Leah: [00:00:00] if we’re going to talk about money, we need to first check in and see just how that word makes us feel. Like, does it make us feel like, Oh, that’s like a dirty word. It’s naughty. Or do we feel good about  Welcome Balanced Mamas to another episode on the Balancing Busy Podcast. I’m Leah Remillet, here to help you do less, but better. And today I’m super excited because we are actually going to talk all about money and we’re going to [00:01:00] talk about how it’s going to just become easier for you by the end of this episode to attract and have more money.

Leah: Cause let’s just be honest, more money, it does make life easier. So I have Hannah Beer today who is a Money coach. She is an author. She has courses. She is a like all the money stuff. So Hannah,, will you just take a moment and introduce yourself and share a little bit about your story with everyone?

Hanna: Absolutely. I’m so happy to be here. I’m a money coach. My name is Hannah Beer. I live in the south of Germany. My life is pretty much like the sound of music. It’s all rolling hills and cobblestone streets and old churches. It’s so beautiful here. My day job is to help people heal their relationship with money and make oodles and oodles and oodles of money.

Leah: That is amazing. Okay. So before we started recording, I was telling you I was looking around at your Instagram and all the different things.

Leah: And, um, I saw that you had a money track for people to [00:02:00] listen to, which I loved that I downloaded it. I’m excited to try it. I also saw that one of your favorite TV shows ever was crash landing into you, which instantly connected me to you because it’s one of my favorites too. It’s so good. Uh, I will admit like for anyone who’s like, Oh, should I check this out?

Leah: Yes. Yes, you should. Now we will confess you’re going to have to read subtitles because it’s all in Korean, but it’s worth it. And you know, you’re, you’re starting to hear another language, which is beautiful. Okay. So let’s, let’s talk about money stories to begin with. Well, you just kind of share. What is a money story?

Leah: Where do they come from? And are they serving us or are they not serving us? 

Hanna: Yeah, so we go through our lives accumulating so much emotional baggage with money. And it’s not just over the decades that we’re alive. We’re also taking on our ancestral patterns and our ancestors experiences with money. And so often it can feel as though there are these invisible hands guiding our finances.

Hanna: And [00:03:00] it often doesn’t even really make sense. So, I, I discovered this because neither, um, parts of my family have had money, you know, in the past. My grandparents on my mom’s side were child refugees during World War II, they lost everything and arrived in Germany, a country that was absolute rubble, and had to rebuild it from scratch when they were only 11 and 12 years old.

Hanna: And then on my dad’s side, um, my family was also incredibly poor, so, when I grew up, you know, we were doing quite well, but I still had this feeling of the rug could be pulled out from underneath my feet at any moment.

Hanna: I didn’t trust myself to make wise money choices. I was really scared of my future because I constantly felt like The other shoe could drop like something terrible could happen and everything could be taken from me and I myself hadn’t had any life experiences to give me that belief, but everything that my family had been through.

Hanna: It was really living in the tissues of my body and informing my relationship with money. When I [00:04:00] didn’t know that, that was incredibly stressful and so frustrating because I was like, I’m doing all the things right. I’m like reading all the books and doing all the affirmations. Like I’m running this business and marketing every single day.

Hanna: Why does it just feel like I’m making money, but it drains right out of my bank accounts? Like, am I cursed? Like what is going on? And so I started to realize that That it’s not just my own stories and my own ideas around money that affect me, but so many stories for my family as well 

Leah: So would you suggest that one of the first things to do is to sit down and to try to start identifying what stories we might be holding on to and carrying? 

Hanna: So the very first thing that I would encourage the listeners to do is, you know, as you think about money, just kind of think what happens in your body as you think about money, you know, do you feel heavy? Do you feel deflated? Do you feel disappointed? Do you feel hopeless? Do you feel worthless? Do you feel like you’re always striving and never arriving?

Hanna: What, what, [00:05:00] what does your body do in relationship to money? And then this is where I like to start.

  Okay, so let’s shift and get into kind of the practical of like, she’s been doing this work. She’s, uh, you know, she’s recognizing the stories, the beliefs, working to let those go and to give herself permission to just believe in the possibilities. How does she start making more money? How does she change her family’s life?

