Denise Duffield...:            Hey, gorgeous. It's Denise here and welcome to another episode of Chill and Prosper. It's your time to chill and make things easier. And it's your time to prosper and make more money. And that's what I'm here to help you do. So today we're talking about three ways that your money blocks are really impacting your business right now. I had it in the original one, killing your business, but it's very click-baity. But there's three big ways that money blocks might be really showing up for you at the moment and let's talk about it. So number one is burnout and overwhelm. Like you might be very tired at the moment, or you could be looking at your business and your goals and wondering how you can make more money. You might be going, I can't work harder than this, so therefore I can't make any more money. Or I want to double my business, but I can't double my hours.

                                                I totally get that. Let's go one layer deeper into this, right? What is the big money block behind this? And I truly believe it is the work hard money block. This is the culture that we live in, hustle, hustle, hustle. You don't get something for nothing. Money doesn't grow on trees. Another day, another dollar. And this has come from, if your family were entrepreneurs or even they worked, that's all they could do. I've had an online business for 10 years. My first online product was in 2004, but that was kind of unusual. And so prior to like the 2000s, you couldn't start a business without physically touching most of the parts of your business. You couldn't have a digital business. It wasn't easy to self-publish or create a course or anything like that.

                                                You had to have a lot of investment and you had to just work really hard. My stepdad was owned a fridge and washing machine repair business. It was a dirty business where you had to go and pick up a washing machine, pull it apart, fix it up and send it back. Lots of work. Lots of heavy lifting. Now your family, think about how they had to work. Maybe they had to do something with their hands, with their bodies, with their strength, with their energy. Maybe they had to sacrifice and suffer to work. Maybe they were entrepreneurs, but it was a lot of investment and a lot of risk. If you wanted to, I don't know, manufacture something. How would you have done that in the '80s and '90s and the early two thousands? It was impossible.

                                                And so now, we're trying to still live in that world where we have to work really hard. And that leads to a lot of burnout for people, because you're trying to prove that you can earn the money. And if you're reinventing the wheel, if you're trying to do everything yourself, if you are over complicating your business, it could be because you are trying to justify earning the money. You might have guilt around it. You might have guilt that it's easy for you and hard for other people in your life. You might have family members who work jobs that they want to work in. And so you're over delivering, over delivering, trying to justify it. So it comes out in a lot of ways, this burnout thing. I'm so articulate today, sorry. But it could be for you that you are over delivering.

                                                So you might have a business where, for example, you might be a graphic designer. And instead of going, "yep, you get 10 pages," you do 50 for them, because you're over delivering. You're trying to justify the cost. You might be a coach or a consultant. And instead of spending an hour with your clients, you're spending three hours with them. You might have a physical product business, and you are undercharging and giving things like free shipping and not actually making enough money. You might be an artist and you feel like you cannot make money doing something that you love. So how is that showing up for you at the moment? How is the burnout and overwhelm showing up for you? For me, it always comes with trying to do too many projects at once, not having boundaries, trying to fix every problem of every person's life and just taking on too much.

                                                And it really comes down to that. I have to work really hard. Now that being said, I'm not saying I do nothing. I think this is a really important distinction to make, right? So I talk about in my book, Chillpreneur, about to be retitled for the second edition, Chill and Prosper. I've never seen a business that's effortless, as in no effort. It's not 'effort-none' is what I try to say to people. It's like, you can learn to it in an easy way, but there's never a business that is completely hands off. And even for me, right?

                                                So I call this 'chustle'. I know it's an ugly word, 'chustle'. It's like the chilled hustle. So, I did a million dollar launch recently and it was work. I didn't have the language so much to even talk about it because people go, "wow, that launch was amazing. How do you feel?" And I wanted to say, "I feel really good, but it's not like it was hands off. It's not like I did nothing and I made a million dollars. And so that's when I was like, "it was chustle." I worked and I did a ton of stuff because I really cared about having a great launch and sharing it with lots of people and making the million dollars was great. It was like 1.15, but it was work.

