The Carnivore Entrepreneur Show

From Financial Chaos to Financial Fortress with Josh Keegan (Ultimate FD) - EP23

• Grant Hutchby • Season 1 • Episode 23

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What happens when even a chartered accountant can’t understand his own business numbers?

For Josh Keegan, it nearly cost him everything.

Until he discovered the systems that would later become Ultimate FD.

In this episode of The Carnivore Entrepreneur Show, I sit down with Josh Keegan, Chartered Accountant, award-winning entrepreneur, and founder of Ultimate FD.

Josh has started, scaled, and sold multiple successful businesses, and now builds world-class finance functions for 7-figure entrepreneurs. He’s also the author of Small Business, Big Profit, an Amazon #1 bestseller, and host of the Ultimate FD Podcast.

We go deep into:

  • 💰 Why most entrepreneurs lack true financial clarity (and how to know if you do)
  • 📊 The power of the balance sheet. The most overlooked tool for financial clarity
  • 🏋️‍♂️ How discipline in fitness mirrors discipline in finance and business
  • 🔑 Why growth can hide problems (and how to find your company’s sweet spot)
  • 🏰 How Josh built his Financial Fortress and technically retired at 33

Josh doesn’t just know finance. He lives it. His unique skill set bridges the disciplined world of accounting with the fast-paced demands of entrepreneurship. 

If you’ve ever felt “successful but stuck”, with turnover up but profits flat, this conversation could be the clarity you need.

🌍 Connect with Josh here:

👇 All free tools, downloads, and resources referenced are available at the bottom of this episode description.

LIFE ON YOUR TERMS

🌐 Connect & Level-Up

🎁 Download the FREE Toolkit - Click Here

Includes:

  • Healthy Body E-Book
  • 🥩 Performance Plate Framework
  • 🏋️‍♂️ One-&-Done Savage Set + 3 Cheat Sheets
  • 🧠 Focus & Flow Journal
  • 📈 12-Week Results Sprint Plan
  • 📆 Weekly PowerSprint Planner
  • ⚡ DDD-Done Framework

Plug these tools into your routine, share the wins with a fellow Carnivore Entrepreneur, and keep building true wealth on your terms, with strength, energy & purpose.

KG SHORT STAY:

Not having a healthy bank account. The stuff that you help with will impact your mental clarity. It will impact your mind. Not having a healthy body will impact all of them. How did ultimate FD come about, and what inspired your book? Small business, big profit? Well, I

Unknown:

spent a long time trying to solve it, and I remember this was, without a doubt, the most stressful, the most difficult time in my career. No, I kind of fell into entrepreneurship, and, you know, this was three or four years in, and the business just started to fall apart, essentially. And we were screwed, like financially. We were really, really, really difficult place. And the reason we're failing is because we couldn't understand our numbers. And I was a chartered accountant, and I still couldn't get my head around, why on earth this was going wrong.

KG SHORT STAY:

Welcome to the carnivore Entrepreneur Show where health unlocks true wealth. It's time to reclaim your strength, ignite your energy and live life with purpose. Master your body, sharpen your mind and dominate your path. Live life how it's supposed to be lived on your terms. Let's go, Hi guys, and welcome to the next episode of the carnivore Entrepreneur Show. I'm your host, Grant Hutchby, the carnivore entrepreneur, and today we have with us Josh Keegan. I'm not going to take away his fire, so I'll pass over to Josh to do the intro.

Unknown:

Hey, everyone. I am delighted to be here. My name is Joshua Keegan. I am the founder of a company called Ultimate FD. We're basically a firm of accountants. We build world class finance functions for seven figure entrepreneurs. I'm Amazon number one, best selling author with my book, small business, big profit and yeah, podcast host as well as entrepreneur, excited to have you through today. Excellent.

KG SHORT STAY:

Well, thank you for joining us, Josh and giving up your valuable time. Um, I always start off these shows with the same question, which is the show? The carnivore entrepreneur show is all about meat muscles, mindset and money. Tell me why you are qualified to be a carnivore entrepreneur.

Unknown:

Well, I guess because I like all of these things. I think obviously we've known each other for a number of years now. And my, my perception of you was that, well, basically my, my main rule with Grant is you want to get ahead of him in the lunch queue, because you know that if you're behind him for the chicken or any kind of protein,

KG SHORT STAY:

I think we had the chicken ones, didn't we? Yeah, we did. We took the

Unknown:

later one. I was like, oh my goodness, and you're on your seconds. I haven't got my first yet. So so obviously, I had that perception and that, you know, that view, and obviously, then you start sharing behind the scenes. And it's been like, so cool to watch, because, yeah, I very much align with a lot of these different things. So meat, you know, I like my meat. I like my protein. I think protein intake is incredibly, incredibly important for, you know, healthy body, healthy mind, yeah, muscles. I would love to say that I am all over this, but I do my best. I've very consistent my training. Have a training regime, have a PT, and training is one of those anchors for me that's important. I know I could be doing more, but I also could be doing a lot of less. And then my final one is money. And obviously my whole business and profile is built around helping entrepreneurs basically take money from the top line to the bottom line. To the bottom line. So it's all about building lucrative, uh, companies that people can sell, essentially. So yeah, we're very much aligned, and that's why I feel that I'm qualified to be here. If you don't feel the same, then we can, we can finish them now the quite short episode, but I'm hoping we can continue.

KG SHORT STAY:

Yeah, I normally sort of screen my clients a little bit before the before the show. So wouldn't have asked you on if I didn't think you were qualified, mate. So, yeah, brilliant, perfect. And just to get things kicked off, really, you've already mentioned, we met couple of years ago, property entrepreneur. And one of the things, obviously, you know, I took away straight away, was your free assessment of our business, which you know started, didn't start our financial journey, but sort of started this level of financial clarity, which I think we've got now. And I really do believe that your support and ultimate FD sort of inspired that journey. The question that I've got is, how did ultimate FD come about, and what inspired your book? Small, small business, big profit.

