Not Just Revenue
Emilie Nutley
Not Just Revenue is the podcast for online business owners who are done chasing bigger revenue while wondering why they're still not paying themselves what they expected.Hosted by Emilie Nutley — revenue strategist, business mentor, and qualified financial adviser — this show explores what it really takes to build a business that funds your life. From predictable sales and profitable offers to owner's pay, cashflow, and long-term wealth, every episode challenges the idea that more revenue is the answer.Because the goal was never the biggest Stripe screenshot. It was building a business that reliably pays you, gives you options, and supp...
Episodes
Ep 44. The most expensive thing in your business
In this episode of Not Just Revenue, I’m talking about what’s costing you the most money in your business: indecision. Overthinking keeps you stagnant, and stagnancy kills momentum and income, so I’m sharing why “fail faster” matters, why you can’t predict the future, and why I don’t believe there’s a right or wrong decision — only the decision you make right and what you learn from it. I also unpack investments, buying habits, and why community inside group programs can create ROI through relationships and referrals. Then I challenge you to make one decision today and keep moving.00:00 Retreat Reflections04:05 Indecision Costs Money05:15 Fail Faster Mindset06:38 Investing Without Guarantees09:55 Community ROI Secrets11:46 Marketing Lessons Not Blame15:59 Make Decisions With Support19:52 Stop What If Spirals22:54 Take Action Today25:02 Keep Moving Forward✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://revenue.emilienutley.co.uk
Ep 43. What would happen if your marketing worked REALLY well tomorrow?
In this episode, I’m reframing the “I need better marketing” narrative by asking: if your content went viral tomorrow and right-fit clients flooded your inbox, what would actually happen? I walk through the practical stuff most people don’t plan for... capacity to deliver, whether your payment plans and pricing would create enough cash (even if you’re fully booked), and how a single great month can disappear fast if you’re spending from scarcity or not thinking long-term. I also dig into offer mix and waitlists: if you’re booked out months (or years) in advance, what can people buy now, and how do your offers work together? The point: marketing isn’t usually the real problem, business design is. I’m enrolling 1:1 clients for a November start, with extended payment plans for booking ahead.01:56 Viral Growth Examples05:05 Can You Handle Demand05:32 Pricing And Payment Plans08:58 Capacity And Offer Mix13:54 Build A Business That Holds15:06 Simple Strategic Marketing17:41 Success Without The Show✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://revenue.emilienutley.co.uk
Ep 42. When and how to offer a payment plan
This week I’m talking payment plans... what people get wrong, and how to offer them in a way that supports the right-fit clients while keeping you profitable and covered. 00:57 Payment Plans Overview02:35 Legal Rules07:13 Premiums11:39 Bonuses15:32 When Plans Make Sense19:30 Cash Flow Math25:52 How to Model Your Numbers✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://revenue.emilienutley.co.uk
Ep 41. How to know if your revenue problem is leads
I break down how to tell whether your business truly has a leads problem or whether something else is blocking consistent sales and revenue growth. 00:42 Do You Need More Leads03:31 When It Really Is Leads11:55 Set a Real Revenue Goal17:14 Offer Must Match Goal19:36 Invite Your Audience In24:20 Stop Broadcasting Start Selling26:34 Revenue Without Take Home Pay31:00 Maxed Capacity Raise Prices32:07 Are You Chasing Growth✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://revenue.emilienutley.co.uk
Ep 40. How easy is it for you to take time off?
