Business Mindset, Money Mindset

This is How I Work (The 90 Minute Million $ Plan!)

This is how

I was going to write about how to run a million dollar business in just 90 minutes a day. I still want to tell you about that, and I’ll get to it in a moment, but first I need to set the scene. Because getting to THAT level of getting-shit-doneness? Required me first unlearning near everything I thought to be true about success and ‘doing what it takes’.

When I started seriously trying to grow my business online, one of the very first things I did was to sit down and make a Plan.

I consulted with the best experts and coaches I could find …

Learned exactly how things Must Be Done …

Carefully appraised my competition and noted ways I could be different …

Observed all of the (many!) areas in which my business and website as it then stood was messy, disorganised, confusing, chaotic, and therefore not right …

And then I got to work to fix, improve, strategise and grow.

I felt organised, proud of myself, grown up and on TOP of things. I had lists within my lists, sister! I had a SCHEDULE! I knew exactly what to do and I was damn sure I’d do it exactly as I was SUPPOSED to do.

And boy was I EXCITED! After all – I’d grown my business just through my own haphazard, make it up as I go along, kind of RANDOM methods to over 30k a month, so imagine what would happen if I had a proper PLAN and then also FOLLOWED it?!

Mind. Blown.



Have you ever known, deep within your soul in a place where you sometimes just REFUSE to look, that you’re just BOUND to fail in taking a certain path?

You know it, you feel it, it’s GUARANTEED, but yet – being the stubborn-headed gal you are – you refuse to listen to this truth.

“I will MAKE it work!” you say.

“Shit’s gonna get REAL!

“This is my TIME and I am ready to step UP!”


All good, sometimes.

But no.

SO so wrong, when it goes against who you naturally are.

Of course me, I am QUITE stubborn, and so I did follow the Plan. I learned and I studied and I APPLIED myself. I did what it takes, and it worked … sort of.

If by worked you mean –

I made some money, a little more, sometimes more still, and then sometimes not much at all.

Everything seemed like 2 (rather painful and drawn out) steps forward followed by a lot of running around in circles to the point where I then wasn’t sure whether I’d stepped further forward or run all the way back.

I started to hate my work.

My soul wanted to cry.

I struggled with motivation.

I was working with too many clients who I didn’t really like, which made it hard to really enjoy the work with the ones I DID like.

Money just seemed to constantly slip away from me, no matter how much I made, or else I didn’t really MAKE any.

My debt started growing, and any meager savings I’d had quickly ran out.

The whole thing just sucked.

So I did what any smart woman would do and I committed FURTHER to the Plan. Clearly, I’d not been properly DOING the Plan.

So I pushed harder!

I sacrificed!

Evenings, kids time, my time – all of it became time for WORK!

I would DO this!

I would MAKE it work!

Know what?

I DID do it.

I went ALL the way.

I pushed HARD.

It didn’t work.

Have you ever found yourself following a plan you know to be DAMN stupid (even though on the surface it perhaps seems smart or just ‘what you must do’) but yet you KEEP on following it?

This is what we would call a trust issue.

You need to get back to trusting in you.

It’s also what we would call an idiot issue.

Why would you keep following a path that not only didn’t work but that also didn’t FEEL good?!

I guess, you figure you’ve come so far that you must nearly be THERE.

Let me tell you-

When you know it’s not RIGHT, for YOU, on a SOUL level then honey you are NEVER GOING TO GET THERE.

I’m a slow learner at times. I don’t like to be wrong. So even though I knew this was NOT right, I wanted to prove that the path I had CHOSEN was not wrong.

Flog a dead horse, and all that.

But eventually even I had to recognise –

Not only is this not working, it’s just not FUN.

You know?

So, in a nutshell, and literally overnight, I quit.

I quit my own broken beaten business, the business that had also broken and beaten ME.

I just … stopped.

I was on a walk and ranting on the phone to my husband and I stopped and literally threw my hands up in the air and said FUCK IT. I’m DONE with this.

I’ve been FOLLOWING the God damn plan and the RULES and it’s not working, it’s not fucking WORKING, and what’s more if THIS is the path to a million dollars then you can TAKE it, because I HATE it!