Unknown:

Yeah. So I think you can kind of go back to about seven or eight years actually, for like, the inception. I mean, ultimate is only actually been going for about two and a half years officially, but about eight years ago, I was scaling a similar business to yours. So I appreciate you've got this, but you also have your essay management company. I was doing a HMO management company at the time, which is basically a letting agency for professional house shares. And it was scaling. It was growing, and on the face of it, social media, things were going well. You know, we were you. We were absolutely killing it online, but then the bank balance kept getting smaller, and we couldn't really work out why. And we knew we had a problem, but we couldn't we couldn't understand because we had accounting, we had systems, we had a bookkeeper, we had everything that you you know, if you tickle the box of the things you should have in your business. We had all those things, but then we couldn't understand why the cash kept going down. It's like, it's all very well, having these finance reviews, having these people telling us that this is how the business is performing. But if we're running out of money, we're running out of money. And it's like no one could actually tell us what was going on. So we spent, well, I spent a long time trying to solve it, and I remember this was, without a doubt the most stressful, the most difficult time in my career, you know, I kind of fell into entrepreneurship. And, you know, this was three or four years in, and the business just started to fall apart, essentially. And we were, we were screwed, like, financially. We were really, really, really difficult place. And we're like, well, we've got a problem to solve. And what I didn't share was, I'm actually a chartered accountant. So before I actually became an entrepreneur, did two and a half years with a company, got my charter ship with CGMA, what's called SEMA. Back then, it's not CGMA. So I was like, I should have known better as well. So I was an entrepreneur with a failing business, and the reason we're failing is because we couldn't understand our numbers. And I was a chartered accountant, and I still couldn't get my head around why on earth this was going wrong. And yeah, we went on a journey. I paid tax accountants. I paid overpriced FDS, literally 500 pound an hour. I recruit people in house. I tried virtual assistants in the Philippines. I tried literally everything to just for somebody to, like, get to the bottom of this and tell me, like, what the issue was. And it literally took me about six months to kind of get a better financial clarity and realise we had a huge black hole. And the reason we were losing money is because our accounts were being done wrong. We're overstating the performance via VAT. And then we actually found out that we owed HMRC about 100 grand, and We owed our clients a lot of money as well. Our client account was in the deficit, so it's basically six figure black hole, which was a really nasty place to get to. And yeah, we were in a difficult position, and we made a call to trade out of it, which is a difficult call to make. And I was like, well, if we're going to trade out of this, if we're going to get through this and, you know, sort this black hole, and there wasn't, it wasn't really a hard choice to make, actually, because we owed clients money. So if it was just us, then maybe we would have made a different decision, but we couldn't not pay clients like that was just, you know, for our ignorance. But anyway, I spent another 12 months or so really pushing it forward, really trying to understand the numbers, really understand what we needed to do, really started working on our business modelling, our planning, put all these financial controls in place, built like a an amazing, like, commercially driven finance department, which gave me everything I need every single month. And we finally got to the end of the black hole. We solved that problem, and then we kept scaling in the company, and kept, like, really building the robust financial controls, the forecasting, the modelling, the budgets and etc. And eventually managed to get to that business where it's literally kicking out 40% net margins, which is very high, and I was able to work on it for about 90 minutes a week because of the teams, the processes, the systems, the financial controls, everything that was in place and eventually went on to exit that company at the end of 2021 so it was very difficult journey, but the kind of store It's got, obviously, a very happy ending to that story. But it just made me realise that even as a chartered accountant, I struggled with the financial controls needed to scale the company profitably. And then I realised, well, if I struggled, most entrepreneurs don't have a hope in hell. So yeah, ultimate FD was born out of people saying, well, you've done this. Can you they say, Well, can you help it actually starts. People say, can you mentor me? I've got leggings. Can you mentor me in selling it? I go, Yeah, absolutely, cool. What your numbers? And they go, Oh, well, it's this is that I don't know. Before we can even talk about mentorship, let's build your finance department so we actually know what the numbers are, and then we can take you on the journey you want to get to. And so the first client said, Okay. And I was like, I'll teach you how to do it, you know, I'll work with you whatever you need. They said, Well, can you just do it for me? And I said, Yeah, we can do that. They said, how much? I said, two grand. And they went, Yeah, I don't Oh, that was easy. And then then we said, we had our first time. We built a finance department for them. Then more people asked to do the same. And yeah, it just kind of spiralled from there over the last five years. And the last two and a half years ago, we actually made an official company, and it became its own thing, own team. And now we've got a team of 10. We do a lot of different things, and we help in lots of different capacities. Basically, entrepreneurs that want to scale exit, make more money, make more profit, what they've already

KG SHORT STAY:

got excellent, wow. Well, that covers, actually, a couple of questions I was going to ask. So yeah, it sounds like you've been on a real core journey. And I think what I'm trying to do is trying to promote entrepreneurs to live a life of true wealth, which. It isn't just making money, but not making money, or even losing money, can have a significant impact on your stress levels and other areas of your life. So I fundamentally believe that to attain true wealth, you need to have a healthy body, a healthy mind and a healthy bank account. Because if you don't have one of those three, it will impact the other. So like not having a healthy bank account, the stuff that you help with will impact your mental clarity. It will impact your mind. Not having a healthy body will impact all of them. So what I like to touch on with everyone that comes on the show is each of those areas. So I always like to start with body, because I truly believe that that is the foundation to true wealth. Because if you can't enjoy the fruits of your labour, if you can't move and do the things that you want to do, what's the point? Right? So discipline in physical performance often feeds your business discipline. What fitness or nutrition routine keeps you sharp?

Unknown:

