July 1, 2024 • 28 mins
Ever felt the sting of a hefty tax bill? I did, and it led me to a revelation that changed how I manage my finances. In this season two opener of the Smart, Wealthy Stylist Podcast, I recount my journey of overcoming a $17,000 tax nightmare with the help of a savvy accountant, highlighting the crucial role of financial planning and regular check-ins. This episode also delves into the delicate dance of balancing work and family life, sharing insights on how I made sure not to miss a single treasured moment with my kids this summer.
Get ready to transform your pricing strategies and money mindset! We unpack how to set and communicate prices that truly reflect your worth as a hairstylist, handle budget-conscious clients with finesse, and build confidence in your pricing. I also introduce a special workbook, available at a discounted rate, designed to make financial planning straightforward and effective. You'll learn to track income and expenses, budget wisely, and plan for retirement, ensuring long-term financial security. This episode is packed with actionable advice to help you achieve joy, time freedom, and wealth freedom in your hairstyling career.
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Episode Transcript
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Speaker 1 (00:02):
Welcome to the Smart, Wealthy Stylist Podcast.
I'm your host, Emily Carden,Over here.
We're dedicated to helpinghairstylists manage their
finances, stay organized,healthy and manage their time
and mental well-being.
We focus on staying healthy inall areas of life and maximizing
productivity.
If you're a hairstylist lookingfor these things, then this is
(00:23):
the podcast for you.
If you're a hairstylist lookingfor these things, then this is
the podcast for you.
Speaker 2 (00:32):
Together, we'll avoid burnout and step into being the
smartest, wealthiest styliststhat we can be.
What is up?
We are back for season two ofSmart, wealthy Stylist.
I have had such a great fewmonths off.
I've been diving deep intoeducation and just really
getting things nailed down in mylife to bring me more joy, to
bring me more time freedom, tobring me more wealth freedom.
(00:54):
There's so many things thathave been going on and I just
can't wait to talk about them.
I'm structuring this season alittle bit different and what
I'm going to do is keep mypodcast and my social media
cohesive, and so this week isfinance week, and so I will be
posting all of my social media,for this week will be stuff that
(01:17):
goes into the exact same thingthat I'm talking about on the
podcast.
So the podcast actually givesyou a little sneak peek of
what's to come for the weekahead, um, but it's still packed
full of valuable information,um, but on my social media is
where I'm really going to divedeep into those posts, create
carousels and reels that aresavable, to give you applicable
(01:37):
steps in able to help you goalong in your journey as a
hairstylist as well.
So let's dive into this week,like I said, it's finance
podcast.
This week I'm going to berecording for YouTube as well as
my social medias, that's,tiktok, instagram, all of those.
So anyway, let's dive into this.
So for today, today's Monday, Ijust wanted to touch a little
(02:04):
bit on what I've been up toduring my break and then we'll
dive right into the daily posts.
So I took some time off of thepodcast and really just
refocused and dialed in on whatI want in my business and what I
want for my life and mypersonal life, and finding that
balance and what I want for mylife and my personal life and
(02:27):
finding that balance.
And you know, it's just soamazing to me that, as a
self-employed hairstylist, wehave the freedom to do just that
.
We can do whatever we want todo, as long as we have a clear
plan and we can set our mind toit.
So one of my biggest things wasmaking sure that I kept up with
time freedom.
Time freedom is the one thingyou can't get back.
You can't make more of itunless you sacrifice something
else, you know.
(02:48):
And so my biggest thing wasmaking sure that I get ample
amount of time off with the kidsthis summer and that you know
we have the freedom to do whatwe need to do as a family.
You know, getting being able tonot miss a single ball game,
being able to take little tripsthis summer, um, you know, we're
still in hardcore debt payoffmode.
(03:09):
We're still trudging alonggetting everything done, you
know.
So, um, I'm trying to createthese experiences without
creating more debt.
Um, so it's been working so far, so good.
So this week I'm working todayand then I am off the whole rest
of the week for 4th of July,and we're going to spend lots of
time with family and I'm justreally excited.
(03:31):
So, anyway, that's all I'vebeen up to and I'm really
excited to be back and I'm ampedup.
I've been, you know, filling upmy cup so I can pour out to you
guys.
And so let's dive in to financeweek.
And I just had, like some acrazy deal.
This has basically been the taxseason from hell.
You know, this is real life andI always want to be very clear
with you guys what's going on.
(03:52):
And, you know, let you learnfrom my failures.
So, during this tax season, youknow, I paid like some of my
quarterlies, but not all of them, and so I figured we'd owe like
six to $8,000.
Um, I went in to myaccountant's office and she was
like uh, yeah, I have you owing$17,000.
(04:13):
I was like what?
I didn't do my quarterlymeetings Like I knew I should
have been.
And, um, I'm profited a wholelot more than I was anticipating
because I've been so good aboutcutting out all of my expenses
and doing all those things.
Right, that doesn't sound likea smart, wealthy stylist thing,
right, because I'm like overhere owing 17 grand.
(04:35):
But actually, you know, Iprofited $30,000 more than I did
last year.
So that's $30,000 more that Ihad to, you know, put towards
our debt payoff.
Like, we've paid off over ahundred thousand dollars in debt
.
So, um, anyway, as I was goingthrough that, uh, I decided to
go find a different accountantbecause she was like okay, well,
you owe 17 grand, I want you tobecome a W2 employee, blah,
(04:57):
blah, blah, blah, blah, goodluck.
I was like, and she's like I'mout till the first of the year.
I was like uh, well, how do Ido that?
You know?
Like, what am I supposed to dohere?
And so, anyway, I found someoneelse, I took him all my stuff,
he went through everything andhe's like, okay, well, I have
you owing six to 8,000.
And if you spend some money, um, you know you could very well
(05:21):
it be wash.
And I'm like, okay, well, Ihave some things I need in the
salon that I'd love to upgrade,you know, he said go ahead and
spend the money.
And I'm like, okay, so I spentI want to say it was like $8,000
.
And, um, we went back in.
I still owed $12,000 after Ihad spent that money.
So I probably would have beenbetter off paying the 17,.
(05:44):
But I did upgrade some thingsthat needed to be done and you
know, it's okay, it's fine.
Um, I did end up having tocharge that on a credit card
because I didn't have $12,000 inmy savings account.
