKallyn Elis","startTime":1405.74,"endTime":1411.83,"body":"covering is so important. One"},{"speaker":"MicKallyn Elis","startTime":1405.74,"endTime":1411.83,"body":"thing that to remember when it"},{"speaker":"MicKallyn Elis","startTime":1411.83,"endTime":1417.38,"body":"comes to personal finances is"},{"speaker":"MicKallyn Elis","startTime":1411.83,"endTime":1417.38,"body":"personal finances is actually"},{"speaker":"MicKallyn Elis","startTime":1417.44,"endTime":1424.16,"body":"80% Psychology, right? It is the"},{"speaker":"MicKallyn Elis","startTime":1417.44,"endTime":1424.16,"body":"mindset, it is how we think of"},{"speaker":"MicKallyn Elis","startTime":1424.16,"endTime":1432.8,"body":"it, how we view it. And it's 20%"},{"speaker":"MicKallyn Elis","startTime":1424.16,"endTime":1432.8,"body":"the actual math behind it. And"},{"speaker":"MicKallyn Elis","startTime":1432.8,"endTime":1437.27,"body":"so why with like clients, and"},{"speaker":"MicKallyn Elis","startTime":1432.8,"endTime":1437.27,"body":"here I'm like, continuing to say"},{"speaker":"MicKallyn Elis","startTime":1437.27,"endTime":1441.62,"body":"it is about the system is"},{"speaker":"MicKallyn Elis","startTime":1437.27,"endTime":1441.62,"body":"because you are addressing the"},{"speaker":"MicKallyn Elis","startTime":1441.62,"endTime":1447.59,"body":"psychology part of money by"},{"speaker":"MicKallyn Elis","startTime":1441.62,"endTime":1447.59,"body":"knowing your numbers, having the"},{"speaker":"MicKallyn Elis","startTime":1447.59,"endTime":1452.3,"body":"system in place, regardless of"},{"speaker":"MicKallyn Elis","startTime":1447.59,"endTime":1452.3,"body":"you know, what it is covering or"},{"speaker":"MicKallyn Elis","startTime":1452.3,"endTime":1455.39,"body":"how much you are paying"},{"speaker":"MicKallyn Elis","startTime":1452.3,"endTime":1455.39,"body":"yourself, right know what the"},{"speaker":"MicKallyn Elis","startTime":1455.39,"endTime":1456.77,"body":"money is for."},{"speaker":"Annemie Tonken","startTime":1456.92,"endTime":1460.91,"body":"Okay, so you set"},{"speaker":"Annemie Tonken","startTime":1456.92,"endTime":1460.91,"body":"up that transfer. Yep. And then"},{"speaker":"Annemie Tonken","startTime":1460.94,"endTime":1461.78,"body":"after that."},{"speaker":"MicKallyn Elis","startTime":1463.22,"endTime":1467.42,"body":"Yep. So to take"},{"speaker":"MicKallyn Elis","startTime":1463.22,"endTime":1467.42,"body":"it a step further. This is"},{"speaker":"MicKallyn Elis","startTime":1467.42,"endTime":1472.1,"body":"actually one of my clients"},{"speaker":"MicKallyn Elis","startTime":1467.42,"endTime":1472.1,"body":"favorite strategies that we put"},{"speaker":"MicKallyn Elis","startTime":1472.1,"endTime":1476.72,"body":"in place both personally and for"},{"speaker":"MicKallyn Elis","startTime":1472.1,"endTime":1476.72,"body":"their business is called savings"},{"speaker":"MicKallyn Elis","startTime":1476.72,"endTime":1481.97,"body":"buckets. Savings buckets are one"},{"speaker":"MicKallyn Elis","startTime":1476.72,"endTime":1481.97,"body":"of my favorite things to talk"},{"speaker":"MicKallyn Elis","startTime":1481.97,"endTime":1485.87,"body":"about. Because again, it it kind"},{"speaker":"MicKallyn Elis","startTime":1481.97,"endTime":1485.87,"body":"of addresses the oshit moments"},{"speaker":"MicKallyn Elis","startTime":1485.9,"endTime":1491.72,"body":"in life that we all encounter,"},{"speaker":"MicKallyn Elis","startTime":1485.9,"endTime":1491.72,"body":"but it can be for unexpected or"},{"speaker":"MicKallyn Elis","startTime":1491.72,"endTime":1496.61,"body":"expected expenses. So savings"},{"speaker":"MicKallyn Elis","startTime":1491.72,"endTime":1496.61,"body":"buckets. The idea is just like"},{"speaker":"MicKallyn Elis","startTime":1496.61,"endTime":1500.33,"body":"that paycheck. We want to fund"},{"speaker":"MicKallyn Elis","startTime":1496.61,"endTime":1500.33,"body":"that the savings account"},{"speaker":"MicKallyn Elis","startTime":1500.93,"endTime":1504.62,"body":"consistently, you know, two"},{"speaker":"MicKallyn Elis","startTime":1500.93,"endTime":1504.62,"body":"times a month, what these"},{"speaker":"MicKallyn Elis","startTime":1504.62,"endTime":1509.15,"body":"savings buckets are for, or what"},{"speaker":"MicKallyn Elis","startTime":1504.62,"endTime":1509.15,"body":"they look like, is let's tack on"},{"speaker":"MicKallyn Elis","startTime":1509.15,"endTime":1513.74,"body":"a personal standpoint, we have a"},{"speaker":"MicKallyn Elis","startTime":1509.15,"endTime":1513.74,"body":"savings account that allows us"},{"speaker":"MicKallyn Elis","startTime":1513.74,"endTime":1517.7,"body":"to have virtual buckets"},{"speaker":"MicKallyn Elis","startTime":1513.74,"endTime":1517.7,"body":"underneath it. They're also"},{"speaker":"MicKallyn Elis","startTime":1517.7,"endTime":1520.76,"body":"called sinking funds if you've"},{"speaker":"MicKallyn Elis","startTime":1517.7,"endTime":1520.76,"body":"heard that terminology, but"},{"speaker":"MicKallyn Elis","startTime":1521.6,"endTime":1527.03,"body":"ideally, a financial institution"},{"speaker":"MicKallyn