Vested Capital
Vested Capital

Episode 33 ยท 4 months ago

(EP33): Michelle Tascoe, Makes $1.2 Million In Three Years With One-On-One Financial Coaching

ABOUT THIS EPISODE

Michelle Tascoe is based in LA and has one of the longest running private one-on-one financial advice coaching practices.

She's now earning over half a million a year, but it wasn't always like this. It's been a long and steady journey to become a seven figure coach. You will hear that story in today's podcast interview.

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Hello, this is Yarrow and welcome to vested Capitol Episode Number Thirty Three, featuring my guest Michelle Tasco, who is a financial coach who works one to one with clients. She's based in L A and has a very long career, in fact so long. I actually met Michelle, well virtually anyway, way back in around two thousand and eight, two thousand and nine, when she took my blog mastermind course, the one point o version. This is the first course I ever created. It was a written course back then, before video courses were common. and Um, she took it and then, I don't know, every two or three years she'd show up on one of my group coaching calls for that program and we talked a little bit about how her coaching business is going, possibly her transitioning, or at least adding to what she offered to maybe do some group programs or some digital courses, something like that. But all that time her one on one coaching business has been growing. So she continued to focus on that to the point today where she's made one point two million dollars in the last three years and is on track now to make half a million dollars plus per year. From her one to one financial advice coaching business. That's impressive because one to one is one to one. That means it's just the coach and the client working together, usually for an hour. So to get the kind of numbers like half a million a year in revenue, you need to well, you think you need to work incredible hours, because you do the math. How many one hour sessions do you have to do to reach that kind of income? But also you have to charge more, and we're gonna hear the entire pricing journey that Michelle has gone on from being a person who charged nothing, did free coaching, to getting her first client who's spending about twenty five dollars a session, then fifty dollars a session, hundreds session and then, many many years later, now charging as much as seven hundred dollars a session. As you can imagine, your client type changes, your your client persona changes to get someone who's paying fifty dollars versus seven hundred dollars for a session. It's a different person. But Michelle, in in uh a typical financial advice fashion, tracks everything and has a wonderful history of how much money she made each year in this fifteen year long coaching career she's had now, so you'll see the progression. I asked her about how she increased her prices, and you know what type of clients she gets today that can justify spending a seven dollars on a coaching session. I also asked her how to break down her discovery call uh formula, basically how she does these free sessions, or not really a session, a free short call just to meet a potential client and then bring them over for the to the point where they're signing up for usually package of maybe four or five, six not called a package. Doesn't call it a package, but that's usually what it takes to get people financially back sorted out with her coaching. So I really love this interview just to hear the long, steady growth, and I really don't mean long. We're talking eight thousand and year one, twelve thousand and year two, many many years before it reached six figures and then in the last few years over half a million dollars a year. So what a progression. and Um I also really appreciate Michelle just breaking down a lot of the basics along the way how she got into coaching how she got free clients, how she gets clients today, what marketing methods work and that whole breakdown of her discovery call process at the end will be super useful for anyone else who is looking to do one on one coaching and needs a process to take people through on those discovery calls you might be doing with your own potential clients. Okay, I'll press play on that interview in a second. Just a reminder, though, if you have not yet subscribed to this podcast, to search for vested capital on any of the podcast players and make sure you hit that subscribe button. It's also on Youtube, so you can go look for my name, Yarrow Y A R O or vested capital, and you'll find the video version of these podcasts published there and you subscribe on Youtube as well. And one little extra plug for today's episode. I've been working on some software behind the scenes and I'm not ready to release it yet. However, it is very much about supporting the coaching community and because of that I want to give anyone who's listening in right now, because this is a very coaching oriented interview. If that's something you're doing or planning on doing, if you're at all interested in being a one on one coach or maybe a small group coach, no matter what topic you cover, head to candid dot I S. candid the word candid C A N D I d dot I s, you'll find an early notification email list. They're just enter your email. You'll go onto my notification list there and as soon as the software is ready and it will be a percent free for you to use, you'll be able to make use of it and hopefully I'll be able to help you with this tool, with your coaching business. Um, and I suspect it will be sometime this year, two thousand and twenty two. Well, I'll be able to send you the link to start using that. In fact, I'm going to be using it myself. I'm going to be the first client. But for now let's learn about how you can run a massive, successful one on one coaching business with Michelle Tasco okay, Michelle, thank you...

...so much for joining me. Uh, I feel like this is an interview that's been very much in waiting. We've wanted to do this for, I don't know, maybe a decade, or at least five years. It feels like I might have asked you five years ago to do this conversation. So I am super excited to finally get to have this interview, in particular because you do something that I think it's actually quite rare. Um, you do a lot of private one on one coaching, and the rare part is how much money you've made from it. As we were just talking about affair, at one point, two million dollars in the last was it two years of coaching or Three Years of coaching? And Three Years of coaching, and and you've hit that half a million dollar a year run rate with with the with the one on one coaching business, which I know if I was to hear that, I'd be like, oh my gosh, she's spending like twelve hours a day doing coaching calls, because that to get that kind of numbers. So I'm sure we're all curious how you can get to that point, um, but before we talk about the coaching business, I'd love to dive into that story. When you reach that point in your your life story. Um, as I always do with this podcast, I want to go back in time. First learn about Michelle before Michelle became Michelle the coach. Uh, let's go back, Um, where were you born and raised, oddly enough, because I'm Filipino, but I was born in a little town called Gamboo, and this is in Nigeria, which is in Africa, so probably Um not expecting that, but that's where my parents met. Okay, I did not know that. And so how much time did you spend there? I was there until I was five years old and they really wanted to send to go to the US because they had family there. And too. It was so funny because I remember being in in school and doing a book report and my Dad's said, well, America. At that time we saw it as the land of green pastures and Elvis and the land of opportunity, and so they did whatever they could to get here. Do you have any memories of your time in Nigeria? Yes, we had pigs and chickens in our front yard. We also had my mom drove a VW Bug, my dad had Um, a station wagon, you know with the Wood paneling on the side, and Um, I had a nanny and sesame street was in French. So that was something different to good memories. Okay, so then you went to the states next. Is that what happened after? Yes, absolutely, Yes. Okay, so was that. I'm guessing. Uh, you know, five years old is probably not a big change to your your life. You you've probably even realized at the time. So, Um, because you were just about to start school. I'm guessing about then. Yeah, kindergarten. So it was about to start kindergarten. Um. But you know, it was wild as we went through New York, Um First, and that was where I first saw snow. So imagine, you know, the kind of weather in Africa and then the snow experience. And then from there, um to Orange County, Los Angeles, Orange County, that area. That's amazing. Okay, so we'll take us forward. So you start growing up in L A. and did you spend the rest of your childhood and teenagers there? Yes, so, uh, we I grew up in the Anaheim which was, you know, next to the happiest place on Earth, and that's where I went to school. Um, and uh, I'll say from high school. I graduated and I got accepted to USC and so that's where I did my Undergrad and Um, just my first introduction to business school, to a bigger city, to what could be possible. Um. So it was really exciting at that time thinking about well, what can I do in the world now that I'm in college, and who will I end up becoming? What did you enter college studying business? Business? M Hm. was there a plan, like did you think I would join another company? Start Your own? No, I I was just really open to, Um, working for someone else. Um. I honestly didn't really have any thoughts. I knew that I wanted to be successful. I knew that from just when I was Um in high school, because I was at straight a students and Um, I was in all the clubs and things like that. Um, so I was really just open to experiencing, you know, what could be possible in a major city. Um, and out of college I ended up being an assistant to the president of guest clothing for some time. Um, a celebrity photographer, celebty inter designer, Um, a gentleman who had fourteen multi family complexes across the country, as well as two hotels and a storage unit in New York and Um, you know, he would fly on jets and it just opened my eyes to uh, I'll say entrepreneurship, because he built his own business from scratch. Um, and just kind of feeling out what it was that I would be interested in. Okay, I'm curious what...