Every time we get any sort ofmoney saved up, we pay off debt
with other kinds of debt.
So I was like, oh my gosh, howis this happening?
(06:05):
Well, so then when they went tosubmit the um, the taxes,
e-filing, it got kicked back andsaid that someone had already
filed a, a um, a tax uh, that atax return under my social
security number.
So then it got flagged to thefraud department and, um, then,
(06:25):
when I was trying to get them tolike, take over my bookkeeping
and all that stuff.
I just want to simplify my life.
You know, like I've been doingmy bookkeeping and all that
stuff for years, but I switchedto QuickBooks.
Um, I started, you know,implementing that and taking
pictures of all my receipts anddoing all those things, and so
when I switched to this newaccountant, I found another
person.
She went back and looked at abunch of stuff that accountant
(06:47):
had left off, like the $8,000thing that he told me to do.
He left it off.
He didn't even put it on there.
So I'm with my third accountantand we are, I, established with
them to do my bookkeeping.
They're keeping me up to date,I have accurate profit and loss
statements.
I know exactly how much Ishould be paying for my quarter
(07:09):
lease, like.
This is why it's so importantto have an accountant who works
for you, who has your bestinterest at hand and who wants
to help you, and so it was justso eyeopening to see, like, what
that looks like and howdifferent it is from anything
else I had ever experienced.
So, that being said, this first,um, little section is about
(07:34):
taxes as a hairstylist and howyou can improve your taxes as a
hairstylist and so, oh, mylittle guy's waking up, he's,
he'll be coming in here soon.
So the very first one is taxtax stuff and, like, here's five
tips to help you with yourtaxes.
The first thing is to keepdetailed records.
(07:54):
So, throughout the year,maintain records through your
income and expenses, and thiswill make tax preparation much
easier.
So utilizing QuickBooks isamazing, and I'm actually going
to become an affiliate forQuickBooks, so that'll be super
amazing, and I'm actually goingto become an affiliate for
QuickBooks, so that'll be superawesome.
Um, it'll give you a discountas a hairstylist, um for
QuickBooks online, um.
The second thing is to separatebusiness and personal finances.
(08:16):
So opening a separate businessbank account and credit card to
simplify tracking umtransactions and identify
business related expenses issuper, super important.
You do not want to mingle yourbusiness expenses with your
personal expenses.
You have to have them separated.
So the number one thing like ifI could tell you anything to
(08:38):
keep track of your cashflow andincome and outgoing, and like,
so you truly know what you'remaking make sure you have a
separate business and personalaccounts.
The third is to understanddeductions.
So you know, take a class,watch some YouTube videos, like
what all can you deduct as ahairstylist?
Make sure that you're educatingyourself on those things so
that you know exactly what youcan and cannot spend and what
(09:02):
are tax deductions.
So it says familiarize yourselfwith tax deductions specific to
hairstylists, such ascontinuing education, salon
supplies and equipment.
The next one is use accountingsoftware like QuickBooks.
It makes it so much easier andI can snap receipts on the go,
just making sure that you havethat at your fingertips.
And it's really nice having anaccurate profit and loss
statement at any time, like ifyou need any sort of loan or
(09:24):
anything like that and you go tothe bank.
They want a profit and lossstatement, since you're
self-employed person.
And the last one is to makeestimated taxes.
So if you expect to owe atleast a thousand dollars in
taxes, after withholding andcredits and everything, you'll
need to make sure that yourquarterly estimate payments are
made throughout the year.
That helps so much at the endof the year, not having to do
(09:45):
like I did and just chunk$12,000, you know onto a credit
card or deplete your savings orwhatever.
Because if you make thosequarterly payments, you know I'm
sending back like 450 bucks aweek to make sure that I can
make my quarterly, so that'sgives you like 12 weeks, you
know, to make sure that you haveeverything set back and it's
not like a big thing at the endof the year.
(10:06):
And then the next section ismoney mindset.
And you know, I really thinkthat the money mindset part of
it is so important too, becauseI went through such a personal
battle with that notunderstanding, like my worth and
understanding that, likeraising your prices and making
(10:28):
sure that you're doing what youneed to do as a business owner,
you're not a complimentaryservice.
You're not, um a charitableservice, like there's no doctor
ever that's going to say, ohwell, you've been with me for 10
years, so I'm only going tocharge you $50, even though I
charge everyone else $200 fortheir office visit today.
(10:49):
No, you're a business owner.
Make sure that you're doingwhat you need to do.
So here's a few things um tohelp you with that.
Five tips on money mindset Um,first of all, knowing your worth
and consider your experience,your experiences, your expertise
, the quality of products youuse, the value you bring to your
(11:09):
clients.
Um, a price increase reflectsyour skills and ensures that you
can continue providingexcellent services.
And you know you charge.
You should charge the kind oflife that you want to live Like.
You don't have to cut your lifedown because it doesn't fit
your budget.
You can raise your prices tolive the life that you want to
live Like.
You don't have to cut your lifedown because it doesn't fit
your budget.
You can raise your prices tolive the life that you want to
live.
(11:29):
Um, communicate effectively, sobeing transparent with clients
about a price increase.
Explain why it's necessary andhighlight the value that they'll
continue to receive.
Um, do not over-explain.
Don't be like oh, you know thecost is so expensive and you
know blah, blah, blah.
Just be like hey, I just wantto let you know this is what
we're doing.
Um, this is what your new priceis going to be.
(11:51):
If this doesn't work for you,um, here's another menu option
that may.
Or you know, every other timewe'll just do your roots.
Or you know, every other timewe'll do a full highlight, or
you know what I'm saying.
So, just communicatingeffectively.
And if it doesn't fit in theirbudget, be prepared for people
to say you know, this does notfit in my budget.
If it doesn't, that's okay.
Refer them to someone who's ina cheaper price range or give
(12:14):
them another service that couldwork for them and just explain
to them.
You know what that would be,what that would look like, and
people really appreciate thatwhen you give them other options
.
Um, you can always offerincentives.
You know, do referral programs,like make it a little bit
easier for them to um receive adiscount or whatever?
Um, I don't typically do that.
(12:36):
I think that if you discount alot of services, that you
attract a different type ofclientele.
But I do offer a referralprogram.
If someone refers someone to me, they get $25 off their next
service.