Elis","startTime":1521.6,"endTime":1527.03,"body":"called Ally Bank, a ll. Vi, it"},{"speaker":"MicKallyn Elis","startTime":1527.03,"endTime":1532.55,"body":"does an awesome job at allowing"},{"speaker":"MicKallyn Elis","startTime":1527.03,"endTime":1532.55,"body":"us to do this is opening up one"},{"speaker":"MicKallyn Elis","startTime":1532.55,"endTime":1535.97,"body":"savings account, and having"},{"speaker":"MicKallyn Elis","startTime":1532.55,"endTime":1535.97,"body":"virtual buckets that you"},{"speaker":"MicKallyn Elis","startTime":1536.0,"endTime":1541.28,"body":"nickname. And you were"},{"speaker":"MicKallyn Elis","startTime":1536.0,"endTime":1541.28,"body":"consistently putting money into"},{"speaker":"MicKallyn Elis","startTime":1541.28,"endTime":1547.79,"body":"these virtual buckets. So you"},{"speaker":"MicKallyn Elis","startTime":1541.28,"endTime":1547.79,"body":"were always putting $200 towards"},{"speaker":"MicKallyn Elis","startTime":1547.79,"endTime":1552.38,"body":"a vacation bucket, you are"},{"speaker":"MicKallyn Elis","startTime":1547.79,"endTime":1552.38,"body":"always putting $100 towards your"},{"speaker":"MicKallyn Elis","startTime":1552.38,"endTime":1557.3,"body":"personal grooming bucket, you"},{"speaker":"MicKallyn Elis","startTime":1552.38,"endTime":1557.3,"body":"are always putting $100 towards"},{"speaker":"MicKallyn Elis","startTime":1557.45,"endTime":1562.67,"body":"auto expenses. So when life's"},{"speaker":"MicKallyn Elis","startTime":1557.45,"endTime":1562.67,"body":"moments happen, expected or"},{"speaker":"MicKallyn Elis","startTime":1562.73,"endTime":1567.26,"body":"unexpected, we are not trying to"},{"speaker":"MicKallyn Elis","startTime":1562.73,"endTime":1567.26,"body":"be like, Oh, well, my paycheck"},{"speaker":"MicKallyn Elis","startTime":1567.26,"endTime":1571.61,"body":"doesn't like cover this anymore."},{"speaker":"MicKallyn Elis","startTime":1567.26,"endTime":1571.61,"body":"You have this buffer. It's"},{"speaker":"MicKallyn Elis","startTime":1571.67,"endTime":1576.89,"body":"incredibly powerful. So now we"},{"speaker":"MicKallyn Elis","startTime":1571.67,"endTime":1576.89,"body":"like bring this into business."},{"speaker":"MicKallyn Elis","startTime":1577.07,"endTime":1581.51,"body":"We have one savings account that"},{"speaker":"MicKallyn Elis","startTime":1577.07,"endTime":1581.51,"body":"has buckets, the buckets could"},{"speaker":"MicKallyn Elis","startTime":1581.54,"endTime":1586.16,"body":"be taxes. But that should"},{"speaker":"MicKallyn Elis","startTime":1581.54,"endTime":1586.16,"body":"definitely be happening where"},{"speaker":"MicKallyn Elis","startTime":1586.16,"endTime":1590.15,"body":"you're allocating money towards."},{"speaker":"MicKallyn Elis","startTime":1586.16,"endTime":1590.15,"body":"Yep, every single paycheck."},{"speaker":"MicKallyn Elis","startTime":1590.57,"endTime":1595.04,"body":"There's a percentage going into"},{"speaker":"MicKallyn Elis","startTime":1590.57,"endTime":1595.04,"body":"that tax bucket. Retirement,"},{"speaker":"MicKallyn Elis","startTime":1595.31,"endTime":1600.02,"body":"right? Like we are every"},{"speaker":"MicKallyn Elis","startTime":1595.31,"endTime":1600.02,"body":"paycheck, putting money into a"},{"speaker":"MicKallyn Elis","startTime":1600.02,"endTime":1605.18,"body":"retirement bucket if we aren't"},{"speaker":"MicKallyn Elis","startTime":1600.02,"endTime":1605.18,"body":"sure exactly where it's going at"},{"speaker":"MicKallyn Elis","startTime":1605.18,"endTime":1608.21,"body":"the moment, or we're doing it at"},{"speaker":"MicKallyn Elis","startTime":1605.18,"endTime":1608.21,"body":"the end of the year, for many"},{"speaker":"MicKallyn Elis","startTime":1608.21,"endTime":1611.99,"body":"different reasons. Another one,"},{"speaker":"MicKallyn Elis","startTime":1608.21,"endTime":1611.99,"body":"like you mentioned, lenses,"},{"speaker":"MicKallyn Elis","startTime":1612.02,"endTime":1617.21,"body":"right? The equipment's? Well,"},{"speaker":"MicKallyn Elis","startTime":1612.02,"endTime":1617.21,"body":"what if every paycheck, you put"},{"speaker":"MicKallyn Elis","startTime":1617.21,"endTime":1621.77,"body":"a percentage of like what you"},{"speaker":"MicKallyn Elis","startTime":1617.21,"endTime":1621.77,"body":"made either for the month, or"},{"speaker":"MicKallyn Elis","startTime":1621.77,"endTime":1629.66,"body":"just a annual like 5% 10% 15%"},{"speaker":"MicKallyn Elis","startTime":1621.77,"endTime":1629.66,"body":"towards equipments. What if"},{"speaker":"MicKallyn Elis","startTime":1629.66,"endTime":1633.92,"body":"there was a bucket for PTO,"},{"speaker":"MicKallyn Elis","startTime":1629.66,"endTime":1633.92,"body":"right, we don't get paid. I like"},{"speaker":"MicKallyn Elis","startTime":1633.92,"endTime":1639.17,"body":"a lot of my solopreneurs are"},{"speaker":"MicKallyn Elis","startTime":1633.92,"endTime":1639.17,"body":"women in the service industry."},{"speaker":"MicKallyn Elis","startTime":1639.2,"endTime":1644.51,"body":"So we are exchanging our time."