Yeah, and I agree with the sentiment the there's I was saying, isn't there that healthy people want 1000s of things, whereas sick people want only one exactly. It's so true, and it's so hard because we take all this stuff for granted, don't we, and that's why I think the nature is in the shape that it is, is because you have to, a lot of people have to experience real pain to do what we do in terms of training and physical fitness. Yeah, I agree. I've been around the houses with this a lot, in terms of, like, tried loads of different things. I've done body transformations, I've done normal kind of weightlifting in the gym. I've done marathons, I've done CrossFit, I've tried, like, lots of different things, but I can honestly say the last must be about two and a half years now, I've finally, I finally found something that works with me, that's that keeps me very, very consistent. I'll share what that is and but I think the key is, it's like, I think the biggest lesson I've had in all this thing is, like, whatever you decide to do, it should be a thing that you can do consistently for years and years and years. And you definitely get me. That is my, my sense. Because I've tried work, I've tried training six days a week. It's great for two weeks, then you then I kind of need to sleep for three days and feel I've tried I've tried it all. So my my routine at the moment, which I think works really well, is I basically do one cardio week, which is normally football on a Monday night. I do think everyone should try and have some sort of Team base or some sort of fun within that, within their training. Then I do one homework out a week, which I've literally just done this morning, which I do at home. We've got some weights. I've got pull up bar. I up bar, and that's normally about an hour, hour and five minutes, and that's that's pretty gruelling. Then I have a PT on a Friday. So Friday, tomorrow morning, I'll have a PT recording Thursday. And with him, we kind of, we always start the session with a skill. So example, the last 18 months, two years I've been learning to do muscle ups, like CrossFit style gymnastics, and that's been I really recommend that for anybody, because I found that's kept me really engaged, because you're kind of training to learn something you want to do. So I've got to place now where I can do three of them consistently. The goal by the knee was five, and I'm pretty sure I could do it. We're just taking our time to get there, but then once that's done, we're going to start handstand walks. Just like, it'd be cool to be able to do handstand walks, wouldn't it? And that the stuff you have to put in place to get that skill sorted in terms of, like the training outside it, like making your shoulders much stronger, loads of pull ups, whatever is, is, you know, part of it. And then you start progressing at something that's difficult that you thought you can do. And it's just, it feels fantastic. So I highly recommend that. And then I train on a Sunday as well and do weights training that generally the kind of two sessions I do at the gym tends to be the kind of bigger lifts, the kind of Olympic lifts, where it's like the, you know, bench, then lift squats and think they're called Olympic lifts. Yeah, Olympic lifts, whatever it may be. But I think the keys for that, though, is, as I said, I don't think matters how much you train or how much you train or how much you don't train. I think the biggest game changer for me, and why I've been consistent over the last two years is training a bit less. So I always used to try and do four, four gym and one football, and I would normally miss the fourth, and it used to cause me a lot of stress that I'd miss it, because I just found it hard to fit in. Particularly, I've got two very young kids, so it's last couple of years, it's been really difficult to to get that in. But the biggest game changer about doubt is having that Friday session with my PT booked in, and then he does then the programming for the rest of the week. So I just turn up he's got an app, and he just puts in the app. I just do what I'm told, and it's like, yeah, yeah. I think the more you take the guesswork out of it, the more you do what you're told. And I've never made so much progress, because he's tracking my lifts, watching my lifts and and just telling me what to do, and all of a sudden is, Oh, do you know your one rep max has gone up by 15% as I know I didn't know. That's good, that's good to hear. And I think having that taking care of you is been the biggest one for me on that front.

KG SHORT STAY:

Yeah, no, exactly. I think a lot of people miss the point of. A personal trainer, because I used to, I used to be one. And the point, point of a personal trainer is not to teach you what to do, is to make sure you do it.

Unknown:

Yeah, absolutely, yeah. And it's that we need it, but we do, like without I sometimes go to the gym someone I'm not planning my week. I always plan my weekend, if I don't plan my week for really lost. And I kind of do stuff, but it just feels really I'm all over the place. Whoever goes to the gym and just think, oh, you know, he's not got me a session in because I'm a holiday whatever. I'll just go and do something. I feel really unproductive. The time seems to drag on. Don't feel like it's a good session, whereas when I when it's been planned, I think it just gets results.

KG SHORT STAY:

Yeah, no, exactly, exactly. Cool. Yeah. And I think I definitely resonate with that sentiment is sometimes less is more like if you do less stuff, but consistently with intention and measurement, then you actually get better results from it. I think a lot of people think, oh, I need to go to the gym every day and spend an hour and a half in the gym every single day doing X, Y and Z. And they end up, you know, either burnt out, tired or disappointed because they didn't do it.

Unknown:

Yeah, if you, if you, if you train six days a week, whatever, which, I know some people do that, and you do that consistently for a period of time, absolutely fair play to, like, great, like, keep doing that. But if you do six days a week for three weeks, then you fall off for two weeks. I used to be at my previous gym. They used to have a 5am High Rocks class, and I was for 5am High Rocks. So it's, like, really intense for 5am so they get up super early and go in a train at 5am and it's like every day. And some people were there literally every day. And you knew those people, I'd see them every single day. Some people, you see them for like, four days, they're like, this is the best I've ever done. This is amazing. I'm doing. I'm a life of this now. Then they just disappear for four weeks, like, what happened? Where'd you go and realise felt so tired, I was burnt out. I was exhausted. It's like, I think it's just that's been the biggest game, like with health and fitness, like, I'm not in the shape I would I'm not I'm not in the shape I'd like to be. So I think we'd all like to have chiselled abs. You know, we'd all like to be lose five kilogrammes. We would like to be in a better place, like, that's my perception. But I'm not really willing to sacrifice more than what I've already have. So I'm very happy with as long as I get my training, as long as I do things consistently, I'm cool with that now, and I think that's kind of been a bit of maturity with my training over the last couple of

KG SHORT STAY:

years, good. And I think a lot of entrepreneurs need to learn that, because as entrepreneurs, we've got a lot going on. You know, it's more than just training. We've got families, businesses and other things that we do. You know,

Unknown:

I think we just, I think entrepreneurs as well, like, we're our own worst enemy, because I think the way we think about everything is quite extreme. Yeah, it's always extreme. It's always like, what's I think about? The other day, I was thinking, I can't what it was. I was thinking about something. I caught myself doing it like you might be two of our marketing or something. And I thought about, we could do this thing, whatever it was. I said, Yeah, we do that every day for four hours a day, seven days a week. And I was like, whoa. How did that just come from not doing it to, like, it has to now be four hours a day, seven days a week. Like, where did that even come from? Like, there's probably a middle ground which actually mean it means it happens, rather than the extreme, which happens for three or four weeks, and then you just give up because it's just too

KG SHORT STAY:

much. Yeah. No, exactly, exactly. Okay, cool. So I guess, how do you feel that a strong body underpins a strong business and strong business decisions?

Unknown:

