286 – 7 Specific Targets to Create a Confident Money Mindset as a Small Business Owner with Johnny McWilliams

Hi there.

You're listening to gift biz unwrapped episode 286.

I realize,

even though I understood the crafts,

I understood how to make things and how to sell.

I didn't understand money,

attention. Gifters bakers,

crafters, and makers pursuing your dream can be fun.

Whether you have an established business or looking to start one.

Now you are in the right place.

This is give to biz unwrapped,

helping you turn your skill into a flourishing business.

Join us for an episode,

packed full of invaluable guidance,

resources, and the support you need to grow.

Your gift biz.

Here is your host gift biz gal,

Sue moon Heights.

Welcome, welcome.

Another episode of the show I'm Sue and I so appreciate

you taking time out of your day and spending it here

with me being that it's now October.

So if you're listening right as we air or shortly thereafter,

that means all eyes are on holiday sales.

Black Friday is only a few weeks off and you know,

in the past,

that's what kicked off the holiday shopping season.

I'm sure you've seen that it's changed over the years and

this year more than ever.

I don't know about you,

but I'm already well on my way.

With holiday gifts,

all reports are pointing to this being one of the biggest

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So if you're still waiting and thinking about turning your handmade

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Now today's show falls right in line with this conversation we're

money. I know this can be a really heavy topic,

right? We've talked about it before.

I know you may feel like numbers are confusing or you

grew up in a household where money was limited.

So the topic is super scary to your very survival.

I've even heard from some,

maybe you that you're afraid to make too much money because

you may lose friends or not fit in with those closest

to you anymore.

There is so much emotion around this,

but what if you could become confident and be the controller

behind your money situation?

And I'm not saying to keep striving for more and more

and more,

I mean,

knowing and managing dollars.

So they work for you and the life you want to

lead. I'm thinking we should just dive right in and I've

been excited to say this here is Johnny today.

We're going to be talking with Johnny McWilliams.

Johnny is a certified Ramsey financial coach,

helping people with their relationship with money.

After working in the areas of a real estate tax preparation,

insurance, financial investing,

and completing an MBA.

He decided not to sell financial products.

He's taking a different approach to money.

Johnny's passionate about providing practical biblical principles to guide his clients

as they zero in on their financial target through his blog.

Zero in on this Johnny writes about the seven specific targets

everybody needs to focus on.

He teaches his readers to have a purposeful point of view.

When it comes to the financial resources,

they have the privilege to manage.

He believes that money is merely a tool used through the

journey of pursuing one's unique purpose.

Johnny, welcome to the gift biz unwrapped podcast.

Thank you so much,

Sue. I am so excited to dive into the money mindset,

but before we do,

I've got a traditional question here.

And that is for you to share with our listeners a

little bit of something different about you,

and that is describing yourself through a motivational candle.

So if you were to tell us what your candle would

look like by color and quote,

what would that be?

Johnny? Well purple of course,

because purple combines the calm stability of blue and the fierce

energy of red and the color purple is often associated with

royalty nobility,

luxury, power,

ambition, and purple though.

It also represents wealth and wisdom many times.

And if you follow along on my Instagram,

one of my themes is actually the intersection of wealth and

wisdom. So purple is the color.

And the quote I would say is what I usually say.

If someone asks me,

how are you doing?

I always say blessed beyond belief because I am definitely blessed.

And it's usually beyond belief because I can't believe all the

things that are just so awesome in the world and the

great country we live in.

So that's my expression.

Bless beyond belief.

I love it.

I actually thought you were going to say green for your

color. And just because of financial,

I don't know why that would be just an assumption,

but I like yours way better.

So that's perfect.

My company colors are actually purple and green.

So purple is the primary greens the second.

Well, there you go.

So I was kind of right.

Anyway. All right.

So talk us through how you got to where you are

and this whole idea of taking a different approach to money.

So share a little bit of your backstory with them.

