Financial Feminist - millionaire mindset: lever theory

Episode Date: May 19, 2026

What if the real reason you're not hitting your money goals has nothing to do with how hard you're working? In this millionaire mindset episode, I'm introducing you to the Lever Theory, the framework that completely changed the way I run my $7.5 million dollar business and manage my own finances. Ever felt like you're pushing a boulder up a hill and getting nowhere? Well this episode is going to reframe everything. We're talking about why hustle culture is lying to you, why you have to know your numbers before anything else works, and how to find the one single move that closes the gap between where you are and where you want to be. No grinding required. Visit ⁠https://herfirst100k.com/ffpod⁠ to sign up for the free Savings Sprint and stay up-to-date on all resources mentioned on our show! The #1 Mindset Holding You Back podcast episode: https://herfirst100k.com/financial-feminist-show-notes/142-the-1-mindset-holding-you-back-in-life/  00:00 Intro 00:47 Why working harder is almost never the answer 01:10 What Millionaire Mindset is about 03:19 Why hustle culture disproportionately traps women 04:07 The lie: more hours = more output = more worth 06:05 Grinding past a certain point is just expensive noise 08:45 You can't set goals if you don't know your numbers 10:05 The ostrich effect: putting your head in the sand 11:36 You cannot pull a lever you can't see 13:06 The Lever Theory explained 14:28 Finding the gap: a revenue example 15:43 The three questions to find your lever 18:35 Implementing the Lever Theory beyond business 20:49 Working smarter, not harder 22:09 Saving Sprint announcement 24:09 Why we resist finding the lever 26:14 The all-or-nothing mindset sabotaging your goals 27:10 Analysis paralysis and the fear of simplicity 29:21 How to find your lever (5 steps) 33:29 Your homework: find the lever this week Learn more about your ad choices. Visit megaphone.fm/adchoices

I run a $7.5 million business, and I will be the first person to tell you that working harder is almost never the answer. So today I want to talk to you about what the answer actually is. Hustle culture has sold you a lie, not a little white lie, but a big gas-lady lie, that hustle and burnout are the only way to get to your big goals, whether financial, career, or otherwise. And today, we're blowing that up. Because what if I told you that the real reason you're not hitting your money goals has nothing to do with how hard you're working? What if the problem is actually that you're working too hard on the wrong things. If you have a financial or career goal right now, a savings milestone, a debt payoff target, a revenue number, and you feel like the only way to

hit it is by pushing a boulder up a hill, I need you to keep listening because I promise you there is a better, more effective way that no one is talking about. Hi, I'm Tori. I'm a money expert, a multi-million dollar business owner, and I've helped five million women be better with money. And today on millionaire mindset, we invite you back to do the mindset work, to turn you in into a millionaire. This show is buy a millionaire for people who want to be millionaires, but more specifically, talks you through all of the really necessary mindset and goal-setting work you need to do to get you to where you want to be. Because frankly, I hate that so many people in the internet tell you to dream your big dreams, but they don't tell you how to get

there. But first, a word from our sponsors. This podcast is sponsored by Squarespace. When my partner was launching his business last year, I was like, great, you need a Squarespace website. That was The first thing we did was sign up for Squarespace, and we signed up on Friday using my code, and by Monday he had a brand new website and was already making money. Yes, really. He used their cutting edge design tools to design a perfectly navigable website, that's a word, and the ability to offer services right within Squarespace, so he was not using a third-party platform. And with the analytics tools in the back end, we could see exactly where people were coming from and where they might be getting stopped. Head on over to Squarespace.com for a free trial, and when you're ready to

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So when we talk about hustle culture, of course it's been demonized. Of course, because we're all burnt out and tired. And unfortunately, hustle culture and grind culture, which is this commitment that you need to be

working constantly with no breaks, no rest, no balance, it disproportionately traps women. This narrative, unfortunately, feels very appealing because we've been told largely as American specifically, but just generally that if you want something, you're going to have to work hard. And I agree with that. I think if you want anything, you're going to have to work

your ass off. But we have believed the lie that hard work equals success 100% of the time. And we know that's not true. And we've also learned that if we're not getting to where we need to be, that we should just put more effort in. We should grit our teeth and grind harder. But the cultural equation we've been sold that more hours equals, more output equals more worth is just not working. And I would be the first to tell you if it is, but it's not. It's not working for us and our sustainability of our lives, but it's also not even effective for achieving our goals. And women are especially susceptible to hustle culture because we've had to work twice as hard our entire lives. We've been having to work twice as hard to be taken half as seriously.

