Welcome to Business & Finance Pro for Photographers! 🧑‍🎓💰



The world’s first and ONLY course specifically designed to help real estate photographers DEMYSTIFY and achieve MASTERY over their personal finances & business…


So you can enjoy the peace of mind that comes with growing your photography business AND your personal net worth… WITHOUT unnecessary complexity… Or having to figure it all out on your own...


...even if:


• You have inconsistent income from your RE Photography business 

• Your RE Photography business is brand new (or even doesn’t EXIST yet -- I’ll teach you habits that will help you get your business off on the right foot AND last a lifetime)

• You don’t know the first thing about personal finance or investing



Here's what you'll get when you join! 👇

 

Join Personal Finance & Business Pro

for Photographers! 👇


$897

One Time Payment | Lifetime Membership

One Time Payment | Instant Access & Lifetime Membership

8 payments of $125/month

8 Month Payment Plan | Lifetime Membership

8 Month Payment Plan | Instant Access & Lifetime Membership

Course Curriculum👇

  MEMBERS PRIVATE FACEBOOK GROUP
Available in days
days after you enroll
  INTRODUCTION
Available in days
days after you enroll
  PERSONAL FINANCE | WHY INVEST
Available in days
days after you enroll
  PERSONAL FINANCE | MECHANICS OF INVESTING
Available in days
days after you enroll
  PERSONAL FINANCE | HOW TO INVEST MORE
Available in days
days after you enroll
  PERSONAL FINANCE | LIFE HACKS
Available in days
days after you enroll
  PERSONAL FINANCE | FUNDAMENTALS
Available in days
days after you enroll
  PERSONAL FINANCE | DEBT & SHOULD YOU AVOID IT
Available in days
days after you enroll
  BUSINESS | FUNDAMENTALS
Available in days
days after you enroll
  BUSINESS | SPENDING & DEBT
Available in days
days after you enroll
  BUSINESS | HACKS
Available in days
days after you enroll
  GOING FORWARD...
Available in days
days after you enroll
  BONUS VIDEOS
Available in days
days after you enroll
  RESOURCES
Available in days
days after you enroll
  RECOMMENDATIONS
Available in days
days after you enroll

Hey everyone, Eli here…


Years ago, when I first started Norman & Young, I had a vague notion that I should be “smart” about my finances…


For example, I knew that my business finances should be organized, and that I should be keeping track of them…


I was also aware that I should be saving and investing a portion of my income…


I knew I should be doing it for my retirement… For a “rainy day”... Or even an emergency of some sort…


And yet, I did NONE of it!


Looking back, it seems crazy to think that I was totally winging it with my finances… 


I was clueless about things like business banking, managing my day to day revenue, how to properly structure my business, how tax deductions worked for a photography business, and pretty much EVERYTHING else!


This was also affecting my PERSONAL financial situation because it affected my income, my savings, and my overall financial situation…


I wasn’t prepared for even the slightest bump in the road! I mean, what if I would have gotten sick, or hurt, and not been able to work for a while…


It would have been a disaster because I had absolutely no safety net whatsoever! 


I did, however, have a bunch of EXCUSES…


I told myself my retirement was so far away…


That I was too busy building my business, and couldn’t worry about that finance stuff now… 


That investing was RISKY...


That I’d figure it out LATER…


That I wasn’t even making ENOUGH money to save or invest…


That I’d get to that SOMEDAY when I was making enough money for it to make sense...


And that if I just focused on making MORE money in my photography business RIGHT NOW, that my finances would somehow turn out fine.


The worst part was that -- as I would later find out -- NONE of these things were true. 


Not a single one of them!


They were just convenient stories that were easy to believe, because they helped me AVOID the intimidating subjects of personal and business finance -- AND because they fed into my MISTAKEN HIDDEN BELIEFS around these subjects in general!


I’ll tell you more about those mistaken hidden beliefs below, but for now, suffice it to say that I’d fallen prey to some of the more common MISCONCEPTIONS about personal and business finance… 


And, unbeknownst to me, I was like a truck driver asleep at the wheel, heading right toward the edge of a cliff…


My big wake up call


Fast forward to July 2017... I’d just had my biggest earning month from my RE photo business -- over $15,000 in a single month! And yet I had NOTHING whatsoever to show for it...


That’s right… Even though I’d earned over $15,000 that month, at the end of the month my bank account was STONE COLD EMPTY!


I almost couldn’t believe it… I’d been working for MONTHS to achieve an income goal like that, and now I’d actually DONE it and still had nothing to show for it.


