In this bittersweet episode, Kristen and Sydney discuss the tough yet necessary decisions we've made in business to refocus and grow.

Sydney shares her decision to close Maverick, her co-working space, as well as put a pause on the Know Your Worth Podcast. 

Tune in to hear: 

• An easy way to think about decision making in your business that will help you grow every time
• Why Sydney is closing a business and making several changes
• How to navigate feeling like something failed when it’s no longer working for you

📈 UNDERSTANDING YOUR PROFIT AND LOSS GUIDE

Get the Profit and Loss Guide

❓TAX PLANNING QUESTIONS TO ASK YOUR ACCOUNTANT

Get the Tax Planning Questions Guide

🛍 75+ TAX WRITE OFFS

Get the Tax Write Offs

✅ BOOKKEEPING CHECKLIST

Get the Book Keeping Checklist

💵 BOOKKEEPING AND FINANCIAL ANALYSIS SERVICES FOR BUSINESS OWNERS

Apply for Bookkeeping or Financial Analysis Services

👋 CONNECT WITH SYDNEY & KRISTEN 

Website: https://knowyourworthpgh.com/

Instagram: https://www.instagram.com/knowyourworth_pgh/ 

YouTube: https://www.youtube.com/channel/UC3wzOVSDSC-xsmLg8JJ8MJg/

Let’s be honest — figuring out how to get a mortgage when you’re self-employed is a bit more complicated than if you had a W-2 job. 

Lenders want to see that you have a steady income, but without a consistent paycheck, that becomes more difficult (even for super-high earners!) 

Sydney just bought a new home and in this episode, she’s breaking down the entire process and exactly how home buying for self-employed professions is different and what  you should consider if you have owning a home on your vision board within the next 1-3 years. 

02:00 — The importance of proper bookkeeping and documentation 

05:30 — How lenders view self-employed income differently 

11:00 — Tips for improving your debt-to-income ratio

13:30 — Navigating the pre-approval process as a business owner 

17:00 — Common pitfalls and hidden fees to watch out for

📈 UNDERSTANDING YOUR PROFIT AND LOSS GUIDE

Get the Profit and Loss Guide

❓TAX PLANNING QUESTIONS TO ASK YOUR ACCOUNTANT

Get the Tax Planning Questions Guide

🛍 75+ TAX WRITE OFFS

Get the Tax Write Offs

✅ BOOKKEEPING CHECKLIST

Get the Book Keeping Checklist

💵 BOOKKEEPING AND FINANCIAL ANALYSIS SERVICES FOR BUSINESS OWNERS

Apply for Bookkeeping or Financial Analysis Services

👋 CONNECT WITH SYDNEY & KRISTEN 

Website: https://knowyourworthpgh.com/

Instagram: https://www.instagram.com/knowyourworth_pgh/ 

YouTube: https://www.youtube.com/channel/UC3wzOVSDSC-xsmLg8JJ8MJg/

How do you break through a scarcity mindset with money when that’s been ingrained in you since childhood? 

Even if you had your basic needs met, if you didn’t grow up around abundance, it’s going to be so much more difficult for you to even believe that’s possible to create.

In this episode, we sit down with Annie Davis, a former classroom teacher who made the transition to becoming an insurance agency owner and work-from-home mom. 

Annie shares her personal journey of navigating the ups and downs of money management, from the scarcity mindset she grew up with to moving towards an abundance mindset as an entrepreneur. 

Tune in to hear: 

10:33 — Strategies for overcoming a scarcity mindset and embracing an abundance mindset

16:28 — Tips for outsourcing and delegating tasks to free up time and scale your business

14:09 — Insights on the importance of separating personal and business finances

17:14 — Advice on hiring the right team members to support your growth

CONNECT WITH ANNIE DAVIS

Annie is a former classroom teacher for 10 years. Now she does social selling for a direct sales company ongoing and is also insurance agency owner and work from home mom!

