256. How to Plan Like a CEO—Even If You're the Only Person on Payroll

Your year end inventory count is more than a tax requirement. It is a clear reflection of your business. In this episode, Kathy shares what your shelves are really telling you about your systems, buying habits, and financial health. You will hear why an accurate count matters for clarity and cash flow, where Master Shopkeepers members can find full resources in The Lab and how it connects to the Cash Flow Clarity work done in the group membership in 2025. For show notes, visit www.savvyshopkeeper.com/episode264. If you want more support and structure as you work through these areas in your own store, you can learn more about Master Shopkeepers. For show notes, including links to the documentary and resources I mentioned in this episode, visit www.savvyshopkeeper.com/episode264  Kathy Cruz is an Independent Retail Coach who helps store owners work smarter, profit more, and grow their brick and mortar businesses. Connect with Kathy and learn more here: Website: Savvy ShopkeeperInstagram: @savvyshopkeeperMastermind Group: Master Shopkeepers

Even your most successful seasons can leave you drained. In this episode, Kathy shares how one client's record-breaking quarter became a turning point—and why taking notes during any busy retail season can help you plan smarter, protect your peace, and create success that actually feels good. For show notes, including links to the documentary and resources I mentioned in this episode, visit www.savvyshopkeeper.com/episode263  Kathy Cruz is an Independent Retail Coach who helps store owners work smarter, profit more, and grow their brick and mortar businesses. Connect with Kathy and learn more here: Website: Savvy ShopkeeperInstagram: @savvyshopkeeperMastermind Group: Master Shopkeepers

Small Business Saturday isn't just a single day, it's part of a powerful five-day stretch that can grow your sales and strengthen your connection with customers. In this episode, Kathy shares a realistic plan for making the entire weekend work for you, from Black Friday through Giving Tuesday. You'll learn simple, strategic ways to pace yourself, boost engagement, and build momentum, without burning out. Whether you're going all in this year or taking notes for next, you'll walk away with practical ideas and peace of mind. For show notes, including links to the documentary and resources I mentioned in this episode, visit www.savvyshopkeeper.com/episode262  Kathy Cruz is an Independent Retail Coach who helps store owners work smarter, profit more, and grow their brick and mortar businesses. Connect with Kathy and learn more here: Website: Savvy ShopkeeperInstagram: @savvyshopkeeperMastermind Group: Master Shopkeepers

As the holiday rush approaches, your team's energy can make or break the customer experience. In this episode, Kathy shares what she noticed during her travels in 2025—how disengagement shows up in stores—and why connection matters more than ever in Q4. Learn what real engagement looks like, why it drives sales, and how to model it as the leader. Plus, a quick discussion on whether "secret shoppers" help or hurt team morale.   For show notes, including links to the documentary and resources I mentioned in this episode, visit www.savvyshopkeeper.com/episode261  Kathy Cruz is an Independent Retail Coach who helps store owners work smarter, profit more, and grow their brick and mortar businesses. Connect with Kathy and learn more here: Website: Savvy ShopkeeperInstagram: @savvyshopkeeperMastermind Group: Master Shopkeepers

Are Small Business Saturday discounts really worth it? In this episode, I'm breaking down when discounts make sense, when they don't, and smarter ways to attract shoppers without giving away your profit. You'll hear real examples from my own store and other indie retailers, plus advanced strategies for seasoned shop owners—like using data from past years, segmenting customers, and streamlining operations for your busiest day of the season. If you're planning your Small Business Saturday strategy, this episode will help you protect your margins and make the day more profitable, intentional, and fun. For show notes, including links to the documentary and resources I mentioned in this episode, visit www.savvyshopkeeper.com/episode260  Kathy Cruz is an Independent Retail Coach who helps store owners work smarter, profit more, and grow their brick and mortar businesses. Connect with Kathy and learn more here: Website: Savvy ShopkeeperInstagram: @savvyshopkeeperMastermind Group: Master Shopkeepers

This is Part 2 of a special 2-part series on competition and product overlap in indie retail. Once you've processed the emotions behind a "copycat" moment, what comes next?  In this episode, I walk you through my CLEAR framework for grounding yourself, then share three common paths store owners take when a competitor feels too close for comfort: focusing inward, protecting their turf, or collaborating with caution.  You'll hear the benefits and trade-offs of each, my personal stance, and a mic-drop truth I've learned after years of studying independent retailers. For show notes, including links to the documentary and resources I mentioned in this episode, visit www.savvyshopkeeper.com/episode259  Kathy Cruz is an Independent Retail Coach who helps store owners work smarter, profit more, and grow their brick and mortar businesses. Connect with Kathy and learn more here: Website: Savvy ShopkeeperInstagram: @savvyshopkeeperMastermind Group: Master Shopkeepers