},{"speaker":"MicKallyn Elis","startTime":1639.2,"endTime":1644.51,"body":"And oftentimes our time for"},{"speaker":"MicKallyn Elis","startTime":1644.51,"endTime":1647.63,"body":"money? Well, when we are on"},{"speaker":"MicKallyn Elis","startTime":1644.51,"endTime":1647.63,"body":"vacation, we aren't making"},{"speaker":"MicKallyn Elis","startTime":1647.63,"endTime":1652.25,"body":"anything. So we have a bucket"},{"speaker":"MicKallyn Elis","startTime":1647.63,"endTime":1652.25,"body":"for PTO time. So you can, you"},{"speaker":"MicKallyn Elis","startTime":1652.25,"endTime":1658.49,"body":"can continue to pay yourself"},{"speaker":"MicKallyn Elis","startTime":1652.25,"endTime":1658.49,"body":"that consistent paycheck and not"},{"speaker":"MicKallyn Elis","startTime":1658.52,"endTime":1664.55,"body":"feel guilty about taking time"},{"speaker":"MicKallyn Elis","startTime":1658.52,"endTime":1664.55,"body":"off, right. Another buckets"},{"speaker":"MicKallyn Elis","startTime":1665.3,"endTime":1674.36,"body":"could be marketing or education"},{"speaker":"MicKallyn Elis","startTime":1665.3,"endTime":1674.36,"body":"or courses. So that is how I"},{"speaker":"MicKallyn Elis","startTime":1674.39,"endTime":1678.56,"body":"coach on using savings buckets,"},{"speaker":"MicKallyn Elis","startTime":1674.39,"endTime":1678.56,"body":"both personally and from a"},{"speaker":"MicKallyn Elis","startTime":1678.56,"endTime":1680.27,"body":"solopreneur standpoint,"},{"speaker":"Annemie Tonken","startTime":1680.45,"endTime":1682.49,"body":"one of the"},{"speaker":"Annemie Tonken","startTime":1680.45,"endTime":1682.49,"body":"things that I love most about"},{"speaker":"Annemie Tonken","startTime":1682.64,"endTime":1686.69,"body":"photographers, but that gets us"},{"speaker":"Annemie Tonken","startTime":1682.64,"endTime":1686.69,"body":"into trouble is the fact that"},{"speaker":"Annemie Tonken","startTime":1686.69,"endTime":1691.28,"body":"many of us become business"},{"speaker":"Annemie Tonken","startTime":1686.69,"endTime":1691.28,"body":"owners with a lot of art"},{"speaker":"Annemie Tonken","startTime":1691.28,"endTime":1696.29,"body":"education, but like very little"},{"speaker":"Annemie Tonken","startTime":1691.28,"endTime":1696.29,"body":"often business experience. And"},{"speaker":"Annemie Tonken","startTime":1696.29,"endTime":1701.39,"body":"so a lot of people and again,"},{"speaker":"Annemie Tonken","startTime":1696.29,"endTime":1701.39,"body":"myself included, once upon a"},{"speaker":"Annemie Tonken","startTime":1701.39,"endTime":1707.78,"body":"time are reactive spenders in"},{"speaker":"Annemie Tonken","startTime":1701.39,"endTime":1707.78,"body":"their businesses. And so"},{"speaker":"Annemie Tonken","startTime":1707.81,"endTime":1712.16,"body":"reaction can be to some sort of"},{"speaker":"Annemie Tonken","startTime":1707.81,"endTime":1712.16,"body":"like, problem that comes up like"},{"speaker":"Annemie Tonken","startTime":1712.19,"endTime":1715.97,"body":"I dropped my camera and I have a"},{"speaker":"Annemie Tonken","startTime":1712.19,"endTime":1715.97,"body":"big repair bill. But it can also"},{"speaker":"Annemie Tonken","startTime":1715.97,"endTime":1719.36,"body":"be reacting to something like an"},{"speaker":"Annemie Tonken","startTime":1715.97,"endTime":1719.36,"body":"ad that they saw. And they ended"},{"speaker":"Annemie Tonken","startTime":1719.36,"endTime":1722.45,"body":"up you know, buying something,"},{"speaker":"Annemie Tonken","startTime":1719.36,"endTime":1722.45,"body":"because it was like bright,"},{"speaker":"Annemie Tonken","startTime":1722.45,"endTime":1727.7,"body":"shiny object syndrome. And we"},{"speaker":"Annemie Tonken","startTime":1722.45,"endTime":1727.7,"body":"are all we all do that from time"},{"speaker":"Annemie Tonken","startTime":1727.7,"endTime":1729.83,"body":"to time. Sometimes those are"},{"speaker":"Annemie Tonken","startTime":1727.7,"endTime":1729.83,"body":"good things. Sometimes they're"},{"speaker":"Annemie Tonken","startTime":1729.83,"endTime":1735.02,"body":"not but but if you are proactive"},{"speaker":"Annemie Tonken","startTime":1729.83,"endTime":1735.02,"body":"about your budgeting, and you're"},{"speaker":"Annemie Tonken","startTime":1735.02,"endTime":1737.09,"body":"planning, if you say at the"},{"speaker":"Annemie Tonken","startTime":1735.02,"endTime":1737.09,"body":"beginning of the year, when"},{"speaker":"Annemie Tonken","startTime":1737.09,"endTime":1741.44,"body":"you're not looking at some ad on"},{"speaker":"Annemie Tonken","startTime":1737.09,"endTime":1741.44,"body":"Instagram or whatever, I'm going"},{"speaker":"Annemie Tonken","startTime":1741.44,"endTime":1745.22,"body":"to allocate 10% of my income"},{"speaker":"Annemie Tonken","startTime":1741.44,"endTime":1745.22,"body":"this year is going to go to"},{"speaker":"Annemie Tonken","startTime":1745.34,"endTime":1748.94,"body":"marketing, and I'm pulling"},{"speaker":"Annemie Tonken","startTime":1745.34,"endTime":1748.94,"body":"numbers up. I mean, that's"},{"speaker":"Annemie Tonken","startTime":1748.97,"endTime":1751.94,"body":"totally not. I'm not trying to"},{"speaker":"Annemie Tonken","startTime":1748.97,"endTime":1751.94,"body":"make recommendations on that."