Yeah, absolutely.

Well, it goes way back,

cause I've always been kind of a serial entrepreneur.

I remember my first company when I was like a teenager

and I come from a creator and a maker background I

started off with,

as a printer goes back when we had printing presses,

we made things by putting ink on paper and I was

really into printing and I used to make a lot of

crafts and a lot of different things for people,

for their businesses,

for their personal life.

And I went through several different companies.

One of the companies,

actually, I was making mugs and special design mugs with different

quotes on it.

I'm actually drinking tea out of one of them right now.

And I called them joy mugs.

Then something happened when I was actually in my fifth company

and everything fell apart.

I financially collapsed.

I ended up getting my house for a closed my car

repossessed. I claimed bankruptcy.

Chapter seven ended in divorce.

It was actually a terrible time.

And I kind of had to wake up from this period

of time.

And I said to myself,

what did I do wrong?

What am I doing?

And I realized,

even though I understood crafts and I understood how to make

things and how to sell,

I didn't understand money.

So I went on this journey of learning everything I could

about money.

I mean,

I learned in study credit scoring and taxes and real estate

and insurance and every aspect of personal finance.

And I found out that people really need a guide and

really need a coach.

And that's what really intrigued me about being a financial coach

and what led me to starting a company zero in financial.

So I'm thinking that everyone's freaking out right now.

Cause they're like,

I don't understand money.

What just happened to Johnny?

Is that going to happen to me?

When you say you didn't understand money,

were you feeling like you weren't pricing products,

right? Or you weren't sure how to manage your money in

a business environment?

Or can you tell us a little bit more about that?

Yeah, it was,

it was much more foundational.

I know that I didn't understand how to budget the most

foundational tool for personal finances and business.

Finances is a budget telling your money where to go,

instead of wondering where it went.

And I didn't have a plan in place on how to

use money,

how much I needed for the month or for the year

kind of forecasting all those sorts of things.

And that's exactly what I teach my clients now on a

personal level and on a business level,

because they're intertwined as you know,

right. I'm so glad you said that statement Right now,

because if you recall,

when we were talking earlier,

you made that comment and all of a sudden I'm like,

wait, I need to know more about this,

but maybe we need to be talking and sharing this with

everybody. When you were saying,

telling your money,

where to go,

because it's a much more directional,

conscious, strategic approach than just having the money,

throwing it where you think it needs to go,

or because you have a bill from somebody with a product

you're not even sure that you need for your business.

And it just like disappearing without you even knowing For sure.

I feel like a budget is a tool that gives you

freedom. And really a lot of people think of,

Oh, budget is going to restrict me.

And really the budget allows you to tell your money where

to go and understand the areas that you hold dear,

as you put them in different categories and go forward.

It's kind of like meal planning.

I always say,

does a meal plan make you feel like a captive when

you go grocery shopping?

No. It actually tells you what you want to shop in

the store before you go there.

And the same thing happens with the budget.

Oh, that makes sense.

So it's kind of like going into the grocery store already,

knowing what you're going to make that night and you know,

specifically what you need to get to accomplish that versus not

having a choice you're going to go in and like figure

it out when you're in the grocery store.

Right. I got it.

And explain to me,

like, I was really captured with what you said in your

intro about providing practical biblical principles to guide your clients.

What does that mean?

So the big turnaround when I started to understand money even

more is when I went through financial courses,

specifically financial peace university by Dave Ramsey.

And a lot of the principles that he uses were from

the Bible.

He always said,

this is just common sense for your dollars and cents that

God and grandma will tell you.

So it's really basic foundational principles that give you trues about

money. For example,

the borrowers or servant to the lender is a scripture that

really tells you,

okay, when I borrow money,

that means the lender is telling me when I can pay

what I have to do.

But if I don't borrow,

then I tell the money where to go.

So when you use the Bible and a lot of these

principles, which by the way,

there's 2,350

verses in the Bible about money.