And overworking just feels like survival. It doesn't feel like a choice. at this point. But the little dirty secret is that past a certain point, grinding is just expensive noise. And I have had to learn this over and over and over again in my own life. Yes, in the pursuit of my 100K and beyond that into financial independence, but really I've had to learn this in becoming a business owner. There are so many moments in our business where if we're not achieving our goals, we're not hitting revenue or we're not where we want to be. Traditional business advice is, well, then you're not working hard enough or you're not pushing yourself or your team hard enough.

And it's one of those things that is so easy to get caught up in because you see other people working really hard. You believe that, okay, maybe this should be difficult in order to work. Like, I know that results are not going to come easy. so maybe I just need to keep pushing. The problem is when you push harder, things actually get more difficult. And I know that sounds really like maybe no duh, but if you have not yet been in a situation, whether in your personal finance journey or in your entrepreneurship journey or in your career,

where you feel truly like you're pushing a boulder up a hill and you're making no progress, it's just the most frustrating thing. And it's so easy to then say to yourself, well, I must not be working hard enough. I must not be pushing hard enough. When really, I want to teach you the system that is absolutely going to change the way that boulder gets up a hill. And it's not through growing bigger muscles and it's not through more effort. Before we get to the lever theory, which is what we're talking about today, the system that

radically, when implemented in my life, changed everything for me. We first have to figure out what's actually going on. And you've heard me say this over and over and over again. But I can't even apply the lever theory to you or your life or your business until I know what's going on in your business or your life or your money. Because the thing nobody talks about when we talk about financial stress is that most women don't actually know what's going on. And that might be you. You might tell me, oh, yeah, I vaguely know what's going on. But if you can't tell me what your monthly spending is, if you can't tell me what your net worth is, if you can't tell me the exact number you would need to quit your job or to leave the relationship or to weather a bad

month, you don't actually know what's going on. And you are still in a place where you are asking yourself to push that boulder up a hill because you can't set intentions, you can't set goals, you can't actually make progress unless you know what the fuck is going on. And I know that there's so many of you listening who are like, I'm working really hard, Tori, and I'm really trying. And I see that. But work that is aimless, work that is just running on a treadmill does not get you where you want to be. So if you don't actually know what's going on, if you don't actually know your numbers, then how do you expect to make progress? I'm realizing this in my own life. I'm on a fitness journey this year. I'm working with a coach. I am taking measurements. I am doing progress

photos. I am doing check-ins every week with her to see what my progress is like. And of course, the reason she's having me do that is not just so we can tweak and optimize and figure out what's not working, but also so that I maintain momentum and motivation. Because motivation doesn't just come on a whim. Motivation comes from us putting in the work and seeing progress. So if you don't know your numbers, you're just managing your entire life right now off of vibes and hope. You're just like, well, maybe things will be fine. Maybe they won't. Of course, you feel stressed about money. And the irony is, is that you're not actually stressed because of your financial situation, like the money is not stressing you out. You're stressed because you have no idea what the hell's

going on. We call this the ostrich effect at her first 100K. You put your head in the sand. You act like your problems don't exist because if you don't look, you don't have to feel the feelings, right? It's just easier. But you're listening to millionaire mindset. You're listening to millionaire mindset on financial feminist. You know better. You know that in order to get to where you want to be. You have to un-oestridge yourself. And I get it. Looking is scary. But ostriching is costing you so much. It's keeping you stressed about something you can't fix because you can't see it clearly enough to fix it. You're not anxious because your situation is hopeless. You're anxious because you're operating in the dark. It is the monster you can't see right now. You're scared of the monster

under your bed or in your closet because you have no idea what it looks like. What if it looks like? What if it looks like Sully. I would love a monster in my closet that looks like James P. Sullivan, okay? Your monster in your closet could look like Randall. Okay, that would be a little scary, but at least you know what Randall looks like, or it could be James P. Sullivan, Monsters, Inc. Daddy. And yes, you could quote me on that. But ultimately, you cannot pull a lever you can't see. Okay. The entire lever theory, everything I'm about to teach you, it runs on data. The reason I can look at... at my life and my business and my money and actually start making change is because I know what's going