...was your definition of success at that time, because you said, you know, you knew you wanted to be successful. What did you think that was? Yeah, that's a good question. I mean, at that time, I think I was definitely money motivated, Um, and I wanted to be able to, you know, drive the kind of car that I wanted to drive, live in a certain place that I wanted to live, Um, and just have freedom of time and money. Okay, and growing up in L A, Um, obviously there's a certain type of lifestyle that people project and live in L A, obviously. Um. So you you get exposed to a lot of luxury. Um. It's hard, I can imagine, especially around that age, when you're in college and after, not to, you know, want the Nice car, the Nice clothing, the Nice apartment or whatever it might be. Um Did. And in case, in your situation, you were exposed even more than that. You're exposed to private jets, or at least someone who was living a much wealthier lifestyle. Um. Did this lead to any changes in your decision? Like what? What did you see your future at at that time? Yeah, so, Um, I mean thinking, Gosh, going way back and thinking about how I grew up. It was really humble, right. So I had had me down clothes. Um. Um, I think it drove like a Honda Um accord at the time and Um, my parents, you know, were middle class. They were hard working and middle class and Um, he's just so very grateful for them. I think for me, though, I think just that exposure helped me to realize that there was more and there was more possible, and I think that deep within, I just felt within that I was meant for more. And I think transparently, it's very easy to get swept up in a big city and and to be introduced to the wrong people. And so, unfortunately, Um, out of college, enitive with four credit cards and collections, my car was repossessed and Um, what I had thought in my head, uh, I wasn't living out at all. And so I share that because that shifted, uh, my trajectory entirely and although everything, you know, looked great on the resume, Um, I was crumbling inside. Uh, and and that's really where I dove into Personal Development and also found coaching, and I can honestly say that coaching really saved my life because it gave me a different perspective. It helped me to realize, you know, that I'm I think differently, Um, that people think differently, that people are designed differently in terms of their personality types, Um, and I think that on a ground level, we all want to feel special and important in a certain way and by taking the time to look with in you really get to discover yourself through that process, and that's what coaching did for me. Okay. Well, I'd love to talk more about coaching before we do that. How did you get into that kind of debt, like I I mean we all know what a credit card is. Um. I know some people, especially when they're young, they first get a credit card and they kind of don't connect the dots that this is something they have to pay back. It's like, Oh, this is free money. Um. What's your story around that? How? How did how did you for credit cards is a lot. So how did this happen? Yeah, well, Um, I think that it's it's easy to get a credit card first, right, Um, and then it's easy to spend money on the credit card, Um, and it's easy to figure out, okay, I can at least pay the minimum payment. But when you do that, for some time and then you get these other offers of here's another credit card and then someone tells you, Oh, you could just do a balance transferst you're not paying interest. I think one well applies to two to three to four and I think at that time it was sixty dollars of credit card debt. And if I were to go back in time, I think that Um going from not having much too then having access to more because you could leverage credit. I think I fell into that trap, not knowing that that was a trap. And so, Um, it was easy to eat out a lot, and that's a huge culprit for most. It was easy to go shopping a lot, it was easy to do personal care like hair and nails and things like that a lot. It was easy to treat friends out, you know, for things Um. And so I think before you know it, Um, something that was such a tiny snowball really turned into this avalanche of debt right over time. And that's what happened to me, which is, you know, true for a lot of people. And Yeah, you're probably describing a scenario a lot of people. I'm still in right now. For you. What was...

...the catalyst? Was it the car being repossessed. That finally made you go, I need to solve this problem and take it seriously. Or was it something else? Yeah, you know when when all of Um that kind of hit a wall, uh, it really affected me emotionally, and so I remember having to move back home and, Um, I remember just checking out for some time because of the weight. There's actually a lot more to the story. I won't go into that at this time, unless we want to go deeper. But Um, I'll just say that Um, that that introspection, Um, and that, I'll say, place of checking out and just Um decompressing. Um. After a while you realize if no one else is gonna dig me, dig myself out of this hole, like I have to do this. No one else is going to do this for me. and Um, I think at that time that's when I got introduced to personal development and I went to to a fear different Um seminars um and just the idea of Um, learning about yourself instead of learning about other people in school. I think in school we learned about semi different people in History, Um, but there's not necessarily a class where you're learning about, well, how do I function? What is success really to me? Um, what makes me happy, what do I want to do? How do I learn best? Um? And so diving into that Um that, I would say, was the catalyst, and more so by not keeping it in my head but actually journaling it. And I'm actually on journal. I just finished journal number thirty seven, just looking at this one that I just finished last night, and so I'm on journal Number Thirty Eight. Since two thousand and five, I can still remember opening up an empty book and just writing out and brain dumping all of the emotions, all of the things that were tangled in my mind, and then literally writing, I'm just gonna close my eyes, I don't know if this it's gonna work. I'm gonna Count to a hundred and I honestly had the spiritual experience where, Um uh, I just had the spiritual experience of from now moving forward, I'm going to learn to be the person I meant to be in the world. Um. So that's that's actually what happened. A lot of internal work to get to the point where you could start making those practical changes around debt. Um. Do you remember, in terms of person development, courses, workshops, books, whatever you feel you want to mention that had the big impact on you back then? Yeah, absolutely so. Um. At the time I was attending events by Um, hosted by lady by the name of Danny Johnson, and she had a seminar called first stepsistic sess and Um. I went to several of her of those, and then she had a second level called creating a dynasty. Um. From there I learned. I read Um how to win friends and influence people. I learned read Um think and grow rich. I watched the secret. I watched Um what the bleepum. I also read Um, the power of now, Um the alchemist, and I think you're describing my ties. One more right there. Yeah, that. I was in my twenties when this all happened. Yeah, so, yeah, okay, a great, great list. Still a great list of resources there. Um. Okay. So a lot of self work, maybe a spiritual breakthrough, journaling, a lot of study. How does that then become the actual change that gets you out of debt? Yeah, well, I started coaching. I at this book and I recommended to every coach Um out there. Whenever someone asked me how. You know, I started coaching Um and its leadership, coaching the skills, discipline and heart of a Christian coach. And you know, the reason why that book made such a difference for me is because it really helped me understand the difference between coaching and mentoring and counseling, and I caught that if a coach really asked the right questions, because if you're asking the right questions, you're going to get the right answers. So I could really be a great question to ask her. And, Um, I started off as a life coach. To start with, I actually did coaching for free. Um, I connected with five people that I knew and let them know that what I was up to and I did free sessions, and then one of them, Um, my girlfriend from college. Um, funny enough of EVA. She said, you know, you're helping me so much. Can I pay you? And she said, you know, it's enough, and I thought that that was a miracle. I thought that was so amazing because it came...