But I think I was literally just doing in this workout I just did this morning, I was doing plank at the end. So I was doing planks. And the workouts really tough in terms of, it's like, at the end of it, you have six one minute planks with a minute with some, like, gum up sit ups in the middle. And that's a lot. I think it's a lot to do six one minute planks. That's disgusting. And to be honest, I didn't do very well. And last week I did it and I nailed it, and I was thinking, what's the difference? Because last week I did all six one minutes without stopping. This week I didn't. And I think with actually, where I came down to, which is kind of a separate point, is last week I was dealing with two other people. So two other people was at the belfry, two other people were doing it with me. And I was like, they were they were they were like, literally, like, next to me. And I was like, There's no way I'm going down. Like, there's no way I'm going down. And then in the the plank I was doing today, like, for some reason, just the pain got like, like, high very quickly, and I just kept giving in. And I think what I said to myself was like, Look, if you can't do this, if you can't just overcome that little bit of pain for 20 seconds, what are you going to be able to overcome in the business, in the podcast, recording, in, you know, whatever your day is going to be. And I do actually think, like this morning, I've been quite, quite relaxed. Like, I've got quite big to do list today, but I've just been had a meeting this morning, and then I worked out. It's just been quite chilled. I was like, is that. Is that the reason why I'm not being able to use planks, because I'm not in that beast mode, not in that headspace, not in that right discipline and get stuff done, so I'm just not in that headspace today. And I just think that kind of the the lesson I've got from it is like, I think the fact that I'm being quite relaxed in the businesses today is actually showing up in the in the training. And I think likewise, if you, if you show up in the training and you're you're disciplined and motivated, and you get the things done that you say you're gonna do, you do you do those hard things. It's like that that that shows up in in the business as well. I like, every morning, at the end of my shower, I do a cold shower. I think you do this too, or that fact you do, you do way worse than that at the end of my shower. My rule is like, consistently, I've been doing this for years and years now. Is like, I turn the shower onto cold 30 seconds. And I like, sometimes I would like five seconds through, and I think I'll just turn off. And I'm in a rush. I've got stuff to do, but really that's just my mind making a reason why I can finish that cold shower early. And I'm aware of that. But I think if you because it's like, it's only five seconds, six seconds, 10 seconds, like, does it actually matter in the grand scheme of things, for my health? Probably not. Like, no, it doesn't matter. But what it matters is, is for my mind, because I've let my mind get away with that one. What else is it gonna let what else am I gonna let my mind get away for the rest of the day when I've, like, halfway through making our new branding pack amazing, I'm halfway through a call of a client, or I'm halfway through briefing a team member on the new marketing strategy that we're gonna do whatever. And then I kind of go, Yeah, I've done enough now. I'm a bit tired. I should probably finish. What else am I gonna let that do? So I think coming back to your question, like, working out is hard. You never want, like, you never want to work out. I don't anyway, but it's like, it's so important because, because you don't want to do it. And like, overcoming is more than just the body for just the body. For me, it's more just, like, the mental push to, like, do the thing you don't want to do, lift the extra rep, just turn up and do the gym we didn't want to because it's like, if you can't do that, what are you actually going to do in your in your day to day? And I think that they, they definitely mirror each other.

KG SHORT STAY:

Yeah, no, absolutely. And I, I've watched a video once that said, the things that you need to do to achieve a good body are the same things that you need to do to achieve a great business, which is discipline, consistency and delayed gratification. So if you do though, if you can get good at those three things, you not only will have a good body, but you'll have a good business at the same time.

Unknown:

What's your definition of a good body? Like? What do you see as a good body?

KG SHORT STAY:

Being able to move and do the things that you want to do on a day by day basis, and not have any restrictions on your movement, to be able to play with your kids, to be able to have high energy right from the beginning of the day to the end of the day. You know, I don't believe that while your body naturally starts to look better when you become fitter and more agile. I don't have a picture of what I'm going to look like. I have more of a a feeling of what I'm going to be able to do that's interesting.

Unknown:

So aesthetically, for you, not that bothered. It's more just about the mobility and the the actual being able to

KG SHORT STAY:

function. Yeah, yeah, exactly. And I while I know, while it motivates me when I see my body change physically, that motivates me, but it's the being able to lift heavier weights. It's being able to be more flexible. It's being able to run around with my kids for longer. We went to Crete, and the boys just wanted to play football every single day on this astroturf place, and they did a game every single day that was refereed, and they wanted me to play every single time. So I would have felt really bad if I couldn't last the whole game. And it was nice to be able to run around on the pitch, be, you know, playing with them, and not have to go, Oh, do you know what? I can't take this. I've got a watch from the sidelines.

Unknown:

Have you felt like that before, where you've not been able to do it?

KG SHORT STAY:

Yeah? Yeah. My My life has been waves, so I fully qualified as a personal trainer in 2006 and just before that, I went through a bit of a unfit journey, and that's what made me become a personal trainer. And then I met my ex wife, and then fell into a comfort trap, and that went in a spiral. And then my other one was when, when I met Kay, I got fit again, and then I, when we made a lot of money, I sort of enjoyed it a little bit too much. And it's really the year that I came into property entrepreneur, was the year that I started to fix it for the sort of, I would say, third or fourth, final time. And since then, I've been pretty consistent with it. So I think

Unknown:

one of the things I definitely need to work on, which I'm aware of, is I'm definitely I care. Care about, because I've never had that where I've not been in a place where I can't, right. I've always been, I've been relatively, in fact, I did, like, basically, very little exercise until I got to union. And when I went to, you know, started running modes, and I got quite fit. So I've always been quite physically fit. So I've never had that moment where I where I can't, where I can be out, you know, outpaced or whatever. And I definitely think one of my biggest challenges is I definitely care a bit too much about the aesthetics associated with training. I think I would be and something I'd like to change and shift. But I think I had probably a bit Body Dysmorphia when I was at school, because I was always a bit more bit chubbier than I maybe that was body dysmorphia, but then, but I always felt I was like the fat kid, the chubby one. So I think I've always had issues, issues there. I definitely don't think that's good for me. I think so getting getting past that would be a really good bit of development for me to do, which I've tried to do, but still, I still find it hard, and I'd much rather be have your driver, because I think that's like, Yeah, I think that's the right one, really. I think that's correct. I think that's correct. I think that's that's what, how we should be thinking

KG SHORT STAY:

about it, yeah. I mean, I don't think it's wrong to be motivated by the way that you look, but the ultimate goal is to be able to feel great and live longer, right? Yeah.

Unknown:

But I think the only thing I think is it's not right. The only things I think it's not good for me to be motivated by the way it looks is because looks is because I'm not. I'm also not willing to give up the sacrifice get to the way I wanted to look. I know I've been there. I've done that body transformation. It's like the feet, the way that feels, is not good, like, that's not how I want to feel. So, yeah, I'm in this, always, in this battle of like, I want my body to look better. I want it to be looked like Instagram, but I don't know if it's sacrificing and it's this constant. It's not good because in constantly, like, I give myself a hard time about it, so I it's definitely something I need to work on. I don't think anyone's, anyone's perfect when it comes to this stuff. I think you're always trying to work on it and get get past

KG SHORT STAY:

things and, yeah, push forward. It's an infinite game. Like, that's why that that's the same as we should view business like we should view business the same way that we view our bodies. And that's, yeah, and that's a really, really good concept to have. I think Simon Sinek says that, you know, business is an infinite game. It's not a finite game. And so is looking after your body. And they both need the same things, you know, consistency, discipline and delayed regattification.