And I just stopped doing ANYTHING that didn’t make my heart sing.

I figured – how much worse can things get?!

I started saying exactly what I thought, and believed.

Doing exactly as I pleased.

Just kind of THROWING stuff out there, from the heart, and without much rhyme or reason just whatever FELT good.

I pretty much UNLEASHED the real me and to HELL with what anybody thought.

At least if I couldn’t make the money and the real difference I wanted to at the time I could start having FUN and just being ME again right?!

It was chaotic, it was messy, things were all over the place, disorganised, dishevelled, I constantly changed my mind, even mid-stream, I just went with the FLOW.

And –

It worked.

Within less than 2 MONTHS of going OFF plan and on to being ME, I made an extra $40,000.

Within 6 months of that time I was doing over $80,000 a month.

Within 1 year of that time I was doing over $100,000 a month.

This was from having been over 100k in debt and fighting even to buy GROCERIES sometimes.

Messy, worked.

Chaotic, worked.

RANDOM, worked.

FUN, worked.

But what it really was about, was that being ME worked.

Whenever I run an event or seminar, or even when I run a live Q&A call, one of the most common questions I’m asked is about how I work, what my schedule looks like.

Each time I answer this question, I will have a different approach I’m using to how I manage my ‘list’ and my time. I’m a sucker for productivity hacks and love to come up with my own new ones all the time. I’m constantly creating new ‘systems’ for myself that will allow me to get everything done. Which is cool and fun, and they do help and I like using them, but here’s the truth about how I work –

I spend about 20-25 hours a week online.

At least half of this is journaling and writing.

So my actual ‘work’ time, as I see it is 10-12 hours a week.

I have 2 young kids and we live location free – this means we are pretty much always in each other’s faces.

Which can be good or bad 🙂 

I have no routine, no structure and often no wifi.

I don’t have an office, a desk, a chair.

I don’t have a set time when I can work.

I often don’t even have a spare room where I can close the door and work – sometimes we are in a single room hotel room, or a 1-bedroom apartment with no outside area, or an RV.

My business is messy, chaotic, frenzied.

I’ve done webinars from, in no particular order:

A hotel lobby with a sports team raucously drinking near me.

A hotel lobby with a HARPIST who showed up mid-way through.

In the toilet.

Common space areas in hotels.


Other various cafes.

Sitting on a park bench.

Sitting on the floor in an airport.

On a train.

In the car.

In the back of the RV (freaking BUMPY by the way!)

I work at 6am or 7am or 8 or 9 or 10pm, and sometimes in snatches through the day.

I do an hour or two at a time if I’m lucky, I switch on and I FOCUS.

Sometimes I am breastfeeding while working, or fighting Nathan off the keyboard.

Often times I am listening to Frozen on repeat in the background.

Sometimes I’m ignoring my kids and trying just to hurry through that one last thing, ignoring my daughter’s pleas to play with her. For this reason, as that’s not who I want to be, I try to do most of my work super early in the morning, or late at night, or else I go sit in a cafe and Enzo takes the kids for a while.

And sometimes I just say fuck it all and turn the laptop off and do nothing for the rest of the day.

We are often in a new location every week, we lose entire days in travel and of course we spend a crapload of time seeing the world that we’re traveling through.

Work is not who I AM, it’s something that is PART of me but it must also CONFORM to me not I to it.

It’s messy, it’s random, I do have a list but I usually forget to FOLLOW the list, I make plans and ideas all of the time and then I just make new ones and then I just do some WORK.

The way I work is no doubt unprofessional, too disorganised, too unstrcutured and too chaotic for most people.

Webinars in toilets?!

Background noise?!

Patchy wifi?!

“I couldn’t work that way!” say most people I speak to.

Then don’t.

But for me –

I travel the world.

I live my dreams.

I make over 100k a month.

And I’m not making that in SPITE of my lifestyle and my crazy work style I’m making it BECAUSE of it.

Because I stopped trying to freaking conform.

I stopped following someone else’s ideas and plans.

I stopped doing what was ‘right’ and I started doing WHAT WAS RIGHT.