So it's pretty cut dry.
But with your money mindset, Iwant you to focus on the
benefits of what a priceincrease could do for you.
Making sure that you're notlooking at a price increase
(12:57):
could do for you, making surethat you're not looking at a
price increase negatively andthinking, oh my gosh, no one's
going to pay this.
You need to think people willpay what I'm asking.
This is going to be a goodthing.
This is going to bring mecloser to that debt payoff.
This is going to bring mecloser to having ample
retirement.
This is going to bring mecloser to taking my kids on that
(13:18):
vacation.
Whatever your goals are, justmake sure that you're focusing
on those, not on the negativeside of price increases, because
, yes, people are going to leave, yes, there may be some
kickback, so what?
They don't think about thatwhenever they go into their
boss's office and ask for araise right.
And then the last one is reallybelieving in yourself.
Be confident about thatwhenever they go into their
boss's office and ask for araise, right, um, and then the
(13:39):
last one is really believing inyourself.
Be confident, understand thatyou are worth what you're
charging, you are worth whatyou're asking people to pay and
that you are giving a servicethat is amazing, you know.
Make sure that you have thatconfidence.
And if you don't have thatconfidence and you're not really
believing in yourself, fake ittill you make it.
(13:59):
Keep telling yourself I amworthy, I am worth these prices,
I am giving a good service, Iam going to be successful.
This is going to make an impacton my life.
Focusing on the good helps youovercome those negative feelings
.
The next one is pricing.
So, with pricing, I actually umhave a whole formula.
(14:22):
I created a workbook that helpsyou go through pricing, but the
way that my pricing is brokedown is, first, I have you
reflect on what you like andwhat you don't like about your
business, what your goals are.
If money was no object, whatwould you be doing?
And then, after you focus onthat, you break down, you
untangle your finances.
So you break everything downand make sure that it is all
(14:44):
organized.
You know exactly how muchyou're spending, you know how,
exactly how much you're making,and I actually walk you through
exactly on how to break it downhourly, on what it costs you to
run your business per hour.
Once you know what it costs youto run your business per hour,
you can then charge either anhourly rate or create packages
that cover your hourly cost.
(15:05):
And that way you can know, likeexactly what your profit margin
is.
Like.
I operated a 58% profit margin.
That's amazing.
Like I'm making great money, myexpenses are covered, I am
hitting my goals.
Um, my goal is to bump it up to62% profit margin by the first
of next year.
So just knowing exactly whereyou're at financially, where you
(15:30):
want to go and how you getthere.
So I created a workbook forthat.
It's on all my social medialinks.
You can get it there and, um,it is absolutely a game changer.
It takes all the guest workoutand it's only $57.
But if you're listening to thispodcast and you are going to
buy the workbook from thepodcast, uh, use the code
(15:53):
podcast and it you get it for$27.
So, anyway, um, pricing is whatis going to move you from where
you're at now to where you'regoing.
You have to know what it costsyou to run your business, so
that you know what your profitmargin is, so that you can live
the life that you want to live,or pay off the debt or whatever
it is.
(16:13):
You have to know those thingsand I break it down for you step
by step.
The next one is going to bebudgeting, and you know, I know
it's like such a little dirtyword.
You know like budgeting doesnot sound fun, that does not
sound like a good time, right?
So, with budgeting, itbasically goes hand in hand with
(16:38):
knowing your numbers.
If you're using QuickBooks, itmakes it so much easier because
you can see in real time exactlywhat's going on.
But the first is to trackincome and expenses.
So monitor your income fromhaircuts, styling and product
sales.
Track all business expenseslike rent, booth fees, product
feeds, and this will help youunderstand your profit margin
and identify areas where youneed to save.
(16:59):
Set a budget, so allocate yourfunds and fixed expenses like
rent and utilities, and thenvariable expenses, like
continuing education, personalsavings goals, whatever those
are, and then you'll know likewhat's a hard thing Like, okay,
I have to pay my, my rent or Ican't do my business and then
variable expenses is, like, youknow, education.
I would really like to takethis class but I can't, you know
(17:21):
, get it this month, you can doit next month or, you know, you
just set it to where you caneventually take that class.
You just have to work it intothe budget and then make sure
you factor in taxes.
I hold 30% back of all myincome, my take home, because I
want to make sure that my taxesare covered.
Um, and then once again,separate those personal and
business expenses.
(17:41):
Those are absolutely imperativethat you do that so you can
keep really clean books and ifyou ever get audited, there's no
question about it because youhave everything cut dry, clear,
clear as day.
So, um, and then the next one isgoing.
He had to go to work with theKia.
Yeah, my husband and my dad um,fixed a work, a car for Adam's
(18:08):
work, so daddy drove the Kia towork, didn't he?
So, anyway, hey, this is reallife and I'm just, you know, out
here living the dream, and mylittle man's going to stay home
with me today while I work.
Are you going to be good whileI work?
You are Good, I'm so glad.
Okay, so you were looking forme.
(18:30):
I saw you looking for me, okay,so where were we?
Okay, um, yeah, separate yourpersonal and business accounts,
okay, yeah, yeah, all right.
So the next thing is going to beretirement and savings.
So, as a self-employed person,this is extremely important.
(18:51):
If you don't set back savingsand retirement for yourself, no
one's going to do it for you.
And you know they always say,oh, there's not going to be any
social security left by the timewe retire, right, well, there
may not be.
I don't really know.
So I'm not the person thatdictates that.
Right?
So we have to plan forourselves and make sure that our
(19:15):
butts are covered.
I have been investing in a RothIRA since I was 19 years old.
Time is your best friend, so ifyou're in your forties, that's
okay.
Just start something, anythinglike just get going.
So, um, a few things forinvesting is, once again, making
sure your accounts areseparated, um, and I also love
(19:36):
high yield savings accounts.
Making sure that you have ahigh yield savings account If
you're holding any kind of moneyback.
Um, our goal is to have sixmonths worth of living expenses
in a high yield savings account.
Just pretend it's not there.
And if you have money sittingin savings, it might as well be
in a high yield savings account,because you're going to make
money off your money and, likemy Edward Jones high yield
(19:59):
savings account is at 5% rightnow.
Like you can't beat that, I'mmaking 5% off my money just
sitting there.