I’m back after taking two weeks off podcasting, client calls, and most day-to-day work... and I’m sharing how I made it work without my income or salary taking a hit. I explain how profit gets allocated (tax, pay, debt, pension, etc.), how overflow protects your pay in slow seasons, and how I also use revenue design and consistent sales goals. 02:32 How I Took Time Off03:30 Client Calls And Boundaries08:52 Therapist Client Case Study10:21 Cashflow Visibility Basics15:07 Overflow After Profit Explained18:43 Revenue Design Constant Sales✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 39. They doubled their revenue in three months
I kick off by ranting about an overcrowded, overpriced train journey with my family, being told there was “no room,” then watching first class stay empty unless you pay extra, before pulling out the business lesson: treat everyone like a customer, no matter what they spend, and give your warm leads VIP-level care. Then I celebrate client wins from June–August. 00:31 Train Chaos Storytime08:38 Client C20:55 Client H 28:07 Client E 31:23 DISCO Revenue Design Framework32:20 More Client Wins ✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 38. "I'm just not a numbers person" is doing more damage than you think
In this episode I'm challenging the belief that you’re “not a numbers person,” because numbers touch every part of business: income goals, pricing, capacity, audience growth, conversion rates, content strategy, cash flow, and decision-making. I explain how outsourcing to accountants or bookkeepers without understanding your own numbers creates guilt, avoidance, and bad investments, and I also remind you that big revenue claims online don’t mean someone is keeping or managing that money well. My point: you don’t need mental maths... use tools, spreadsheets, and even AI, but you do need to understand your numbers to grow sustainably.03:06 Not a Numbers Person06:59 Outsourcing Without Understanding11:24 Online Wins vs Reality14:41 Numbers Touch Everything16:23 Numbers in Business Basics21:15 Why Generic Advice Fails✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 37. No, you don't need a launch
I’m talking about why so many people think they “need a launch” and why launching on its own isn’t a strategy unless it’s a strategic decision. I share four non-strategic reasons I see all the time and explain why you should validate an offer and have systems ready before spotlighting it, and I land on the simplest alternative: make an invitation to your offer every day. I share examples of DM follow-ups and how consistent selling creates inquiries and sales without a big launch.01:20 Why Launching Feels Necessary05:46 Evergreen Versus Launching07:56 Launch Planning As Procrastination14:43 Launching To Avoid Problems21:45 Shiny Object Syndrome24:38 Revenue Savior Myth26:47 Validate Offer First34:13 Selling Is Business✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 36. Hills I will die on as a revenue strategist
In this episode I share four hills I’ll die on as a business strategist: simplify your offer suite down to one core offer so you can actually learn to sell, market, and deliver it repeatably; pay yourself a realistic consistent set salary; understand your own numbers even if you have an accountant/bookkeeper; and commit to messy, consistent execution — because that’s what keeps the business moving.01:25 Instagram Prompts Boost03:34 Episode Theme Messy Action06:52 Hill One Core Offer20:05 Hill Two Pay Salary25:19 Hill Three Know Numbers28:36 Hill Four Messy Action✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 35. How I convert 80% of sales calls
This week’s episode is all about sales calls and conversions, because I’ve had a flurry of interest and my sales call conversion rate is around 80%. The reason it’s so high isn’t a script, it’s that my business is designed so people are basically already sold before they book...01:41 Why Sales Calls05:08 Revenue Goals and Gaps08:28 Positioning That Sells12:18 Offers That Fit17:37 Messaging and Market Research19:20 Sales Call Approach24:09 Why Conversion Is High✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 34. Dopamine seeking in your business
This week I'm talking about dopamine chasing in your business, and I'm calling myself out. I get into the difference between dopamine seeking and plain old scarcity, why repeatable revenue is never an accident, and why the businesses that actually compound are the boring, held-steady ones... not the ones throwing spaghetti at the wall every time a launch goes quiet.02:04 The Almost-Launch03:38 Meet The DISCO Framework08:04 Dopamine Chasing, Explained12:00 Dopamine Seeking vs Scarcity15:01 Repeatable Revenue Is Designed✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 33. Treat your business like a business
This week on Not Just a Revenue, I’m ruffling feathers after a Threads conversation about whether a Gmail address changes how people perceive your business... That spirals into a bigger point: so many things we normalise online wouldn’t fly in “real” businesses, and if we want people to spend serious money with us, we need to look and operate like we mean it. I’m calling myself out too for playing small, charging pittance, and setting “safe” goals that shrink my income. 00:32 Gmail Debate Spark02:16 Treat It Like Business05:59 Signs Of Playing Small09:00 Bigger Goals Mindset15:35 Sell First Then Hire17:47 Followers Versus Revenue✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 32. Your client journey is missing a few steps
This week I’m talking about auditing your client journey, because I keep seeing the same gaps where people are missing out on potential revenue. I break the journey into five stages: cold leads, warm leads, hot leads, current clients, and past clients, and I share what to look for at each point. If you want help mapping and simplifying all of this, I share how we do it inside my 1:1 offer, Momentum.00:53 Why audit journeys03:16 Five journey stages07:46 Cold lead clarity10:53 Warm lead nurture13:52 Hot lead conversion23:16 Nurture current clients26:32 Past clients referrals✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 31. Simplify your business and profit
In this episode I share how to simplify an online business that’s become a franken-business from too many strategies, offers, and platforms – stressing that the only things that really matter are you and your client. 00:20 The Franken Business Problem03:03 Simplify Your Marketing09:07 One Core Focus14:15 Hit Your Revenue Goal16:49 Experiment and Repeat19:03 One Client Journey✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 30. Do you have a marketing problem?
