Alright – so today we’ve got the honor of introducing you to Sarah Brill. We think you’ll enjoy our conversation, we’ve shared it below.

Hi Sarah, thanks for joining us today. One of the most important things small businesses can do, in our view, is to serve underserved communities that are ignored by giant corporations who often are just creating mass-market, one-size-fits-all solutions. Talk to us about how you serve an underserved community.

According to business insider research, the average debt an American owes is $104,215 across mortgage loans, home equity lines of credit, auto loans, credit card debt, student loan debt, and other debts like personal loans. Of that, $6,501 is credit card debt and $23,792 on car loans. Millennials and Gen Xers have the largest amount of debt and this trend is mirrored across the world, in the UK the average credit card debt is £1,308 (mind charity, Jan 2024).

Financial education in schools has only become prevalent (in the UK at least) since 2014 when it was first introduced into the school curriculum.
Historically, when students started university there was no guidance on how to effectively manage their student loan or how to prioritise their first paycheck. As a consequence, the vast majority of people took on debt without understanding the long-term impact, and have not been taught or have access to adequate financial education.

Financial advisors have been around for decades, but today they typically will only work with people who have more than £100,000 in savings. On the other end of the spectrum, debt advice is only available for those who have left it too late. So adequate support is limited to the the majority of society.

This has led to the all too common feelings of stress, anxiety, fear and overwhelm when it comes to managing finances. The need to work harder is causing many people to become overworked, underpaid and burnout.

That combined with changing consumer patterns driving lifestyle inflation has meant people are constantly waking up living paycheck to paycheck with the feeling that what they have is ‘not enough’. Once ingrained, that scarcity mindset can be cripling causing many people self-sabotage with money. With the right tools and guidance breaking through and achieving your money goals is possible, you just need to get out your own way.

I get it, that used to be me. Until I figured out the secret energy of money and how multimillionaires manage their money to create compounding wealth. I used my own personal breakthrough to create a budgeting toolkit that helps people convert their bank balance into financial freedom in a sustainable, aligned, and easy-to-use framework.

Sarah, love having you share your insights with us. Before we ask you more questions, maybe you can take a moment to introduce yourself to our readers who might have missed our earlier conversations?

I’m Sarah Brill, a dedicated Money Mindset Mentor and Independent Financial Coach, renowned for my expertise in guiding high achievers to break free from the cycle of living paycheck to paycheck. Over the past six years, I have successfully coached over 750 clients, each benefiting from my wealth of knowledge and passion.

I have lived abroad for over 10 years as an expat, and in my longest stint working in Dubai, I burnt out from a corporate job which looked like me fainting on an aeroplane on a business trip to Egypt. I promised myself I would never compromise my mental health for a job ever again. I ended up getting fired from that job, and booked a one-way ticket to Myanmar where I ended up travelling and working as a dive master in Thailand for the best part of 3 years.

With this newfound sense of freedom, fun and adventure, I knew there had to be a way to empower others to live their best, abundant, life. I returned to the UK where I retrained as a Independent Financial Coach and Accredited Transformative Coach with the unwavering mission to empower individuals to feel good about their relationship with money, equipping them with the skills to effectively make, manage, and multiply their finances with confidence and ease, ultimately leading to a life of financial abundance and freedom.

I designed programmes providing accessible financial tools and financial education and offer 1:1 coaching support, to show people that creating a rich life is within their grasp. Regardless of anyones current situation, I help people take complete control over their financial future.

Some of my client wins include saving for their first property, repaying their debts early and in full, starting investing in the stock market, increasing their income, negotiating payrises, retiring early, supporting their children comfortably and improving their relationships by having open and honest conversations about money.

Can you open up about how you funded your business?

Having helped 100’s of entrepreneurs start their side hustle, transition to full time self employment and scale to 7-figures, one thing is clear; people vastly underestimate is how much investment starting a business takes.

When I started my business I had hit rock bottom. Being fired from my job had shattered my self-confidence and my self-worth. Luckily, I practice what I preach, and I had 12 months emergency fund saved up in an easy access account. Financial independence is one of my core values, and being a single property owner just outside London, this is probably more than most, but for me having this financial security blanket was a blessing in disguise; you can’t put a price on financial peace of mind! I set aside half to pay my mortgage and bills and the other half I reinvested back into my business.

The first year was slow, but by the second year things started to pick up, I started getting calls from corporate companies inviting me to speak, press releases to share my expertise, and client requests for 1:1 coaching, In a short period of time, I was able to fund my lifestyle which allowed me more headspace to start scaling.

People vastly overestimate what they can achieve in the short term, but underestimate what they can do in the long term. Which is why creating not just a business plan, but also a financial plan can do wonders for not just your self-worth but also your net-worth.

Does your business have multiple or supplementary revenue streams (like a ATM machine at a barbershop, etc)?

Yes, I offer digital products through my stan.store on all my social media platforms and through my website. I created a digital product that provides the ultimate toolkit to help people ‘budget your way to 100k™’ for just £27! I also offer visualisations and financial coaching tools as digital products to help people increase their income and feel good about their finances!

Digital products have revolutionised my business. Whilst I love coaching 1:1 my availability is limited, so by providing digital products I have been able to reach more people who might not otherwise have the time or be able to afford to work with me.

I want financial freedom to be accessible to everyone, you shouldn’t need to have £100,000 already saved to start investing. There are so many opportunities out there to start energising money people just need to know how to get started.

Contact Info:

• Website: https://www.sarahbrillcoaching.co.uk
• Instagram: https://www.instagram.com/sarahbrillcoaching/
• Linkedin: https://www.linkedin.com/in/sarahbrill1/