Money Confident Podcast: Finance Tips, Budgeting, and Cash Flow for Small Business Owners

Jillian Todd | Money Coach for Creative Businesses
  • 5.0 (6)
  • Entrepreneurship
  • Updated Monthly

If you're a small business owner wanting to achieve vision-board-worthy financial goals, you're in the right place. Tune in for finance tips, budgeting advice, and real money chats specific to creatives, artists, and small business owners. Because you're DONE just piecing things together and wishing for the best.

  1. Sep 25 ·  Bonus

    Money Happy Hour: How this Photographer Built a Creative Business That Honors Her Health

    Welcome back to Happy Hour, the bonus series where Jillian sits down with fellow creative entrepreneurs for honest conversations about business, money, creativity, and building a life that actually feels good. In this episode, Jillian is joined by award-winning photographer, creative director, and marketing strategist Annie Caplan. Together, they explore everything from finding your unique creative voice to navigating chronic illness as an entrepreneur, embracing mindset shifts around money, and building a business that's rooted in your values instead of hustle culture. Inside This Episode How Annie transitioned from a successful corporate career into full-time entrepreneurship Why following your curiosity can lead to the career you're truly meant to build The story behind Jillian and Annie's unforgettable Joshua Tree branding and boudoir session How living with endometriosis shaped Annie's business, creative process, and mission Why representation, inclusivity, and the female gaze are central to Annie's photography The importance of advocating for yourself and building supportive community when navigating chronic illness How mindset, boundaries, and pricing helped Annie move beyond scarcity and burnout Why investing in yourself and your business often creates opportunities you can't predict Annie's experience working with Jillian to organize her business finances and find more confidence in her numbers A candid conversation about balancing strategy, intuition, and the energetics of running a creative business One of Jillian's Favorite Takeaways "Sometimes the biggest business growth doesn't come from working harder, it comes from slowing down enough to build a business that's actually aligned with your life." Whether it's choosing clients who respect your value, protecting your energy, or creating systems that support your health, this conversation is a reminder that success doesn't have to come at the expense of your well-being. Connect with Annie Follow Annie on Instagram at @annie.caplan.photography, or learn more about her photography, branding, and coaching services at AnnieCaplanPhotography.com. Join Jillian at Happy Hour IRL If you're an Atlanta-area creative entrepreneur, come join Jillian's monthly Happy Hour meetups! They're a chance to connect with fellow creatives over drinks while talking about business, money, marketing, and all the beautifully messy parts of entrepreneurship. Follow Jillian on Instagram for upcoming Happy Hour dates, and if there's a creative entrepreneur you'd love to hear on a future bonus episode, send her a DM!

  2. Sep 4

    Values-Based Budgeting: Build a Budget That Reflects the Life You Want

    The Money Confident Podcast with Jillian Todd Episode 15: Values-Based Budgeting: Build a Budget That Reflects the Life You Want When you hear the word budget, what comes to mind? Restriction? Guilt? Cutting out your daily latte? In this episode, Jillian challenges everything you've been taught about budgeting and introduces a different approach: values-based budgeting. Instead of obsessing over every dollar, you'll learn how to use your budget as a tool to invest your money, time, energy, and creativity into the people, experiences, and opportunities that matter most to you. Because a budget shouldn't just help you save money—it should help you build a life you're excited to live. Inside This Episode, You'll Learn: Why traditional budgeting advice often doesn't work for creatives and small business owners How to use your values as a filter for financial decisions Why budgeting isn't just about money—it's also about your time, energy, and creativity Jillian's simple framework for deciding when to say "yes" or "no" to a purchase or opportunity How supporting artists, small businesses, and your community can be part of your financial plan Why a more expensive purchase can actually be the right financial decision when it aligns with your values How to stop making money decisions out of guilt and start making them with intention Jillian's Values-Based Budget Framework: ✔️ Does this fit within my financial means? ✔️ Does it support the goals or priorities of this season? ✔️ Does it align with my personal values? ✔️ Is this the best use of my time, energy, and resources right now? When you run your decisions through these questions, budgeting becomes less about restriction and more about creating a life that's aligned with what matters most. Jillian's Favorite Reminder: "Your budget isn't just about where your money goes. It's about where your time, energy, creativity, and resources go, too." Ready to Build a Budget That Actually Works for You? If you've ever felt like traditional budgeting advice just doesn't fit the way you live or work, Jillian would love to help. Whether you're navigating inconsistent income, trying to spend more intentionally, or simply want your finances to reflect your values, you don't have to figure it out alone. Send Jillian a DM on Instagram to chat about creating a values-based budget that supports your creative business, your financial goals, and the life you're building.

