Money Talks: Real Financial Independence Chats

Money Talks: Financial Independence chats with Tracy Irwin - Episode Nineteen Steve Lees

No qualifications, a chip on his shoulder, and a call centre job. Steve Lees, better known as Frankie Grit, went on to sit in boardrooms, become a partner at a law firm, and run medium-sized businesses as chief exec. Then he lost it all and started again two weeks later. This is not your typical "look how successful I am" conversation. It is the honest, no-nonsense truth about what building a business really looks like, and what most solo entrepreneurs are getting completely wrong. In this episode, you'll discover: 💚 Why knowing your numbers is the foundation of everything (and no, it's not complicated)  💚 How to price your services based on your ideal life, not what everyone else is charging  💚 The feast and famine roller coaster that traps most business owners and how to get off it  💚 Why working ON your business in 90-minute chunks changed everything (and still does)  💚 The moment a business went bust and what happened just two weeks later  💚 Why asking for help is not a sign of weakness, it is just common sense  💚 How Steve wrote a business book he never intended to write and why it is unlike any other Perfect for you if: 💚 You are a solo entrepreneur who feels like you are constantly busy but going nowhere  💚 You want straight-talking advice that does not assume everything always goes to plan  💚 You are tired of seeing every business online look like it is smashing it when yours feels hard  💚 You know you need to understand your numbers but do not know where to start  💚 You are thinking about leaving corporate life and want an honest reality check first Resources: 💚 Steve's LinkedIn: https://www.linkedin.com/in/frankiegrit/  💚 Steve's Instagram: https://www.instagram.com/steve_coach_for_growth/  💚 Steve's Facebook: https://www.facebook.com/profile.php?id=61554739558232  💚 Steve's book: Search "Frankie Grit" on Amazon  💚 Get Shit Done Club: Join for free alongside the book ________________________________________ 🚀 About The Money Metrics Academy: We're not just another business course. We're building a movement. Our mission is simple: help every business owner understand their numbers, pay themselves properly, and achieve true financial independence. 📈 Join Thousands of Business Owners Who Are: 💚 Mastering their business finances in under 1 hour per week  💚 Finally paying themselves what they deserve  💚 Creating businesses that work FOR them, not against them  💚 Building real wealth and time freedom 🎯 Perfect for: Service-based business owners (£75k to £2.5M turnover) Entrepreneurs tired of sacrificing income for passion Business owners ready to understand their numbers Anyone seeking genuine financial independence 🔥 Ready to Transform Your Business? Stop sacrificing your income for your passion. Join a community that genuinely transforms lives and celebrates each other's successes. ________________________________________ If you are new to the Money Talks Podcast, I'm happy you clicked on my video! Hopefully, this video made you stay for good! Don't forget to SUBSCRIBE to my channel and press (🔔) to join the Notification Squad and stay updated with new uploads. ✨ 👇SUBSCRIBE HERE https://www.youtube.com/@tracy.irwin.official?sub_confirmation=1 𝐖𝐚𝐧𝐭 𝐭𝐨 𝐬𝐞𝐞 𝐦𝐨𝐫𝐞 𝐜𝐨𝐧𝐭𝐞𝐧𝐭 𝐥𝐢𝐤𝐞 𝐭𝐡𝐢𝐬...? ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬ 👍 Like the video (it helps a ton!) 💬 Comment below to share your thoughts! 🔗 Share the video with anyone you think it might help :) ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬ 📧 For Business Enquiries: tracy@tracyirwin.co.uk 📱 Stay Tuned On Social Media: » LinkedIn: https://www.linkedin.com/in/tracyalaineirwin/ » Instagram: https://www.instagram.com/tracyirwinfd/ » Facebook: https://www.facebook.com/tracyirwintfa 📞 Book a discovery call: https://calendly.com/tracy-successbynumbers/discovery-call 🟢 Join the Complimentary community for peer support: https://moneymetrics.scoreapp.com/ 🎬 SUGGESTED VIDEOS Don't forget to watch 📽 my other videos. Please check them out: ▶️ Recharge Your Brain: How Time Off Can Transform Your Business https://youtu.be/yaljSzF8FOc ▶️ Friday Finker – Your Easter Weekend Challenge for Time Freedom & Success https://youtu.be/MBd4LjyVa00 Stop Guessing: The 6 Numbers That Will Make or BREAK Your Business! #businessgrowth #financialfreedom #businessmetrics #timemanagement #profitfirst #businesssuccess #smallbusinesstips #entrepreneurmindset #knowyournumbers #timefreedom #worksmarternotharder #scaleyourbusiness #onlinebusinesscoach #moneymetrics #businesscoaching #profitnotvanity #sixfigurebusiness #burnouttofreedom #solopreneur #frankiegrit 💖 Thanks for watching! 💖

