How I Learned to Read a Profit & Loss and Why I Teach Others

Not every business owner wants to build a big company with employees and layers of management. Some people simply want a profitable business they can run themselves. And that is completely valid. Let's talk about the realities of staying solo in business. There are challenges, including the lack of income security when work slows down. But there are also powerful advantages if you run the business intentionally. We discuss how solo business owners can maximize their profits by focusing on efficiency, pricing correctly, and knowing exactly what financial goal they are working toward. When you understand your numbers and work backward from the income you want to earn, you can build a small business that is both simple and highly profitable. You do not have to build a huge company to win. You just need a plan and a clear focus on profit. -----------------------------   DIVE IN DEEPER & LEARN MORE ABOUT YOUR NUMBERS 👉 Check Out the AFFORDABLE - Know Your Business Numbers Course http://KnowYourBusinessNumbersCourse.com     NEED A BOOKKEEPER?  👉 Check out BABO Bookkeeping.  https://babobookkeeping.com  Yep! We can help you do your bookkeeping so you can focus on growing your business!   CONTACT ME:   👉  Bookkeeping for Your Business: [email protected]   WATCH VIDEOS:  👉 Watch on the Youtube Channel - Plus EXTRA TRAININGS on there:  https://www.youtube.com/@BadassBusinessOwners    -----------------------------  TOOLS TO HELP YOU RUN A BETTER BUSINESS Recommended Bookkeeping: 👉 The #1 Tool You Need:  Quickbooks Online - https://babolearning.com/quickbooks  You must have a good, easy to use bookkeeping system. The #1 option for those needing invoicing & online payments  -----------------------------     Books I Recommend to Help You Take Your Business to the Next Level 👉 Profit First by Mike Michalowicz – https://amzn.to/3nBsCRC 👉 eMyth Revisited by Michael Gurber - https://amzn.to/3bMDTeR 👉 How to Grow Your Small Business: A 6-Step Plan to Help Your Business Take Off – Donald Miller - https://amzn.to/4bvCDX8 👉 Atomic Habits by James Clear - https://amzn.to/3kpXs1m 👉 Building a Storybrand by Donald Miller - https://amzn.to/3y5t0fS 👉 The ONE Thing by Gary Keller & Jay Papasan - https://amzn.to/3yciFi7 👉 The 12 Week Year - Brian Moran & Michael Lennington - https://amzn.to/3R54Smi  ----------------------------    👉  DISCLAIMER on Affiliate Links: I occasionally will have some affiliate links & I do earn a small commission but at no cost to you. I only recommend companies or items that I believe will save you time, money or help make your business better   👉  DISCLAIMER:  I am not an attorney, CPA, insurance agent or financial advisor. My videos/podcast are for entertainment & educational purposes only and should not be construed as tax, legal, insurance or financial advice. Please seek out a qualified CPA, attorney, or specialist as needed.  I'm sharing my experiences with my businesses and those I have worked for and/or helped coach.  

Many small business owners get excited about sales numbers, but sales alone do not determine success. The real measure of a healthy business is profit. In this episode we talk about the difference between the top line and the bottom line. You will learn why focusing only on sales can leave you working harder without actually making more money. A business with strong sales but weak profits will struggle to pay bills, invest in growth, or pay the owner what they deserve. If you want a successful business, you have to pay attention to your numbers and focus on building profitable sales. Because at the end of the day, the bottom line is what truly matters. -----------------------------   DIVE IN DEEPER & LEARN MORE ABOUT YOUR NUMBERS 👉 Check Out the AFFORDABLE - Know Your Business Numbers Course http://KnowYourBusinessNumbersCourse.com     NEED A BOOKKEEPER?  👉 Check out BABO Bookkeeping.  https://babobookkeeping.com  Yep! We can help you do your bookkeeping so you can focus on growing your business!   