Ep #139: Scaling, Financial Safety and Normalizing Money Staying

Hey woman entrepreneur, if your business is making more money but you still don't feel financially secure, this episode is so for you. Because one of the biggest shifts women entrepreneurs eventually face is realizing that increasing income and creating financial stability are not automatically the same thing. More revenue does not automatically mean more savings or more profit or less stress, or a business that actually feels financially supportive.

I'm Kendall and in this episode, we're talking about what actually changes when women scale well, why bigger revenue alone does not create stability, the financial habits that support long-term growth, and the money shifts that allow women to create real financial leadership and of course, independence. It's all here for you in this episode of The Money Coach School Podcast. Let's dive in.

Welcome to The Money Coach School Podcast. To really excel at coaching women, you have to be skilled, confident, and even fearless at money coaching. If you're passionate about women holding genuine money power and love supporting women entrepreneurs, then this is the show for you. Now, here's your host, money feminist Kendall SummerHawk.

Hey woman entrepreneur, welcome back to The Money Coach School Podcast. Today we are up-leveling the conversation for you. This is Secret Energy of Money level conversation that I want to include you in on as well. So there's a point in business where women realize that making more money and feeling financially secure are not automatically the same thing. We think it's going to be that, but it's really not. And before this point, most women think that making more money will solve all of their problems. And yes, of course, to a great extent, making more money does solve a lot of issues, no doubt about it. But then they quickly find out that you can increase your revenue significantly and still feel pressured around money, avoid looking at numbers, where the money keeps going, struggling to create real savings, and feeling financially inconsistent month to month.

And this is the shift so many women entrepreneurs are entering into right now. And we talk a lot about scaling in the coaching industry. That word is thrown out a lot in terms of growth, more leads, more sales, more whatever. But scaling is not just about increasing income. And I'm here to talk to you about scaling in a very different way, a different way of looking at scaling. In fact, I just did an episode, I believe it's episode 138, about what I call scaling rich. So definitely check out that episode as well. But scaling is not just about increasing income. It's about learning how to keep, direct, and grow larger amounts of money and do it in a responsible way. Because more revenue alone does not create financial stability. Financial leadership does.

And in this episode, we're talking about the difference between making more money and actually building a business that creates stability and profit and long-term financial support. So in this episode, I have six insights to share with you, plus four specific money habits to support you as you grow your business. And this is one of those episodes that you're going to want to listen to more than once and definitely you're going to want to take notes.

All right, so before we dive in, please go ahead and click that follow button or subscribe. It depends on which platform you're listening to this podcast on. So you want to click follow, you never want to miss an episode. I am your money coach, and every episode here is designed to help you increase your income, grow your profit, and feel in control of your money.

So let's dive into those insights. So insight number one, more revenue does not automatically create stability. One of the biggest misconceptions you may have about scaling is believing that more income will automatically solve financial stress. And sometimes it helps temporarily, absolutely. But often the pressure simply follows the business upward. Because a woman can go from, let's say eight thousand dollars a month to 20k months, can go to having more clients, higher prices, more sales, and still have no meaningful savings, still avoid looking closely at her numbers, still feel behind financially, and increase spending as income increases, struggle or be unprepared with taxes. Hello, been there, done that, and feel uncertain about what is actually available to spend.

This happens constantly. I've coached thousands and thousands of women entrepreneurs to make a lot of money and to shift their relationship with money, and I've seen this happen more often than you would realize. Because making money and managing money are two entirely different skill sets. Many women become highly skilled at earning long before they become skilled at what I call money stewardship. And that matters, because women do not scale financially just because revenue increases. Women scale financially when money starts staying, stabilizing, accumulating, and supporting their lives differently. And that's a completely different experience than simply having a bigger sales month.

Insight number two, this is about signs that your financial capacity hasn't caught up yet. So one of the clearest signs that a business has grown faster than a woman's financial system is this: The income increases, but her sense of support does not. And this can look a lot of different ways. Income rises, but spending rises equally as fast. Money comes in and immediately gets allocated away. There's no intentional profit structure, no clear owner pay process, which I also did an episode on, which I'll link to in the show notes. It's owner's pay 101. No consistent reserve building. So she feels emotionally reactive with money, like good one week, panic the next, or she's making good money while secretly thinking, I thought I would feel more stable by now.

And that thought is so important because stability does not come automatically from revenue. Stability comes from clear money habits, clear financial decisions, clear money stewardship, and clear profit awareness. And this is where scaling starts becoming, honestly, less about making more money and much more about how money is being handled after it arrives. Which leads me to insight number three.

What actually changes when women scale well. So first, what changes is you stop treating revenue like it's all personal spending money. And this is one of the biggest shifts. And I know it's a heady experience to have money coming in. But scaling your business requires intentional allocation. You're going to begin thinking differently about taxes, about owner's pay, about profit, about business reserves, about future planning, operating expenses. And instead of viewing every incoming dollar as immediately available to spend somewhere, you begin making decisions based on what allows the business to become financially stable and sustainable long-term.

The second piece here is that you become more intentional with money decisions. Scaling well requires clear decision making, less emotional spending, less avoidance, less, quote unquote, I'll deal with it later. And a whole lot more of clarity around expenses, which is something that I personally get super geeky. I get so excited about reducing expenses, getting much more aware of what the business actually needs, having stronger, clearer pricing decisions, better boundaries, better profit awareness, cleaner financial boundaries. So this is where you want to shift into operating from financial leadership instead of from financial reaction. So you're shifting into that financial leadership. And that's a major identity shift.