In today’s episode I’m unpacking a question I think most business owners need to hear: do you actually have a marketing problem, or is something else broken underneath? I share why I don’t see marketing conferences as the solution when most of us already “know the stuff” but aren’t doing the do, and why marketing should come at the end, not the beginning. Instead of starting with content and hoping for sales, I walk through flipping the process: set a revenue goal, build and price offers to hit that goal, use conversion rates and audience data, and then market based on what the numbers tell you. 01:59 Do You Really Need Marketing03:06 Marketing Comes Last06:06 Flip the Business Order09:28 Audience and Offer Fit13:11 Pricing and Sales Math16:45 Data Driven Marketing✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 29. Full time income on part time hours
In this episode I break down how I built a full-time income on part-time hours, starting in 2022 after having my son and returning to a part-time council job I hated while juggling limited childcare, postpartum depression, and undiagnosed ADHD. In late 2023 I hired a business coach and relaunched from my old finance account (25k followers) to a new brand and Instagram where only 10% followed. Within three months I replaced my corp salary, was fully booked, then launched a £15k offer, leading to consistent 5k months, a 2k take-home, and a predictable income model I now teach inside Momentum.00:00 Welcome Back03:06 Back To Work Juggle08:12 Relaunch From Scratch13:43 Replace Salary Fast18:46 Booked Out Chaos20:06 First Group Launch Win23:05 Financial Foundations Method✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 28. Changing your stance on something
In this episode I talk about why changing your stance in business can feel scary and why it actually shows growth and leadership. I share a real example from my own messaging and explain that my work hasn’t changed, just the packaging, and I reflect on people-pleasing, sales mindset, and staying open to new perspectives while holding nuance.00:00 Welcome and premise00:32 Why stance affects revenue02:22 The consistency contradiction05:21 Repositioning and messaging07:13 Selling what people want09:35 Owning business strategist role10:56 Fear of being called out12:45 People pleasing and money mindset15:36 Why changing views matters18:14 Nuance and leadership22:06 Wrap up and next episode✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 27. From tap happy to 5-figure savings
In this episode I share a client story about what happens when you’re earning enough on paper but still feel like you’re constantly scrambling. M was bringing in around £3k–£3.5k profit a month on retainers, yet kept dipping into business funds and savings. Within six months she had five figures saved (even after a month-long holiday), and by spring 2026 she’s had the baby she was saving for. 01:26 Money Missing Mystery04:02 Financial Audit Reveal05:43 Joyful Spending Reframe06:44 Shame Accountability Loop08:30 ADHD Spending Tangent11:38 Goal Ten Thousand Saved13:58 Fixing Monzo Pots14:45 Three Account System15:34 Realistic Budget Plan17:33 Results Five Figures19:10 Baby Milestone Payoff21:05 If This Is You✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 26. What to do when you need money, like, yesterday
This week on Not Just Revenue, I’m answering Krissy's question: what do you do when you need a cash injection by 3pm today? 00:00 Welcome and Listener Question00:34 Cash Injection Scenario01:30 Finance First Baseline02:43 Audit the Real Gap05:40 Cut Costs to Shrink Gap07:41 Find Hidden Leads Fast09:47 Reengage Past Clients13:52 Launch a Small Offer14:31 Use Feedback to Sell Out20:34 Quick Recap and Momentum✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 25. Stop making your budget so rigid
In this episode I share how two weeks offline on a Mediterranean cruise gave me the space to reflect on what I actually want to be known for, and why my business works best when I’m having fun. I’m not fully re-niching, but I am leaning all the way into being a business and money coach: combining business strategy, financial strategy, and the identity piece that stops people making money because they don’t believe they can. I also break down why rigid budgets don’t work, why no-spend challenges put you into scarcity mode, and why you need joyful spending money so you don’t end up overspending anyway.00:00 Welcome and Reset00:17 Cruise Reflection03:35 Chasing Growth Trap04:49 Owning Revenue Work08:31 New Role and Framework11:12 Offers Going Forward11:48 Budgeting Gone Rigid14:26 Scarcity and Overspending17:37 Joyful Spending Rule18:56 Wrap Up and Invite✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 24. Why you can't stop spending
