What does “success” actually look like for you as a pet groomer?

Is it being fully booked and earning good money… or is it having long-term security, less stress and real freedom?

In this episode, Bill is joined by money coach Fanny Snaith to explore the difference between being rich and being truly wealthy – and why that matters for grooming business owners.

This isn’t just about numbers. It’s about how you think, feel and behave around money.

They discuss:

1. The key difference between earning well and building real wealth
2. How your mindset around money shapes your business decisions
3. Why being “busy” doesn’t always mean being financially secure
4. The impact of stress, pressure and expectations on your finances
5. How investing in yourself can change your long-term future

For many groomers, the focus is on getting through the week, filling the diary and keeping clients happy. But this episode challenges you to think bigger – and longer term.

Because real wealth isn’t just about what you earn today… it’s about what you build for the future.

If you’ve ever felt like you’re working hard but not getting ahead, this conversation will help you start looking at your business – and your money – differently.

As always, I'd like to thank the podcast sponsor, Lopay, the low-cost payment platform that helps you keep more of the money you earn.

You can find out more and sign up for Lopay here:

https://merchant.lopay.app/ref/PETPASSION2500

Listeners of this podcast get £2500 of fee-free transactions.

And if you’d like support building a stronger, more profitable grooming business, visit:

https://petpassiontoprofit.com/

If this episode made you rethink your goals, make sure you subscribe and share it with another groomer who’s ready to build a better future. 🐾

Welcome to the Pet Grooming Business Podcast with me, Bill Betts, where we give practical business advice to help you grow your pet grooming business.

This podcast is sponsored by Low Pay, the low rate payment app that gives you more.

So without further ado, let's get going.

All right, welcome, everyone.

Welcome to our next episode and this, this one's going to be a great one.

It's a really fitting time to do this.

And we are joined by the lovely Fanny Snaith.

Welcome, Fanny, how are you?

I am.

Do you know what?

I'm excellent.

Good.

Like it?

Really good.

I'm so pumped for 2026.

Shall I tell you why?

Yes, by all means, tell us what.

So you know, I'm a big fan of numerology, which is that little study of numbers where each of the numbers between 1 and 9 actually and 0 all have a little mean, like a toolkit they want to.

So we are in a 2026 add.

2026 is a 10, which is a 1, which is all about new beginnings.

So all the crap and hassle of 2025, which obviously was a nine year, we can just say bye, bye and welcome in all these new beginnings for 2026.

Yeah, I think that's very personal because hopefully people are going to listen to this and it's going to be a little bit punchy, if I'm honest.

We're going to be like, there may be some people a bit upset list because it's going to ask some, some questions of you and of the listeners.

And it's inspired by my avid reading of the Psychology of Money.

And I reached out, I reached out to Fanny to discuss wealth, wealth building.

And I think this is a whole new concept to me.

And one of the first questions I want to ask people or to bring to highlight to people, are, are people chasing, wanting to be rich and should we be chasing wanting to be wealthy?

And what's the difference between being rich and wealthy?

What's your ideas on that?

You never primed me, but that might be a.

Okay, but I love this question because this is what I see and I think for the listeners, watchers, whoever they may be, really focus on what comes up in your mind at that moment.

Don't just listen to what I say or what Bill says.

Question everything and start listening to yourself.

So rich for me means having lots of money.

So the next question from that is, what does having lots of money look like?

And then you'll have a figure that comes up in your mind.

Being rich.

Dunno.

I think it's more of a monetary thing.

So millionaire, billionaire, trillionaire, who knows?

So rich I think is very much linked to a figure feeling.

Being wealthy is holistic in my opinion.

So it's all of us.

So when I, when I reached my first million, which I know many of your listeners know about, I was essentially at that particular point could have been considered rich.

I was not wealthy because I was stressed, in fear, miserable, and having that money did not fill me with a feeling of wealth at all.

Now

I'm feeling wealthy because I am able to be aware and fulfilled with what I.

With what I have.

And I think that is a big difference.

Yeah, you've gone very deep in there.

You've gone very.

Maybe I'm a bit surface level.

Maybe I'm just like surface.

You've gone deeper, but in that how wealth is your whole entire outlook on.

Yeah, and I mean, one of the things that I run is something called the Self Wealth Project.

And the reason that I devised the Self Wealth Project was when I was training to become a cognitive hypnotherapist and master NLP practitioner, the master part, we had to do something called Project you.

And the first thing that my trainer said to me, right, I want you to think of a goal that you can come back with in six months time to say that you've done it.

And I was like, oh God.

Because I was still in sort of, wasn't it totally miserable.

But I certainly wasn't where I am now.

And I thought, what am I going to do?

So I did something where I looked at the whole of my life.

I did a Wheel of Life.

Have you ever done that exercise?

Yep, I did a Wheel of Life and it was very up and down.

It was not a smooth wheel at all.

Just for people who don't know what a Wheel of life is, it's a circle which is divided into eight pizza slices.

And each slice is given a title like home, environment, significant other, health, wealth, career, yada, yada.

Right.

Personal development, whatever.

And I.

You're supposed to give each, each slice a mark out of 10 and then you mark it on the circle and you end up with either a smooth wheel or a wonky wheel.

Most people will end up with a bit of a wonky wheel.

So I set myself the goal of which I hated at the time because of all the things I used to think behind, what goal setting meant of having a smooth eight.

And in order to do that, I realized that I had to smooth out every area of my life.

I had to look at the environment that I was in.

I had to look at my husband, I had to look at my family, I had to look at my job and all that kind of stuff and my health, if I was going to be able to do that.

Now, the next thing I learned was in order to have that smooth circle, there was something that needed to.

For me to achieve that, I needed to have money, because money is the thing that supports all of those desires and all of those things.

So then I thought, yes, I've got the money to do those things.

And I literally, I stopped work for six months and I just focused on this thing.

And I suddenly thought, what I found is self wealth.

And this is the thing they say, wealth comes from within.

Because you could look at some of the poorest people out there and they have a funny, a fantastic sense of community.

Maybe they live in the flat that they're quite happy with.

They've got a partner that they're happy with, children, and they can feel as wealthy as I do.

So it's not all about how much you've got in the bank.

It's very much holistic on where you are.

But I like that.

I like the fact that you did sort of allude to the fact that you do need to build that, that financial wealth to then smooth out your whole.

Pump up your whole tire, as it were.

Smooth out your whole wheel of light.

Yes, pump up your whole tire.

I like that.

But I think, and this is the comparison, this is the comparison I've been trying to make, because we're talking about being rich and being wealthy.

And I feel a lot of people out there, you know, try and look rich or chase being rich, but they don't focus on being wealthy.

And I think, I think Morgan Housel sort of says in his book, you know, it's like Keeping up with the Joneses effect.

The, the having the nice car on the driveway, the, the nice expensive watches, the Gucci clothes, and, you know, that, that looking rich but actually feeling.

Not feeling wealthy at all.

Because all of our, our income is going into these, these items and not actually on ourselves.

Yeah.

Yes.

And I mean, we all know the phrase, you know, keeping up with the Joneses, but by the way, the Joneses are broke.

But it's.

I've did.

I've done a session actually, in your, in your program specifically about Keeping up with the Joneses.

We actually called it Keeping up with the Joneses and we talked about cars and stuff like that.

But if you think about it, I had money in the bank and I didn't feel wealthy and I didn't have big house and all that kind of stuff and I didn't feel rich and I didn't feel wealthy.

