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The work is honest, the sun is relentless, and the clock on your knees is louder than you think. That reality sparked a straight‑talk conversation about converting today's pool service income into tomorrow's durable, low‑friction cash flow. We dig into three realistic paths—scaling your route into a managed operation, investing in the markets, and building a real estate portfolio—and break down the mindset, mechanics, and tradeoffs of each, without hype.We start with a Rockefeller‑style principle: reinvest in what you understand. If you love building systems and leading people, a multi‑truck, manager‑led service company can move you out of the field and into an owner's seat where cash flow compounds. Then we get practical about real estate, the lane many service pros naturally excel in. Rentals offer a potent trio—appreciation, monthly cash flow, and significant tax advantages—while turning your local knowledge into an investing edge. You already read neighborhoods, solve problems in the field, and navigate city rules; those same skills transfer to finding solid properties, managing turns, and hiring vendors. We talk candidly about vacancies, repairs, and what “passive” really means, along with why buying within an hour of home often beats chasing distant deals. The through‑line is simple: start sooner, keep it simple, and let time do the heavy lifting.• why pool work is finite and planning matters• Rockefeller's reinvesting mindset applied to service routes• pros and cons of scaling a multi‑truck operation• crypto, gold, and market returns in plain terms• how compounding works and when it pays out• why rentals fit service pros' skills and lifestyle• appreciation, cash flow, and tax advantages explained• what “passive” really means in property management• using local knowledge to choose neighborhoods• starting early and building momentum with systemsLearn more at swimmingpoollearning.comJoin the Pool Guy Coaching ProgramIf you're interested in my coaching program, you can learn moSend us a textSupport the Pool Guy Podcast Show Sponsors! HASA https://bit.ly/HASAThe Bottom Feeder. Save $100 with Code: DVB100https://store.thebottomfeeder.com/Try Skimmer FREE for 30 days:https://getskimmer.com/poolguy Get UPA Liability Insurance $64 a month! https://forms.gle/F9YoTWNQ8WnvT4QBAPool Guy Coaching: https://bit.ly/40wFE6y
Review for Final Exam Business Finance, FIL 240-001, Autumn 2025, Lecture 29 Type: mp3 audio file ©2025
Review for Final Exam Business Finance, FIL 240-002, Autumn 2025, Lecture 29 Type: mp3 audio file ©2025
Last Week of Class Business Finance, FIL 240-002, Autumn 2025, Lecture 28 Type: mp3 audio file ©2025
Last Week of Class Business Finance, FIL 240-001, Autumn 2025, Lecture 28 Type: mp3 audio file ©2025
Welcome to The Adviser's What's Making Headlines podcast, your go-to source for the week's biggest stories in finance and real estate, distilled into bite-sized insights. Join host Annie Kane and commercial writer Ben Squires as they review the news of the week. This week, they discuss: Why commercial finance is the buzz of the moment What's blowing out lender turnaround times Athena's bridging finance innovation And much more!
The Agency Dilemma Business Finance, FIL 240-001, Autumn 2025, Lecture 26 Type: mp3 audio file ©2025
The Agency Dilemma Business Finance, FIL 240-002, Autumn 2025, Lecture 26 Type: mp3 audio file ©2025
Free Cash Flow Analysis in Capital Budgeting Decisions Business Finance, FIL 240-001, Autumn 2025, Lecture 25 Type: mp3 audio file ©2025
Ethics and Agency Business Finance, FIL 240-002, Autumn 2025, Lecture 25 Type: mp3 audio file ©2025
Big Bank sits down with Anthony “Mr. 6Ways” Dodson to share his extraordinary journey from the streets to rising in corporate America. Anthony reflects on the power of mentorship, family influence, and financial literacy, breaking down how these pillars helped him transform adversity into purpose. He speaks candidly about navigating survivor’s remorse, grief, and the lasting effects of trauma, while explaining how building a business with his family shaped the ethos behind “Family Forever.” Bank also offers his own perspectives on the importance of pursuing purpose beyond personal gain, the need for generational wealth, understanding debt as a strategic tool, and healing emotionally so the next generation doesn’t inherit unresolved pain. Together, they discuss overcoming self-doubt, the power of positive mindset, and turning lived experience into profitable, legacy-driven ventures. This episode delivers real, practical insight on financial empowerment, personal growth, and building a legacy that lasts—making it a must-listen for anyone committed to elevation. Tune in and join the conversation in the socials below. Rate, subscribe, comment and share. Follow Perspektives With Bank on IG @perspektiveswithbank @Mr.6waysSee omnystudio.com/listener for privacy information.
