Money Mastery with Marshy

“What’s the difference between MyBudget and financial coaching?”In this episode, Daniel breaks down the key distinctions between outsourcing your finances and learning to master them yourself. Drawing from six years of coaching experience, he explores:The core difference between done-for-you (MyBudget) and done-with-you (financial coaching) servicesWhy taking responsibility for your money creates lasting confidence and empowermentHow the above-the-line / below-the-line model applies to your financial mindsetThe unique challenges of small business owners with variable income — and why standard systems often fall shortHow financial coaching blends money mastery and personal development for lifelong transformationWhether you’re a business owner wanting to gain control of your cash flow or simply curious about the coaching approach, this episode will give you clarity on which path best fits your goals.Connect with Daniel Marshall:Instagram - @danielgmarshallLinkedIn - Daniel MarshallWebsite - danielmarshall.com.au

Six years of pricing experiments—from $120/hr sessions to $10k annual programs, $1k/month retainers, low-ticket products, memberships, weekly pricing, and finally a streamlined two-step offer. If you sell services and wonder “what should I charge?” Then this episode will give you valuable insights.WHAT YOU’LL LEARNPrice vs value: people buy transformation, not sessions (aim for ~10x perceived value).Why an offer ladder matters (low-risk entry → natural ascension).The truth about MRR for 1:1 coaches (powerful but fragile).How community and proximity can justify premium pricing.Structuring for commitment: upfront buy-in without monthly friction.Iterate the structure, keep levelling up the core value.DANIEL’S PRICING JOURNEY (HIGHLIGHTS)2019: $120 per session → first 3-month outcome-based program at $2,000.One-off Strategy Session at $500 to lower the barrier and qualify fit.12-Month Program at $10,000: deep results require deep commitment.Retainers at $1,000/month: good cashflow, tough retention without community.Hybrid: $5,000 upfront + $500/month: stronger commitment, lighter cashflow strain.Low-ticket hit: “Fix Your Finance Challenge” ($21 → $47) that scaled trust and fed high-ticket.Membership ($95 USD/month on Skool): engagement + platform habits were the bottleneck.2025 pivot: weekly $100 → $165 “Net Worth Accelerators,” then smart one-time 12-month upgrade.WHERE IT LANDED (TODAY)Step 1: Financial Fitness Assessment — $195 one-off (high clarity, low risk).Step 2: Get Financially Fit — 12-Month Program — $5,070 one-time. Cadence: weekly (Month 1) → fortnightly (Months 2–3) → monthly (Months 4–12). Why it works: intensity upfront, accountability long-term, zero billing friction.REAL-WORLD RESULTSClients who commit 12+ months have increased net worth by ~$80k on average, plus the intangibles Daniel loves: couples aligned, confident, and moving together.CALL TO ACTIONSShare this episode with a coach or service provider who’s pricing their offers.Leave a 5★ review to help the show grow.Join the weekly newsletter for money + business insights (danielmarshall.com.au).Ready for Step 1? Book the $195 Financial Fitness Assessment.

“You can tell how good someone is at anything by the quality and quantity of the data they track.” – Alex HormoziIn this episode, Daniel Marshall dives into why tracking is the foundation of growth across finances, business, health, and any area of your life that’s important to you.  He opens up about his own routines - weekly business metrics, gym progress, and even his 2,268-day cold shower streak. And explains how measuring multiple data points creates more ways to win.Key Takeaways:Don’t rely on one metric: Too many people judge their finances only by income or savings. Tracking multiple data points gives a clearer, more encouraging picture.What you track improves: Whether it’s sales, fitness, or personal growth, consistent tracking leads to consistent progress.Habits and psychology: Tracking habits as a percentage of the year (instead of just streaks) makes building positive change more sustainable and less discouraging after slip-ups.Your focus reveals your values: The areas you track are the areas you care about - and the areas you’ll get better at.Your Challenge:1) Write down the things you’re currently tracking (you’re likely already doing well in these).2) Identify one area you want to improve - then decide on a habit, input, or metric you can start tracking today.Work with Marshy:

Want help to turn your financial chaos into structure and order?Check out the information for my 60-minute Financial Fitness Assessment.

