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The Start Out Savvy Podcast
Kirsten Russell
65 episodes
3 days ago
No fluff. No boring accountant talk (well maybe just a wee bit...) Just straight-up business and money chats for women who are sick of working hard, earning good money on paper , but never actually seeing it in their bank account. Hosted by accountant + money mentor Kirsten Russell, The Start Out Savvy Podcast helps service-based business owners fix their cash flow leaks, price with confidence, and finally pay themselves what they're worth. It's the mix of real talk, practical tips (that won't make your eyes glaze over!) and cheeky accountability you need to stop surviving and start thriving.
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Entrepreneurship
Business
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All content for The Start Out Savvy Podcast is the property of Kirsten Russell and is served directly from their servers with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.
No fluff. No boring accountant talk (well maybe just a wee bit...) Just straight-up business and money chats for women who are sick of working hard, earning good money on paper , but never actually seeing it in their bank account. Hosted by accountant + money mentor Kirsten Russell, The Start Out Savvy Podcast helps service-based business owners fix their cash flow leaks, price with confidence, and finally pay themselves what they're worth. It's the mix of real talk, practical tips (that won't make your eyes glaze over!) and cheeky accountability you need to stop surviving and start thriving.
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Entrepreneurship
Business
Episodes (20/65)
The Start Out Savvy Podcast
Ep. 66 Good Morning From Vietnam

In this episode, I’m coming to you from Vietnam, where I’ve been living for the past six weeks.

I’m sharing what life has really been like here — the daily rhythm, the cultural shifts, and how this new chapter compares to life back in New Zealand.

One of the biggest surprises? Tune in to find out.

Kirsten


Come follow the travel IG account here

Need a new accountant? Then stalk us here

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4 months ago
15 minutes 39 seconds

The Start Out Savvy Podcast
Ep. 65 What I've NOT Been Doing In My Business and What Happened Instead

In this week's episode, Kirsten is sharing what she hasn't been doing in business (she's been naughty!) and what has happened instead.

Maybe this will inspire you to do the same


A bit of a BTS episode today, all the way from Vietnam


Kirsten

Don't forget to come follow us on IG⁠ here⁠

Want to check out Ivorey (literally THE best all -in-one platform? Take a look ⁠here



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4 months ago
11 minutes 20 seconds

The Start Out Savvy Podcast
Ep. 64 Boundaries are Hard. Burnout is Harder

Ever felt guilty for saying no?

Or caught yourself bending over backwards for a client who barely pays on time?

Or dropped your prices before sending an invoice?

In this episode, we’re diving deep into the uncomfortable truth: setting boundaries is hard—but not having them?

That’s a fast track to burnout, stress, and clients who treat your business like a buffet and come and go as they please.

I’m sharing what really happens when you avoid boundaries in business (hint: it’s not cute), why people-pleasing is costing you money, and how to start backing yourself like the powerhouse you are.

Whether it’s pricing, time, energy, or expectations—this one’s your wake-up call.

If you’re ready to stop over giving and start owning your value, this episode is for you.


Kirsten


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5 months ago
17 minutes 3 seconds

The Start Out Savvy Podcast
Ep. 63 Props & Pitfalls of Using AI in Business

AI is EVERYWHERE right now.

Getting bigger and louder by the day it seems.

In this episode Kirsten is sharing her props and pitfalls and things to watch for when it comes to using AI (or not!) in business.

Packed full of tips you won't want to miss this one


Kirsten

We hang out on Instagram ⁠here⁠, don't forget to come follow us.

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5 months ago
17 minutes 44 seconds

The Start Out Savvy Podcast
Ep. 62 BTS of How Money Flows in My Biz

Who doesn't love a bit of a BTS peak into how people run their businesses?

This week, Kirsten is breaking down how the money flows in her business.

From invoicing, bank account set up, expenses and more!

A must listen episode if you are a service based business and want to know some simple and sweet changes you can make in your business to blow it all the way up.


Kirsten


Don't forget to come follow us on IG here


Want to check out Ivorey? Take a look here

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5 months ago
20 minutes 2 seconds

The Start Out Savvy Podcast
Ep. 61 Cut The Crap and Bust Through the BS - Social Media in 2025 with Sarah Lilly

In this no-fluff, no BS episode, we cut through the crap, ditch outdated advice, and spill the tea on what actually works when it comes to growing a service-based business on Instagram — even if you’ve only got 2 hours a week, hate dancing, or never touch trending audio

Whether you’re stuck in a content rut, are super confused when it comes to your socials or just want a smarter way to show up, this episode is your Instagram reset button.

