Kirsten Russell
The Start Out Savvy Podcast
You’re running a business , not a charity. So let’s make sure it actually pays you like one. The Start Out Savvy Podcast is for service-based women who are ready to feel confident with their money, charge properly for their work, and run a business that supports their life. Hosted by accountant and money mentor Kirsten Russell, this is straight-talking advice on cash flow, pricing, paying yourself, and building real wealth,without hustle culture or fluffy nonsense. Smart money. Clear decisions. Savvy AF growth.
Author
Kirsten Russell
Category
Podcast website
Latest episode
Mar 9, 2026
Where to listen?
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Episodes
Ep. 77 AI is Not Replacing You (yet!) 09.03.2026 54:37
AI is not replacing you. But the business owner who knows how to use it properly? She’s moving faster. In this episode of the Start Out Savvy Podcast, I sit down with AI strategist Anita Mac for a real conversation about how to use AI in business without becoming robotic, generic, or lazy. This is not a “10 prompts to go viral” chat. It’s about: • Using AI for strategy, not just content • Building...
Ep. 76 How to Use AI Without Losing Your Voice (or your clients) 02.03.2026 23:21
AI is everywhere right now. It’s fast. It’s powerful. It’s overwhelming. And if you’re not careful? It can make you sound like every other generic robot on the internet. In this solo episode, I’m breaking down the real talk on AI for business owners, no hype, no fear-mongering, no “AI will rot your brain” drama. We’re talking about: How to actually use AI to streamline your business (without outso...
Ep. 75 NZ Super Won’t Save You: The Retirement Wake-Up Call 23.02.2026 1:06:42
Are you secretly hoping NZ Super will “just work out”? Hate to break it to you… but this episode might be the wake-up call you didn’t know you needed. In this honest, no-fluff conversation, I’m joined by Maria Temnyuk from Diamond Property & Wealth, a New Zealand financial advisor specialising in investments, property and KiwiSaver. We’re talking about what’s really happening with retirement i...
Ep. 74 Your Business Makes Money. But Is It Building Wealth? 16.02.2026 21:15
February is our Money & Marketing Series , and this solo episode is a real talk about money. Your business can look successful and still be terrible at building real wealth. In this episode, I break down: The difference between cashflow, profit, and wealth Why being busy (or even profitable) doesn’t always mean you’re financially safe The most common money blind spots in established businesses...
Ep. 73 Why Your Marketing Isn't Working (And What To Fix First) 09.02.2026 52:58
February is our Money & Marketing Series. Because great marketing means nothing if it’s not making you money. This is Episode 2 of the Marketing segment , where we cut through the fluff and talk about what actually works, and what’s quietly costing you time, energy, and cash. Posting more isn’t your problem. Boosting posts isn’t the solution. And “hoping for the best” definitely isn’t a strate...
Ep. 72 Marketing Isn’t Broken. Your Foundations Are 02.02.2026 28:04
February is our Money & Marketing Series , and this solo episode is your marketing reality check. Aka your check in with your own marketing foundations. If you’re posting, emailing, showing up, and still wondering why people aren’t buying — this is why. Marketing isn’t just social media, ads, or hitting “publish” on your website. It’s how people find you, trust you, and decide to buy . In this...
Ep. 71 Summer Series - Confidence 15.01.2026 11:45
Confidence isn’t something you download or template. In this episode, we’re talking about confidence. Where it actually comes from and why it’s built through action, repetition, and trust, not motivation or mindset hacks. We’ll cover how confidence grows in business, why waiting to “feel ready” keeps you stuck, and how doing the work changes how you show up. If you want real, grounded confidence t...
Ep. 71 Summer Series - Clarity 11.01.2026 11:07
Trying to run a business without clarity is like driving in the fog. In this episode, we’re talking about clarity. Knowing where you’re going, why you’re going there, and how to make decisions without constantly second-guessing yourself. Foggy thinking leads to off-road detours. We’ll cover how lack of clarity shows up in money, pricing, and planning, and why everything feels easier once the fog l...
Ep. 70 Summer Series - Cashflow 08.01.2026 11:18
Profit looks good on paper. Cash flow keeps the car running! In this episode, we’re unpacking what cash flow actually is, why it’s one of the most important parts of your business, and how to tighten it up without micromanaging every dollar. We’ll cover common cash flow blind spots, why income alone doesn’t equal stability, and the small shifts that create more control and ease. If you want your b...
Ep. 69 Summer Series - Mastery 04.01.2026 10:29
You don’t stumble into mastery , you train for it. In this episode, we’re talking about mastery and why running a business is more like training for an Olympic event than winging it as you go. Peak performance doesn’t happen by accident. We’ll cover why consistency beats intensity, how skill-building compounds over time, and why treating your business like something you train for changes everythin...
Ep. 68 Summer Series - Mindset 01.01.2026 12:12
Mindset isn’t about meditating for hours or thinking positive thoughts. In this episode, we’re breaking down what mindset actually is in business, why it matters, and how it shows up in the decisions you make every day. No crystals. No manifesting marathons. Just practical awareness. We’ll cover how mindset affects money, pricing, and growth, and why shifting the way you think doesn’t require a to...
Ep. 67 Summer Series - Money 28.12.2025 13:21
Money is the fuel that keeps your business running. In this episode, Kirsten is talking about money in your business: how it comes in, how it flows out, and why it’s the thing that keeps your business vehicle running smoothly. When the fuel system’s off, everything starts to feel harder than it needs to. She'll cover how money really moves through your business, where it quietly disappears, an...
Ep. 66 Good Morning From Vietnam 06.07.2025 15:39
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
Ep. 65 What I've NOT Been Doing In My Business and What Happened Instead 30.06.2025 11:20
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
Ep. 64 Boundaries are Hard. Burnout is Harder 09.06.2025 17:03
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...
Ep. 63 Props & Pitfalls of Using AI in Business 02.06.2025 17:44
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.
Ep. 62 BTS of How Money Flows in My Biz 26.05.2025 20:02
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 co...
Ep. 61 Cut The Crap and Bust Through the BS - Social Media in 2025 with Sarah Lilly 19.05.2025 51:31
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, th...
Ep. 60 What It Really Costs Us to Move to Southeast Asia for Winter (And How We Make It Happen) 12.05.2025 25:21
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 t...
Ep. 59 My Own Personal Money System Shared 05.05.2025 22:26
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
Ep. 58 Service Based Businesses - I'm Talking to You! 28.04.2025 21:51
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 ma...
Ep. 56 Stop Doing $10 Tasks in Your $1,000 Business 21.04.2025 25:24
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 Audi...
Ep. 55 Enough! This Really Grinds My Gears 21.04.2025 18:58
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.
Ep. 54 I Need More Sales & Clients—Now What? 07.04.2025 24:54
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 ev...
Ep. 53 New Year, New Biz? Or… What If You Did This Instead? 31.03.2025 25:55
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 actu...
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