She has a really sharp head for numbers! When you hear something like this, you probably don’t imagine a radiant, gentle, and sophisticated woman whose refined elegance is just adorable.
But I know someone who absolutely matches that description! And she is here with us today, willing to share her money tips and secrets. And after 15 years of experience in corporate finance, you bet she has a lot of them.
She’s a financial coach Amber Dugger, the founder of Profit For Keeps®.
Profit For Keeps is a system developed for online entrepreneurs to end the stress and anxiety around numbers. It is a holistic system combining personal finance and business cash flow strategies using Profit First and YNAB (You Need a Budget).
Amber has helped hundreds of coaches implement this system and has helped thousands more calculate revenue goals that actually make sense! She is a certified health coach from IIN. Since 2015, she has worked on her own and thrived on being location-independent.
Join us as Amber unpacks:
- the purpose of money
- the mechanics of money to serve your purpose
- how to use money to support you in practical and implementable ways
Let’s dive in!
Amber’s Biggest Pet Peeve
When I asked Amber about her biggest pet peeve, she started with the concept of charging your worth.
When we come to the pricing of our offers, we tend to feel like, “Oh, this is so easy. I’m not necessarily going to be doing a ton of work, so I don’t really feel comfortable charging more.” And then, a lot of times, we hear the response, “Oh, you need to charge your worth.”
Although the advice comes from a beautiful place, we wouldn’t hear it this much if we broke it down properly. Yes, it means that we’re so valuable, which is absolutely true. We ARE infinitely valuable. But it has nothing to do with our pricing. It has nothing to do with our offers.
Our pricing is directly reflected by the value that our clients see. We are a conduit of investment for our clients to really be able to say, “This is a top priority – we put our money where our priorities are.”
And money is truly just a conduit of our intentions. When clients see you’re the right person to help them get the result they so desperately are looking for – that is all they need to be able to feel very confident and comfortable investing.
Our Worth Is Never on the Table
I can say here, Been there, done that. I believe I mentioned earlier that my business tanked spectacularly after I had reached multiple six-figure success.
One of the reasons was that it was all about my value. I tied how much my company was making into my own worth. Also, I took my clients’ results (no matter how much they were working) as a reflection of my worth.
I tied up my self-worth to my clients’ results. So I was like, ‘I got to give them more, I got to give them more.’ And I realized that it wasn’t only because I wanted to make sure that they had value, but it was coming from a place of I’m probably not enough yet.
So I needed to give them more to offset my not-enoughness with the investment I’m asking them to make into me. But then I learned that they weren’t making an investment into me, but into them – the experience and the transformation that they can see for themselves.
Our worth is never on the table – that was one of the big lessons that God wanted me to learn from that whole experience. Our worth is intrinsic. It doesn’t matter how much is or isn’t in our bank account.
Money Is for Nurturing, Not for Safety
So, if we shouldn’t measure our value by how much we earn, then what’s the purpose of money? (It’s not my question. I’m just trying to mimic what many people would ask, considering how we have been programmed for centuries).
I remember somebody once said that money was for nurturing, not for safety.
To be honest, when I first heard this, it blew my mind with how simple and accurate it was. On a surface level, money does make us feel safe. But if we’re chasing money only to feel safer, we’ll never get enough. Because What-ifs are endless:
- what if this thing happens
- what if this catastrophe
- what if that accident
- what if economy
There are so many variables…
You’ve got to connect with your higher power – that’s what gives you that feeling of safety no matter what is going on in your life… and then you stop getting so grabby.
Speaking about her experience with clients, Amber explains that the pivotal point for many entrepreneurs to start seeing money as a supporting tool rather than the goal itself is simply recognizing that there is a solution and that they aren’t alone.
Because the feeling of isolation is connected with a lot of shame, guilt, and negative conditioning around money. (And here I’m talking about isolation in various situations – fear of losing money, not having enough money, feeling fear of spending it, and all other types of struggling with money).
But we need to look at money as a conduit of our intentions rather than a source of safety (disclaimer: I’m not saying we don’t need a certain amount in the pipeline so that we can just easily pay our bills).
Money Is Like a River
When we hold on to money (because we’re scared of losing it), it creates stagnancy. And money wants to move – it never wants to stay still. Just like if you have a river, and it’s flowing – the central part of the river is very clean and crystalline because it’s moving very naturally.
What Amber (and Yours Truly) wholeheartedly believe is that something miraculously happens, and money appears when we need it for a specific thing to help us be better to ourselves (nurturing quality).
So, the sooner we can settle our nervous system around money and no longer have contaminated time thinking about it, the sooner we’ll create more expansive creativity. And so it’s truly worth spending the time to empower yourself around it so you can use it as an efficient tool.
Amber shared a lot of valuable data and practical and implementable ways money can serve you, so I invite you with all my heart to check out the full episode. I bet you’ll want to hear the interview twice.
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