Rachel Matthews - The Mental Millionaire

Rachel Matthews - The Mental Millionaire

Life By Design
Author | Mentor | Entrepreneur
Be A Mental Millionaire Visit my website to see how you can work with me.

I help successful entrepreneurs find FREEDOM through passive profit streams so they can restore a work life balance and build strong FINANCIAL & MENTAL foundations. Using my proven TRIPLE A METHOD and the FINANCIAL FREEDOM FRAMEWORK I provide you the tools you need to make lasting change and decisive actions to take control of your wealth & mental health. Whether your a seasoned entrepreneur or tr

Operating as usual


Have you ever wondered who the Mental Millionaire is?

In my candid, hard hitting debut memoir, I hold nothing back on my rollercoaster healing journey. From finding the courage to finally speak out about those who silenced me as a child to redesigning my life my way, removing toxic relationships and stepping into my power as The Mental Millionaire. Day by day I wrote my way to freedom, grab your copy of my burn after writing morning journal to healing here.



Totally looking forward to the Xmas break to recoup a little. How early Is too early to wind down? I hope to align with the school closure if possible. How about you? 🎄 🎅

A gentle reminder about why you are utterly exhausted…

No one I know began this year on a full tank. Given the vicious onslaught of the previous two years (let’s just call it what it was) most of us dragged ourselves across the finish line of 2021… frazzled, spent, running on aged adrenaline fumes…

We crawled into 2022 still carrying shock, trauma, grief, heaviness, disbelief… The memories of a surreal existence…

And then it began… The fastest hurricane year we could ever have imagined. Whether we have consciously processed it or not, this has been a year of more pressure, more stress, and a race to “catch up” in all departments… Every. Single. One. Work, school, sports, relationships, life…

Though not intentionally aware, perhaps hopeful that the busier we are, the more readily we will forget… the more easily we will undo the emotional tangle… the more permanently we will wipe away the scarring wounds…

We can’t.

And attempts to re-create some semblance of “normal” on steroids while disregarding that for almost two years our sympathetic nervous systems were on full alert, has left our collective mental health in tatters. Our children and teens are not exempt. The natural byproduct of fighting a hurricane is complete and utter exhaustion…

So before you begin questioning the absolutely depleted and wrung-dry state you are in- Pause. Breathe. Remind yourself of who you are and what you have endured. And then remind yourself of what you have overcome.

Despite it all, you’re still going. (Even on the days you stumble and find yourself face down in a pile of dirt).

Understanding brings compassion…

Most of the world’s citizens are in need of a little extra TLC at the moment. Most are donning invisible “Handle with care” posters around their necks and “Fragile” tattoos on their bodies…

Instead of racing to the finish line of this year, tread gently. Go slowly.

Amidst the chaos, find small pockets of silence. Find compassion. Allow the healing. And most of all… Be kind. There’s no human being on earth who couldn’t use just a little bit more of the healing salve of kindness.

With love ♥️

Powerful and poignant words of insight by
Naomi Holdt - Psychologist and Speaker


Never a truer word!

It’s also experience and LOVE 💗

Photos from Rachel Matthews - The Mental Millionaire's post 09/11/2022

What are your business goals for 2023? Comment below 👇

All I am saying is eventually you will need a mentor if you want to excel in your business!

The 50kway programme is a mini mastermind and we recognise the importance and power of coaching/mentorship but it can be costly for start up businesses. We understand you may not have the finances to invest. That is why we have decided to provide several excellent mentors for the price of $10!!

Click the link in my bio to sign up✨


How are you spending your Friday night? I’m enjoying reading the latest edition of Brand You Magazine with a glass of wine. I’m honoured to have been asked to write an article for their next edition and I can’t wait to share my tips with you on thriving during a recession. 😘


iPhone or Android?


Phone call or text?


Story time 🚨

The sisterhood of the straw hat 👒

I am so thankful for my friends. They stopped me throwing my straw hat in the bin after a girly escape as they said it symbolised me and my dreams.

They took it out of the bin and put it back in my suitcase and made me keep it. That hat had travelled the world with me and will take pride of place on the wall (as shabby as it is) in my holiday villa when I finally buy it.

It will be the first thing I do when I receive the keys, before sipping champagne and roasting the sisterhood of the travelling straw hat with my friends.

What are your financial freedom dreams?



Sweet or salty?


Anyone else profess their love for their kids and receive this response????


When your daughter doesn’t feel your unconditional love 😂😂😂


What is one thoughtful thing someone did for you recently?


So true. Are you a half empty or half full kinda person??


If you could eat one food for the rest of your life, what would it be?