I started to wonder if I was really cut out to be a business owner… Like, maybe I was just a photographer who didn’t know how to run a business after all!


Now there was a glimmer of hope because obviously I was able to reach that level of income to begin with… 


Mostly because I’d developed a great system for getting lots of Real Estate Photography clients, getting lots of repeat business from those clients, etc.


But I learned a painful truth that month…


It doesn’t matter how good you get at MAKING money in your Real Estate Photography business… 


If you don’t have good systems for KEEPING that money (and preferably turning it into more wealth over time), then WHAT is the point??


Those hard-learned lessons gave me the wake up call I needed…


I knew that I had to finally figure out the financial side of my life -- and my business -- once and for all.


An early setback on my new journey


One of the biggest hurdles I met with on my way to personal and business finance mastery was the simple fact that most of the “expert advice” I encountered was geared toward people with a different background to mine.


For example, being a self-employed photography professional, I found that my income had a tendency to be different from month to month… (For example, December is generally a slow month for real estate photographers)


Yet most of the financial advice I read about assumed that the reader had a 9-5 job and made the same amount of money every month! That just didn’t work for me -- which I found frustrating.


Another issue was that most of it was simply geared toward people who were NOT self-employed. 


Again, that was a huge sticking point for me because I had questions that the average American never considered…


Like, when should I consider hiring a bookkeeper? How should I be thinking about my health insurance? 


These are just a couple of examples but there were SO many more issues I had to deal with as a self-employed photography professional, that the average person simply didn’t have to think about…


And I found it extremely difficult to find answers to these questions because most of the financial literature out there is geared toward “average” people. 


Even when I DID find some advice about how to handle my finances from a self-employed perspective, it was usually GENERIC, and not geared SPECIFICALLY toward photography professionals…


For example, a lot of it was overwhelmingly complicated -- almost like you needed to be an actuary just to make sense of it!


Well that wasn’t going to work for me...


I found myself struggling to make sense of it all…


I wished I could just find someone who understood this stuff, AND could explain it to me in a way that was SIMPLE to understand… And EASY to put into action… While also being geared specifically toward a photography professional like myself!


Was that too much to ask?! 


Trick question -- because, as it turns out, it WAS too much to ask. ;)


It’s like asking for fitness advice just for photographers… It would be nice if such a thing existed because I’m sure that there are some stretches and exercises that would make the most sense for our specific lifestyle…


But good luck finding anything THAT specific!


I don’t blame the finance experts who write books about this stuff though, because if they only wrote books that were specifically for photography professionals, they probably wouldn’t sell many books!


Yet I also knew I needed something better than just generic advice!


So over the next couple of years I made it my life’s mission to figure this stuff out.


And let me tell you that what I discovered throughout that process absolutely blew my mind!


This was when all my excuses really started to melt away…


Well at first it was more like “chipping away” at them, but the more I learned, the more they just truly disintegrated…


Because I was able to uncover the hidden misconceptions and false beliefs those fears were built on!


I want to share those with you now, because I think they will be incredibly helpful to anyone reading this…


Money misconception #1: The myth of “I’ll invest later”


Remember earlier, when I told you about how I earned $15,000 in a single month, only to have all that money disappear by month’s end?


Well to really understand how that happened -- and why the philosophy of “I’ll invest later” never works -- we need to travel back in time to a year or two earlier...


I’d been making about $2,000 per month in my RE Photography business (it was still a side hustle for me at that time)… 


And my mom kept telling me to make sure I save some of it… (Moms FTW!)


But $2k/month is so little that it seemed impossible to save anything. So I figured I’d do that later.


I told myself I’d start saving “as soon as I start making $5,000 a month”!


Well I reached that milestone pretty quickly after that, but… Then I had to invest in better gear and some other business expenses, SO…


I told myself “I’ll start saving as SOON as I begin making $8,000 per month!”


Well that $8k/month milestone came fairly quickly too, at which point I had to hire my first employee so I could GROW my business. SO……


I PROMISED myself that I’d start saving some money the SECOND I started making $15,000 a month! (Like, for realz this time…)


But once I started making $15,000 a month, I needed even more employees, and some office space, and… Well, you get the idea…


And THAT is how I ended up with zero money in the bank after bringing in $15,000 in revenue in a single month!


But that experience taught me a very hard and valuable lesson, and one that is honestly counterintuitive for most people…


Which is this: Saving money is less about the AMOUNT of money you make, and more about the HABIT of doing it.


Simply put, it does NOT get easier to save “later”, once you start earning more money!