on. I know my numbers. I know what works. I know where the margin is. I know where the gap is. I know all of these things. So if you don't know your numbers, you don't have a gap. You just have a feeling. You just have a, oh, I think. I need you to know. You cannot actually figure out how to be better with money, how to get to where you want to be in your career or in your business or in your finances until you know what the hell is going on. So before we go any further, and I know you're like, okay, Tori, what's the lever theory? The title of this episode is the lever theory. What's going on?

The reason I haven't told you yet is because it does not work unless you actually look at your money. I will get there. I promise. I'm going to get there in like a second. But I don't want you in my DMs being like, that doesn't work for me. If it's not working for you, it's because you. it's because you don't know your numbers.

This is your moment right here. Before I tell you how to implement this, it does not work unless you know your numbers. So this is your moment. You're going to pull up your bank account. You're going to check your budget. You're going to actually know what's in there because the lever is absolutely useless

without the data to actually aim the lever properly. So we're going to do that first. Go look at your numbers. Feel free to pause this episode. Come back when you're done. I've been collecting staples. lately, I've been a lot more intentional about finding pieces in my wardrobe that I can just drag and drop. I literally came from packing for a work trip to record this. I have my cute little tank top

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That's rocketmoney.com slash FF pod. Rocket money.com slash FF pod. Okay, here's the lever theory. When I was running my business, and especially as it was getting traction, 2021, 2022, 2023, there was a lot of things happening at once. 2021, we were going crazy viral in TikTok.

and getting like 50,000 followers a week. It was wild. 2022, I was in the process of writing and then releasing my book. I went on a book tour. 2023, we had a lot of transitions with our team. We had a lot of periods of growth. There was a lot going on in about a three-year span. And I was frankly burning out pretty hard, especially around the book launch. I remember getting to 2023 and feeling absolutely exhausted. because we were all working hard. Like, I was out here grinding and working really, really, really, really long hours. And I remember thinking there's got to be an easier way.

Like, there's got to be an easier way to, like, hit our revenue goals, to become a New York Times bestseller, like, all of these things. And yes, I put a shit ton of hard work in. And all of your goals that you have, you're going to have to put the hard work. in. But when I instituted the lever theory in my own life, but also in our business, things radically changed. So the core idea of the lever theory is that every goal has a gap and every gap has a lever. And in this case, I would define lever as a single disproportionately effective move that closes that gap. So let me give you an example. If we are coming up to the end of the month, maybe in the last

couple days or the last week, and let's say we are a short gap away from a specific revenue goal. So I'll give you an example. If we're at 450K or maybe $472,000 for the month, I will then ask myself, how do I get to 500? And it's maybe not even because I absolutely need to get to 500. It's more the fact that this might be fun. And when I say this might be fun, I don't mean that in a frivolous way. Like I take my business very seriously. But I also view business and goals as a fun little game, like a problem to solve. So if I'm trying to bridge that gap from 450 or 470 to 500, what is the one lever that I can pull to get me there? How do I find that lever? So for us in our business, it might be sending one email or even sending a couple emails to one targeted group of people.

It might be doing a $48 offer or a flash sale. It might be doing one Instagram post for us. Now, we're at the level of business where it might just be one thing for us as our lever or even a handful of things. For you and your business or your finances or your life, it might mean pulling a way bigger lever or pulling a bunch of little tiny mini levers. But the goal is not, how do I create an entire new product to launch? Or how do I put in 15 hours of overtime this week? It is simply, how can I find one specific lever to pull that will be disproportionately effective? And this is not luck. This is not me being a genius.