📈 UNDERSTANDING YOUR PROFIT AND LOSS GUIDE

Get the Profit and Loss Guide

❓TAX PLANNING QUESTIONS TO ASK YOUR ACCOUNTANT

Get the Tax Planning Questions Guide

🛍 75+ TAX WRITE OFFS

Get the Tax Write Offs

✅ BOOKKEEPING CHECKLIST

Get the Book Keeping Checklist

💵 BOOKKEEPING AND FINANCIAL ANALYSIS SERVICES FOR BUSINESS OWNERS

Apply for Bookkeeping or Financial Analysis Services

👋 CONNECT WITH SYDNEY & KRISTEN 

Website: https://knowyourworthpgh.com/

Instagram: https://www.instagram.com/knowyourworth_pgh/ 

YouTube: https://www.youtube.com/channel/UC3wzOVSDSC-xsmLg8JJ8MJg/

What comes first — growing your business and then hiring or hiring so you can grow your business? 

For Raquel and Anika, the sisters behind Glam to Go, a successful mobile hair and makeup business, they realized they needed to outsource and delegate if they wanted to grow. 

They discuss their biggest financial mistake was trying to do everything themselves, from bookkeeping to scheduling clients.

They share how this was costing them money and how they learned to delegate tasks and hire the right people so they could focus on their strengths and grow their business beyond what they thought possible.

Tune in to hear: 

• How to identify when it's time to outsource tasks in your business
• Tips for hiring the right people who align with your company values
• The importance of networking and building relationships in your industry
• Strategies for balancing family dynamics when working with a sibling
• How to stay passionate about your business even during challenging times

👋 CONNECT WITH GLAM TO GO 

Raquel and Annika are sisters and co-owners of Glam to Go, a mobile hair and makeup company and GTGS, a full service hair salon located in Wexford PA. 

Instagram: @_glamtogo_ and @glamtogostudio

📈 UNDERSTANDING YOUR PROFIT AND LOSS GUIDE

Get the Profit and Loss Guide

❓TAX PLANNING QUESTIONS TO ASK YOUR ACCOUNTANT

Get the Tax Planning Questions Guide

🛍 75+ TAX WRITE OFFS

Get the Tax Write Offs

✅ BOOKKEEPING CHECKLIST

Get the Book Keeping Checklist

💵 BOOKKEEPING AND FINANCIAL ANALYSIS SERVICES FOR BUSINESS OWNERS

Apply for Bookkeeping or Financial Analysis Services

👋 CONNECT WITH SYDNEY & KRISTEN 

Website: https://knowyourworthpgh.com/

Instagram: https://www.instagram.com/knowyourworth_pgh/ 

YouTube: https://www.youtube.com/channel/UC3wzOVSDSC-xsmLg8JJ8MJg/

Have you ever invested in an offer that sounded amazing, only to realize it wasn't what you expected? 

In this episode of the Know Your Worth Podcast, Hannah Samlall, co-founder of Waterloo Street, shares the worst investment she made, and what she learned from it to avoid making that mistake again. 

Sydney, Kristen, and Hannah chat through the type of research you should do before investing in a coach or service provider, the most important thing to validate before you sign up, and how you can use the power of delay to buy smarter. 

Plus, Hannah shares her experience growing a business with repeat customers and the money mindset that’s supported her as a business owner. 

14:07 — The surprising way you can relate researching clothing purchases and business investments 

25:31 — How Hannah has created a “ladder” that creates repeat clients  

26:20 — Hannah's "sexy money goal" and the mindset shift that comes with leveling up your lifestyle 

28:55 — Hannah’s favorite money mindset belief 

CONNECT WITH HANNAH

Hannah Samlall, co-founder of Waterloo Street in Pittsburgh, is a digital marketer turned website designer with a passion for supporting women-owned businesses through the Biz Collective. With expertise in public speaking, social media, and copywriting, Hannah excels in creating visually stunning and functional websites. Outside of work, she enjoys exploring local breweries, watching Gilmore Girls with her cats, and sharing her foodie adventures on Instagram. A Virginia Tech alum, she thrives on connecting with others and is always eager to meet new people and share her diverse interests.

https://www.linkedin.com/in/hannahsamlall/

https://www.instagram.com/hannahsamlall/

📈 UNDERSTANDING YOUR PROFIT AND LOSS GUIDE

Get the Profit and Loss Guide

❓TAX PLANNING QUESTIONS TO ASK YOUR ACCOUNTANT

Get the Tax Planning Questions Guide

🛍 75+ TAX WRITE OFFS

Get the Tax Write Offs

✅ BOOKKEEPING CHECKLIST

Get the Book Keeping Checklist

💵 BOOKKEEPING AND FINANCIAL ANALYSIS SERVICES FOR BUSINESS OWNERS

Apply for Bookkeeping or Financial Analysis Services

👋 CONNECT WITH SYDNEY & KRISTEN 

Website: https://knowyourworthpgh.com/

Instagram: https://www.instagram.com/knowyourworth_pgh/ 

YouTube: https://www.youtube.com/channel/UC3wzOVSDSC-xsmLg8JJ8MJg/

When Alysa Gumto was a child, her dad was diagnosed with MS and told he could no longer work.

