"Everybody has their own personal economy that may or may not have anything to do with the economy at large."

- Penelope Jane Smith

Welcome back to a new episode of the Cash Flow CFO Podcast! Today’s conversation is with Penelope Jane Smith, the premier financial freedom mentor for women entrepreneurs and the go-to expert for some of the biggest names in the conscious business industry. She is an acclaimed international speaker and certified trainer with over 20 years of teaching experience, the author of the Little Book of Prosperity, and the creator of Prosperity Coin, the world’s first cryptocurrency designed to support financial freedom for women entrepreneurs. Her unique magic is supporting women entrepreneurs to become financially free in 5 years or less with $10,000+ per month in passive income so they don’t have to depend on their business, a job, a partner, the government, or anyone else for money.

Join us to learn the whole story!

"You want to have a big enough golden goose that you can live off the golden eggs and you never want to kill your goose."

- Penelope Jane Smith

The Secret to Financial Freedom

Penelope shared that the secret to being financially free is simple. You just need to have more money coming in from your investments each month than you spend. She calls this "passive income." It's like having a money tree that gives you fruit every month to pay for all your bills and fun stuff. You don't need millions of dollars to start. You just need to know your goal and you can get there in five years or less.

A Simple Three-Step Plan

So, how do you get there? Penelope explained her three simple steps. First, you have to dream about the life you want to live. How much money would you need each month to live that happy life? That number is your goal. Second, you start buying things that make you money, which she calls "assets." Think of this as getting your own "golden goose" that will lay golden eggs for you. Even starting with a small amount of money helps it grow over time because your money starts working for you.

Create Your Own Money-Making Ideas

What if buying assets isn't enough to reach your goal? The third step is to create your own assets. This is where you can use your ideas and your time to make money that comes in on its own. For example, you could create an online course or build a business that you can sell later. Penelope shared a cool story about a friend who licensed a pet product idea and now makes money every month without doing any more work. It's all about getting your money to work harder for you than you work for it.

Make Your Money Work For You

Penelope made it really clear how your investments turn into money you can spend. You don't have to just wait for a check. You can sell a small piece of your investments each year. She called this living off the "golden eggs" without hurting your "golden goose."

"All of this is about making decisions from a place of freedom and joy and what lights you up and makes you feel alive versus making decisions from a place of debt and obligation."

- Penelope Jane Smith

Want to get in touch with Andrea Jenson?

Website: https://thecashflowcfo.com/

Podcast: https://pod.co/the-cash-flow-cfo-podcast

LinkedIn: https://www.linkedin.com/company/the-cash-flow-cfo/

Facebook: https://www.facebook.com/thecashflowcfo/

Instagram: https://www.instagram.com/cashflowcfo/

YouTube: https://www.youtube.com/channel/UC0kQopRCt9TEbgYjmqA4SMQ

Want to get in touch with Penelope Jane Smith?

YouTube: https://www.youtube.com/@PenelopeJaneSmith360

Download your free copy of The Financial Freedom Formula eBook, where you’ll discover exactly what it will take for you to become financially free, the two types of passive income, and how to get more of each!

Website: https://realprosperity.isrefer.com/go/FFF/anje24/

“Too many entrepreneurs make decisions based off of gut, not based off of scalable frameworks and ROI.”

- Bryce Keffeler

Welcome back to a new episode of the Cash Flow CFO Podcast! In this episode, I sit down with Bryce Keffeler, managing partner at Dew Wealth. Bryce helps business owners grow and protect their money using a unique model called a "fractional family office." It’s like having your own team of top financial experts—just like billionaires do—but without needing hundreds of millions of dollars! We talk about how this setup helps entrepreneurs save time, avoid mistakes, and make smarter choices with their wealth.

Join us to learn the whole story!

“A lot of entrepreneurs don’t want to be sitting in the middle of that wheel managing all these professionals. They just want the outcomes that come with a well-oiled machine.”