In this episode, we cover:

  • The Instagram “strategies” you can skip entirely in 2025

  • What types of content waste your time (and what’s actually worth it)

  • How to make the most of 2 hours a week on the ‘gram

  • Reels, carousels, static posts — which to use, when, and why

  • How to use Stories, Posts & Reels strategically — not just randomly

  • Can you grow without dancing or using trending audio? (Spoiler: YES)

  • What “growth” really means for small businesses on Instagram

  • Can educational content alone grow your account?

  • How to batch and plan content without making it your second job

  • What you actually need to know about the algorithm in 2025

  • How to boost engagement without cheesy caption questions

  • The truth about replying to every comment and DM

  • Building a community vibe without living online

  • If we were starting from scratch, here’s what we’d do differently

  • The most underrated Instagram feature nobody’s talking about

This episode is perfect for: service-based biz owners,, and anyone ready to show up with purpose (not pressure) and do it in an authentic way.


Hope you enjoy!


Kirsten


You can find Sarah here:

Instagram

Website

Elevated Ambition Podcast

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5 months ago
51 minutes 31 seconds

The Start Out Savvy Podcast
Ep. 60 What It Really Costs Us to Move to Southeast Asia for Winter (And How We Make It Happen)

Ever dreamt of ditching the cold and running your biz from a sun-soaked beach in Southeast Asia?

In this behind-the-scenes episode, I’m sharing the real numbers, the planning process, and the mindset shifts that make our winter escape from New Zealand not just a fantasy — but a smart, intentional move that happens EVERY year

I break down:

  • The actual costs — flights, accommodation, visas, and all the little extras

  • How we plan our trips from year to year

Whether you’re after a mini escape, a future relocation, or just want the inspo to make bold lifestyle moves to kickstart your Rich Life Era — this one’s for you.

Press play and start mapping out your own version of freedom and using your business to do it


Useful links:

Sky Scanner

Wise - Travel Account

Agoda


If you have any questions or want help planning your own winter relocation, flick me a DM on Instagram, its where I hang out.

Follow us here

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6 months ago
25 minutes 21 seconds

The Start Out Savvy Podcast
Ep. 59 My Own Personal Money System Shared

In this episode, Kirsten is sharing her own personal money system she has in place which works with her spender money personality not against it.

You'll find out where the money goes and where you can start to do the same.

I hope you find inspiration in this episode to build a system of your own


Kirsten


Don't forget to come follow us on Instagram ⁠here

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6 months ago
22 minutes 26 seconds

The Start Out Savvy Podcast
Ep. 58 Service Based Businesses - I'm Talking to You!

This is a episode for all you service based businesses out there!

We are talking money mindset (eg thoughts, actions and habits!)

How what you think, feel and do when it comes to money is impacting your business and ultimately your ability to live your Rich Life Era.

And afterall, isn't that what we are here for?

Hit play and join Kirsten for another episode where she drops her money making magic tips!


Don't forget to come follow us on Instagram here

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6 months ago
21 minutes 51 seconds

The Start Out Savvy Podcast
Ep. 56 Stop Doing $10 Tasks in Your $1,000 Business

Ever catch yourself at 11 PM still answering emails thinking 'there has to be a better way'? Well, spoiler alert - there is!

Today Kirsten is diving into how to make AI your business bestie without losing your human touch. Because let's be honest, you didn't start your business to become a full-time email manage

Find out where you are spending your time with our free Rich Life Audit Checklist here

The AI tools we are currently using:

Fyxer AI - for email automation

Sintra AI - for help with content and streamlining processes - use our referral code VBGD8 to get one additional month free.


Don't forget to come follow us on Instagram too - you'll find us here

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6 months ago
25 minutes 24 seconds

The Start Out Savvy Podcast
Ep. 55 Enough! This Really Grinds My Gears

Want to know what really grinds Kirsten's gears?

Its something that when you become aware of it, you really can't unsee and it will change the trajectory of your business.

Hit play and lets go!


Kirsten

Don't forget to come and follow us on Instagram ⁠here⁠, it's where we share all the tea.

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6 months ago
18 minutes 58 seconds

The Start Out Savvy Podcast
Ep. 54 I Need More Sales & Clients—Now What?

This is one of the most common questions I get: “I need more clients and sales—how do I make that happen?”

The good news?

There are simple, proven strategies to bring in more business—without feeling like you have to shout into the void or hustle 24/7.

Find out what they are and what you can do in this weeks episode.

Don't forget to share this episode with a friend, hit the follow button or even better I would LOVE it if you could share this on your social media


Kirsten


Don't forget to come and follow us on Instagram here, it's where we share all the tea.

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7 months ago
24 minutes 54 seconds

The Start Out Savvy Podcast
Ep. 53 New Year, New Biz? Or… What If You Did This Instead?

Happy New Year!!

What is she on about I hear you say...

It's the start of a new financial year here in New Zealand, so before you go and burn it all to the ground, do a 360 pivot or launch something new, Kirsten is sharing a simple process to find out what actually worked last year, what didn't and what to focus on this year.