The people that go and spend their hard earned cash on things that make them look wealthy are neither rich nor wealthy nor nothing.

And it's, it's interesting, isn't it?

It's interesting.

I, you know, I'm never going to be one of those people that really cares about or I just, it's just not high on my values.

Yeah.

And I think this is the thing that we need to look at.

If people really want to spend their money on those kind of luxury items, at least do it with a happy heart.

Yeah.

Because we were discussing this earlier, wasn't it?

Because we, some people or people strive to be, to be, to be rich or look rich, but they're actually quite deeply unhappy.

And I suppose we've seen it quite a lot within our business program where we've had many, many clients come along where they're working bloody hard, but they've got, unfortunately they've got a lot of debt behind them and that really sort of drags them down.

And I suppose one of the reasons why I wanted to bring you on to talk about this is because I know a little bit of your backstory, although I didn't really understand it until last year, where all of a sudden you're like, I'm wealthy, but I haven't actually gone out and had a hundred thousand pound salaries or jobs or.

And I found that really interesting because maybe I've just made that assumption that you've, you know, you've worked your way and you've saved and you've had the large salaries and you've invested the money, but actually, and you're shaking your head like, no, no, not at all.

And this is why I love it.

This is why I wanted to bring you on and talk about wealth creation.

Because I think there'll be many people listening to this that have this belief that they just can't do it.

And this is what I want to like, try and move people, you know, move people through where one of my mentors, Alex, who, you know, has sort of put put a statement boldly out there saying like, poverty is hereditary and is passed down to us from our family.

And I do resonate with that a little bit because if you're, you're growing up in a house and you're being passed on these like, beliefs and mindsets from your family, then how do we change ourselves?

So tell us about your Sort of wealth creation journey.

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The first thing, that, first thing that happened to me was to have a really good reason why to have that real purpose of it.

I want to be wealthy because, and I think so most people here, I did come from a wealthy family.

My mum inherited a lot of money when her father died and she married like a normal man.

And anyway, she got married and got divorced lots of times, all before I was 10.

And then the third husband that my mum married, who was also her bank manager, got blackmailed and gave all the money away overnight, like all of it.

And so it was like one minute we were wealthy and the next minute we just weren't.

And I came out of boarding school and joined the free school meals queue and the local comprehensive.

That's the story.

Basically.

I was 10, I wasn't even 11 by the time I started comprehensive school.

And I remember standing in that free school meals queue with everybody looking at me.

I spoke quite nicely.

Cause I'd just been to a very posh boarding school and they were sort of going, just nothing fit.

Right, A posh girl.

I was really tall.

I felt like Big Bird off the

Sesame street, like without the inbetweeners turning up with your pink.

Oh, God.

It was just.

It was so horrific.

I didn't know anybody.

They separated the queues.

So I was in the free.

There were three poor people, people who can pay.

And I just.

And I just went.

I had this real surge come up within me that just went, this is not.

This isn't going to happen.

I'm going to get wealthy.

I'm not going to rely on anybody for money.

Because if, even if a bank manager can do this to my mum, then I can't trust anybody, can I?

And there was my planted fear, et cetera.

So that was my why for wealth building.

Now, I'm not going to actually advocate that as being really helpful because everything I was doing came from fear.

However, I planted a seed in my mind that said, I am going, I am a wealth builder, right?

That became my new identity.

I am a wealth builder.

And I can honestly say that I don't think I've really been without a job since I was 11 years old.

Start with a paper round and right from the get go.

No, that's not true.

Not right from the get go did I start saving.

But as I got a little Bit older.

I always made sure that I had my own money.

So if you think about like money that I did, the most money I've ever earned and I'll be, I'll be, I'll be frank about this, the most money I've ever earned in the salary was 50 grand in 1999 when I was working in television and I saved £20,000 because I knew I was going to have a baby and I wanted to save up to have a baby.

So that was, that was like the first thing.

So I put 20 grand away actually as it went through.

I then started making choices.

So like for instance I made a choice a bit before that, 1998, going back then that I wanted to buy a house.

I needed to be on the property ladder.

I felt I was lucky enough that I could borrow £10,000 from my dad and I bought a house in London that was instead of a one bedroom flat, I bought a three bedroom house because I got a job.

So I needed to get a job in order to do that because I was freelanced and nobody was going to give me a mortgage being freelanced.

So I went and found a job that I didn't really want to do but I found a job to get the mortgage to move into the house and I then took on a lodger who basically paid the mortgage.

So that was that.

So the money that I was then earning was able to be put away and at very same time, and this is the coincidence part of it, but this is like going out and sniffing things out.

I came across a chat from a company called the MI Group, which was a notoriously bad financial services company who were apparently terrible at selling.

You know they like I really wanted you to sell.

And I was lucky enough to come across a financial advisor and he advised me to, rather than invest in some of the funds which were doing going into the dot com because we were coming up to dot com time.

He said I'm really an advocate of Neil Woodford who was Invesco Petrol and he stayed out of the dot com.

And then obviously when the bubble burst I was on the right track and many people were on the wrong track.

But every single time I try I do something with money.

I always have to have safety, security and freedom first.

So that's always my thing.

So if I think about let's go and buy a new car, et cetera, that would like never happen because it would put me in a situation whereby things would be tight and I don't, if I have, if things are tight then Everything just gets so stretched and it's like, it's got to not be like that.

So that was that.

And then literally people would say, book, holidays, going to the Caribbean, etcetera, And all this kind of stuff.

And I would go, no, I have to fess up that I was very lucky that we had a family home in Majorca.

So.

But I ended up going to the same place all the time.

Right.

So it's, you know, it's.

That was a.

That was obviously great.

It wasn't spending on holidays, but I never went and bought rich cars or anything, like, never like that.

Really like that.

So it literally just started with a pound, became ten pounds, ten pounds became one hundred pounds, one hundred pounds became one thousand pounds, a thousand pounds became nine hundred pounds, nine hundred pounds became two thousand pounds, two thousand pounds became three thousand pounds, became one and a half thousand pounds, became five thousand pounds.

And it literally just keeping on, just going, I'm going to keep going, I'm going to keep going.

I'm going to keep going, I'm going to keep going.

And before I knew it, I had about 100k.

And once you get to that 100k space, everything changes.

Because there's a phrase from Benjamin Franklin who said, money makes money and the money that money makes makes money.

And it is true that once you start, it's like a snowball.

It's a bit like debt, but the other way around.

Yeah.

So.

But the thing about wealth building, I would say that the major thing is identify.

We talked about identity a little bit before the call.

How can you start to identify as a wealth builder?

Well, first of all, I've just written that down and I'm going to print it out and I'm going to put it on my bottom of my computer to remind you are a wealth builder.

To change that belief.

I am, you know, to give me a positive, like, I am a wealth builder.

I'm not after.

I don't want to be.

Not looking to be rich.

And we're talking about being financially free.

I'm not sure about that either.

But I'm going to change that belief to I'm a wealth builder because I feel that's financially free is kind of like.

I see it as quite hard to achieve.

But a wealth builder is a journey.

I think that's what I.

What I like about that.

It's a journey that you go on.

Exactly.

Yeah.

And more than it's a journey, it's an adventure.

Yeah.

And you know that, like, it's what I.

Well, this Is the thing.

This is what I sell.

I sell the financial adventure.

And, and you know, and like I said before, we're not talking Dora the Explorer, we are talking Indiana Jones.