...out of thin air. I didn't have a product, somebody else's product. I wasn't training time for dollars as far as like working for a company, and it just gave me that glimmer of hope that I'm onto something. I love it. I have to ask them and I know everyone listening with everyone, but some people listening will be like this. So you're in debt and you know, I don't want to say everything was terrible, but it's it sounds like you weren't in the situation where you would have the self confidence, the self belief, to think I can help others. You'd be like, I need to sort myself out. A lot of coaches, I think, or potential coaches, have this is like, how can I coach anyone? I'm still in debt, I haven't got money, I haven't got the things you might expect in a life I can't go out there and charge money to speak to me because I'm not I don't have those things. I'm not an expert, I don't have the knowledge of the experience. Yet it sounds like you are. You are twenty something person in debt who's like, I'm going to become a life coach and help others. There's almost like the sense of how is you know it doesn't make sense. What did you have any kind of self doubt there? Or did or that point you felt confident because of all the person development you've been through. I mean it was years and years of personal development. I'd say it was three years until I started coaching. And during that that time, Um, I started a direct sales business where I made forty dollars inside of six months. and Um, I was going to continue with that business. But then when I read the book that I shared, Um, I mean as a cliche as it sounds, something woke up inside of me and I realized I love people and I love helping people, just my personality type. And let me see if this is something that could work. That's why I didn't charge for it at all, because I was already making money in a different company. Um, and and, but I didn't address my debt yet at that time when I started coaching, something that yeah, something, something occurred where you realize, okay, I want to have a certain level of self integrity, because if I'm going to lead and guide somebody to get their life on track, in whatever category, I want to be in line myself. And so it gave me, I'll say, the courage, Um, it gave me the inspiration, Um, and the accountability to do that for myself. And I actually remember being so scared calling to these different creditors, because by that time it was creditors calling and I actually settled all of my credit card debt for dollars, so it was like thirty eight cents on the dollar, and that was amazing because I was able to pay that off with the other amount of money that I was making with the other business, and then I just didn't look back. It just kept on going from there. Okay, I can imagine, and I'd like to talk about a bit more about recovering from debt. But I imagine, yes, that's great, you only pay thirty cents on the dollar, but you also must absolutely wreck your credit rating doing that. So you're not exactly solving of the problem. You've goten out debt, but you've got this credit rating issue, Um, and we can talk about that. But first, so you're you become a coach and you call it a life coach to begin with. So you did some free coaching and it sounds like people in your social circle you would have said, Hey, I'm here to do coaching or help you. Um, you can ask questions, like you said before. You're comfortable doing that, and the quality of the question is the quality of the coach or, you know, getting the help. And then someone says they want to pay twenty five dollars. So okay, wow, this is potentially a business. How does that? But then become? Okay, I'm gonna tell me when this happens in your timeline. But do you quit your other direct sales business and then say that's it, I'm a coach, I'm gonna try and get clients, or do you sort of juggle them both? Like how does the transition happen? Yeah, I juggled them both. I juggled them both, um, because at that time had gotten married and I had my first baby. So add that to the mix of juggling several things right, and so, Um, I worked the direct sales business for a certain time until coaching grew to a point where I knew that in my heart of hearts, I didn't have the interest or desire to build the other business. But I didn't stop one income stream to start at zero with another. Okay, so that would be my advice to say that is good advice for most people. There's a few people who love to burn their bridges in his goal in on something new, and they can do that, but I think it's it's often safer and smarter to have that backup or at least have that stability in place. So I'm gonna take us forward then. So how how, as a side project or second business, how does the coaching start to take off? It was slow, it was really slow and Um, but...