  3. Aug 21 ·  Bonus

    Money Happy Hour: How This Photographer Built a Sustainable Creative Career

    The Money Confident Podcast with Jillian Todd Happy Hour with Sabrina of Seriously Sabrina Photography: Building a Sustainable Creative Career Welcome back to Happy Hour, the bonus series where Jillian sits down with fellow creative entrepreneurs for honest conversations about business, money, creativity, and building a life you actually enjoy. In this episode, Jillian chats with her friend and client Sabrina of Seriously Sabrina Photography, a longtime wedding photographer whose career has evolved to include commercial photography, interiors, agricultural photography, and a full-time role at the University of Kentucky. Together, they talk about what it looks like to grow beyond the business you first built, balancing multiple income streams, learning to invest as a self-employed creative, and why sometimes the biggest goal is finally enjoying the life you've created. Inside This Episode How Sabrina built a photography business that's evolved far beyond weddings Why diversifying your income can create more flexibility and stability The realities of balancing self-employment with a full-time creative job Setting clear boundaries when new opportunities come your way How Jillian and Sabrina met through a creative business retreat and how that friendship eventually led to financial coaching What it felt like to start investing and saving for retirement as a self-employed creative Why financial confidence isn't about knowing everything—it's about having someone to help you navigate the next step The joy of missing out (JOMO) and learning to enjoy the business you've already built One of Jillian's Favorite Takeaways "Sometimes success isn't about chasing the next goal. Sometimes it's about realizing you've built a business that finally lets you breathe." After years of working toward bigger milestones, Sabrina shares why she's intentionally embracing a season of stability, trusting the systems she's built and giving herself permission to simply enjoy them. Connect with Sabrina You can follow Sabrina's photography work on Instagram at @SeriouslySabrina, where she shares weddings, commercial photography, portraits, and creative projects. You can also find her agriculture photography work through Craft and Calling, highlighting stories from farms, food, and the agricultural community. Join Jillian at Happy Hour IRL If you're an Atlanta-based creative entrepreneur, come join Jillian's monthly Happy Hour meetups! Grab a drink, meet other creatives, and chat about money, marketing, business, and all the beautifully messy parts of running a creative business. Follow Jillian on Instagram for upcoming Happy Hour dates, and if there's a creative entrepreneur you'd love to hear on a future bonus episode, send her a DM!

  4. Aug 7

    Why Group Coaching Is Better Than 1:1

    The Money Confident Podcast with Jillian Todd Episode 14: Why Group Coaching Is Better Than 1:1  When you think about getting support with your finances, your first instinct might be to look for one-on-one coaching. But what if the fastest path to financial confidence isn't going it alone? In this episode, Jillian shares her hot take on why group coaching can be even more powerful than private coaching when it comes to reaching your biggest financial goals. From learning alongside other creatives to finding accountability, community, and fresh perspectives, she explains why the people sitting next to you might be just as valuable as the coach leading the room. If you've ever wondered whether group coaching is "enough" support, this episode might just change your mind. Inside This Episode, You'll Learn: Why community can accelerate your financial growthHow group coaching creates a safe space to ask the questions you're afraid to askWhy hearing someone else's coaching often leads to your biggest breakthroughsThe surprising advantages of learning from creatives in completely different industriesHow Jillian's first mastermind changed the way she thinks about coachingWhy accountability feels different when you're working toward a goal alongside othersThe Pilates analogy that perfectly explains why group coaching works Why Jillian Loves Group Coaching: ✔️ You don't have to figure everything out by yourself. ✔️ You learn from other creatives' experiences—not just your own. ✔️ You gain fresh ideas from people with different business models and perspectives. ✔️ You build relationships with people who understand what it's like to run a creative business. ✔️ You stay accountable because your community is cheering you on every step of the way. Jillian's Favorite Reminder: "Sometimes you don't need to hear it from your Money Mom—you need to hear it from someone who's walking the path right beside you." Ready to Build Your Financial Goal Alongside Other Creatives? Breadwinner is Jillian's 12-month group coaching program designed to help creative entrepreneurs set—and actually achieve—their biggest financial goals. Whether you want to pay yourself more, build your savings, invest for retirement, or finally feel confident with your money, you'll do it with expert coaching and a community of creatives cheering you on every step of the way. Learn more and apply at:👉 jilliantodd.com/breadwinner Have questions about whether Breadwinner is the right fit? Send Jillian a DM on Instagram—she'd love to chat and help you decide if it's the right next step.