Free Cash Flow Analysis in Capital Budgeting Decisions Business Finance, FIL 240-001, Autumn 2025, Lecture 24 Type: mp3 audio file ©2025
Free Cash Flow Analysis in Capital Budgeting Decisions Business Finance, FIL 240-002, Autumn 2025, Lecture 24 Type: mp3 audio file ©2025
Too many construction businesses see financials as paperwork for banks, bonds, or taxes - not as tools to actually run the business. Then they're surprised when margins fluctuate and cash gets tight. In this Mobilization Mindset episode, Scott Peper sits down with Jason Kruger, Partner at Citrin Cooperman and longtime construction finance expert, to break down the financial infrastructure contractors need to run their business - not just report on it.You'll hear:- Cash first - build and update a simple 13-week cash flow- WIP is your guide - accurate job-level WIP drives decisions and cash timing- Stabilize your P&L - match revenue and costs to the right periods- Protect margin - track to the percentage point- Be strategic with quick-pay offers - discounts/debt add up fast - make a payoff plan- Close monthly, consistently - set the date and stick to it - Hire for construction finance - industry expertise matters- Look forward - use solid historicals to forecast taxes and set targets- Use tech wisely - let ERP/AI handle busywork so you can analyzeMindset shift: Don't build reports for lenders - build them for next week's decisions. When cash flow and WIP guide your actions, you avoid surprises, capture margin, and your business can experience steady growth.Watch the full episode now!#ConstructionFinance #CashFlow #WIPReport #ContractorMargins #MobilizationMindset
Music Studio Startup: Helping music teachers thrive as entrepreneurs
This week, as we observe Veteran's Day in the US, I'm honored to be talking to a Vietnam Veteran and guitar teacher for a non-profit organization that aims to brighten the lives of veterans who suffer from physical and mental wounds from their times of service. You'll hear about how their mission is shaped by those they serve, how they raise funds for the program, and how they address some unique considerations when matching teachers with veterans and finding creative ways to make the guitar accessible. Here's my conversation with Bernie. Full transcript available at musicstudiostartup.com/episode175 MSS Entrepreneurs Hub + Mastermind MSS Studio Launch Grant Competition Music Studio Business Building 101 Business Finance for Music Teachers
Project Free Cash Flow Analysis Business Finance, FIL 240-001, Autumn 2025, Lecture 22 Type: mp3 audio file ©2025
Project Free Cash Flow Analysis Business Finance, FIL 240-002, Autumn 2025, Lecture 22 Type: mp3 audio file ©2025
Most teams treat annual planning like a spreadsheet exercise.Finance builds the numbers. Everyone else nods along. Then the plan gets filed away until next year.But real planning isn't about producing a static budget – it's about creating a rhythm that connects finance, operations, and delivery all year round.In this episode of The Handbook: The Ops Podcast, Harv sits down with Adam Cooper, founder of ACC Finance Solutions and host of The Fractional CFO Show, to unpack how finance can become your business's operating rhythm – one that brings clarity, accountability, and foresight to every decision.Here's what we cover:How to use finance as your sat nav, not your rear-view mirrorBuilding a monthly rhythm that links financials, KPIs, and team accountabilityCreating a planning cycle that goes beyond budgets – with scenarios, reforecasts, and 3 - 5 year goalsManaging cash flow and runway with discipline (and less stress)Why financial storytelling matters – and how it helps the whole business make smarter choicesIf your annual planning still feels like a finance ritual, this episode will help you reframe it as an operating plan for the year ahead – one that helps your team navigate, adapt, and grow with confidence.Additional Resources:
Net Present Value and Internal Rate of Return Business Finance, FIL 240-001, Autumn 2025, Lecture 22 Type: mp3 audio file ©2025
Net Present Value and Internal Rate of Return Business Finance, FIL 240-002, Autumn 2025, Lecture 22 Type: mp3 audio file ©2025
Music Studio Startup: Helping music teachers thrive as entrepreneurs