In fact if anything, it’s the opposite… Because by that point you’ve built up a habit of NOT saving, like I just showed you in my story about how I blew through $15k in a single month.


Sure, I “justified” it with the fact that I was using that money to grow my business…


But the fact is that if I’d understood the psychology and math of saving and investing, I could have EASILY had plenty of money left over at the end of that month, while STILL growing my business!


Money misconception #2: “Investing is risky”



With that said, I’ve discovered that smart investing is more about MITIGATING risk.


For example, when I began to look at the stock market, I realized that OVER TIME it was practically guaranteed to go up overall!


The key was to invest the right amounts into the right investments. That’s it.


See a lot of people think you need to invest at the right TIME… But I’ve discovered that isn’t really the case at all.


As long as you choose sound investments, and invest the right amounts, then the timing is mostly irrelevant. 


In fact, I now invest my money at regular, predetermined intervals, regardless of whether the market happens to be up or down! 


This way, I average out my risk, which makes it LESS likely that I’ll face a major downturn on all of my investments.


Another example would be whether to invest in stocks, bonds, mutual funds, or some other investment vehicle… 


At first, I found it complicated to figure this stuff out, but it turns out there are some pretty simple “formulas” you can use to determine which types of investments are right for you.


There really are a lot of ways to keep your risk to a minimum when investing, if you know how to do it.


To think now that this was one of my main excuses for not investing earlier, is kind of laughable... 


...especially when you consider the NEXT revelation I had…


Money misconception #3: “You need lots of money to invest properly”


I recently did an informal poll of people I know, asking them what they would invest in if they only had $250 to start with. 


Can you guess what they said? (Seriously, take a second to think about it and try to guess before you keep reading.)


Pretty much all of them answered, “Well since it’s only $250, I would need to invest it in something that could have a chance to really blow up!”


Did you catch that…


What they were saying was that, since $250 is a relatively small investment, they would want to put it into a high-risk stock with a higher than average return potential…


That’s a very common answer, and yet it is exactly the WRONG approach!


It may seem right on the surface, but when you start digging a bit deeper you can see why it’s precisely backwards…


To show you what I mean and make it crystal clear, let’s play it out. Say you take that $250 and buy a risky stock…


What is the most likely outcome? 


Well since it’s a risky stock the most likely outcome is that you’ll lose money. That’s how risky stocks work!


But let’s say you get lucky -- how much can you make?


Well let’s imagine a “best case scenario” where your stock blows up pretty quickly, to the point where your initial $250 investment is now worth $2,000. What do you do now?


Well now you’re going to want to withdraw it because you’ve already hit the best possible scenario for your “gamble”! 


So you made a profit of $1,750, which is nice, until you consider what would have happened had you chosen a safer investment strategy instead…


Let’s say you instead decided to invest it in something more solid, like an S&P 500 Index Fund... (If you aren’t sure exactly what that is, that’s okay, I’ll explain it in the course. But for now all you need to know is that it’s a relatively safe way to buy stocks...)


Well now it’s unlikely that you would be able to make $1,750 very quickly -- BUT remember that that was ALSO unlikely in the scenario where you invested in the high risk stock! (In other words, you have to get very lucky to make money with risky stocks.)


But then you need to also consider the fact that, when you invest in the S&P 500, it’s also extremely unlikely that you will LOSE money long term... -- which was precisely the most likely ending when you chose to invest in the risky stock!


“Fine Eli, but, what about my projected return on my investment (ROI)? Isn’t it more limited when I buy the safer stock?”


Ah, I’m so happy you asked! Because when you look at the S&P 500, historically over the course of a 30 year period, it tends to go UP somewhere in the neighborhood of 10% per year…


Meaning that, over time, your “lowly” $250 investment is highly likely (and some would say even virtually guaranteed) to turn into thousands of dollars or more!


So you can see that even with small amounts of money, it can make a lot of sense to invest “the right way”.


BUT we’re not JUST talking about the potential to earn thousands of dollars by investing small amounts of money… That example was just for a ONE TIME investment! 


Things get much more exciting if you’re willing to KEEP investing small amounts “properly”, over a longer period of time…


Because of the power of COMPOUNDING. Let me show you how that works...


See each day when I drive to work, I avoid taking a toll road… I save $6.50 a day on tolls by doing that and it only takes me a few extra minutes to get to work…


Then I immediately transfer that $6.50 into my investing account. Now here’s the amazing part…


Can you guess how much money that $6.50 a day will be worth over the course of several decades of compounding interest?


Seriously, take a second and see if you can guess!