I think that for me I needed time to build my confidence back up and it was actually I think around that time. There's first couple of years where I found you and because you you spoke about this laptop lifestyle and I thought even just the idea of it to be able to work anywhere in the world, just as long as you have Internet access in the laptop, you know, and a phone line of some sort. I mean that I was musmerized, but by that idea. and Um, for me it took some time. Um, I think my I mean I have my numbers somewhere, but I think like the first year I made like eight thousand dollars. But that was a lot in respect of doing something that I just ventured into, and the old me would have gone to coaching school and spent a whole lot of money. Um, but I wanted to try it out first and see, you know, is this something that I could I could actually do. We talk about that first year because I think that is the hardest part for a lot of people. They just don't know how they get the first client, the first ten make the first eight thousand dollars, as the case maybe. What did you do in that first year? Yeah, a couple of things. Um. So I coached for free, and that coaching for Free Um led me to a few referrals. And then I'll start to interrupt one more time here. But even when you say you coach for free, I know as a person who's been coaching others, and often I say one of the first things to do is to coach for free, for experience, Um, for cementing what topic you want to help people with, forgetting case studies, so many good reasons to do it, um. But a lot of people get stuck with that because they don't know. What I do is do I ask my friends and say, listen, I'm now a coach. Do you want my help? Like, well, what did you do to Find Free Coaching clients? Yeah, so, Um, I was just honest and real and I said look, I read this book and I think I'm supposed to be a coach and I just said, Um, I'd love to help you. Um, would you be open to doing five sessions with me and I wouldn't charge you for anything. and Um, if I can give you some kind of result out of this, would you mind writing a testimony for me, because I learned early on through personal development facts tell, but stories sell, and I can say for the first five years I use those testimonials for myself just to build my own confidence. Whenever I felt like, okay, what am I doing? Am I even like helping people? I would read my testimonials over and over and over again because it was proof, it was proof of what I was able to help others with, and so highly, uh, recommend that. and Um, I think that you know when you when you give something, you're all and and genuinely come from a heart place. Um, it's not Trans Actional, it's really about building relationship and I think that's super important because it's it's such a disarming approach, because not everybody feels like they've got somebody there for them that won't judge them, that we'll hear them out, will be we'll ask them the right questions and we'll stick it out with them and hold them accountable to their highest self. And I think that, Um, when you when you realize that that's something that you can do for somebody else, then you'll see how valuable that is for the person that you're actually helping. Leaps and bounds. Just holding space for someone so that they can think is monumental. I've had some sessions where I've barely said anything. I just held space so that they can sort certain things out and they'll ask a few key questions, Um, so that it'll inspire them to or ponder certain things. And that was the coaching session. And you know, the reflection on that is that it didn't make coaching about me, and how could? I'm the best coach and how I I really made coaching about serving and uh, I think that's I think a lot of coaches Um forget that they're they're really about their methodology and what I'm going to train you on instead of really listening, active listening skill. Yeah, that's good advice. Did you have a topic at the time, like were you saying I'm a coach on this, or was it just like, I'm a coach, I'm a coach, I want to help you to succeed in whatever it is that you want to succeed in. I cast it a wide net, because then it was really up to them to set the agenda, to figure out what it is that they wanted. And after a while there was this theme, though, of finances, and I could be authentic and really enough to...

...say here's what happened with me and here's how I'm turning it around. And then that niche, I think organically came came about. Okay, so back from when I before I interrupted, you eight thousand dollars in the first year. So we can see now how you got your your free clients and how that was so important for building your self esteem, getting your practice in, finding maybe the niche a little bit with finance. Everything starts to come from that. Then you start charging money. So how do you get to eight thousand? In your first year I charged five and then I was so bold to charge fifty a session. And with that, um it was just the consistency. You know, I never did packages. Um, I just kept going with a client and Um delivered as much value as I could that they kept wanting to coach with me. So I've had several UH clients where I was helping them in such a way that then I ended up coaching their mom and then I ended up coaching their dad. Had another client where I ended up coaching her sister. Then I ended up coaching the other sister, because they're your biggest advocates and walking billboards of the experience. They can't stop talking about it, and so I think that's how that grew organically. And then I remember, Um, uh, realizing, okay, I need to be online somehow, and I I'm not. I'm very high touched, not as high tech Um and UM. I was talking to someone, um about be coming on being online and she guided me to this online directory, and I still believe it is the largest international director for coaches and called new me dot com and o o m I I dot Com and I'm still listed on there to to date. And when I went on there it was like wow, there's this world of other coaches that I could, you know, keep getting in touch with. and Um, with some boldness, I reached out to a few and then I connected with the marketing coach who wasn't doing well financially and I was doing well financially, you know, to a degree at least, being able to connect the dots and but I didn't know marketing. So we traded and so she actually set up my Linkedin, which I didn't know what that was at the time. She set up a yelled page and she set up my Google, my business, and that was well over thirteen years ago. And then, at that time, with the concept of facts tell stories cell, I gathered as many of my clients to and Um asked them if they would, uh, post their testimonials for me on those platforms. It's funny to think thirteen years ago, and that's probably around the time you came across my work, because it sounds like that's when you started looking into the online part of this. Um, that's a long time ago. I mean that my first version of my first course came out around probably about then, maybe fifteen years ago, so slightly after that. Um, a different time obviously, but still similar marketing things can work. Um. Well, two questions. One, let's close a loop on because I don't did you take my blog master one. One point, of course, is that what you first studied? Well, I did it. So, Um, was that part of like I mean, I mean I know you and I we talked I feel like every three or four years. I sort of get an update on what's going on with Michelle and it's always better, but it's always kind of more and more of one on one coaching, Um, which can be quite laptop lifestyle. You can certainly do it anywhere, but I mean it sounds like a lot of your coaching was face to face to start with, in real life, not like we're doing now. No, actually, all of it was online. All of it was over the phone. Yeah, for day one, before zoom even existed. Um, okay, so you did have essentially a laptop livestyle business, a little bit Um, personal in the sense you have to always show up for something, and that's often what people get a little frustrated with. But let's not talk about that yet. Um. So, going back then, you set up all your basic marketing, important discovery things, your testimonials. Was the plan maybe to start writing as a way to get clients, and that's why you're interested in blogging at the time, because I'm trying to think everything you've said so far. By getting clients has pretty much been through referrals, right, your current clients, Um, bringing new clients, but that can only go so far. I'm guessing with your friendship circle, at some point you might need to find a few New People. So what was the kind of rollout of your marketing? So it's so funny. Yes, I had the idea, okay, well, I need to start blogging, because that's at that time, that's what everyone was doing. I just Um, I'll say that I wasn't so great at it. I did my best, Um, and you know what...

