You work hard, build the business, finally start earning decent money… and then you can't shake the fear it might not last. In this episode of Financial Dilemmas, Helen talks to Sam about the very real "self-employed money wobble" – the instinct to keep a big cash safety net, even when it's driven more by fear than by the numbers. Together they unpack how to balance short-term security with long-term progress, including why leaving too much in cash can quietly chip away at your future buying power. What we cover Why the "one bad month" feeling is so common when you're self-employed A simple way to organise your money into short-term, mid-term and long-term pots How to give every pound a job, so cash isn't sitting there "just because" Why cash can feel safe, but still be risky if it's the default forever If you're self-employed and you've been keeping cash close because investing feels scary, this episode will help you find a calmer, clearer way forward. Important: This episode is general information and education, not personal financial advice. Tax rules can change. Investments can go down as well as up. About your host: Sam Secomb is the founder of Women's Wealth, an award-winning Chartered Financial Planner and Telegraph columnist. Resources: If this episode struck a chord, here are some ways to take the next step with us… 🌐 Explore more at → Women's Wealth 📅 Book your free → 15-minute Discovery Call 🌟 Join our free → Enable Membership Connect with us on [LinkedIn], [Instagram], [Facebook] and [YouTube] for more tips, tools, and conversations about women and money.