Part of the reason you're stuck in feast or famine is because you're always prioritizing paying off debt first, and you're viewing your savings as a bonus. This feels like the "responsible" thing to do, but its counter productive to how cash flow works as an entrepreneur.
Here's why you're caught in the debt cycle: when you throw all your extra money to debt and then have a low cash month, you don't have the savings you need to float you until your next cash injection, which means you're forced to rely on debt, and you end up in more debt than you started.
As a high paid tech worker my main option for saving was to hide money from myself in my 401k, or cut expenses. There was a fixed amount of money coming in every month, so if I didn't save - well that was it.
Most of us think saving is easier with a 9-5, but that couldn't be further from the truth. Saving a ton of money is so much easier as an entrepreneur but you have to re-learn everything you think you know about saving.
By harnessing the power of my inconsistent income (instead of being afraid of it), I've been able to:
➝ Save $100k many times over
➝ Pay off $45k of business debt
➝ Invest in hiring my team
➝ Invest in making sure I have the skills needed to scale
➝ Put on live events and pay out of pocket
In 6 Figure Saver I'll show you how to do the same.
ANGELA SAVED $223,061.00 IN 8 MONTHS WITH INCONSISTENT INCOME AND DEBT
She went from feeling incredibly disorganized and all over the place, behind on her invoicing and bookkeeping, to creating a money system that works. She got organized, got caught up, and implemented the Owners Pay System. Now she's regularly saving 5 figures a month!
DR. KARI SAVED $111,000 IN 12 MONTHS WITH 50K IN DEBT, AND INCONSISTENT CASH FLOW
She put the $100k Blueprint into place by cleaning up her Money Systems, working on her Money Mindset, and embodying Money Leadership. 12 months later to the T, Dr. Kari had over 6 figures of assets using The Blueprint.
Twyla saved $104,181 in 7 months while transitioning to fine jewelery
Twyla joined 6 Figure Saver with the thought that she needed to work more if she wanted to earn more. We worked HARD on her money mindset and ended up selling $100k in 54 days, and having a $20k cash sales day on her birthday while she was out celebrating. By tackling her money mindset around her ability to earn money, she was able to make more AND save more than ever before.
Kirsten Saved $175,893.03 with debt, and while transitioning her business model
Kirsten joined 6FS with a 300k business, all her offers selling on evergreen, and paying herself a minimal owners pay to cover her bills. She set up her Cash Flow Waterfall, started paying herself 5 figures, and learning how to save in lump sums all while transitioning her business to a launch model.
Leslie saved $108,000 and started her retirement fund
Leslie wanted to do 2 things when she started working on her money journey. She wanted to FEEL confident in her money management and feel like she was going to be ok (even with her high cost of living), and she wanted to see real money growing in the bank. After 8 months Leslie has been able to save $108k across her business and her personal finances, she's started contributing to her retirement, all while having her kids in private school, taking regular vacations, and not cutting her quality of life.
Talia saved $102,000 as a therapist
Talia's therapy practice was growing and she wanted to make sure she was being a good steward of her money, and being smart about it. By implementing the cash flow management tools in 6FS, and getting her money mindset coached, Talia was able to save over $100k in less than a year in preparation for buying her dream SoCal home.
AMANDA SAVED $110,581.59 IN JUST 7 MONTHS
Amanda is a Canadian based entrepreneur who joined 6FS with a scaling business, and the scaling expenses to match. She said her biggest barrier to saving was that her expenses were so high, and there wasn't really anything to cut.
In Amandas first week of 6FS she implemented the Cash Flow Waterfall and saved her first $25,000! She's been saving using the methods we teach ever since and hasn't had to cut any expenses to do so.
Jasmine saved $105,500 in 6 months while growing her team
Jasmine joined 6FS skeptical. She thought "I can learn how to save, but $100k is a definitely a stretch goal". Then she went through the curriculum in 1 weekend and started implementing. Within her first 30 days Jasmine had saved $20,500. Within 6 months she had saved $105k, shocking even herself. With her savings she's been able to invest in high level masterminds, go on multiple friends trips, and invest in her dream interior designer and furniture upgrades.
Lisa saved $102,981.22 and then quit her job to be a full time entrepreneur
Lisa joined 6FS as a side hustler, and ended 6FS as a full time entrepreneur. She implemented the money mindset frameworks, cash flow systems, and separated her business finances from her personal finances. 7 days before her 12 month mark in 6FS she hit $100k saved!
Dielle saved $147,800.00 and fully paid off her student debt
Dielle joined 6FS with a scaling business, BIG upcoming expenses for live events she was planning, and the desire to pay off her student debt that had been lingering. By implementing the coaching, and strategies in 6FS Dielle was able to save over $100k and turn around and pay off her student debt in FULL!
