Fourth Quarter is upon us! 2020 has eerily flown by and we seem to be getting through what may have been one of the most challenging moments in the history of business. A time I hope you are able to optimistically reflect on, learn from, and rise above.

Q4 is an ideal time of year to launch your annual business review. We’ve created a SIMPLE 3-STEP process that will help you get real, deal, and heal from a year of highly uncertain twists and turns.

Our October blog walked you through Step 1 which was Tax Preparations / Financial Review. Step 2 shines the light on 2020 Action Plan results and how to use this information to produce a strong plan for 2021 which is our final Step in the process focused on in our December blog. 



Step One focused on finances. Getting a good handle on your taxes now allows you enough time to implement last minute tax strategy, before EOY. Numbers can be a scary conversation; especially as entrepreneurs as our bank account may not always reflect what one might define as “success”. Our money demands daily review and discussion ensuring you’re making smart money moves year-roundnot just on April 15th.



Step Two focuses on the RESULTS of your 2020 Goals and Action Plan allowing you to discover new sprouts of opportunity to increase production and overall success. 

Now if you haven’t identified business goals or an action plan as of yet, not to fret, use your actual results to build on and plan ahead. The goal with this exercise is to compare where you wanted to be at the start of 2020 versus where you are today, then use that information to fill in any gaps. 

Several things to keep in mind as you complete your Annual Review:

– 2020 has been an Asshole of a year, BE KIND TO YOURSELF

– If you pivoted this year, do you plan on continuing the new practice or release it when things begin to normalize

– Focus on all the GOOD stuff that did go right this past year!

Pro Tip: Below is a simple spreadsheet breaking down high level annual goals chunked into quarters and ultimately serves as an amazing CEO vantage point on your business.









Email capture








Increase advert budget








Product Development 








Add additional models to each line 

I hope this helps you wrap up 2020 successfully. Stay tuned for Step 3 as we begin planning for 2021!


Fourth Quarter is upon us! 2020 has eerily flown by and we seem to be getting through what may have been one of the most challenging moments in the history of business. A time I hope you are able to optimistically reflect on, learn from, and rise above.

Q4 is an ideal time of year to launch your annual business review. We’ve created a SIMPLE 3-STEP process that will help you get real, deal, and heal from a year of highly uncertain twists and turns.



Step One focuses on finances. Getting a good handle on your taxes now allows you enough time to implement last minute tax strategy, before EOY. Numbers can be a scary conversation; especially as entrepreneurs as our bank account may not always reflect what one might define as “success”. Our money demands daily review and discussion ensuring you’re making smart money moves year-round, not just on April 15th.

Tap into our go to financial/tax hacks to collect your coins with confidence:

  1. Create an e-file to sit on your desktop and a hard file both labelled 2020 TAXES to hold and organize any financial / tax documents needed for filing
  2. Review YTD GE’s, catch up and/or reconcile for the year where needed
  3. If you work with contractors/vendors, begin preparing 1099 documentation
  4. Collect outstanding payments from clients to ensure income is received and counted in the year, for the year
  5. Pay outstanding dues, fees and any in the year, for the year expenditures
  6. Make any last-minute business purchases and investments and write them off for the year

Pro Tip 1: work with a bookkeeper like Kristin Rocco of Nerdy Girl Services who manages you books daily, prepares your Quarterly GEs, helps organize your paperwork for your CPA prep, and takes the lion’s share of the above off your plate.

Pro Tip 2: to help save you thousands of tax dollars, work with a CPA, Certified Tax Planner and Tax Master like Janean Kong of Smart Tax and Business Solutions. She also helps you access capital to leverage life’s demands, provides proactive tax strategies throughout the year, and is able to represent you in court against the IRS should you need.

I hope this helps you begin to wrap up 2020 successfully. Stay tuned for Steps 2 and 3 in our upcoming blogs!

Know Your Worth

We hear from people we love and appreciate all the time- know your worth. 

