Money Talks: Financial Independence chats with Tracy Irwin - Episode Twenty Rachel Bamber

Real talk about brain science, money mindset, and what it actually takes to build a business that lasts, with brighter thinking coach Rachel Bamber.

This isn't your typical "here's how I made it" conversation. It's an honest, fascinating deep dive into the psychology behind why we do what we do with money, with goals, and with ourselves.

In this episode, you'll discover: 
💚 Why writing your goals down makes them 73% more likely to happen (and the neuroscience that explains it) 
💚 The identity shift nobody warns you about when you leave corporate life 
💚 Why so many business owners do the work but never send the invoice (and what it really says about self-worth) 
💚 How your gut instinct and irrational fear sound completely different once you know what to listen for 
💚 Why children growing up cashless are losing something crucial about the value of money 
💚 The power of saying yes before you know how, and why it works

Perfect for you if: 
💚 You've ever hesitated to send an invoice or felt awkward asking to be paid 
💚 You left (or are thinking of leaving) a salaried job and want to know what to really expect 
💚 You want to understand how your brain is either working for or against your goals 
💚 You believe in gut instinct but aren't sure how to trust it in business decisions

Resources: 
Rachel's website: https://www.rachelbamber.com/ 
Book: The Brighter Thinking Coach, available on Amazon 
Connect with Rachel on LinkedIn: https://www.linkedin.com/in/rachelbamberbrighterthinking/
________________________________________

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Transcript

SPEAKER_00 0:00

Being able to pay for things and be an adult as well and to support yourself. It took me a while to recognise that I had to let go of my identity of being a corporate employee. You work with people in corporate or do you work with people small businesses now? I do work with a lot of small business owners and in particular creative.

SPEAKER_01 0:22

Welcome Rachel. Thank you so much for joining me. Thank you, Tracy, and hello. What does financial independence mean to you?

SPEAKER_00 0:30

Well, when you say that, I think of me starting my first business, age 14, selling Avon, and that feeling of working, having my own money, and sort of earning it out of my effort and the joy of paying it in to my sort of bank account. And I think for me it means it means being a grown-up and being able to pay for things and be an adult as well and to support yourself. Definitely much of my life I have been very independent. So yeah, that that being able to do it yourself.

SPEAKER_01 1:16

Nice. I love the fact that as a teenager you put money into your bank account, by the way. Not quite sure I've had that whole concept sorted in my teenage years.

SPEAKER_00 1:28

And do you know what crazy? Yeah, I've still got that bank account. It's got, you know, talking about emotions, but it's got a significance for me that um, you know, there's nothing in it, but it's still there because yeah.

SPEAKER_01 1:43

Oh nice. Yeah. So from being an Avon, so my mum sold Avon, by the way, when I was a child. So it was like it's a it's a whole good thing to uh to for a remembrance of stuff. But uh, so what was your journey then? Because obviously you don't sell Avon anymore. So kind of what was your journey to where you are now?

SPEAKER_00 2:02

So I went to university um and I worked while I was studying, um, which I sort of had to, but the experience that I got while working um really did pay off when it came to getting a job after university. And my background is in consumer media and sales. I worked for Express newspapers selling advertising space, um, which was very high pressure, but working in a team and we had goals. Um, we had about five goals a week of pages that we had to fill with adverts. And um I did love that. It was very exciting. And then when I'd sort of finished there, I'd had enough of that. I wanted to get into fashion, was told, oh, you've got no experience, you won't get into fashion, but absolutely loved defying the recruitment agent to get a job working for BBC Close Show Live. And that was the live event, which I think may still be going at the NEC in Birmingham in the UK, and it was um selling the floor space to fashion and beauty brands for them to have a stand at was, well, it was the largest consumer fashion and beauty event in the world at the time. Loved that, got promoted, was sales manager, then was selling sponsorship, and I got invited to a leadership and management training program where I was introduced to coaching and also something called NLP, Neurolinguistic Programming. Loved it because I'd always been interested in personal development and um was told I was good at it. The trainer told my MD, and it sowed the seed. So I thought of wanting my own business and to do something else. But I remember looking back at a course that I did while I was still at uni, which was around careers, and I'd written down, age 21, that I wanted my own business, that I wanted to be helping people, giving them advice so such, and um sort of very independent. And so back then I'd kind of envisioned what I do now, and I shortly left um the sort of corporate world, if you like, because I felt I'd learned everything that I could. And I trained professionally in coaching skills, in brain-based coaching skills, as it was then, and also did a professional qualification in NLP and started my business 21 years ago now. And what a roller coaster ride, as most business owners will know, and people working for themselves, it's been. But when I look back, I can connect the dots. And even as a teenager, friends, parents were sort of opening up to me. Now I don't give as advice as a coach, um, I can as a trainer, but it's it's it's amazing that yeah, what I wanted, um, I do.