CONTACT ME:   👉  Bookkeeping for Your Business: [email protected]   WATCH VIDEOS:  👉 Watch on the Youtube Channel - Plus EXTRA TRAININGS on there:  https://www.youtube.com/@BadassBusinessOwners    -----------------------------  TOOLS TO HELP YOU RUN A BETTER BUSINESS Recommended Bookkeeping: 👉 The #1 Tool You Need:  Quickbooks Online - https://babolearning.com/quickbooks  You must have a good, easy to use bookkeeping system. The #1 option for those needing invoicing & online payments  -----------------------------     Books I Recommend to Help You Take Your Business to the Next Level 👉 Profit First by Mike Michalowicz – https://amzn.to/3nBsCRC 👉 eMyth Revisited by Michael Gurber - https://amzn.to/3bMDTeR 👉 How to Grow Your Small Business: A 6-Step Plan to Help Your Business Take Off – Donald Miller - https://amzn.to/4bvCDX8 👉 Atomic Habits by James Clear - https://amzn.to/3kpXs1m 👉 Building a Storybrand by Donald Miller - https://amzn.to/3y5t0fS 👉 The ONE Thing by Gary Keller & Jay Papasan - https://amzn.to/3yciFi7 👉 The 12 Week Year - Brian Moran & Michael Lennington - https://amzn.to/3R54Smi  ----------------------------    👉  DISCLAIMER on Affiliate Links: I occasionally will have some affiliate links & I do earn a small commission but at no cost to you. I only recommend companies or items that I believe will save you time, money or help make your business better   👉  DISCLAIMER:  I am not an attorney, CPA, insurance agent or financial advisor. My videos/podcast are for entertainment & educational purposes only and should not be construed as tax, legal, insurance or financial advice. Please seek out a qualified CPA, attorney, or specialist as needed.  I'm sharing my experiences with my businesses and those I have worked for and/or helped coach.    

How much can you pay yourself in your small business? The answer isn't a guess, it starts with knowing your numbers. Too many business owners pull money out daily for food, gas, or personal expenses without realizing they're already paying themselves… just without a plan. If your pricing doesn't include your labor hours, you're underpaying yourself before you even start. Your Profit & Loss statement shows you the real flow of money in and out of your business and helps you determine what's actually available. In this video, we break down how to think about paying yourself both as an "employee" in your business and as the owner. Whether it's salary, owner draws, or both! It all starts with understanding your current situation and building a plan around real numbers. If you want to get paid consistently and confidently, your numbers have to lead the way.   -----------------------------   DIVE IN DEEPER & LEARN MORE ABOUT YOUR NUMBERS 👉 Check Out the AFFORDABLE - Know Your Business Numbers Course http://KnowYourBusinessNumbersCourse.com     NEED A BOOKKEEPER?  👉 Check out BABO Bookkeeping.  https://babobookkeeping.com  Yep! We can help you do your bookkeeping so you can focus on growing your business!   CONTACT ME:   👉  Bookkeeping for Your Business: [email protected]   WATCH VIDEOS:  👉 Watch on the Youtube Channel - Plus EXTRA TRAININGS on there:  https://www.youtube.com/@BadassBusinessOwners    -----------------------------  TOOLS TO HELP YOU RUN A BETTER BUSINESS Recommended Bookkeeping: 👉 The #1 Tool You Need:  Quickbooks Online - https://babolearning.com/quickbooks  You must have a good, easy to use bookkeeping system. The #1 option for those needing invoicing & online payments  -----------------------------     Books I Recommend to Help You Take Your Business to the Next Level 👉 Profit First by Mike Michalowicz – https://amzn.to/3nBsCRC 👉 eMyth Revisited by Michael Gurber - https://amzn.to/3bMDTeR 👉 How to Grow Your Small Business: A 6-Step Plan to Help Your Business Take Off – Donald Miller - https://amzn.to/4bvCDX8 👉 Atomic Habits by James Clear - https://amzn.to/3kpXs1m 👉 Building a Storybrand by Donald Miller - https://amzn.to/3y5t0fS 👉 The ONE Thing by Gary Keller & Jay Papasan - https://amzn.to/3yciFi7 👉 The 12 Week Year - Brian Moran & Michael Lennington - https://amzn.to/3R54Smi  ----------------------------    👉  DISCLAIMER on Affiliate Links: I occasionally will have some affiliate links & I do earn a small commission but at no cost to you. I only recommend companies or items that I believe will save you time, money or help make your business better   👉  DISCLAIMER:  I am not an attorney, CPA, insurance agent or financial advisor. My videos/podcast are for entertainment & educational purposes only and should not be construed as tax, legal, insurance or financial advice. Please seek out a qualified CPA, attorney, or specialist as needed.  I'm sharing my experiences with my businesses and those I have worked for and/or helped coach.    

