Debbie Franklin, CEO of Peplows Accountancy, joins the podcast to unpack the practical steps behind building a portfolio income and starting your own business. From side hustles and freelance work to property investment and pension planning, this episode explores how women can create long-term financial resilience, especially when life doesn't follow a straight path. Heather, Kelly, and Lynn share personal stories and honest questions about income gaps, late starts, business structures, and navigating financial responsibilities after career breaks or divorce. Debbie offers down-to-earth advice on topics like choosing between sole trader or limited company status, managing tax implications, and protecting your business from legal risks. There's also an eye-opening discussion on the pension gap for women, and how combining employment with business or investment income can be part of the solution. From planning for retirement to thinking through your business exit strategy, this episode encourages listeners to take control of their future with confidence and clarity. Whether you're already running a freelance consultancy, thinking about buying your first rental property, or just want to better understand your pension options, this episode offers clear, supportive guidance to help you make smart financial decisions. Mums on Cloud Nine is your go-to destination for inspiring content that empowers women to build a life and career they love. Each week, we share expert advice, personal stories, and practical tips across a range of topics, from health and mindset to money and career growth. Check out our website at www.mumsoncloudnine.co.uk and subscribe for weekly tips to elevate your mindset.

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