Hanna: Yeah. So your income and your money making vehicle are your greatest assets and building wealth when you’re all the way at the very beginning. You know, so think about, um, do you have a business that has offers and pricing that can get you to your happy income? And Leah, you wouldn’t believe how many times, you know, I get clients coming to me and they, Swear to me they’ve done everything and then I look at their business and they’re not marketing every single day And they sell courses for like 10 [00:06:00] bucks each you know or they have to have 2, 000 people in their program in order to reach a Realistic income so you know Is it really easy to buy from you is it do you have an easy?

Hanna: Yes, offer that people love saying yes to do you have recurring revenue in your business? Do you have your business systematized and automated to the point where you can run it in an hour or two per day? Is your business set up so it’s not dependent on any seasonal, you know, like, is it? So those are some questions to ask yourself.

Hanna: If you’re a business owner, did you pick an ideal client avatar who is so happy to pay you, who has an abundance of money to pay you, who’s completely and totally sees the value in what you do. So begin pondering these questions and you’ll, if you’re not making the income that you want right now, you’ll probably get some pings and realize some of those things.

Hanna: you know, may not be in place yet. And then if you’re not a business owner or if you’re currently kind of in between [00:07:00] two worlds and you’re still working a job, you know, ask yourself, did you choose a career that has great money making potential? Are you in a job that allows you to grow? Do you have a plan and that you’re working on with your supervisor together and with HR together that will allow you to grow financially?

Hanna: Um, are you, or are you, are you consistently shopping around for better positions, you know, whether that’s a promotion, whether that’s a bonus, whether that’s a job where you just kind of like, you know, drifting along, hoping that somebody will hand you the abundance that you want. And then the other thing, do you believe that you can live a very luxurious life that’s actually quite cheap?

Hanna: You know, do you believe that you can be so savvy and so intelligent with money that you make decisions that benefit you, that allow you to keep a really sizable profit? Um, for many years I lived off of like 10 to 15 percent of my income and I kept most of my money and I just let it grow. And that was really nice, you know?

Hanna: So [00:08:00] now I don’t actually have to work. I work because I want to, but I don’t actually have to work, you know? So are you willing to love yourself enough To not follow along with the, you know, trends on the internet that keep telling you to buy the new designer bag every second. Are you willing to really, you know, be profitable emotionally, spiritually, financially, and let yourself move into a life where money is easy and you’ve got lots of freedom and you don’t necessarily have to work.

Hanna: So those are some questions to ponder to start with. 

Leah: Oh my gosh, this has me in so many different directions. Okay, let’s go all the way back for that entrepreneurial woman who heard you say, are you making it easy to say yes? And she’s like, I think so. Wait, I don’t know. Am I? So let’s go back to that to start and, and talk through a little bit more.

Leah: So much of what you were saying. I was like, yes, yes, yes. You know, this idea of, The price point, are [00:09:00] you putting yourself in a position to be able to have the right ideal client? I can’t tell you how many times, and I’m sure you have too, where we’re having these conversations with our clients, with our students, and we’re looking at who they’re saying their avatar is.

Leah: And it’s, it’s like they’re setting themselves up to make it harder because They’re, they’re trying to reach this person who is already going to have a very, very hard time saying yes, let alone if the yes is easy enough and so on. So, you know, that’s another direction too, but let’s just start with, okay, she’s questioning if she’s making it easy enough to say yes, what would you tell her to look for to think about?

Hanna: Yeah. So the first thing that I always have my clients look at, it’s a little, it’s, um, it’s a marketing teaching that I learned from Ted Hargrave from marketing for hippies. And I love it so much. Like, I’ve been banging on about this for years because nobody will do it, but your marketing won’t [00:10:00] work until you really master this.

Hanna: So, so Tad taught me this. Um, he says that your client started out on Island A. So Island A is where they’re unhappy. They’ve got a big fat problem. They’ve been trying to fix it for so long. It’s just not working. Like Island A is terrible. You’re offering to bring them to Island B. Island B is the happy end result where they’re happy.