If you want real profit in your business, it's time to get serious. Stop waiting for growth to magically happen and start paying attention to your numbers. Profit doesn't come from hope. It comes from action, planning, and knowing exactly what's happening inside your business. -----------------------------   DIVE IN DEEPER & LEARN MORE ABOUT YOUR NUMBERS 👉 Check Out the AFFORDABLE - Know Your Business Numbers Course http://KnowYourBusinessNumbersCourse.com     NEED A BOOKKEEPER?  👉 Check out BABO Bookkeeping.  https://babobookkeeping.com  Yep! We can help you do your bookkeeping so you can focus on growing your business!   CONTACT ME:   👉  Bookkeeping for Your Business: [email protected]   WATCH VIDEOS:  👉 Watch on the Youtube Channel - Plus EXTRA TRAININGS on there:  https://www.youtube.com/@BadassBusinessOwners    -----------------------------  TOOLS TO HELP YOU RUN A BETTER BUSINESS Recommended Bookkeeping: 👉 The #1 Tool You Need:  Quickbooks Online - https://babolearning.com/quickbooks  You must have a good, easy to use bookkeeping system. The #1 option for those needing invoicing & online payments  -----------------------------     Books I Recommend to Help You Take Your Business to the Next Level 👉 Profit First by Mike Michalowicz – https://amzn.to/3nBsCRC 👉 eMyth Revisited by Michael Gurber - https://amzn.to/3bMDTeR 👉 How to Grow Your Small Business: A 6-Step Plan to Help Your Business Take Off – Donald Miller - https://amzn.to/4bvCDX8 👉 Atomic Habits by James Clear - https://amzn.to/3kpXs1m 👉 Building a Storybrand by Donald Miller - https://amzn.to/3y5t0fS 👉 The ONE Thing by Gary Keller & Jay Papasan - https://amzn.to/3yciFi7 👉 The 12 Week Year - Brian Moran & Michael Lennington - https://amzn.to/3R54Smi  ----------------------------    👉  DISCLAIMER on Affiliate Links: I occasionally will have some affiliate links & I do earn a small commission but at no cost to you. I only recommend companies or items that I believe will save you time, money or help make your business better   👉  DISCLAIMER:  I am not an attorney, CPA, insurance agent or financial advisor. My videos/podcast are for entertainment & educational purposes only and should not be construed as tax, legal, insurance or financial advice. Please seek out a qualified CPA, attorney, or specialist as needed.  I'm sharing my experiences with my businesses and those I have worked for and/or helped coach.    

Do you have to be an extrovert to be a successful business owner? Absolutely not. Let's talk about the real differences between introverts and extroverts. Where they get their energy, how they show up, and why neither style is "better" when it comes to building a business. Being an introvert doesn't mean you can't lead, sell, or grow a profitable business. It just means you may need to stretch outside your comfort zone sometimes. You dont have to become someone you're not. This episode is all about encouragement, practical tips, and reminding introverted business owners that your style works and you can be just as successful as anyone else. -----------------------------   DIVE IN DEEPER & LEARN MORE ABOUT YOUR NUMBERS 👉 Check Out the AFFORDABLE - Know Your Business Numbers Course http://KnowYourBusinessNumbersCourse.com     NEED A BOOKKEEPER?  👉 Check out BABO Bookkeeping.  https://babobookkeeping.com  Yep! We can help you do your bookkeeping so you can focus on growing your business!   CONTACT ME:   👉  Bookkeeping for Your Business: [email protected]   WATCH VIDEOS:  👉 Watch on the Youtube Channel - Plus EXTRA TRAININGS on there:  https://www.youtube.com/@BadassBusinessOwners    -----------------------------  TOOLS TO HELP YOU RUN A BETTER BUSINESS Recommended Bookkeeping: 👉 The #1 Tool You Need:  Quickbooks Online - https://babolearning.com/quickbooks  You must have a good, easy to use bookkeeping system. The #1 option for those needing invoicing & online payments  -----------------------------     Books I Recommend to Help You Take Your Business to the Next Level 👉 Profit First by Mike Michalowicz – https://amzn.to/3nBsCRC 👉 eMyth Revisited by Michael Gurber - https://amzn.to/3bMDTeR 👉 How to Grow Your Small Business: A 6-Step Plan to Help Your Business Take Off – Donald Miller - https://amzn.to/4bvCDX8 👉 Atomic Habits by James Clear - https://amzn.to/3kpXs1m 👉 Building a Storybrand by Donald Miller - https://amzn.to/3y5t0fS 👉 The ONE Thing by Gary Keller & Jay Papasan - https://amzn.to/3yciFi7 👉 The 12 Week Year - Brian Moran & Michael Lennington - https://amzn.to/3R54Smi  ----------------------------    👉  DISCLAIMER on Affiliate Links: I occasionally will have some affiliate links & I do earn a small commission but at no cost to you. I only recommend companies or items that I believe will save you time, money or help make your business better   👉  DISCLAIMER:  I am not an attorney, CPA, insurance agent or financial advisor. My videos/podcast are for entertainment & educational purposes only and should not be construed as tax, legal, insurance or financial advice. Please seek out a qualified CPA, attorney, or specialist as needed.  I'm sharing my experiences with my businesses and those I have worked for and/or helped coach.    