Yesterday was Father’s Day, and I had two very special guests join me on the podcast — my incredible wife Kaci, making her long-awaited debut, and our new baby Florence (who slept peacefully for round two of recording).We unpacked an experiment we ran in August: moving all our grocery shopping online. In this laid-back Sunday morning chat we also cover:- Kaci’s career as a social worker- Our IVF journey and becoming parents- Life with two kids vs one- How our Human Design balances each other- Simple systems to save time, money, and mental capacity with food shopping- Outsourcing low-value tasks to focus on what matters mostA warm, honest episode about family, values, and designing life with intention.---Book a Financial Coaching Discovery Call with Marshy

AI might be taking over the headlines, but in today’s world it’s not your technical skills that set you apart — it’s your people skills.In this episode, I sat down with Hasan T. Anjum, founder of A&H Digital Solutions. Over the past 20 years Hasan has built over 200 digital products & software solutions for businesses, universities & government agencies. A self-proclaimed tech geek turned master communicator, Hasan shares how Toastmasters transformed his career, why engineers who can’t communicate get left behind, and how he scaled from a $12K net income to $300K in just five years by mastering project management and people skills. We dive into:The pivotal elevator moment that forced Hasan to master communicationWhy public speaking and emotional intelligence matter more than ever in the AI eraHow people skills open doors that technical ability alone can’tThe lessons Hasan is now passing on to his kids about connection, presence, and leadershipWhether you’re an engineer, entrepreneur, or business leader, this episode will challenge how you think about success — and why the future belongs to those who can connect, not just code.👉 Follow the show and leave a 5-star review if you’re enjoying these conversations.

100 Not Out!In this milestone episode of 'Money Mastery with Marshy', I am joined by one of my best mates of 20 years - Pendwe Msapenda from PennBuilt. This time it was my turn to hop out the drivers seat and let Pendwe take the wheel.In our conversation, Pendwe guided us through themes like:- Friendships & Legacy- From reluctant engineer to reluctant entrepreneur - Why Money Mastery is the journey of Self Mastery- The Power of Compound Interest & Consistency- My evolution from party boy/footy lad/engineer to financial coach and business owner- The important of faith and trust during cashflow challengesPlus so much more!Thank you Pendwe for being such a great friend and for sharing this special milestone with me.And thank YOU for tuning into the show - we wouldn't have got here without YOUR support.I appreciate you.Marshy

99 not out..Can you believe it?This week, I'm bringing you something different for the podcast.I recently sat down with Arthur Panagis from FMG Wealth Strategists - a Financial Advice Firm based in Adelaide.AP is a legend of a bloke, and I had the pleasure of being interviewed by him.What I love about this is we don't see each other as competition... we see each other as collaborative partners.Financial Coaching & Financial Advice serve different purposes - and they can both work well together.If you want to find out more about the differences between a Financial Coach & a Financial Advisor - them check out Episode #55 . Book a Financial Coaching Discovery Call with MarshyBook a Financial Advice Consult with Arthur

In today's episode, I unpacked three questions from one of our listeners - Skai (who is a Photographer, Graphic Designer & Brand Identity Consultant). She asked me:1) How has my entrepreneurial mindset changed from when I started? 2) What would I do differently? 3) What’s my best advice to the next person starting their solo-preneur journey?If you want to hear more about my journey from mechanical engineer to financial coach - then check out Episode #1 of the show.

“The market is smarter now. People have a hypersensitivity to BS. The old tricks don’t work anymore.” – Caleb LesaIn today’s episode of Money Mastery with Marshy, I am joined once again by Caleb Lesa – Sales Trainer & Human Behaviour Expert. We unpacked topics such as: - Why Caleb ditched the ‘Digital Nomad’ lifestyle to move back to New Zealand - The unexpected benefits of hitting the gym with his brother- Why outdated sales tactics just don’t cut it anymoreYou’ll learn how to use linguistic priming to reduce resistance in sales and relationships, why intent is everything in communication, and how one of Caleb’s clients skyrocketed from $70K to $341K/month using his Conversational Sales framework.Whether you're in business, in love, or just trying to communicate better – this episode is packed with gold.Click this link to grab a copy of Caleb’s ‘Neuro-Linguistic Playbook’. Click this link to listen to Episode #24 (The Conscious vs Capitalist Game) with Caleb Lesa