  5. Jul 24 ·  Bonus

    Money Happy Hour: How This Wedding Planner Built a Values Based Business

    The Money Confident Podcast with Jillian Todd Money Happy Hour with with Jeannene of Intentionally Tabled: Building a Values Based Business Welcome to the very first Happy Hour bonus episode! 🍸 In this new series, Jillian sits down with fellow creative entrepreneurs for honest conversations about business, money, creativity, and the beautifully messy journey of building a life you actually love. For the inaugural episode, Jillian is joined by wedding planner and creative community builder Jeannene, founder of Intentionally Tabled. Together, they chat about meeting at a retreat in the French countryside, finding your people as a creative entrepreneur, rebranding your business to better reflect your values, and why community can change everything. It's like grabbing a drink with two creative business owners who can't stop talking shop—in the best way. Inside This Episode, You'll Hear About: How Jillian and Jeannene met while attending a creative retreat in FranceWhy creative community is so important when running a solo businessThe story behind Jeannene's rebrand from Jeannene Lillie Events to Intentionally TabledHow leading with your values can transform your business (and make marketing feel more authentic)Why separating yourself from your business can create healthier boundariesThe role that mentorship and creative friendships play in business growthA behind-the-scenes look at Jillian's wedding planning experience and why shared values mattered more than aestheticsHow honoring clients' privacy and experiences can become part of your brand values One of Jillian's Favorite Moments: "Sometimes the people in your community can see something in you before you can see it yourself." Whether it's a business rebrand, a new offer, or simply taking the next brave step, this conversation is a beautiful reminder that you don't have to build your business alone. Connect with Jeannene: Learn more about Jeannene's wedding planning business, Intentionally Tabled, and her Creative Collective events designed to bring creative entrepreneurs together for intentional connection and community. Want to Join Jillian in Person? If you're an Atlanta-based creative entrepreneur, don't miss Jillian's monthly Happy Hour meetups! Grab a drink, meet other creatives, and chat about money, marketing, business, and everything in between. Follow Jillian on Instagram for upcoming dates and details. Have someone you'd love to hear on a future Happy Hour episode? Send Jillian a DM—she'd love to hear your ideas!

  6. Jul 9

    Retirement, Cash Flow & Big Life Goals: Real Breadwinner Success Stories

    The Money Confident Podcast with Jillian Todd Episode 13: Real Breadwinner Success Stories: Retirement, Cash Flow & Big Life Goals What does financial confidence actually look like? In this episode, Jillian is taking her mentor's advice and bragging a little—in the best way possible. She shares three real client stories from inside Breadwinner to show what happens when creatives stop running their money on vibes and start building a financial plan that supports the life they actually want. Whether you're feeling behind on retirement, stuck on the cash flow rollercoaster, or simply know you could be more strategic with your money, these stories will help you see what's possible. Featured Success Stories: ✔️ Client S: Went from $1,500 invested to $25,000 invested while creating a retirement strategy that also reduced her tax bill ✔️ Client T: Escaped the cash flow rollercoaster and successfully made it through the slow season without using credit cards ✔️ Client J: Went from "running my business on vibes" to creating a strategic financial plan that gave her the confidence to pursue a move and grow her family Jillian's Favorite Reminder: "Sometimes you don't need a rags-to-riches story. You just need to know that someone like you has done the thing you're hoping to do." Thinking About Breadwinner? If you're ready to feel more strategic, more confident, and more powerful with your finances, Breadwinner is currently open for enrollment. Inside, you'll build a financial plan that works for your life, your business, and your brain—with support every step of the way. Apply Now Have a big financial goal but aren't sure how to get there? Every application comes directly to Jillian. You can text with her, ask questions, or schedule a free call to talk through what's going on in your business and how she can help. Got questions? Send Jillian a DM on Instagram @_jilliantodd. She'd love to hear from you.