What’s the difference between an accountant and a virtual CFO?

You don’t have to have one or the other - your accountant and CFO actually work hand in hand with each other to help your business thrive.

They both bring different benefits to your business, with one doing more of the day to day processing of what’s already passed in your business, and the other interpreting, guiding, strategising, budgeting and forecasting for the future.

Sound like what your business is ready for? You know where I am😉


What was your first job?

Photos from Rachel Matthews - The Mental Millionaire's post 12/09/2022

If you don’t have any business savings yet, don’t let that freak you out.

Chances are, you weren’t really sure what kind of numbers you were aiming for. When preparing for the future, your two most important savings numbers are your tax liabilities, and your operating contingencies.

Not sure how to work those out? DM me and let’s set up a call - having a virtual CFO guide you through your financial planning and budgeting will give you all the clarity and confidence you need.


What was your first car?

Photos from Rachel Matthews - The Mental Millionaire's post 07/09/2022

How much should you pay yourself?

So many business owners think of their business money as their own personal money…but this is the quickest way to kill a business☠️

How much do you need - not want but NEED - to draw out of your business to survive?

The number needs to be as low as possible if your goal is business growth because a financially savvy business owner will be focusing on reinvesting business profits, not spending them on personal expenses.

It’s not about how much of the business profits you’d LIKE to spend but more about how much the business can AFFORD to pay you.

It’s a fine line to manage so that you don’t stunt your business’ growth and strangle its potential!

Come and join my free Facebook group, ‘Account’able’, for more insights and discussions around how to fuel your business growth!

Photos from Rachel Matthews - The Mental Millionaire's post 06/09/2022

Anyone can start a business, but can you keep it going, and grow it and make a success of it?

Most businesses fail in the first few years, and do you know why?

The number ones reason is lack of financial knowledge.

But that’s not going to happen to you, because you follow me! So you know that financial education is your no.1 priority.



How powerful is this! Credit to Hannah Fraser Moore



Are you an introvert or an extrovert?


I'm looking for 3 people who hate updating their finance spreadsheets and have a backlog so big it's now become too overwhelming to start. If that's you or someone you know I am offering a complimentary coaching session for you to help you figure out your next steps and take back control. The only thing I'm asking for in return is for you to answer a few questions for my own private market research.

So who wants some free advice to help you get back in control of your finances? Drop me a Yes in the comments below and I'll get you hooked up.

What is Profit? - Business Training for Kids 26/08/2022

What is Profit? - Business Training for Kids

Do you know what profit really is?

A surprising number of business owners are chasing turnover, chasing sales, chasing growth... without a thorough understanding of what profit it.

And when you've got your eye on the wrong ball, you're never going to make the kind of progress you want to make, are you?

So let's get these basics sorted, and build that strong foundation you need to thrive.

Watch the video for details, it's for kids but I love it. For more videos, insights and advice, come and join me in my free private Facebook group, 'Account'able.

What is Profit? - Business Training for Kids One way a business can measure it’s success is by calculating it’s profit or loss.We don’t need to explain what loss is, but what is profit exactly?Well firs...


Are you a coffee or tea person?


Yep, I've got 20 years experience in financial management and yet...

...On social media I'm a fully qualified di****ad!!

Want to see more of me making an ass of myself on camera? Join my free Facebook group, 'Account'-able. Link in bio 😉


What I'd go back and tell little me 🤗

💚Nothing lasts forever, even stress of watching your dad go through financial hardship and bankruptcy

💚You are stronger than you think, and one day you'll use these difficult memories to fuel you as you help people to avoid what your family has gone through

💚You are not your family, you don't have to worry about making the same mistakes, because you have the power to choose a different path and learn from their mistakes.

What do you wish you could go back and tell little you?


Tell us with emojis what you do for a living?

Photos from Rachel Matthews - The Mental Millionaire's post 12/08/2022

There are as many ways to fail at running your own business as there are people running businesses!

But the big ones always come back to either people or money.

Not hiring the right people, not hiring at the right time, or not knowing how to lead people... those are the big people ones.

And not investing in financial systems, not understanding how to manage finances, and not planning for your financial future are the big money ones.

I can't help with the people side, but I can definitely help with the money side! Just DM me, I'm always happy to set up a free call so we can get you started on a better path to business success.

PS - do you ahve a copy of my Financial Freedom Roadmap yet? The link is in my bio


What is your all
time favourite
Christmas Movie?