Yeah.

And it's not a smooth, it's not smooth journey, but you literally, you work out, you start to be the pilot, the driver of your life, not the passenger.

You know, all the time I'm hearing so much, well, this person did that to me and that person did this to me.

And you know, this isn't fair because of that.

And I am having to battle is like, oh, for goodness sake, I get it.

I know.

Yes.

So what?

And this is where it gets a little bit uncomfortable.

And I, and I also got to bring up something else that for those who are deeply ensconced in victim mode of.

Which is fine.

I'm not asking them, you, whoever they may be, to just literally stamp it out, but I would like to say recognize it as an identity, that victimhood is an identity.

Get it out, vent, get it all out in one go and then park

it and become a wealth builder.

Change the bullets and become a wealth builder and then choose who you're going to become and practice that rather than continuing to practice the victimhood.

I've got loads of questions around this that are going through my head.

So when you chose and, and I think this is really important.

It's all about choice.

And I think many people listening might not be able to make that choice or see that choice or understand that choice because their belief is that they can't do it.

Or, you know, who am I to be wealthy?

Or, you know, how can I be wealthy where I live?

And I, I, you know, I, I'm scared of money or money scares me.

But we have to change that belief to then understand that we have choices.

I suppose, but go on.

Well, I was just gonna say all of those questions.

Feelings, emotions are real, you know, or they're perceived to be real.

We perceive them to be real.

Fine.

So become conscious and aware of them rather than just sort of swimming in this sort of open space of water, which is like, well, all I'm going to have, all that's going to happen to me is I'm going to drown.

Well, hang on a minute.

I can either drown or I can wake up, I can look around and I can go, how far is the bank that side?

How far's the bank that side?

Are there?

If I keep on drifting down the river, I've got to go with the river.

Am I going to come to a rock That I can hold onto, that I can then build a bridge.

But this is the thing.

It's like do something, don't just do nothing.

It's like thinking about if you really want to make a change and I'm going to put something in here as well.

I have had so many struggles in my life.

Right.

I am a fellow struggler, the same as every single person that is listening to this call.

We all have our own struggles and for those people who say that they haven't, I mean if they really believe that they haven't, great.

But I'm sure that we all come up against challenges and things in our lives and it's like.

But something that I've learned over time and by jingle.

I wish I hadn't waited until I was sort of 60 to get, you know, I wish I got a lot started a lot earlier on this work, on this work rather than done.

We've been doing it for what, 20 years now.

Just take each struggle as a time and just kill it,

not physically kill it.

We don't want people in there, in prison.

But no, no, in your mind, in your mind it's like, how do I, how do I slay this beast?

So some questions I have for you on your, your wealth building journey and there might be some people questioning this themselves, like, yeah, what, what education, what education did you have?

What did you go and find out?

Did you go in, did you do this at the same time as being educated?

Did you go out bind education.

Okay, so let's talk about hereditary things first of all.

So I inherited, if I split myself down the middle, I inherited part of my mother, massive spender, impulsive.

Through that behavior she learned how to set up a business and she started counting pennies and making things work.

So I learned a lot from her.

So when she set up her sandwich business when I was about 12, 13, we were literally had to make 300 rounds of sandwiches every day, noticing that we only put in two slices of tomato because if we did three, then the profit margin went down.

Great learning, right?

Yeah, yeah.

Then coming in and counting all the pennies, making little piles of things, liked all that.

So I inherited that from my mum, from my dad.

My dad was Mr. Frugal.

Right.

We used to call him Alan Perfectly adequate Owen because he'd have no sounds like perfectly adequate.

Exactly.

Perfectly adequate.

Right.

And I've inherited that as well, which is why I've Got a Honda CRV 2004 on the drive that is old and pretty knackered, but it really works.

And I absolutely love it.

Right.

So it's perfectly adequate.

It's not a big new sparkly car, which doesn't interest me anyway.

So I did inherit stuff, right?

So that's the.

That's one thing.

And then education I learned through my experiences.

So I learned that through having a job and really respecting and loving the money that came in every week from my paper round.

And thinking about what I had to go through to get that money made me respect the money that it was.

That was one thing.

Oh, one of my first experiences was when I was with my sister when we lived on the Isle of Wight, and we used to play shocks.

So we used to go to the shop and buy a load of sweets, and then we used to bring it back home and sell it to the neighbors and stuff for exactly the same price that we bought it for.

Right?

It's like, ooh.

So the next.

And then the next piece of education I had was one thing that happened to me was when I was.

I think I've told this story before is I was traveling in Australia and I'd been working, working, working, working, working really hard and earning.

Actually, I wasn't working really hard.

I was working really not hard.

And I earned lots of money when I was there.

And I don't mean hundreds of thousands, but I mean, as a traveler, I was earning lots of money.

And then when I went traveling, I realized I'm not going to earn anymore.

So I've got.

All of a sudden, I ended up with a finite amount of money just to do what I wanted to do.

So I did the budgeting.

Every day I go, well, if I've got this.

My number of days and I've got this amount of money, how much money have I got per day?

And then I thought, well, if I spend a little bit less than the budget every day, then I know I'm never going to run out.

And then I might have a bit extra at the end.

So that was a learning curve.

I'd already started to set up my investments by then, and I was putting regular amounts of money, very small, very small amounts of money in there.

Over time, watching that grow, I was going, right, earth that growing.

How did you learn about that investment?

You know, I grew up never knowing about investments.

I wasn't taught it at school.

My parents never invested in anything.

In fact, they.

When I turned around and was like, I want to invest my money in the in S&P 500, they're like, oh, that's a bit risky.

So how did you.

How did you learn?

Okay, that's a good question.

So let me think.

Well, my dad.

So my dad, he invested a little bit and it was all terribly secretive and he believed that it was really risky and he didn't trust his financial.

It was awful.

It was a real horrible vibe.

When this man came into his flat to talk about things.

He's.

The poor man had all this negative energy going towards him.

You know, you're a nasty man.

But we're here to talk to you anyway because this is what we feel we should do.

And then on the flip side, he was asking.

My dad was asking me to find him the best savings account.

And I was literally fannying about with, should we do 3% here or should we do 3.1% here?

Quite a lot of money.

Say, like, say 100K.

But are you talking about you doing this?

And I.

This just isn't right.

This really is not right.

And then at the same time, I think I just came across this financial advisor man.

Just trying to think and.

Oh, yeah.

And also, don't we remember when we used to buy properties, we used to have to have endowments, didn't we?

Do you remember?

No, I didn't.

Well, when you.

Back in the day, you bought a property and you got a mortgage, and as part of the mortgage, you had to set up what they called an endowment policy, which was a place where you put a certain amount of money every month so that if when the mortgage came to being paid off, you had enough money there to.

To basically pay off.

It wasn't done in the same kind of way that we do it now.

And a lot of people found that their endowments didn't pay out.

So I was having to.

When I bought my.

I bought my first property when I was quite young and we had set up an endowment and it was all like, what is this?

And I don't know.

I think I did have a kind of natural interest in it.

And I think that it was about the other thing is my.

My dad had said to me, he said, always said to me, when I die, you will end up being a rich woman.

And that scared the shit out of me because it was like, okay, but.

And I didn't know what it meant.

I had no sort of real figures around it.

I could see sort of some of the things it did.

He didn't make me rich one.

But it's like, I don't.

You know, it's a really good question.

I think this is really important because

I think it is.

So.