For ME.

For my FAMILY.

For how I like to OPERATE.

For what feels NATURAL.

You average it out, and it’s 90 minutes per work day of actual work.

I run a million dollar (and WILDLY growing) business in 90 minutes a day.

But can I give you a formula for that?

I nearly did!

10 minutes on this and 20 on that and follow this productivity hack and just DO it.


That’s what I do.

That’s MY plan.

It works for ME.

But it sure don’t look as neat as it might sound on paper 🙂

And really, why would you give a hoot what works for me?

What would work for YOU lovely?

Not just what is your IDEAL, you understand.

My IDEAL is to have my own office, preferably with a 3-part Get Smart style entry process that nobody can actually ever get THROUGH.

I want to know I can be online from early each morning until I am DONE, sitting in my serene space overlooking my beautiful garden.

I want excellent wifi and no background noise.

I want to work without a boob hanging out or a dog or a harpist or cafe patrons glaring at me for being on Skype in the background.

But right now, this is my life.

So I’m working in a way that CAN work and that I choose to ALLOW to work.

Because I’m sure as shit not putting my business or my life on hold until I have that office (and I’ll get it!) or until I’m no longer Mum to a baby (or indeed any young talking child!) or until I have great wifi and a quiet space or the right time of day to work all the time.

It’d be nice if success just required a pretty space and an organised list.

But it’s even NICER that you do not NEED that.

It’s also a PROBLEM if you’re LOOKING for some kind of VERSION of that and then you will ‘be able to succeed’.

The VERY best way for you to work is in a way that works for you right NOW.

The VERY best way for you to DO things in that physical space or time is in a way that comes natural to YOU.

You don’t have to apologise for being different to everyone else.

But you’re sure as shit going to end up apologising and probably praying in desperation if you persist in trying to follow someone else’s rules for success.

Stop looking for the right plan, or approach.

Just do YOU.


Show the world who you ARE, and what you’ve GOT.

Let your light SHINE.

Do it however you PLEASE and as best as you CAN for what else is going on in your life.

Let your life SHOW as well, don’t try to hide it or pretend it’s all perfect and pretty and polished.

Don’t try and pack your life into a nice little corner so you can show the internet some made up gussied up IMITATION of who you really are.

People, amazingly enough, respond to people.

Be a person.

Be real.

Be you.

Make it fun.

Let your hair down.

Do what it TAKES but do it in a way that is about being YOU.

And don’t be surprised if everything you’ve been working so hard to “make work” all of a sudden just starts working.

Success is not supposed to be about living someone else’s life gorgeous.

Throw out the plan.

And show us what you’re REALLY made of!

Remember –

Life is Now. Press Play.

Kat x




A One-Time Live Online Workshop with Katrina Ruth, on How to Make Money Anywhere, Anytime, With ZERO Dependance on Any One Platform, Program or Tool … Aka JUST BECAUSE THAT’S WHO YOU ARE … AND – With the Greatest of Ease

Okay. Imma gonna get straight up on your ass about what needs to be said here, because obviously SOMEBODY needs to hit the damn truth button on this shit!!

Straight up from the gate up, you do NOT make money because of Facebook.

Because of Instagram.

Because of email.

Because of ANY of this shit.

You make money because of who you are and what you decide and make NON-NEGOTIABLE, period, The End!

As you may be aware, in the last day or so Facebook and Instagram went down down down OH so far down.

After a few obligatory ‘stop the world!’ messages to my team and friends (which resulted in a serious convo with one of my soul sisters as to whether we’d now have to become porn stars instead), I got back to business.

The business of posting and selling shit on Facebook, which is admittedly a big part of what I do each day???

Nah … the business of being ME, because THAT is what I actually do each day, and also?

It’s what gets me paid.

Funnily enough, as is often the way with these things, just yesterday somebody was making smart-ass comments to me about how all the coaches would survive if there was no Facebook or Instagram.

“How would they survive?”, I asked myself.

“Well, I have no idea how THEY would survive but I sure as shit know how I would survive:

Very fucking well indeed, thank you very much, because that is who I AM”

Word to the wise:

A) I was making serious money long before I used Facebook for it.

