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Today on the podcast, Brian and Kirby welcome Pia Silva. Pia is in her early 40s, married with a seven-year-old son, and lives in Brooklyn, NY. She runs a branding agency with her husband and coaches other agencies on how to scale while working less. In this episode… Pia shares how she went from $40,000 in debt to taking entire summers off by restructuring her business around a simple formula: 50% client work, 25% business development, 25% freedom time. She and Brian dig into why "chunk and stack" beats passive income for most service providers, how working through financial hardship builds lasting confidence, and what she's learned writing her second book, Scale Solo. Top 5 Takeaways 1. Time freedom is about working to live—not living to work. 2. The 50–25–25 rule creates sustainable income and personal freedom. 3. True freedom comes from the ability to create income on demand. 4. Overcoming debt can build confidence and clarity in business decisions. 5. Authority content works best after a solid business foundation is built. Chapters: 0:00 – Welcome + Introduction to Pia Silva 3:00 – Working to Live, Not Living to Work 7:45 – The 50–25–25 Rule Explained 13:30 – From Revenue to Real Profit 17:15 – Pia’s $40K Debt Wake-Up Call 21:30 – Skills Over Savings: The Real Definition of Freedom 25:45 – Designing a Business That Fits Your Life 29:30 – Writing Scale Solo: Process & Insights 34:45 – Authority, Referrals & Building a Profitable Business 39:45 – Long-Term Vision, Investing & Time Freedom 42:15 – Where to Find Pia + Final Thoughts Check out Pia's book at NoBSMastery.com/book