Hanna: Problem has been fixed and they receive an additional set of, uh, of perks that they didn’t even expect. You know, just, you know, my, my example, you know, my perk is always that my clients as bodies begin to heal as a result of making a lot more money. How cool. Didn’t even expect that. That’s amazing.

Hanna: Additional perk that they get. And so your boat is what gets them to Island from Island A to Island B. And now here’s the kicker. 95 percent of business owners are trying to sell their boat. So your boat could be that you’re a hypnotherapist. Your boat could be that you’re. Um, you know, a Marie Kondo certified [00:11:00] organizer, your boat could be that you’re a hypnobirthing coach, your boat could be that you’re an SEO website designer, right?

Hanna: So everybody’s like trying to sell their boat and then nobody’s buying. What you need to be doing is sell people into the journey from Island A to Island B and over and over and over in a variety of different ways. Because people have probably been living on Island A for a long time and they’ve probably gotten comfortable in the discomfort.

Hanna: And so it’s really important out of love and empathy for clients that we help them discover that where you are is painful and it’s painful enough to make a change. And that the change is possible, and this is what it will look like. So you keep needing to talk about Island A to Island B. And do this for 90 percent of the time, and only 10 percent of the time, talk about your boat.

Hanna: And then talk about why your boat is the fastest and most effective path to get there. Because once somebody has decided, Island A sucks, it’s terrible here, I’m ready to go [00:12:00] somewhere else, and I know where I want to go, Island B is where I want to be, and I trust this guy to get me there, then they’ll naturally come and ask.

Hanna: How, how are you going to do this? Like, why is your boat the best way? Business owners often make it so hard for people to, to be a yes because they’re selling the boat versus the journey. So this is something to really think about in your marketing. It’s 90 percent of your marketing directed at.

Hanna: Island A to Island B, or are you talking about your boat most of the time? Cause if you are, you make it pretty much impossible for anyone to pay you. 

Leah: I love that. Now, you also talked about how much time should be spent towards marketing.

Leah: And this is something that I talk about a lot too. I’m like, if you don’t have the number of clients that you want, 80 percent of your time should be on marketing until you start to get closer to that number. And then you can start tearing back, right? You go from 80 to 70 [00:13:00] to 60. But one of the big mistakes that gets made so often is We push, push, push marketing because we don’t have clients.

Leah: Then we get too many clients. Then we panic. We stopped doing all marketing. Then all of a sudden you finally catch up on clients, but the time you’ve caught up on clients, you realize you have no one else coming. So then they push, push, push marketing again, and there’s the cycle, right? So it’s very feast famine, feast famine, and it creates a ton of stress.

Leah: Uh, it, a lot of overwhelm in both times, cause you’re either too overworked or you’re, you’re. You’re burning the midnight oil trying to figure out how to bring in more clients. So it’s just, it, it can hurt. So I’ve always talked about like, you know, until you’ve got them, it’s up, it’s up here. It’s at this 80 20 rule.

Leah: And then as you start to get them, you’re bringing it down, but you never drop off. Okay. What about the woman who, Right now is sitting here listening to all this and she’s like I want more money and and at this moment I feel like I can’t do the [00:14:00] thing or invest in the opportunity or afford that experience What can she do right now to change that?

Hanna: Yeah, maybe go back in the podcast episode when I asked you some, you know, a very fast string of questions to ponder about your business because there is a little recipe in there. And even before hiring a coach and even before, you know, doing anything drastic like that, you can already answer some questions for yourself.

Hanna: You can already begin to map out an offer that would be an easy yes. So really think about the ideal client who would. Be, you know, who has all the money in the world to pay you with such an easy yes. What is the solution that she would really love? And then what is the happy pricing that feels really expansive and fun for you and really easy, you know, for her to pay.

Hanna: And then I always like it when my clients have to make like You know, between three and eight sales [00:15:00] per month in order to reach their happy income, you know, I, I don’t like it when my clients say, well, I have to make 20 sales in order to, to reach it. I like to make everything really easy and really accessible.

Hanna: So do the math, you know, think about your happy monthly income and then think, can I get there with three sales, five sales, six sales, eight sales. If not look at your offering and look at your pricing again, because we want it to be so easy for you to fill up your roster. and begin to scale upwards. So just take action on that and make a bunch of money.