Unknown:

I think that's probably where the only bit that. So that's probably where you asked about the book small because my books called Small Business, can we go into business now? Yeah, if we move on to

KG SHORT STAY:

business, yeah, yeah, we can talk about that. Because I just let it flow. It's fine, yeah,

Unknown:

one of the things I am, like, pretty passionate about and, like, about ultimate. And what I do now is one of the, see, you know how I've it's really interesting. So, you know what I said about my body? Then it's never going to be done. Like, I'm always going to think it needs more, it needs to change, etc. One of the things, the way, I think I did, I see businesses a bit different these people, is, like, I see them finish. And what I mean by that is, I think most entrepreneurs are constantly growing. It's constantly right? What's next? Okay, we've got to a minute. Let's get to 1.2 we've got to 1.2 let's get to 1.50 it'd be like we get to three. And I think that's so admirable for a lot of people. But I just the more I spend time looking behind the scenes of companies, looking behind the scenes of businesses, looking behind the scenes and speaking to entrepreneurs. I just think that it's a broken mindset. And actually, like, I think my mindset around my body's a bit broken. I'm never, I've really, I won't, ever really be happy with it. Like, even if I lost 10 kilogrammes and looked in great shape and go all right, I need some more muscle or whatever. I never really be happy with it. I just see business a bit differently, and that that my first trading business that we sold, it was just amazing, like, and it was literally, like, a it wasn't the biggest, biggest business in the world. It's probably about half million pounds worth revenue, maybe a bit less, can't remember. We were at 40% net net margin with a team of people that were doing all the work. And I had to do nothing like, literally turn up when I say 90 minutes a week. It was three, one to ones a week with three senior team people. And even then they were getting cut down. It was, like, I didn't even need them, because they were just running the whole thing. And, like, it could be very tempting for me to go, oh, this, you know, we should be bigger. We should do that. We should change this, or should that's why I said but actually, I think there is also another skill set as an entrepreneur, to get to a certain level and go, this is actually really good. And by trying to double in size, or trying to add on XYZ, or trying to build this new arm of revenue, whatever this thing could actually break, and I think this is that that's the biggest thing I've learned, or the biggest thing I see, which actually thinks a mistake, is like every business has a sweet spot, a level and a size, where it just works really well. And the R is to get it to that level and keep it at that level and just enjoy it. Now that's mainly for lifestyle businesses. I'd say so. But I think my view is most entrepreneurs only actually really want a lifestyle business, because actually, who actually wants 3040, 50 people in an office? This, you know, where you're managing HR departments, etc. Some people do absolutely cool. But I think for most people, getting to that 12 person sweet spot, you know, anywhere from half a million pounds to 5 million pounds worth in revenue, making 30 to 40% net margin, that's a really great place to get to. And I think when you get there, you should be like, stop the infinite game and just go right. That's great. Let's milk it or sell it. And I'm quite clear on that. And I think that's a different view, maybe a bit of a controversial one, by the work of your thoughts on that,

KG SHORT STAY:

yeah, I mean, one of the things that I've definitely picked up since meeting you and coming into the property entrepreneur circle, and I think, I think I started to realise that even from the first interactions that that we had, but it didn't really settle in until I joined the board with with, directly with Daniel Hill, which is basically our business has a sweet spot, And it's not the only business that we're ever going to do, you know, it's just the first business that we've done. And actually the type of business is a very noisy business. And because Kay and I are so used to running noisy businesses, it didn't feel probably as noisy to us as it would to to other people. So we were just like, grow it, you know. And my role within the business was always growing it. And we spent from 2018 to probably middle of 2023 growing it, and actually figuring out and having some of the financial issues that we had within the business we can't grow when we've got financial things to figure out so but during that process of figuring it out, we realised that we had a sweet spot that we wanted to get to, and now we're put well, not so much me, but Kay is definitely putting in the time to optimise it. I'm extremely lucky that I've got Kay, because she effectively is my CEO for our main trading company, which allows me to do things like this. And I feel very, very grateful to be able to do that. And actually, if we can get to a stage where we sort out all the financial stuff, as you know, you know, we've been through a bit of a journey with fraud and and clarity and all the rest of it. But once we sorted that out, bit like you did back when, when you had that, that you know, six, six figure deficit, we can be in a place where we can either, like, say, milk it and sit there and take our three to 400,000 pound a year of profit from it. Or we can, you know, sell it at a high, which is, you know, probably something that we'd, that we'd look into, and then we can always go into other business ventures. You know,

Unknown:

absolutely what's amazing, and is, once you get it to that sweet spot where, where you're making that three to 400,000 pound a year profit and and the normal, noise does start to come down because it's calmed down, because it's like, it's just the same thing, year in, year out, month in, month out, and it's like, yeah, you build more processes, more systems in place, and it just reduces your involvement further and further. Think what's actually amazing is when you get to that stage, the team starts to grow. It for you, they start to add in more revenue stream you didn't even know existed. So you start that three to 400 starts going five to 600 but because you're not creating the noise at the top, the constant, growing constant, adding 20% on year on year, they can do that. And it's just like, I guess that's my point. Is you want to my perception is, unlike you know, my issues, my body, are not good ones, like I've just, I'll never be happy with it, really, and that's what I need to work on with businesses. I just sit differently. It's like, there's this level where you should go, right? This is we're killing this now, absolutely fantastic. Let's stop. And let's just, rather than focus on the top line anymore, let's focus on the bottom line and start milking, milking the bottom line. That's really where, in my opinion, the magic happens. And I think that is basically the game everyone should be playing if you want to grow your bank balance. Like stopping growing the business is often a way to actually grow your bank balance once you get to a certain size. And I think that's that's the art of being an entrepreneur is like, how do you turn as much of that top line revenue into bottom line profit? Start thinking like that, as opposed to thinking, How do I get more top line profit in the hope that becomes bottom line revenue? Because often, like you've experienced, it's probably not the case. And the growth clouds issues. It clouds systemic problems that you then find out later, and it's this false economy, which I think is like my biggest message, and something that needs to change.

KG SHORT STAY:

Yeah, no, absolutely. So now that we're on the bank account side of things, what do you think entrepreneurs I've talked about financial clarity. What do you think entrepreneurs need to question or look at or understand to know if they actually have financial. Clarity or not,

Unknown:

I think they probably know

KG SHORT STAY:

you just know. You're just not admitting it.