So maybe it has a little bit to say about it.

When you use that in your life,

it really gives you a guide and a pattern that works.

It has worked for many,

many, many years.

I really liked that because I'm thinking money.

It can be really great or it could be really evil.

And I'm thinking of mindset here.

And what you're just talking about right now is the purity

of money,

right? What God and your grandmother would tell you to do

versus I'm thinking gambling or any type of addiction where you're

having to find money at all costs,

things like that.

You could see two diverse ways just in living,

right? And then you overlap that of course,

with applying it to business because we need money to live.

Let's just face it.

Unless you're living in a remote village in the jungle,

you have to have money to live.

Yeah. I would really say that though,

money is amoral.

Meaning it's not good or evil.

It's really a tool.

And it is only going to do what the still a

expression from Dave Ramsey.

It magnifies what the person is that is using the money.

So if the person is a crook and you give them

money, they're going to be at colossal crook.

But if they're a giver and they like to bless people

and you give them money,

they're going to become a philanthropist.

It basically magnifies whatever you already are.

So if you are a greedy person,

more money is going,

gonna make you more greedy.

But if you are a loving and giving person,

it's going to make you even more loving and giving,

Oh, I like that.

I always tell people,

well, I haven't actually talked about it lately.

So I can't say that,

but I always have believed in this,

that if you're starting a business,

only for the financial outcome to make money,

you're never going to succeed because there's so much more to

business. You've got to love what the benefit is that whatever

you're doing provides to the customer,

to the end user,

right? And so here at gift biz,

unwrapped, we're all makers.

So I call our audience,

gifters bakers,

crafters, and makers.

And what I hear from,

and you guys get biz listeners are going to reinforce this.

Cause this is what you're saying is they make something that

they love so much.

They want to share it with the world.

So I'm putting us all lumping all of us on the

good side of the equation of what you just said.

Awesome. But I also feel like we have mental.

I don't know if I want to say challenges or hang

ups or there's a stigma that we have around money.

Sometimes that gets us hung up.

You know what I mean?

Yes. And I would challenge all of your listeners and your

people to really dig deep and define what success is for

themselves. Because people from the outside might look at you and

say, you're not successful because they're looking at money as a

metric or the clothes you wear,

or how many Instagram followers and how many Pinterest pins you've

had, or how many subscribers you have.

And are those really going to define you as being successful

or not?

And the way I take people to their true definition of

success is like you have mentioned many times on your podcast

is to really understand your why.

If you go deep and you ask why you're doing this,

why are you really in this business?

And then when you get that answer,

ask why again.

And that's why,

again, to keep going deeper and deeper.

And if you're wide,

does it make you cry?

You haven't gone deep enough.

And once you hit that,

why then you can say now,

how do I become successful in that particular level?

And that's your true definition of success.

If your,

why doesn't make you cry,

it's not big enough.

Yeah. It's not big enough.

And you're not committed to it at enough.

I guess I would say,

you know,

we bounced around the word passion all the time,

right? Like you've got to be passionate.

I love what you just said here.

If your,

why does that make you?

I agree.

And you know,

we see evidence around us all the time,

that money does not equate to your why or that soul

enriching feeling that you're living the right way.

I guess I would say,

I know that's getting a little bit deep,

but like you hear about people who win the lotto and

they win millions of dollars and five years later,

they're bankrupt again.

Or you hear about people who you would think,

have it all,

maybe they're rock stars or movie stars or these big social

media icons,

if you will.

And then you come to find out later that they're really

not that happy.

Yes. Yeah.

That's where your relationship with money really comes into play.

Because if you understand that money is not the measurement for

success and money,

isn't really directly tied to your why,

but really goes through all these other layers of you serving

your clients and your customers.

Then you can really start to have the proper relationship with

money. So what is money really then,

I guess,

besides the obvious that we needed to buy food and like

he live in somewhere apartment or house or something like that,

it's a tool you saying,

yeah, Money is a tool.