So if you have any type ofmoney just sitting around, put
it in a high yield savingsaccount and at least let it pay
you something.
Second, is open a solo 401k.
Um, this is a retirementaccount that allows
self-employed individuals tocontribute a significant a
(20:21):
significant portion of theirincome towards retirement and
enjoy tax benefits.
Invest consistently.
So even small amounts investedregularly can grow significantly
over time thanks to compoundinterest, and that's why I said
time is your best friend, somaking sure that you are giving
it as much time as possible isvery important, even if you're
(20:44):
just doing 50 bucks a month, ahundred bucks a month.
I do $300 a month.
Eventually, once we're donewith our debt payoff stuff, I
can contribute the full amountand max out my IRA every year.
Um, and then consider a Roth IRA.
That's my favorite.
That's what I've been investingin since I was 19 and I got 17%
return this year.
So a Roth IRA is a great option.
(21:11):
And having a um, a uh account,not an accountant I guess he's
my financial advisor.
I go through Kellen Ryan atEdward Jones here in Joplin.
He has been amazing.
The guy I had before him.
I mean, my accounts did nothing, but even though I'm a small
account, he still treats me asif I have a million dollars with
him.
So I greatly appreciate thatand he's really awesome.
So finding a financial advisorwho wants to work for you and
(21:32):
with you to help you reach yourgoals is absolutely imperative.
But you know there was a timewhere we had some medical
expenses come up and you know Ineeded to pull some of that
money out and he helped me dothat and was totally
understanding like he gets it,you know.
So having someone work for youis an amazing tool also.
Um, and then building anemergency fund.
(21:54):
Like I said earlier, a thousanddollars is zero for us in our
emergency fund, but eventually Iwould absolutely love to have
six months worth of livingexpenses in that emergency fund.
Um, it's just, you know, thatway you don't have to go back
into debt when you do have anemergency.
So that's really important.
And, um, I think a lot ofpeople overlook that part.
(22:15):
Um, let's see, let me find thenext one.
Um, so the last day is I haveon there it says don't settle so
if you feel like you're in anenvironment that you can't grow.
So if you're in a toxic salonor toxic salon culture, if
you're surrounded by people whodo not believe in you or believe
(22:36):
in your dream or whatever.
It is making sure that youdon't settle into that spot and
just say well, you know, I can'traise my prices because no one
supports me.
Well, here we go.
You need to know your worth,recognize your skills, your
experience, the value you bringto your clients.
Confidence in your expertiseempowers you to set fair prices.
Number two invest in yourself.
(22:59):
Continuously develop yourskills through courses and
workshops, um, taking classes.
This allows you to offerpremium services and command
higher prices, as well asanytime I take a class, I'm
pouring into myself so I canpour out to others.
Anytime I've ever taken a class, I come back like fired up,
ready to roll, and it gives youthe confidence to push those
(23:22):
boundaries and to push past yourfear and really invest in
yourself and take yourselfseriously.
And, you know, hit those goals.
So, um, and then curate yourclientele.
Focus on attracting clienteleswho appreciate your work and are
willing to pay your worth.
This can involve offeringconsultations specializing in
certain services.
My niche is hair restoration.
(23:44):
So most of my clientele arehair extension clients to pay,
clients that have lost theirhair due to medical stuff,
genetic stuff, whatever it is.
I specialize in giving themhair extensions.
I do invisible bead extensions.
It's super healthy method of ahand hand sewn weft.
Um, that I hand tie into thehair.
(24:05):
I do microwaves too, but thatthat's that's in the details.
Um, and then I also do the glueon toupees for men, because who
says men can't have hair right?
So those are what I love to do.
I love restoring people'sconfidence through
semi-permanent hair restoration.
That's my niche.
That's who I speak to in mysocial media.
That's my target market, mytarget clientele.
(24:28):
Like really curating everythingyou do in your business to that
focused person.
You need to figure out who yourtarget client is and everything
that you create on your socialmedia or in your business you
need to be speaking directly tothat person and then they will
come Um, so and then marketyourself effectively, showcasing
(24:51):
your talent and expertisethrough social media, networking
, collaborating with otherprofessionals.
Strong marketing build yourreputation and attracts clients
who value your services.
So you know anytime that youare on social media, making sure
that you're speaking to yourtarget market.
And then you know I really loveum taking on models every once
in a while, people who I knowwho are really good on social
(25:12):
media, to just sing my praises.
Right, you're going to expandyour audience, bring the right
people in Um.
It's really, really a coolthing when you see it working.
So, yeah, those are a few tipsfor finance week, just to kind
of help you move from stagnantto getting things flowing.
(25:34):
And something I also love isplanning out my content batch,
creating for social media.
So what I do is on the firstMonday of the month, I get into
everything and I create all mystuff Like this is this is what
I'm doing here.
So I write.
I have a paper I guess thepodcast can't see this.
(25:56):
If you go to my YouTube you cansee what I'm doing, but it's a
little content planner.
You can print them off fromanywhere and I write down like
this is finance week, this issocial media expertise, this is
time freedom, mental health andphysical health.
So, as you go through this,each week is a different
category and I have ideas foreach day for the social media
content.
So then, whenever I go to postmy social media, I'm not fishing
(26:18):
for ideas and trying to thinkof stuff and like, I have my
idea and then I just create mycontent from that.
And when I do the batchcreating, um, I just get into a
quiet spot.
It usually takes me about twohours to do the full month's
worth of social media contentand I just go with it.
So, um, I hope that this episodewas helpful and next week we'll
(26:39):
be going over social media andI'm going to actually conduct an
experiment with my social mediaas well as yours.
You know I've taken all of theseclasses.
I'm enrolled in the digitalprofit Queens with Randa Karaba
right now and, um, there's somany options and, um, specific
ways to kind of tweak whatyou're doing with your social
(27:00):
media to bring that dream clientright to you.
And I'm really excited becauseI'm going to do a social media
to bring that dream client rightto you.
And I'm really excited becauseI'm going to do a social media
experiment, even with my ownsocial media, and I would love
it if you guys joined me.
Um, I'll put that in my storiesand see if you maybe want to
join me on this experiment aswell, to see if we can get our
social media accounts to growand get those dream clients in
(27:21):
our chairs.
So I will talk to you next week.