Allow me to say it again for those in the back: YOU MAKE MONEY BECAUSE OF WHO YOU ARE AND THE LEVEL YOU VIBRATE AT.


It’s an energy thang baby, a frequency shiz niz, it’s just who you ARE and how life works for you.

Handy hint —> the level of wealth you enjoy or moan over now is already just a direct reflection of your frequency, and expectations. It ain’t got jack shit to do with what you do, and it certainly is not a product of which tools are available to you.

It is a product of YOU.

When the socials went down today it was FASCINATING to me to observe the response that came through in the in-between-y bits when people managed to post something.

People worrying about how it would impact their business, or feeling in some way handcuffed.

This is crazy! It’s fear-mongering at its worst and it’s an absolute SHITTY mentality as far as belief systems around where results come from.

Do you know what I felt, when I realised we couldn’t use Facebook as normal for our biz stuff?


It took a minute to click in, but I found myself getting all wriggly and lit up with excitement.

I love a damn challenge 🙂

And since I also choose to believe that everything is happening FOR me, I also took personal responsibility for this occurrence.

Obviously FB and Insta had gone down in order to force me to finally pull my finger out and learn how to go live on YouTube.

But mainly – hell YEAH to the opportunity to get creative!

Probably taking the whole thing a little bit too far, as I worked my way through some sprints on the rower post HIIT weights session, I started to imagine what would happen if Facebook was TRULY GONE AND NO LONGER OF THIS WORLD.

I got MORE excited with each second that passed (which makes me remember how damn BORED I get as soon as I know how to easily do something aka make money all day err day on Facebook), and I also found myself AUTOMATICALLY GOING INTO ZAG MODE.


You know, like ‘When They Zig you Zag’. A classic, if ever there was one!! Thank you Dad, for always having all the BEST books on your bookshelf for me to start reading from 10 or 11 years of age!

See, I have a belief system which works rather well for me and I guess is just part of who I am –

I believe that things ALWAYS work out perfectly for me, and are always done FOR me …

I believe I am always on path …

I believe I always make the right decision, so therefore I never have to beat myself up, I just wait for the lesson –



I believe that my outcomes are predicated only by my choices, and that there is nothing I EVER need in order to get or maintain or ONLY improve on an existing outcome.

It’s this mindset that causes me to wonder what TF it has to do with anything when people say things like they can’t be in shape ’cause they have kids or just had a kids … or ’cause they can’t get to the gym (for example)

And it’s also this mindset that causes me to KNOW that the money I make and the impact my soul work has in the world has NOTHING to do with what tools or platforms are available to me or working.

I programmed myself a long time ago to IMMEDIATELY swerve if something was no longer serving me or working for me. It’s this part of my mind which therefore right away started coming up with creative and imaginative solutions for how business would OF COURSE carry on (and improve!) with or without social media.

And it’s also this part of my mind which of course right away finds a way to monetize the damn thing and turn it into epic and highly helpful content for you, aka this workshop!

It’s just how I think, and who I am. I am simply unavailable for NOT moving forward, and nothing will ever ever EVER make me believe that I have to depend on anything outside of me for my results.

So why a whole damn workshop on the concept?

Well, it’s more than that, isn’t it?

It’s a mindset of believing that you always get what you want.

It’s a mindset of believing that everything always works out for you.

It’s a mindset of believing that NOTHING can stop you.

That everything is working in your favour.


That you can monetize ANYTHING, any time you choose, and with no ‘requirements’ in order to do so!

I don’t have to tell you that obvs the outcomes you get directly follow and reflect your mindset and your beliefs!!

Here is what else, as well:

This is not just about making money any time, from any thing, and knowing that even with challenge or things going wrong you only THRIVE and EXPAND!!

For me this goes hand in hand with duh – I get to do all of that on my terms.

By having FUN, and being in FLOW, and with ease.

In fact, the more money the more ease!! #justhowitis

That I can literally click my fingers and money shows up for me, meanwhile I’m just over here doing ma thang.