This is a learnable, teachable skill. So the three questions I'm asking myself when I'm staring at a gap. right? And this might be, if you're an entrepreneur, revenue, absolutely. But it might be, oh, I want to get to this amount of money saved by the end of this month. How do I get there? Or how do I pay off this amount of debt, right? I am paying off $450 worth of debt this month. How do I get to $500? The three questions I ask myself. One, what is already working that I can do more of? I don't have to reinvent the wheel here. If the wheel is already operational and it's effective, why would I reinvent it? How do I just make that wheel even more effective? How do I grease that

wheel even more? The second question, what is the smallest ask I can make that will give me the biggest potential return? Because yeah, I could say, oh, we're going to grind for the last week and do an entirely new offer and we're going to put it out and like, that's a lot of work for me. That's a lot of work for our team. So if I have a limited amount of time, and that's on purpose, right? We're giving, parameters, we're giving barriers to work in, what is the smallest ask I can make that will have the biggest potential return? What is the smallest thing we can do that will have exponential results? And finally, what can I do in 48 hours or less? And if you want to expand this to be a couple days, fine, but I do think constraints are good here. Forty-eight hours is a great constraint to get

you to where you want to be. So the lever theory has absolutely transformed the way we think about our business, the way we think about our goals. And it's something we're actively implementing across channels and across our teams to be able to say, hey, if we are X amount away from a particular revenue goal or from a particular internal goal of like certain amount of partners or downloads for the podcast rate, how can we use this one lever pull it for disproportionate results? You can do this with your teams if you are managing a team either at a company that you own or at a company you don't. Or if you're not a manager, if you're not a leader in your company, you can do this for yourself. You can make this a game for yourself.

Oh, I want to pay off $500 a debt. I'm only at $4.25. What is the one lever I can pull? Maybe that's negotiating a bill. Maybe that is cutting back temporarily on something so that you can get to where you want to be. Because here's the other fun thing that happens once you start pulling levers is, one, you hit your goals. way faster and way easier, but also, too, it starts to become just a habit you're thinking about all of the time. And it's so effective for not just this goal or this situation right now, but every single month, every single year for the rest of your career, for the rest of your business, for the rest of your financial life. Because it's like, ooh, you start seeing levers

everywhere. And you start even in like times where you don't need the lever asking yourself, oh, that would be a great lever for later. How do I log that to make sure I can go back? I know what levers work in my business. I know what levers work in my financial life. I also know what levers don't work. I tried them. I pulled them. They didn't work. That's great data. But ultimately, this requires slowing down to actually consider your levers before acting, right? This is not me out here like pressing a bunch of buttons like I'm trying to fly a plane, right? This is very intentionally going, okay, this I think is a lever and I believe this can work for this particular situation. This is deeply uncomfortable for people who are high achievers because it requires you to actually

be methodical and intentional as opposed to just, let's try a bunch of shit and see if it works. That is not what a millionaire does. A millionaire makes thoughtful, intentional decisions and finds hacks along the way to make this easier, right? The lever theory has changed the way I run my business, has changed the way I think about my personal finances. It's also changed my mindset because it is so intentional. It's not me out here testing a bunch of shit and throwing a bunch of spaghetti at a wall and seeing what sticks. It's throwing one noodle at a time. So let's talk about how you can implement the lever theory beyond your business. So this framework I presented of like my profit and loss statement or my revenue goals for my business,

you can do this too if you're a business owner or if you're someone who is in charge of revenue at your company. But beyond running a business or beyond entrepreneurship, the lever theory can look different for you. Debt payoff. We kind of talked about this already. But let's say you're 2K away from paying off a credit card. The lever is probably not going to be spend less on coffee because, you know, $2,000 divided by $7 is a lot. of coffees, okay? But it could be a single bill negotiation call. It could be selling something you don't use, or it could be one shift of overtime, that one lever. Maybe you have a savings milestone you're trying to hit. You're $500 away from a fully funded emergency fund. That one lever might be pausing a subscription category for 60 days. Or it might be, again, negotiating a bill. It's not a full

budget overhaul. It's not, oh, I'm going to just like completely quit my job. So I'm can start this other thing, it's the one specific lever. If you have an income gap, if you're 10k away from a salary goal, the lever might be one really well-timed negotiation conversation, not an entire huge job search, especially in this economy. The through line of this is you don't need a new plan. You don't need to completely reinvent yourself. You don't need to push harder. You just need the right move at the right time. And you need to know what that right move is. And you need to know what that right move is so that you're not wasting that time. The reframe here ultimately is that we are working smarter, not harder. Finding the lever is not lazy. In fact, it's the most strategic thing you can do.