Well, if we assume a 10% annual return (equivalent to the S&P 500’s historical return rate) then that money will be worth over $1,000,000 by the time I retire! (Source: NerdWallet Investment Calculator - https://www.nerdwallet.com/blog/investing/investment-calculator/)
THAT is the power of compounding… 
As your investment account grows larger (through your own contributions, as well as your return on investment), the percentage you earn on it (ROI) becomes worth more and more over time.
So for example, earning $10% on $6.50 might not seem that exciting… But as the years go by and my account grows, that 10% becomes much, much more exciting. :)
It’s important to understand this because otherwise it can seem pointless to try to save and invest when you’re on a limited income…
But the truth is you can even start with a tiny number, like $5 a month! And, if you do it consistently over time, thanks to the power of compounding, it can turn into a surprisingly large amount of wealth.
One more major discovery...
Okay so now you’re up to speed on the biggest misconceptions I’ve discovered along my journey to personal and business finance mastery as a self-employed photography professional (wow that was a long sentence!)...
This is important because if you are just sitting on cash all the time, you’ll be losing money every year to the money-eating monster known as INFLATION…
BUT, one of the biggest discoveries I’ve made along my journey is that, before you can invest properly, you need to master not only your personal finances, but also the finances of your photography business.
This is extremely important to understand, because a lot of people go out and get a Robin Hood account and start buying stocks -- but if they don’t first master the finances that are the bedrock of their BUSINESS, it doesn’t work because they’re always LEAKING money out of their business and they will never be able to optimize their PERSONAL net worth.
It’s like sailing a boat with holes in it… It doesn’t matter how good of a sailor you are, the boat will always be taking on water and you’ll never be operating at maximum capacity!
THAT is why I created this brand new course, exclusively for Real Estate Photographers like you and me…
In it, I’ll teach you what you need to know about both the personal finance side, as WELL AS the business side of your finances. This, I’ve learned, is the true path to mastering your finances.
One without the other simply does NOT work.
So without further ado, let’s talk about the course and I’ll show you exactly what you’ll learn inside it!
Introducing: Business & Finance Pro for Photographers
Business & Finance Pro for Photographers is the world’s first and ONLY course designed specifically to help real estate photographers master their personal and business finances!
The course is broken down into two MAIN sections: Your PERSONAL finances, and your BUSINESS finances.
These are designed to work together to give you a solid foundation -- think of it as a “holistic” approach to your finances as a self-employed photography professional!
Below, you’ll find detailed information about exactly what you’ll learn in each section...
What you’ll learn in this course
Let’s go through each part of course, section by section, so you can see exactly what you’ll learn in each module...
PERSONAL FINANCE: INTRODUCTION
• My #1 fear for photography business owners (and how to mitigate it)• Why personal finance isn’t really about numbers, and how photographers like you and I can make sense of it all in a different, more enjoyable way• Why most people are controlled by money, and how to flip the script so you master it instead• Common misconceptions about investing, and how to overcome them• The hidden math of money (or, why a $1,000 purchase can actually cost you $8,000!)• 3 psychological roadblocks that keep photographers from investing, and how to escape them• How to mitigate risk when investing your hard earned money• The difference between investing and speculation -- and how to make sure you’re doing the one that makes more sense for you• How small daily habits can create a surprising amount of wealth over time (without having to cut back on things you enjoy)• Why chasing trends can be risky -- and how to invest your money more wisely• Why ANYONE can start investing right now, regardless of income, and how to do it (you can even start with pennies per day)• How to avoid making investment decisions based on negative emotions or flawed hidden beliefs• Why losing investments often SEEM safer than winning ones -- and how to use that knowledge to your advantage• The simple psychological framework I use to avoid getting upset over temporary losses• What “pay yourself first” really means, and how to do it as a photography professional• Why planning to save or invest later never works, and what to do instead• How to save and invest while still freeing up enough funds to grow your photography business• How to turn dollars into “employees” that generate income for you 24/7/365• The trap that causes many photography business owners to drain their revenue each month, and how to avoid it• The #1 psychological mistake people make when they start investing, and how to overcome it• How to avoid the “emotional roller coaster” of investing• Why NOT investing is actually the riskiest thing many photography business owners can do with their money• What the Time Value of Money (TVM) is, and how to use it to increase your net worth• How to buy stocks “at a discount” by understanding the concept of quantity over price
PERSONAL FINANCE: THE MECHANICS OF INVESTING
• The two main types of investing, and how to think about each one• The basics of stock market investing• Understanding market capitalization, dividends, and other stock market key terms and concepts• Why many people complicate investing, and how to make it simple, easy, and fun instead• An introduction to Capital Gains Tax, and how it affects you• Why buying individual stocks is one of the riskier ways to invest, and alternatives that are less risky• How to automate your investments so you can focus your time and energy on your photography business • The 3 main ways to invest, and how to figure out which one is right for you• How to avoid gambling in the stock market • The differences between mutual funds and ETFs• How to leverage the power of ETFs or Mutual Funds to invest in the highest performing stocks• A simple yet solid investment strategy that works for many people (including multimillionaires and even billionaires)• How to invest when you won’t need to cash out any time soon, vs when you may need to cash out sooner than later• The 2 types of Capital Gains Taxes, and how to deal with each one• Simple guidelines for choosing an online investment brokerage• The “pie strategy” for investing -- what it is, how it works, and how to do it• How to automate your investments with a “robo-advisor” if you want a "hands off" approach• A beginner’s guide to buying stocks• How to navigate stock buying platforms (these can seem complicated, but I’ll show you how to keep it simple)• “Watercooler Investing” -- what it is, and why you should avoid it• How to place an order and purchase a stock (with “live” demonstration)• Why trying to “time the market” (buy low and sell high) is usually a bad idea, and what to do instead• The simple math of Capital Gains Tax, and how you can use it to inform your investment decisions• A safe way to invest a significant amount of money (hint: it’s not to just dump it all into the stock market in one lump sum!)