Money Talks: Financial Independence chats with Tracy Irwin - Episode Eighteen John Attridge

Real talk about money, decision-making, and what financial independence actually looks like with BBX UK CEO and serial entrepreneur John Attridge. This isn’t a polished “here’s my perfect success story” chat. John gets honest about freedom being less about flashy stuff and more about living life on your terms, plus the practical thinking that helps business owners stop panicking, start problem solving, and build something that can actually run without them. In this episode, you’ll discover:  💚 What financial independence means when you strip away the hype 💚 Why SMEs can beat big businesses on customer experience and speed 💚 The mindset shift that stops you spiralling when something goes wrong 💚 How the 80 20 rule can simplify decision making and focus 💚 Why “above my pay grade” kills customer service and how to fix it 💚 The truth about outsourcing, and why doing more of what you’re great at makes you more money Perfect for you if:  💚 You’re working hard but still feel stuck and stretched 💚 You want more freedom without needing a “ten million” finish line 💚 You’re tired of overthinking decisions and want a simpler way forward 💚 You know you should outsource but the cash flow fear keeps stopping you 💚 You want your business to be nimble, profitable, and actually enjoyable again Resources:  • BBX UK: https://bbxuk.com/ • John on LinkedIn: https://www.linkedin.com/in/john-attridge/  ________________________________________ 🚀 About The Money Metrics Academy: We’re not just another business course. We’re building a movement. Our mission is simple: help every business owner understand their numbers, pay themselves properly, and achieve true financial independence. 📈 Join Thousands of Business Owners Who Are: • Mastering their business finances in under 1 hour per week • Finally paying themselves what they deserve • Creating businesses that work FOR them, not against them • Building real wealth and time freedom  🎯 Perfect for:  • Service based business owners with £75k to £2.5M turnover • Entrepreneurs tired of sacrificing income for passion • Business owners ready to understand their numbers • Anyone seeking genuine financial independence  🔥 Ready to Transform Your Business? Stop sacrificing your income for your passion. Join a community that genuinely transforms lives and celebrates each other’s successes. If you are new to the Money Talks Podcast, I’m happy you clicked on my video. Hopefully, this video made you stay for good. Don’t forget to SUBSCRIBE to my channel and press the bell to join the Notification Squad and stay updated with new uploads. 👇SUBSCRIBE HERE https://www.youtube.com/@tracy.irwin.official?sub_confirmation=1 Want to see more content like this?  • Like the video • Comment below to share your opinion • Share the video with anyone you think it might help  📧 For Business Inquiries: tracy@tracyirwin.co.uk Stay Tuned On Social Media:  • LinkedIn: https://www.linkedin.com/in/tracyalaineirwin/ • Instagram: https://www.instagram.com/tracyirwinfd/ • Facebook: https://www.facebook.com/tracyirwintfa  📞 Book a discovery call: https://calendly.com/tracy-successbynumbers/discovery-call 🟢 Join the complimentary community for peer support: https://moneymetrics.scoreapp.com/ 🎬 Suggested videos:  • Recharge Your Brain: How Time Off Can Transform Your Business https://youtu.be/yaljSzF8FOc • Friday Finker, Your Easter Weekend Challenge for Time Freedom and Success https://youtu.be/MBd4LjyVa00  Stop Guessing: The 6 Numbers That Will Make or BREAK Your Business! #businessgrowth #financialfreedom #businessmetrics #timemanagement #profitfirst #businesssuccess #smallbusinesstips #entrepreneurmindset

Money Talks: Financial Independence chats with Tracy Irwin - Episode Seventeen Adina Petre