SPEAKER_01 5:08

That's lovely. I love manifestation, and I love the difference by the way. So I class myself as a mentor rather than a coach, just because my advice monster is way too big to keep it in a box somewhere. It just doesn't, it doesn't work. And plus, I attract people who generally come for direction rather than like the inner thing of improvement inside. It's an improvement in the business. So I love that differential that you've just said. You you can't give advice as a coach, but you can as a trainer. And I think there's a lot of people don't actually realize that there's that difference um between like the two, even the two, the two words are said, you know, there's there's very different, isn't there? But yeah, I love the manifestation. I did um I went to a mastermind at the beginning of the year, and um I'd understand about strategic partnerships, like we talk about them all the time. But you know, when somebody says something just that little bit differently, and it suddenly goes, Oh, that's what I want. And I'd written, because it was in January, I'd written 2026, the year I'd like to do events with like-minded people that I actually like with an exclamation mark. That's that's it, that was my whole thing. And I woke up the next morning, so that was Saturday morning, Sunday morning. I woke up to a text message that actually said to me, Trace, I've had this business idea going round and round in my head for ages. He said, and what I've actually realized, if I don't ask you, it's never gonna happen. He said, But if ask you, it's the worst, what's the worst you can say? The worst you can say is no. And he said, Would you like to do something together? And I was like, haven't manifested that in like two in 24 hours. So it's kind of like I think it is, we kind of know, don't we, once we write it in paper, that it kind of helps to come alive.

SPEAKER_00 6:58

Absolutely, and I can help explain how that works from a neuroscience point of view in our brain, is um, and something that I learned from NLP is that you get what you focus on. And we've got something in the brain called a reticular activating system, which helps us because you know we're bombarded with you know loads of things all the time, and our brain basically inhibits most of what you know we see around us, hear, you know, we we know that. Um otherwise we'd we we wouldn't function very well if it didn't do that, and so by you laser focusing on what you want, you're then more likely to recognize the opportunities that fit in with the command that you've given your brain. Um, so yeah, it definitely works. The brain, you know, responds to commands, and there is you know science behind that um and how that works. And I've just gone into a tiny bit there.

SPEAKER_01 8:01

Oh, yeah, no, there's a there's a lot, isn't there? But yeah, it is, and it's kind of like we say, don't we? We write your goals down because it makes them happen um about 73%. I think it is more likely to happen if you write your goals down, or you know, you focus on, yeah, what we focus on, we get. So when you made the shift from corporate to like a small business, like I've never been in corporate at all. So, like, can you explain to anybody who's sat in corporate and they're kind of wondering whether small business would be for them? What advice would you give them? What would you say is the biggest difference?

SPEAKER_00 8:37

Okay, and funny enough, I've written about this in my book, The Brighter Thinking Coach, because I it was a shock when I sort of, yeah, was suddenly on my own, at home, starting my business, all excited, all motivated. And then suddenly it was like, oh, I didn't feel as motivated, and I don't feel like me. And I wasn't sure what was going on. And what I recognized eventually was that I needed to let go of the corporate me of what work was for me. Work was hard sell, getting targets and all the rest of it, which of course it still can be, and but also there was the big social aspect of work. I'd always worked around people, being it was very, very face-to-face. There was a lot of hospitality, and suddenly I didn't have any of that anymore, and I didn't have the big brand. Um, and I also worked for BAFTA, which was another thing that I guess was a vision of mine being on the red carpet, uh, which I did. But suddenly, you know, you've got these prestigious brands, and suddenly it's just you. And it's like, oh, and um, it took me a while to recognize that I had to let go of my identity of being a corporate employee and actually create a new one of what work was, and suddenly, oh, I can be really creative, even more you know, than I was, and there's no boundaries, and I can do what I like, and um, that did take time. Okay, and I've since um, like you, I do mentor and I do um supervise other professional coaches, and it's a common thread that people say that it can be very lonely when you start off, and you know, I went to networking events, I also started my own because I quite like to lead, so that helped. Um, and so it was about finding my new way, but of course, the big thing that I think not enough people talk about when they leave corporate world is that suddenly you haven't got that guaranteed salary on that day of the month. And suddenly it's like, oh wow, I realised how much I took that for granted. And I think, yeah, it's probably people do.