All right, well, let's see, rather than thinking about what it was for me, because I think I had a genuine interest in it.

But then think about it, Bill.

I planted the seed when I was 10 years old that I was going to become a millionaire.

So there's going to be some kind of natural brain path for me to go.

Just doing.

It's a drive, right?

And it's like, I want.

I need to do more.

I need to do more.

And don't get me wrong, I've made some massive mistakes in my life when it comes to money.

I really have made some big mistakes.

But it's.

I think the thing is, if you look at somebody like our lovely friend Jason Greystone, very strategic.

You know, it's like you have this one pound and this goes into there, and everything is absolute strategy for Jason.

It's very analytical, isn't he?

Well, he's very analytical.

If we go back to the numerology again, I probably shouldn't talk about this in front of Jason, but Jason's numerology feeds directly into method and order.

Mine doesn't.

My first two numbers, but my overall number is all about wealth and abundance and power and all that kind of stuff.

But my way of getting there is a lot more haphazard.

So.

And I think that generally people are not as strategic as others.

I mean, for the.

It's all very well, hearing people go, well, you do this and that percentage of this, and it doesn't suit everybody.

Doesn't suit me.

I don't know.

I don't think it suits you either.

No.

And that's why I wanted to dig into, like.

Well, you know, everyone's saying you must.

There's lots of musts out there now.

You must do this and do that and invest and.

But I know, I understand, you get that constant message, invest your money, invest your money, go into the stock market, do trading, whatever.

But I understand that fear.

I know that fear.

I feel.

I felt, I felt that fear over the years.

You know, I was very.

My money mindset when I was younger was very poor, and I was very.

It scared me a lot.

Money, you know, and it's only been the last five years.

And I'll tell you what the difference is.

For me, the last five years, in the last five years, and I was thinking about this earlier, I'm quite happy to share this.

Like, me and Emma have never had as much money as we've ever had.

Now, if that makes sense, in the last five years, we've really accelerated the, the, the money that we have in our lives.

And that is purely through meeting different people with different mindsets that focus a bit more on wealth creation, wealth building, meeting people that challenge us and challenging our.

Our fundamental beliefs.

You know, the.

The society tells you to do this and, you know, school wasn't perhaps the best thing for us and things like that.

And so, you know, the changes that we've made in the last five years has really resulted in big changes for us.

And I think this is the important point I want to make, is like, we need to start understanding how we can shift our beliefs.

And Moneybox, Radio 4, Moneybox, this was November, I think, asked a question because I like to listen to Radio 4.

Don't tell anyone.

They said.

They said, how are you dealing with the cost of living crisis?

And that really, like, that drives me mad, that cost of living crisis phrase.

And they've got a BBC correspondent now that like, hands it up and make.

And everyone was like, phoning in and saying, well, I'm doing this and I'm budgeting and doing that.

And I phoned in and I messaged him and said, I'm educating myself to deal with the cost of living crisis.

Yeah.

And I think that's so important, isn't it, that education?

Yes, well, it.

And it is.

And it's about, I would say, rather than just education, it's being conscious and aware, first and foremost.

It's about knowing that you need to wake up and that if you want something different to happen, then you're gonna need to do something differently.

Yeah, that's the thing.

And it's like the same thing is like also, you know, I'm gonna just remove my camera for a minute and show you something.

So look, these books up here, right?

Can you see?

There we go.

Shelf development.

They can either be shelf development or you can actually embody those books and really take something away.

Because again, I think what happens is.

Do you know what?

I've been really noticing this recently.

You know this phrase, I know, I know, I know.

So we go, I really.

We all really need to learn more about financial education.

I know.

Now, NLP taught me that when you say I know, you essentially send a message to the brain that you don't need to learn anything.

Right.

Because you already know it.

There's no challenge, though, is there?

That's right.

It's like, yeah, I know, I know.

And so you'd never.

Then take it forward is go, we all need to learn financial education.

Rather than saying, I know, wouldn't it be better to go, I agree so what do we need to do to financially educate ourselves better?

And I know that that sounds a bit silly, but those two different ways of saying things are the difference.

Because for the people that go, yeah, I know, I should, and then they carry on doing what they're already doing, or there are people that go, do you know what?

That's a really good idea.

I am going to get a book.

So it's either shut the path down or open it up.

And this is the same with anything.

It's the same with anything.

And I think that there's a really interesting model that I reckon all of your.

You can get it on the Internet, it's free.

You don't need to be any kind of therapist or behavioralist to have a look at it.

But check out the Robert Diltz D I L T s neurological levels.

And it's the good old pyramid again.

And it's got five or six different levels, I can't remember which.

I think it's six.

So you've got, at the bottom you've got your environment.

Your environment.

Then you've got behavior, then you've got skills and capabilities, then you've got values and beliefs, identity.

And then on the top you've got vision.

Okay.

And the problem with it is, is that we can change our, our environment.

So I'm gonna.

Can I.

Can we do an exercise, actually, can we do an exercise around that?

Because I think this is quite interesting because you could take me as a, as an example.

Do you want to be a guinea pig?

Yeah.

And I think we can, we can start at the, we can start with the bottom and I can sort of go through what, what has happened for me in the last sort of five years.

Let's do it.

If that makes sense.

Yeah.

So environment wise.

Yes.

I was in the police.

I was institutionalized.

I was surrounded by people that were salaried.

They, they, they valued brand new cars, they valued looking good.

They like the hair gel and their, they like to eat in shredded chicken every day.

So they looked like they were eating shredded chicken every day.

Have you ever seen it?

Yeah.

You sit in a car with someone and.

And they get this bloody ice cream tub out and it's full of shredded chicken.

And that's all they eat all day.

And you're like, why are you eating?

Because they want their big muscles, you know.

Oh, yeah, See, for me, it used to be egg whites.

Yeah, that's it.

When I used to do gladiators that we used to go to the gym and everybody used to have These huge pipe plastic containers full of cooked egg whites.

They stink.

That's it.

They are surrounded by people that valued, that were invested in their pension and their pension was going to save their lives, that the pension was going to save their day.

The topic of conversation at one point, I remember this, I remember my sergeant.

The topic for conversation for weeks and weeks and weeks was how big his telly was and, and what, and what he was doing to his house.

Okay.

And stuff like that.

So that was my environment.

Emma on the other hand, which is quite interesting, Emma was the business owner and we would have these discussions because Emma was like Emma, Emma could kind of see what I couldn't see by being a business owner.

Generating her own, her own income.

Yeah.

Putting money into her pension, building up business buffers and, and stuff like that.

And Emma could see and she kept used to say like, oh, we need some business people to go in and run the public sector.

I'm like, no, no, no, we know what we're doing, we know what we're talking about, you know, we know best, you know.

But anyway, so what started changing my, my environment?

I suppose I started changing my environment when I got more interested in Emma's business.

And then I used to start and I start going to see business people and like Zoe Kahns, who is a social media consultant.

And I was like, I, oh my God, you've got this job and it's working in social.

And I started to see a different, different way of doing stuff.

So that, so you're so from changing the people around you, which is changing your environment, you then started to feel that your behavior was changing.

Yeah, yeah.

And then, you know, obviously I went through a bit of mental ill health, but.

And that forced me, I suppose, to go out and look at different ways and we found Alex Siri and shift to success, who then really changed my environment and then really showed me that there was a completely different way to live.

So hold on then going on the levels.

So we looked at your environment of big tellies and the boxes of chicken.

Okay.