  7. Jun 16

    The Artist’s Guide to Building Long-Term Wealth

    The Money Confident Podcast with Jillian Todd Episode 12: The Artist’s Guide to Building Long-Term Wealth When most people hear "financial planning," they picture spreadsheets, retirement calculators, and people with traditional 9-to-5 jobs. But what does financial planning look like when you're an artist, creative, or small business owner with inconsistent income? In this episode, Jillian breaks down the six essential areas every creative needs to understand to build a sustainable, profitable business and create long-term financial stability without giving up the work they love. Whether you're currently "checking your bank account and vibing" or you're ready to get more strategic with your money, this episode will help you take the next step. Inside This Episode, You'll Learn: How to manage inconsistent income with a simple cash flow planning systemWhy understanding your pricing is the key to building a profitable businessThe biggest tax mistake creatives make (and how to avoid it)How retirement planning actually works when you're self-employedWhy your money mindset may be impacting your financial results more than you realizeHow to use your financial data to grow your business intentionally and sustainably Jillian's Favorite Reminder: "You don't have to choose between being creative and being financially secure. You can build a life you love using your art, your creativity, and your gifts while also creating stability, peace of mind, and a plan for the future." Want More Support? Breadwinner is Jillian's 12-month group coaching program designed to help creatives build money confidence, pay themselves well, and create a sustainable business that supports the life they want. Learn more at:👉 jilliantoddcoaching.com/breadwinner If this episode resonated with you, send Jillian a DM on Instagram @_jilliantodd and let her know what stood out most.

  8. Mar 2

    Financial Coaching: What It Is, How It Works, and What to Expect

    The Money Confident Podcast with Jillian Todd Episode 10: Financial Coaching: What It Is, How It Works, and What to Expect So you joined Breadwinner (or you’re this close to signing up)… but you’re wondering: what actually happens after you enroll? In this episode, Jillian gives you a peek behind the scenes of what your year inside Breadwinner will really look like. From onboarding to coaching calls to getting the support you need when life throws a money curveball, this episode is your roadmap for what’s ahead. Inside This Episode, You’ll Learn: What happens the moment you join Breadwinner (spoiler: no waiting around) Why Jillian offers a bonus 1:1 call for waitlist signups and what you can use it for How monthly coaching calls + co-working “Get Sh*t Done” sessions help you take action in real time What the on-demand training library includes,  from cash flow workshops to retirement planning guides and more  Why you’ll never feel lost in the group chat (hint: there’s a warm welcome waiting!) How quarterly 1:1 calls give you custom support all year long Here’s What You’ll Get When You Join: ✔️ Bonus 1:1 onboarding call (if you join from the waitlist)✔️ Immediate access to all trainings  ✔️ One-click Google Calendar sync for all Breadwinner calls ✔️ Access to Jillian via Voxer M–F for questions between sessions ✔️ Monthly coaching calls focused on real-world money strategy ✔️ Monthly Get Sh*t Done calls to finally knock out that financial to-do list ✔️ Quarterly private Zoom calls with Jillian to go deep on your goals Jillian’s Favorite Part: “You don’t have to figure everything out in 6 weeks. Inside Breadwinner, you’ve got support all year long — when big wins happen, when hard stuff comes up, or when new questions arise. I’m here for all of it.” Ready to Join Breadwinner? Doors open again soon. Join the waitlist now to lock in your bonus 1:1 call and be first to know when enrollment begins: 👉 jilliantoddcoaching.com/breadwinner Got questions? Slide into Jillian’s DMs on Instagram! She’d love to chat and help you decide if it’s the right fit.

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If you're a small business owner wanting to achieve vision-board-worthy financial goals, you're in the right place. Tune in for finance tips, budgeting advice, and real money chats specific to creatives, artists, and small business owners. Because you're DONE just piecing things together and wishing for the best.

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