Tax season is bringing up lots of money shit for our community so we wanted to shed some light on our entire business finance trajectory — what it took to get the business off the ground, the financial struggles along the way, and a full rundown of where we’re at now in terms of debt, investments, and perspective on financial risk.

We cover:

• How we finally saved enough to pay our taxes this year

• Our finances when we met and how Xanthe finally stopped living in overdraft

• What we invested to start the business and where our finances were at when we launched

• How we bought our Tulum house and the debt incurred from purchasing + renovating it

• Why we had to shut down our agency and the financial implications of that decision

• Selling our Tulum property and where we reinvested the cash

• What debt we’re currently carrying and our repayment goals

• Beliefs around debt, taking financial risks vs. being “responsible”

This is a robust conversation about both financial failure and financial opportunity — with a very loud acknowledgement of the privilege that has underpinned every success we’ve had, money and otherwise.

If you have any questions about any of the topics or experiences we covered, please reach out to @frankappleyard or @xanthe.appleyard on IG! We’d love for this dialogue to continue and deepen!