},{"speaker":"Annemie Tonken","startTime":1751.94,"endTime":1755.27,"body":"But basically, if you're pulling"},{"speaker":"Annemie Tonken","startTime":1751.94,"endTime":1755.27,"body":"that from a clear headed place,"},{"speaker":"Annemie Tonken","startTime":1755.75,"endTime":1758.81,"body":"then when you do have that ad"},{"speaker":"Annemie Tonken","startTime":1755.75,"endTime":1758.81,"body":"that pops up and you're like,"},{"speaker":"Annemie Tonken","startTime":1758.84,"endTime":1761.42,"body":"Oh, I think this is going to be"},{"speaker":"Annemie Tonken","startTime":1758.84,"endTime":1761.42,"body":"a really fun thing to buy. Then"},{"speaker":"Annemie Tonken","startTime":1761.42,"endTime":1765.2,"body":"you go like check your budget,"},{"speaker":"Annemie Tonken","startTime":1761.42,"endTime":1765.2,"body":"your bucket, as it were. And you"},{"speaker":"Annemie Tonken","startTime":1765.2,"endTime":1768.68,"body":"say like, oh yeah, I can't"},{"speaker":"Annemie Tonken","startTime":1765.2,"endTime":1768.68,"body":"afford this right now. And so"},{"speaker":"Annemie Tonken","startTime":1768.68,"endTime":1772.58,"body":"you make that decision, even"},{"speaker":"Annemie Tonken","startTime":1768.68,"endTime":1772.58,"body":"though it's reactive in the"},{"speaker":"Annemie Tonken","startTime":1772.58,"endTime":1776.63,"body":"moment a little bit. You have"},{"speaker":"Annemie Tonken","startTime":1772.58,"endTime":1776.63,"body":"proactively accommodated for"},{"speaker":"Annemie Tonken","startTime":1776.63,"endTime":1781.22,"body":"that in the overall budget. And"},{"speaker":"Annemie Tonken","startTime":1776.63,"endTime":1781.22,"body":"that for me was really that aha"},{"speaker":"Annemie Tonken","startTime":1781.22,"endTime":1784.94,"body":"moment was like, Oh, I can"},{"speaker":"Annemie Tonken","startTime":1781.22,"endTime":1784.94,"body":"actually do this and stick to it"},{"speaker":"Annemie Tonken","startTime":1784.94,"endTime":1789.38,"body":"if I'm if I'm putting those"},{"speaker":"Annemie Tonken","startTime":1784.94,"endTime":1789.38,"body":"systems in place. So that's"},{"speaker":"Annemie Tonken","startTime":1789.38,"endTime":1789.83,"body":"awesome."},{"speaker":"MicKallyn Elis","startTime":1790.73,"endTime":1794.84,"body":"Yes, and for"},{"speaker":"MicKallyn Elis","startTime":1790.73,"endTime":1794.84,"body":"those who don't do well with"},{"speaker":"MicKallyn Elis","startTime":1794.84,"endTime":1799.49,"body":"purchase pauses, as I call it,"},{"speaker":"MicKallyn Elis","startTime":1794.84,"endTime":1799.49,"body":"and they get excited about stuff"},{"speaker":"MicKallyn Elis","startTime":1799.49,"endTime":1802.49,"body":"and they just kind of react on"},{"speaker":"MicKallyn Elis","startTime":1799.49,"endTime":1802.49,"body":"stuff when you go in when you"},{"speaker":"MicKallyn Elis","startTime":1802.49,"endTime":1806.87,"body":"have the system in place. It can"},{"speaker":"MicKallyn Elis","startTime":1802.49,"endTime":1806.87,"body":"also be like, Oh, wait, I don't"},{"speaker":"MicKallyn Elis","startTime":1806.9,"endTime":1812.18,"body":"have the funds yet. And but next"},{"speaker":"MicKallyn Elis","startTime":1806.9,"endTime":1812.18,"body":"month I will or next paycheck I"},{"speaker":"MicKallyn Elis","startTime":1812.18,"endTime":1815.63,"body":"will. And then what's"},{"speaker":"MicKallyn Elis","startTime":1812.18,"endTime":1815.63,"body":"fascinating both personally and"},{"speaker":"MicKallyn Elis","startTime":1815.63,"endTime":1820.1,"body":"business, right, is you come"},{"speaker":"MicKallyn Elis","startTime":1815.63,"endTime":1820.1,"body":"back and 15 days from now. And"},{"speaker":"MicKallyn Elis","startTime":1820.1,"endTime":1822.62,"body":"then you go like, Okay, I have"},{"speaker":"MicKallyn Elis","startTime":1820.1,"endTime":1822.62,"body":"the money, and then you go,"},{"speaker":"MicKallyn Elis","startTime":1823.25,"endTime":1827.3,"body":"Wait, this isn't really as"},{"speaker":"MicKallyn Elis","startTime":1823.25,"endTime":1827.3,"body":"exciting as I thought it was"},{"speaker":"MicKallyn Elis","startTime":1827.3,"endTime":1830.39,"body":"right, right. Like, I'm no"},{"speaker":"MicKallyn Elis","startTime":1827.3,"endTime":1830.39,"body":"longer excited for this"},{"speaker":"MicKallyn Elis","startTime":1830.39,"endTime":1834.11,"body":"purchase. So it also kind of"},{"speaker":"MicKallyn Elis","startTime":1830.39,"endTime":1834.11,"body":"gives you like those those"},{"speaker":"MicKallyn Elis","startTime":1834.11,"endTime":1836.96,"body":"guardrails of like, can I afford"},{"speaker":"MicKallyn Elis","startTime":1834.11,"endTime":1836.96,"body":"it? Can I not afford it?"