Whether it’s your sister, your mother, a friend, or a co-worker, this healthy reminder is handed out to us by trusted allies to wake us up to the fact that we are indeed worthy of the life we’ve always dreamed of, the relationships we’ve always wanted, the house, the career, and whatever else is on our bucket list. What that looks like for each individual differs, but one thing we all share in common is that we all have held ourselves back from time to time. Whether we shrank out of the fear of standing out, or passed on opportunities because we didn’t truly embrace our power, it’s time we make a valid effort to start choosing differently in those moments and to give ourselves permission to make the purchase, achieve the goal, or buy that membership once and for all. 

This Forbes Magazine article was written by a career coach and consultant who touches on why the issue of self-investment is more prevalent in women than men. In her field, she’s found that men are often quicker to purchase her services and see the value in self investment where as women tend to struggle more with it. Her male clients see the value in spending money on professional services, knowing and trusting it will take them to the next level, where as women typically feel they need to check with someone else first, do more research, or wait for the right time. What she found is that women are often more afraid of the idea of gaining more success, and, of course, believe the money would be better spent on somebody else other than themselves. Now if this sounds like you you are not alone, but we at RUSHwahine are here to encourage you to break these mental blocks and take back your power once and for all. We want you to reach for the stars. We want you to stop listing all the reasons you can’t grow, even in times like these, and start listing the reasons why you will! 

That is why membership at RUSHwahine is so valuable. In our network, you have 24-7 access to like-minded female business leaders who you can bounce ideas off of, get advice, leads, and encouragement. Membership also comes with a mastermind accountability group, where twice a month you meet with the women in your cohort to set professional goals and maintain focus on your financial endeavors. And it’s only $40 a month. The best part of being a RUSHwahine member is that you get out of it what you put in. But one thing is for sure- you will guarantee make your membership back through sales, collaborations, and exposure. So, today, we would like to ask you- what’s holding you back? What’s your excuse? Buy your RUSHwahine membership today.  You are worth it!


You and Your Money

I’m sure if I asked each one of you why you got into your business in the first place, you would share with me your passion for what you do and your love for having the freedom to go and be where you want on your own dime and on your own time. We all do what we do for the love of it, but in the end we still are in our businesses to make money. When we aren’t sure of where we stand financially, it can crumble our confidence as business owners and the negative trickle effect ranging from loss of client interest or revenue up to resenting your business can be detrimental. So how do we manage our relationship with money so we can forget about the “numbers” and tap into the abundance that is already there? Read on to learn more.

Your relationship with money first and foremost needs to be one where you are in CHARGE, not the other way around. And how do you do that? Through organization my girls! Here’s my recommendation on how to organize your business and personal finance accounts so you don’t feel like you’re constantly chasing the penny.

  1. Start off with a “BUSINESS” CHECKING ACCOUNT aka business income/expense account. In this account you will need debit, checks and bill pay. Here you will deposit all business income and pay all business expenses including your salary (which includes your personal bills), client entertainment, business travel, workshops, membership dues, business subscriptions, auto, phone etc. This account is dedicated to all things business tax deductible/taxable.
  2. Create a PERSONAL CHECKING (DEBIT) ACCOUNT aka your play account. In this account you need a debit card but no check books or bill pay. Instead, take your salary from your BUSINESS ACCOUNT and deposit your pay (should be enough for your personal bills and spending money) into your personal checking account. This account is your play money, your “self-love” account, if you will.
  3. Create a second PERSONAL CHECKING ACCOUNT aka your personal bills account. In this account you will need checks and bill pay. Here you will take money from your personal debit and deposit to your personal bills. You can pay all your personal bills from here via online or check and no debit card will be needed for this account.
  4. Lastly you’ll need to create a PERSONAL SAVINGS ACCOUNT aka stash account. In this account you won’t need debit or bill pay as it’s simply a holding account. For instance, a good rule of thumb is to set aside 25% of all income for tax purposes therefore, each time you deposit income into your BUSINESS CHECKING ACCOUNT you want to  transfer approximately 25% of that income and deposit it into this account. The win, if done consistently is that by the end of the quarter you should have enough to cover your GETs so that you’re not paying out unexpected, sometimes large sum of funds.