Her family went from two incomes to one. 

While this might have created a mentality of lack for many people, this moment actually helped Alysa realize that she wanted to make her own money and needed to manage it well. 

In this episode, she shares how from just 12 years old, she started making her own money, saving it effectively, and how the choices and skills she learned during those years allowed her to graduate college debt-free, buy her cars with cash to avoid heavy interest rates, and buying on a house by herself by the age of 27. 

She shares how she prioritizes her financial goals and why she doesn’t consider the choices she makes around her money to be sacrifices. 

Tune in to hear: 

02:25 — A devastating moment during childhood that defined Alysa’s relationship with money 

12:43 — How what we witness in childhood about money vs. what we’re taught can differ 

15:10 — Why you’re not “sacrificing” when you’re making choices that align with your specific goals 

22:08 — 2 things that have allowed Alysa to save for big money goals 

CONNECT WITH ALYSA GUMTO 

Alysa Gumto has 5+ years of experience as a Social Media Manager. She’s also a speaker and podcaster. She loves a good strategy to impact the bottom line. 

https://copyfol.io/v/alysagumto

https://www.linkedin.com/in/alysagumto/

https://www.instagram.com/tellingitlikeitiswithalysa/

📈 UNDERSTANDING YOUR PROFIT AND LOSS GUIDE

Get the Profit and Loss Guide

❓TAX PLANNING QUESTIONS TO ASK YOUR ACCOUNTANT

Get the Tax Planning Questions Guide

🛍 75+ TAX WRITE OFFS

Get the Tax Write Offs

✅ BOOKKEEPING CHECKLIST

Get the Book Keeping Checklist

💵 BOOKKEEPING AND FINANCIAL ANALYSIS SERVICES FOR BUSINESS OWNERS

Apply for Bookkeeping or Financial Analysis Services

👋 CONNECT WITH SYDNEY & KRISTEN 

Website: https://knowyourworthpgh.com/

Instagram: https://www.instagram.com/knowyourworth_pgh/ 

YouTube: https://www.youtube.com/channel/UC3wzOVSDSC-xsmLg8JJ8MJg/

Are you hiding bags and bringing them in? 

Is your partner mad at you because you both agreed not to spend on something and you went and did it anyways?

Emotional and impulse spending always have a cost beyond the financial side of it. In this episode, Sydney and Kristen explore the psychology of emotional buying and how our spending habits affect our mental health just as much as our financial health . 

They explore how your childhood experiences, money scripts, cultural influences, and societal norms influence your spending habits. The duo also shares their personal stories to illustrate how their upbringing shaped their spending habits and discuss strategies for recognizing and managing emotional buying. 

01:18 — Exploring the Psychology of Emotional Buying 

02:00 — Childhood Influences on Money Habits

11:29 — The Impact of Social Media on Emotional and Impulse Spending

13:44 — Why You Need to Define Money Values

17:56 — Strategies for Managing Emotional and Impulse Spending

📈 UNDERSTANDING YOUR PROFIT AND LOSS GUIDE

Get the Profit and Loss Guide

❓TAX PLANNING QUESTIONS TO ASK YOUR ACCOUNTANT

Get the Tax Planning Questions Guide

🛍 75+ TAX WRITE OFFS

Get the Tax Write Offs

✅ BOOKKEEPING CHECKLIST

Get the Book Keeping Checklist

💵 BOOKKEEPING AND FINANCIAL ANALYSIS SERVICES FOR BUSINESS OWNERS

Apply for Bookkeeping or Financial Analysis Services

👋 CONNECT WITH SYDNEY & KRISTEN 

Website: https://knowyourworthpgh.com/

Instagram: https://www.instagram.com/knowyourworth_pgh/ 

YouTube: https://www.youtube.com/channel/UC3wzOVSDSC-xsmLg8JJ8MJg/

When you’re in the thick of it, learning how to manage financial anxiety can feel really overwhelming to overcome. 