And then we've said, then Emma's come in and shown you a different environment.

Well, it's always, she's always run alongside me and, me and Emma have been together since we were 17.

So she's always, yeah.

Been alongside

by her building a business.

You're looking at a different environment.

Right.

And that environment then showed you that you could behave a different way because you probably weren't even noticing your behavior generally in the police, your institution, because you just were, you're just a star, right?

So you start changing your behavior and your behavior is.

Or you're seeing something different.

It's like, what should I do?

See this environment?

What should I do?

Right?

And then you go, okay, I'm gonna do this.

So you go in and you start talking to these people.

And then Alex Siri comes along and he shows you that you can have.

What do you need to have the skills and capabilities to do something different in this different environment with different behavior.

Yes, he came along and he showed us that he unlocked all these skills that we have and showed us.

He believed in those skills that we had, but also challenged our beliefs.

He challenged the police pension.

You know, why are you working for a 30 year pension which you're probably going to die within a couple of years and not actually access.

And he showed us that actually you could take that £400amonth that you're putting into your pension and build a business, you know, and reduce, reduce the amount of time that you're working in the police by going part time and build a business which will then give you more.

Yeah, suppose it goes to go into the freedom.

So he challenged our beliefs.

He showed us a different way.

He believed in us.

He was so positive.

I've never met like, and this is what I loved about the mentorship and coaching was the positivity.

I was known as, I was known as Eeyore in, in, in my section.

You know, we used to sit around the table drinking tea and eating donuts and it always be like, oh, the government hates us.

Oh, our pensions are ruined.

Oh, we never get a pay rise.

Victim.

Right.

Yeah, yeah.

Eeyore, I was known as eo, you know.

Okay.

And I just love that positivity that Alex brought to the.

So hold on then.

So I'm just going through the levels here for the people who are listening because you want to do an exercise, right?

So we've looked at environment, we've looked at behavior.

You're now working out that you have different skills and Kate, different skills.

Skills and knowledge and so the capability to do something different.

Right.

And then now your values and beliefs.

The government hates us.

We're never going to get all those kind of things.

And deeper are being challenged.

But you have to let that challenge in, remember?

Yeah, you could have brought the things down.

Oh, no, I can't do any of that.

Oh yeah, there's a lot of people that.

A lot of people just close the door to you and, and so, you know, you know, you'll never earn more money than working in your own business.

You'll never, you know, you'll never.

Yeah, you did.

So there you go.

So then you got what's, you know, what's important to me, what do I believe?

What do I value?

Do I. I can start doing things differently.

What can I do and what can't I do?

That's quite.

That's quite a big one.

What can I do and what can't I do?

So that's the level of your values and beliefs at the moment in this exercise.

Then what happened?

There was a driver.

The poor mental health was the driver.

And I realized that I just couldn't carry on doing the same thing, I suppose.

And then that was the driver to respond to the Facebook ad and to make the reach out to Alex.

And then once he got hold of me, it was an online course I run but my desk.

But once him and his mentors, this team of mentors got hold of me, it was like unlocking my brain.

It was like a light to sort of walk towards in a way, because all of a sudden it was like, oh, my God, this is an epiphany.

I suppose this is something different.

This is a different way to live.

Yeah.

And then what happened?

I don't know.

I remember a phone call with my mum.

I was driving home and she was like, I can't.

You've changed so much.

There was a.

There was a real fundamental shift in me and this was just as I was setting up the dog grooming business, help and support group.

And I, I didn't hesitate, I didn't think, I didn't think, what if, what if it failed?

Just did it.

Okay, that's great.

So, so that's good.

So you did that.

So then when you became Pet Passion, Profit, A to Z, Animal Care, whatever the name was that you have then talk to me about your identity at that, at that point.

Well, I struggle with identity.

So, yeah, I think there was a.

There's a bit of a.

There's a bit of a. I felt a bit schizophrenic at time because I was going to the.

I was part time in the police, so I was going to the police and I was turning up as a police officer.

And then on my days off, I was turning up as a business owner, stroke business coach.

And actually this is quite interesting because I got to the point where I was performing a training role where I was teaching probation is how to be young, like police officers.

And I remember the inspector saying to me, you know, we want to keep you on, we want you to go full time when you do your training certificate and stuff like that.

And that's where I thought, I can't do this because I'm lying to them, you know, in a way that I've got no intention of staying in the police.

So I can't say I'm going to, I'm going to commit to that job and I'm going to do the training.

And that was kind of like the, the sort of this is where my identity then I suppose I chose my new identity over, over the old identity.

Okay, and what about where your identity is now?

Again, it's still moving, it's still shifting even today.

Like I'm a wealth builder, you know, that's a change in identities that I want to look at.

That's it.

But the thing is, you see, and all of that makes so much sense and you've followed it through and you've done what you've moved forward to do and you are building a business and you are a wealth builder.

So what I could say to you is, is that any obstacle, whether it's beliefs, which is very likely to be identity based.

Yeah.

You can now challenge it in the same way.

Yeah.

But you'll need to go through that process because the thing is, is that the classic we talk about.

So the easiest one for me to talk about is weight loss.

Right.

Because it's like, I want to lose weight, I'm gonna lose weight.

I can't be like this anymore.

I know I should lose weight.

I know I should lose weight.

I know I must lose weight.

I really want to lose weight.

I really, I'm gonna be, I want to lose weight.

I, you know, I'm too fat, I want to lose weight.

Right.

So you go out and you change your environment, empty the cupboards, buy some new trainers, get a new bike.

Gotta be new trainers if you're gonna get.

Oh yeah, on my list to do part run sign up.

Which of course is completely ridiculous because that's how you can change your environment.

You go.

That's what's going to make me, encourage me.

Of course it helps.

Then you're going to change your behavior.

Go to the gym, go out walking, do whatever you're going to do.

Then you've got to think about, do I have the skills and the capabilities to do this?

Well, I'm going, might need to learn a little bit more about food.

But we're now calories out.

Yeah.

Or, you know, or I learn, need to learn how to walk a bit faster.

Or you Start getting a little bit into the subject, okay, so this is the, this is the next thing.

Then you've got your values and beliefs.

And unfortunately, quite a lot of us have subconscious values and beliefs or subconscious beliefs, limiting beliefs that come up and you go, gosh, in God, in June, I'm going to be two stone lighter than I am now.

And there's a little voice in the back of your head that goes, no, you're not.

No, you're not.

And then once you start thinking about that, so then you've got to bring that out and go, why are you going to tell me that I'm not?

Why are you not?

So you challenge it, you bring it out and you deal with it on the table.

Because the thing is that belief, that limiting belief is going to form the identity that you are an overweight person.

And that's what I, I am not a wealth builder.

I'm a money.

I am a spender.

So we have to get the identity to be aligned, congruent with the rest of everything.

And quite often, and Robert Dilt says this over and over again.

There's actually a fantastic interview with him with a friend of mine on YouTube where he's talking about this.

I honestly would encourage people to watch it again and again and again and again and again is that he says that if you're trying to make changes and nothing's happening or you keep slipping back, you're not looking high enough up the, up the pyramid, you're dealing with a level that's lower down, that's then getting trumped by a negative identity.

But it is only an identity.

But it's like that same thing that you, you know, I am a. I come from a poor family, therefore I'm a poor person.

Or I live in a poor area.

I live in a poor area.

I see this, I see this quite a lot.

I.

When people want, when people are interested in my business program, I ask them to complete a form.