Real talk about trauma, money stories, and what “success” looks like when your nervous system is still stuck in survival mode with clinical psychologist and high performance coach, Adina Petre. Adina grew up in communist Romania, where scarcity, ration cards, and “black days” thinking shaped an entire generation’s relationship with money. Now living in the Netherlands, she shares how financial independence became less about being “extremely wealthy” and more about choice, pace, and building a life that actually fits. In this episode, you’ll discover: 💚 Why financial independence is really about choice, not just income 💚 How scarcity and corruption can shape money beliefs for decades 💚 The hidden link between trauma and feeling “stuck” in life or business 💚 How your subconscious can run your decisions without you realising 💚 Why so many people feel “my life looks fine, but I don’t feel fine” 💚 What it means to rebuild autonomy, confidence, and calm from the inside out Perfect for you if: 💚 You feel like you are pushing for success with the handbrake on 💚 You suspect your money story is driving your decisions behind the scenes 💚 You want a more human, honest conversation about trauma and ambition 💚 You are building a business and want to understand what is really blocking your next level Resources: • Website: https://adinapetre.com/ • LinkedIn: https://www.linkedin.com/in/adinapetre/ • Instagram: https://www.instagram.com/adinapetreinsights/ • Facebook: https://www.facebook.com/adinapetreinsights ________________________________________ 🚀 About The Money Metrics Academy: We’re not just another business course, we’re building a movement. Our mission is simple: help every business owner understand their numbers, pay themselves properly, and achieve true financial independence. 📈 Join Thousands of Business Owners Who Are: 💚 Mastering their business finances in under 1 hour per week 💚 Finally paying themselves what they deserve 💚 Creating businesses that work FOR them, not against them 💚 Building real wealth and time freedom 🎯 Perfect for: Service based business owners (£75k to £2.5M turnover) Entrepreneurs tired of sacrificing income for passion Business owners ready to understand their numbers Anyone seeking genuine financial independence 🔥 Ready to Transform Your Business? Stop sacrificing your income for your passion. Join a community that genuinely transforms lives and celebrates each other’s successes. If you are new to the Money Talks Podcast, I’m happy you clicked on my video! Hopefully, this video made you stay for good! Don’t forget to SUBSCRIBE to my channel and press (🔔) to join the Notification Squad and stay updated with new uploads. ✨ 👇SUBSCRIBE HERE https://www.youtube.com/@tracy.irwin.official?sub_confirmation=1 Want to see more content like this? 👍 Like the video (it helps a ton!) 💬 Comment below to share your opinion! 🔗 Share the video with anyone you think might help :) 📧 For Business Inquiries: tracy@tracyirwin.co.uk 📱 Stay Tuned On Social Media: LinkedIn: https://www.linkedin.com/in/tracyalaineirwin/ Instagram: https://www.instagram.com/tracyirwinfd/ Facebook: https://www.facebook.com/tracyirwintfa 📞 Book a discovery call: https://calendly.com/tracy-successbynumbers/discovery-call 🟢 Join the complimentary community for peer support: https://moneymetrics.scoreapp.com/ 🎬 SUGGESTED VIDEOS Recharge Your Brain: How Time Off Can Transform Your Business https://youtu.be/yaljSzF8FOc Friday Finker, Your Easter Weekend Challenge for Time Freedom and Success https://youtu.be/MBd4LjyVa00 Stop Guessing: The 6 Numbers That Will Make or BREAK Your Business!

Money Talks: Financial Independence chats with Tracy Irwin - Episode Sixteen Sharon Kemp

Real talk about corporate life, time freedom, AI, and what financial independence really means with Sharon Kemp. In this episode, Sharon shares how she went from 25 years in corporate to building two businesses, one focused on workplace culture and the other helping female founders use AI and automation in a practical, human way. We talk about the reality of feeling trapped by your own success, why more money does not always create more freedom, and how AI can help you get your time back when used with intention. In this episode, you’ll discover: 💚 Why financial independence is really about choice, not just income 💚 What happened when Sharon realised business ownership was giving her less freedom, not more 💚 How AI helped her reclaim time and create a second business 💚 Why knowing where your time goes is the first step before using any AI tool 💚 The difference between working in your business and working on it 💚 Why selling outcomes, not just time, is such an important mindset shift Perfect for you if: 💚 You left employment to create freedom but feel busier than ever 💚 You want your business to give you more time, not take more from you 💚 You are curious about AI but do not want more noise or overwhelm 💚 You know you need a clearer plan for growth, profit and time Resources:  Sharon on LinkedIn: https://www.linkedin.com/in/sharon-kemp-39559b3/ Sharon on Facebook: https://www.facebook.com/profile.php?id=61560520199195 Sharon on YouTube: https://www.youtube.com/@Thrivecomms Sharon on Instagram: https://www.instagram.com/sharon_thrivewithai/ 🚀 About The Money Metrics Academy: We are not just another business course. We are building a movement. Our mission is simple. To help every business owner understand their numbers, pay themselves properly, and achieve true financial independence. 📈 Join business owners who are: 💚 Mastering their business finances in under 1 hour per week 💚 Finally paying themselves what they deserve 💚 Creating businesses that work for them, not against them 💚 Building real wealth and time freedom 🎯 Perfect for: 💚 Service based business owners with £75k to £2.5M turnover 💚 Entrepreneurs tired of sacrificing income for passion 💚 Business owners ready to understand their numbers 💚 Anyone seeking genuine financial independence 🔥 Ready to transform your business? Stop sacrificing your income for your passion. Join a community that genuinely transforms lives and celebrates each other’s successes. If you are new to the Money Talks Podcast, I am so glad you clicked on this video. Hopefully, this episode is one that makes you want to stay. Do not forget to SUBSCRIBE to my channel and press the bell icon to stay updated with new uploads. ✨ 👇 SUBSCRIBE HERE https://www.youtube.com/@tracy.irwin.official?sub_confirmation=1 Want to see more content like this? 💚 Like the video because it really helps 💚 Comment below and share your thoughts 💚 Share this episode with someone who needs to hear it 📧 For business enquiries: tracy@tracyirwin.co.uk 📱 Stay connected on social media: 💚 LinkedIn: https://www.linkedin.com/in/tracyalaineirwin/ 💚 Instagram: https://www.instagram.com/tracyirwinfd/ 💚 Facebook: https://www.facebook.com/tracyirwintfa 📞 Book a discovery call: https://calendly.com/tracy-successbynumbers/discovery-call 🟢 Join the complimentary community for peer support: https://moneymetrics.scoreapp.com/ 🎬 Suggested videos 💚 Recharge Your Brain: How Time Off Can Transform Your Business https://youtu.be/yaljSzF8FOc 💚 Friday Finker: Your Easter Weekend Challenge for Time Freedom & Success https://youtu.be/MBd4LjyVa00 💚 Stop Guessing: The 6 Numbers That Will Make or BREAK Your Business!