Hanna: And I also think it is very wise of you to want to make the money to pay the coach. The other game that I love, I love to play a little game because my coaches keep getting more and more and more expensive is sometimes I just pick the payment plan and I just think of 100 ways to come up with the first investment.

Hanna: So if the first investment is You know, for the first month, it’s like 2, 000. I’ll write down 100 ways to make those 2, 000. You know, what [00:16:00] can I sell? What are old clients that I can reach out to? Is there an event that I can run? Is there a guest teaching opportunity that I can be a yes to? Is there an old sofa in the basement that I can sell?

Hanna: What are, what are 100 ways to come up with the first investment? And then I make a commitment to myself. That I’m gonna use the tools in the program to come up with the rest of the money. So the next month I’ll make another list of 100 ways to come up with the next installment and the next and the next and the next.

Hanna: And this way I don’t have to put anything on my credit card and I don’t have to take any money out of my savings. And instead I’m really becoming resourceful and creative in how to create money. You know, so, so if you are thinking about joining a program or anything like this, you know, feel free to use this game because it’ll help you get started much faster and it’ll eliminate some of the money worries about around paying for it.

Leah: Okay. I want to play a little game with you and I want to talk about why we love money. And [00:17:00] the reason that I want to have this conversation is because. Pretty much everyone listening to this are women. And, you know, based on the research, the studies that are out there, we know that, uh, money can be harder for women to talk about.

Leah: to feel that they deserve than our male counterparts. And so, you know, if we’re going to talk about money, we need to first check in and see just how that word makes us feel. Like, does it make us feel like, Oh, that’s like a dirty word. It’s naughty. Or do we feel good about it? So I just want to hear you share like, A few of the reasons that you love money.

Leah: And then I will follow up and share a few of mine too. 

Hanna: I love that so much, Leah. The first thing that comes to mind, my three year old is, um, in the other room snoozing right now, and I love that when I had her, I didn’t have to work and I didn’t have to make any plans to go back to work and I just, [00:18:00] It was a very stark contrast to what I experienced growing up, where my mom always had to work and, you know, money was always the reason why we couldn’t or why we had to.

Hanna: And so at that, I really promised to myself that money would never be the reason why I couldn’t be the type of mom that I wanted to be. And money really supports me in being relaxed and being calm and being happy. You know, if we want to have an experience, buy something, you know, we do it. So that’s my reason number one.

Hanna: Um, reason number two is that it really helps me heal emotionally. Like, I didn’t feel safe for most of my life. And money makes me feel safe. Like I know that no matter what happens, I can always throw some money at it. You know, I can always like hire somebody to fix the problem for me. And so just having an abundance of financial resources, I just, you know, it makes me feel really safe and secure.

Hanna: Um, my third reason that I love money is [00:19:00] that it really forces me to grow. So it really feels like I had all the money blocks, all the success blocks, all the confidence wobbles and the process of working through them. You know, it really forced me to grow in ways that otherwise I wouldn’t have. You know, like I know that I can’t escape money, so I might as well face my fears around it cause I’m not willing to live with this dark cloud for the rest of my life and constantly feel like I’m stupid with it or it can’t make as much as I want to, or it’s the one area of my life that is.

Hanna: Just not going the way I wanted to. And so it really helped me work through some, some, some dark things. The other thing, last thing I love about money is that it’s really fun to play with, like for years, I just. I lost the fun of money like it wasn’t fun. Like my daughter has a little piggy bank and she has like little play money and she just plays with money.

Hanna: She loves playing with money and I’m rediscovering just how fun it is to play with money. And for so many years it was just a scary, serious [00:20:00] thing. So I love that money is something really fun to play with. Like it’s so much fun to spend money and to make money. And it’s like, it’s a very big, fun game for me in my life now.

Leah: Oh, I love that so much. So some thoughts as you were sharing that is that none of us were honestly taught probably great money strategies growing up. And yet we walk around and we feel a little bit of shame, maybe thinking everybody else seems to get it more than we do, but I don’t know of anyone who had a wealth management budgeting, financial. Education type classes through any of their elementary, junior high or high school, you might have taken some college basic accounting or finances for the real world, which hopefully, you know, gave you a little bit more. I didn’t write. So I felt. Shame [00:21:00] in the beginning of like, Oh my gosh, I think everybody else gets something that I don’t.

