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I’ve been a solopreneur for over a decade. The first five years were everything I dreamed of, then everything came crashing down. In the beginning: → I was earning more than ever → Traveling the world → Enjoying the freedom I’d built. Then COVID hit in 2020, and everything stopped—except my bills. I’ve always been good with money, but COVID exposed holes in my finances. As I faced the possibility of eviction, I got serious about my finances. 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. In 2021, I became a financial coach. My results: → $3M+ saved in taxes → $630k+ paid off in debt → $260k+ in emergency funds → $2.7M+ generated for clients In 2023, I became a financial writer. My results: → 15k+ followers on social → 5k+ newsletter subscribers → 1.5M+ impressions Today, I run a newsletter helping 9-to-5ers become full-time creators with proven financial strategies. If you’re ready for: → Financial freedom → Creative freedom → Time freedom → Location freedom → Relationship freedom → GO HERE: creatormoney.substack.com Email: hello@terrenceporter.com
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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 help creators take control of their money without jargon, guilt, or guesswork. If you’re ready to turn insights into income: Join us here → https://bit.ly/4fJkBmf
Nobody talks about the creator trap. You quit your 9-5 for freedom. Then build a business that needs you 24/7. - You trade one boss for dozens of clients. - Security for stress. - Weekends for worry. Sound familiar? Then it’s time to break out. How to own your work instead of it owning you: 1. Productize your genius. 2. Systemize delivery. 3. Buy back hours. 4. Protect true time off. Freedom isn’t quitting a job. It’s building a business that works when you don't. Be self-owned, not self-employed. ・・・ I write Creator Money Playbooks to help you build cash-flow systems that buy back your life. Join 1,000+ creators taking control → https://bit.ly/4fJkBmf
Before I had savings: I had skills. Before I had consistent income: I had the confidence to earn on demand. That’s the leverage no one can take: The ability to turn clarity, creativity, and action into income. The best investment isn’t stocks or real estate. It’s you. Don’t just invest in assets. Become one. ・・・ I help creators take control of their money without jargon, guilt, or guesswork. If you’re ready to turn insights into income: Join us here → https://bit.ly/4fJkBmf
At one point, I thought I had a pricing problem. Then I thought it was a visibility problem. Then I thought I just needed to work harder. But none of those were the root cause. The real issue? My offer wasn’t positioned to win. It didn’t speak to a clear problem. It didn’t scream “for me” to the right person. It didn’t feel urgent to the buyer. So I kept pushing. More content. More effort. More tweaks. But most work doesn’t need more force. It needs more fit. Your effort compounds when the offer, the person, and the problem *click*. If you’re a struggling creator, don’t just grind harder. Check your positioning. ・・・ I help creators take control of their money without jargon, guilt, or guesswork. If you’re ready to turn insights into income: Join us here → https://bit.ly/4fJkBmf
I don’t just set goals. I set anti-goals. Because sometimes the fastest way to get what you want… is by getting clear on what you (don’t) want. Here are 3 rules that keep me grounded: 1. Don’t work more than 20 hours a week If my business can’t thrive within those hours, it’s the wrong business. 2. Don’t build something I wouldn’t use If it’s not useful to *me*, it won’t be meaningful to anyone else. 3. Don’t chase “more” for the sake of more More followers, more revenue, more offers—none of it matters without peace. These aren’t limitations. They’re boundaries. They remind me what (enough) feels like and protect me from building the wrong life. What are your anti-goals? ・・・ I help creators take control of their money without jargon, guilt, or guesswork. Ready to build money systems that actually fit creator reality? Join Creator Money Playbooks → https://bit.ly/4fJkBmf
Most creators think income drops are emergencies. They're not. They're Tuesday. When revenue dips, panic kicks in: - Slash prices to get "any" client - Take projects that kill positioning - Abandon strategies that were working - Make desperate pivots that destroy momentum The panic tax is higher than the income tax. I've watched creators lose 6-figure businesses, because they panicked over 4-figure months. Not because they ran out of money. Because they ran out of perspective. In my latest newsletter issue, I discuss: Why you should stop panicking over income drops. (Hint: It's not about tougher mindset—it's about better systems) Read the full issue here → https://bit.ly/46mmAvp
