Creator Money Playbooks

Creator Money Playbooks is the go-to newsletter for creators and solopreneurs who want to learn more about money and grow faster with money systems.

I'm a full-time financial coach and I help creators and solopreneurs transform their finances. It’s rewarding work—I'm not just changing my clients’ lives but often their families’ futures, too.

But there’s a problem, my time is limited.

There are only so many:

→ Calls I can jump on
→ Clients I can take
→ Hours in a day

Within a year of coaching, I was maxed out. 

The upside? I’m doing work that resonates and my business runs on referrals. 
The downside? I can only work with a select few.

That’s why I built Creator Money Playbooks—to scale my coaching lessons and frameworks with thousands.

If you want to learn more about money and scale faster as a creator or solopreneur: 

GO HERE → creatormoney.substack.com

Financial Writer

FINWORKS

I’ve been a solopreneur for over a decade. 

My first five years were amazing—I was earning more than ever, traveling the world, and enjoying the freedom I’d built. Then COVID hit in 2020, and everything stopped—except my bills.

I’d always been good with money, but COVID exposed some holes in my finances.

As I faced the possibility of eviction, I got serious about my finances. 

I needed a system that could:

→ Manage irregular income
→ Pay off debt quickly
→ Scale my business efficiently
→ Build a strong emergency fund
→ Balance personal and business finances
→ Provide peace of mind and financial freedom

The following year, I’d made more than ever before and paid off $64,389 in debt in just one year.

Friends noticed and started asking for help, and soon, their friends did too. After some hesitation, I embraced this role and officially launched my financial coaching business, helping others achieve the same financial freedom.

Financial Coach for Creators and Solopreneurs

Self Employed

The taste of freedom made me unemployable.

My goal in life is freedom, and to me, that means working for myself.

I measure success by how many days I can wake up with the option to do whatever I want.

My first business? 

Selling candy in high school, where I was earning $300 a day at my peak. 

From that point I was hooked. I had the taste of money and freedom.

I used that money to buy my first car and launch my first "official" business at 18: 

Liberty at Dawn (custom denim).

After denim, I started a photography business. 

Times weren’t always smooth, and I took on gigs like dog sitting and Uber to fill in the gaps. But that didn’t matter—as long as I controlled my time.

There’s nothing wrong with working a job; in fact, it’s often simpler:

→ The pay is steady
→ Investments are set up for you
→ You focus on one role most of the time

Solopreneurship, though, is the complete opposite.

I’m okay with that because, for most of my life, I’ve been free to do:

→ Whatever I want
→ Whenever I want
→ However I want

To me, that freedom trumps any employee benefit package.

Financial Coach for Creators | Helping you earn more, stress less, and build freedom through your work.

I help creators build financial systems where creativity, money, business, and lifestyle work together.

Most creators focus on their craft and ignore the business side. When money gets chaotic and burnout hits, they're forced to quit. I created the Creator Money framework to prevent that.

What I've built:
I pay myself from my worst months, built an 18-month buffer, and every month is profitable by design. My lifestyle proves the systems work.

What I teach:
Creator-specific financial strategy that prevents the three ways creators quit: running out of money, running out of time, or burning out.

Where to find me:
creatormoney.substack.com – Weekly insights on financial systems for sustainable creative businesses.


Email: hello@terrenceporter.com

Creators don’t burn out from hard work:

(they burn out from infinite work)

Algorithms want output. Your nervous system wants limits.

Infinite possibility + finite capacity = predictable burnout.

The system optimizes for consumption, not your sustainability.

In today’s Creator Money Playbook, I breakdown: 

- Why 80% of creators burn out and careers average 5–7 years
- Why creator work never ends (no natural endpoint)
- How public highlight reels warp your scorecard
- How burnout destroys your money-making machine
- Why algorithms reward output, not profitability

Get the full breakdown here → https://bit.ly/47SzbYd

What's the point of doing all this work just to burn out years later?

Terrence Porter

I used to think procrastination was free.