Leah: And so I want to start by just saying, this isn’t a me problem, this is a we problem. Like this is something that in our society, It’s shocking. I mean, you just kind of think how dumbfounding it is that, you know, they taught me about, I can’t even remember because I wasn’t paying that good of attention, but all kinds of, you know, things, think about things you learned in math, in science that I have never, ever used again, and yet no one taught us financial. Intelligence, even though that’s the one thing we all use every single day. So I want to start by just saying we can go get our own knowledge. And that’s what I did. I went and I started reading books. Um, we have some blog posts in the archives of some of my favorite money books. I’ll Link to those in the [00:22:00] show notes and drop them back.

Leah: But there’s, there is the opportunity to just say, you know what? I want to be better. I want to grow. And, and we can do that. Um, as far as the things that money has provided for me, that has made me so grateful and made me feel really good about money instead of feeling like, Oh, it’s icky and, and bad, you know, with their stories, maybe you kind of realize that your parents always talked about, the rich people as slimy or as untrustworthy.

Leah: Or as selfish and so you unintentionally are still carrying that and blocking wealth because you don’t want to be seen as slimy or untrustworthy or, um, not a good, uh, there’s, you know, can be associations with religion and, and feeling like we’re not a good enough Christian if we are, you know, wealthy and, and it makes us selfish.

Leah: And so checking in with those. Figuring out where [00:23:00] they’re coming from and just honestly asking the question, is that true? And all I have to do is look around and go, Oh, well, I, I know that person and they are incredibly wealthy and they’re so kind and they’re so generous and they do so much good. And then I can work to unravel that and realize, wait, I have proof.

Leah: This isn’t true. Okay. So back to our game and going back to, to, um, what has been so amazing for me. I too. have felt more safety in and security in having money than honestly most other things. Like there, there is power in knowing that, that you can take care of yourself. And, and that doesn’t mean that, you know, Things can’t happen that, that the boat might get rocked.

Leah: Um, I personally am, uh, am someone who loves saving and it comes from my [00:24:00] past money stories, my childhood and watching our family go from great abundance to nothing, great abundance to nothing, right? Like it was this rollercoaster of, Oh, um, we can afford anything. And there being. Uh, so generous and, and you ask for things and they’re like, sure.

Leah: And you can have this too. And then we’re in a new phase and you ask for something and they’re so there. I remember like anger and like, why are you even asking this? Why are you being so, um, you know, just negative feelings and being so confused by that, because as a kid, I didn’t know the money things had changed.

Leah: So I didn’t understand all, all what was happening. And then as I got older, I could see the feast famine, feast famine. And I’ve watched each of my parents. I watched them do that, you know, through their younger years. And so as I grew up and had my own family, I started becoming, um, a massive saver and, and I really do believe [00:25:00] in having, enough income in savings that you, you know, you’re fine.

Leah: Like if, if anything happens, you can protect yourself. I think the bare minimum should be three months and then working that up. So for me, it was like, okay, three months and six months. And then I loved being able to see it at a year, like knowing everything could disappear and we would be safe for a year at our normal income.

Leah: And if we really, you know, got, creative, we would, you know, be able to go down. So that, that has, I agree with you in that, um, money has created safety and security. And, and that has been an amazing thing. The other thing is the ability to be more generous. We can be generous at any time. Like you don’t have to have money.

Leah: I think, There’s such a mistake that gets made when I’ve heard people say, Oh, if I had this, if, if I was a millionaire, I would give this, [00:26:00] I would give that. And it’s like, actually, you probably wouldn’t. Cause if you won’t do it where you are now, you’d be surprised that if you haven’t built those habits.

Leah: So I believe that we can be generous at any time. And if you can’t be generous with your wallet, you can be generous with your time, right? Like, or you can just give the little bit that you have. However, it has been one of the sweetest joys to be able to offer and help and, and just have that opportunity.