In this episode I talk about why overspending happens and how to start getting control of it. First, I explain why you need to define “overspending” for yourself using a simple financial audit, so you’re not trying to live within unrealistic limits. Then I unpack three drivers of spending: the pressure of capitalism and consumerism, dopamine chasing (especially under stress), and the biggest one: identity spending, where purchases are tied to status, belonging, or who we think we should be. I share prompts to explore what you truly want versus what’s been inherited from others, and I leave you with one key question to ask before buying01:16 Define Overspending03:11 Capitalism and Consumerism13:21 Dopamine Spending Explained17:48 Identity Spending and Status22:50 Personal Examples and Journaling28:12 The One Question to Ask✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 23. Making Tax Digital
In this episode I break down what the new UK tax year means with the introduction of Making Tax Digital, especially if you’re a sole trader around the £50k revenue mark. I cut through the online noise (and the accountant fear-mongering) to explain why this change can actually make tax simpler and help you feel more in control of your money. I share what you really need to set up, how often you’ll update HMRC, and why you don’t need expensive software or to outsource everything. I also explain what still falls under the old system, key timelines to be aware of, and what I’m encouraging my clients to do right now so they’re not juggling multiple tax worries at once.FREE MAKING TAX DIGITAL TRAINING: https://emilienutley.myflodesk.com/nfcg321i8700:00 New Tax Year Alert02:00 Why MTD Helps03:19 MTD Basics Explained04:35 Pick Simple Software06:36 Monthly Reconcile Habit09:40 Quarterly Updates Made Easy14:11 Avoid Deadline Panic16:05 Who Must Register18:21 Resources And Next Steps✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 22. How investing in the stock market works
In this episode I break down how stock market investing actually works and why it’s been made to feel confusing and out of reach. I unpack the “boys club” narrative, explain how the financial services industry profits when you don’t understand investing, and show how seemingly small advisor and platform fees can seriously erode your returns over time. Using my own numbers, I compare DIY investing through a low-fee platform with going through a financial advisor and reveal the long-term difference fees can make. 00:41 Why Investing Feels Hard02:27 The Hidden Cost of Advisors04:55 Real Fee Comparison Numbers11:46 Why DIY Investing Matters14:28 Investing Basics Explained16:42 Market Dips and Long Term Growth18:42 Index Funds and Cashing Out20:18 Investing Like Business Investing23:39 Final Goodbye✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 21. 3 reasons your income has plateaued
In this episode I talk about income plateaus, when money is coming in but it’s stopped growing, and share what I’ve learned from my own experience of hitting consistent 5K months and later facing a drop in sales. I walk you through three core reasons this can happen and leave you with practical prompts to reflect on what’s really changed in your business so you can adjust with more patience and resilience.00:00 Welcome and premise00:42 Woo meets mindset02:34 What a plateau looks like04:26 Financial resilience lesson06:37 Reason one beliefs shift12:59 Reason two new leads17:31 Reason three offer switcheroo20:29 Reflection prompts and wrap✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 20. How to calculate your retirement number
In this episode I walk you through how to calculate your retirement number so you can stop guessing whether you’re on track. I talk about why retirement planning can feel more stressful for our generation, especially for business owners without workplace pension contributions, and the key differences between pensions for sole traders and limited company owners. Then I break down my five-step process for calculating your number.00:00 Retirement Number Intro00:35 Pensions Then vs Now02:23 Self Employed Pension Options04:38 Five Step Roadmap05:17 Step One Life Vision08:22 Step Two Cost It Up12:43 Step Three Find Old Pots13:22 Tracing Service Walkthrough17:15 Consolidate With Pension Apps20:53 Step Four Income Streams23:15 Step Five Calculate The Gap23:48 Example Using Calculators28:01 Wrap Up And Next Steps30:32 Final Thanks And Goodbye✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 19. People pleasing is killing your profit
In this episode, I dive into how people pleasing can quietly kill your profit, focusing on pricing and sales. I talk about undercharging to avoid discomfort, caving when someone pushes back, hesitating to raise prices for existing clients, and defaulting to discounts instead of holding your value. On the sales side, I cover how fear of seeming pushy leads to vague follow-ups, backing off when someone goes quiet, over-explaining on discovery calls, and not booking a clear next step. I tease a possible part two on scope creep, delivery, offers, business models, and marketing.00:00 March Check In00:18 Kitchen Reno Chaos01:18 Podcast Name Change02:19 People Pleasing Overview04:13 Pricing People Pleasing06:56 Raising Prices Confidently11:23 Stop Discounting19:05 Sales Follow Up Nerves23:45 Discovery Call Confidence26:37 Wrap Up And Part Two✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 18. How to increase your profit margins