And obviously you can buy tools with money.

So, and I'll take your business.

And if you buy a ribbon maker,

then that ribbon maker by itself is absolutely useless without you

having a strategy and a product that you're going to create

something with it.

And that's the way money is,

is it's just that tool that you're going to use to

for an end,

for a specific purpose to fulfill your purpose,

which circles back to the why combat the way.

Exactly. Yeah.

Got it.

So I know Johnny,

through your blog,

you talk about seven specific targets that everybody should be focusing

on. I'm really curious about what that means,

like what the targets are and the purpose for targets,

things like that.

Can you share that with us?

Absolutely. Yeah.

First of all,

it's targets because you're zeroing in,

when you're zeroing in on like a site on a gun

or a bow and arrow,

you're shooting towards your target.

So these are the seven targets that you need to aim

at in general for anyone's plan.

Now there are specific things for everyone because everyone has a

different plan.

So there are targets that are going to be unique to

you, but they all pretty much will fit into these seven

targets. Well,

I'm thinking also to get the right information,

that's why you're saying you need to know your why,

like you really need to know what's going to make you

happy and what you're striving for,

because if you don't your targets,

aren't really going to match up.

Correct. Perfect.

Gotcha. Okay.

So everyone's plan would look a little different than right?

Oh, absolutely.

Yeah. So the plans are always custom tailored.

So if you were to do it on your own or

work with a coach,

it's just like when you go to the gym and you

get a fitness coach,

nobody's two plans are going to be the same as far

as how much weight you want to lose,

how much you can lift.

So it's just like physical fitness.

You're really good at analogies.

Johnny. I'm liking this a lot.

Okay. So let's talk about what the targets are.

So first one Is to prayer flea plan.

This is of course makes sense is if you don't start

to really focus on your why and understand your purpose in

what you're doing and why you were made to do what

you're doing and plan accordingly to that.

Yeah. You're not going to really have much success in the

rest of your finances.

So you want to plan and pray around the plan,

that specific for your why.

Yeah. So really this isn't a surface level,

meaning at all,

like how I was just talking about,

like, if you're just going into business to make money,

you're not setting yourself up for the best possible outcome.

It's gotta be deeper than that.

It's gotta be inside you.

Yes. So that's what sets you up perfectly for the second

two targets,

because then you start to really talk about the money.

Cause now you've prayed for the plan.

Now you can talk about increasing your inflow and optimizing your

outgo. These two targets are just like,

it sounds inflow is all your streams of income,

whether it be sales or affiliate income or anything you can

imagine there is streams of income and optimize your outgo,

which of course is spinning wisely.

Why are you putting certain things in certain areas?

So increasing your inflow and optimizing your outgo are absolutely pivotal

after you have prayerfully planned.

Got it.

I understand this perfectly.

Okay. And we're not even halfway there yet.

This is really capturing your budget numbers,

right? Like determining how much you have to start with,

I guess,

where money's going to come in from,

and then what you're going to consciously be spending money on

and that kind of circles back into inflow,

right? Yes,

absolutely. They circle back around each other kind of,

When I teach and coach people to budget,

we want to make a zero based budget.

And I always say it rhymes because he may sense inflow

minus outgo has to equal zero.

So every month,

all the inflow,

where to go as in where to go out and that's

going to equal zero,

But don't you want to be making money?

Oh, absolutely.

Yeah. So I'll go.

Does it have to be spent?

I'll go.

Can just go with a savings.

Retained earnings is a huge part of algo because you have

to keep money for later for future things.

You might want an emergency fund.

I think everyone should have an emergency fund,

but you also want money for inventory and that sort of

stuff. And that's all outgo.

So when you look at a budget in flow,

is all streams coming in,

which could come from retained earnings and outgo is all the

money and going out,

which could be going to retain earnings.

It's kind of like a profit and loss statement,

right? Oh yeah.