...is wild that actually happened is because I look back and I think about it now and I realized that in order for Um, the right people to find you, you do need to be searchable. And yes, searchable with blogging. But then I also realize what are those search engines that are out there where someone has an urgent need? Um there hopping online to find someone to work with or looking for a person to work with, not researching uh, an answer. And so that's really where, Um, I think everything shifted for me, because then I started, Um, expanding yelp and um I started also paying for some advertising on Yelp and then I had some constant lead flow through that and then, Um, I did have, um, some articles on my website and then I found somebody that could do seo for me out of the Philippines and then, Um, that helped me with location, because something that I learned when I was working with Um, the founder of new me, is that when people are looking to work with somebody, they're looking for somebody um nearby. So location, geographic location, is super important. and Um. That being said, I knew that yelp was a huge search engine in Los Angeles and I needed to appear Um as a number one financial coach on that platform. So globally or just or just locally, just locally on in Los Angeles. Later I expanded territory to different major cities in the Usum, but Los Angeles was the hub. Okay. So yelp ads, yelp organic search. Just going after that and currently, if I'm wrong, was it like get out of debt coach, financial coach, life coach, financial coach. That was okay. She decided to really go after that in l a. How did it go? It went well. Like right now, if you Google financial coach Los Angeles, it typical show four times in the first page. So four times. Yeah, okay, that's that's a domination. Nice. Yes, so did that immediately, like and maybe to go back to your story here, was that part of getting to eight thousand or was that after you already at eight thousand in that first year. That was after yeah, that was after eight thousand. I was able to get to eight thousand. Yeah, so eight thousand really was war market referrals. And then I was able to get a few new clients through the new meat platform because they're also, Um, it's a it's a lead source for coaches as well. Okay, how much did you do in year two? Um, actually, I have my numbers just because of a financial coach. So if you want to see yeah, if you wanted to go over them really quick, revenue year of light year. I mean, we don't have to go through every year, but yeah, we can get an overview. It is a lot of years. It is a lot of years. Um. So just a little right. Thousand in Um, about twelve, in eleven, um a little over fifteen, and so this is slow right. And and mind you, Um, I had I had my son and then two years later I had another son. Right. So this is me stay at home mom. Then after that, Um, a little over twenty and then Um closer to thirty, UM fifty. By Two Thousand Sixteen, I was at eighty and then seventeen is when I had my daughter and I hit over six figures, I did went sixteen and then from there, UM, two thousand eighteen was four, and then in two thousand nineteen, Eighty Four, two thousand twenty three, sixty seven one was five thirty and twenty two, I'm on track to do five fifty this year. Wow, thanks for the breakdown. That so helling. I have so many questions about this. Um. First of all, yeah, congratulations for consistency, because, let's let's that is not a like you got rich and in a year or two story that is you just kept doing it, you kept improving, your numbers kept going up and obviously you're still hitting new numbers and big numbers now. Um, the questions that come to Mindor two, and maybe we can cover both, um, and two sides of this. One is your actual delivery of coaching because of the numbers go up, the clients go up, you...

...get busy. But then there's other side of it, which is how you get to that many clients. So let's let me start with the first part of that. So Um, currently, if I'm wrong, but throughout those years you're raising prices at the same time. So you're getting more clients but you're also increasing prices. Um, what is your day like? Do you do? You do have ten hour days, or is it one client a day? Where does it fit in all that? Maybe through the progression, like over the years? Yeah, absolutely. So, Um. Funny enough, I remember, Um having my first, uh, five clients and I'm thinking, how am I ever going to get to ten? Right, ten clients that I'm working with? And then I can recall like remembering. Okay, how am I going to hit five thousand for the month? And then, Um, how can I hit five thousand in a week? Um, and how can I do in this year? And now how can I do it in a month? Um, my rates went obviously from zero. Um I might charge seven session now, Um per per session. and Um last year I did a thousand eight seven sessions and my average was around five. and Um it's I'm tracking the same usually, once I've gone into rhythm, I could because I tracked my numbers so well. I'm usually doing what I did the year prior by the third month of September because I'm just I'm pacing at a certain rate. and Um, uh, because I'm raising rates. Um, I can still handle the same number of clients. Um, so that I'm not I'm not like, uh, working from sundown to Sun Up, if that makes sense, and every time I raised my rates, I feel like, Oh my God, am I really doing this? But you just, I think, grow into that number and then that just becomes your number and then you just grow a little bit bigger and then a little bit bigger. And I think for me, uh, doing it that way helped me to have ownership in the value that I was bringing and then just that little bit more didn't seem like such a big leap. And it also helped me, as I was progressing, continue to fine tune coaching so that it just became so much more Um, streamlined and strategic and and you know, in the very beginning of coaching you attract a certain kind of client, but as you grow, an increase in your skill set, in your authority, in your posture, in your voice right Um, other I'll say you, you um become more magnetic for other kinds of of clients. Because the client that I have now, like it just was hired by the number one police psychologists in the country. I never would have been able to coach her, you know, year two, year three, because I didn't have the wealth of knowledge or the experience in the areas that she really needed specific coaching. And so you know that that occurred, did you? Do you mind me asking? I have so many questions here, but Um, what, what does a police psychologists come to you asking for at a seven an hour rate? Because that's I mean I want to ask you to like like you're just saying now. It's such a jump from fifty seven. But you worked your way up to that. But obviously the people who used to hire you, there's no way. They probably can afford you. Now maybe they can someone they've probably gotten wealthy over the years, hopefully too, and maybe they could. But the new clients you attract, it's a different type of person. Who can afford seven D dollars. Like they're not in credit card debt because they don't have seven hundred dollars to spend on coaching. Or maybe I'm wrong. Um, maybe I've got a lot of money coming in, a lot of money coming out. But what is the client type for seven? Yeah, yeah, because I just I just started this month of starting seven clients Um at that that rate. Right. So, Um, it's it's a handful of things. Um, I currently Um attract a lot of I'll say successful, UM, high income earning clients. But just because you make a lot of money doesn't necessarily mean that you know where it's all going and if it's efficiently, UM, being spent. and Um. I'll have clients that make multiple, multiple six figures Um, but they have a lot of credit card debts, still the same, because lifestyle increases. And I think for me, I know that I'm called to the up and outers, if you know, if if I were to class a certain kind of person, Um, because they have a lot of things going for them, but they just don't have the strategy in how a function with their finances. So it's operating...