In this episode I dive into how to increase your profit margins by pulling more than the usual two levers of earning more or spending less. I break down practical ways to grow income and how to review expenses with clear visibility and a return-on-investment lens. The key shift is getting specific about what “more profit” is actually for so you can choose the right strategy instead of chasing vague “more money.” 00:00 Welcome00:58 Profit Margins Overview01:51 Get More Clients03:12 Raise Your Prices → Grab the Confident Pricing Toolkit here: https://emilienutley.co.uk/pricing-toolkit04:40 Pricing Caps and Trial Runs09:29 Build an Offer Ecosystem12:27 Cut Expenses with ROI15:53 Define Profit Margin Goals17:48 Take Home Pay and Money Management20:58 Wrap Up✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 17. When to invest in your business + the mistakes I made
In this episode I share how I overinvested in my business despite my financial expertise. I outline what not to do when investing and then when investing can make sense. 00:00 You’re Over-Investing: Why This Matters (and I’ve Been There)00:47 My Business Origin Story: From Financial Influencer to Money Coach02:46 Fast Growth, Fully Booked… and the Cashflow Trap06:25 The Credit Card Snowball: Investing on Expected Future Growth08:12 When Growth Plateaued: Tight Cashflow, Mixed Debt, and Stress12:19 Reset Plan: Paying Down Debt and Building Business Reserves13:26 When NOT to Invest #1: Shiny Object Syndrome16:16 When NOT to Invest #2: Aspirational Purchases & “More Money” Myths19:37 When NOT to Invest #3–4: Affordability Rules + Desperation Buying25:09 When It IS Smart to Invest: Fix a Clear, Data-Backed Gap27:00 Invest to Increase Capacity—But Only When You’re Already in Demand29:11 Plateau Breakers: Mindset/Identity Support + Final Reflections33:16 Closing: Integrity, Lessons Learned, and Moving Forward✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 16. How to survive a low income season
In this episode Emilie discusses how to survive a low-income season in business. She shares her current situation: after hitting only 30% of a November launch goal and making no sales in January. Emilie outlines how financial stress reduces strategic and creative capacity (referencing the book "Scarcity" by Sendhil Mullainathan and Eldar Shafir) and argues that earning more doesn’t guarantee safety. Emilie introduces her framework for building “Six Figure Safety,” focusing on creating financial “more-than-enoughness” through predictable take-home pay, living joyfully without restrictive budgeting, and building lasting wealth. She describes building safety via revenue planning with a buffer (“overflow”), optimising profit, setting aside taxes, paying a consistent salary, and letting excess accumulate in the business to cover low-income months.00:00 Welcome + What a “Low Income Season” Really Means00:38 Personal Update: Illness, Low Energy & How It Hits Sales02:02 Why Financial Safety Matters (and Why “Just Get a Job” Isn’t Simple)04:14 My Current Numbers: The Launch Miss, No Sales & Cash-Flow Reality05:37 What People Do When Income Drops: Debt, Partner Support & Cutting Back10:59 Scarcity Mode Explained: Why Financial Stress Kills Strategy14:35 The Big Lesson: Income ≠ Safety (Even at Multiple Six Figures)16:57 Introducing “Six Figure Safety” & What “More Than Enough” Means18:38 The 3-Part Framework: Predictable Income, Joyful Living & Lasting Wealth21:19 Overflow in Action: Buffers, Profit Strategy & Surviving the Dip24:13 Reality Check: Consistent Income Is a Myth—Predictable Take-Home Isn’t25:41 Wrap-Up + Invitation to Join Six Figure Safety✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 15. Being "good with money" is aspirational not relatable
In this podcast, Emilie delves into the intriguing concept that being 'good with money' is seen as aspirational rather than relatable. She shares her personal journey and insights, explaining why discussing financial competence often feels like bragging and examines societal and psychological factors that contribute to this perception. Emilie also touches on the impact of social hierarchies, identity threats, and cognitive dissonance, urging listeners to challenge their own comfort zones and take steps toward financial competence. 00:00 Introduction and Topic Overview01:14 The Concept of Money Being Aspirational03:35 Social Hierarchy and Money05:21 Personal Journey and Financial Influence08:07 Psychological Insights on Money Perception16:13 Challenges in Seeking Financial Help32:55 Call to Action and Conclusion✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 14. How to trust yourself to forecast your numbers
Forecasting isn’t scary because you’re bad with numbers. It’s scary because uncertainty feels unsafe — and most people are trying to plan the future without giving themselves any predictability in the present.In this episode, I break down why forecasting feels so uncomfortable, and how to build enough trust in your numbers to make calm, strategic decisions in your business.We talk about:What “data” actually means (and how to find it without spreadsheets from hell)Why profit alone doesn’t help you planHow overflow, owner’s pay, and predictable expenses reduce financial stressHow to stop reacting to money and start making decisions with intentionThis isn’t about perfect predictions. It’s about creating enough structure that your business can actually support your life.Six Figure Safety is linked below if you want support putting this into practice.✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 13. Making more money without launching something new