Feel free to reach out to me onsocial media at smart wealthy
stylist on Instagram, as well assmart wealthy stylist on Tik
TOK.
Um, I am just so excited to beback into this and rocking and
rolling.
So I hope you guys have aawesome day and I will talk to
you soon.
Speaker 1 (27:43):
Thank you for listening in today.
If you have a burning questionor a topic you want me to cover,
leave a review and ask thequestion in the review.
This is the best way to getyour questions answered.
Just remember you are a smart,wealthy stylist and you are
capable of anything you set yourmind to.
I'll catch you later, don't bea stranger.
Welcome to the Smart, Wealthy Stylist Podcast.
I'm your host, Emily Carden,Over here.
We're dedicated to helpinghairstylists manage their
finances, stay organized,healthy and manage their time
and mental well-being.
We focus on staying healthy inall areas of life and maximizing
productivity.
If you're a hairstylist lookingfor these things, then this is
(00:23):
the podcast for you.
If you're a hairstylist lookingfor these things, then this is
the podcast for you.
Speaker 2 (00:32):
Together, we'll avoid burnout and step into being the
smartest, wealthiest styliststhat we can be.
What is up?
We are back for season two ofSmart, wealthy Stylist.
I have had such a great fewmonths off.
I've been diving deep intoeducation and just really
getting things nailed down in mylife to bring me more joy, to
bring me more time freedom, tobring me more wealth freedom.
(00:54):
There's so many things thathave been going on and I just
can't wait to talk about them.
I'm structuring this season alittle bit different and what
I'm going to do is keep mypodcast and my social media
cohesive, and so this week isfinance week, and so I will be
posting all of my social media,for this week will be stuff that
(01:17):
goes into the exact same thingthat I'm talking about on the
podcast.
So the podcast actually givesyou a little sneak peek of
what's to come for the weekahead, um, but it's still packed
full of valuable information,um, but on my social media is
where I'm really going to divedeep into those posts, create
carousels and reels that aresavable, to give you applicable
(01:37):
steps in able to help you goalong in your journey as a
hairstylist as well.
So let's dive into this week,like I said, it's finance
podcast.
This week I'm going to berecording for YouTube as well as
my social medias, that's,tiktok, instagram, all of those.
So anyway, let's dive into this.
So for today, today's Monday, Ijust wanted to touch a little
(02:04):
bit on what I've been up toduring my break and then we'll
dive right into the daily posts.
So I took some time off of thepodcast and really just
refocused and dialed in on whatI want in my business and what I
want for my life and mypersonal life, and finding that
balance and what I want for mylife and my personal life and
(02:27):
finding that balance.
And you know, it's just soamazing to me that, as a
self-employed hairstylist, wehave the freedom to do just that
.
We can do whatever we want todo, as long as we have a clear
plan and we can set our mind toit.
So one of my biggest things wasmaking sure that I kept up with
time freedom.
Time freedom is the one thingyou can't get back.
You can't make more of itunless you sacrifice something
else, you know.
(02:48):
And so my biggest thing wasmaking sure that I get ample
amount of time off with the kidsthis summer and that you know
we have the freedom to do whatwe need to do as a family.
You know, getting being able tonot miss a single ball game,
being able to take little tripsthis summer, um, you know, we're
still in hardcore debt payoffmode.
(03:09):
We're still trudging alonggetting everything done, you
know.
So, um, I'm trying to createthese experiences without
creating more debt.
Um, so it's been working so far, so good.
So this week I'm working todayand then I am off the whole rest
of the week for 4th of July,and we're going to spend lots of
time with family and I'm justreally excited.
(03:31):
So, anyway, that's all I'vebeen up to and I'm really
excited to be back and I'm ampedup.
I've been, you know, filling upmy cup so I can pour out to you
guys.
And so let's dive in to financeweek.
And I just had, like some acrazy deal.
This has basically been the taxseason from hell.
You know, this is real life andI always want to be very clear
with you guys what's going on.
(03:52):
And, you know, let you learnfrom my failures.
So, during this tax season, youknow, I paid like some of my
quarterlies, but not all of them, and so I figured we'd owe like
six to $8,000.
Um, I went in to myaccountant's office and she was
like uh, yeah, I have you owing$17,000.
(04:13):
I was like what?
I didn't do my quarterlymeetings Like I knew I should
have been.
And, um, I'm profited a wholelot more than I was anticipating
because I've been so good aboutcutting out all of my expenses
and doing all those things.
Right, that doesn't sound likea smart, wealthy stylist thing,
right, because I'm like overhere owing 17 grand.
(04:35):
But actually, you know, Iprofited $30,000 more than I did
last year.
So that's $30,000 more that Ihad to, you know, put towards
our debt payoff.
Like, we've paid off over ahundred thousand dollars in debt
.
So, um, anyway, as I was goingthrough that, uh, I decided to
go find a different accountantbecause she was like okay, well,
you owe 17 grand, I want you tobecome a W2 employee, blah,
(04:57):
blah, blah, blah, blah, goodluck.
I was like, and she's like I'mout till the first of the year.
I was like uh, well, how do Ido that?
You know?
Like, what am I supposed to dohere?
And so, anyway, I found someoneelse, I took him all my stuff,
he went through everything andhe's like, okay, well, I have
you owing six to 8,000.
And if you spend some money, um, you know you could very well
(05:21):
it be wash.
And I'm like, okay, well, Ihave some things I need in the
salon that I'd love to upgrade,you know, he said go ahead and
spend the money.
And I'm like, okay, so I spentI want to say it was like $8,000
.
And, um, we went back in.
I still owed $12,000 after Ihad spent that money.
So I probably would have beenbetter off paying the 17,.
(05:44):
But I did upgrade some thingsthat needed to be done and you
know, it's okay, it's fine.
Um, I did end up having tocharge that on a credit card
because I didn't have $12,000 inmy savings account.
Every time we get any sort ofmoney saved up, we pay off debt
with other kinds of debt.
So I was like, oh my gosh, howis this happening?
(06:05):
Well, so then when they went tosubmit the um, the taxes,
e-filing, it got kicked back andsaid that someone had already
filed a, a um, a tax uh, that atax return under my social
security number.
So then it got flagged to thefraud department and, um, then,
(06:25):
when I was trying to get them tolike, take over my bookkeeping
and all that stuff.
I just want to simplify my life.