And that I don't want to get into too deep into

accounting because No,

and let's not because I am not a lover of numbers

for sure.

But that makes sense.

So that's where your zero comes from.

And the important point there that you were just saying is

placing your money somewhere.

That's what we started talking about in the very beginning.

Right. Being very conscious.

It's kind of like when you have an employer pull from

your check automatically and so don't even see the money,

it just gets saved on the side.

Yes. Similar type thing.

But here you're consciously controlling it and telling it where to

go. Yes,

absolutely. Yep.

Love it.

Okay. So what's step four.

So then we are going to demolish debt.

Okay. I don't think that people should get out of debt.

I think they should demolish debt,

meaning it needs to go down fast.

Like, I don't know if you've ever seen a building being

demolished, but it's not like one brick at a time and

it's a slow process.

No, we demolish.

It goes down fast and I show people how to demolish

it so that it's out of their life forever.

Do you need some type of debt just to keep your

credit history Stay tuned for Johnny's answer to this question and

the final targets right after this short break.

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Which leads me to the next target.

Cancel credit because I do not.

I think that I'd love in your book,

how you talk about growing organically and how to really just

be able to grow at the speed of cash,

meaning that you can start small in your business.

And as you make money there,

you move to the net.

Step in,

you have a systematic growth to your business where you are

not leaning on creditors.

Cause that's really adding risk and pressure that you don't even

need. Business is already hard enough by itself.

Why do you need more risks?

So if you grow up the speed of cash,

Oh my goodness.

It's so freeing and allows you to really enjoy business so

much more Grow at the speed of cash.

You have a lot of quotes here.

We may need to go back and redo your candle.

You may need like seven candles.

Sure. But I'm thinking that through what you're saying in terms

of, okay,

so you grow at the speed of cash and it's true

because you know how,

if you're talking with someone who wants to sell you something

where you get into a situation where you just feel like

they are going to push and sell you no matter what,

because they have to like,

it's almost life or death that they have to get the

sale. And that feels terrible.

And so if I'm thinking as makers,

like if people are coming up to us at craft shows

and we're forcing product on them,

because we're desperate because we have to sell certain amount to

recover our cost for the shower.

It's like that kind of mindset versus mindset of my product

is so awesome.

That's going to give you this and we're going to talk

with about candles here.

It is going to enhance the ambience of your home.

We've got great sense for autumn.

You're just going to love it so much.

And with the feeling of wanting to share that with a

customer versus being desperate about getting the sale.

I love that when I was in sales and I've done

all kinds of sales in the past,

when you have borrowed money for that product and you're selling

it, just like you're saying,

we used to call it commission breath in the customer,

they could smell it like the Koser and like knows like,

Oh, this person's like trying to pressure me into it.

Instead of really from their heart show,

how it's going to serve me and solve an actual problem

that the customer has.

And yes you are.

Absolutely. So I'm excited.

Cause we have two more.

If biz listeners are you trying to figure out what the

last two are,

why don't you share with us?

So strategically save.

So you do need to strategically save and you save for

multiple things.

And actually there's a freebie on my website.

That's a savings guide that shows you all the different areas

you should save for.

So I'm gonna go into all of the different areas,

but you have to save for different things.

I mean,

part of his like products that you need,

you need to save up for future purchases,

but you also has emergencies.

You also have repairs and things like that.

I always think about when you're in your house,

you have certain things that you buy every month,

but you know that certain things are going to have to

be replaced in say five years or three years.

And you need to save up for those things too.

Right? And there's potentially college.

If your children are going to college and there's retirement,

and let's not forget about that vacation that you really want

to go.

You know what Christmas seems to sneak up on people every

single year.

How does that happen every year?

Every year.

So we really look at that because when you systematically saved

throughout the year,

I'm just going to take Christmas as an example,

if you save 50 bucks or a hundred bucks a month,

starting in January,

by the time you get to Christmas,

you have a pile of cash there that you can just

go buy whatever you want for everyone.