SPEAKER_01 11:07

Are you working harder than ever, but feeling like you're getting nowhere? You're not alone. Most business owners I speak to feel trapped in their own success, working 60 hours plus a week, missing family time, and honestly, they're not even sure why they feel so stuck. They just know something needs to change. If this sounds familiar, I've created a quick quiz to help you find out why you feel stuck in your business. It takes only two minutes, and I give you clarity on exactly what's keeping you tracked, and more importantly, how to break free. The link's in the description. So why not take it now? That's really interesting because, like, as I say, I've never been in corporate, but I did go from a salaried position in an electrical contractor's to being self-employed, and I did it as a single parent. So, like, literally the the risk that you know it was always, it's not just my the roof over my head I was risking, it was the roof over my daughters, and I think that gave me drive to ensure it worked. Um, but yeah, that corporate cushion of like knowing that your salary is coming at the end of the month, how how did you handle that moving forward?

SPEAKER_00 12:17

Um, not always very good. I'll openly admit it. Um, and I think that's a big part of my sort of money mindset story um as well. But then I did sort of give myself challenges um because when I was in London, and even I think the last place I lived in London, and I I really jumped up on the how much I was paying in rent, and it was beautiful flat. Um, but it was a big ask, and like as you said, I had to make it work, and um and for that not to be a stress. So I think that, yeah, burning your boats is that fable of the uh Spanish, I think, which supposedly didn't happen at all, but you know, making sure that you have to step up, as long as it's not too much of a massive stretch, um, that helps. Um, but I think one of the success or the secrets of my success, I would say, in the longevity, because I've worked on my own for this long, um, through the highs and lows and through all the the recessions and the COVID and the this, that, and the other. And by the way, everyone, if you're thinking of starting a new business, there was always something. Somebody will always say, Oh, it's not the right time. There's never the right time. You just have to put it on and do it. Always the right time. But my thing is is that I say yes even if I don't know how to do it. And so opportunities that come my way, it's that yes, and I'll figure it out how. And that served me very well.

SPEAKER_01 13:52

Yeah, I think that's it, isn't it? Sometimes it's saying yes to the bigger things. Like I remember being asked to speak at the biggest event that I've ever spoke at, and I said yes, and then I got off the call and I was like, What have I just done? Like, I like I'm not, you know, and it it that that's when your self-sabotaging kicks in, isn't it? It's like you've got to make sure that your mindset is not I can't do this, it's how, what do I need to do to make this happen? That's kind of like what we need to to kind of think. But yeah, it is sometimes, yeah, just saying yes and figuring it out. I think a lot of business owners do that. We just don't people don't admit it, you know. They've they want to look like they've got everything holding everything together. But actually, honesty sometimes makes you more approachable anyway, doesn't it?

SPEAKER_00 14:46

Oh, yes, absolutely. And and you said something wonderful there in that it's that how, because it's again back to how our brain works, the brain likes to solve challenges. You know, a lot of people they sort, oh, I've got a problem, and that word problem, oh no, because it's not good. Oh, I've got a challenge. Now, suddenly our brain can be like, Oh, how do we solve this? Yes, and so how can I make this work, or how can I speak in front of 500 people, which I have done, you know, what's that going to be like? And trusting yourself, but there is that, as I say, it's it's this that level of stretch where it is stretch and you're in the flow, um, and growing, and where that, you know, I love that um phrase, the magic is just outside your comfort zone. But then there's knowing what is realistic as well, and what actually, no, that's going to be too much or just not possible at the moment, as well.