You know, like I've been doingmy bookkeeping and all that
stuff for years, but I switchedto QuickBooks.
Um, I started, you know,implementing that and taking
pictures of all my receipts anddoing all those things, and so
when I switched to this newaccountant, I found another
person.
She went back and looked at abunch of stuff that accountant
(06:47):
had left off, like the $8,000thing that he told me to do.
He left it off.
He didn't even put it on there.
So I'm with my third accountantand we are, I, established with
them to do my bookkeeping.
They're keeping me up to date,I have accurate profit and loss
statements.
I know exactly how much Ishould be paying for my quarter
(07:09):
lease, like.
This is why it's so importantto have an accountant who works
for you, who has your bestinterest at hand and who wants
to help you, and so it was justso eyeopening to see, like, what
that looks like and howdifferent it is from anything
else I had ever experienced.
So, that being said, this first,um, little section is about
(07:34):
taxes as a hairstylist and howyou can improve your taxes as a
hairstylist and so, oh, mylittle guy's waking up, he's,
he'll be coming in here soon.
So the very first one is taxtax stuff and, like, here's five
tips to help you with yourtaxes.
The first thing is to keepdetailed records.
(07:54):
So, throughout the year,maintain records through your
income and expenses, and thiswill make tax preparation much
easier.
So utilizing QuickBooks isamazing, and I'm actually going
to become an affiliate forQuickBooks, so that'll be super
amazing, and I'm actually goingto become an affiliate for
QuickBooks, so that'll be superawesome.
Um, it'll give you a discountas a hairstylist, um for
QuickBooks online, um.
The second thing is to separatebusiness and personal finances.
(08:16):
So opening a separate businessbank account and credit card to
simplify tracking umtransactions and identify
business related expenses issuper, super important.
You do not want to mingle yourbusiness expenses with your
personal expenses.
You have to have them separated.
So the number one thing like ifI could tell you anything to
(08:38):
keep track of your cashflow andincome and outgoing, and like,
so you truly know what you'remaking make sure you have a
separate business and personalaccounts.
The third is to understanddeductions.
So you know, take a class,watch some YouTube videos, like
what all can you deduct as ahairstylist?
Make sure that you're educatingyourself on those things so
that you know exactly what youcan and cannot spend and what
(09:02):
are tax deductions.
So it says familiarize yourselfwith tax deductions specific to
hairstylists, such ascontinuing education, salon
supplies and equipment.
The next one is use accountingsoftware like QuickBooks.
It makes it so much easier andI can snap receipts on the go,
just making sure that you havethat at your fingertips.
And it's really nice having anaccurate profit and loss
statement at any time, like ifyou need any sort of loan or
(09:24):
anything like that and you go tothe bank.
They want a profit and lossstatement, since you're
self-employed person.
And the last one is to makeestimated taxes.
So if you expect to owe atleast a thousand dollars in
taxes, after withholding andcredits and everything, you'll
need to make sure that yourquarterly estimate payments are
made throughout the year.
That helps so much at the endof the year, not having to do
(09:45):
like I did and just chunk$12,000, you know onto a credit
card or deplete your savings orwhatever.
Because if you make thosequarterly payments, you know I'm
sending back like 450 bucks aweek to make sure that I can
make my quarterly, so that'sgives you like 12 weeks, you
know, to make sure that you haveeverything set back and it's
not like a big thing at the endof the year.
(10:06):
And then the next section ismoney mindset.
And you know, I really thinkthat the money mindset part of
it is so important too, becauseI went through such a personal
battle with that notunderstanding, like my worth and
understanding that, likeraising your prices and making
(10:28):
sure that you're doing what youneed to do as a business owner,
you're not a complimentaryservice.
You're not, um a charitableservice, like there's no doctor
ever that's going to say, ohwell, you've been with me for 10
years, so I'm only going tocharge you $50, even though I
charge everyone else $200 fortheir office visit today.
(10:49):
No, you're a business owner.
Make sure that you're doingwhat you need to do.
So here's a few things um tohelp you with that.
Five tips on money mindset Um,first of all, knowing your worth
and consider your experience,your experiences, your expertise
, the quality of products youuse, the value you bring to your
(11:09):
clients.
Um, a price increase reflectsyour skills and ensures that you
can continue providingexcellent services.
And you know you charge.
You should charge the kind oflife that you want to live Like.
You don't have to cut your lifedown because it doesn't fit
your budget.
You can raise your prices tolive the life that you want to
live Like.
You don't have to cut your lifedown because it doesn't fit
your budget.
You can raise your prices tolive the life that you want to
live.
(11:29):
Um, communicate effectively, sobeing transparent with clients
about a price increase.
Explain why it's necessary andhighlight the value that they'll
continue to receive.
Um, do not over-explain.
Don't be like oh, you know thecost is so expensive and you
know blah, blah, blah.
Just be like hey, I just wantto let you know this is what
we're doing.
Um, this is what your new priceis going to be.
(11:51):
If this doesn't work for you,um, here's another menu option
that may.
Or you know, every other timewe'll just do your roots.
Or you know, every other timewe'll do a full highlight, or
you know what I'm saying.
So, just communicatingeffectively.
And if it doesn't fit in theirbudget, be prepared for people
to say you know, this does notfit in my budget.
If it doesn't, that's okay.
Refer them to someone who's ina cheaper price range or give
(12:14):
them another service that couldwork for them and just explain
to them.
You know what that would be,what that would look like, and
people really appreciate thatwhen you give them other options
.
Um, you can always offerincentives.
You know, do referral programs,like make it a little bit
easier for them to um receive adiscount or whatever?
Um, I don't typically do that.
(12:36):
I think that if you discount alot of services, that you
attract a different type ofclientele.
But I do offer a referralprogram.
If someone refers someone to me, they get $25 off their next
service.
So it's pretty cut dry.
But with your money mindset, Iwant you to focus on the
benefits of what a priceincrease could do for you.
Making sure that you're notlooking at a price increase
(12:57):
could do for you, making surethat you're not looking at a
price increase negatively andthinking, oh my gosh, no one's
going to pay this.
You need to think people willpay what I'm asking.
This is going to be a goodthing.
This is going to bring mecloser to that debt payoff.
This is going to bring mecloser to having ample
retirement.
This is going to bring mecloser to taking my kids on that
(13:18):
vacation.