Photos from Rachel Matthews - The Mental Millionaire's post 08/08/2022

What you'll get from having an experienced CFO in your back pocket:

✅Professionally-planned financial management
✅Expert reporting and reviewing of your financial position
✅The ability to know exactly where your finances stand at a glance 24/7 so you can plan and make decisions with clarity and accuracy

Sounds pretty logical right? Like something all businesses should have?

The truth is, if you're failing to plan your business finances in this way... your business in planning to fail 🤔

Ready to change that? DM me to set up your free call.



As things slow down over the summer my diary has limited availability, I have space for two 1:1 spots on my ‘Finance Foundations’ package for online coaches, therapists and healers who are fed up of second guessing their numbers in spreadsheet hell who want a simple automated system that runs on autopilot.

In just 12 weeks, you can take back control, bring clarity and calm to your cash, banish financial stress and have visibility over your numbers so you can skyrocket your profit and pay yourself consistently. I’m holding your hand and guiding you every step of the way through setting up & managing your finances for success.

When you sign up to ‘Finance Foundations’ the first thing we do is a finance system audit.
This helps to establish where you're at right now and where you’d like to be in 12 weeks.

During the course of the program you get:

🤑 Personalised accounting software (Xero) which uses A.I. to automate your bookkeeping, set up to your specific service offerings so you don't waste your time or energy
🤑 A bespoke visual dashboard that updates in real time so you can quickly and easily see where you're financially now and in the future
🤑 3 x Monthly calls to walk you through your numbers,no more second guessing, I’ll hold you accountable to your goals and keep you on track
🤑 The Ultimate Business Profit Planner, your step by step guide to the tasks you need to do on a daily, weekly, monthly, quarterly and annual basis to bring more cash into your business and keep it. Available as a PDF and Asana import
🤑 Weekly coworking calls inside the “Account”able facebook group
🤑 Access to the ‘Financial Freedom Framework’, once you understand the key metrics that drive your business profits, you’ll ditch the income rollercoaster and catapult your cash
🤑 Access to the ‘Triple A Method’ mindset tool to support you in breaking money habits that hold you back from reaching your true financial potential.

This program is only for those who:

💥 Are ready to punch procrastination in the face and take action to overcome their finance fears
💥 Are willing to commit to a 3 month program and understand that building a profitable business requires discipline and strong coffee (or wine…. both work)
💥 Are action takers, ready to implement things quickly, shout when they need help and a desire to build a business that is in alignment with their desired lifestyle

The Investment is £747 for 3 months or 3 Instalments of £249. This is my usual group program price but as a special 40th birthday BONUS I am offering two 1:1 spots at the group price. I think the champagne bubbles must of gone to my head! 🥂

If you're ready to pull your head out of the sand and get in control of your cash, send me a DM and let's chat things over, I’ll ask you a few questions, and if we’re a match, we can get started in as little as 7 days!

Photos from Rachel Matthews - The Mental Millionaire's post 05/08/2022

Do you want your Networth to GROW over the next decade... Or to decline.
Networth blueprint
Should be an easy question to answer, right?
"Then why do so many people keep working and working and working... but their networth declines instead of grows?

One reason: Lack of financial education.

We seem to think that working harder and keeping going is the answer.

But if you don't have a plan, turn it into financial goals, and map out a path to your financial freedom, I have bad news for you:

You're likely going to be in the same place, or worse, in 10 years."
"Time to change the story!

Download my Networth Blueprint guide and calculator, and start building your financial freedom now."


I joined a mastermind, and it was beyond disappointing.
"They promised me nothing, which was refreshing I suppose.

I trusted them, believed in them, gave them my money... and got nowhere.

Why did I trust them? Catchy marketing.

Why didn't I get anywhere? Because the truth is, business is not about a system or a process or following instructions.

It's about people building relationships with people - and there's no quick fix overnight formula for that!

"Have you joined any programmes you regret? Bought into the 6-figure hype? Let me know, let's chat in the comments.

PS - Have you downloaded your free Networth Blueprint guide and calculator yet? LInk in bio 😉"


Imagine this:
You hire a bookkeeper and an accountant to manage your finances.

They're juggling loooaaaaddddsss of clients.

They make a mistake and submit information to HMRC incorrectly.

Who's responsible for that???


Not them, you. You're the one who'll be liable.

Kinda scary isn't it!?

How to prevent that happening?

😉Keep in touch: Know what's going on with your finances all the time
😉Educate yourself: Know how to read your reports and statements
😉Hire better people: You get what you pay for!

I can help with all three... join my free Facebook group 'Account'able for free resources and live coaching.


The final edits are done and it’s gone to print. Thank you for all the preorders. They will land on your doorstep next week! 🥳. Grab your copy using the link below. X

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