                                                But I didn't feel burnt out by it. It was manageable. It was chilled hustle. It was chustle. I'm going to totally make a freaking t-shirt with chustle on it, or a mug because that's a really nice spot to be in, right? But if you are living in the place of, I have to work every hour. I can't take any shortcuts. I have to hustle, hustle, hustle and burn out. It's not sustainable. It's not sustainable.

                                                Maybe your burnout is because you are undercharging your clients? So this work hard thing. We've got to let it go. Even if your family work really hard, doing things they don't like. It's safe for you to create money with ease. It's safe for your launch to be ease-ful. It's safe for you to chustle.

                                                Let's talk about number two. So this is confusing your philanthropy with your business. I hear people say, "I don't care about the money. I just want to help people." I go, "cool. Why not both? Why not help people and charge well for what you do? Is that okay?" And often it's not. Often, it's not. Especially if you have a product or service that people really need.

                                                So maybe you help people with a health problem? Or you help people through divorce? Or you help people deal with their children who have got troublesome behavior? Or you help people with grief? And so there could be a part of you, that's like, "I can't charge for that." And especially if it's you're calling and you feel like this is what you've been put on the earth to do. That thing of love what you do and you'll... what is it? Love what you do and you'll never work a day in your life or something like that. And you go, "yeah, cool." But it's also all right. It's okay to charge for that. It's okay to charge for transformation. Especially if you charge the people who can gladly see it's a win-win and then you have bandwidth to write a book, create resources, create free resources, create articles, do a podcast. It takes time and energy to do those things. And you can't do it if you are running a charity instead of a business. And I've got friends who run charities, that's great, but they know it's a charity. They know what it is.

                                                The other way that this shows up is when people choose a target market that actually can't afford them. That can sometimes be confusing your philanthropy and your charity with your business. I'll give you an example. I do money mindset work and I've had people go, "oh, well, why don't you go and talk in homeless shelters, to women who need money mindset?' And I think that's a really great idea, but it's not my zone of genius. I don't have the skillset to meet people who are in massive amounts of trauma and overwhelming dysfunction. And sometimes domestic abuse and things like that. It's just not what I do for my business. So I'm really clear at who I help and at what stage of their life I can help them at. You don't have to be everything to everyone. I'm just going to take a quick break, but I wanted to give you some examples of where else that might be showing up. That confusing the philanthropy and business. All right, I'll be right back.

Miriam:                                Hello. I'm Miriam from Say It Clearly In New Zealand. I read Get Rich, Lucky Bitch about eight years ago and Chillpreneur more recently. I read them, listened to them and take huge amounts of notes on a regular basis because the entire content is just so valuable and I know you'll find it invaluable too. Decluttering is the biggest standout for me. Miriam is hopeless with money. Miriam is lazy. You'll never make any money teaching speech. And then using the great mantra from Get Rich, Lucky Bitch, to declutter all that away. Go get those books.

Natalie:                                Hi everybody. My name is Natalie and I live in the UK. Reading Get Rich, made me realize I had been treating myself cheaply all my life. I always went for low paid jobs because I didn't feel I was worth more. It was so beneficial to spend time analyzing my money blocks, where they started from and why I hadn't challenged them up until then. I've also read Denise's Chillprenuer, because I'm interested in entrepreneurship. One of the things that I took away from it, is that you don't have to be an expert to run your own business. Be a contributor, not a guru. That phrase really had an impact on me. Thank you Denise.

Denise Duffield...:            So welcome back. We're talking about money blocks that are killing your business. So the first one was believing in that hustle, work hard culture and all the things that could be creating. And then the second one is believing that you can either help people or make money, but never both. And really confusing that philanthropy. So I was saying about the example where someone will pick at target audience, that's in dire straits that has no money. That they can't even afford to pay them. And so I'm not saying, "ha ha, don't help people ever." I'm just saying, be really clear on what makes you money in your business. I make money helping people who, the sweet spot really is people who want to make $100,000. Or people who have a business, they're self aware, they're stable, but there's just something there that's holding them back.