And I've seen it quite a few times in the last few months where it says, I live in a high area of deprivation, so how can I charge more money and stuff like that?

That's really interesting.

And, but the point, the point is this, right?

The point is this.

If you believe that you live in a high area of deprivation, first of all, ask yourself, is it true?

Right?

Secondly, ask yourself, is that really a limit to my business or is it not?

If it is, then it's not the right business for the area.

Exactly.

So don't.

Why, why open a business there if you.

If you.

Exactly.

I mean, I'm not going to go and open a Gucci store in Grimsby.

Do you know what I mean?

Yeah.

It'll get broken into, lads.

Well, but I want to point.

I want to come back to the.

The identity, because I think you'll find this really interesting because I don't want people thinking that I'm standing here on my soapbox preaching, you know, don't buy.

Don't buy stuff.

I am actually very materialistic and I. I now know that.

I know you are, Bill.

Yeah.

Even though you have Skoda.

Well, I. Yeah, envy.

Ouch.

That's what I endless of when I wanted to buy one like Skoda.

Ugh.

But I am still very.

I. I'm still having that internal battle and I think what you.

That phrase, I'm a wealth builder is going to help me change this because I still have that.

Keep that.

There's that side of me of wanting the.

The extension.

Where did you want what?

Where does the materialism come from?

No, I've not found that out yet.

Well, let's think about.

Well, why don't we think about it now?

Why?

You know why you're.

I.

You have just.

You went, I am very materialistic now that the I am statements are identity statements.

When you say I am, that is you putting a label on yourself and then wearing it or not wearing it or not wearing it with pride.

So you've just told me I am.

So that's going to be your belief.

Yeah.

And this is what I'm trying to change.

And, you know, you ought to be materialistic.

No, I want to be a wealth builder.

And I think that.

And I think you have to remove that materialistic need to then become a wealth builder.

No.

Okay.

No.

Link the two.

Okay.

Don't deny something to shut it out.

So how do we link the two?

So for you to be ideal, for you to be materialistic, you need to support that wealth, don't you?

So build the wealth and funnel a little bit off to buy the things that you want.

But I would also look at the identity of I am materialistic.

First of all, you can change the language around it to something different.

I don't know what that is.

And we could work on that.

But also, what is it about materialism that floats your boat?

Is it the dopamine hit?

Yeah.

Being popular.

Look at me, look at me.

Oh, look at.

He's got a new car.

Right.

Okay, so you like.

You want validation?

Showing off?

Yes.

You want.

You want some validation?

You want to Feel better than you are.

And let me ask you this, when you buy something, how's that working out for you?

Is that.

Does that what it does.

Does it work?

Well, it's always that buyer's remorse, isn't it?

And we, and I've talked about this and my kids, my kids broke my heart because I got my new car.

I suppose I do funnel a lot of my materialism, materialistic side through my business so, you know, the business can buy the new phone, the, the AirPods,

the, the great excuse.

Yeah.

But I remember my very first time that I've put a car on finance.

It's not a brand new car, it's a 2020 car and I bought it a few years ago, put it on finance, put it through the business and a few weeks after, it's like, kids were like, oh, this is great.

And I was like, I love it.

Really nice car.

And a few weeks later the kids were like, yeah, it's just a car in it.

And you're like, ouch.

You really, like stabbed me through the heart there.

Well, it's just a car and it gets you from.

Bit like you said about your.

Your car, isn't it?

It does exactly the same job.

No, I know.

I get in my car every day and I love it, I kiss it, I thank it, I speak to it, I adore my car.

Yeah.

Every day I see additional every day that I get into my car and it's still.

I mean, let me give you an example as well, which is quite interesting.

So my daughter's just learning to drive and she is bit like, she's so typical.

She looks at my car and she goes, God, Mum, we need a new car.

Look, it's awful.

And I go, you might say that it's awful, but it was built, it was built in a period which was real quality build.

It's going to run for so long and every single day I drive it, it becomes cheaper to run because the cost price is then extended across the sink.

Then she starts learning to drive and I insure her on the Honda crv.

She gets in the car, God, this car's lovely, isn't is?

I said, it doesn't look much, but it is lovely, isn't it?

And she goes, God, I feel so safe in it.

I said, yeah, so do I.

And the thing is, that purchase for me, unlike yours, where you've gone and signed up to a load of debt and whatever and some.

Yeah, yeah, right.

That car for me, every single day I get in it, I love it even More.

There is a strange thing that happens to me though, that when I start looking at new cars because I realize I'm reckoning I need one more car before I die.

You got a bus?

No.

Don't get a bus pass in Cheltenham till you're 67.

Oh, ouch.

I know, right?

Yeah, I know.

So, but this is, this is the point.

Getting value from things rather than trying to bring value to our lives from buying things.

Go.

Say that again just so I need to rehear that.

Getting value from things rather than getting temporary value or validation from buying things that you then regret later.

Choice.

Yes, everybody has a choice.

But I know, look, like everybody else, it's been a really hard day.

It's really hard.

I've been trying to save up all this money.

Let's go and spunk it on a weekend away, shall we?

We can start again tomorrow, can't we?

But then how are you gonna feel on the Monday morning after that weekend

away when you start looking at your bank account and go, oh, it all went, it's all gone.

You were built.

It's.

I mean, it's like I've, you know, my nephew, he, he does this, he'll save a few quid and then he just go and spend it and then phones me and asks me how he can get a cheaper debt and I'm like, when was the last time you were ever out of debt?

When I was 18.

So what, what does that, what does that dopamine hit that we get from buying something?

Why is that stronger than the, the feeling of, oh, my credit cards statements come in again?

Well, because the, because the dopamine hit is an up, isn't it?

And the feeling of the is over.

But we don't link the other, we don't link them together.

So we don't consider at the time.

I mean, it's a bit like when you talk to young people about a pension.

They're never going to get old.

We're wired that way, really.

And we're also wired to pay attention to danger, naturally.

So of course we want that dopamine hit.

We're constantly like, you know, going, what's happening?

You know, what's around us?

Am I in danger?

Is anything going to happen to me?

So if you've got that chance to go and get that dopamine hit, but I honestly believe that if we get more in touch with ourselves and I'm going to get a bit woo woo, but really start to think about what life is all about and who we are and what do we buy into?

And what do we not buy into?

I mean, again, we were talking before the, before the call, I was listening to this talk and it was so interesting.

And they look at the, you know what we do now to get a buzz?

We scroll social media, we take drugs, we drink alcohol, we have sex, we do whatever, all these different things to get this, make ourselves feel better.

But the, but depression, chronic depression and suicide rates have never been higher.

So you gotta ask is what's the point?

It's not working, is it?

It's just not working, is it?

And that's another saying that, you know, I've taken away from Jason's podcast and Jason Greystone's podcast and stuff.

And he used to like follow the masters, not the masses.

And like, if what the masses, if what the masses are doing aren't what isn't working, then you know how we need to change what we're doing.

Change up.

Exactly.

And again, when you talk about education, I mean, I, One of the things I noticed actually when I was younger as well was that, you know, one with my dad, with him, he taught me a lot, actually, he did teach me a lot, but he taught me how to be skimpy.

And I didn't really want to be skimpy, but I, but I did then decide from him showing me skimpiness, frugality, I then did start being conscious and aware of what I did value and what I didn't value.

So for instance, I've never valued fashion, I've never valued plastic nails and, you know, very expensive haircuts.