Before you start chasing new goals, let’s get clear on what actually worked last year—so you can build a smarter, more profitable business this financial year

Grab a pen and paper, put your headphones in and lets make this New Year the best yet.


Kirsten


Don't forget to come follow us on Instagram here, it's where we hang out the most

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7 months ago
25 minutes 55 seconds

The Start Out Savvy Podcast
Ep. 52 Sales, Revenue & Income: What’s the Difference and Why It Matters

OMG thank you so much for hitting play on this episode!

You rock!

This week, Kirsten is breaking down the difference between sales, revenue & income.

Not all money coming in is created equal—let’s break down sales, revenue, and income so you can truly understand your business money, the flow and of course some simple tips on how to start to interpret your own numbers.


Don't forget to come follow us on Instagram here, its where you get BTS chats, tips and more!


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7 months ago
16 minutes 38 seconds

The Start Out Savvy Podcast
Ep. 51 A Bit Of a Personal Share....

In today's episode, Kirsten is sharing how she lost herself in 2024.

Spent a year in uncertainty and lost confidence.

A personal share this week, but sharing in case you are the one who needs to hear this message.


Kirsten

Don't forget to come follow us on Instagram ⁠here⁠ , its where I hang out the most

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8 months ago
17 minutes 17 seconds

The Start Out Savvy Podcast
Ep. 50 Drawings vs. Salary: How to Pay Yourself the Right Way

Unlock the secrets to smart money management by choosing the right payout strategy for your businessIn this episode, Kirsten will dive into two common ways business owners extract money from their companies: taking drawings versus paying yourself a salary.

We will cover what each method means, the financial and tax implications, and the mindset behind the decision. Whether you’re a solopreneur or running a small business, this episode will help you understand which approach is best for your business right now, in the future and to choose one that is in line with your personal financial goals.


Kirsten

Don't forget to come follow us on Instagram ⁠here⁠ , its where I hang out the most

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8 months ago
22 minutes 51 seconds

The Start Out Savvy Podcast
Ep. 49 Business Growth: More Than Just Bigger Numbers!

So you want to grow your business?

This week, Kirsten breaks down how to get super clear on what growth is to you and your business and how you can make it happen.

But, make sure you are prepared to do this one thing....

Hit play to find out more!


Kirsten

Don't forget to come follow us on Instagram ⁠here⁠

Or if you want support to nail your financial goals this year, book a free chat⁠ here

Show more...
8 months ago
19 minutes 27 seconds

The Start Out Savvy Podcast
Ep. 48 Why Branding Is So Important With Sarah from Sarah Lilly Media

Today Kirsten sits down with Sarah from Sarah Lilly Media.

Sarah is an EXPERT when it comes to branding - and we aren't talking just logos, colours and fonts!

Oh no, there is a lot more to it than that.

Sarah shared all the tea on branding, social media and how she runs her business whilst also being a Mum to her 6 year old son.

There are so many gold nuggets in here you don NOT want to miss!


You can connect with Sarahhere on Instagram

Or go see what she has to offer on her websitehere

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8 months ago
50 minutes 25 seconds

The Start Out Savvy Podcast
Ep. 47 My EXACT Annual Money Process

In this episode, Kirsten takes you through her annual money process.

She shares how she sets her personal financial goals, then makes a plan to achieve them using her business as the vehile to get her there.

Have a pen and paper handy, or maybe open a spreadsheet and let's get your goals nailed so that you can roll into December having ACHIEVED them


Don't forget to come follow us on Instagram here

Or if you want support to nail your financial goals this year, book a free chat here

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9 months ago
16 minutes 16 seconds

The Start Out Savvy Podcast
Ep. 46 It's Time...Lighten Up When It Comes To Money

Today, Kirsten explores how to take a more relaxed, playful approach to money instead of letting it weigh you down.

When you know how to shift from seeing money as a constant source of stress to viewing it as a space for creativity, curiosity, and small celebrations, you free yourself to make better decisions—both in business and in life.

If you’re ready to ditch the heavy vibes and start having fun with your finances, tune in for practical tips and mindset shifts you can implement right away.

Kirsten


Don't forget to come follow us on Instagram here , its where I hang out the most


Show more...
9 months ago
18 minutes 42 seconds

The Start Out Savvy Podcast
No fluff. No boring accountant talk (well maybe just a wee bit...) Just straight-up business and money chats for women who are sick of working hard, earning good money on paper , but never actually seeing it in their bank account. Hosted by accountant + money mentor Kirsten Russell, The Start Out Savvy Podcast helps service-based business owners fix their cash flow leaks, price with confidence, and finally pay themselves what they're worth. It's the mix of real talk, practical tips (that won't make your eyes glaze over!) and cheeky accountability you need to stop surviving and start thriving.