Is the customer always right? No..... But they're not always wrong either. Let's talk about why arguing with customers over principle usually costs you more than it's worth. Most people aren't trying to scam you, they just want the problem fixed. When something goes wrong, your job as a business owner is to listen, resolve the issue, and look for the lesson. Was there a breakdown in process? Were expectations unclear? Were there warning signs you ignored? Yes, there will always be a small percentage of bad actors, but don't let the few ruin how you treat the many. Strong businesses don't fight customers… they learn, fix, and move forward. And how you handle the problem matters just as much as the problem itself.

I was exposed to business numbers long before I ever owned a business. Profit & Loss statements, sales trends, inventory, expenses, just to name a few. These were normal conversations in my world growing up. And when I became a small business owner, that knowledge became my secret weapon. But as I started meeting other small business owners, I realized something big: they WANTED to understand their numbers… they just didn't know where to start. Today, I share my journey with the P&L and why it quickly became my #1 tool for growing a profitable business. The truth is, small business P&Ls aren't that different from big business P&Ls and small businesses have far more in common than you'd ever imagine. No matter what size your business is, your Profit & Loss statement is the key to understanding your money, increasing your profits, and making smarter decisions. Let's make the P&L your new superpower.   -----------------------------   DIVE IN DEEPER & LEARN MORE ABOUT YOUR NUMBERS 👉 Check Out the AFFORDABLE - Know Your Business Numbers Course http://KnowYourBusinessNumbersCourse.com     NEED A BOOKKEEPER?  👉 Check out BABO Bookkeeping.  https://babobookkeeping.com  Yep! We can help you do your bookkeeping so you can focus on growing your business!   CONTACT ME:   👉  Bookkeeping for Your Business: [email protected]   WATCH VIDEOS:  👉 Watch on the Youtube Channel - Plus EXTRA TRAININGS on there:  https://www.youtube.com/@BadassBusinessOwners    -----------------------------  TOOLS TO HELP YOU RUN A BETTER BUSINESS Recommended Bookkeeping: 👉 The #1 Tool You Need:  Quickbooks Online - https://babolearning.com/quickbooks  You must have a good, easy to use bookkeeping system. The #1 option for those needing invoicing & online payments  -----------------------------     Books I Recommend to Help You Take Your Business to the Next Level 👉 Profit First by Mike Michalowicz – https://amzn.to/3nBsCRC 👉 eMyth Revisited by Michael Gurber - https://amzn.to/3bMDTeR 👉 How to Grow Your Small Business: A 6-Step Plan to Help Your Business Take Off – Donald Miller - https://amzn.to/4bvCDX8 👉 Atomic Habits by James Clear - https://amzn.to/3kpXs1m 👉 Building a Storybrand by Donald Miller - https://amzn.to/3y5t0fS 👉 The ONE Thing by Gary Keller & Jay Papasan - https://amzn.to/3yciFi7 👉 The 12 Week Year - Brian Moran & Michael Lennington - https://amzn.to/3R54Smi  ----------------------------    👉  DISCLAIMER on Affiliate Links: I occasionally will have some affiliate links & I do earn a small commission but at no cost to you. I only recommend companies or items that I believe will save you time, money or help make your business better   👉  DISCLAIMER:  I am not an attorney, CPA, insurance agent or financial advisor. My videos/podcast are for entertainment & educational purposes only and should not be construed as tax, legal, insurance or financial advice. Please seek out a qualified CPA, attorney, or specialist as needed.  I'm sharing my experiences with my businesses and those I have worked for and/or helped coach.    