I mean, I do find it quite interesting when I talk to clients and they say I have three haircuts year and each one is £750.

Well, because when I come out, I feel like a princess and then I get you how long for?

Blah, blah, blah.

But anyway.

But I, I, I worked out what I valued and what I didn't value.

But for me, the big top of my values is, and this is why the core values exercise, and I've actually been doing mine again today, I've got it in front of me, my core values and finding out what your core values are are absolutely critical.

Because if you don't have anything to do with freedom, safety, security, wealth or any of that category in your top five, the chances are you are not going to be wealthy.

Even if you say I want to be financially free or I want to have enough money so that I don't worry about it in the middle of the night, you know, and it's you know, and it's.

And I would, I would encourage everybody to do that exercise.

Just about.

Yeah, yeah.

And I was, I remember doing a values exercise and I was actually quite shocked at how many values there are, you know, how many I was given that list and it's like, wow, that's.

And this isn't, this isn't exhaust.

No, no.

But I look down mine and it's interesting.

It's my first ones that I picked off this list was balance.

So I don't want to be a billionaire or a trillionaire one.

I just want to live in balance, wealth, freedom, preparedness, individuality, achievement, boldness, safety, security, growth, motivation, health and those.

That's just an independence.

Again, independence is really important as well.

That's another one.

So if you have, let's say at the top of your list, I don't know, spirituality, humour, fun, friendships and creativity, at the top of your list, which has got nothing to do with money, that's fine.

But then look at how you need money to support those values and that's when you can then start respecting money and not throwing it in the corner and putting a coat over it.

But I think the thing is if, if we like want to bring this together.

I think the thing is, is just to decide what you want and to just decide without the how.

Again, like they say in Law of Attraction, decide what you want.

Don't think about the how.

Don't let any little subconscious voices in your head go.

But you can't have that, can you?

Yeah, but you're not the kind of person that does this, are you?

You're.

And you've, you have to step out of the weeds.

So if you could imagine that you're a little person running around in the grass.

I always remember that program with David Bellamy.

Do you remember how he used to go right down, he'd be.

Shrink himself down.

He said, you can't see anything when you've just got all these weeds in front of you.

You've got to elevate yourself up and look at the big picture and look at what, what do I want and where do I.

What do I want to do today?

That's different as well.

And it's always also, people go, oh, but it's so hard.

Everything seems so far in the future.

What am I going to do now?

What am I going to do today?

Am I going to decide that?

I'm going to just look, start off by looking at my bank balance or looking at my money every day for three minutes.

What does that with no purpose whatsoever.

Just start there.

Just start with doing something.

Am I going to today sit for one moment and think about.

I'm going to hold this 10 pound note in my hand and I'm going to think about how I feel and I'm going to write down how I feel and notice what comes up, rather than going, I should do this, I should do that, I've got to do this, I've got to just find out where you are.

First of all, honestly, not, oh, I'm terrible with money and I'm rubbish.

What are you.

You know as well from the my money makeover group, where we've got people in there who would literally put themselves down.

Actually, they're doing really rather well.

It's not until I reflect.

But yeah, it's a bit like it's vision, isn't it?

And we'll wrap it, I suppose we'll start wrapping up.

Oh, is that your vision board decision?

This is what you were saying about.

There's no.

You definitely want that in.

You definitely want that extension, don't you?

Oh, yes, but that extension started off as a two story extension and now Emma has.

And what I've learned has now come down and down and down to a laundry, which might even come down to a conservatory, which might even come down to a canopy, you know.

So Emma's negotiating our way down, um, because of the month, because of the money.

But it's that vision and creating that vision board.

There's no how on there, like you were saying.

I think that's really interesting.

There's no how, there's no how on there.

But that vision board will drive me to find the how, I suppose, and find the, the way for it's.

Look, it's, it's interesting, isn't it?

If you go down the spiritual route.

One of the things I'm doing at the spiritual route at the moment is I'm studying the Kabbalah, which is so interesting, right, because it's one of the most ancient things ever, goes back thousands and thousands and thousands of years.

And it's essentially that, you know, they believe that everything that you're here, you, everything that you are right now, you chose or it was given to you prior to you arriving on this world and all this kind of stuff.

And if you were able to live in trust of the Creator, as they call it, right, the big Creator, and to just be certain that the universe has your back, as it were, and know that everything's going to be okay and stop worrying about things you might Very well.

Find it more natural and ease of ease to you to choose a path that helps you get to where you want to get to.

Because I think for a lot of people, and this has been me included in a way where I go, oh, well, I can't do that because I'm not good enough.

I mean, the plague of I'm not good enough.

And it's like, well, you are good enough.

And actually every moment that you think that you're not good enough, you're gonna be not good enough.

That's believing yourself.

None of this is rocket science.

And I think the thing about this is, is that if you're sitting there listening to this and you want to change, there may or may not be one thing that you hear and you go, oh, that's good.

You just listen to people or listen to different ways of people saying necessarily the same thing, saying or saying the same thing, but in different ways, and just find the bit that picks up for you.

You'll take in the bit that you want to take in.

But what I would also say is one thing that I know a lot of people do, and I was very guilty of it for many years, is literally just keep on buying that next book, listen to that new thing, listen to that.

But focus on actually going deeper rather than just doing new things all the time.

So it's like, you know that you need to change your mindset.

So what do you need to do to change your mindset?

What do you need to do?

Identify your.

Identify identity.

Identify your values and beliefs.

Look at the things around you.

Think about what your skills, talents and capabilities are and think about what's affecting your behavior.

And nine times out of 10, it's going to be top down.

Your identity is affecting your behavior.

And yes, you can change your behavior from the bottom up, but if that identity is up there telling you not to do it, or that you can't identify with being a slim person or a wealth builder or whatever it is, the chances are that identity is going to knock you back when the behavior becomes hard.

So, I mean, I think we should wrap it up on there because there's so much for people to start thinking about.

It is.

But being a wealth builder, the only.

Who would have ever believed that a tiny little acorn would become an oak tree?

Yeah.

And I know that we sort of, you want to go really fast and have built wealth, but unless somebody's going to give it to you or you're going to inherit it, or you know you're going to win the Lottery, which is what people tend to rely on a lot of the time.

You just got to do it piece by piece.

That's it.

Yeah.

I often have this feeling that, oh, it's too late, and I wish I'd started.

But reflecting on this conversation, like, in the last five years, we've done more than we've done in 40 years.

Exactly.

And look at the stock market over the last 10 years, it's literally grown massively.

People who planted that seed 10 years ago are really reaping the benefits now.

That isn't to say, oh, you know, I should have done it 10 years ago.

You can do that if you want, but just plant a seed.

Now we actually have grown an acorn and we have you.

Oh, a real proper acorn.

Yeah.

Emma and the boys found a couple of acorns many years ago that were sprouting and they planted them into pots and we moved the house with them and grew them into little trees, and then we went and planted them down in our local park.

And we went and saw it the other day.

We're on a dog walk and we went and saw it, and it's a big tree.

Amazing.

Yeah.

That's so much fun.

Yeah,

that's lovely.

And, you know, I have a plant on my windowsill in the kitchen.

And, you know, my mother died in 2005, so nearly, what, 20 years ago now, and it's still alive.

It's not massive because I keep cutting it back, but, you know, it's just

no matter what happens around those.

Those plants and, you know, they have such desire to.

To grow, don't they?