                                                That's a completely different target market from someone who has pennies in the bank and they're homeless and they're in total struggle, right? So I serve the people that I can help, because that's my skillset. That's my background. All those things. But then I can choose to use my money in ways that help and enrich those people. So I support my friend's charity, Got Your Back Sista. So this is my friend, Melissa Histon. They help women who are escaping domestic abuse and domestic violence. And they help them in very practical ways to have beds and houses and money and loans and education and things like that. That's her zone of genius. If my business was helping women in that situation, I think personally I would feel very helpless because, as I said, I don't have that skillset. But it's not my business.

                                                They don't have money to pay me to do that. So I can have the easiest target market for myself, create abundance, help those people as well, through my friend's charity. And they know how to deal with that situation and get those women out of poverty for where they're at the moment. So you might listen to this and still go, "fuck Denise, that sounds so horrible." And it sounds very greedy. I just want you to again, see the difference. If you want to go and start a charity, that's a whole different thing. That's a whole different business structure. But it's also okay for you to want to make money out of what you do. And to exchange your skills, talent services for money. And then you can use your overflow to make changes in the world that you want to see through charities, charitable organizations.

                                                But it also means that you would have some bandwidth to maybe do some pro bono work. So if you are undercharging everyone and you're burning out, you have no space for that. You have no energy for it. If you're charging wealth, what you do with an appropriate client audience for you, you might energy to write your book, that you could give away for free. You could give away to homeless shelters. You could give away to libraries. You could give it away to schools. You could create a very low cost program for people. You can create scholarships. You can do pro bono work when it suits you from a place of overflow. So that's a really tough one, right? And I see very entwined with the burnout one, is that I have to help everybody who needs me. I have to solve every problem of every person's life. I have to help them through their whole life cycle. And, and I'm responsible for the world. And it's tricky, right? It's absolutely tricky. That's the second money block.

                                                The third money block is letting your fears of success derail your actions. And this is not even being aware of what those fears are in the first place. But just having this vague, uneasiness that growing your business is somehow unsafe for you. So it could be fears about paying taxes. Fears about being more visible. Fears about having trolls and haters. Or worrying that if you made more money... This came up actually a lot in our last Bootcamp call, when I asked people about their fears. And so many people said, "everyone's going to ask me for money. I'm going to have to be responsible for everybody. Everyone will ask for a handout." I found that really interesting because I get that fear.

                                                And if you're a nurturing, over delivering kind of person in the first place or you feel a lot of responsibility for other people, I can see how that would be a massive fear in how you could be holding yourself back in your business, because it's a negative for you. Why would you want to do that? Of course. Taxes are a really big thing. A really scary thing for a lot of people. You might fear that you're going to get in trouble with the tax man. That you'll have fines or you won't be organized. You might be afraid that people will think you're a fraud. That they're like, if you're too visible or too successful, it will all come crashing down. That people from your past might emerge and tell dirty secrets about when you got drunk with them. Drinking Midori and lemonade or something. Or was that just me?

                                                There's so many fears there that you're not even acknowledging. And we do this a lot in Money Bootcamp. We look at, what are the unacknowledged fears and let's bring them to the surface. And people are scared to do it because they're like, "no, no, I've got to think positive thoughts." And I go, no, like you would've already broken through that plateau if you were okay with this. You would've already increased your prices if you were okay with this. You would've already done it. You would've already launched a book. You're not stupid. You know how to write a book. You're resistant because you're scared. You're resistant because bad stuff might happen and you haven't acknowledged that yet. So that's the third one. I also call this more money, more problems. The unacknowledged fears on the other side of that.

                                                And you might go, "no, I want to be rich and I want to have a big business." And I go, "yeah cool. So just play you with that for a second. Be curious about what those fears could be for you." Because it's really useful to really go there and uncover them because that's the resistance you feel before you're about to do something. That's the resistance because you go, "ah, it's not safe. It's not safe for me to do."

                                                So what do you do about this? So we said the work hard thing. Feeling like you can help people or make money, but not both. And then the fears. So I actually go through this a lot in my money book. So if you go to Amazon or wherever. Get my book, Get Rich, Lucky Bitch. Or if you like to support your local bookstore, you can ask them to order it in. It's called Get Rich, Lucky Bitch. And it is about uncovering some of those blocks that you have. Really looking at those fears because you're smart enough. You're ambitious enough. You're intelligent enough to follow a system and make it happen, but you have to deal with your money blocks. Otherwise you will continually burn out. You will over deliver. You will hold yourself back again and again. And by the way, these blocks never really, truly go away.