},{"speaker":"MicKallyn Elis","startTime":1836.96,"endTime":1841.64,"body":"Sometimes it makes you pause on"},{"speaker":"MicKallyn Elis","startTime":1836.96,"endTime":1841.64,"body":"the transaction, I loved that"},{"speaker":"MicKallyn Elis","startTime":1841.64,"endTime":1844.94,"body":"you use the words proactive and"},{"speaker":"MicKallyn Elis","startTime":1841.64,"endTime":1844.94,"body":"reactive, because that is a lot"},{"speaker":"MicKallyn Elis","startTime":1844.97,"endTime":1848.63,"body":"about what financial coaching is"},{"speaker":"MicKallyn Elis","startTime":1844.97,"endTime":1848.63,"body":"all about with understanding the"},{"speaker":"MicKallyn Elis","startTime":1848.63,"endTime":1850.31,"body":"emotions behind spending."},{"speaker":"Annemie Tonken","startTime":1850.7,"endTime":1855.11,"body":"I am currently"},{"speaker":"Annemie Tonken","startTime":1850.7,"endTime":1855.11,"body":"teaching for an online, like an"},{"speaker":"Annemie Tonken","startTime":1855.11,"endTime":1856.85,"body":"online conference kind of a"},{"speaker":"Annemie Tonken","startTime":1855.11,"endTime":1856.85,"body":"thing. And one of my"},{"speaker":"Annemie Tonken","startTime":1856.85,"endTime":1859.94,"body":"responsibilities as a teacher is"},{"speaker":"Annemie Tonken","startTime":1856.85,"endTime":1859.94,"body":"to be available for questions."},{"speaker":"Annemie Tonken","startTime":1859.94,"endTime":1862.49,"body":"And this woman asked a question"},{"speaker":"Annemie Tonken","startTime":1859.94,"endTime":1862.49,"body":"the other day, I guess she's"},{"speaker":"Annemie Tonken","startTime":1862.49,"endTime":1866.03,"body":"sort of a new photographer, or"},{"speaker":"Annemie Tonken","startTime":1862.49,"endTime":1866.03,"body":"she's just setting up her"},{"speaker":"Annemie Tonken","startTime":1866.03,"endTime":1869.36,"body":"business. And she in the"},{"speaker":"Annemie Tonken","startTime":1866.03,"endTime":1869.36,"body":"Facebook group was like, I don't"},{"speaker":"Annemie Tonken","startTime":1869.36,"endTime":1873.65,"body":"know if this is this question is"},{"speaker":"Annemie Tonken","startTime":1869.36,"endTime":1873.65,"body":"allowed. But um, and I feel kind"},{"speaker":"Annemie Tonken","startTime":1873.65,"endTime":1877.46,"body":"of weird asking this, but I am"},{"speaker":"Annemie Tonken","startTime":1873.65,"endTime":1877.46,"body":"just wondering, I'm, you know, I"},{"speaker":"Annemie Tonken","startTime":1877.46,"endTime":1880.7,"body":"have all these things I need to,"},{"speaker":"Annemie Tonken","startTime":1877.46,"endTime":1880.7,"body":"I feel like I need to spend"},{"speaker":"Annemie Tonken","startTime":1880.7,"endTime":1884.6,"body":"money on for my business. But I"},{"speaker":"Annemie Tonken","startTime":1880.7,"endTime":1884.6,"body":"don't want to, you know, I'm"},{"speaker":"Annemie Tonken","startTime":1884.6,"endTime":1887.15,"body":"worried that if my business"},{"speaker":"Annemie Tonken","startTime":1884.6,"endTime":1887.15,"body":"fails, it's going to, you know,"},{"speaker":"Annemie Tonken","startTime":1887.15,"endTime":1890.0,"body":"hurt my family that I will have"},{"speaker":"Annemie Tonken","startTime":1887.15,"endTime":1890.0,"body":"spent all this money do most"},{"speaker":"Annemie Tonken","startTime":1890.0,"endTime":1894.29,"body":"photographers spent, you know,"},{"speaker":"Annemie Tonken","startTime":1890.0,"endTime":1894.29,"body":"take out loans to start their"},{"speaker":"Annemie Tonken","startTime":1894.29,"endTime":1899.27,"body":"businesses? Or are they sort of"},{"speaker":"Annemie Tonken","startTime":1894.29,"endTime":1899.27,"body":"bootstrapping it as they go? Can"},{"speaker":"Annemie Tonken","startTime":1899.27,"endTime":1902.3,"body":"you give me any sense as to what"},{"speaker":"Annemie Tonken","startTime":1899.27,"endTime":1902.3,"body":"the right amount is to spend at"},{"speaker":"Annemie Tonken","startTime":1902.3,"endTime":1906.95,"body":"the beginning? And, and I"},{"speaker":"Annemie Tonken","startTime":1902.3,"endTime":1906.95,"body":"responded, and I was like, I'm"},{"speaker":"Annemie Tonken","startTime":1906.95,"endTime":1909.98,"body":"just so grateful that you asked"},{"speaker":"Annemie Tonken","startTime":1906.95,"endTime":1909.98,"body":"this question, because this is"},{"speaker":"Annemie Tonken","startTime":1910.34,"endTime":1916.28,"body":"just in general, I feel like in"},{"speaker":"Annemie Tonken","startTime":1910.34,"endTime":1916.28,"body":"lots of artistic communities,"},{"speaker":"Annemie Tonken","startTime":1916.64,"endTime":1919.49,"body":"it's like this dirty little"},{"speaker":"Annemie Tonken","startTime":1916.64,"endTime":1919.49,"body":"secret. Like, we don't talk"},{"speaker":"Annemie Tonken","startTime":1919.49,"endTime":1921.86,"body":"about money, we don't talk about"},{"speaker":"Annemie Tonken","startTime":1919.49,"endTime":1921.86,"body":"how much money we make, we don't"},{"speaker":"Annemie Tonken","startTime":1921.86,"endTime":1925.73,"body":"talk about how we make it or you"},{"speaker":"Annemie Tonken","startTime":1921.86,"endTime":1925.73,"body":"know, whatever. And bad things"},{"speaker":"Annemie Tonken","startTime":1925.73,"endTime":1929.39,"body":"grow in the dark, like you, you"},{"speaker":"Annemie Tonken","startTime":1925.73,"endTime":1929.39,"body":"should shine some light on these"},{"speaker":"Annemie Tonken","startTime":1929.39,"endTime":1932.45,"body":"things. So