It allows you to make smart use of your time, energy, and the resources at your disposal rather than trying to reinvent the wheel or invent new resources. And ultimately, strategy is what separates people who hit their goals from people who burn out three quarters of the way there, right? This is what separates millionaires from everyday people. Okay, quick pause, because I want to tell you about something that is literally built for everything we just talked about. We are running a savings sprint. And before you roll your eyes at the word sprint or challenge, this is not a restriction thing.

This is not give up your coffee. You know me. We don't do that shit. It is a week of daily money lessons delivered to your inbox every single morning with short, actionable things designed to help you find where your money is actually going and build the kind of habits that stick after the week is over. The saving sprint is literally helping you find and pull the levers because your goal is your goal, whether you're saving $50 or $500 or $5,000, the point isn't the number, it's the momentum. And this is where it's so crucial because we've been talking about this whole

episode. You don't need a perfect plan. You just need the right move at the right time. And this sprint is the move. Okay, so the number one action step you're going to take right now at this moment, her first hundredk.com slash ffpod to sign up for that free saving sprint. It's free. I expect you to do it. There's no reason not to. I know you're listening to this episode. I know you want to change your life. I know you want the easiest path possible. Great. I've created it for you. Herfirsthenderk.com slash fffpod. Okay. So with the lever theory, let's be honest about why we resist finding the lever even when we know it exists. There are a couple of things that are going to get in the way here as you start

implementing this theory into your life. The first one is you're going to immediately have guilt for not pushing the boulder up the hill. You're going to have guilt for not doing enough because rest and strategy feel like cheating because we're like, we should be working harder. It should feel really difficult, right? It's the same way that like we go to the gym and if we're not walking out a sweaty mess, it didn't count, right?

it's like, I have to do the hardest thing possible to get my gold star. No, you fucking don't. You don't. Nobody gets more gold stars for making it hard, right? You don't get additional kudos because you've made this harder on yourself. In fact, I can tell then you're not a strategic thinker. Like, I can tell then that this is not something that is actually going to pay off in your life and that is actually going to get implemented because you just want to feel like you've done something

as opposed to actually doing something. And that's not your fault. You've been told by society that rest, strategy, all of these things feel like cheating. They're not cheating. They're smart. They're strategic. One of the other mindset things that's going to get in the way is that all or nothing mindset. If I don't go all in, then I'm not really serious about it and I may as well just ignore it, right?

or the, oh, I'm already in this this far, I may as well just keep grinding, even though the grinding's not working. The all or nothing mindset will sabotage you every single time. In fact, we've done before an entire episode on the all or nothing mindset and how it's actively killing your goals. So please, if you have not listened to that one, add it to the queue. Make that the next episode you listen to or watch. The analysis paralysis is also going to start creeping in. Because when there's too many potential levers, we freeze instead of just picking one. You're going to try to find the perfect lever, because I know you. You think that being perfect is how you succeed in your goals, when in fact, done is just better than perfect. I know, I know you. It's crazy. Stop trying to

find the perfect lever. Find one. See if it works. If it works, great. You can use it again. If it doesn't work, you know now. We do quarterly leadership retreats at her first 100K where we lock in for full days of strategy. And listen, if you've ever been in an eight-hour meeting about the future of your business, you already know you're not remembering everything. Like, you think you are, you're not. And the frustrating part is the best, most important decisions, they happen in those rooms. I used to walk out feeling good and then two days later be like, wait, what did we actually decide? So I stopped relying on my brain alone. Now I use the plod note pin S. It clips on and with one press captures everything. Of course, with everyone's consent. And afterward, I don't have

have to piece things together. I get a clean breakdown of what actually mattered, what we decided, and what happens next. And if I need to find something later, I don't have to scroll through anything. I just ask a question and it pulls the exact answer in seconds. Or I can send the full summary to my team, so we're all working from the same page. No more 10 p.m. Slack messages, like, wait, are we aligned on this? Because now we actually are. And honestly, it's a difference between sitting in a conversation and actually being present in it. It's got 98% transcription accuracy and works in person over the phone and on Zoom. Go to plod.a.ai and use code FF Pod for 10% off. That's P-L-A-U-D.A-I-S-F-F-Podd. One of the things you have to think about as a business owner

is scaling while also maintaining your sanity, right? When I'm thinking as a business owner about our goals and about the next three to five-year plan, it is how do we make the biggest impact, how do we make more money, but also how do we make? How do we make more money? But also, how do we make sure that we're working smarter, not harder. And that's why NetSuite is great. NetSuite is the number one AI Cloud ERP trusted by over 43,000 businesses. It's a unified suite that brings your financials, your inventory, commerce, HR, and CRM into one single source of truth. And you can use their tools to connect to your actual business data. So you can ask any question you've ever had, from key customers to cash on hand to inventory trends,