SPEAKER_01 15:47

I think it is it's it's understanding the difference between your gut feeling and your irrational fear, like literally, and like it talking to yourself and like, is this just irrational fear that's not really, you know, it's not serving me? It usually has a bigger voice than your gut feeling, doesn't it? Your gut feeling tells you slowly and like nicely and stuff, and yeah, this irrational fear comes with this big huge story that you know there's everything, the world's gonna fall apart. Um, and I feel like for me, every time I've stretched myself, finding that inner voice and understanding whether it is fear or if it is my gut, telling me to say yes, I think that's really important.

SPEAKER_00 16:31

Yeah, absolutely. And I'm a big believer in trusting our gut instinct or our intuition and knowing where it is, you know, and I'm doing this because mine seems to be around here, but if you can sense where you get those messages, if you hear them or feel them or if it's something else entirely, so that you know what that is, and intuition can be explained through science as well as the more spiritual aspects, I think. But yeah, trusting that, and I can openly say, Tracy, everything that has gone wrong in my life or has been really hard, difficult, it costly, it's been when I haven't listened to my intuition. And I found that a lot with clients as well.

SPEAKER_01 17:20

Interesting. I yeah, because I read a book called The Big Leap um not so long back, and it talked about the self-sabotage of like comfortable and like going back to the you know, the chaos of comfortable rather than like finding yourself in a better place. And I actually rang my daughter while I was on my walk listening to the book going, I'm a bit traumatised because I feel like I've just realized something about myself in the in a past thing that I'd done. Um, selling the like selling the accountancy and stuff, something had happened and it was like a this massive realization. And I was like, I need to make sure this doesn't happen again. Um, but yeah, so sometimes it is about like understanding the gut because it's yeah, sometimes we don't hear it, unfortunately, do we? Because it is quite quiet.

SPEAKER_00 18:09

Yeah, absolutely.

SPEAKER_01 18:10

Oh, but yeah, that's really good insight. So you work with people in corporate or do you work with people small businesses now?

SPEAKER_00 18:20

I do a mixture because I love variety. I genuinely do, which is where again I'll openly say I've sort of struggled to niche. Um, and it's more about the sort of topics that clients bring. But I have private clients that come to me. Some you know I've never met in person. Okay. And even yeah, 20 years ago, um, it was coaching by telephone. Can you believe? Um, unfortunately, I uh switched to Zoom and other online platforms way before COVID. So me too. Yeah, but yeah, back then. So some I've never met, um, others it is in person, and then I do have clients um through corporates and you know other affiliates, if you like, uh, where I get clients, and I do work with a lot of small business owners, and in particular, creative uh small business owners, micro business owners, who perhaps are artists, photographers, um, and in that creative space. And it could be around helping them be more focused, get their goals prioritize, learn about how the brain can help them uh get things done faster and with zero stress as well. So sort of just helping them in that space. But also, I work with clients where they could be at a crossroads in their life, maybe it's work and relationship at the same time. Amazing how often that happens, I find. And they want clarity, they they want to know what the next steps are and helping them, like you said earlier, with that direction. Um, and in the corporate space, it's very much about, as I like to say, helping leaders be the brain-friendly leader that people want to, you know, love working with.

SPEAKER_01 20:13

So your business is successful. So why would you feel so miserable? Here's the thing: success doesn't always automatically equal freedom. I see profitable business owners every day who can't take a holiday, who can't switch off, and they feel completely overwhelmed by their own achievements. Sound familiar? Well, I've created a simple quiz that pinpoints exactly why you feel stuck in your business. It will give you the clarity you need to move from being trapped to being free. Why don't you take the quiz now? The links in the description below. From a money mindset point of view, like when you said working with creative, like creative people, as a, I mean, we're not all the same, but I mean, as an accountant, I'm a creative person and it kind of like it contradicts like the my whole personal life against my professional life. But generally, they're known for being quite like chaotic and unorganized. And I wonder that that help doesn't help them with their like their money mindset and things, because they're they've left brain, you know, kind of like he's doing the work for them. Like, do you find that as well when you're working with creative people?