Leah: I think back to my very first business, which was a photography business back in 2008, 2009. And, um, and I’ve, I shared this so many times over the years. When clients were struggling to raise their prices, they were feeling a lot of guilt, but you looked at the numbers and they just weren’t profitable.

Leah: Like they needed to make changes. And I kind of went the opposite route. I went super high end. I [00:27:00] was like, you know what? I’m just going in at this. Like, why not? And so I was by far the most expensive in my area by a multiplication factor of a few. And, um, and I did it this way because, I wanted to make sure that I could be home with my family.

Leah: I also had an income I wanted to make. All I had to do was bring in four clients a month to reach the goal I wanted. So what you were sharing earlier, I had very much set myself up that way. And, um, I had a moment where the studio phone line back when we had landlines still, um, the studio phone line. rang really early one morning and I like, get out of bed.

Leah: I was still asleep even, and I get out of bed to answer it and like, just felt like, oh, you need to go get this. And so I went and answered it and, um, I could barely make out the [00:28:00] words at first. Like I, I couldn’t even tell what was being said. And as I’m like trying to listen and trying to piece it together, There’s just sobbing, like racked grief.

Leah: And it was a mom of one of the girls I had done senior photos for, uh, earlier that summer and she was gone. And this mom was trying to get out the words of the things that she needed for the funeral. Like the, the big poster, you know, pictures that she needed. Uh, something for her friends and she’s trying to just say these things.

Leah: And in that moment, I just said, I’ve got it. I will have everything there. You it’s done. Like you don’t, you don’t need to figure anything else out. And I remember getting off the phone and I was like, I was shook, you know? Like, I mean, absolutely. I knew this girl. I was so crushed to know that, you know, she was, she was gone.

Leah: But I remember also [00:29:00] having this moment of. I am so grateful that I do not have to send this mother an invoice. I am so grateful that I have positioned my business in a way that I have the profitability to say, done, I can cover this. And I’ve just thought about that, like throughout the years of wanting to be able to be generous and wanting to be able to help others.

Leah: And the more financially stable we are, The more that we can do that. Now, I’ll say my third thing, uh, is that I’m grateful that money makes it so we can have the opportunities and the experiences. I’m so grateful and I’ll lighten it up now. I’m so grateful to think about the fact that, you know, you have a three year old.

Leah: I have older, mine are at the end. Okay. So, well, not the end, but like at the end of being in my house. So I have a 19 year old, uh, who’s in college and well, she’s on her mission, but was in college. And [00:30:00] then I have a 18 year old who’s about to go to college in September. And then I have a 16 year old. And I am so grateful that as opportunities and experiences have positioned themselves for my kids, that the question I was asking was, do we want to invest time in this?

Leah: Okay. Like there, there’s this whole other thing around balance that. Don’t overschedule, don’t overfill it. You feel like, Oh, I don’t want them to miss any opportunity, but ultimately it can create its own new set of headaches. You didn’t even contemplate when you say yes to too many things. And so the question I’m able to ask is, you know, what do we see this for their future?

Leah: How is it going to help them grow, help them expand? Do we, do we want to create the time for this, but I don’t have to question and ask? Can we afford it like is, are we able to do this? [00:31:00] And that’s been, whether it’s been, um, you know, opportunities for the passions and the things they love or things that unexpected things like, um, medical bills where, Hey, we want to go a route that is not covered by insurance, but we really believe this could be the best route and, and having those opportunities.

Leah: So, you know, it goes in so many different ways, but, um, those would be the reasons that I’m. So grateful for money. So that, that got very long winded, but those would be mine. 

Hanna: I love that so much, Leah. 

Leah: Okay. So to wrap all of this up, will you just share with everybody where they can find you and how they can connect?

Hanna: Absolutely. My website is hannahbeer. com. That’s H A N N A B I E R. com. You can find my book, Robbed From Within on my website. Grab your copy. And you can also learn about my programs and book a free strategy called my Instagram handle is Hannah Money Bliss. And I’m excited to connect with you there as well.

Leah: [00:32:00] Okay. Thank you so much for being part of this episode. Thanks for being with me, Hannah. We’ll see you all next time. And here is to more bliss, less hustle. 

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