Instead of wondering,

Oh no,

I don't have enough money.

Where am I going to get it for this person?

Right. And then hopefully staying within your budget so that you're

not paying off Christmas into March of the following year.

Dictations are the worst of that.

I know so many people that came back from Disney world

and they're still paying for it like six months later.

Yeah. Well Mickey has that effect on you.

Okay. Strategically save.

I love that.

You know,

it's devastating to hear how many people live paycheck to paycheck,

78% of Americans right now I get with what we're going

through. I'm not wanting anybody to feel bad who's in that

situation. But thinking with an eye towards doing something different is

where we're trying to go with us.

Yes. And the number really hasn't changed much over the last

few years.

It's been in the seventies as far as the households.

And it's definitely not something to feel bad about,

but it's something be aware and say,

okay, maybe I need to learn how to handle finances and

I need to get help.

So it's a great awakening For sure.

And just the feeling of not being in debt and having

a little bit of a kitty that you can dip into

when you need to just there's enough pressure in this world

and enough stress and enough tension that if you can control

something like that,

where at least,

you know,

you have some type of a buffer,

it just makes things so much easier.

Well, thank you.

If you had no debt and you had savings sitting on

the side and an emergency happens that emergency just turned into

a, just an inconvenience.

I like that,

but it's hard to get there for sure.

You've got to intentionally plan to have that be your outcome.

Well, I hope I make it easier for my clients to

get there.

Go. That's why we all need you and bringing it home

here. What's number seven.

So obviously after you've gotten to this point and you're like,

Oh, I have no debt.

And I know I'm in a plan.

That's aligned to my purpose.

And I have money set aside and I don't have the

stress that I used to have.

I mean,

what more joyful thing can you possibly do then to generously

give? And that last target of generosity is the most fun

you can have with money,

by the way.

I mean spending and all that,

it seems like it's fun,

but I'll tell you what,

when you give there is nothing like it.

I think I read somewhere that something chemically happens in your

body when you give,

like you're not just helping whoever your contributing to or whatever,

but there's something that is fueled within you to just a

sense of satisfaction.

Or I'm not sure if it's chemical or what it is

Just by the person in the person in line behind you

at Starbucks,

just pay for their drink and watch what happens.

I mean,

this is like five bucks or whatever,

and your heart starts racing.

It's crazy.

What happens when you're generous even a little bit.

And by the way,

generosity does it always have to be with money.

I actually have a blog post as how to give big,

without spinning a penny.

And it talks about all the ways you can give and

it doesn't even have to do with money.

Oh, that's interesting.

Can you pull up a couple of those by way of

example for us here?

Yeah. Well obviously giving of your talent,

you have a hugely talented audience listening.

They have so many skills.

And what if you were to teach some young teenager or

somebody who's home and doesn't have a way to make money

and you give your talent to that person and show them

how to do something with a craft that could change their

life. I mean,

it's gonna be a life changing thing.

It's kind of like teaching someone how to fish instead of

giving them a fish.

Yeah. I mean,

when you use your talents to bless other people,

that's a huge way to give.

I'm glad we talked about this because I would say that

my audience here are huge givers,

but I'm thinking when I'm looking at your seven,

there's an order to this,

right? So one builds on top of another.

I think we start giving at the two or the three,

like a lot of people under price,

what their product's worth.

A lot of people don't account for the time that it

took them to make a product.

They just zero that out.

So that's not included in the price at all.

And so that's one place I would suggest where my audience

gets tripped up.

We're so giving that,

then I think it cuts us off at the knees.

And then doesn't allow us to give into the great level

that we possibly could.

If you give too early,

what do you think about that?

When I started coaching,

I used to think that I had to give away my

service and I saw certain people who were like,

Oh, they're in desperate straits.

And they said,

Oh, you know,

I can't afford to pay for coaching.

So I would give it to them to this day.

