Why is personal finance so dang complicated? And does it need to be? Today, you’ll find out how three easy steps can serve as the foundation for your financial success. 

What You’ll Learn:

- When do people default to operating out of a state of fear rather than abundance?

- In times of economic downturn, how can you position your business to come out successful?

- Why recessions lead to creative destruction

- You can do 90% of investing with only 10% of the knowledge

- The three golden rules to personal finance

- Technology grows your slice of the pie over time and investing is your ticket in

Who is Jesse?

Jesse Cramer is the founder of The Best Interest, a personal finance blog he started in 2018 while working as a mechanical engineer. Jesse's passion for helping people improve their personal finances led him to write and share his insights publicly. The Best Interest has since gained recognition, including a nomination for "Personal Finance Blog of the Year" in 2022 and media features on CNBC, MSN, the Motley Fool, Yahoo Finance, and more. Jesse has since left engineering to pursue his mission of helping people with their personal finances at a fiduciary wealth management firm.

Mentions:

Episode 34 with Jesse Cramer: https://podcasts.apple.com/us/podcast/e34-key-takeaways-from-our-financial-journeys-featuring/id1578877075?i=1000556952168

https://open.spotify.com/episode/1TboN5XtXPWbMilzGu5vbz

Follow Jesse:

Listen to the Best Interest Podcast at https://podcasts.apple.com/us/podcast/the-best-interest-podcast/id1553180943

https://open.spotify.com/show/1fTBctyjPWhK1MLnYCMpJH

Check out the Best Interest Blog at bestinterest.blog

Contact me at jesse@bestinterest.blog

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Friendly reminder that Mills Knows Bills is general and educational in nature and does not constitute tax, investment, legal, or financial advice with respect to any particular individual or taxpayer. Please consult your own advisors regarding your own unique situation.

Don’t we all wish that one day we’d wake up and all of our money problems were gone? While that’s a tad unrealistic, you can change your money situation. 

What You’ll Learn:

• How budgeting can gamify your finances

• Crafting a strategy for snowballing debt

• Why money doesn’t change people, it enhances them

• The generational effect money has on not just wealth, but behaviors we pass along to in our family

• A lot of people will work 90% of their life to enjoy the last 10%. How to narrow that gap

• Where does this shame, guilt and embarrassment of money taboo come from

More of Mills Knows Bills:

Website: https://www.millsknowsbills.com

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Current Resources: https://linktr.ee/millsknowsbills

Friendly reminder that Mills Knows Bills is general and educational in nature and does not constitute tax, investment, legal, or financial advice with respect to any particular individual or taxpayer. Please consult your own advisors regarding your own unique situation.

Many variable-income earners struggle to make the most of their finances because they don’t know what they can consistently count on each month. Mastering these four components: mindset, budgeting, valuing and investing in yourself, and implementation, will grant you the foundation to achieve all of your financial goals.

What You’ll Learn:

• How do you optimize your money mindset as a way to provide the foundation to make sound financial decisions?

• When the first step of creating a budget normally starts with income, what’s a framework that’ll work best for variable income earners who can’t plan for consistent earnings?

• With 98% of the people struggling to charge what they’re worth, how does one calculate their hourly rate? 

• How can you create room in your budget to invest in yourself and your business?

• Encouragement to do something about your finances. Use the tools and resources we mention to start implementing everything we’ve talked about, however small.

Mentions:

Profit First: https://mikemichalowicz.com/profit-first/

E63 Scarcity Mindset: https://podcasts.apple.com/us/podcast/e63-is-scarcity-mindset-jeopardizing-your-financial/id1578877075?i=1000599269922

E64 Self-Worth vs Net Worth: https://podcasts.apple.com/us/podcast/e64-self-worth-vs-net-worth-wheres-the-difference/id1578877075?i=1000601756200

Get your copy of our FREE Budget Setting Tool by subscribing to our email list found on our website: www.millsknowsbills.com/resources

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Website: https://www.millsknowsbills.com

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Current Resources: https://linktr.ee/millsknowsbills

Friendly reminder that Mills Knows Bills is general and educational in nature and does not constitute tax, investment, legal, or financial advice with respect to any particular individual or taxpayer. Please consult your own advisors regarding your own unique situation.

As an individual or business owner, how do you identify your core values? How do you use your core values to attract the right people, create purpose, and expand the scope of your business? 

Who is Jonathan Lautermilch?

Jonathan is the founder of Smart Shark, a company focused on scaling small businesses, coaches and consultants. He is also the founder of Fit Pro Collective, a professional fitness mastermind aimed at serving fitness professionals and gym owners to help expand their business models, mindsets, hiring and team member development. He’s been refining his business’s core values for over six years, and believes you should, too.

What You’ll Learn:

• The importance of defining your core values as a variable income earner and business operator

• How to attract talent that knows how to think rather than what to think when it comes to solving problems for your business

• We don’t control what happens to us, but we do control how we react to what happens to us, and that is a non-negotiable mindset to master

• The Celery Test framework for making decisions

• How to say no to an opportunity that doesn’t align with your values

• How to invest in yourself in a way that avoids filling the endless void of lack of confidence

• The difference between fake it til you make it vs believe it til you achieve it

• How to value your time and discern the difference between working on the business vs working in the business

Mentions:

Simon Sinek’s Circle of Trust: https://www.ted.com/talks/simon_sinek_why_good_leaders_make_you_feel_safe?language=en

Follow Jonathan:

Facebook: https://www.facebook.com/jonathan.lautermilch

Facebook Group: https://www.facebook.com/groups/realtalkwithrealbizpros

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Current Resources: https://linktr.ee/millsknowsbills

Friendly reminder that Mills Knows Bills is general and educational in nature and does not constitute tax, investment, legal, or financial advice with respect to any particular individual or taxpayer. Please consult your own advisors regarding your own unique situation.