I really appreciate"},{"speaker":"Annemie Tonken","startTime":1929.39,"endTime":1932.45,"body":"you taking the time to come and"},{"speaker":"Annemie Tonken","startTime":1933.02,"endTime":1937.22,"body":"shed some light on this somewhat"},{"speaker":"Annemie Tonken","startTime":1933.02,"endTime":1937.22,"body":"tricky subject for a lot of"},{"speaker":"Annemie Tonken","startTime":1937.22,"endTime":1940.94,"body":"people, tell everybody where"},{"speaker":"Annemie Tonken","startTime":1937.22,"endTime":1940.94,"body":"they can connect with you, I"},{"speaker":"Annemie Tonken","startTime":1940.94,"endTime":1944.0,"body":"know you've got this freebie for"},{"speaker":"Annemie Tonken","startTime":1940.94,"endTime":1944.0,"body":"my listeners that I'm going to"},{"speaker":"Annemie Tonken","startTime":1944.0,"endTime":1949.4,"body":"put in the shownotes. So that's"},{"speaker":"Annemie Tonken","startTime":1944.0,"endTime":1949.4,"body":"going to be awesome. But But"},{"speaker":"Annemie Tonken","startTime":1949.4,"endTime":1950.27,"body":"where can they find you,"},{"speaker":"MicKallyn Elis","startTime":1950.36,"endTime":1952.76,"body":"if you want to"},{"speaker":"MicKallyn Elis","startTime":1950.36,"endTime":1952.76,"body":"join me in regards to the"},{"speaker":"MicKallyn Elis","startTime":1952.79,"endTime":1958.01,"body":"newsletter that I send out that"},{"speaker":"MicKallyn Elis","startTime":1952.79,"endTime":1958.01,"body":"has actionable steps to take"},{"speaker":"MicKallyn Elis","startTime":1958.04,"endTime":1964.43,"body":"each month in order to gain"},{"speaker":"MicKallyn Elis","startTime":1958.04,"endTime":1964.43,"body":"confidence around your finances,"},{"speaker":"MicKallyn Elis","startTime":1964.76,"endTime":1970.55,"body":"you can go and join at"},{"speaker":"MicKallyn Elis","startTime":1964.76,"endTime":1970.55,"body":"thecashcoachpro.com and A pop up"},{"speaker":"MicKallyn Elis","startTime":1970.55,"endTime":1974.51,"body":"will come up and come and join"},{"speaker":"MicKallyn Elis","startTime":1970.55,"endTime":1974.51,"body":"me or you can join me on"},{"speaker":"MicKallyn Elis","startTime":1974.54,"endTime":1978.38,"body":"Instagram. And I will, we can"},{"speaker":"MicKallyn Elis","startTime":1974.54,"endTime":1978.38,"body":"also attach that if you'd like."},{"speaker":"MicKallyn Elis","startTime":1978.38,"endTime":1982.64,"body":"But yeah, @thecatchcoachpro at"},{"speaker":"MicKallyn Elis","startTime":1978.38,"endTime":1982.64,"body":"Instagram, which is a fun page"},{"speaker":"MicKallyn Elis","startTime":1982.64,"endTime":1983.69,"body":"to come and join with"},{"speaker":"Annemie Tonken","startTime":1984.02,"endTime":1986.93,"body":"excellent, you"},{"speaker":"Annemie Tonken","startTime":1984.02,"endTime":1986.93,"body":"know, five or six years later,"},{"speaker":"Annemie Tonken","startTime":1987.2,"endTime":1990.83,"body":"this was such a painful subject"},{"speaker":"Annemie Tonken","startTime":1987.2,"endTime":1990.83,"body":"for me at that time. But now"},{"speaker":"Annemie Tonken","startTime":1990.83,"endTime":1993.92,"body":"it's actually something that I"},{"speaker":"Annemie Tonken","startTime":1990.83,"endTime":1993.92,"body":"really enjoy talking about and"},{"speaker":"Annemie Tonken","startTime":1993.92,"endTime":1997.28,"body":"thinking about because of that"},{"speaker":"Annemie Tonken","startTime":1993.92,"endTime":1997.28,"body":"whole knowledge is power thing."},{"speaker":"Annemie Tonken","startTime":1997.31,"endTime":1999.71,"body":"You know, even if you're still"},{"speaker":"Annemie Tonken","startTime":1997.31,"endTime":1999.71,"body":"in progress, even if your"},{"speaker":"Annemie Tonken","startTime":1999.71,"endTime":2003.67,"body":"business is small and growing,"},{"speaker":"Annemie Tonken","startTime":1999.71,"endTime":2003.67,"body":"having those clear goals and"},{"speaker":"Annemie Tonken","startTime":2003.67,"endTime":2006.16,"body":"understanding what it's going to"},{"speaker":"Annemie Tonken","startTime":2003.67,"endTime":2006.16,"body":"take to get from where you are"},{"speaker":"Annemie Tonken","startTime":2006.16,"endTime":2010.24,"body":"to where you're headed. It's"},{"speaker":"Annemie Tonken","startTime":2006.16,"endTime":2010.24,"body":"like having a map so much more"},{"speaker":"Annemie Tonken","startTime":2010.27,"endTime":2013.96,"body":"it is so much more confidence"},{"speaker":"Annemie Tonken","startTime":2010.27,"endTime":2013.96,"body":"than just trying to like find"},{"speaker":"Annemie Tonken","startTime":2013.96,"endTime":2016.51,"body":"your way fail your way forward,"},{"speaker":"Annemie Tonken","startTime":2013.96,"endTime":2016.51,"body":"so to speak,"},{"speaker":"MicKallyn Elis","startTime":2017.53,"endTime":2020.17,"body":"are winging it"},{"speaker":"MicKallyn Elis","startTime":2017.53,"endTime":2020.17,"body":"winging it financially right?"