Heather saved $175,252.52 while transitioning her business model
Heather joined 6 Figure Saver right before a big business transition. She changed her offer from a 6 week program to a 12 month program, and went from selling on evergreen to doing launches where her program would be closed for months at a time. Using the 6FS strategies Heather has been able to consistently pay herself, pay in full for her big tax bill, and she's successfully transitioned her business without the awkward cash crunches.
Lily saved $138,801.41 while increasing her expenses
Lily is a breadwinner who joined 6 Figure Saver 4 months before some really big expenses in her life. She was about to pay in full for her wedding, and then take the summer off of selling to write her book. She needed to build reserves and fast in order to make it through the summer, using the 6FS strategies she was able to financially cover everything, take time off for her wedding and to finish writing her book, and by cleaning up her money mindset has hit her biggest launches to date.
Tiffany saved $101,078.05 as a money coach!
Tiffany is a money coach who joined 6FS because she wanted to learn how to manage her inconsistent income and build business reserves. She's brilliant at helping her clients, but she knew she would benefit from learning about the business side of finance while also getting money coaching on her ability to earn more. In less than 12 months she's saved over 100k.
Implement our simple 3 account banking system and learn how to create your first savings waterfall that will have you saving every week.
Always Have Cash in the Bank
Your weekly and monthly money checklists with all the actions you need to do to stay saving throughout the year and keep you accountable to the process.
Your Savings Action Plan
It's hard to save when you're not profitable, so we teach you the fastest way to increase your profitability WITHOUT cutting expenses.
Increase your Profitability
No matter where you are in your business journey, this module will give you your next step on how to save your first 1k, or 10k, or 100k so you have contextual coaching based on where you are in the saving process.
Hit your Next Savings Milestone
Learn the Unbothered Energy mindset tool for feeling better about your debt, you spending, your bank balance, your sales, and more.
Feel Better About Money
Learn how to pay off debt the 6 Figure Saver way - with a stacked bank account, because it's easier to pay off debt when you're sitting on a ton of savings.
Save with Debt
Watch as I share my screen and take you behind the scenes on exactly how I manage my money, how I save, how I pay for taxes, how I pay myself, and more.
How Does Gina... Behind the Scenes
You need to earn more before saving
01 / 04
02 / 04
You've accumulated debt you want to pay off
03 / 04
You don't have any expenses to cut
04 / 04
You're early in your business and don't have a ton of money to save
Every Tuesday at 11am PST I coach my clients inside 6 Figure Saver to make sure they're reaching their financial goals and staying accountable.
We're a first-name-basis type of group.
The only finance course for entrepreneurs that walks you step-by-step through how to save $100k in 12 months while paying yourself more. This is THE industry standard financial management course for business and personal finances.
When you've submitted $10k or more of savings in 6FS, Savers unlock access to The Lounge, a members only lounge where you'll unlock access to:
Submit your numbers at any time and get a cash flow review within 48 hours by a 6FS Coach. In your review we'll go over:
Cash Flow Reviews
to Dive In?
Every first Friday of the month we host our Monthly Money Dates. These are 3 hour blocks of time where you can come co-work with us, update your money trackers for the month prior, and make your spending and savings plans for the month to come.
Monthly Money Dates
6 Figure Saver has helped entrepreneurs at all revenue levels collectively save
5 monthly payments of $400
one time payment of $2,000
Tax Savings Challenge
DecEMBER 11th - 16th
Money Making Mindset Challenge
SARA, MFR THERAPIST, SAVED $75,158.20 WITH INCONSISTENT INCOME
When Sara joined 6 Figure Saver she had come off of her highest income year to date, with no savings to show for it. She felt ashamed for earning so much and saving so little. By working on rebalancing her business spending, setting up her owners pay, and learning how to manage her business cash flow - she's saved more than she earned in the entire year last year.
PATTI, MFR THERAPIST, SAVED $15,800.00 WITH INCONSISTENT INCOME
Patti joined 6FS and hit the ground running. After binging the curriculum on day 1, she was able to save her first $3,950 after being in 6FS for just 24 hours! She's consistently implemented our saving systems and in just 2 months has already saved 5 figures!
AMBER, ESTHETICIAN, SAVED $3,198.00 WITH INCONSISTENT INCOME
Amber joined 6FS with lower profit than previous years and feeling like she couldn't save without earning more. By implementing the strategies we teach in the "save your first $1,000" training she's been able to save while working on her increasing her income.