I cannot believe,

but I'm talking dozens of people that I used to give

my service away to.

None of them have made any substantial changes in their life.

Whereas every single person that I charge has made changes in

their life is not always a good thing to give.

First of all,

for the customer I'm talking about for them thinking of them,

but then for yourself,

just like you said,

you have to increase the inflow,

optimize outgo plan,

do all of these things before the generously giving part,

because you have to keep going.

You have to be sustainable and your business needs you before

you can give to someone else.

Yeah. And then you'll be able to continue giving Pretty much.

So. Yeah.

It's kind of like the airplane analogy that you need to

put on your own mask before you can put the mask

on someone else.

Right? Exactly.

So what do you think of some of the baggage,

maybe I'll say that we grew up with that we're maybe

taking into our thinking with money today.

Yeah. I noticed that a lot of people grew up in

different ways.

Some people money was taboo.

When you never talked about money in the household,

like your parents was like sex and money are two topics

you just don't talk about.

And then you just,

so you kind of went along thinking that this was something

that you can ask for help about and you kind of

just wander and make a lot of mistakes on the road.

And because of that,

you have a lot of stumbling blocks when it comes to

discussing and really digging deep when it comes to this topic.

And when we're able to start talking through that and getting

out of that cycle,

that's when I really find people have a lot of success.

Then there's others though that grew up where money was a

hostile subject at home.

And this is probably the hardest one to have to deal

with. But when you saw your parents have money fights,

for example,

it really has an effect for you and going forward in

your relationships,

not just with money,

but with other people,

that's a lot of things that we have to work through.

And that's why coaching is so important.

Yeah. Because I'm thinking with both of those,

the effect would be not to share what's going on,

which can lead to problems that get compounded and then are

hidden. Then they finally have to come to the surface and

then it looks very disingenuous because you are hiding something from

your spouse.

For example,

I'm thinking that's one way it could happen.

And then also just the idea of not reaching out for

help. Like if things just quite aren't going,

right. Listen,

especially as makers with us,

like, you can't know everything,

you can't know business,

you can't know the expertise and skill of your craft and

money and marketing and like everything.

So it's okay to rally and bring in some troops to

help you out.

Absolutely. It's always just great to ask for help in every

area of life.

So what do you think for someone who's listening?

And they've never really thought about this before.

I mean,

we've really been kind of black and white about money.

We make products.

We want to make money so that we can build our

business, have some money in our pocket and continue making the

product so we can continue to sell.

But we've never been as strategic as you're laying things out

here. Where does someone start?

You must start by just admitting to yourself that you need

to learn more.

I know people who say,

Oh yeah,

I can handle money.

And they are unwilling to grow.

You never know everything as you know,

And it's okay not to know everything.

Exactly. If you say,

you know what,

I don't know,

everything. I can always learn more.

So start tapping into resources in which you can start to

learn more.

And there's so many resources.

Yeah. Well,

you were mentioning earlier your savings guide.

Yeah. I have a lot of freebies that you can get

from my Instagram.

You can download guides and little helpful post in that sort

of thing,

which will just be able to maybe move you closer to

where you want to be in certain areas and these seven

targets. Okay.

And your blog and give his listeners.

We'll have all the links then over on the show notes

page, as you know,

from every show.

So you'll be able to go and see Johnny,

but also Johnny,

if there was one place,

someone who's out walking right now and just wants to know

one place where they could go find you,

where would you suggest they go Instagram zero in financial,

Zero in financial.

Yep. Okay.

Fabulous. And as you're moving forward,

Johnny, what are you seeing for zero in financial?

What's your future look like?

My ultimate goal is just to have a thriving community membership

site. I was going to go with Facebook sort of group,

but I see the power of membership sites and being able

to go in and have group coaching sessions,

be able to share with each other.

Everyone can learn from each other.

I learned something every minute of the day.

So I love the community aspects and we need to start

talking about money just as a community,

more as a business community,

as different communities in our lives.