• How to invest in a way that keeps you insulated from temporary bumps and dips in the market• A simple way to invest in stocks by asking yourself just one simple question • Why “I have $5,000, what should I put it in?” is the WRONG type of question -- and how you should think about investing instead• How to avoid getting your profits eaten up by Capital Gains Tax
PERSONAL FINANCE: HOW TO INVEST MORE (EVEN ON A LIMITED BUDGET)
• How to manage your income in a way that virtually guarantees more profits from your photography business• A simple hack for retraining your brain to want to save and invest (vs wasting money on frivolous things)• How to build wealth over time by investing just a few dollars a day• The “hidden” math of saving (or, why saving $100 is really like saving $130!)• The difference between Assets and Liabilities • Understanding the Assets and Liabilities Scale -- what it is, and how to use it to save money (and then invest it)• The “hidden” math of business expenses (or, how people trick themselves into overspending on business purchases)• Why it’s okay and even GOOD to occasionally make “bad” purchases!• How to use your money to have fun -- without fooling yourself or being lulled into financial complacency• Why feeling poor is better than feeling rich -- and paradoxically results in building more wealth over time!• Why the discipline of “saving” doesn’t really work for most people, and ironically results in overspending• Why having extra cash “lying around” is often not a good idea, and what to do with your money instead• Why paying off credit card debt can create a vicious cycle of using more credit -- and how to escape that trap• A simple trick for avoiding buying stuff you shouldn’t (this takes 30 seconds and works like a charm)• How to discover the “true value” of any purchase (hint: it’s not on the price tag!), in seconds• The types of habits associated with good money habits, and how to adopt them
PERSONAL FINANCE: LIFE HACKS
• Simple life hacks that help you become more financially successful AND better at managing your money, in a way that’s easy and fun• How your workstation can impact your financial success -- and how to use that knowledge to your advantage• Why to-do lists can help you earn more money -- but only if you use them the right way (and how to do it)• The surprising daily habit that can make you more financially successful• How to avoid wasting tons of money on monthly subscriptions (including a simple hack for seeing how much you’re REALLY spending, AND cancelling any time you want to -- this is HUGE as most people are overspending like crazy on subscriptions)• How to learn more in just one week, than an entire semester of college!• Simple hacks to help you get unstuck whenever you hit a lull or plateau in your business (these have worked WONDERS for me)
PERSONAL FINANCE: FUNDAMENTALS
• Budgeting -- why it’s the bedrock of personal finance, and how to SIMPLIFY it for yourself and your photography business• How to budget when your monthly income is uncertain (true for many photography business owners, especially when we’re building our businesses)• How to budget safely to prevent having to go back to your job after you quit and go full time in your photography business• How to budget when your photography business is more established and earning more money• Dealing with slow months• How to avoid having to take out loans during lean times• Simple tools to help you budget simply and successfully• The right way to use budgeting tools (this will keep you from being tempted to overspend as your income and wealth grow!)• How to keep yourself psychologically happy when the market takes a temporary downturn• Figuring out when to go from part time to full time in your photography business (hint: it’s not only about how much money you’re earning!)• How to transition from part time to full time in your photography business in a way that’s seamless, easy, safe, and profitable• Why CEOs of big companies don’t experience financial stress, and how you can mimic that for your own photography business• Understanding taxes and tax brackets for self-employed photography professionals• Common tax misconceptions that keep many photography professionals from earning more money -- and how to avoid them• Understanding Self-Employment Tax -- what it is, how it works, and what it means to you as a self-employed photography professional• When and how to hire a professional to help you with your taxes (great for anyone who doesn’t want to figure this out on their own -- but you need to know how to choose the right professional!)• Why getting a tax refund isn’t necessarily a good thing, and an alternative approach• How to ensure you don’t get a big tax bill you can’t handle• Standard vs Itemized tax deductions -- what they are, how they differ, and when to use each one to your advantage• A health insurance loophole that can help self-employed photographers save lots of money on premiums and deductibles• A simple way to get affordable life insurance• Emergency funds vs savings accounts -- the differences between them, and how I think about each one• The downside of savings accounts, and what you should consider doing with your cash instead
PERSONAL FINANCE: TURNING THE TABLES ON DEBT AND USING IT TO YOUR ADVANTAGE
• Making sense of the two main schools of thought on credit card debt • The psychology of credit card debt, and how harness it for your own personal financial gain• When it can make sense to use credit cards to grow your photography business• The one thing you should NEVER do when using credit cards• How compounding works AGAINST you when you use credit cards the wrong way, and how to avoid it• Why many people are paying much more credit card interest than they realize, and how to make sure that doesn’t happen to YOU• What to do if you find yourself stuck with too much credit card debt• Why it can sometimes make sense to “go against the math” when dealing with credit card debt -- and how to do it• How car dealers trick you into overpaying for a car, and how to turn the tables on them (and save thousands of dollars)• Hidden costs many people never consider when buying a car (and how to use that information to save lots of money)• The pitfalls of refinancing, and how to avoid them• Liabilities: What they are, and how they can end up costing you lots of money over time• Why buying some liabilities is inevitable -- and how to do it while minimizing losses• The one thing you should NEVER do when buying a liability• How to end up paying more for equipment, than that equipment is actually worth! (Obviously you should never do this, and I’ll teach you how to avoid it by knowing your numbers)• When debt can work in your favor, and how to harness its power to put MORE money in your pocket