In this episode, Emilie takes you inside a real Six-Figure Safety coaching call where the focus wasn’t budgeting, mindset, or spreadsheets — it was making more money without launching something new.You’ll hear how two clients approached the same goal in different ways:One, a systems and client experience expert who wanted to keep hitting £10k months despite being sold out — and how she turned existing work into a smart, limited-time offer that feeds directly into her core programme.The other, a content marketer who transformed her own self-coaching process into a powerful lead-in offer — building trust, gathering market research, and creating a natural pathway into higher-ticket retainers.Emilie breaks down what actually works right now when it comes to offers: buy-in strategies, trust-building through genuine help, and why you don’t need to reinvent your business to increase your income.If you’ve ever thought “I want to make more money but I don’t know what to sell”, this episode will land.✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 12. How Daisy took control of her money and built financial peace
In this podcast episode, I welcome Daisy, a digital Instagram coach, to discuss her transformative journey with financial coaching program 'Cashflow Confident.' Daisy shares her struggles with financial avoidance and how investing in Cashflow Confident helped her gain control over her finances, ultimately reshaping her approach to money and business. We elaborate on the benefits of the financial audit and how it provided clarity and reduced stress for Daisy and her husband. Daisy highlights the practical tools and strategies that improved her business management, leading her to decide to enroll in Six Figure Safety for a holistic, 12-month financial program. This comprehensive episode underscores the importance of financial education, mindset shifts, and ongoing support to achieve long-term financial stability and business success.✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 11. What the helly is Six-Figure Safety
In this episode, Emilie introduces 'Six Figure Safety,' a comprehensive financial program designed to consolidate years of financial teaching into a unified course. Despite initial hesitations about the name, the program aims to provide more than just monetary gains; it focuses on achieving financial security and peace of mind. The host discusses the importance of managing existing resources effectively and addresses common financial fears, advocating for a holistic approach to money management. Tune in to learn more about the transformative power of financial literacy and community support.00:00 Introduction and Personal Update00:25 From Fan Blogs to Online Business01:27 Introducing Six Figure Safety02:28 The Concept of Six Figure Safety05:21 Overcoming Financial Misconceptions08:03 The Importance of Financial Management11:52 Program Details and Launch14:24 Conclusion and Launch Announcement✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 10. Why I lowered my 1:1 prices
In this episode, financial strategist and certified money coach Emilie dives into the often-overlooked topic of lowering prices. With six years of experience in finance, Emilie offers valuable insights into the strategic decisions behind adjusting her rates. She reflects on her journey from starting as a money coach in 2024, initially charging £1,500 for three months of one-on-one coaching, to her current prices. Emilie discusses the importance of understanding her ideal client’s financial situation, the need for alignment between perceived value and investment, and her own mindset shifts in pricing. She emphasises the necessity of balancing her offerings to ensure accessibility and sustainability while delivering impactful results. Through her story, Emilie provides practical advice for fellow business owners on pricing strategies and maintaining business growth.00:00 Introduction and Purpose00:09 Emilie's Background and Experience01:26 Initial Pricing Strategy02:36 Transition to Business Owners04:06 Group Program Development05:34 Mindset and Pricing Adjustments08:10 Current Pricing and Ideal Client16:16 Future Plans and Offers19:36 Conclusion and Contact Information✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 9: How to build a life-first business