Turns out it charges interest.

Every day I delayed a decision, I paid an Ignorance Tax:

Quiet fees that drained time, money, and momentum.

Here’s how it adds up for creators:

Delay a launch? Lost revenue.
Guess at pricing? Undervalued work.
Hope taxes “sort themselves out”? Penalties and panic.

The cost isn’t just dollars, it’s confidence.

Stop funding the IRS of uncertainty.

1. Define the decision.
2. Find the data.
3. Set a clock.
4. Secure a guide (someone to help).

Smart creators don’t gamble on “maybe.”

They invest in clarity compounds:

Skills, systems, and mentors that cut the tax to zero.

･･･

I solve money problems for creators.

Want playbooks, frameworks, templates, and a growing resource library?

Join Creator Money Playbooks → https://bit.ly/4fJkBmf

I help creators build financial systems where creativity, money, business, and lifestyle work together.

The best time to make money is when you don’t need it.

When tomorrow’s funded, everything changes:

- You price with a spine
- You say no without fear
- You place smarter bets

I use a simple 3-step sequence that:

1. Buys time to figure it out
2. Locks in financial stability
3. Then fuels growth

In tomorrow’s Creator Money Playbook, I cover:

- The sequence that removes urgency
- The floor that stabilizes bad months
- The rule that makes growth bets safe
- The two numbers that define “enough”
- Where to send wins so stability compounds

I’ll show you how to implement it: 
(without gambling rent or chasing more clients)

Want the playbook?

Join us here before it drops → https://bit.ly/4fJkBmf

Most founders chase more customers.

The best ones obsess over their existing ones.

Pamela Zembani treats customer experience like a product.

I’m proud to be featured alongside a few sharp founders in the first edition of Cammanex Magazine.

But the real headline is the work happening behind the scenes:

- Pinpoint customer pain
- Design loyalty-building moments
- Help teams deliver them fast

Big congrats to Pamela Zembani for building a publication that celebrates real customer work.

Read the first edition here → https://bit.ly/4gRj4wC

PS: What’s one small thing you’ll change in your customer experience this week?

Extra work from clients isn't a boundary problem:

(It's a pricing problem)

When clients ask for work outside the original agreement, 
I don't explain why it costs more.

I send a separate proposal. New price, new timeline, new project.

This protects three things:

1. The original deliverable stays on track.
2. My workflow doesn't get disrupted by unplanned work.
3. The client sees I value their time the same way I value mine.

No negotiation. No resentment. No favors disguised as flexibility.

The boundary is simple: "Yes, at this price, starting here."

Clients who respect systems say yes immediately.

The ones who push back were never going to be good clients anyway.

･･･

I solve money problems for creators.

Want playbooks, frameworks, templates, and a growing resource library?

Join Creator Money Playbooks → https://bit.ly/4fJkBmf

The best change I made wasn’t a new goal.

It was three anti-goals.

- Don’t work more than 20 hours/week
- Don’t build anything I wouldn’t use
- Don’t chase the “more is better” trap

These rules remind me what “enough” feels like.

Without constraints, the market sets your schedule, your scope, and your stress. 

You drift into work you don’t want, for people you shouldn’t serve, at prices that don’t make sense.

Counterintuitively, constraints create capacity.

Profit goes up. Stress goes down. Focus returns.

Your move: what’s one anti-goal you’ll enforce for the next 30 days?

･･･

I solve money problems for creators.

Want playbooks, frameworks, templates, and a growing resource library?

Join Creator Money Playbooks → https://bit.ly/4fJkBmf

Most creators don’t fail from bad work:

(they fail from bad business)

Talent alone will not make you profitable.

If you want to make money as a creator, you must learn business.

In today’s Creator Money Playbook, I break down:

- Why “better work” rarely moves revenue
- What actually changes between $2k and $5k
- How small business choices compound
- A short starter kit you can implement this week

Your work only pays off when the business makes room for it.

Get the full breakdown here →https://bit.ly/42lQehM

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