Unknown:

I think it's very rare I meet an entrepreneur finance with actual financial clarity, and sometimes they think they have because their tax accountant gives them the end of year returns and like, look, see, I know what my numbers are, whatever. But right? I think that, I think most people know, but I think the document or one report, I would say, like, if you've got, if you if you have this and you understand it, then it is the key to financial clarity, would be balance sheet. And I think like 97 98% entrepreneurs don't understand what balance sheet is. I think even fewer of those people, even more those people like, everyone has a balance sheet. By definition, most of those even more those people like, if they actually looked their balance sheet, they wouldn't understand what what was on their own balance sheet. And I think it's like probably the most important document, as I said, if you don't actively review a balance sheet, if you don't understand the balance sheet, and if you do review it, you do review it, you don't understand what's on your balance sheet, I'd say you can't have financial clarity. And the reason for that is because every there's basically a whole blueprint that we that we teach, about how you can make more money in your in your business. You've read my book, and if anyone's copied my book, reach out. I'll give you. I'll give you a signed copy free. So just reach out the there's three steps initially to get financial clarity. It will be your systems and software. I recommend everyone uses Xero. Just cut for it, like, don't waste time. Just just use zero. It's fantastic. Then we have the four professionals, which is basic team of people to actually run that that system for you. It's probably a bit lengthy to go into, into that now, but there's certain people in different roles that you pay the different prices to actually do this stuff for you, because no one wants to do it themselves. And then that output, which is the bit you should be reviewing. So whether you've got that stuff or not, the thing that you should be reviewing as an entrepreneur is the three pillars. And there's basically three statements you need to look at PNL, which is where everyone starts. That's your past performance. So what happened last month? So you understand what's happened last month, so you can influence future months. So you know it's like saying in investments, past performance does not mean future future results, but actually looking at past results in your business means you can influence future performance. Because if you look at stuff and go, right, we pay way too much on subscriptions. Why is that? Why is that revenue too low? You can start making decisions to influence future performance. Yeah, that's the start. The second place a lot of people like to go to is cash flow. So they go right, well, I understand how we're doing from a P L perspective, but now I need to understand I've cash because I'm starting to buy property, or we've got a client account, or I know, I know, HMRC 50 grand in six months. We need to start planning for that. So start going, Well, okay, what is our cash flow? I'm moving forward, and they do their best of that, and it's like, you know, fair pay for trying. It's great to have that and understand what your cash is looking like over a six to 12 month period. We'd always advise you have at least a 12 month cash flow forecast in your business. So this is the first few steps, and people naturally start to kind of try to do them themselves, because it's more comes from a kind of need. It's like, well, I need to know how we're performing. You know, what's my cash gonna look like in six months? I feel nervous. You know that out. But the third one that people don't do is your balance sheet. And why is this so important? Well, if you think about what balance sheet is, it's basically, there's another term for an accounting called statement of financial position. So basically, is a statement of your financial position. It's basically telling you where you're at now, like your present situation, like right now, but also it tells you what's going to happen in the future. So it's really important, because if you think what is actually an asset. So if you have an asset on your balance sheet, which could be age receivables, for example, which is basically maybe 100,000 pounds. That's telling you that right now you are, you've got an asset, you are physically owed 100,000 pounds into your business. Why is that important? Because that's already hit the P L in as income. There's not yet been received as cash your balance sheet saying it's stored there, because in the future, the cash is going to come in, which then informs your cash flow forecast. So if you have, if you don't have a balance sheet, you're trying to cash flow forecast, it's going to be wrong. If your balance sheet is wrong, your P L is going to be wrong. So this document in the middle is like one of the most important, important elements in in all of accounting. And we always teach people to move from bank balance to balance sheet. So your bank balance is great. Look at it now. Could be have 100,000 pounds in there. Look at it two hours. It could have 10,000 pounds in there. So it's not really a good indicator of what's going on, but your balance sheet has all of this there, because it's a basis, right? This is your bank balance. This is what money is due to you. This what money you need to pay out. And if you don't have a grip on that, then you can't ever manage your business financials effectively. And if it's wrong, that means if your P and L is wrong, or your cash flow forecasted, flow forecast is wrong, because it basically sits in the middle between those, between those two documents. So that's the one that I think people need to understand.

KG SHORT STAY:

Yeah, and I totally echo that. That's where I was. That's what I learned from you. And one of my big goals from for 2025 is to work off. Have the balance sheet in every single one of our companies. You know, I want to be asset managing essentially, and that's the only place that you can do it from, like in your life. You know that the past has already happened, the future hasn't happened yet, and the only way you can impact it is now, exactly, and that's what your balance sheet is, right? It's for how you impact everything.

Unknown:

Yeah, the problem comes, and I do kind of understand why people don't get it is because what I think the biggest, the biggest culprits for kind of messing this up for people is generally tax accountants. Because what tax accountants do is, at the end of the year, you'll get, you'll get a position, and they go, right, my profit is half minute grid, okay, okay, we want to spend that. HMRC, but actually we can make some adjustments with your direct loan account, your dividends, your working from home, allowance, your mileage, whatever it may be. So they make adjustments. But the way they do that is they may adjust your P and L, but they also put the counter side of those adjustments on your balance sheet. Now obviously, I don't wanna get into the technicalities of all of that, and why they do them, and how that works. And it does make actual sense for them to do that, but they they basically create numbers in one place, and they put it into a certain place, they can influence another place. And then what happens is they just sit there for years and years and years, and you get five years down the line, you go, what's this 200 grand adjustment for, I know, write ups? And you're like, I don't know. And you said, you finish your tax accountant, they don't have a record of it, and it's like, you've just got this weird stuff that's all over the place that they've just used to kind of move numbers around to get the answer they wanted. And like, that is the biggest challenge, right? So if you look at your balance sheet, and there's loads of lines in there, loads of numbers you don't understand. Like, it's not good enough. You need to say to your accountant, your finance manager, whoever it is, what is this? And you need to change the line next to it to say, loan from Jane Harvey, 6% payable in April 2025 like, don't be embarrassed to ask to literally change the line so that you actually understand them. My biggest top tip. And if there's any anything on there you don't understand you've got a problem. You need to, need to sort

KG SHORT STAY:

it absolutely okay. Cool. So my last question on the bank account before we sort of start wrapping things up, you built financial fortress and technically retired yourself at the age of 33 what was, what was the number one principle that that got you there. And what maybe tell everyone what a financial fortress means to you?

