Stream

Map your expenses

What do you notice?

• Which stream is most consistent?

• Which has highest dollar-per-hour value?

• Which feels most sustainable and aligned?

Fixed vs. variable costs

Fixed (same every month):

• Clinic or studio rent

• Insurance (liability, business)

• Software subscriptions (scheduling, CRM)

• Website hosting

• Association memberships

Variable (changes with activity):

• Herbs, supplies, and packaging

• Marketing and ads

• Professional development

• Travel and events

• Payment processing fees

The essential expense formula

Monthly baseline = Fixed + average variable

Break-even revenue = Monthly baseline ÷ 0.7 (assumes 30% profit margin)

This tells you the minimum you need to bring in each month to stay afloat.

Example:

• Fixed: $400 (insurance, software, memberships)

• Variable average: $300 (herbs, supplies, some marketing)

• Baseline: $700

• Break-even: $700 ÷ 0.7 = $1,000/month

Build your revenue target

Step 1: Calculate your livable income need

What do you need to take home each month for personal expenses?

• Rent/mortgage

• Food and essentials

• Debt payments

• Savings goals

• Personal health and care

Personal monthly need: $__

Step 2: Add business expenses

Business monthly baseline (from above): $__

Step 3: Add profit and growth buffer (20–30%)

Total monthly revenue target:

(Personal need + Business baseline) ÷ 0.75 = $__

Reverse-engineer your offers

Know your capacity

How many client hours can you realistically deliver per week?

• Consider prep, delivery, follow-up, and admin

• Factor in research, education, marketing, and rest

• Most sustainable practices: 10–20 billable hours/week

Calculate sessions needed

Example:

• Revenue target: $4,000/month

• Average session rate: $150

• Sessions needed: 4,000 ÷ 150 = 27 sessions/month (~7/week)

Diversify to reduce burnout

If 27 one-on-one sessions feels heavy:

• Add one $400 workshop (4 sessions saved)

• Launch a $30/month membership with 15 members (3 sessions saved)

• Sell $450 in products (3 sessions saved)

New math:

• 17 one-on-one sessions

• 1 workshop

• Membership income

• Product sales

Same revenue, better balance.

Allocate profit wisely

The simple split (after expenses)

50–60% → Your take-home pay

20–30% → Reinvestment (education, tools, marketing)

10–20% → Savings and taxes

Growth investments that pay back

High-ROI priorities:

• Advanced training in areas clients ask about

• Professional photos and brand clarity

• Email system to nurture leads

• Streamlined scheduling and intake

• Quality herb sourcing and equipment

Low-ROI traps:

• Fancy websites before you have clients

• Courses on topics you're not actively using

• Expensive software with features you don't need

• Generic social media ads without a strategy

Track with intention

Weekly money date (15 minutes)

• Record income by stream

• Log expenses by category

• Check accounts and upcoming bills

• Note any patterns or surprises

Monthly review (30 minutes)

• Compare actual vs. target revenue

• Calculate profit margin

• Identify your most profitable offer

• Celebrate wins and adjust strategy

Quarterly planning (1–2 hours)

• Review all three months

• Set the next quarter's revenue goal

• Plan new offers or seasonal pivots

• Update pricing if needed

• Schedule growth investments

Common money map mistakes

Underpricing to fill your calendar

→ Burns you out and attracts price-focused clients

Overbuilding before revenue

→ Drains savings on tools you don't yet need

Ignoring the numbers

→ Creates surprises, stress, and reactive decisions

Comparing your map to others'

→ Every practice has different costs, capacity, and context

Waiting for "enough" before investing in yourself

→ Growth requires strategic reinvestment from the start

Your next steps

1. Complete the income snapshot table (last 3 months)

2. List your fixed and variable monthly expenses

3. Calculate your break-even and target revenue

4. Reverse-engineer the mix of offers that fits your capacity

5. Schedule your first weekly money date

Resources

• Herbal Services Pricing Calculator

• Service Pricing Calculator

• Product Pricing Calculator

• 3-Month Marketing Planner

Remember

Your money map isn't about greed—it's about clarity. When you know your numbers, you make confident decisions that let you show up fully for clients, invest in your growth, and build a practice that lasts.