If you've ever fallen behind on paying your employees or the people who help you, it's time for a hard truth: you made a commitment, and not paying them damages trust, morale, and your reputation as a leader. You'd never accept a customer refusing to pay YOU — so why are you doing it in your own business? Two biggest reasons this happens: poor pricing and ongoing debt that drains every dollar before it reaches your team. You need to stop the financial bleeding, pay your people moving forward, and create a plan to make up any back pay. And when a big job comes in? That money needs to fix the business first, not line your own pockets. Strong businesses take care of their people. Let's get you back on track.   -----------------------------   DIVE IN DEEPER & LEARN MORE ABOUT YOUR NUMBERS 👉 Check Out the AFFORDABLE - Know Your Business Numbers Course http://KnowYourBusinessNumbersCourse.com     NEED A BOOKKEEPER?  👉 Check out BABO Bookkeeping.  https://babobookkeeping.com  Yep! We can help you do your bookkeeping so you can focus on growing your business!   CONTACT ME:   👉  Bookkeeping for Your Business: [email protected]   WATCH VIDEOS:  👉 Watch on the Youtube Channel - Plus EXTRA TRAININGS on there:  https://www.youtube.com/@BadassBusinessOwners    -----------------------------  TOOLS TO HELP YOU RUN A BETTER BUSINESS Recommended Bookkeeping: 👉 The #1 Tool You Need:  Quickbooks Online - https://babolearning.com/quickbooks  You must have a good, easy to use bookkeeping system. The #1 option for those needing invoicing & online payments  -----------------------------     Books I Recommend to Help You Take Your Business to the Next Level 👉 Profit First by Mike Michalowicz – https://amzn.to/3nBsCRC 👉 eMyth Revisited by Michael Gurber - https://amzn.to/3bMDTeR 👉 How to Grow Your Small Business: A 6-Step Plan to Help Your Business Take Off – Donald Miller - https://amzn.to/4bvCDX8 👉 Atomic Habits by James Clear - https://amzn.to/3kpXs1m 👉 Building a Storybrand by Donald Miller - https://amzn.to/3y5t0fS 👉 The ONE Thing by Gary Keller & Jay Papasan - https://amzn.to/3yciFi7 👉 The 12 Week Year - Brian Moran & Michael Lennington - https://amzn.to/3R54Smi  ----------------------------    👉  DISCLAIMER on Affiliate Links: I occasionally will have some affiliate links & I do earn a small commission but at no cost to you. I only recommend companies or items that I believe will save you time, money or help make your business better   👉  DISCLAIMER:  I am not an attorney, CPA, insurance agent or financial advisor. My videos/podcast are for entertainment & educational purposes only and should not be construed as tax, legal, insurance or financial advice. Please seek out a qualified CPA, attorney, or specialist as needed.  I'm sharing my experiences with my businesses and those I have worked for and/or helped coach.    

Most business owners say they have goals… but what they really have is a fuzzy wish list. "I want to grow," "I want more profit," "I want more customers". However, many do not have a clear plan. And if not tied to actual business numbers, those goals go nowhere. Today, we break down how to turn big dreams into real results. You'll learn how to set at least one long-term goal, break it into monthly, weekly, and daily steps, and use your business numbers to guide your decisions. Because "just showing up" isn't a strategy. However, taking consistent, concrete action is what moves the needle and grows your profits. Let's make your goals actually happen. -----------------------------   DIVE IN DEEPER & LEARN MORE ABOUT YOUR NUMBERS 👉 Check Out the AFFORDABLE - Know Your Business Numbers Course http://KnowYourBusinessNumbersCourse.com     NEED A BOOKKEEPER?  👉 Check out BABO Bookkeeping.  https://babobookkeeping.com  Yep! We can help you do your bookkeeping so you can focus on growing your business!   