PHOTOGRAPHY BUSINESS FINANCE: FUNDAMENTALS
• The different types of legal entities for your business: Which one is best for your photography business?• The basics of business debt, and how to think about it• DBAs -- what they are and who needs to use them (and when/how to use them)• Should you set up your own business entity, use LegalZoom, or hire a professional? • Business banking -- how to do it, and what to consider• Why I don’t have a business savings account (and why other photography professionals might not want to, either) -- and what I do instead• How to organize your business finances in a way that’s easy to understand and keep track of• Why messy books can lead to big problems, and how to keep your books clean and organized (with minimal effort)• A simple way to keep track of your daily or weekly financial transactions (this will make tax season a breeze for you) • Business tax deductions and write-offs: What they are, how they really work, and how to use them to keep more cash in your pocket• Paying yourself: How to do it, how to figure out how much to pay yourself, and more• My personal spreadsheet YOU can use to keep your business finances simple and organized, and a demonstration of how to use it (it’s really simple, and you can even make a copy of mine with one click and use it for your own business!)• When it’s time to move to Quickbooks (and how to decide if you should do it yourself, or hire a professional)• Accounting documents 101: Understanding the Balance Sheet and the Profit & Loss (P&L) Statement (this may sound intimidating, but I’m going to show you how to make it simple!)• How your accounting documents can affect your ability to get a loan (business or personal), and how to use that information to your advantage• Accountants vs Bookkeepers vs CPAs -- the differences, and what they mean to you and your business• When to consider hiring a CPA• Understanding the different kinds of business insurance, and how to use them to protect yourself financially
PHOTOGRAPHY BUSINESS FINANCE: UNDERSTANDING SPENDING & DEBT, AND HOW TO USE THEM TO YOUR ADVANTAGE
• Cash flow -- what it is, and how to make it work for you• When to consider using credit cards for business expenses -- and when not to• The difference between credit cards and lines of credit, and when to use each one• Term loans, what they are, how they’re used, and when to consider one
BUSINESS FINANCE: HACKS
• How to set your prices as a photography professional• Understanding pricing models: Market Based Pricing vs “Photographer First” Pricing• Why higher prices is not always the path to greater income -- and what is• The pros and cons of scaling your photography business, and how to figure out how much scaling is right for you• The “Stress Zone” of a photography business -- what it is, and how to use it to MINIMIZE stress as you grow your business• Simple hacks for being more creative, solving problems more easily, and coming up with great ideas to help you grow your photography business (I’ve used these myself and they work amazingly well)• Why competition isn’t as much of a threat as most photographers think, and where the REAL threat to your business actually lies • What you can learn from large nationwide business chains (this can help you tremendously as you plan and grow your own photography business)• The one thing you must do BEFORE you scale your business• How to maximize your efficiency by paying attention to your energy, NOT your to-do list• The “Write Off Trap” -- what it is, how it can cost you money, and how to avoid it• My “Gear Closet Test” for minimizing your expenses and maximizing your business income• The many dangers of being hyper-focused on your competitors -- and how to avoid that trap so you’re more profitable with less stress and effort• How to grow your income by spending more time working ON your business, and less time working IN it (and how this is different for photographers than many other business owners!)• Time management mistakes many photography pros make, and how to manage your time effectively -- while working LESS, not more• Dealing with “Imposter Syndrome” and self-doubt• Figuring out when to get a dedicated office space, and how to do it• How office space leases are often structured (hint: it’s not like leasing an apartment or house!), and how to use that information wisely
Private Facebook community and LIVE WEEKLY Q&A sessions
Personal finance is a journey, not a destination! And mastering your business and personal finances is an ONGOING pursuit.
Because of that, I’ve created a dedicated Facebook community EXCLUSIVELY for members of this course. 
Joining this group will be one of the easiest ways that you can stay involved in personal finance, talk with others who are on the same journey, and even attend our WEEKLY LIVE Q&A sessions where I’ll be answering YOUR SPECIFIC questions.
That’s right, I’m going to be answering questions via FB Live sessions each and every week, to help you stay informed, help you get through any potential sticking points, and prevent you from straying from the path. 
This is one of the parts of this program I’m most stoked about, because it’s going to help you leverage your excitement for the long term and help you get the MOST out of this course!
THIS WEEK ONLY: SPECIAL INTRODUCTORY PRICE!
In the past I’ve sold courses and other programs and packages from anywhere from a new hundred dollars to up to several thousand dollars and even higher. I believe in creating high-value programs and charging accordingly!
When you think about the value of mastering your personal and business finance skills, it’s almost difficult to quantify because even ONE good idea can easily be worth 5, 6, or even 7-figures or higher over the course of your career!
Conversely, making one single mistake can easily cost you that amount too. :(
This is why I truly believe that every single photographer should learn this stuff!
Yet I also realize that not everyone has thousands of dollars lying around to invest in a course right at this moment -- and remember, I created this course to help you maximize your net worth after all!
Because of that, I’m offering this course at a very special introductory price…
This is a price that just about ANYONE can afford...