Brick by brick you can slowly start to build a solid foundation for your finances. But where do you start? Establishing your self-worth both personally and as an entrepreneur is crucial to a sustainable financial journey.

Are you working with the right clients, and are you charging enough? 

How are you investing both time and money into your financial future?

As a business owner, where can your controllables be adjusted?

Self-worth is not the same as net worth. Variable income earners have to identify the gaps between the two to achieve financial success. Join the Mills Knows Bills community to take your first steps in creating a support group for both your business and financial goals.

Start by getting your copy of our FREE Budget Setting Tool by subscribing to our email list found on our website: www.millsknowsbills.com/resources

More of Mills Knows Bills:

Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

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Current Resources: https://linktr.ee/millsknowsbills

Friendly reminder that Mills Knows Bills is general and educational in nature and does not constitute tax, investment, legal, or financial advice with respect to any particular individual or taxpayer. Please consult your own advisors regarding your own unique situation.

Do you have a financial scarcity mindset? Mills identifies seven ways to know if these limiting beliefs are holding you back. And if so, how do you move towards a life full of financial abundance?

Your brain wants to be right. So much so that it'll try to prove itself right. That’s why reframing your mindset in a positive way is a powerful tactic when it comes to achievement.

The first step to financial literacy is to have a realistic approach to your finances. A realistic approach means establishing a budget that aligns with your goals. This will give you just enough discipline for the present, but allows you to set yourself up for future success. And small changes will have a long lasting impact. So be consistent.

Joins Us and Learn: How to Start Investing Today

https://view.flodesk.com/pages/63e412c80f93ed601fa2a032

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Current Resources: https://linktr.ee/millsknowsbills

Friendly reminder that Mills Knows Bills is general and educational in nature and does not constitute tax, investment, legal, or financial advice with respect to any particular individual or taxpayer. Please consult your own advisors regarding your own unique situation.

I started my financial journey Fall of 2014 when I found myself with only $1.50 to my name, so I understand the frustration around money mismanagement, struggling with where to start, and the courage it takes to take ownership of your finances.

Now, I’m a financial coach, speaker, author, and the founder and owner of Mills Knows Bills where I have the opportunity to teach individuals and businesses how to manage and master their money within 90 days.

On this podcast, I will teach you how to stop living paycheck to paycheck, how to pay off your debt twice as fast, and how to reach your financial goals. This podcast is meant to make managing your finances accessible.

In this episode Mills was excited to speak with Evan Johnson about the world of podcasting and how small businesses and entrepreneurs are increasingly using the podcast medium to both promote their brand and gain new clients. In this interview, Evan explains how he went from editing his entrepreneurial mother's podcast in High School to owning his own podcast production company at the age of 24.

In addition to discussing his own entrepreneurial journey, Evan also lets listeners know about the nuts and bolts of creating your own podcast and how getting started is easier than you might think. Mills also speaks with Evan about starting her show and how the content created for podcasts can be used in so many other promotional and educational platforms such as Instagram Reels, Facebook posts, audiograms, and more! 

Topics Include: 

• How Businesses Use Podcasts
• Podcasts as a Promotional Tool
• The Cost of Creating a Podcast
• When to Outsource Editing
• Tips for Creating Quality Content

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Follow Evan: 

Website: https://pathtopodcastsuccess.com/

Instagram:  https://www.instagram.com/evanjohnsonpodcast

Facebook:  https://m.facebook.com/profile.php?id=100012678490353

Linkedin: https://www.linkedin.com/in/evanjohnson98/

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This week on Mills Knows Bills, Mills interviews business coach and entrepreneur Tomas Keenan about his journey to success within small business ownership. Tomas candidly shares with listeners the mistakes he made when starting his first small business and how he used that knowledge to press forward into more successful ventures.

Mills and Tomas discuss the importance of knowing your skill set and more importantly your value to the company you run. Tomas also breaks down key formulas that allow small business owners to get a better understanding of when to outsource tasks and when to hire new people. In his unique and straightforward style, Tomas shares stories from his journey that will both inspire and inform while keeping the facts real with the audience and not sugarcoating the reality that is small business ownership! 

Topics Include: 

• Common Mistakes When Starting a Small Business 
• The Importance of Knowing Your Hourly Wage
• Time Management and How It Affects Your Business  
• The Value of Having a Business Mentor
• Knowing When to Outsource Tasks

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Follow Tomas: 

Instagram: https://www.instagram.com/theintegratorcoach/?hl=en

Facebook: https://www.facebook.com/tomaskeenan.tci/

Book: ​​https://www.tomaskeenan.com/

Linkedin: https://www.linkedin.com/posts/tomas-keenan

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This week on Mills Knows Bills, Mills addresses some of the key financial fears that all entrepreneurs and small business owners encounter. Mills knows as well as anyone the obstacles and frustrations that face all new entrepreneurs and in this episode she tackles these headaches head-on. 

Breaking down topics like when to hire and when to fire, this episode also hits on the key points of valuing your own time and how to grapple with the age-old question that plagues all entrepreneurs, and self-employed workers…when to say yes to new clients and more importantly when to say no!

Topics Include: 

• Fears When Investing in Your Business
• Financial Principles for New Hires
• Knowing the Value of Your Skills
• The Liberating Power of Saying No 

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Follow Mills Knows Bills:

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