SPEAKER_00 21:33

Yes. And it's amazing, I think, how often, and not just creative people, because I've seen this with other coaches as well. Because something else, when you know, we're working for ourselves, we have to get the money in. We have to send an invoice. And I find as infrequently, that is a sticking point for many uh businesses. Owners and I remember it too, that suddenly, oh, I've can I've got to send an invoice, and I think I delayed it a little bit. I think I remember sort of lead trainer saying to me, Oh, Rachel, you've done the work, you send the invoice. Oh, okay, yeah. And I've seen that so often that people can be doing well, you know, work for a company or you know, a client for three months or more and never sending an invoice, or coaches where they've asked for or they get paid after the session or before the session on a more singly session. It's not what I do, by the way. And they'll still do the session, even though they've got the payment. Yes. So I'm always thinking, oh, what's that saying about your money, mind, self-worth?

SPEAKER_01 22:45

That's about self-worth a lot. And I'm not gonna say I'm brilliant in this, but I set my business up to not happen. So my clients pay me a monthly fee on the first of every month, and it works really well because, like, go like Stripe take the payment, and it works really well until somebody doesn't pay. And I am gonna admit, that phone call is so uncomfortable for me, so uncomfortable. And I usually use it saying, look, I've set the business up like this because this is uncomfortable for me. So I don't want to ask you for money, I expect to be paid, and it is kind of like so many business owners, though, like you say, Oh, you've done the work, like you need to get paid for the work, but to actually have a structure in your business, if you really feel that that's always going to be uncomfortable for you, and it is it's always uncomfortable for me asking for money. Once the accountant at the business was up and running, absolutely fine. I had people doing that, I never had to ask for money, it was so easy, but now I'm back to being me. I had to find a way to ensure that I didn't not ask for the money, and it was really difficult, and that's all yeah. If anyone is in that, stop charging per session. Find retainer clients that can pay you because you know, when you've done the work, that self-worth thing, that negative thing that says, What if they don't pay? Well, they're not paying already. Like, you know, you've it's got to be addressed, doesn't it? Yeah.

SPEAKER_00 24:20

And I think it's a rite of passage for when you start your own business that you go through this and you learn. And um, I get paid in advance um and sort of do it that way, um, or people can pay me by instalments, but I honestly think it's about taking the emotion out and just being very um factual on the emails and being very separate. I always send an invoice, it will be a separate separate to anything else, and um that it gets uh you know sorted. And I always like to pay on time myself. And heaven forbid, if there's been times where cash flow hasn't and I can't, that that is a stress for me because that's about my values of who I am and and how I like to operate. So so it can come up in so many different ways, and but overcoming it is key, absolutely, and finding ways as you have, um, that you can deal with it. And of course, a lot of people then maybe outsource themselves to like in my world, in the coaching world, to platforms where they do all of that for you. Um, but of course, yeah, if you're doing that way, you're always going to get less money for you in the marketing and all the rest of it. So yeah, it it's it's it's I think we can do a lot of training and do a lot about our craft, what we do. Um, but I do think it's essential to learn about the business side of the business and the money side. And you know, sometimes I have to say, Tracy, I wish I'd done accountancy training or things like that as well. Um, however, you know, let's have the experts do that, which is why you're great at what you do.

SPEAKER_01 26:14

I think it's important, thank you. I think it's important that these kind of things are addressed at school age. I think there's so like, and I know some schools have have taken this on board, they're starting to do it now. It's not like when you and I were at school, you know, we learned trigonometry, we didn't learn about budgeting. And um, I think it's so important to teach. Like, so the other day, my grandchildren were in the back of the car, and one of them had a pound. So my opa, my partner, had taken it out of the trolley and she'd taken it off him, and she had this pound. And I said, She's five, and I said, Do you know how much that's worth? No, not at all. And so I said to her, I said, That's worth a hundred pennies. I said, That's a pound that, and then I gave her a 10p. And I said, That's 10 of these is worth one of those, and she had them both in her hand, and then I said, Which one's got more value? And she went, the 10p because it's bigger. Like, oh yeah, I'm not doing my grandma's duties very well at all. And I think unlike children don't see cash anymore, it just so happened to be in the car, and I think understanding the value is gonna be so much more important to children of this generation. Like we saw cash, yes, we didn't do budgeting, but we kind of understood the value of money from actually spending it. These guys aren't gonna see that at all.