For most creators, some months feel like magic. Others feel like panic. That’s not entrepreneurship. That’s volatility disguised as success. I’ve been there, celebrating a big month. Then stressing over rent a few months later. So I stopped chasing spikes. And started building money systems. Real growth is boring. Steady. Predictable. The kind you can plan around. Now I don’t just celebrate cash flow. I trust it. ・・・ I help creators take control of their money without jargon, guilt, or guesswork. If you’re ready to turn insights into income: Join us here → https://bit.ly/4fJkBmf
I treated my first $1,000: (like $100,000) - Set up accounts - Allocated profit - Logged patterns It wasn't about the income (it was about identity). The moment I started acting like someone who knew what to do with money, money started showing up differently. Most creators wait until they're "making enough" to get organized. But here's what I learned: Your systems don't scale with your income. Your income scales with your systems. That first $1,000 taught me more about money than any course ever could. Because I didn't just earn it—I managed it. ・・・ I help creators take control of their money without jargon, guilt, or guesswork. If you’re ready to turn insights into income: Join us here → https://bit.ly/4fJkBmf
When I first started: I thought entrepreneurship was about risk. Quitting the job. Burning the boats. Betting big. But the longer I’ve been in business, the more I’ve realized: It’s not about taking risks. It’s about removing them. Smart entrepreneurs don’t gamble. They build systems that make failure cheap and success inevitable. They: - Test small before scaling - Protect downside before chasing upside - Build cash flow before chasing growth If it feels risky, it’s probably missing structure. Want more freedom? Start by managing the risk, not romanticizing it. ・・・ I help creators take control of their money without jargon, guilt, or guesswork. If you’re ready to turn insights into income: Join us here → https://bit.ly/4fJkBmf
Most creators aren’t bad with money. They’re just using systems that weren’t built for their reality. - One checking account - A Stripe or PayPal balance that never moves - Mental math as a budgeting tool It feels simple. But it’s actually chaos. - No buffers. - No boundaries. - No real system. This is the average creator money stack in 2025. It’s not broken because you're careless. It’s broken because it was never designed for how you earn. In the latest issue of Creator Money Playbooks, I break down: → The 6 habits keeping creators financially stuck → Why your system feels easier (but secretly costs you more) → What successful creators do differently (and how you can too) If you’ve ever felt like your bank account is lying to you (this one’s for you). Get the full break down here → https://bit.ly/3GAraMa
Most think separating business and personal money is about taxes. It’s not. It’s about identity. Because when you mix the two, you blur the line between you and your business. That’s when chaos starts to feel normal. You feel profitable—until rent clears, taxes hit, and Stripe claws back a refund. You weren’t profitable. You were just messy. The point of separation isn’t organization. It’s control. And control is what makes this feel like a real business— even if you're only making $300 a month. Don’t wait to feel legit. Separate now. Build boundaries. Treat your life like the asset it is. I give a full breakdown in tomorrow’s newsletter issue: “Why You Must Separate Business and Personal Money” Join us here → https://bit.ly/4fJkBmf
I used to pay everyone else first. Tools. Taxes. Subcontractors. Software. And if anything was left? Then I paid myself. I treated myself like overhead. Like a cost to manage instead of a force to protect. But here’s the truth: You’re not overhead. You’re the engine. If you're the one building, writing, shipping, selling— then you are the most essential piece of the system. So now? I budget for myself like I would any critical vendor. - A set salary - A personal buffer - A payout that respects the work Because I’m not the expense. I am the business. ・・・ I help creators take control of their money without jargon, guilt, or guesswork. If you’re ready to turn insights into income: Join us here → https://bit.ly/4fJkBmf
Most creators are stuck in a game they didn’t choose: More content. More effort. Less return. Because when your content is interchangeable, so is your income. If your strategy relies on: - Volume - Virality - Vibes …you’re not building a business. You’re feeding the feed. I used to do the same: (Until I learned the difference between content and leverage) My latest newsletter issue breaks it down: Creators Competing on Content Alone Are Commodities (and how to escape the trap). Check it out here → https://bit.ly/440djI7
Most creators build businesses that fight their life. They copy models that demand energy, time, or routines they don’t actually have. Then wonder why growth feels like burnout. But what if your lifestyle wasn’t the obstacle… What if it was the blueprint? My latest newsletter issue breaks it down: → Why your constraints are your greatest advantage → How to pick models that match your reality → What to test *before* you build the wrong thing Start with your life. Build around it. Read the full issue here → https://bit.ly/40bONBf
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