Or to put it another way I don’t believe there is a person reading this who can afford to NOT know this stuff. Seriously, even if you choose not to learn it from me, I hope you’ll at least learn it from someone!
Of course, you can also choose to learn it on your own…
But honestly I don’t think that’s the best route because it took me years and many costly mistakes to figure out everything I teach in this course. 
And even now I’m still learning, which is why I plan to update this course in the future -- and, if you join now, you’ll get those updates absolutely free!
When I look back on everything I’ve learned since starting my own personal finance journey, even ONE SMALL tip from this course could easily pay for itself many times over! 
And taken together I believe that there is virtually no limit to the amount of value you can get from this course over time.
So make sure to act now (I’ve always wanted to say that) and purchase this week BEFORE this special low price disappears!
30 Day Money Back Guarantee
This course is intended to give you practical, actionable advice that makes mastering your personal and business finances as a photography professional simple, easy, and fun. So it’s important to me that you love it and you find it helpful! 
While I am passionate about making courses for photography professionals, I do it first and foremost because it fills a need in the marketplace and gives you the advantages you need to succeed. Most importantly, I don’t believe anyone should have to pay for a course they don’t love!
So if for any reason you aren’t satisfied, don’t think it will help you, or feel you are not a good fit for the program, just email me within 30 days of purchasing and I will send you a full refund. No questions asked!
Here’s a quick recap of everything you get...
✔ Unlimited access to my complete Personal Finance Mastery System -- just for photography professionals!
✔ Unlimited access to my complete Business Mastery System -- just for photography professionals!
✔ Unlimited access to my exclusive Business & Finance Pro for Photographers private Facebook group, including weekly LIVE Q&A sessions with me personally
✔ Access to unlimited future updates at NO additional cost
Plus, your entire purchase is backed by my unbeatable 30-day, no questions asked money back guarantee!