SAVANNAH, OBM, SAVED $55,348.00 WITH INCONSISTENT INCOME
Savannah joined 6FS at the absolute perfect time for her business. She's been scaling her retainer offer and saving as she goes, by implementing our savings systems she's been able to build up her business reserves, and now is considering expanding her business. Having her reserves padded will be critical when it comes time to hire.
When you have a fixed income with a 9-5 the only real way to save is by cutting expenses. But as entrepreneurs we get the luxury of inconsistent income. We're not locked into a bi-weekly paycheck, which means we can save big lump sums. Check out some of our clients stories:
ASHLEY, SYSTEM STRATEGIST, SAVED $22,446 WITH INCONSISTENT INCOME
Ashley joined 6FS as a side hustler with no plan for how to financially afford to quit her job. Within her first coaching call it was clear that she was anxious about saving for taxes, and wasn't paying herself at all from the business because her 9-5 salary was paying all her bills. We worked on having her set up her banking systems to start treating her business like a real business, not a side hustle, and within 45 days she was matching her 9-5 salary with her owners pay. A few months later she submitted her noticed and went full time in the business with her savings stacked.
KRIS, MFR THERAPIST, SAVED $35,643.21 WITH INCONSISTENT INCOME
Kris joined 6FS with her MFR Therapy business while also working a part time job on the side. She wants to work towards quitting her side job and needs to save for her Quit Your Job Fund. Through implementing the banking systems in 6FS she's been able to save over 35k and has a timeline set for quitting her job and going full time into her business.
KIERRA, CMO, SAVED $17,500.00 WITH INCONSISTENT INCOME
Kierra joined 6 Figure Saver after buying a home and locking in higher expenses. She was worried about how she'd be able to pay off debt, and continue paying the bills while also going through a business transition and having inconsistent income. By learning our saving with debt strategy Kierra has been able to save over 17k while also sending lump sums to debt and working towards her debt free plan.
SAM, METALSMITH AND JEWELER, SAVED $5,500 WITH INCONSISTENT INCOME
While listening to your masterclass I realized how everything you were saying was true. I have some cc debt and feel like I just can't get ahead of it. I use my income to pay off the cc before I add to savings, savings is always the last resort, like a treat if I make "enough". After your masterclass I see that I'm going about it all wrong and would love to harness the tools to have a more successful savings strategy.
Alora, business coach, saved $24,950.00 with inconsistent income
Alora is a photographer turned coach who joined 6 Figure Saver with no clue how to save or manager her money. She said "I’m a left handed creative and my brain cannot.". After implementing the Cash Flow Waterfall she's now saving every week, investing in her business, and scaling faster than she planned.
ANDREA, MONEY COACH, SAVED $60,534.28 WITH INCONSISTENT INCOME
Andrea is a money coach and an expert in helping people with 9-5s save and invest, but when it came to her business she wasn't confident in managing an inconsistent cash flow. By implementing our banking system she built up her business reserves and was able to quit her 9-5 to become a full time money coach.
ISABELLA, PODCAST PRODUCER, SAVED $22,165.85 WITH INCONSISTENT INCOME
Isabella joined 6FS because "cash flow feels very start and stop. I hit "nothing is working" valleys.". It's so common as entrepreneurs to go through the feast or famine when it comes to our sales. Which is why building your business savings is so crucial. It helps tide you over while you continue working on business development and marketing.
CHELSYA, MARKETING AGENCY OWNER, SAVED $54,095.18 WITH INCONSISTENT INCOME
Chelsya joined 6FS with a scaling marketing agency, a big cross country move on the horizon, and high payroll costs. In just 4 months of being in 6FS she's saved over 54k, paid for her move, and gotten coached on her money mindset so she could spend guilt free on a Euro vacation this summer.
MARCHELLE, ESTHETICIAN, SAVED $28,582.74 WITH INCONSISTENT INCOME
Marchelle joined 6 Figure Saver during a cash flow squeeze. Her bills were high because of payroll and rent. Even while going through this cash flow squeeze Marchelle has saved over 28k while getting weekly money mindset support and making space to work on her business not just in her business.
TIFFANY, MARKETING CONSULTANT, SAVED $11,042.13 WITH INCONSISTENT INCOME
Tiffany joined 6 Figure Saver because she wanted to be more responsible with her finances and prove to herself that she is capable of saving. After just 4 months she's saved over 5 figures, has funded her tax savings account, and created her banking system that makes saving easy.
SIMI, CAREER COACH, SAVED $37,333.01 WITH INCONSISTENT INCOME
Simi is a UK based career coach who still has a 9-5 she loves in addition to her business. She joined 6FS with the desire to start treating her business more seriously, build her business savings, and stop impulse purchasing coaching programs. By building up her business reserves Simi has been able to invest in a 5 figure rebrand project to help grow her business without having to take on debt.