(Or it can feel like the only solution is to win the lottery and never have to think about money again.)

Financial anxiety is so common no matter your income level or skill set — it’s linked to our security and what we need to survive. 

In this episode, Kristen and Sydney are sharing the insights as to why the connection between mental health and finances is so strong, anecdotes about their personal challenges with money, and actionable advice you can start implementing today for how to manage your financial anxiety. 

01:32 — Understanding the connection between mental health and finances

14:09 — Why you need to have a simple budget to begin alleviating financial stress

15:47 — How to better focus on what you can control 

21:54 — Seek social support and understanding different perspectives

26:18 — How practicing mindfulness and stress reduction can help you have a different relationship with money

📈 UNDERSTANDING YOUR PROFIT AND LOSS GUIDE

Get the Profit and Loss Guide

❓TAX PLANNING QUESTIONS TO ASK YOUR ACCOUNTANT

Get the Tax Planning Questions Guide

🛍 75+ TAX WRITE OFFS

Get the Tax Write Offs

✅ BOOKKEEPING CHECKLIST

Get the Book Keeping Checklist

💵 BOOKKEEPING AND FINANCIAL ANALYSIS SERVICES FOR BUSINESS OWNERS

Apply for Bookkeeping or Financial Analysis Services

👋 CONNECT WITH SYDNEY & KRISTEN 

Website: https://knowyourworthpgh.com/

Instagram: https://www.instagram.com/knowyourworth_pgh/ 

YouTube: https://www.youtube.com/channel/UC3wzOVSDSC-xsmLg8JJ8MJg/

Whether you’re a new or established business owner, figuring out exactly what you need to know to manage and protect your business finances can make a huge difference in the success of your business.

When we work with new clients at Know Your Worth bookkeeping, we see even the most established businesses missing or overlooking some key elements for how to best manage and protect their finances. 

In this episode, we’re breaking down exactly what you should be considering when it comes to your business finances so you can be sure you’ve set yourself up properly and your revenue is best protected. 

02:21 – Setting up a bank account

10:45 – Income and expense tracking

13:22 – Insurance

16:36 – Contracts

📈 UNDERSTANDING YOUR PROFIT AND LOSS GUIDE

Get the Profit and Loss Guide

❓TAX PLANNING QUESTIONS TO ASK YOUR ACCOUNTANT

Get the Tax Planning Questions Guide

🛍 75+ TAX WRITE OFFS

Get the Tax Write Offs

✅ BOOKKEEPING CHECKLIST

Get the Book Keeping Checklist

💵 BOOKKEEPING AND FINANCIAL ANALYSIS SERVICES FOR BUSINESS OWNERS

Apply for Bookkeeping or Financial Analysis Services

👋 CONNECT WITH SYDNEY & KRISTEN 

Website: https://knowyourworthpgh.com/

Instagram: https://www.instagram.com/knowyourworth_pgh/ 

YouTube: https://www.youtube.com/channel/UC3wzOVSDSC-xsmLg8JJ8MJg/

Knowing your numbers is important, but so is your money mindset. 

Money mantras can be a simple way to reinforce what you want your relationship with money to be in this season and use it as a daily reminder that can help you take actions that align with that energy. 

Throughout different seasons of our lives, we can get so stuck in our current thinking, patterns, and financial situation. 

Tune in for 10 money mantras to create a better relationship with your money plus how to remember the money mantra you're working on

📈 UNDERSTANDING YOUR PROFIT AND LOSS GUIDE

Get the Profit and Loss Guide

❓TAX PLANNING QUESTIONS TO ASK YOUR ACCOUNTANT

Get the Tax Planning Questions Guide

🛍 75+ TAX WRITE OFFS

Get the Tax Write Offs

✅ BOOKKEEPING CHECKLIST

Get the Book Keeping Checklist

💵 BOOKKEEPING AND FINANCIAL ANALYSIS SERVICES FOR BUSINESS OWNERS

Apply for Bookkeeping or Financial Analysis Services

👋 CONNECT WITH SYDNEY & KRISTEN 

Website: https://knowyourworthpgh.com/

Instagram: https://www.instagram.com/knowyourworth_pgh/ 

YouTube: https://www.youtube.com/channel/UC3wzOVSDSC-xsmLg8JJ8MJg/