                                                Even when I say, "oh, I help you clear your money blocks." It's not even about that. Absence of the blocks isn't the goal, because you'll work on them again and again. And that's why we have people in Money Bootcamp who are just starting. They're just starting to earn money, up to people who are multimillionaires, because the work is still the same. You always have to look at where am I over delivering? Where am I making this harder than it needs to be? Where am I buying into the hustle culture?

                                                And then two, am I working with the right person? Do I still feel guilty about charging people? Where can I charge beautifully so I can use my abundance in other ways. And then the third one, what fears do I have about this next level of success? And I did this recently, before launches. Before any launch or a big project that I'm working on, even now, this is the work. I'll sit and I'll go, "what am I scared about?" And there's always something. I go, "oh, I won't be able to handle that many more clients. Oh, I'm going to get burnt out. Oh, they're not going to like it. Oh, they're going to ask for refunds." And I go there and that's the work, is just that constant self inquiry and digging deeper to the next level.

                                                And this is why, come and join us in Money Bootcamp. We have that safe space for you to work through those things and work through them together. And all the information for that by the way, is at denisedt.com/bootcamp. Maybe this is the month that you join. Maybe this is the time that you work through that stuff and have a system to deal with that.

                                                So there are the three money blocks that are holding you back. I would love to hear which one is your biggest one. Usually there's one that is a little bit scarier than the others. Let me know and don't go away because I have a final thought for you just straight after this last break.

Martha Clarke:                  Hi, my name is Martha Clarke. I'm an astrologer and an astro-cartographer and I live in Kenmare in Ireland. I've been reading Denise's books for five years now and her recent one, Chillprenuer, has really, really inspired me. It's inspired me to stop under charging. It's inspired me to stop people pleasing. And the biggest change it's made is that I have delegated out absolutely everything that I don't like doing. That's been life changing and I highly recommend Denise's books to everyone. Thanks a lot.

Meliss:                                  Hi Denise, and all you lovely listeners. My name is Meliss and I'm the founder of melissmarketing.com. I have a program for healers called Marketing With Intention. And the first thing we do in our program is a mantra and we read an excerpt from a book. And on several occasions I use the book Get Rich, Lucky Bitch and Chillpreneur because both of these illustrate so wonderfully, how amazing it is to manifest money in an easy and fun way. I love Denise's stories throughout both of these books and I highly recommend them to all of my clients.

Denise Duffield...:            Hi, and welcome to my final thought. Just a couple of minutes of something that has happened for me recently or that I've thought about. And today's word is generosity. Where are you having struggles with that word generosity? So sometimes we can be over generous. We can be over giving because we feel like we need to, or we need to bribe people to work with us. So we are being super over-generous in ways that aren't necessarily sustainable or good. But it could be that you're struggling with generosity towards yourself and that everyone else gets paid and you don't. Maybe you are not paying yourself well at the moment. And so that is an act of generosity, isn't it? Of paying yourself a salary. You might go, "yeah, but Denise, my income isn't settled yet." Or, "it's up and down." It's like, "yeah, well it probably will be until you're generous enough to yourself around that and paying yourself a salary."

                                                Maybe you want to stretch your giving muscles this month and you want to give to a charity or a cause that you believe in. And some people will feel like, I'll do that when I'm rich. No, you want to feel rich now with what you've got. And if you give a dollar, because you've only got $10, that is as generous as someone giving $1 million dollars who has $10 million. It is just as generous.

                                                So stop beating yourself up that you're not being generous enough. And just see where that word is triggering little parts of yourself. See where there could be a little money ah-ha around generosity. So it's safe for me to be generous to myself. It's safe for me to be generous to others. It's safe for me to be generous now because money's just a tool to change the world. It's safe for me to be a wealthy philanthropist now. That could be something that's cool too. So let me know what your relationship is to this word generous and generosity and money. And I'll see you next week on another episode of Chill and Prosper. Take care. Have a generous week. Bye