Money Talks: Financial Independence chats with Tracy Irwin - Episode Fifteen Maria Kelly

Real talk about financial independence, AI, and what it really takes to build a business that gives you more freedom with Maria Kelly. This is not one of those polished conversations that pretends success is simple. It is an honest, thoughtful chat about money, mindset, career change, and how small business owners can use AI in a way that actually saves time and makes life easier. In this episode, you’ll discover: • Why financial independence is really about choice, lifestyle, and peace of mind • What Maria learned from working with high net worth individuals at Sotheby’s • How money can amplify behaviour, but not necessarily change who you are • Why small business owners should start with problems first, then ask whether AI can help • How one simple AI note taker saved Maria hours every month and improved her client experience • Why trying AI tools monthly makes far more sense than locking into annual plans • The honest truth about moving from corporate life into running your own business • Why paying attention to your money earlier can make a huge difference later in life Perfect for you if: • You want more honest conversations about money and financial independence • You are curious about AI but do not want more overwhelm • You are a business owner looking for simple ways to save time • You are navigating the shift from employment to entrepreneurship • You want practical insights without jargon or hype Resources mentioned: • Maria’s LinkedIn:  https://www.linkedin.com/in/askmariakelly/  • Maria’s links:  https://linktr.ee/AskMariaKelly  About The Money Metrics Academy We are not just another business course. We are building a movement to help business owners understand their numbers, pay themselves properly, and create genuine financial independence. 💚 Join business owners who are: 💚 Mastering their business finances in under 1 hour per week 💚 Building businesses that work for them, not against them 💚 Creating more time freedom and more confidence 💚 Learning the numbers that really matter Perfect for: • Service based business owners • Entrepreneurs who want more clarity and less stress • Business owners ready to understand their numbers • Anyone who wants more time freedom and financial independence Ready to transform your business? Join the complimentary community and start getting clearer on the numbers that support your growth. If you are new to the Money Talks Podcast, I am so glad you clicked on this video. Hopefully, this episode gives you plenty to think about and inspires you to keep listening. Do not forget to subscribe to my channel and press the bell to stay updated with new uploads. Subscribe here:  https://www.youtube.com/@tracy.irwin.official?sub_confirmation=1  Stay connected: LinkedIn:  https://www.linkedin.com/in/tracyalaineirwin/  Instagram:  https://www.instagram.com/tracyirwinfd/  Facebook:  https://www.facebook.com/tracyirwintfa  Book a discovery call:  https://calendly.com/tracy-successbynumbers/discovery-call  Join the complimentary community for peer support:  https://moneymetrics.scoreapp.com/  #businessgrowth #financialfreedom #businessmetrics #timemanagement #profitfirst #businesssuccess #smallbusinesstips #entrepreneurmindset #knowyournumbers #timefreedom #worksmarternotharder #moneymetrics #businesscoaching  💖Thanks for watching!💖