- Bryce Keffeler

Build a Team That Works for You

In this episode, I’m diving into how business owners can make smarter money moves that protect their time, energy, and future. We’re talking about how to build a team around you that works together to support your goals—just like billionaires do, but without needing billionaire dollars. If you’ve ever felt overwhelmed trying to manage your finances, this episode will help you see a new way forward.

Profit Over Revenue

We also chat about how important it is to focus on profit—not just sales. I’ve seen business owners chase big revenue numbers but still feel broke at the end of the day. We break down why watching your costs and knowing your numbers—like how much it takes to get a new customer—is key to running a healthy, growing business. It’s not about doing more, it’s about doing better.

From Income to Wealth

There’s a great conversation about growing up in entrepreneurial families and how that shapes the way we see business and money. We talk about what it means to go from earning income to building real wealth—and how your business is a powerful tool to make that happen when you treat it like an asset, not just a job.

Protect What You’re Building

We also get into ways to protect what you’ve built. From insurance to legal structure to where you keep your cash, we share simple steps that can make a big difference. If you’re ready to stop playing defense and start planning ahead, this episode will give you the tools and confidence to move forward.

“You start your journey and it’s all about income… but as a successful entrepreneur, you need to shift your mind frame from focusing on income to equity.”

- Bryce Keffeler

Want to get in touch with Andrea Jenson?

Website: https://thecashflowcfo.com/

Podcast: https://pod.co/the-cash-flow-cfo-podcast

LinkedIn: https://www.linkedin.com/company/the-cash-flow-cfo/

Facebook: https://www.facebook.com/thecashflowcfo/

Instagram: https://www.instagram.com/cashflowcfo/

YouTube: https://www.youtube.com/channel/UC0kQopRCt9TEbgYjmqA4SMQ

Want to get in touch with Bryce Keffeler?

Website: https://www.dewwealth.com/

"The only smart marketer is the consumer. They're going to tell us what they need."

- Jennifer Orechwa

Welcome back to a new episode of the Cash Flow CFO Podcast! Jennifer Orechwa is a seasoned entrepreneur and marketing expert with over 20 years of experience in the business world. She is the founder of Salt Marketing, a firm specializing in organic content-based marketing for industries like health and wellness, as well as financial services. Before launching Salt Marketing, Jennifer sold her previous company to a larger firm, where she reinvested in their growth while continuing to lead their marketing efforts. Passionate about helping businesses grow sustainably, Jennifer shares valuable insights on acquisitions, reinvestment strategies, and the power of building content assets to ensure long-term success.

Join us to learn the whole story!

"Marketing is iteration. You do something, you learn from it, and then you improve."

- Jennifer Orechwa

Preparing Your Business for Sale

This episode is all about preparing your business for sale. I sat down with Jennifer Orechwa, an expert who specializes in helping business owners like you get ready for a successful exit. Whether you’re thinking about selling now or just want to be prepared for the future, this conversation has some valuable insights.

Building a Strong Foundation

Jennifer shared how it’s not just about selling. It’s about building a strong team, keeping things running smoothly, and making sure your business can work without you. She gave great tips on how to get ready early, even if you're not thinking about selling yet.

Marketing and Selling Your Business

We also talked about how marketing changes when you want to sell. Jennifer explained how your team and brand need to stay strong so buyers see the real value. It’s all about showing your business is ready to keep growing.

Smart Ideas for Business Owners

Our conversation is full of smart ideas and simple steps you can start now. If you’ve ever thought about selling your business or just want to make it better, this episode is for you.

"Your marketing is working if your revenue is increasing."

- Jennifer Orechwa

Want to get in touch with Andrea Jenson?

Website: https://thecashflowcfo.com/

Podcast: https://pod.co/the-cash-flow-cfo-podcast

LinkedIn: https://www.linkedin.com/company/the-cash-flow-cfo/

Facebook: https://www.facebook.com/thecashflowcfo/

Instagram: https://www.instagram.com/cashflowcfo/

YouTube: https://www.youtube.com/channel/UC0kQopRCt9TEbgYjmqA4SMQ

Want to get in touch with Jennifer Orechwa?

Website: saltmarketing.co

Email: jennifer@saltmarketing.co