They have a desire to grow, and money has a desire to grow, as long as you put it in the right place, in the right environment, and you give it.

You give it the right light and space and water and love and all that kind of stuff.

But small, you know, small things for those people who think, well, there's not.

There's just not the point, I would just urge you to just look around your house and see how much crap in there you've got.

If you don't have crap and you don't have money wasted on clothes that you've never worn and makeup that you've never tried and jewelry that just sits there and never's been worn, we've all got it.

I have it.

I have it, too.

But if you were to.

If you really do want to build wealth, it doesn't have to be with massive sacrifice, because that sacrifice becomes part of the wealth building.

That's the joy of it.

You choose a holiday, I choose an investment.

You're still working at 65.

And I don't actually need to work, but I'm working because I choose to.

Choice.

Money gives you choice.

I think there's a book.

There's a book title there for you.

The Joy of Wealth Building.

The Joy of Wealth Building.

Yeah.

Maybe the Joy of wealth Building.

Write that one down.

I'll have 10%.

10% of what?

The cost.

It comes great in it.

Yeah.

The joy of wealth building.

Yeah.

It is making those choices as you go through.

It wasn't always joyful.

I'm going to.

I have to say that.

And actually, you know, my.

Why I wish what happened to me hadn't happened to me, Actually.

One more thing.

I was reading, I was thinking about this the other day, that when I got to my reach, my financial goal, I drifted for a very long time.

And I think there is very much this thing of, like, when people are like, okay, everything's okay.

It is harder to get a really strong why.

And going back to the Robert Diltz thing, above identity, there is actually a little top on the pyramid, which they say spirituality or vision or something, and then it's about, we've got.

Rather than just focusing on me, I am, I, I, I, I, I, I, I.

The next step is to turn it into the we and realize that you, me, everybody, we are part of a whole universe.

We're just one small part that was lucky enough to be conceived and born when we were.

Most people aren't, you know, saying, I think it's only about 25% of everything that sort of comes onto this thing.

So we're bloody lucky to be here, really.

But if you stop thinking about me, me, me, me, me, and think about what part you play in the world, that can give you a bigger, a better.

Why?

The value that you bring.

The value that you bring.

Yeah.

Value that you bring.

Well, I hope this has created.

I hope people have been shouting at the podcast a bit.

I hope we've provoked some thoughts and some.

Maybe a little bit of anger in people or maybe a little bit like, shock or hopefully a bit of hope as well.

I think, you know, I think it's very easy, and I. I think this as well, that people say that.

People go, yeah, but it's all right for you, Fanny, because you've already done it.

But I.

What I will always say is that I made the million before I inherited anything from my parents.

And that's actually very important to me.

Yeah.

And my theme for the Year with my clients is professionalism, but also intentional as well.

Being intentional.

So being intentional in how we run our business, but also being intentional on how we run our finances and being intentional about saving money and stuff like that.

And, you know, and we talked about that dopamine hit.

This is interesting.

So my dad would sometimes give us, you know, give kids money.

Right.

Like they did.

So he might have given.

Caring my sister, give my sister a thousand pounds or something and she'd go, I need thousand pounds.

Because she'd overspent or she hadn't been, you know, whatever.

She needed the money for something.

And I saw that as I got my dopamine hit from putting it into an investment because it was an.

But it was almost like I remember working with a client once and, and she was earning really well, but she was a big overspender, her partner just been made redundant, etc.

And they really wanted to buy a house, but she had a big thing about buying lipsticks and, and she got a real dopamine hit from buying lipsticks.

So what we did is we worked out how much a brick costs and we, we changed it in her mind so that instead of buying a lipstick, that would buy a brick, two bricks, whatever it was, which would go towards.

Which would go towards a house.

And actually that worked for her.

And a year later, actually she had a house.

So my question to your listeners is what could you do to flip that mindset round?

So if your thing is the Friday night, going to the curry house and then all of you sitting down in front of whatever television program it is, you know, that might be there, but what could you do that is.

Gives you the same dopamine effect, but actually does what you really want to do, which is build some wealth.

And it's going to be different for different people because you need to look at your.

Your nuances.

I do need to shoot off in a minute, but I'm changing.

You'll be very proud of this because I wanted to go to the pub the other day and goddy should be very proud.

Or should you be?

You should.

Oh, we're both very proud.

Okay, cool.

Because I want to go to the pub because I wanted that, you know, relax, relax with the family, go and sit and have a pint of.

Of lager and glass of wine and stuff.

So I wanted that dopamine hit, but I knew going to the pub was very expensive because they are.

And I knew taking the kids, they were going to demand food.

Yep.

So I made, I made some meatballs.

I Put them in the oven.

Yeah, yeah.

So we had food to come home to and we went to the pub.

So best of both worlds.

Yeah.

And as sure as eggs is eggs, we got in there, sat down the.

Sat down with our drinks, and the first thing Josh said to me was, can I have some food?

I was like, no, we've got food at home.

It's happened because it's.

I knew.

I knew he was going to do it.

So that's a change in behavior.

That's a change.

Yeah.

And, you know, and same thing.

I used to take the kids to the cinema.

I refused to buy cinema popcorn.

I would take plastic boxes of it and went to the cinema with Wren a few weeks ago, and it was pretty much, where's my plastic box of popcorn?

Where is the plastic box?

I heard.

Cause I didn't bring any.

Cause we'd been out for New Year's Eve.

Actually, it was.

We went to the cinema and I hadn't taken any popcorn.

I said, yeah, but we've just got a crush.

She goes, yes, but we always have a plastic box of popcorn.

So you can create any habit you

want that will end up change.

That change would have saved us a hundred pounds.

Yeah.

And that's.

And what.

What did you do with a hundred pounds?

Well, it's still sitting in my.

My.

My savings.

What?

Oh, you would have taken it out of the savings?

Well, yeah, in my.

Yeah, I've got in my little pot, you know, it's still sitting there.

It's waiting to blow.

What about if you were to.

To employ that in that hundred pounds that you would not have had, that you, right now, today, would not exist for you.

Why don't you put that into your investments?

Yeah.

Yeah.

Then you've made it count.

That's it.

It's all.

It's all.

There's no instant magic silver bullet.

It's all changes, isn't it?

It's.

It's.

It's.

It's.

So, for instance, I now have a dopamine effect when I go out for a walk, because I've trained myself to go, oh, my God, this feels fantastic.

I don't.

You know, I now have a dopamine effect every single time I say no to alcohol because I know I never wanted to drink.

Yeah.

But I always wonder.

I had to go for that drink to give me the dopa hit.

Dopamine hit.

To have the drink, because I loved it.

Whereas now I get a dopamine hit for saying, no, it's okay.

I don't drink alcohol.

Going buzz as as usual, it's fantastic to to have you on the podcast and hopefully there'll be more to come in the future.

But thanks for sharing your insights and your thoughts and I hope, you know, I hope people have really raised some questions and then start thinking about how to make some changes.

So thank you once again.

If people want to get a hold of you, how can they do that?

W w w fannysnath.com that's probably the first place to go.

Go and do the money quiz.

Yeah.

Or just search Fanny Google Fanny Snaith.

It'll come up.

There are many of us about.

Thanks a lot and we'll see you soon.

Lovely Bill.

Thank you very much.

Happy New Year everybody and let's hope that this year shows you very wise ways to wealth.

Yeah.

Excellent.

I am a wealth builder.

Take care.

I am a wealth builder.

Lots of love builder.

Take care.

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