If you've ever wondered whether the music you compose or arrange for your students could become more than a creative outlet—maybe even a second income stream—this episode is for you. My guest, James Michael Stevens, is a composer and college music dean who has steadily built something quite remarkable: a catalog of thousands of piano and organ pieces, all self-published online, that reaches players around the world. What I love most about his story isn't just the scale of what he's created—it's how he's done it. His process is simple, consistent, and completely self-driven, and it offers a model for any creative teacher who wants to turn small, steady efforts into something substantial. In our conversation, James shares how he got started, what keeps him motivated, and the systems he uses to sustain that level of creative output year after year. Whether you write music, design resources, or just have an idea you've been meaning to follow through on, this episode is full of practical wisdom for anyone building something one step at a time. Here's my conversation with James. A full transcript and resources from this episode can be found at MusicStudioStartup.com/episode174. MSS Entrepreneurs Hub + Mastermind MSS Studio Launch Grant Competition Music Studio Business Building 101 Business Finance for Music Teachers
Capital Budgeting Decision Making Business Finance, FIL 240-001, Autumn 2025, Lecture 21 Type: mp3 audio file ©2025
Capital Budgeting Decision Making Business Finance, FIL 240-002, Autumn 2025, Lecture 21 Type: mp3 audio file ©2025
Weighted Average Cost of Capital Business Finance, FIL 240-002, Autumn 2025, Lecture 20 Type: mp3 audio file ©2025
Weighted Average Cost of Capital Business Finance, FIL 240-001, Autumn 2025, Lecture 20 Type: mp3 audio file ©2025
Cost of Capital Business Finance, FIL 240-002, Autumn 2025, Lecture 19 Type: mp3 audio file ©2025
Cost of Capital Business Finance, FIL 240-001, Autumn 2025, Lecture 19 Type: mp3 audio file ©2025
Stock Valuation Business Finance, FIL 240-001, Autumn 2025, Lecture 17 Type: mp3 audio file ©2025
Stock Valuation Business Finance, FIL 240-002, Autumn 2025, Lecture 17 Type: mp3 audio file ©2025
Stock Valuation Models Business Finance, FIL 240-001, Autumn 2025, Lecture 18 Type: mp3 audio file ©2025
Stock Valuation Models Business Finance, FIL 240-002, Autumn 2025, Lecture 18 Type: mp3 audio file ©2025
Music Studio Startup: Helping music teachers thrive as entrepreneurs
Today I'm talking to the owner of a boutique voice studio about how she rebranded her studio to make it more about her students and less about her. You'll hear all about how she introduced the new brand, how it was received by studio parents, and how her students have taken ownership of the studio community, to the point where they've even developed their own gang sign. There's a lot of food for thought in the episode with Leischen Moore. Full transcript available at musicstudiostartup.com/episode173 MSS Entrepreneurs Hub + Mastermind MSS Studio Launch Grant Competition Music Studio Business Building 101 Business Finance for Music Teachers
Music Studio Startup: Helping music teachers thrive as entrepreneurs
In this episode, I'm talking with pianist and educator Janna Williamson about how she prepares her students and studio for recital season. I wanted to talk with Janna specifically because she's a teacher who models both excellence and perspective. Her students perform beautifully, but her focus isn't on perfection. For Janna, performing isn't about proving skill or passing a test. It's about sharing music. We talk about the practical side of recital prep, things like timelines, scheduling and rep, but also about how Janna's studio vision guides every decision she makes about those events. Here's my conversation with Janna. A full transcript and resources from this episode can be found at MusicStudioStartup.com/episode172. MSS Entrepreneurs Hub + Mastermind MSS Studio Launch Grant Competition Music Studio Business Building 101 Business Finance for Music Teachers
Risk and Return Business Finance, FIL 240-001, Autumn 2025, Lecture 16 Type: mp3 audio file ©2025
Risk and Return Business Finance, FIL 240-002, Autumn 2025, Lecture 16 Type: mp3 audio file ©2025
Cutting expenses sounds smart - but it's not always the path to growth. In fact, it can hold you back. In this episode of the Peace & Profits Podcast, I'm busting the myth that trimming costs is the key to scaling. You'll hear: Why cutting ads or team members may cost you more in the long run How to align expenses with your bigger goals Why time and money must work together for growth The power of delegation in creating peace and profit Listen in and let's rethink the “expense-cutting” advice together.