Speaking of which –

I think it’s about time I shared exactly what I currently DO all day, yeah? And how I do it / fit it all in / honour ALL the areas, PLUS manage to spend so much time sitting on my ass doing sweet FA!

In other words … !

Let’s hang out together this weekend!!




A One-Time Live Online Workshop with Katrina Ruth, on How to Make Money Anywhere, Anytime, With ZERO Dependance on Any One Platform, Program or Tool … Aka JUST BECAUSE THAT’S WHO YOU ARE … AND – With the Greatest of Ease

> It’s happening Thursday March 21 at 11.30am Brisbane time (Wednesday 9.30pm NYC / 1.30am London, UK)

> All fully recorded if you can’t attend live

> ALL your questions answered (either live during the workshop, or afterwards in the group if you can’t attend live)

> KILLER bonus content on Top 11 Most Effective & Proven ‘When They Zig You Zag’ Sales Secrets

> Live support from meeeeee in the group afterwards for anything extra you want and need to know!

> Free Bonus Entire COURSE for Everyone! My $197 Alignment & Asskickery Toolkit, a 14-Day Smackdown to Bring You Back to YOU, and Into Massive Aligned and Result Based Action! Yes, that’s an entire $197 course and you’re paying less than half of that for this entire workshop!

> All content yours to keep for life!!


What We Will Be Covering!

1) How to Monetize ANY Situation, Including But Not Limited To:

* When social media or any typically depended upon platform goes down (including examples of how I have down this several times, to the tune of tens of thousands)

* Hater situations (including examples, again multiple times, again tens of thousands of dollars)

* When you make a fool of yourself / something embarrassing happens or you screw up (also examples! also lots and lots of lovely moolah)

* When people ‘screw you over’ (ahem, we will talk about this) or desert you (also examples! more money!)

* Basically how to turn any and all life situations, moods, changes of the moon, emotional ups and downs, real life SHIT, to money!

2) Why the ‘When Shit Happens’ times are often the BEST times to make money, aka this is where I teach you what it really means to understand human psychology in terms of SALES, and the mindset of being an actual IN THE FLOW entrepreneur, who ALWAYS sees opportunity and jumps straight on it

3) When NOT to Monetize (okay that one you can have for free – never!!)

4) Understanding Where Money Really Comes From – and aligning yourself TO the frequency of wealth, such that you can literally NOT.BE.IMPACTED by anything that 99.99% of people think will cost them business

5) Money Vibration Principles Revealed (… my own personal philosophies and things that I live by / instil into my being around this, including my own daily practices)

6) Coding For Success

* How to ALWAYS have an endless stream of ideas

* AUTOMATIC continual unleashment of creativity and imagination, especially in so-called times of struggle

* Seeing past problems and accessing higher self in order to always know the answer, and how to move forward

7) Programming to Upgrade – the beliefs, energetic states and emotional patterns you require in order to be this person, have all this work for you, ALWAYS see and have the ability to act on the shit that will most pay off

The ‘Do What You Want All Day’ Bit:

* Exactly how my typical day flows and how I operate for maximum efficiency of time, energy, mental acuity, soul connectedness, etc

* Getting it all done as a busy entrepreneur (and single Mum, in my case) who also refuses to operate at anything less than EXCELLENT in terms of self-care, fitness, fun, playtime, etc

* Exactly what I do all day, broken down to the detail, to helm this becoming-8-figure-empire

* Exactly what I do NOT do all day, either it just gets ignored (hint: a LOT that most online marketers think matters!), or I let other people do it for me

* Calling in soulmate support, even long before you are ready to afford it

* Optimizing energy, focus, personal power, happiness, general flow. Aka mindset and also brain / nutrition hacks and so on


AND, while we’re at it, we will also be talking INSTANT MANIFESTATION. The exact process I use to bring the future into the NOW, by clearing all blocks existing between its reality in the quantum and its physical manifestation in the now!!



I’ll be doing this ‘Rapid-Fire’ Session at the end!!

1) What it really means to be magnetic online – hint: it’s not about having a pretty and polished website or online presence!