SPEAKER_00 27:40

It's all a card, yeah, yeah, and yeah, we and the brain quite literally doesn't register the spending when you're just clicking a button or just swiping the card. And I'm like you, I'd love to see more of budgeting, money, life skills, even uh taught in schools. And I remember, and I can still remember, um, my maths lesson with Miss Pike, as she was called, as a teenager in secondary school, where we did currency, and I love that because I could relate to it, because I was fortunate that um I was taken across to Europe camping, um, and so currency was very real, and I could, you know, it it made sense to me. Um, and I think the more we can help people or and children, you know, use and learn about money and other things in a way that that's going to be relevant for them as they live their life, not these abstract concepts.

SPEAKER_01 28:43

No, definitely. Is that where your love of travel came from then? Your trips as a child?

SPEAKER_00 28:48

Yes, I think so. Um, how old was I? About seven or eight, and when I went across to Europe, and you're right, actually, because we didn't know where we were going. Both my parents were set in secondary school teachers, so we're very lucky uh to have those big long holidays in August. And we went across, I think, for about three weeks, three and a half weeks, and it was they had a rough idea of maybe where, but we traveled across um the countries in Western Europe, and I do really value and I'm so grateful for those opportunities because I got to see so much that I wouldn't have seen, especially even if I was on a plane. And that's yeah, I'm very comfortable not knowing what's going to happen, where I'm going to end up. And yeah, a couple of years ago I became a digital nomad and lived in Turkey and Bulgaria, Gibraltar, out of a suitcase and even sharing a suitcase with my fiancee. We didn't even take one each, but I have to say though, after a year I was sick of it.

SPEAKER_01 29:58

You had more room than he did in that suitcase, though.

SPEAKER_00 30:02

Um, maybe I did have a bit more. Um, and I had my Pilates mat with me. I still can't believe I took that all everywhere as well. Um, so yeah, but yeah, so I'm quite happy with that. I do love staying in hotels where there's nothing there, no clutter and distractions. No distractions.

SPEAKER_01 30:20

That's what I would really like about a hotel. Um, so which was your favourite part? Well, where was your favourite place that you've did where you visited and your travels?

SPEAKER_00 30:28

Oh, that's so hard to say because I think it can depend on how you feel at the time and what you're looking for. Um, but I was very impressed with Sofia, um, which is the capital of Bulgaria. And who knew it's got the world's fourth fastest Wi-Fi. Wow. Who knew?

SPEAKER_01 30:48

Didn't know that on the internet.

SPEAKER_00 30:51

Yeah, and it really is so much faster than the UK. Um, and yeah, that seemed very up and coming. And I think because also we've been living in a little village in Turkey, suddenly we were in a city where there was a choice of restaurants and uh very cosmopolitan and and all the rest of it. So, but I would I would recommend all Turkey and Bulgaria um to anyone. Um, and we actually got a train from Turkey into Bulgaria overnight, which was an adventure.

SPEAKER_01 31:23

Sounds like an adventure too. That's lovely. Never thought about doing things like that, but yeah, so well, thank you. I just want so for people who are interested um in N L P or and the um the brighter thinking, like where can they find you, Rachel?

SPEAKER_00 31:40

Thanks, Tracy. So you can find me at rachelbamba.com, r-a-c-h e-l b-a-m-b-e-r.com. I have my book, The Brighter Thinking Coach, which is aimed at professional coaches, uh, but useful for anybody having meetings and all sorts. That is available worldwide on Amazon. And also love to connect on LinkedIn. That's my social media uh that I seem to be on, and it's um uh Rachel Bamber Brighter Thinking, uh, where you'll find me there.

SPEAKER_01 32:16

Thank you very much. I've really enjoyed speaking to you today, and I'd love to speak to you more about your travels. Um, and yeah, uh thank you very much for everyone that's listened. Thank you. Thank you, Tracy. Thank you for watching to the end. I really appreciate it. And it shows that you are serious about moving your business forward. I want to share something with you. When I was little, I watched my mum skip meals so my brother and I could eat because she didn't have enough money to feed us all. That pain changed everything. I promised myself I would never need to rely on anyone else financially. I worked relentlessly towards financial independence. Even as a young parent of 19, I still worked. And once I achieved financial independence, I became passionate that everyone deserves the same. But here's what I've discovered. Successful business owners can feel financially trapped just in a different way. And that's why I created the Money Metrics Academy to help you understand your essential business numbers in under an hour a week. No jargon, no overwhelm, just the clarity you need for true financial independence. Why not join the free entry level membership and see how the community can help you? Let's get on stock together.