Bond Price and Yield Business Finance, FIL 240-002, Autumn 2025, Lecture 15 Type: mp3 audio file ©2025
Bond Price and Yield Business Finance, FIL 240-001, Autumn 2025, Lecture 15 Type: mp3 audio file ©2025
In this episode of The Raquel Show, I'm diving into a topic that so many entrepreneurs — especially real estate agents — often overlook: financial organization. I've learned that most agents don't actually have an income problem; they have a money organization problem. This episode is all about helping you take control of your finances, make smarter decisions, and truly step into your role as the CEO of your business and your life.I'll walk you through:How to create a solid financial structureWhy discipline with your money matters just as much as earning itHow to build systems that help you grow wealth and invest intentionally.
Watch this episode on YouTube HERE! Most small business owners don't start out as financial experts - and that's exactly why 8 out of 10 small businesses fail. In this episode, I sit down with Megan Schwan, CEO and founder of Sidekick Accounting Services, to talk about how to set your business up for financial success. Megan has spent over two decades in accounting and has helped thousands of business owners understand their numbers, implement smart tax strategies, and build businesses that last. She's also a certified Profit First Professional, helping entrepreneurs prioritize profitability and cash flow so they can thrive no matter what the economy brings. What you'll hear in this episode: Why separating your business and personal finances is critical to your mindset and growth Simple first steps to get control of your business finances (even if numbers aren't your strength) How to recession-proof your business with savings and pricing strategies Common mistakes business owners make when it comes to expenses and marketing How to know if your business model is truly profitable - or if it's time to pivot When to hire and how to make sure you're financially ready Whether you're just starting out or scaling your business, Megan shared practical strategies you can use today to improve cash show, cut overwhelm, and build a business that supports both your goals and your lifestyle. Connect with Megan Schwan & Sidekick Accounting Services: Website; www.sidekick-accounting.com LinkedIn Facebook Instagram Let's stay connected! Follow and Subscribe The Small Business Mindset on YouTube and your favorite podcast platform. www.kirstenflory.com LinkedIn Facebook Instagram
In this episode, Jenn is joined by Birjan Crispin, the Deputy Director of the Good Citizen Project with the Indiana Family Institute, where they talk about his story of adoption and the best ways for Christians to be good citizens, promoting what is best for human flourishing.Learn more at https://www.goodcitizen.us/ and follow Birjan at https://www.instagram.com/birjancrispin98/-------------------------Bio: Born in Ruse, Bulgaria and adopted at the age of two, Birjan brings a powerful and personal narrative to the world of public policy, leadership, and faith. Raised in Wheaton, Illinois, and a graduate of Hope College with degrees in Business (Finance) and Political Science, Birjan's story-rooted in resilience and redemption-connects deeply with audiences across the country. With formative experience in the Indiana House of Representatives as a legislative aide and Indiana Family Institute as a policy analyst, along with his experience as a graduate of The Heritage Foundation's Leadership Academy, The Leadership Institute's Young Leaders Program, Indiana Family Institute's Hoosier Leadership Series Class of 2024 and his current service as Deputy Director of The Good Citizen Project, Birjan brings a passionate perspective on issues of culture, theology & policy today. Birjan and his wife, Brooke, live in Anderson, Indiana, where they are active members of Grace Baptist Church. Beyond policy and politics, Birjan is a classical violinist and avid golfer, bringing a creative and thoughtful presence to every stage.