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NetSuite.com slash ff pod. an additional fear that's going to crop up is fearing that simplicity somehow means we're missing something. If it's not complicated, then it must not work, right? If the answer was this obvious, everybody would be doing it. Yeah, you'd think. But the lever theory is something I've literally never heard discussed anywhere else. Like, I don't, I'm sure somebody else has talked about it. I don't know if I've come up with this concept, but I will say that as soon as I posted about this for the first time on LinkedIn, like, it went viral. There was so many posts about it. I'm still getting messages about it because I feel like this simplicity is the thing that we're missing. Is the working

smarter, not harder. But the fear of the simplicity being something that you were somehow missing or the reason it's so simple is it's not effective, like, we have to let that go. And finally, I do still have to fight the urge to grind a little bit and to push harder. I am not a 100% effective user of the lever theory 100% of the time. Because that still creeps in sometimes. I still wonder, should this be harder? Or, wow, is it really this hard? And I'm going to be honest with you.

There are some situations where, yeah, like there is no lever. There is no thing we can pull. It's just going to be hard for a little bit. But that being said, I always am trying to find, is there a lever I can pull? is there one big thing I can do or a couple small things that will make a massive difference? So how do we find our lover? First, you need to name the gap. You need to get specific. Not, I want to save more money or I want to be better with money this year. I need you to be so specific. I am $800 away from my emergency fund target. Okay? I've just done two things. I know how much

money I'm away from and I know what my emergency fund is. This is back to the original point. You can't actually find your lever if you don't know what's going on. So step one, you've got to name that gap. You've got to know it and you've got to name it. Step number two, I need you to audit what's already working. What is driven results for you before? What do you have that you're underusing? What might give you a temporary level of discomfort with disproportionate results, right? That might be, I don't really want to cancel HBO Max, but if I cancel it for a temporary period of time, I can catch up on my shows later and I can actually get to where I want to be financially. or, yep, I do have to do an extra Instagram post to get us where we want to be for this launch.

It's not the most convenient thing, but it's going to make my life so much easier in the long term. And finally, step number three, I need you to ask the lever question. What is the single move? Not the 10-step plan. What is the single move I can make that will close this gap? Where is that one lever I can pull that will give me disproportionate results with out so much effort. Step number four, we need to set that 48-hour constraint.

This is urgency without burnout. If you have to act today, what would you do? The gap is there and time is getting short. This forces us to make a decision. This is good. It forces us into action as opposed to getting caught in the analysis paralysis trap. And finally, step number five, do the one thing first. Pull the lever.

Oh, how have I not made an Emperor's New Groove reference this entire fucking episode. It is actually crazy to me that it's just happening now. I will give it to you at the end. That's really what I should have done to get you to stay through the old episode, has told you I will do my easement at the end. Okay. But step number five, you're going to do the one thing first, the lever, not the whole plan. You're just going to pull the lever crunk. Okay. So your homework, you are going to find the lever, okay? You are going to pick one financial goal right now. You're going to name the gap, you're going to find the lever. You're going to do it this week. We're making it really, really easy for you with that saving sprint. Again,

her first hundredk.com slash fff pod. We are giving you five mini levers to pull every single day. So ultimately, grinding isn't virtue. Strategy is. If you want to get to where you want to be, be strategic. And the moment you start treating effort as the metric and start treating results as the metric, everything changes. Pull the lever, trunk. See you back here soon. financial feminists. Thank you for listening to Financial Feminists, produced by Her First 100K. If you love this show and want to keep supporting feminist media, please subscribe or

follow us on your preferred podcasting platform or on YouTube. Your support helps us continue to bring this content to you for free. If you're looking for resources, tools, and education, including all of the resources mentioned in this episode, head to herfirsthundredk.com slash s-s-spodd.