This week's discussion focuses on the concept of a 'life-first business,' emphasizing the importance of prioritizing personal life and well-being while managing a business. Emilie highlights the common pitfalls of letting a business take over one's life and shares personal experiences of balancing business with childcare and mental health challenges. Emilie discusses strategies for maintaining control over business operations, setting profitable prices, and ensuring that business goals align with personal life goals. The goal is to create a sustainable business model that supports the desired lifestyle while managing financial responsibilities effectively.00:00 Introduction to Life First Business00:26 Defining Life First Business02:07 Balancing Business and Personal Life04:17 Personal Struggles and Adjustments09:14 Financial Strategies and Business Control14:00 Revenue Goals and Strategic Planning17:54 Living Your Ideal Lifestyle23:03 Conclusion and Final Thoughts✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 8. Feeling Safe to "Hold Money"
In this episode of The Fund Your Damn Life podcast, Emilie shares insights about a common money belief encountered during her client calls: the struggle to hold onto money. She explains why the idea of hoarding money is rooted in scarcity thinking and emphasises that money is meant to flow. Emilie discusses the importance of having clear savings goals, the value of intentional spending, and reframing how we view money and savings. She concludes by highlighting the need to create spending plans that align with personal goals and joys, stressing that it's okay to spend money to enjoy life.00:00 Introduction and Setup00:38 The Money Belief Dilemma01:34 Scarcity Mindset and Money Flow02:43 The Importance of Savings Goals07:46 Creating a Spending Plan09:28 Container Theory and Money Management11:35 Final Thoughts and Summary13:10 Conclusion and Farewell✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Replay: Double Your Revenue
Transforming Your Financial Approach: The Shift from Avoidance to OwnershipIn this webinar replay, Emilie addresses common financial struggles of online business owners, focusing on the mindset shift from avoidance to ownership. She debunks myths around increasing prices and spending on ads, advocating for sustainable, scalable methods. Emilie emphasises the importance of understanding financial foundations, tracking income and expenses, and setting realistic revenue goals tailored to personal lifestyles. She shares client success stories, introduces her Overflow Formula™ for managing business finances, and details her program, Cashflow Confident, designed to help business owners take control of their finances, pay themselves consistently, and grow their businesses without financial stress.00:00 Introduction and Agenda Overview00:24 Common Misconceptions About Financial Growth01:16 The Importance of Financial Foundations02:04 Personal Financial Struggles and Realisations08:20 The Shift from Avoidance to Ownership17:42 Setting and Achieving Revenue Goals23:48 Pricing Strategies for Business Success30:40 Overcoming Pricing Fears31:09 Understanding Client Accessibility32:06 The Overflow Formula Explained32:29 Cashflow Tracking and Management34:33 Practical Bank Management Tips35:17 The Importance of Financial Strategy42:30 Introducing Cashflow Confident Program44:45 Program Details and Benefits49:30 Final Invitation and Q&A✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 7. Everything you need to know about Money Mindset
In this episode, Emilie emphasises the importance of addressing financial beliefs and fears, particularly how they stem from early childhood experiences and societal influences. She explains that managing money isn't just about knowing the strategies but also shifting the underlying beliefs that drive financial behaviours. Through a detailed explanation of neural pathways, Emilie illustrates how ingrained money beliefs can be reshaped with new experiences and evidence-based actions. She stresses that effective money management skills are essential for fostering a positive money mindset and overcoming financial fears. The episode concludes with an invitation to join her 'Cashflow Confident' program, aimed at helping individuals master both money management and mindset.✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 6. WTF actually is "Overflow"
In this episode of 'Fund Your Damn Life,' Emilie Nutley offers an in-depth breakdown of her Overflow Formula, a strategic financial management system designed for business owners. Emilie addresses common questions, explaining the importance of regularly saving money to cover low sales months, pay off debt, and fund personal goals. She compares her method to Profit First, highlighting why her approach is more practical for business owners who prefer simplicity and directness over micromanaging multiple bank accounts. The episode underscores the necessity of tracking every business transaction to understand cash flow, debunks the myth of consistent monthly income in entrepreneurship, and emphasises the importance of building a financial cushion before paying off debt. Emilie also touches on the practical use of savings, advocating for a mindful approach to managing finances. The episode is a call to action for business owners to become more financially literate, confident, and strategic, offering tools and support through her Cashflow Confident program.✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 5. How to pay for a holiday using your business