And the third piece here in this insight is that you normalize money staying. This is one of the most important financial shifts that you can ever make. Because so many women unconsciously normalize money leaving. I mean, to put it bluntly, that's what they normalize. Bills, expenses, spending, paying everyone else first. But scaling requires you to normalize savings growing, profit accumulating, money remaining in your bank accounts, creating a financial cushion, long-term stability. You absolutely want to become comfortable seeing money stay. Because this is how your business becomes financially supportive instead of financially exhausting.

So that leads me to insight number four, the financial habits that actually support scaling. Yes, there are financial habits that support scaling. Nobody is talking about this. And even just starting with four simple financial habits can create enormous changes for you over time. So for example, the financial habit of separating your business money from your personal money. At a minimum, what that looks like is having a business checking account and a business savings account for taxes and for your business financial cushion. Because blended money creates confusion quickly.

A second financial habit is to start reviewing your numbers weekly, not monthly. A month is too long. 30 days is too long to wait. So I'm not telling you to be obsessive about this, but you want to be consistent. You want to know what came in, what went out, what's available, what's already spoken for, and then what's actually yours.

The third fundamental financial habit is deciding your owner pay structure and doing this very intentionally. Now, I mentioned earlier a whole episode I did on that, and it's episode 123, Owner's Pay 101. I will link to it in the show notes. You definitely want to listen to it. It's one of my most popular episodes so far this year.

And the fourth financial habit is to start building the habit of money staying. This matters so much. Even small reserve habits become life changing in terms of your relationship with money because they create evidence of stability. And there's a whole lot more that goes into that. I can do a whole episode, and actually I probably will about that very topic. But let me just say that you need to save some money. Even if you have debt, by the way. Even if you have debt.

All right, insight number five, let's move on here. The emotional side of scaling. So one reason this feels uncomfortable for women is because many of us were never taught to associate money with stability. Women are taught to spend it, fear it, avoid it, feel guilty about it, prove ourselves for it. So when money actually begins staying, it can feel really unfamiliar because of that very, very uncomfortable at first. But unfamiliar does not mean it's wrong. And you really need to hear that because building financial stability often requires becoming comfortable with having more money.

Yeah, having more money, seeing more money in your bank accounts, looking at your bank account and going, oh my God, there's that much in there? Wow. Managing more money, keeping more money. These are the skills you need to learn and to have this become normalized for you. So that is part of the expansion as well. It's part of scaling as well, including getting comfortable being the one with more money than the people around you.

Now I did an episode to support you with this as well, episode 135, Money Guilt and the Fear of Outgrowing the People Around You. I will link to it in the show notes, of course.

Insight number six, what scaling actually feels like through the lens of money. So real scaling can feel very different than you may expect. It's actually less emotional chaos and less financial scrambling. Now this is when it's done well, okay? And it's certainly not constantly starting over. It's a lot more structure, clarity. It's more intentional decisions. It's stronger financial awareness. It's very clear stewardship. It's increasing stability over time. Because scaling well creates support, not just bigger numbers, but actual support. It creates a business where money starts functioning differently for you. A business where profit exists very intentionally and at a high margin, where savings increases deliberately intentionally every month, where decisions get much more clear, where financial pressure does decrease, and where money supports your actual life that you want to live. And that's the shift you want and it is totally available to you when you're actively creating an improved and positive relationship between you and money.

So to wrap up here, scaling changes when you stop focusing only on earning money and you start focusing on what happens after the money arrives. And you can do that before you even start scaling. I recommend that you do it before you start scaling. Because financial independence, which I know is what you want, is created through stewardship, profit, stability, intentional decisions, money that stays and grows over time. And that's what creates a business that actually supports your life.

So if you're ready to build a business where money feels more stable, more intentional, and certainly more supportive, and where profit increases, where decisions become clearer, and where money starts staying instead of constantly cycling back out, well, that's exactly the work that we do inside of my mentoring program, Secret Energy of Money. Secret Energy of Money is my signature mentoring program where women entrepreneurs learn how to create financial stability, learn how to create clear money stewardship, and a business where money finally starts supporting their life the way that they dream of. So you can go to secretenergyofmoney.com to check it out, and definitely request a conversation to talk with one of my master coaches about Secret Energy of Money and to find out if it's right for you.

So the thought that I want to leave you with is this: You are here for more. More money peace, more money power, more unapologetic wealth on your terms. Isn't that amazing to say that together? More unapologetic wealth on your terms. My God, that's like the pinnacle, right? This is your money empowerment era, and I am so here for it and so here for you.

So thank you for listening. I appreciate you so much, and I will see you next week in next week's episode.

Thank you so much for tuning into this week's episode of The Money Coach School Podcast. If you enjoyed this podcast, make sure you follow so you never miss an episode. Also, I would so love and appreciate if you would leave a 5-star review. Your review supports women just like you in discovering all of the juicy tips and insights I’m sharing here on how to coach women on money.

And if you want to learn how to excel at coaching women on money, definitely go to KendallSummerHawk.com and check out the wealth of money coach trainings that we have for you. Thanks so much for being part of this money coaching movement and for tuning into the show every week.