Whatever your goals are, justmake sure that you're focusing
on those, not on the negativeside of price increases, because
, yes, people are going to leave, yes, there may be some
kickback, so what?
They don't think about thatwhenever they go into their
boss's office and ask for araise right.
And then the last one is reallybelieving in yourself.
Be confident about thatwhenever they go into their
boss's office and ask for araise, right, um, and then the
(13:39):
last one is really believing inyourself.
Be confident, understand thatyou are worth what you're
charging, you are worth whatyou're asking people to pay and
that you are giving a servicethat is amazing, you know.
Make sure that you have thatconfidence.
And if you don't have thatconfidence and you're not really
believing in yourself, fake ittill you make it.
(13:59):
Keep telling yourself I amworthy, I am worth these prices,
I am giving a good service, Iam going to be successful.
This is going to make an impacton my life.
Focusing on the good helps youovercome those negative feelings
.
The next one is pricing.
So, with pricing, I actually umhave a whole formula.
(14:22):
I created a workbook that helpsyou go through pricing, but the
way that my pricing is brokedown is, first, I have you
reflect on what you like andwhat you don't like about your
business, what your goals are.
If money was no object, whatwould you be doing?
And then, after you focus onthat, you break down, you
untangle your finances.
So you break everything downand make sure that it is all
(14:44):
organized.
You know exactly how muchyou're spending, you know how,
exactly how much you're making,and I actually walk you through
exactly on how to break it downhourly, on what it costs you to
run your business per hour.
Once you know what it costs youto run your business per hour,
you can then charge either anhourly rate or create packages
that cover your hourly cost.
(15:05):
And that way you can know, likeexactly what your profit margin
is.
Like.
I operated a 58% profit margin.
That's amazing.
Like I'm making great money, myexpenses are covered, I am
hitting my goals.
Um, my goal is to bump it up to62% profit margin by the first
of next year.
So just knowing exactly whereyou're at financially, where you
(15:30):
want to go and how you getthere.
So I created a workbook forthat.
It's on all my social medialinks.
You can get it there and, um,it is absolutely a game changer.
It takes all the guest workoutand it's only $57.
But if you're listening to thispodcast and you are going to
buy the workbook from thepodcast, uh, use the code
(15:53):
podcast and it you get it for$27.
So, anyway, um, pricing is whatis going to move you from where
you're at now to where you'regoing.
You have to know what it costsyou to run your business, so
that you know what your profitmargin is, so that you can live
the life that you want to live,or pay off the debt or whatever
it is.
(16:13):
You have to know those thingsand I break it down for you step
by step.
The next one is going to bebudgeting, and you know, I know
it's like such a little dirtyword.
You know like budgeting doesnot sound fun, that does not
sound like a good time, right?
So, with budgeting, itbasically goes hand in hand with
(16:38):
knowing your numbers.
If you're using QuickBooks, itmakes it so much easier because
you can see in real time exactlywhat's going on.
But the first is to trackincome and expenses.
So monitor your income fromhaircuts, styling and product
sales.
Track all business expenseslike rent, booth fees, product
feeds, and this will help youunderstand your profit margin
and identify areas where youneed to save.
(16:59):
Set a budget, so allocate yourfunds and fixed expenses like
rent and utilities, and thenvariable expenses, like
continuing education, personalsavings goals, whatever those
are, and then you'll know likewhat's a hard thing Like, okay,
I have to pay my, my rent or Ican't do my business and then
variable expenses is, like, youknow, education.
I would really like to takethis class but I can't, you know
(17:21):
, get it this month, you can doit next month or, you know, you
just set it to where you caneventually take that class.
You just have to work it intothe budget and then make sure
you factor in taxes.
I hold 30% back of all myincome, my take home, because I
want to make sure that my taxesare covered.
Um, and then once again,separate those personal and
business expenses.
(17:41):
Those are absolutely imperativethat you do that so you can
keep really clean books and ifyou ever get audited, there's no
question about it because youhave everything cut dry, clear,
clear as day.
So, um, and then the next one isgoing.
He had to go to work with theKia.
Yeah, my husband and my dad um,fixed a work, a car for Adam's
(18:08):
work, so daddy drove the Kia towork, didn't he?
So, anyway, hey, this is reallife and I'm just, you know, out
here living the dream, and mylittle man's going to stay home
with me today while I work.
Are you going to be good whileI work?
You are Good, I'm so glad.
Okay, so you were looking forme.
(18:30):
I saw you looking for me, okay,so where were we?
Okay, um, yeah, separate yourpersonal and business accounts,
okay, yeah, yeah, all right.
So the next thing is going to beretirement and savings.
So, as a self-employed person,this is extremely important.
(18:51):
If you don't set back savingsand retirement for yourself, no
one's going to do it for you.
And you know they always say,oh, there's not going to be any
social security left by the timewe retire, right, well, there
may not be.
I don't really know.
So I'm not the person thatdictates that.
Right?
So we have to plan forourselves and make sure that our
(19:15):
butts are covered.
I have been investing in a RothIRA since I was 19 years old.
Time is your best friend, so ifyou're in your forties, that's
okay.
Just start something, anythinglike just get going.
So, um, a few things forinvesting is, once again, making
sure your accounts areseparated, um, and I also love
(19:36):
high yield savings accounts.
Making sure that you have ahigh yield savings account If
you're holding any kind of moneyback.
Um, our goal is to have sixmonths worth of living expenses
in a high yield savings account.
Just pretend it's not there.
And if you have money sittingin savings, it might as well be
in a high yield savings account,because you're going to make
money off your money and, likemy Edward Jones high yield
(19:59):
savings account is at 5% rightnow.
Like you can't beat that, I'mmaking 5% off my money just
sitting there.
So if you have any type ofmoney just sitting around, put
it in a high yield savingsaccount and at least let it pay
you something.
Second, is open a solo 401k.
Um, this is a retirementaccount that allows
self-employed individuals tocontribute a significant a
(20:21):
significant portion of theirincome towards retirement and
enjoy tax benefits.
Invest consistently.
So even small amounts investedregularly can grow significantly
over time thanks to compoundinterest, and that's why I said
time is your best friend, somaking sure that you are giving
it as much time as possible isvery important, even if you're
(20:44):
just doing 50 bucks a month, ahundred bucks a month.