...like a well world machine. and Um, their their pace in life is one where they're in their own zone of genius in their career, but perhaps this other side of the brain where it comes to numbers, that's not their strong suit. So they do see the value of bringing somebody in to be able to organize their financial life, help them to shift from their money costing them money to their money making the money to expand. Um, the possibility of real estate. I've had many clients who make lots of money but they still don't own their first home. Because, Um, there's you know, when you're when you're on this runaway train and you're spending so much with kids in private school or, Um, certain vacations or spending Um, that you just don't know where to even begin to sort things out and it feels really, really heavy, both emotionally, Um and uh, time wise, because you know, when people get busy, then they don't really have a lot of time to sort this out and they don't know how to figure it out. So what would be the most common phrase they come to saying I need help with? Is it I need to get out of debt, despite the fact that I'm making a lot of money, I still find myself in debt? Or is this something else? I want to buy my first home or or something like that. Yeah, Um, the main thing that people say is that they want to get their finances on track, Um, that they feel out of control, that they if they're they know that they're on paper, they're successful in life, but this is the one area they just don't know how to get right because they've never they were never shown how, which I agree because, just like me, it was never taught around the dinner table. It's never taught in the classroom. Um, I didn't learn it, even though I went to, you know, a prestigious private, you know school and learn business, Um, personal finances wasn't really taught. So, without going too too deep into what you actually talk about during one year sessions, what do you talk about during one of your sessions to help these people? Yeah, yeah, so good. So, you know, the first thing that I um coach someone with the first session is always goal setting, and the reason being is because there's two sides in goal setting. There's the I call it the financial life coach, the financial coaching side, which is I need to pay the debt off, I want my credit score to be at this, I need to buy this house, I want to get into real andy investing, I want to be able to make this much money, I want to be able to go on these types of vacations. So that's like the two point Oh version of life. That's the Vision Board, you know, picture that they're they're creating, and then on the other side of that, from the life coaching side, I also work with them on well, who do they have to be, or who do they get to be really in order to be the person that can achieve that, and that is in three categories, being goals, mindset goals and energy goals. And I say that because Um from all of personal development, and I love Jim Rowne. He's like the the grandfather of personal development, and one quote that has always stood out that I share in every coaching call is don't make it a goal to make a million dollars just because of the money, but because of who you'll become. Who Will you become and that two point o version of yourself? Because we're always leveling up. When you realize it, we've leveled up in our careers, we're leveling up, you know, with our possessions or whatnot, and the places that we want to go and the kinds of foods that we want to eat. Why not just level up as well as as a person that you're becoming, because that's a person who will actually be able to to achieve and accomplish the two point Oh life that they're looking for. And when you get that concept um in your um down, then you realize, okay, now I can design the three point of life. WHO's a three point O me? Now I can design the four point of life. WHO's the four point of me and you just continue to level up towards that, and I think that is how it happened for me as a coach. Okay, so I'm this one point of coach who was a two point coach, and me and who was my two point of client, I get to be the three point no coach, who was my three point no kind of clients, because never in a million years would ever have thought that I would have a senator as a client, a client that ran for president, celebrities as clients, Um, professors at the college I went to with clients, you know. So that's how it occurred. Okay, amazing. I appreciate the I mean, I could ask you more and more questions about what do you do in a coaching session, but I want to cover other things first. If we have time and can come back to it, but I kind of drifted away from the market. Can I interject you with this because I just want to Um, yes, yes, they always start with goal setting, but then then comes the mechanics, because really it's three parts. Most people with financial coaching, they lack visibility, they lack strategy and they lack leadership in what to do. Um, and so I break the...

...sessions down in such a way where we're going over numbers, actuals for the last ninety days, because most people don't even remember what they eat yesterday. And then we're looking at a snapshot of all the many that came in in reality and where it went out. And then, Um, I fit in all of the yearly Um amounts, because those are the things that we don't think about, those are things that get on a credit card, right. And then, Um, we build a budget based off of that. and Um, I mean this is so big picture. But then after that, then we we do strategy. Will strategize to pay off debt, will strategize to buy a house, will strategize to get into real estate investing, and then the last session is typically implementation. So that's just in a nutshell. Appreciate the over that's that's much helpful, very helpful. Um, it is amazing that those topics are very similar to what I would expect someone who doesn't have a lot of money yet, who isn't earning, you know, like isn't a senator, isn't running for president. Everyone kind of is thinking that's my problem. But then I wouldn't think a person who can spend seven hundred dollars in a coaching session is also still asking those questions. In my mind. If you're earning multiple six figures a year, you know what, that's probably the minimum to say seven hundred dollars is okay for a coaching session. You think, well, of course you've got enough money to buy a house because you're you're you're keeping all this money from all the money you make, and you should already have your debt paid off because you're making so much money. But you realize these are problems. No matter at what level income you're at. It is a challenge, especially if you're not wired, like you said, to do something as simple as how much money do you spend on food each month and how much money is spending? This is itemizing everything and seeing where it's going and then moving something from there to pay off something else. So Um, but that's an important distinction to make. You can teach exactly what you teach now to a higher caliber clientele because they have the same problems. You just have to believe you can help them and you have to believe you can charge more. So I love all that. You're you're walking proof of all this. You're walking proof of the evolution to go through all that from your starting point at twenty five an hour to now seven. But what I wanted to know, Um, this kind of connected to the two parts of this. Doing Seven coaching sessions. We touched on her before. How many hours are you doing per week or per month in coaching? Yeah, so I typically do anywhere between eighteen and twenty three sessions a week. Okay, so it's still very much a part time job for you in terms of labor. Yep, yeah, because I'm still a mom of three kids. Yeah, that's the other job I still have. You know, my husband and I we flipped houses as well. So yeah, okay, Um. And then continuing at the line of question before I said the marketing side of this, I feel like marketing at a higher price point might need to change. Like how do you convince a senator that you're the person to hire for the financial advice? I can understand maybe case studies and social proof of your current and past clients helps tremendously. You kind of build up from you know, you get a normal person, whatever normal means to maybe the first CEO of a company, which helps you. Then get the first senator, which might help you get the first president and then you get the first rock star or whatever it is, but that's a lot of leveling up. How did you progress in your marketing to reach the point where se is justified? That's a good question. Um, the best answer that I could give you is that, um, someone when they get on the phone with you, because I do all of the discovery calls myself. Um, they have to think, no one believe that they can trust you, that you can solve the problem and no one else can. and Um, that Um, they need to do this now, in fact yesterday. Um. As far as that the rate, I have many clients that pay me that where I keep a card on file or they've ven MOWER Zilla whatnot. And then I have other clients, and this shifted for me during covid because I really did want to help more people, is that I started doing payment plans with clients and so, Um, when I opted to offer them a payment plan that fit inside of budget, a lot of the wall up or the question while I need the coaching, but I don't have the money to get the coaching to get my finances on track. Um, that wasn't an issue anymore. And you know. It's just so interesting is that even the clients that were on a payment plan, because of the way that I coach, we were able to shift things through the coaching so that, Um, a good number of them Um would would address their debt and then and say, okay, I...

