If you’ve ever stared at your bank balance wondering how you’re working so hard but still not making enough…
Or you’ve priced your offers based on gut feel, what someone else is charging, or just what “felt fair” at the time…
Or you’re constantly adjusting, discounting, or second-guessing your pricing…
Then it might be time to talk about your financial sweet spot.
This is the number that makes your business sustainable and your life feel less like a financial juggling act.
Why this matters
Here’s the thing—money stress is one of the biggest things that weighs solopreneurs down.
That “do I have enough to cover everything?” feeling isn’t just a budget issue. It messes with your energy, your confidence, and your ability to think clearly. It turns every launch, every client enquiry, every invoice into a rollercoaster of emotions.
I had a client once—let’s call her Mel. She was working ridiculous hours, booked out with clients, and still barely breaking even. When we sat down to go through her numbers, she realised she hadn’t factored in taxes, business expenses, or even her own salary. She was so focused on bringing in money that she didn’t realise she wasn’t actually keeping any of it.
And she’s not alone. I’ve seen so many women building these incredible businesses, but undercharging or unsure where the money is supposed to come from. And without clarity on what they actually need, they stay stuck in this endless cycle of doing more, hoping more clients will fix it.
That’s where your financial sweet spot comes in.
What is a financial sweet spot?
Your financial sweet spot isn’t just some dreamy six-figure goal.
It’s your actual income target—what you need to earn to:
- Cover your personal and business expenses
- Pay your taxes
- Live comfortably
- And still have something left over for savings and to reinvest back into your business
It’s personal. It’s practical. It’s based on your cost of living, not someone else’s version of success.
Once you know your number, everything gets easier: planning, pricing, decision-making—it all starts to align. You stop guessing and start leading with strategy.
And no, this isn’t about making yourself feel bad for where you’re at. It’s about seeing what the gap is—so you can start filling it intentionally.
Check your pricing
Let’s talk pricing
- Are your prices just made up? (No judgment—we’ve all done it!)
- Do they reflect the value of the transformation?
- Do they actually help you reach your income goals?
One of the biggest mistakes I see? People undercharge because they assume lower prices mean more clients. But what it actually creates is overwork and under-earning.
This is where bundling comes in. Could you create a bundle or a package that delivers more value for your clients and boosts your income at the same time?
And please—don’t price in isolation. Run a poll. Ask your audience. Offer a beta version. You’re not stuck with one price forever. Pricing is something you evolve as you grow.
Adding revenue layers
Your sweet spot isn’t about squeezing more money out of every hour—it’s about creating revenue that works smarter.
Here are a few ideas to help:
- Group coaching: You help more people in less time. Everyone gets value, and your income isn’t capped by your availability.
- Upsells: Add a companion product, a workbook, or a 1:1 follow-up session to your main offer. It feels like a bonus for your client—but adds to your bottom line.
- Memberships: Lower-cost, recurring revenue for access to content, community, or light touch coaching.
- Masterminds: Higher-ticket, more collaborative, and perfect for clients who want ongoing support and strategy.
Think about your value ladder—how can someone stay in your world longer and go deeper, without you burning out in the process?
Where to start
You don’t need to overhaul everything this week. Just start by figuring out your number.
What’s your monthly income goal?
- How much do you want to pay yourself?
- What are your fixed business expenses?
- What do you want to set aside for tax, savings, or growth?
Once you know that, reverse-engineer it:
- What offers do you currently have?
- What would you need to sell to hit that number?
- Is it realistic—or does something need to shift?
If it doesn’t add up right now, don’t panic. That’s normal. This is about clarity, not perfection. And from clarity, you can create a smarter, more spacious plan.
So if money stress has been riding shotgun in your business lately, just know—you’re not doing anything wrong. You just need a better roadmap.
And if you want help mapping that out, grab my free Stop to Scale Kit. It walks you through five common mistakes that keep solopreneurs stuck and under-earning—even when they’re working non-stop.
It’s short. It’s actionable. And it’s below if you’re ready to build a business that actually supports the life you want.