RECAP: BUSINESS CHECKING ACCOUNT: helps organize and track all business income/expenses. Makes life a littler easier come April 15th and you always know the financial state of your business. PERSONAL DEBIT ACCOUNT: you don’t have to worry if you have enough in your account to cover a pedicure or that blouse you’ve been eyeing again because the only money in this account should be for pure play which is great motivation to grow it the most. PERSONAL CHECKING ACCOUNT: a common culprit of NSF (non-sufficient funds) is that the account holder is debiting from the account but forgot that there’s floating checks out there waiting to be cashed or the date when an automatic deduction for a bill takes place so spending money that’s already claimed hence the bounce. If the only money being deposited here is to cover bills there should be no surprises. SAVINGS ACCOUNT: is where you store money throughout the year for anticipated expenses and can help get you through unexpected financial situations.  

If you manage your money like this each month you will save yourself the stress of tracking and only have to run the activity report from your BUSINESS ACCOUNT for bookkeeping needs. And just imagine the relief you will feel knowing your money is organized, on track, and in the right place at ALL TIMES!

Another tip on how to build a positive relationship with your wallet is if you use credit cards, use one card for business only and the other for personal and do your best to not double dip. Use an excel or airtable spreadsheet to budget and keep track of finances too so you know how your time (and your money) is being spent.

Those are a few of my money management tips to help you build a relationship your money get back on the same page. Please contact me if you have any insight or questions and I hope to hear from you soon. XOXO.

The AVA’s of Success

This past Saturday, a powerhouse group of 25 women showed up at Aloha Beer Co., a chic bar in Honolulu’s historic brewing district. There, we mixed, mingled, and talked business before the holidays. Replete with prizes, activities and special vendors, this champagne-infused talk-story was by far one of the best of the year. Tears were shed, hearts were opened, and fears were conquered.  

The day’s conversations focused on encouraging members to determine their power word for 2020, reflecting on the past year and getting ready for what’s to come in the next month. Moments of incredible breakthroughs occurred, and stories of resiliency reminded us all that we are strong and impressive women with the courage and faith to create and excel in our own businesses that feed ourselves, our family, and our soul.

It’s events such as these, that provide a space for you to take time to reflect on your business, where it’s been and where you want to take it. That can help you tap into your truth, your inner goddess strength and warrior mentality, that you need to grow in your professional life. Sometimes we, as women, have a tendency to not allow ourselves the proper time to embrace such moments, and that’s why Saturday’s event was so special. So let’s not lose sight of that this week and remind ourselves to help each other, stay focused on our goals, and continue to build solid relationships.

­­And one such way to do that is by becoming a member. Members receive support, much like what was experienced on Saturday, through mastermind accountability sessions. If you sign up to be a member of RUSHwahine, you will  participate in a mastermind class two times a month on zoom, where you can receive an opportunity to share your business goals and receive feedback on how to accomplish them. In light of the amazing responses from this weekend, Terra is offering a sample mastermind to those interested in becoming a member Thursday, Dec. 19 @9A. Register here to see what this unique benefit can do for you and your business goals.  

A huge mahalo to everyone who came out Saturday and thank you to all the vendors who shared their products with everyone. Those present were Paradise Nannies Hawaii, Kapa Hawaii, H20, Hawaii Client gifts, Maui Honey Bee, Dezion, LLC., and Charismatic Beauty.  Another shoutout to our performers on Saturday, Simple Souls, and Maile for lifting our spirits with your soulful sounds!

As we move forward this week in our lives and in our businesses, please take with you what you left with at the event. Please take your power, your courage, and your inner strength into next week knowing that you are a badass woman first and foremost. Take chances, push yourself, and don’t be afraid to step outside of your comfort zone.

Keep checking back to our blog to stay up to date regarding the latest RUSH events. Contact us if you have any questions and enjoy the rest of your week. xoxo