...just want to pay off the balance with you now. Um. So I don't know if that answers your question, but it is really about for me in the marketing because, yes, there's a marketing online in what people have read, but you're you're also marketing yourself when you're talking with them, by the first hello, by the tone of your voice, by the welcoming, welcoming their first experience with you, Um, with interaction, with setting the first appointment. Um, if you operate from such a place where you've got so much certainty, Um, that you have this Um, well thought out streamline process that they fit perfectly into and you take the pressure off of them, I think that Um, that uh leaves somebody saying okay, there's nothing in the way of me saying no now, Um, and it's just a matter of trusting themselves, to trust you to take the first step. That's that's how I look at it. At least in the psychology of the way that I built my business. That makes sense. You're you're talking about, I guess, the sales side of it, where you're selling on the call. That doesn't sound as it's really just building a relationship right and then dealing with all their rejection points. But before that they have to discover you. Make the choice to book a discovery call. Today, does that happen from searching still and, you know, finding yelp or obviously there's a lot of word of mouth where your current clients are recommending you. Is there anything new and different you've done recently to to bring in new clients, or is that still the same basic structure? It's still the same. Yeah, it's still the same and it's really quite wild. Um. And I think over time, because of being able to be searchable. Um, and I tell all, Um, certain people that have hired me to help them with their coaching business and I said to them, if I wanted to find somebody like you that to solve that particular problem, how can I even find you? And if they're not able to be found through, you know, online, then then Um, that is an area that I want them to get strong at. Um. So, Um, I just I get a trickle of leads every day and it's just about being able to convert those leads. So knowing your numbers too, because, Um, if, if, let's just say in a month, you know, someone gets ten leads but they're only able to close one of them, then they're they're working way much more harder than somebody that gets the same ten leads and can close like six of them. Right, that first person would need to have sixty leads to come in just to get the same number of new clients as a person that, Um, had the ten leads but with the higher conversion. So for me, I think, just by by necessity, I also had to get really good with be able to convert the number of people that, you know, Um, we're coming my way and not wasting it. Really that is possibly the most common question, where leads me to the most common question I get from people who are about to do their first discovery calls. So they decided to do some coaching, and I'm asking this on behalf of them very much, as well as everyone listening in here. Um, what is a discovery call for you and how do you use that, because I don't maybe tell us how long a discovery call is, because a lot of my students come and say, okay, I booked my first fifteen minute discovery call or something like that. How do I bridge the gap from them booking this free fifteen minutes to them paying me with only a fifteen minutes to actually make that conversion, that sale, as you're saying, which clearly you've gotten better at over time. Yeah, so my my answer to you is typically, Um, I say it's a twenty minute call, but I always really room for thirty and there are sometimes they'll go all the way up to an hour. I'm not coaching that person, Um, but if I could say here's the platform or here's the methodology, because I'm an open book here and and Um, I think that this would help a lot of people. Um, the first thing I say when I picked the phone up is, you know, what can I do for you, because then I'm coming from a place of service, and then, as a friend, because I want things to be conversational. Um, I'll say catching me up. You know where are things at right now? And because people need to warm up in order to start opening up. And so then from there, once they've unloaded everything, in their mind and I'm asking a few questions at the time. Then, Um, I will say this is what I caught from you so far, because most people want to also feel like they've been heard. So I'll summarize what it is that they shared with me and then I'll go deeper with question asking. I'll say,...

...okay, I just want a little bit more detail around the landscape. So is it Ok if I ask you a few, a few more questions? just go right for the jugular. Okay. Where are we at with Um? Do you own a home or your renting? Um? Do you work for yourself? For You um? Do you, you know, have a w two income? Where are we at with taxes? Where are we at with your credit? I'm I'm getting so branular with them because I'm so I'm so curious about everything that's working and not working, and then I give them my recommendation because I'm the expert. So it's okay, awesome, based on everything that you share with me, it's just a couple of things. I always say it's just a couple of things because I want them to feel like, okay, it's only a couple of things. It's not like this huge, gigantic, you know problem that, um I is weighing me down. Um, I say it that way because then it feels like, okay, this is doable. And then I have a certain Um, uh, what would you say? Like dialogue? I guess that's the word. And and for most people it's what I what I see in your situation. It's just a couple of things. Um, we're lacking visibility and strategy to create the financial stability that you're really looking for. And so with my clients I usually guide them through five steps, and it's goal setting, and I go into that, and it is Um, crunching the numbers, creating a budget, Um, the strategy of what it is that you're wanting to complish, and then implementation. And so then I'm getting their buy in because I'm giving them. You know, what most people say is that, you know, I really like that you have a step by step plan and it's laid out and it's simple. And then from there, then I say, you know, most people at this point I just go right into it. Most people the point they have a few questions, they want to know more of like what does it actually take to coach with me? And then I share with them. Coaching sessions are typically one a week. You normally, to start with, do you a handful, most likely five and Um, and everything is confidential. I often do a flat rate and this is the rate. And then for my clients that have a cash flow issue, Um, I have some clients where that's not a problem to keep a credit card on file and I have other clients, you know, that are managing their cash flow that will set up some type of payment plan that fits inside of budget. And then at that point, what I'm doing at that point is managing any of their objections time, money. How often is this something that can actually work for me? Um, and is this something that that is the timing of it right for myself? Um. And then I just go right into asking them how soon do they want to get their finances on track? Do you want to to start this week, next week? That waits, an option close, an assumption. Option close of a yes is we're just gonna do it here today, this week or next week, and it's it's moving them into their answer by guiding them. If that makes sense. I love that. Thank you so much. Michelle for sharing that. I feel like anyone. I can now refer everyone to this interview. Just listen to the five minutes of Michelle saying what to do on a discovery call and you've got, you know, your own little plan there for for your own whatever it is you coach, and it can be adapted to that. Um, in the last sort of five minutes here, Michelle, it's obviously been a long journey. Um, it's a it's an amazing amount of money for a side amount of hours, like hours a week. Uh Yeah, a week. Um, that that is I don't even know if you've imagined reaching that point when you first started this business. Maybe you did, because you were you were pretty ambitious. Um, for those listening in who are thinking, well, okay, I want to follow Michelle's footsteps, maybe I want to even do it a little faster than you, because you know, thirteen years is a long time to wait to get the half a million year. I can I get there in five years. Going to get there in three or something like that. What would you advise them to do to really grow a fantastic, lucrative, you know, one on one coaching business? Yeah, that's such a good question. Um. One of my coaching clients, Um, because she was working at a regular job in the first phone call she had with me. As Michelle, I want to quit this job and I want to be a coach and I need help with my finances to get there. and Um, it is number one. Um, be searchable online. So, just like me, be on Yelp, be on Google my business, Um, and also be on new me and Linkedin Um and Um. With that...