},{"speaker":"MicKallyn Elis","startTime":2020.35,"endTime":2023.8,"body":"That's wonderful that you have a"},{"speaker":"MicKallyn Elis","startTime":2020.35,"endTime":2023.8,"body":"course that helps photographers"},{"speaker":"MicKallyn Elis","startTime":2023.83,"endTime":2028.48,"body":"go like they're not winging it"},{"speaker":"MicKallyn Elis","startTime":2023.83,"endTime":2028.48,"body":"from starting their business"},{"speaker":"MicKallyn Elis","startTime":2028.48,"endTime":2031.87,"body":"because you know, from a"},{"speaker":"MicKallyn Elis","startTime":2028.48,"endTime":2031.87,"body":"financial starting your own"},{"speaker":"MicKallyn Elis","startTime":2031.87,"endTime":2034.87,"body":"business because I did the same"},{"speaker":"MicKallyn Elis","startTime":2031.87,"endTime":2034.87,"body":"thing starting my own business."},{"speaker":"MicKallyn Elis","startTime":2036.16,"endTime":2039.85,"body":"Having like, you know, that"},{"speaker":"MicKallyn Elis","startTime":2036.16,"endTime":2039.85,"body":"teacher that that course that"},{"speaker":"MicKallyn Elis","startTime":2039.91,"endTime":2047.02,"body":"that mentor to guide you through"},{"speaker":"MicKallyn Elis","startTime":2039.91,"endTime":2047.02,"body":"the process to save really a lot"},{"speaker":"MicKallyn Elis","startTime":2047.02,"endTime":2050.68,"body":"of time and money is powerful."},{"speaker":"MicKallyn Elis","startTime":2047.02,"endTime":2050.68,"body":"Absolutely."},{"speaker":"Annemie Tonken","startTime":2051.01,"endTime":2054.07,"body":"Once upon a time"},{"speaker":"Annemie Tonken","startTime":2051.01,"endTime":2054.07,"body":"I used to photograph weddings, I"},{"speaker":"Annemie Tonken","startTime":2054.07,"endTime":2057.76,"body":"haven't for several years at"},{"speaker":"Annemie Tonken","startTime":2054.07,"endTime":2057.76,"body":"point but I my clients would"},{"speaker":"Annemie Tonken","startTime":2057.76,"endTime":2061.0,"body":"come and one of the things that"},{"speaker":"Annemie Tonken","startTime":2057.76,"endTime":2061.0,"body":"they would often be kind of on"},{"speaker":"Annemie Tonken","startTime":2061.0,"endTime":2063.91,"body":"the fence about was whether or"},{"speaker":"Annemie Tonken","startTime":2061.0,"endTime":2063.91,"body":"not they should hire a wedding"},{"speaker":"Annemie Tonken","startTime":2063.91,"endTime":2068.38,"body":"planner. And my answer was not"},{"speaker":"Annemie Tonken","startTime":2063.91,"endTime":2068.38,"body":"always the same for everybody"},{"speaker":"Annemie Tonken","startTime":2068.38,"endTime":2071.32,"body":"because it really would depend"},{"speaker":"Annemie Tonken","startTime":2068.38,"endTime":2071.32,"body":"on the situation but for the"},{"speaker":"Annemie Tonken","startTime":2071.32,"endTime":2076.72,"body":"people who whose weddings would"},{"speaker":"Annemie Tonken","startTime":2071.32,"endTime":2076.72,"body":"benefit from a from a planner."},{"speaker":"Annemie Tonken","startTime":2077.05,"endTime":2081.22,"body":"My they would say Yeah, it's"},{"speaker":"Annemie Tonken","startTime":2077.05,"endTime":2081.22,"body":"really expensive though and my"},{"speaker":"Annemie Tonken","startTime":2081.49,"endTime":2085.99,"body":"my response was always what you"},{"speaker":"Annemie Tonken","startTime":2081.49,"endTime":2085.99,"body":"spend on this is going to come"},{"speaker":"Annemie Tonken","startTime":2085.99,"endTime":2089.83,"body":"back to you. You know if you"},{"speaker":"Annemie Tonken","startTime":2085.99,"endTime":2089.83,"body":"hire a good planner, it will"},{"speaker":"Annemie Tonken","startTime":2089.83,"endTime":2092.59,"body":"probably save you money over"},{"speaker":"Annemie Tonken","startTime":2089.83,"endTime":2092.59,"body":"time because you won't be making"},{"speaker":"Annemie Tonken","startTime":2092.59,"endTime":2096.16,"body":"mistakes that you would make if"},{"speaker":"Annemie Tonken","startTime":2092.59,"endTime":2096.16,"body":"you were trying to do it on your"},{"speaker":"Annemie Tonken","startTime":2096.16,"endTime":2100.03,"body":"own. You'll they have like"},{"speaker":"Annemie Tonken","startTime":2096.16,"endTime":2100.03,"body":"better deals for you and can"},{"speaker":"Annemie Tonken","startTime":2100.06,"endTime":2103.51,"body":"lead you there and I have just"},{"speaker":"Annemie Tonken","startTime":2100.06,"endTime":2103.51,"body":"found there is that sort of"},{"speaker":"Annemie Tonken","startTime":2103.96,"endTime":2107.98,"body":"scarcity mindset, especially"},{"speaker":"Annemie Tonken","startTime":2103.96,"endTime":2107.98,"body":"when the budget is small and"},{"speaker":"Annemie Tonken","startTime":2107.98,"endTime":2112.99,"body":"you're, you can feel that"},{"speaker":"Annemie Tonken","startTime":2107.98,"endTime":2112.99,"body":"acutely, but but sometimes"},{"speaker":"Annemie Tonken","startTime":2113.11,"endTime":2115.72,"body":"thinking forward to the fact"},{"speaker":"Annemie Tonken","startTime":2113.11,"endTime":2115.72,"body":"that certain kinds of"},{"speaker":"Annemie Tonken","startTime":2115.72,"endTime":2119.95,"body":"investments will pay for"},{"speaker":"Annemie Tonken","startTime":2115.72,"endTime":2119.95,"body":"themselves and then some Yeah,"},{"speaker":"Annemie Tonken","startTime":2120.25,"endTime":2120.97,"body":"so