YVONNE, LOW TOX EXPERT, SAVED $12,500 WITH INCONSISTENT INCOME
Yvonne had a lot of fear surrounding the idea that she'd need to go back to her 9-5 that was adding a ton of pressure to her business. After getting coached on her money mindset, Yvonne was able to release the pressure on her business, have her largest launch to date, save 5 figures, and give herself an owners pay raise.
GENIEVA, PUBLICIST, SAVED $35,500 WITH INCONSISTENT INCOME
As the primary breadwinner, and a newly full time entrepreneur Geneiva had a lot of money anxiety about making sure she could keep the bills paid while also working on investing in her business so it could continue to grow.
KATIE, MONEY COACH, SAVED $37,873.00 WITH INCONSISTENT INCOME
Katie is building her money coaching business while also working full time and getting her PhD. By implementing our business saving system she was able to quickly save multiple 5 figures which will help her cover the cost of her education, while continuing to grow her business.
JOYIA, FINE JEWELER, SAVED $15,245.00
In Joyia's intake form she said "I'm currently not saving at all because I don't think I have enough money to do so. I need to shift my money mindset.". By implementing the savings strategies we teach in 6FS we had the honor of proving her wrong.
Jennifer, weight loss coach, saved $20,973.41 with inconsistent income
Jennifer joined 6FS ready to transform her relationship with money and learn how to save on inconsistent income without going full on restriction mode. As a weight loss coach who teaches people how to lose weight without a diet, she wanted to learn how to save without a budget.
Mary, a perfumer, saved $9,626.46 with inconsistent income
Mary joined 6FS as a perfumer, and part time bar tender. She wanted to learn how to treat her business like a business and save so that she could quit her part time job and go full time in the business. In her onboarding form she said "On such a small income, I'm struggling to find the confidence/power to become a "high earner" while also planning little impulsive buys." - by the end of her 12 months she'd submitted over 9k of savings wins and told us she saved over 11k total!
Selina, sticker designer, saved $52,027.30 with inconsistent income
Selina joined 6FS projecting to make 80k in her business and believed she needed to earn more money before saving. By implementing the 6FS savings systems she's bee consistently saving in her business for over 8 months.
Morgan, CTO, saved $7,661.54 with inconsistent income
Morgan joined 6FS thinking she couldn't save as an entrepreneur with variable income because she lives in one of the highest cost of living states. She thought in order to save without moving she'd just have to earn more. By implementing the savings systems we teach in 6FS she saved $6,220.49 within the first 30 days of joining!
Elizabeth, podcast producer, saved $47,854.63 with inconsistent income
When Elizabeth joined 6FS she was maxed out with clients, but not nearly as profitable as she wanted to be and not saving. After getting coached on her pricing and implementing our savings system Elizabeth has been able to save nearly 50k while saying no to clients who aren't aligned with her future.
Liberty, organizational consultant, saved $18,904.00 with inconsistent income
Liberty joined 6FS during a transition in their business into a brick and mortal model. They used everything they learned in 6FS to save up the funds from their consulting business to fund opening the center! All while navigating being a new parent.
Caitlin, money coach, saved $43,458.00 with inconsistent income
Caitlin joined 6FS as a money coach who knew how to handle her money, but wanted to work on her money mindset around her ability to earn more as an entrepreneur than as an employee.
Antigone, life coach, saved $2,200 with inconsistent income
Antigone joined 6FS ready to level up her money, her mindset, and get herself out of debt. Within just 30 days she'd saved 2.2k just by getting her money organized and asking a few clarifying questions. Now she has 11 months left in the program to hit all her money goals.
to Dive In?
Yes! 6 Figure Saver teaches you a cash flow management and saving system that is universal no matter where you live. As long as you're an entrepreneur with variable income, this program is for you.
No, as entrepreneurs we spend money to make money. Cutting expenses is not a helpful approach to saving if it cuts off our earning potential. Instead we teach you how to spend money on the right things, while reallocating budget from where you're business is leaking money without an ROI.
You don't need a budget to save! The backbone of our saving strategies in 6FS is a banking system with bank rules, not a budget. All of our clients learn how to save without a budget, budgeting can still be a helpful tool for some, but it's not a requirement.
When you join 6FS you'll get access to our curriculum portal, bonuses, weekly calls, and slack support for 12 months from the day you join. You'll then get an opportunity to re-enroll if you'd like to extend your time.
Yes, it is exponentially easier to pay off debt when your bank account is stacked. In 6 Figure Saver we teach a savings first approach that will help you get out of debt reliance forever, and will support you in saving with debt with out "Save with Debt" module.