Unknown:

Yeah, so financial fortress is, is a term which has been used and created by property entrepreneur, which I'm a trainer for. And basically the whole concept here is, you build a certain level of Low risk, low return assets. And an asset will be something that's quite boring asset. So it could be a single let property, it could be gold, could be index funds, something that's quite low, low risk, low return. And basically you get to a place where that Bank of assets, the the net value of those assets, generates high enough return for you to basically replace your income if you wanted to. So, you know, quite open about it. My family needs 6000 pound a month to live a very comfortable life. You know, mortgage, holidays, spending, absolutely, I think that's about 72,000 pounds a year. So if I were to build a net wealth of a million quid and earn 7% on that million quid with Low risk, low return style assets, then I've completed my financial fortress, because it means that I don't and I no longer need money from my businesses to feed my family to live the lifestyle that we we want. And of course, everyone's widely different. You could need 200 grand a year. That's absolutely fine, but you might need to build, you know, two 3 million pound wealth with a return, like a return to get you that 200 grand year, whatever that may be, that may be for you. So that's the concept. And I manage this by time I was 33 I mean, like, how did I actually do that? It took me, like, 10 years or so to actually get there. I think the biggest piece of advice I would give to anybody is make money in business. But when you make money business, invest in property like or invest it into something, yeah, so I think, what did I do? Well, I got good at making money in the companies. I got good at making money through mentoring, through the businesses, through through property, for absolutely everything. And I basically for years and years and years, which isn't the sexy answer. I didn't really spend much of that money at all. I just used it to reinvest and build wealth over a period of time, and that's it, and that's the answer. Like, I can't make it more exciting than that. I think the only thing I did do, which is not for the faint hearted, is I'm quite impatient. So I didn't earn 100 grand and buy a property. I borrowed 100 grand, bought a property, and then paid 100 grand back over a couple years later. Like, do you know me? So I, I kind of, I never, I think the biggest thing like, and I was thinking about the Civil day in the shower, the biggest thing that doesn't like the shower bits relevant, but I think the biggest thing that I. I have done, which has got me further quicker, and I think you're the same, like most entrepreneurs I know that are successful, is we never see a lack of resources the problem. So I like I speak to people and say, Look, why don't you buy some houses? Why don't you buy this? I want you to do that. Won't you invest in this? And they go, oh, yeah, I don't have the money. So okay, find that really problem, like borrow the money, find the money. You know, get the money like you'll find the money. And I maybe naively, from the age of 25 to the age of 33 or however long it was, I never saw that was a problem. So I find a deal and go, right. I need to find 80 grand Now to do this deal, to put the deposit down do the reefer. And I never stopped me. So I just would find the money and I would do the deal. And then the back end I was, I wasn't like, well, I now need to pay the 80 grand back. We're like, Well, yeah, I do need to pay that back. So I took some money on the refinance or and I said to the investor, I'll pay you the money back, or you can keep it with me. I'll pay you the interest, and I just pay stuff back over years. So I had some investors, maybe five or six years, getting paid every month till I could eventually pay them back. And it's quite a painful process to kind of keep putting money paying all these people off. But eventually, you know, fast forward, you get a portfolio, which, you know, a nice, multi million pound portfolio, nice net wealth worth in there with nice return on it, which means that you can essentially retire and finish and not have to work anymore.

KG SHORT STAY:

Excellent, excellent. I think, you know, it sounds, sounds simple and boring, but that's, that's the point. Slow and steady wins the race, right? You know, if you build it, build it up, slowly, steadily, find the money. And I think, I think, was it Tony Robbins that said it's not your lack of resources, it's your lack of resourcefulness and and that's it, you know, if you find a good deal, you should be able to find the money from somewhere. That's what I've always lived by and, and actually, since I got over this, you know, spend, spend, spend, live, live the high life of 2021, 2022 when our business exploded, we actually tripled the amount of properties that we had over an 18 month period because actually thought, You know what, I've got start building my assets up now, because I need something to protect me. Because if shits gonna happen, I need, I need that, that that moat around my fortress, right?

Unknown:

Absolutely, yes, really. What's really interesting about that? Because mummy, you said, you spend, spend, spend, and then you put on a fair bit of weight. You kind of in your head. It's like, you're going to make all this money, and it's really exciting. You're going to start earning 10 grand a month, 20 grand a month, like, however much it's going to be. And you think, Wow, imagine what I could buy all that stuff. But it doesn't take long for you to kind of get out your system and realise that more meals out don't do the opposite. Yeah, it makes you feel crap, all these things you think you're going to spend money on. Eventually you kind of go, I don't actually want or need any of this stuff. You buy a nice car, whatever it is. Then you kind of get three months down the line, then you're like, not that bothered about this thing anymore? I think that's the biggest thing as well. Like when you're I think just keep your, keeping your costs that you spend personally at a level, which you spend on stuff that's important to you. Ram it Seth, he talks about your rich life like buy, spend loads of money on the things that matter to you, and don't spend much on the things that don't, but keep that, keeping that relatively stable and like a minimalist level, while she continues to grow and scale and get a business to a really great place, it's lucrative and high margins, I think that's what, what it's all about, and it's that that is the game I think that we should be playing.

KG SHORT STAY:

Yeah, no, definitely, definitely, okay, cool. So thank you for that. I've got some quick fire questions for you to wrap things up. What's your favourite book?

Unknown:

My favourite book is The Last Lecture by Randy push.

KG SHORT STAY:

Oh, okay. Why have you read it?

Unknown:

No. So well, if you read it, you know why it's basically the there's a concert in America called the last lecture, where they base it at university. People lecturers give their last lecture as if it was their last lecture. It's like, what gift do they want to lead to the world? And Randy is got cancer. He is an academic. He is going to die, and he makes the last six to 12 months of his life about this book, about him giving his actual last lecture and actually delivering the last lecture. I mean, there's just so much in there about life, about a lot of like philosophy. It's just an incredible, very sad story, because obviously he's dead now, but this whole book is about him leaving his gift to the world, and given that last lecture, I think it's an incredible book. I think everyone should read it.

KG SHORT STAY:

Awesome. Okay, well, I'll take that away 100% that leads me on to my next question quite nicely. To how do you want to be remembered?

Unknown:

Honestly, I don't know. I actually think about. Question. I don't know the answer. I I don't think I will be remembered. To be honest, I don't think many of us will be will be remembered. And I'm trying to get to a place where I'm thinking less about that and just thinking, How do I enjoy each day? How do I win each day, and just, how do I add as much value as I can to the people around me? So I mean, if I was remembered he'd probably be along the lines of just, you know, he gave everything and tried hard, and he he added a lot of value to a lot of people. That's really that's as simple as it is, because if I start thinking too big about that question, it gets me. I think it demotivates me, rather than motivates me. Being honest like that.