Join Personal Finance & Business Pro

for Photographers! 👇

$897

One Time Payment | Lifetime Membership

One Time Payment | Instant Access & Lifetime Membership

8 payments of $125/month

8 Month Payment Plan | Lifetime Membership

8 Month Payment Plan | Instant Access & Lifetime Membership

Questions about this course?


If you have any questions about this course, just email me at [email protected] and I’ll personally answer them for you.




Hello! My name is Eli Jones and I am the founder of Norman & Young - and the creator of Eli's Academy!


Founded in 2016, Norman & Young has quickly grown from a 2 man team to the 15+ we have now. During this growth process we learned and tested a lot - and have now compiled our best practices into our various courses.

It has always been my belief that the reason most photographers, videographers, graphic designers and others in the creative industry are not as successful as they would like to be stems not from a lack of skill in their craft, but from a lack of the business and customer service concepts needed to build a thriving business. My focus is on changing that.

If you have any questions, please feel free to contact me directly at [email protected]!


*Disclaimer*

Notice to all customers/users of Real Estate Photographer Pro LLC (DBA: It’s Eli Jones, Eli’s Academy). Real Estate Photographer Pro LLC does not hold itself out as a post-secondary school and provides no educational state credits nor any state authorized degrees or certificates that could be used for post-secondary school benefits or alternatives of any kind. Moreover the services and products are not guaranteed to make you money. 

 

The law and my own desire to be straightforward require me to explain and disclose my services, products and business before you purchase from Real Estate Photographer Pro LLC. Our services and products are not designed or intended to have you ‘start up’ a business opportunity, but rather they are directed at enhancing your personal skills and your existing photography business. If you are ‘starting’ a business in photography/videography then you must know that you are doing it without my soliciting you to do so, and that you are doing it on your own volition while using my courses to assist you, and without relying on anything I say as an inducement to buy any of my courses or products to start a business.

 

*Financial Information Disclaimer*

Real Estate Photographer Pro LLC (DBA: It’s Eli Jones, Eli’s Academy) and affiliates and related parties do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction. I am not a CPA, attorney, insurance, or financial advisor. If you need such advice, please contact a qualified CPA, attorney, insurance agent, or financial advisor. Linked items may create a financial benefit for Real Estate Photographer Pro LLC (DBA: It’s Eli Jones, Eli’s Academy). Before investing, please consult a licensed professional. Any stock purchases I show on video should not be considered “investment recommendations”. I shall not be held liable for any losses you may incur for investing and trading in the stock market in attempt to mirror what I do. Unless investments are FDIC insured, they may decline in value and/or disappear entirely. Please be careful!

 

*Earnings Disclaimer*

I don't believe in get-rich-quick methods and can tell you that starting a real estate media company or investing are not get-rich-quick methods. Building a business takes a ton of hard work and dedication in order to be successful. Our courses are designed to help and guide you through the arduous process growing a real estate media business or investing. As stated by law, I cannot and do not make any guarantees about your own ability to get results or earn any money with my ideas, information, programs or strategies. I have worked incredibly hard to achieve my results and cannot guarantee you are willing to put in the same amount of work. I’m here to help by giving you my greatest strategies to move you forward, faster. However, nothing on this page or any of our websites or emails is a promise or guarantee of future earnings. Any financial numbers referenced here, or on any of our sites or emails, are simply estimates or projections or past results, and should not be considered exact, actual or as a promise of potential earnings - all numbers are illustrative only. Results may vary and testimonials are not claimed to represent typical results. All testimonials are real. These results are meant as a showcase of what the best, most motivated and driven students have done and should not be taken as average or typical results.

 

You should perform your own due diligence and use your own best judgment prior to making any investment decision pertaining to your business. By virtue of visiting this site or interacting with any portion of this site, you agree that you’re fully responsible for the investments you make and any outcomes that may result.


*Disclaimer*

The income figures stated on my site, in my ads, and in my webinar training, are my personal results. Please understand my results are not typical, I’m not implying you’ll duplicate them (or do anything for that matter). I have the benefit of 7 years of real estate photography experience and training. The average person who buys any “how to” information gets little to no results. I’m using these references for example purposes only. Your results will vary and depend on many factors …including but not limited to your background, experience, and work ethic. All business entails risk as well as massive and consistent effort and action. If you're not willing to accept that, please DO NOT GET THIS PRODUCT.


Have questions about Real Estate Photographer Pro LLC (DBA: It’s Eli Jones, Eli’s Academy)? Please email [email protected]