CONTACT ME:   👉  Bookkeeping for Your Business: [email protected]   WATCH VIDEOS:  👉 Watch on the Youtube Channel - Plus EXTRA TRAININGS on there:  https://www.youtube.com/@BadassBusinessOwners    -----------------------------  TOOLS TO HELP YOU RUN A BETTER BUSINESS Recommended Bookkeeping: 👉 The #1 Tool You Need:  Quickbooks Online - https://babolearning.com/quickbooks  You must have a good, easy to use bookkeeping system. The #1 option for those needing invoicing & online payments  -----------------------------     Books I Recommend to Help You Take Your Business to the Next Level 👉 Profit First by Mike Michalowicz – https://amzn.to/3nBsCRC 👉 eMyth Revisited by Michael Gurber - https://amzn.to/3bMDTeR 👉 How to Grow Your Small Business: A 6-Step Plan to Help Your Business Take Off – Donald Miller - https://amzn.to/4bvCDX8 👉 Atomic Habits by James Clear - https://amzn.to/3kpXs1m 👉 Building a Storybrand by Donald Miller - https://amzn.to/3y5t0fS 👉 The ONE Thing by Gary Keller & Jay Papasan - https://amzn.to/3yciFi7 👉 The 12 Week Year - Brian Moran & Michael Lennington - https://amzn.to/3R54Smi  ----------------------------    👉  DISCLAIMER on Affiliate Links: I occasionally will have some affiliate links & I do earn a small commission but at no cost to you. I only recommend companies or items that I believe will save you time, money or help make your business better   👉  DISCLAIMER:  I am not an attorney, CPA, insurance agent or financial advisor. My videos/podcast are for entertainment & educational purposes only and should not be construed as tax, legal, insurance or financial advice. Please seek out a qualified CPA, attorney, or specialist as needed.  I'm sharing my experiences with my businesses and those I have worked for and/or helped coach.    

Most small business owners grind day after day… and still have no idea what their real numbers are. They "guess" what their sales are, hope their profits are there, and then wonder why every year feels the same. Today, we break down why knowing your numbers is the key to breaking the cycle. You'll learn how simple the formula really is Sales – COGS – Expenses = Profit and how it connects directly to your Profit & Loss report. Once you understand the flow of money through your business, you can finally stop repeating the same year over and over and start making smarter, more profitable decisions. Tons of sales mean nothing if there's no profit. Make this the year you learn your numbers and drive those profits up!  -----------------------------   DIVE IN DEEPER & LEARN MORE ABOUT YOUR NUMBERS 👉 Check Out the AFFORDABLE - Know Your Business Numbers Course http://KnowYourBusinessNumbersCourse.com     NEED A BOOKKEEPER?  👉 Check out BABO Bookkeeping.  https://babobookkeeping.com  Yep! We can help you do your bookkeeping so you can focus on growing your business!   CONTACT ME:   👉  Bookkeeping for Your Business: [email protected]   WATCH VIDEOS:  👉 Watch on the Youtube Channel - Plus EXTRA TRAININGS on there:  https://www.youtube.com/@BadassBusinessOwners    -----------------------------  TOOLS TO HELP YOU RUN A BETTER BUSINESS Recommended Bookkeeping: 👉 The #1 Tool You Need:  Quickbooks Online - https://babolearning.com/quickbooks  You must have a good, easy to use bookkeeping system. The #1 option for those needing invoicing & online payments  -----------------------------     Books I Recommend to Help You Take Your Business to the Next Level 👉 Profit First by Mike Michalowicz – https://amzn.to/3nBsCRC 👉 eMyth Revisited by Michael Gurber - https://amzn.to/3bMDTeR 👉 How to Grow Your Small Business: A 6-Step Plan to Help Your Business Take Off – Donald Miller - https://amzn.to/4bvCDX8 👉 Atomic Habits by James Clear - https://amzn.to/3kpXs1m 👉 Building a Storybrand by Donald Miller - https://amzn.to/3y5t0fS 👉 The ONE Thing by Gary Keller & Jay Papasan - https://amzn.to/3yciFi7 👉 The 12 Week Year - Brian Moran & Michael Lennington - https://amzn.to/3R54Smi  ----------------------------    👉  DISCLAIMER on Affiliate Links: I occasionally will have some affiliate links & I do earn a small commission but at no cost to you. I only recommend companies or items that I believe will save you time, money or help make your business better   👉  DISCLAIMER:  I am not an attorney, CPA, insurance agent or financial advisor. My videos/podcast are for entertainment & educational purposes only and should not be construed as tax, legal, insurance or financial advice. Please seek out a qualified CPA, attorney, or specialist as needed.  I'm sharing my experiences with my businesses and those I have worked for and/or helped coach.