I do $300 a month.
Eventually, once we're donewith our debt payoff stuff, I
can contribute the full amountand max out my IRA every year.
Um, and then consider a Roth IRA.
That's my favorite.
That's what I've been investingin since I was 19 and I got 17%
return this year.
So a Roth IRA is a great option.
(21:11):
And having a um, a uh account,not an accountant I guess he's
my financial advisor.
I go through Kellen Ryan atEdward Jones here in Joplin.
He has been amazing.
The guy I had before him.
I mean, my accounts did nothing, but even though I'm a small
account, he still treats me asif I have a million dollars with
him.
So I greatly appreciate thatand he's really awesome.
So finding a financial advisorwho wants to work for you and
(21:32):
with you to help you reach yourgoals is absolutely imperative.
But you know there was a timewhere we had some medical
expenses come up and you know Ineeded to pull some of that
money out and he helped me dothat and was totally
understanding like he gets it,you know.
So having someone work for youis an amazing tool also.
Um, and then building anemergency fund.
(21:54):
Like I said earlier, a thousanddollars is zero for us in our
emergency fund, but eventually Iwould absolutely love to have
six months worth of livingexpenses in that emergency fund.
Um, it's just, you know, thatway you don't have to go back
into debt when you do have anemergency.
So that's really important.
And, um, I think a lot ofpeople overlook that part.
(22:15):
Um, let's see, let me find thenext one.
Um, so the last day is I haveon there it says don't settle so
if you feel like you're in anenvironment that you can't grow.
So if you're in a toxic salonor toxic salon culture, if
you're surrounded by people whodo not believe in you or believe
(22:36):
in your dream or whatever.
It is making sure that youdon't settle into that spot and
just say well, you know, I can'traise my prices because no one
supports me.
Well, here we go.
You need to know your worth,recognize your skills, your
experience, the value you bringto your clients.
Confidence in your expertiseempowers you to set fair prices.
Number two invest in yourself.
(22:59):
Continuously develop yourskills through courses and
workshops, um, taking classes.
This allows you to offerpremium services and command
higher prices, as well asanytime I take a class, I'm
pouring into myself so I canpour out to others.
Anytime I've ever taken a class, I come back like fired up,
ready to roll, and it gives youthe confidence to push those
(23:22):
boundaries and to push past yourfear and really invest in
yourself and take yourselfseriously.
And, you know, hit those goals.
So, um, and then curate yourclientele.
Focus on attracting clienteleswho appreciate your work and are
willing to pay your worth.
This can involve offeringconsultations specializing in
certain services.
My niche is hair restoration.
(23:44):
So most of my clientele arehair extension clients to pay,
clients that have lost theirhair due to medical stuff,
genetic stuff, whatever it is.
I specialize in giving themhair extensions.
I do invisible bead extensions.
It's super healthy method of ahand hand sewn weft.
Um, that I hand tie into thehair.
(24:05):
I do microwaves too, but thatthat's that's in the details.
Um, and then I also do the glueon toupees for men, because who
says men can't have hair right?
So those are what I love to do.
I love restoring people'sconfidence through
semi-permanent hair restoration.
That's my niche.
That's who I speak to in mysocial media.
That's my target market, mytarget clientele.
(24:28):
Like really curating everythingyou do in your business to that
focused person.
You need to figure out who yourtarget client is and everything
that you create on your socialmedia or in your business you
need to be speaking directly tothat person and then they will
come Um, so and then marketyourself effectively, showcasing
(24:51):
your talent and expertisethrough social media, networking
, collaborating with otherprofessionals.
Strong marketing build yourreputation and attracts clients
who value your services.
So you know anytime that youare on social media, making sure
that you're speaking to yourtarget market.
And then you know I really loveum taking on models every once
in a while, people who I knowwho are really good on social
(25:12):
media, to just sing my praises.
Right, you're going to expandyour audience, bring the right
people in Um.
It's really, really a coolthing when you see it working.
So, yeah, those are a few tipsfor finance week, just to kind
of help you move from stagnantto getting things flowing.
(25:34):
And something I also love isplanning out my content batch,
creating for social media.
So what I do is on the firstMonday of the month, I get into
everything and I create all mystuff Like this is this is what
I'm doing here.
So I write.
I have a paper I guess thepodcast can't see this.
(25:56):
If you go to my YouTube you cansee what I'm doing, but it's a
little content planner.
You can print them off fromanywhere and I write down like
this is finance week, this issocial media expertise, this is
time freedom, mental health andphysical health.
So, as you go through this,each week is a different
category and I have ideas foreach day for the social media
content.
So then, whenever I go to postmy social media, I'm not fishing
(26:18):
for ideas and trying to thinkof stuff and like, I have my
idea and then I just create mycontent from that.
And when I do the batchcreating, um, I just get into a
quiet spot.
It usually takes me about twohours to do the full month's
worth of social media contentand I just go with it.
So, um, I hope that this episodewas helpful and next week we'll
(26:39):
be going over social media andI'm going to actually conduct an
experiment with my social mediaas well as yours.
You know I've taken all of theseclasses.
I'm enrolled in the digitalprofit Queens with Randa Karaba
right now and, um, there's somany options and, um, specific
ways to kind of tweak whatyou're doing with your social
(27:00):
media to bring that dream clientright to you.
And I'm really excited becauseI'm going to do a social media
to bring that dream client rightto you.
And I'm really excited becauseI'm going to do a social media
experiment, even with my ownsocial media, and I would love
it if you guys joined me.
Um, I'll put that in my storiesand see if you maybe want to
join me on this experiment aswell, to see if we can get our
social media accounts to growand get those dream clients in
(27:21):
our chairs.
So I will talk to you next week.
Feel free to reach out to me onsocial media at smart wealthy
stylist on Instagram, as well assmart wealthy stylist on Tik
TOK.
Um, I am just so excited to beback into this and rocking and
rolling.
So I hope you guys have aawesome day and I will talk to
you soon.
Speaker 1 (27:43):
Thank you for listening in today.
If you have a burning questionor a topic you want me to cover,
leave a review and ask thequestion in the review.
This is the best way to getyour questions answered.
Just remember you are a smart,wealthy stylist and you are
capable of anything you set yourmind to.
I'll catch you later, don't bea stranger.
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