We need to talk about it.

And that's what I want to create ultimately.

And it's not there yet,

but I'm working on it.

Well, that's why I asked you what's coming next.

Right? Cause we're all a work in progress.

We're all moving towards something different,

bigger, greater something that continues to fulfill us,

you know,

all that kind of thing.

So you were mentioning to earlier there was a program that

you would recommend for everybody.

Yeah. I mentioned Dave Ramsey's financial peace university and this is

the program me and my wife went through.

We've not do it several times because it is life changing

is very simple.

It's not scary.

It's actually really funny and he makes finances fun and I

highly recommend it.

I'm actually coordinating a class.

It's a volunteer thing.

I don't make any money from this,

but I coordinate some FPU financial peace university classes.

And one starts actually,

as of this recording,

it is probably in week two,

but there are many classes that are going on continuously throughout

the year.

And I always do a class at least two or three

times a year.

And you can find out when I'm coordinating a class right

on my website@zeroandfinancial.com.

Perfect. Well thank you so much.

This has been so interesting.

And I think it's given all of us a little bit

of a different way to look at money and not be

afraid of it.

And I think the biggest thing is control your money,

tell your money where it should go and then also reach

out and ask for help.

Those are my big takeaways here.

Is there anything else you would add?

Any words of encouragement to my listeners?

Yeah. One more thing that I really highly,

highly recommend,

and that is to be continually reading.

I want to challenge your audience even to put reading on

your calendar on your,

to do list and make a point to continue reading books,

because there are so many great books to help you along

in every area of life.

I wouldn't recommend born to win,

which is a book that really helps you as a person,

as in sales and really to have the courage and the

confidence in yourself when it comes to being in business for

yourself and that's born to win and it's by Zig Ziglar,

The Zig man.

Love it.

Okay. Dice.

This has been super thank you so much for your time

today. Sharing your seven steps and we'll go over them.

We'll look at your blog.

We'll see your Instagram and check out your class.

Thanks again.

I really appreciate it,

Johnny. Thank you so much.

Sue, Does your Y make you cry,

grow at the speed of cash money magnifies what you really

are so many good points to ponder here.

I can only speak for myself to say that once I

got control over my money,

the stress level went way down and I'm not talking about

having lots of money.

I'm just talking about using the money that I had in

the best way to reach my goals.

You've heard me say this before I started all three of

my businesses without a loan of any kind I used what

I could afford to invest to get started.

And then I built from there.

That's what I teach everyone inside my programs too.

You don't need thousands of dollars to start that business of

yours. And guess what?

With Facebook shops,

you don't need any money at all.

Just the desire to share your product with the world.

The link again,

to learn how to set up and sell on this platform

is gift biz unwrapped.com

forward slash Facebook shops.

And while you're taking notes,

make sure to Mark the calendar for next week or subscribe

if you haven't already.

So you'll get the show ready and waiting for you.

We'll be talking with a well known art show producer who

will talk about what it takes to be a good exhibitor.

She'll give display tips and also present a new sales platform.

You may not know about yet.

Honestly, you don't want to miss it.

Thanks so much for spending time with me today.

If you'd like to show support for the podcast,

please leave a rating and review.

That means so much and helps the show get seen by

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It's a great way to pay it forward and for now

be safe and well.

And I'll see you next week on the gift biz unwrapped

podcast. Bye for now.

I want to make sure you're familiar with my free Facebook

group called gift is breeze.

It's a place where we all gather and our community to

support each other.

Got a really fun post in there.

That's my favorite of the week.

I have to say where I invite all of you to

share what you're doing to show pictures of your product,

to show what you're working on for the week to get

reaction from other people and just for fun,

because we all get to see the wonderful products that everybody

in the community is making my favorite post every single week,

without doubt.

Wait, what,

aren't you part of the group already,

if not make sure to jump over to Facebook and search

for the group gift biz breeze don't delay.