Review for Midterm Exam Business Finance, FIL 240-001, Autumn 2025, Lecture 14 Type: mp3 audio file ©2025
Review for Midterm Exam Business Finance, FIL 240-002, Autumn 2025, Lecture 14 Type: mp3 audio file ©2025
Are you constantly wondering if you're spending too much or maybe not enough in your business? Here's the truth: not every season of business is meant to be profitable. And if your spending isn't aligned with the season you're in, you could risk stunting your growth or draining cash you can't afford to lose. In this episode, Danielle Hayden, reformed corporate CFO and founder of Kickstart Accounting, Inc., walks you through the four seasons of business—developmental, growth, optimization, and stability—and shows you what healthy spending looks like in each one and their percentages. You'll learn how to align your financial strategy with your business stage so you can invest wisely, protect your cash, and build long-term sustainability. Key Takeaways: Not Every Season Is Profitable: Understanding that profitability isn't the goal in every stage of business gives you permission to reinvest strategically without guilt. Four Seasons of Business Guide Your Spending: Developmental, growth, optimization, and stability each have their own financial priorities and spending benchmarks. Healthy Spending Looks Different in Each Season: From investing in marketing during developmental mode to streamlining expenses in optimization mode, knowing where to focus can keep you on track. Your Season Isn't Fixed: Business isn't linear. You may cycle back and forth between seasons depending on opportunities, challenges, or market shifts. Financial Clarity Builds Confidence: Using your numbers as a tool helps you spend with intention and make empowered CEO-level decisions. Topics Discussed: (00:00) Intro – The 4 Seasons of Business Explained: Developmental, Growth, Optimization, and Stability (01:41) Development Mode: Spending Priorities and Benchmarks for Startups and Solopreneurs (06:48) Growth Mode: Building a Team, Scaling Systems, and Aiming for Profitability (12:29) Optimization Mode: Reducing Expenses, Focusing on Efficiency, and Leaning Into What Works (17:42) Stability Mode: Reduced Investments, Strong Profit Margins, and Balancing for Life (20:04) Outro: Kickstart's Free Healthy Spending Guide, Like, Share and Subscribe! Resources: Free Download | Healthy Spending by Seasons Guide Book a Call with Kickstart Accounting, Inc.: https://kickstartaccountinginc.com/book-a-call/ Connect with Kickstart Accounting, Inc.: Instagram | https://www.instagram.com/Kickstartaccounting YouTube | https://www.youtube.com/@businessbythebooks Facebook | https://www.facebook.com/kickstartaccountinginc
Join Megan and Joey Coberly of Landscaping Bookkeeper and lawn care business expert Kevin Salters in a dynamic Q&A session, answering your questions on business finance, growth strategies, and key financial decisions to elevate your landscaping business.
Want to master your business finances and achieve entrepreneurial success? Our next guest is Megan Schwan, CEO of Sidekick Accounting Services. She shares her remarkable journey from teen mom to building a successful business. In this episode, Megan demystifies the world of business finances, providing a fresh perspective on overcoming emotional barriers and embracing the innovative Profit First methodology. Learn how Megan's personal experiences have shaped her approach to entrepreneurship, focusing on the importance of self-care and setting boundaries to prevent burnout. Whether you're looking for financial clarity or aiming to build a sustainable business, Megan's practical tips will equip you with the tools you need for success. Connect with Megan Website: www.sidekick-accounting.com LinkedIn: https://www.linkedin.com/in/meganmschwan/ Facebook: https://www.facebook.com/mmschwan/ Instagram: https://www.instagram.com/mompreneurof4/ ✨ Join my Mompreneur Glow Up email list. It's your go-to source for all things life, leadHERship, and mindset.
Bond Prices and Yields Business Finance, FIL 240-002, Autumn 2025, Lecture 13 Type: mp3 audio file ©2025
Bond Prices and Yields Business Finance, FIL 240-001, Autumn 2025, Lecture 13 Type: mp3 audio file ©2025
Music Studio Startup: Helping music teachers thrive as entrepreneurs
Today I'm back with Leah Drake of Vibrant Valley Music Studio for part two. In part one we talked about her transition to group lessons through the chaos of COVID and losing her teaching space. It's quite the story! In today's episode we zoom in on her move to a commercial space—and the very real finances behind it. Leah is based in San Jose, so none of this is cheap. She walks us through how she chose square footage with room to grow, why she prioritized a storefront for visibility, and how she financed the whole thing. If you like numbers, this episode will not disappoint. Leah is very transparent about her budget. Here's my conversation with Leah. A full transcript and resources from this episode can be found at MusicStudioStartup.com/episode171. MSS Entrepreneurs Hub + Mastermind MSS Studio Launch Grant Competition Music Studio Business Building 101 Business Finance for Music Teachers
Bonds Business Finance, FIL 240-001, Autumn 2025, Lecture 12 Type: mp3 audio file ©2025