having,"},{"speaker":"MicKallyn Elis","startTime":2121.24,"endTime":2124.78,"body":"like, in your"},{"speaker":"MicKallyn Elis","startTime":2121.24,"endTime":2124.78,"body":"example stress time, right, like"},{"speaker":"MicKallyn Elis","startTime":2124.78,"endTime":2127.9,"body":"the that they're taking off"},{"speaker":"MicKallyn Elis","startTime":2124.78,"endTime":2127.9,"body":"their plate, if they're if"},{"speaker":"MicKallyn Elis","startTime":2127.9,"endTime":2130.9,"body":"they're already in a chapter in"},{"speaker":"MicKallyn Elis","startTime":2127.9,"endTime":2130.9,"body":"their life, that's quite"},{"speaker":"MicKallyn Elis","startTime":2130.9,"endTime":2134.92,"body":"stressful. You're hiring"},{"speaker":"MicKallyn Elis","startTime":2130.9,"endTime":2134.92,"body":"somebody to make this beautiful"},{"speaker":"MicKallyn Elis","startTime":2134.92,"endTime":2139.0,"body":"day less stressful the time that"},{"speaker":"MicKallyn Elis","startTime":2134.92,"endTime":2139.0,"body":"you're getting back. Yeah, not"},{"speaker":"MicKallyn Elis","startTime":2139.03,"endTime":2142.66,"body":"worrying about the details. And"},{"speaker":"MicKallyn Elis","startTime":2139.03,"endTime":2142.66,"body":"you know, the same thing kind of"},{"speaker":"MicKallyn Elis","startTime":2142.66,"endTime":2145.57,"body":"goes with financial coaching,"},{"speaker":"MicKallyn Elis","startTime":2142.66,"endTime":2145.57,"body":"right? Oh, wait, you're wanting"},{"speaker":"MicKallyn Elis","startTime":2145.57,"endTime":2149.11,"body":"me to pay, like things are"},{"speaker":"MicKallyn Elis","startTime":2145.57,"endTime":2149.11,"body":"already feeling tight with"},{"speaker":"MicKallyn Elis","startTime":2149.11,"endTime":2151.99,"body":"money, right. And now you're"},{"speaker":"MicKallyn Elis","startTime":2149.11,"endTime":2151.99,"body":"wanting me to pay for financial"},{"speaker":"MicKallyn Elis","startTime":2151.99,"endTime":2156.94,"body":"coaching. And it's about the"},{"speaker":"MicKallyn Elis","startTime":2151.99,"endTime":2156.94,"body":"value. It's about, like, what"},{"speaker":"MicKallyn Elis","startTime":2156.94,"endTime":2160.18,"body":"are you getting in return from"},{"speaker":"MicKallyn Elis","startTime":2156.94,"endTime":2160.18,"body":"from that you're getting the"},{"speaker":"MicKallyn Elis","startTime":2160.18,"endTime":2163.09,"body":"guidance, you're taking the"},{"speaker":"MicKallyn Elis","startTime":2160.18,"endTime":2163.09,"body":"stress out of money? You're"},{"speaker":"MicKallyn Elis","startTime":2163.09,"endTime":2167.56,"body":"talking about your scenario,"},{"speaker":"MicKallyn Elis","startTime":2163.09,"endTime":2167.56,"body":"right. And so Absolutely,"},{"speaker":"Annemie Tonken","startTime":2167.74,"endTime":2171.22,"body":"yeah. Awesome."},{"speaker":"Annemie Tonken","startTime":2167.74,"endTime":2171.22,"body":"Well, thank you again, so much"},{"speaker":"Annemie Tonken","startTime":2171.25,"endTime":2173.47,"body":"MicKallyn. It has been a"},{"speaker":"Annemie Tonken","startTime":2171.25,"endTime":2173.47,"body":"pleasure chatting with you. I"},{"speaker":"Annemie Tonken","startTime":2173.47,"endTime":2174.64,"body":"hope you have a fantastic"},{"speaker":"MicKallyn Elis","startTime":2174.64,"endTime":2179.35,"body":"day. Thank you"},{"speaker":"MicKallyn Elis","startTime":2174.64,"endTime":2179.35,"body":"so much for having me. Bye."},{"speaker":"Annemie Tonken","startTime":2180.58,"endTime":2182.86,"body":"Well, that's it"},{"speaker":"Annemie Tonken","startTime":2180.58,"endTime":2182.86,"body":"for this week's episode of This"},{"speaker":"Annemie Tonken","startTime":2182.86,"endTime":2186.64,"body":"can't be that hard. I'll be back"},{"speaker":"Annemie Tonken","startTime":2182.86,"endTime":2186.64,"body":"Same time, same place next week."},{"speaker":"Annemie Tonken","startTime":2187.12,"endTime":2189.85,"body":"In the meantime, you can find"},{"speaker":"Annemie Tonken","startTime":2187.12,"endTime":2189.85,"body":"more information about this"},{"speaker":"Annemie Tonken","startTime":2189.85,"endTime":2192.76,"body":"episode, along with all the"},{"speaker":"Annemie Tonken","startTime":2189.85,"endTime":2192.76,"body":"relevant links, notes and"},{"speaker":"Annemie Tonken","startTime":2192.76,"endTime":2197.65,"body":"downloads at this can't be that"},{"speaker":"Annemie Tonken","startTime":2192.76,"endTime":2197.65,"body":"hard.com/learn If you like the"},{"speaker":"Annemie Tonken","startTime":2197.65,"endTime":2201.19,"body":"podcast, be sure to hit the"},{"speaker":"Annemie Tonken","startTime":2197.65,"endTime":2201.19,"body":"subscribe button. Even better,"},{"speaker":"Annemie Tonken","startTime":2201.37,"endTime":2205.0,"body":"share the love by leaving a"},{"speaker":"Annemie Tonken","startTime":2201.37,"endTime":2205.0,"body":"review in iTunes. And as always,"},{"speaker":"Annemie Tonken","startTime":2205.18,"endTime":2208.69,"body":"thanks so much for joining me. I"},{"speaker":"Annemie Tonken","startTime":2205.18,"endTime":2208.69,"body":"hope you have a fantastic week."}]}