In this episode, Emilie Nutley walks viewers through the step-by-step process of using business revenue to fund a holiday without raising red flags with tax authorities. She starts by calculating the holiday budget and emphasises the importance of having financial goals. Emilie discusses two main strategies: saving a portion of her salary or utilising business overflow—the money remaining after all expenses, taxes, and owner’s pay are covered. She highlights the significance of maintaining a healthy profit margin and making sure there's surplus cash (overflow) for unexpected costs or slower months. Emilie also introduces the concept of trivial benefits for limited companies in the UK, allowing for tax-exempt vouchers that can aid in holiday funding. She wraps up by encouraging listeners to align their financial strategies with their lifestyle goals, underscoring the importance of allowing oneself joy through strategic financial planning.✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 4. Paying off your business debt starts with business savings
In this episode, Emilie speaks candidly about the mindset and strategies around debt, specifically business debt but applicable to all kinds. Emilie immediately dives into the topic of debt, emphasising that debt is a tool, not a moral failing. She uses her own experience to illustrate her points and demystify the shame often associated with owing money. Emilie explains the psychology behind debt, including the role of dopamine and scarcity mindset, and argues for shifting the focus from debt elimination to building savings first. She shares personal anecdotes, like her challenges around food spending, and how addressing the root cause rather than the symptom led to better financial outcomes. Emilie stresses the importance of creating a 'breathing fund' to cushion against financial stress and recommends focusing on savings instead of debt to break the cycle. She concludes by teasing future episodes on leveraging business overflow and planning holidays using business funds.✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 3. How to pay yourself from your biz
In this episode, Emilie Nutley tackles the crucial topic of paying yourself from your business. Emilie explains her 'overflow formula' and the 'three-account system' as foundational steps for financial stability. She walks listeners through a detailed process of conducting a financial audit of personal and business expenses to determine a realistic owner's pay. The discussion covers managing cash flow, prioritizing necessary and joyful spending to keep a healthy mindset, and leveraging AI tools for financial tracking—with caution. Emilie underscores the importance of regular financial check-ins and offers insights from her 'Cashflow Confident' program, aimed at helping business owners implement effective money management systems. This episode is filled with strategic advice and practical applications to help listeners navigate their finances confidently.✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 2. You only need one* account to manage your biz finances
In this episode, Emilie Nutley breaks down how business owners can manage their finances through a simplified one-bank-account system called the Overflow Formula. Despite usually recommending the three-account method, Emilie shows how you can adapt it to one account by using digital spaces or pots provided by modern banks. This system ensures all business income and expenses flow through one account, with separate allocations for taxes and overflow to manage excess funds. By setting a consistent payday and tracking a 'magic number' for expenses and salary, you can maintain financial stability even when your income varies. Emilie critiques the popular Profit First method for being overly complicated with its five-account setup and highlights the importance of maintaining a sustainable mindset that's free from scarcity. She also touches on real-life applications, offering practical steps and sharing client insights, while emphasizing that effective money management is about knowing and working towards your personal financial goals.✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue
Ep 1. Why you should pay yourself a salary
In the kick-off episode of Fund the Damn Life, Emilie Nutley gets real with business owners about flipping the script. Ssing your business to fund the life you want, not the other way around. She shares her no-BS advice on why paying yourself a consistent salary is non-negotiable, even if your income is all over the place. Emilie talks about financial security, setting realistic goals, and avoiding the scarcity mindset that keeps you stuck. She breaks down how to figure out your necessary expenses, track them, and reverse-engineer your sales to meet those goals. Plus, she teases the next episode, where she'll share why you only need one bank account to manage your finances. Get ready for some tough love and actionable tips to transform how you handle your business cash flow.✨ Apply for 1:1 Mentorship → https://emilienutley.co.uk/momentum✨ Access the free Revenue Reality Check Calc + Audit → https://emilienutley.myflodesk.com/revenue