2) Bringing the ‘in private / behind the scenes’ version of you to the public

3) Unapologetic messaging and soul baring to call in your true #soultribe

4) Audience quality vs quality, and active elimination of those who don’t ‘HELL yes’ on your content

5) People don’t buy your products, they buy you. No – people don’t buy you, they buy your energy!! What that means and how to let it out

6) Being real about where you need to take care of YOU in order to be able to show up and shine fully

7) Keeping a laser-focus and tunnel-vision on your own path, and having the courage to pave the way that feels right for you even if it’s not been done before

8) Discernment to walk the line between being polarising and positively outrageous as opposed to just a hot mess 🙂 Scaling and magnetizing FROM the chaos of creativity and following the true artists way!

9) Knowing which ideas to work, what will sell, and how best to sell it so that the entire launch and selling experience is fun AND rewarding for both your audience and you

10) Creating hell yes offers that make them scream yes!

I know!

This workshop is off the HOOK already, and we haven’t even accounted for all the random shiz which will be coming out of me!!


Don’t forget the bonuses >>>> !!!

> KILLER bonus content on Top 11 Most Effective & Proven ‘When They Zig You Zag’ Sales Secrets

> Live support from meeeeee in the group afterwards for anything extra you want and need to know!

> Free Bonus Entire COURSE for Everyone! My $197 Alignment & Asskickery Toolkit, a 14-Day Smackdown to Bring You Back to YOU, and Into Massive Aligned and Result Based Action! Yes, that’s an entire $197 course and you’re paying less than half of that for this entire workshop!

> All content yours to keep for life!

What are you waiting for? You KNOW that if you apply even ONE tip of the approximately gajillion I’m sharing here you’re going to 100x your investment back! Which is why I am even EXTRA excited to be able to give this to you at such a low price, as per the commandment of my soul!! Plus it’s fun 🙂

Okay then! See you IN there baby!


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  1. Shelly says:

    Hi Kat – I love your zest. But what services and products are you selling each month to make that kind of money? How many coaching sessions, programs, etc? Is it pure volume? Or do you charge a crap ton of money? If so, how do you justify it?

    1. Kat says:

      If you are genuinely interested to know, stick around and see 🙂

      I don’t justify being me. That would be like justifying the colour of my skin.

  2. Dustin says:

    Great post! It’s inspiring to know that you can succeed without planning out every little detail first and to just be you! I came across your kindle book on (…creating multiple 6-figure income…) and purchased it. I know it’s for women, but I’m interested in learning from people already making a difference online as I just started my new website and figuring out the best content for me to make. I’m about halfway through the book and it’s awesome! Great writing. Thanks!

    1. Kat says:

      Hey Dustin, thank you so much for commenting! So glad you’re enjoying the book 🙂 it definitely stands true for men and women alike!

  3. Diane says:

    Great read! Very inspiring!
    Thank You,

  4. Misty says:

    Kat, you are seriously an inspiration.

    I’m not gonna lie but for quite awhile I would receive your emails, have a quick squizz then hit delete.

    I would often think “Huh, well that’s not a very nice way to talk” – but you know what? It’s actually what I needed to hear and read – I just didn’t want to admit it. I mean how the frick did you know what I needed to hear, when I needed to hear it, and speak the way I needed to be spoken to? Who were you to tell me what to do? DELETE!

    Now that I have stepped out of my own way, and started taking steps towards my dream your no BS words are exactly what I need (and love, and light, and all that woo stuff too)!

    You know your shizz, and you speak your truth in your words, not how you think you should speak for everyone elses sake. Truly admirable.

    I’m the one who always needs to have the perfect conditions to do anything….yes, the pretty desk, and stationary, and bookshelf blah blah blah – what a load of excuses and crock. I also have every planning system under the sun AND once again planning planning planning and not so much action-taking.

    It’s Sunday evening, and I’ve been sitting here reading blog, and man alive they speak to me. I need to get my shizz sorted, so I’ll be reading a few more 🙂

    Thanks for the kick-up the butt and the clip around the ears!

    P.S I always wondered “why all the emails”, and then I read your “YOU SHOULD ALWAYS BE LAUNCHING” – and now I understand how you can be on the pulse of everything, and be out there living your life & biz on your terms.

Comments are closed.

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