KG SHORT STAY:

Yeah, no, that's cool. Um, I mean, when I, when I think about this question, I think about the the three deaths that you, that you have, which is obviously when you're physical, when you when you leave the world, when the last person you know leaves the world and when the last time your name is spoken. And my ultimate goal is to delay that last one as long as possible. I love

Unknown:

it. I think I so I understand that goal, but I just think you're also like, I just feel like, if you fight, you're kind of fighting a battle,

KG SHORT STAY:

a losing battle. Yeah, yeah, you're not gonna be Jesus

Unknown:

when you said that. Like, what I mean, if I go very simplistic, like, like, what do I actually care about? I mean, all I really care about is that my kids had a good relationship with me, and I was good dad, and we had a great time, and they remember me fondly. I mean, that's all actually you give a shit about, to be honest with you, the rest of it is like, but I think, I think, how am I going to make that happen? Well, it's because I'm going to enjoy what I'm doing. I'm going to be pumped what I'm doing. I'm going to enjoy working, keep in good shape, spent, give them the time that they need. And I think that's all I've really got at this point. I think that I love what you said, By the way, like about that, that length of time where people keep speaking your name. I just don't know. Maybe I'm maybe I'm under ambitious, but I just also know that I'm also good at starting to worry about things that probably I was into a podcast, literally this morning of Alex hormones, and if you heard the new ones come out of Chris Williamson, oh, no, I haven't. Oh, it's fantastic. He was just basically saying, like, he could be a lion's lunch, like he can literally be eaten by a lion, and he would just be someone's meal, and that would be it. That would be the end of his life. Yeah, nice. Think about that. It's like sometimes I think trying to get too caught up in that stuff. I just, for me personally, I think it's it gets a bit much. And I wish I could give you this really stoic everyone's

KG SHORT STAY:

individual, aren't they? So yeah, exactly, yeah, all good. That's fine. So if you could leave our listeners with one thing today, what would it be?

Unknown:

I think the biggest thing I'd leave your listeners with today would be, assume you're an entrepreneur, which is what this is all about. Start a company, enjoy that company, grow a great team, get it to a sweet spot, and just enjoy every moment of getting it there, because it's hard to do. You will get them in the end if you stick with it long enough. But just be really clear what the successful business looks like for you, like, remove your ego, like, what actually would be a great business for you, and that could be half a million quid, only 40% margins, you know, that could be a life changing sum of money for you. And you could sit there and you could be enjoying that business forever. It could free you up to do everything that you want to do. I think, just tuning into the whole ethos of like, we give up what we want to get what we want. So we want free time, so we give all of our free time to get free time. But actually, it's this false. We actually never actually achieve it. I just think, for me, it's all about small business, big profit really created this amazing lifestyle business, amazing team, something you can be really proud of. But don't let growth and your ego destroy the life you could have by just stopping at some point and just enjoying the fruits of your labour. That'd be my biggest sentiment.

KG SHORT STAY:

Oh, brilliant. I think egos and ego is a massive point. Like, what actually are you doing it for? And how much is enough? Exactly, you know, and

Unknown:

it's not easy. I get caught up in I can say this on the podcast, but I definitely get caught up in the it all as I'm as I'm progressing and moving it forward. But all I can say is that feeling when you finally get business to where it's working well, it just doesn't require you the team start taking it over, and they start adding more value than you were doing when you were trying to do the whole thing. You thought you could do it the best, and your clients speaking to you, and they start speaking to your team, and it just works. That feeling is amazing. But I think as entrepreneurs, we naturally our go to it when we get to that point is, oh, right, we could double in size. And, you know, and then imagine I can make double the money. And still have this incredible business. It's just not the way it works. Unfortunately, yeah, the hardest thing is to stop and just do be happy with what you've got and enjoy it for a bit.

KG SHORT STAY:

Awesome. Love it. So last one, what's one habit that you wish you'd adopted earlier that transformed your life,

Unknown:

doing what I said I was going to do? I think this, without a doubt, is excellent, a trait of very few, particularly as, I think, general humans, but particularly as entrepreneurs. And I think when I started taking my word very seriously, and I started saying, right, I'll get you to that. I'll get you that by Wednesday, and then I would move, move heaven enough to make sure that thing happened by Wednesday, or I'll send you that by Friday, or I'll, yeah, no, no worries. I said I'll be at the gym at seven o'clock tomorrow. And so be at the gym, it adds two things to your life. One is a confidence that if you say you're going to do something, you'll actually do it. And that is like we were talking about earlier. You know, if you say you're going to work out Wednesday, you work out on Wednesday. That's confidence that you can't shift. Because if you say you're going to write a book, you know you're going to write a book. So one is that confidence, which I think is in value and absolute game changer. But the second is you also get very thoughtful and strategic about what you actually say you're going to do, and we you don't over commit to things, which I think is just as important as actually being able to do what you said you're going to do. Because imagine if everybody could live in a world where they were very clear about what they said they were going to do, and if they said they were going to do it, they 100% achieved it. I think that is like a habit that's not easy to achieve, and I'm I'm always working on it. By the way, I'm still not perfect to this, but I'm about 1000 times better at it. But that habit of, like, I guess, what's the actual habit? It's like, when you say you're going to do something, you you do it, you you make sure that happens. And I think that's like, something that I picked up over the years, which has been phenomenal. And it's like, without a doubt, changed my personal, professional life in so many ways over the last few years, while we've while I put it in place.

KG SHORT STAY:

Yeah, I think also, you know, it's just it builds, like you said, it builds that confidence. But when you do the things that you say you're going to do consistently, it also builds competence as well. So you get better at those things, and then it just, it's a snowball effect, you know, if it can work one way or it can work the other, if you never do what you say you're going to do, it's a downward spiral. If you always do what you say you're going to do, it's an upward

Unknown:

spiral. Yeah, exactly. Yeah, you've nailed that.

KG SHORT STAY:

But, yeah, brilliant. Love it. So do what you say you're going to do. So just to finish things off, then, where can people connect with you? Grab your book or start working with Ultimate. FD, well,

Unknown:

if you want to connect with me, you can find me on social media. You got Josh Keegan on Facebook, or you got the underscore, ultimate underscore. FD, on Instagram. But if you go onto Instagram and follow me, the underscore, ultimate underscore, FD and just DM me, book or book, free book, or grants book, or whatever you want. Just basically spell the word book will request. My team will probably jump on they'll request your address, and then we'll send you a free signed copy of my book. And you can get that that no problem at all. And you can enjoy that to give to your to your listeners, and then just check out the website or check out the podcast, ultimate fd.co.uk, for all of our podcasts, or go on the website and learn about what we do. No pressure either way. I just hope i've added value to you guys. But the I know the book had an impact on new grant and it helped you, so I'd say worst case. Get a copy of that and have a read and see what, see what you think Excellent.

KG SHORT STAY:

Well, all that stuff will be in the description. So if you didn't quite catch that, just go to the description on the show and you'll be able to connect with Josh, no problem, but that's it. Thank you very much for joining us, Josh. It's been a great conversation, and yeah, I look forward to seeing you soon.

Unknown:

I loved it. Thank you very much. Guys. Take care.

KG SHORT STAY:

Bye. If this episode resonated with you, share it with someone who needs to hear it. You are a carnivore entrepreneur. Live life how it was supposed to be lived on your terms with strength, energy and purpose. I'll see you on the next episode. You.