This is Part 1 of a special 2-part series on one of the most common and heated topics in indie retail: competition and product overlap. If you've ever walked into another store and seen your best-selling product on their shelves, you know the mix of frustration and fear it can trigger. In this episode, I break down why product overlap happens in retail, why it feels so personal, and what it really means for your business. We'll look at the emotions behind these moments, the realities of supply and demand, and why processing your reaction first is key to making better long-term decisions. For show notes, including links to the documentary and resources I mentioned in this episode, visit www.savvyshopkeeper.com/episode258  Kathy Cruz is an Independent Retail Coach who helps store owners work smarter, profit more, and grow their brick and mortar businesses. Connect with Kathy and learn more here: Website: Savvy ShopkeeperInstagram: @savvyshopkeeperMastermind Group: Master Shopkeepers

In this episode, I'm opening up about something personal—and still unfolding. For years, I've suspected I might have ADHD. I usually wait until I've got everything figured out before I share, but this time I'm bringing you with me in real-time. If you've ever wondered whether your brain works a little differently—if you've struggled with focus, follow-through, forgetfulness, or feeling scattered—this episode might hit home. I'll explain why I'm finally getting tested, what common ADHD symptoms look like (especially in women), and why so many of us feel dismissed when we try to talk about it. I'm not a doctor—but after 51 years and a lot of patterns I can't ignore, I'm ready to get answers. Let's talk about it. For show notes, including links to the documentary and resources I mentioned in this episode, visit www.savvyshopkeeper.com/episode257  Kathy Cruz is an Independent Retail Coach who helps store owners work smarter, profit more, and grow their brick and mortar businesses. Connect with Kathy and learn more here: Website: Savvy ShopkeeperInstagram: @savvyshopkeeperMastermind Group: Master Shopkeepers

Ever wonder what's really happening behind the scenes at Savvy Shopkeeper? In this special bonus episode, I'm catching you up on ALL the projects, lessons, and tools I've been working on! And there's quite a bit. If you're not in MSK, this is your chance to hear what goes on behind the curtain. And if you are in MSK? You'll appreciate the momentum we're building. 🔗 Helpful Links & Resources Want to explore something I mentioned in this bonus episode? Here's where to go: 📝 Rewiring Retail Recap Notes – Listen to my key takeaways and sign up for the Retail Brew newsletter. 📱 Traffic Tally (Foot Traffic App) – Get on the Savvy Shopkeeper newsletter list to hear more about this and find out when we launch the web app. Scroll down on the home page to sign up. 📍 Retail Location Scorecard Lesson (MSK) – Apply to join the membership or book a discovery call with me. 📅 Event Promotion Timing Study – Complete the form and help us collect as much information as possible. Click here to access the Google Form. 📐 Store Intensives – Interested in a store intensive? Visit the store intensive page on the Savvy Shopkeeper website. 📄 Retail Isn't Dying, It's Starving – White Paper – Get on the Savvy Shopkeeper newsletter list to hear more about this. 📘 Retail Roadmap Book Waitlist – Get on the Savvy Shopkeeper newsletter list to hear more about this and find out when you can pre-order the book! 📢 Tariffs, Advocacy & MSK Member Spotlight – Learn more about this incredible work on the Advocacy page of the Savvy Shopkeeper website. 🤖 AI Agents & Automations (Impromptu MSK Lesson) – Apply to join the membership or book a discovery call with me. 🚪 Retail Exit Roadmap (Exit Strategy Program) – Find out when this program opens up by getting on the Savvy Shopkeeper newsletter list! 🎉 2027 Conference – More coming soon! Same applies here: get on the newsletter list!

Planning isn't just for staying organized—it's how you lead. In this episode, I help you step into your CEO role with strategic tools, reflection practices, and mindset shifts. You'll learn how to use your planner to make high-level decisions, reduce friction, and finally feel in control—even as a team of one. 👉 Website & Mastermind Group: savvyshopkeeper.com 📲 Instagram: @savvyshopkeeper Planner: savvyshopkeeper.com/planner