...being said, Um, I think that what's also important is to have a website that is sort of like a brochure that doesn't give any information about rates or anything like that, but it really just touches upon the pain points of what it is that that they're um running into. Um, and and about you. I would number two. So searchable. Number two is gather as many testimonials as you can and if you get long testimonials, chop those up into smaller testimonials and sprinkle them because if you were to compare coach a to coach B and coach a has three testimonials and coach B has thirty five, most people would have an impression that coach b is more successful and would be more interested in going with coach B and then the fourth would be to know your numbers. Um, know your numbers in such a way that then you're tweaking. Okay, if I just raised my rate here, or if I just have this money, more sessions during the week that I could handle, Um, if I could just to offer something at this price point, I think that you'll go faster than I did because, Um, the client that I mentioned who left her job to be a coach, in three years she hit thirty, you know, she hit eighty four thousand and three years Um, uh, as far as this year she's going to do eighty four thousand in coaching and it took me, Oh my goodness, like eight or nine just to get there. Um. So that's what I would say. Definitely be searchable, gather testimonials and know your numbers and your coaching business so that you know what to tweak to keep, Um, creating more value, Um and charging at the rate that you feel, you know it's worth. that. Yeah, that that rate part, I imagine, is a real hiccup for a lot of people. Like be thinking, I can't justify two from my time now. I haven't taken any clients yet to have you know, I'm fifty dollars an hour or something like that. Do you think that, like as a if you go back to St Michelle right at the beginning, those first few years, when you were charging around fifty, would you advise her to start at a hundred instead, or start at a higher price, or do you think it's necessary to go through free and then very low cost as part of your evolution with pricing? I think that if you're gun shot to charge, start with free, if you have a belief in yourself that what you are doing brings value. Um, I would pick a number that you can resonate with, because here's the thing. I can I've talked to other people where they've set a number to me, but I could tell, just intuitively, that they couldn't deliver at that price point. They didn't feel it was it was over, that it was a number that they pulled out of the air, that they were reaching for, but they couldn't stand behind it. and Um, I don't know if's just like women's intuition, and I'm learning about that now actually, but there is something about that Um and for yourself, if you feel confident about because you can feel an inside too, like if you feel like I can't charge that person this much money, not because of the value but just because it doesn't feel right in you, then then, Um, someone else will pick up that frequency. So to me there's some coaching around, you know, Self Coaching or personal coaching that you can um dive into to get to that sticky point for yourself. Um, and when you can work through that, I think that then you'll break your own barrier, because it is always about breaking your own glass ceiling above you, not anybody else. I totally agree. It's you're right. It's almost like a resonance, a sense of I am worth this much because I can deliver this result to you, and you kind of intuitively know what that feels like and what and you know, even how long you've been doing something or how much you've lived through or the experience you have, that that really helps. So, Michelle will wrap it up. For over an hour. For people who are interested in learning about you, maybe even hiring you as a coach, where should they head to? Yeah, absolutely so they can go to my website, Michelle TASCO dot com, and they can google financial life coach Los Angeles and find me, you know, four times on that page. I'm actually in Vanity Fair this issue. Um, I have it here beside me, Um, right here. It's the July August issue. That's awesome. and Um, if you want to learn about Um, making more money and just following other women entrepreneurs that have hit, you know, that million mark and beyond, Um, this book the Science of getting rich for women and Um, I've written a chapter in it myself, and so...

...you can learn more about me there. and Um, yeah, any of those methods I'm able to be reached. That's awesome. Thanks, Michelle. Is there anything else you would like to share with the audience before I stop our recording today? Yeah, you know, just honestly, in my heart of hearts, the world needs coaches because, um, there are areas or categories of coaching that are just never going to be taught in school. And it's not even about, UM, they're not being enough teachers. It's about people that have life experiences, people that have a passion, people that have a calling, Um and a message that they know that they're meant to impact others to be able to live the life that they're meant to be living, have the career they're meant to be you know, working Um, having a most amazing marriage, being an amazing parent, being a successfulatch manure and uh, I just say that there are people that need us and, Um, if not now, then when? And if not you, then who? Because if you don't step up to the plate, someone else will, and you don't want to miss that and look back and say, oh my gosh, I never followed through or I never did that. And so I think that this is one of those like, can I believe in myself enough to go the distance? And you know, a wise person said to me to be successful in business, you've got to stick around long enough to be successful in business. And it's it's not just are are you um willing to put yourself out there, but are you willing, um to go all in and to go the extra mile into to Um, AH, I'll stay succeed no matter how long it takes, no matter how it takes, because you know Yarrow, I know you. Um. You're here to Um impart your own wisdom and knowledge to create community, to inspire others that yes, it is possible, because you're living proof of it yourself. And so if we just all link arms together, I think that we really can transform the world in a beautiful way. It's the great message, Michelle, and I think you and I are both examples of longevity and and uh, you know your story. You went through all those years. It's not like yeah, it's eight thousand, it's ten thousand next year, it's twelve thousand the year after that. And you know, I started blogging in two thousand and five. This podcast start in two thousand and five and we're recording now in twenty two. So yeah, if you're enjoying what you're doing and you can really make an impact on a lot of people, as you have done. So thank you for sharing the story. Um, keep up the great work. I look forward to seeing you know what you do next. And of course, on the occasional coaching call that we talked through my programs, we always talk about you doing some kind of group program or some some sort of study programs. So hopefully one day we'll see that come out from you as well. Absolutely thank you, Yarrow. It's such a pleasure and honor to there you go, the interview with Michelle Tasco. I hope you enjoyed that. What a great story. I was really interested in everything Michelle was talking about getting to those kind of numbers with private coaching inspired me to get more back into private coaching myself, so I'm looking forward to Um possibly doing more in that space as well. It is a very satisfying thing to do, especially when you feel like you can help a lot of people with their next steps in whatever they're trying to do, solve a problem, grow something, change something about themselves, their life, their business, their relationship, whatever it could be. Before you go, if you have yet to subscribe to this podcast, please look for vested capital in your podcast player, hit the subscribe button and if you are doing that in the itunes player, the Apple Player makes you leave a review. I really really would appreciate that. I don't have many reviews on vested capital. Uh It'll be great to get some new Y. If you enjoyed this episode, please please leave that review. Also, subscribe on Youtube. Videos are coming. They're not just this podcast but my own show. I'm releasing both on basically the Yarrow Youtube Channel. You can find that just by searching Youtube for Yarrow, Y A R O or vested capital. You find the podcast and you'll see Michelle's face and my face in a video interview you can watch the episode if you want to catch a little bit more visuals with us, or if Youtube this happens to be your streaming audio video platform of choice, the show is available there and I have some really cool solo episodes coming up, not really episodes of a podcast, they're more youtube specific videos with some great footage that I've been taking and preparing with an editor for some pretty cool content coming up. So you have to subscribe on Youtube to get that. That's Yarrow Y A R oh. You can find that on Youtube. And, as I said at the beginning of this episode, if you are just it in possibly coaching, maybe you're ready are coaching your one on one coach. I have a software tool coming out called candid that is going to be very, very helpful for you to basically deliver those...

...coaching sessions. Um, there's a lot, a lot to it and I don't want to reveal too much right now, but if you want to make sure your first in line to get access to that, it's candid dot I s. enter your email address at candid dot I s and you can join my early notification email list and you'll be the first to find out when the Beta version the first version of the live APP will be available to you to use. That's candid dot I s. okay, that's it for me. My name is yarrow and I look forward to talking to you on a future episode of my podcast. Bye, bye,.

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