Podcasts about profitability

Unlocking Business Success: In-Depth Strategies from Joe Abreu's Profit Optimization ProgramIn this episode, host Josh Elledge interviews Joe Abreu, founder of GLOVISOR and creator of the Profit Optimization Program. Joe shares practical strategies for business owners to increase profitability, streamline operations, and regain balance in their lives. Drawing on years of experience advising entrepreneurs, he outlines actionable methods to uncover hidden costs, optimize systems, and improve both financial and personal well-being.The Power of Profit OptimizationJoe explains that most business owners operate in constant motion but lack clarity about where their profits truly come from—or where they're being lost. He introduces the concept of identifying “ghost expenses,” or overlooked costs that quietly erode margins. By conducting detailed audits and setting clear financial goals, owners can reclaim thousands in profit and reinvest strategically.Beyond cost control, Joe emphasizes operational efficiency and mindset. His 12-step Profit Optimization Program helps entrepreneurs design scalable systems, delegate effectively, and prepare their business as if it were being sold—even if it's not. He also connects wellness to profitability, stressing that sustainable success requires a healthy, focused leader.Joe's approach blends data-driven analysis with human insight. By combining coaching, technology, and accountability, he empowers business owners to gain clarity, reduce stress, and build companies that thrive. As he notes, “Profitability isn't just about numbers—it's about freedom.”About Joe AbreuJoe Abreu is the founder of GLOVISOR and author of the Profit Optimization Program, where he helps business owners optimize profits, systems, and leadership. Through a unique blend of financial clarity, operational strategy, and personal development, Joe has guided entrepreneurs across multiple industries toward greater profitability and balance.About GLOVISORGLOVISOR is a business optimization and coaching company dedicated to helping entrepreneurs achieve clarity, profitability, and freedom. The firm's Profit Optimization Program combines hands-on coaching, digital resources, and accountability systems to help business owners streamline operations and increase financial performance.Links Mentioned in This EpisodeGLOVISOR WebsiteJoe Abreu LinkedIn ProfileKey Episode HighlightsHow to uncover and eliminate hidden “ghost expenses”Building scalable systems and processes for growthThe importance of wellness in business performanceCombining coaching and automation for clarity and resultsActionable steps to optimize profit and reclaim freedomConclusionJoe Abreu's framework for profit optimization shows that business success isn't about working harder—it's about working smarter. By clarifying finances, tightening systems, and prioritizing well-being, owners can transform their businesses into profitable, sustainable ventures. Whether you're scaling, restructuring, or simply seeking balance, Joe's strategies offer a clear path forward toward more profit and peace of mind.

Today we are breaking down GE Aerospace. We did cover GE several years ago, but that episode focused on Larry Culp's turnaround of the conglomerate.  Ramesh Narayanaswamy, co-founder and portfolio manager of Tourbillon Partners, joins me to explore what is now a pure-play aerospace business. We discuss the unique dynamics of the aerospace supply chain and the long-cycle nature that differentiates this industry. We also explore the complexity of aircraft engine manufacturing and how GE exemplifies the powerful model of selling services attached to equipment. Please enjoy our conversation on GE Aerospace. For the full show notes, transcript, and links to the best content to learn more, check out the episode page⁠⁠⁠⁠⁠ here.⁠⁠⁠⁠⁠ —- This episode is brought to you by⁠⁠ ⁠Portrait Analytics⁠⁠⁠ - your centralized resource for AI-powered idea generation, thesis monitoring, and personalized report building. Built by buy-side investors, for investment professionals. We work in the background, helping surface stock ideas and thesis signposts to help you monetize every insight. In short, we help you understand the story behind the stock chart, and get to "go, or no-go" 10x faster than before. Sign-up for a free trial today at⁠⁠ ⁠portraitresearch.com⁠⁠⁠ — Business Breakdowns is a property of Colossus, LLC. For more episodes of Business Breakdowns, visit⁠⁠⁠⁠⁠ joincolossus.com/episodes⁠⁠⁠⁠⁠. Editing and post-production work for this episode was provided by The Podcast Consultant (⁠⁠⁠⁠⁠https://thepodcastconsultant.com⁠⁠⁠⁠⁠). Show Notes (00:00:00) Welcome to Business Breakdowns (00:01:52) Overview of GE Aerospace (00:04:01) Commercial Jet Engines: Market and Segments (00:08:16) Military and Defense Applications (00:10:07) Financials and Revenue Streams (00:15:57) The Legacy and Transformation of GE (00:20:31) Jet Engine Industry and GE's Role (00:22:04) Challenges and Partnerships in Jet Engine Manufacturing (00:28:39) Revenue Models and Customer Segments (00:30:29) Understanding the OE and Aftermarket Revenue Models (00:31:50) The Profitability of Aftermarket Services (00:34:25) Revenue Models in the Aftermarket (00:36:11) Growth Strategies and Market Dynamics (00:39:38) Impact of Economic Cycles and Resilience (00:43:33) Capital Intensity and Return on Capital (00:47:12) Competitive Landscape and Technological Risks (00:55:07) Valuation Approaches and Market Perception (00:57:39) Key Takeaways and Lessons from GE

12 proven business models that separate successful products from failures!Product Manager Brian Orlando & Enterprise Business Agility Consultant Om Patel examine 12 real-world business models with real examples of the companies that employ them!Based on "The Art of Profitability" by Adrian Slywotzky (2002), this part-1-of-2 podcast covers:• Customer Solution Model (Palantir, SAP, Salesforce)• Product Pyramid (Apple, Tesla, GM)• Multi-Component Pricing (Uber, Coca-Cola)• Switchboard Platforms (Uber, Airbnb, eBay)• Time & Materials (Consulting firms)• Blockbuster Model (Pharma, Netflix)• Profit Multiplier (Microsoft, Disney)• Entrepreneurial Model• Specialist Model (Mayo Clinic, Agile Coaches)• Installed Base (Printers, Razors, K-Cups)• De Facto Standard (Windows, Adobe PDF)• Brand Model (Apple, Nike, BMW)Perfect for product managers, agile coaches, startup founders, and business leaders trying to understand which revenue model fits their product strategy.

Earnings season meets forecast crunch time | Kate Scott‑Dawkins, Jeff Foster, and Nidhi Shah break down the latest media and marketing shifts: European broadcasters in decline, OOH gains from travel rebound, Amazon's surge in cloud and streaming ads, Tubi's early AVOD profitability, and the mixed fortunes at Peacock, Paramount+, Warner Bros. Discovery, and Disney. From sports rights battles to identity‑based targeting and looming M&A moves, the team unpacks what's driving TV and streaming ad revenues — and what brands and advertisers need to know now.Listen for:• Trends in linear TV vs. streaming ad revenue growth• Why sports rights remain top-tier ad inventory• AVOD's profitability milestone and what's next• How consolidation could reshape the media buying landscape00:00 – Introduction and forecast season overlaps02:27 – European broadcaster earnings, consolidation moves, and OOH trends09:35 – Amazon earnings: Cloud, advertising, Prime Video reach, and sports rights15:03 – Fox earnings: Tubi's growth, early profitability, and login strategy18:52 – Comcast: Peacock's subscriber trends, ad revenue, and M&A speculation21:11 – Paramount/Skydance: Ad revenue decline, price hikes, and theatrical expansion24:32 – Warner Bros. Discovery: Revenue and ad declines, streaming subs, strategic options26:07 – Disney highlights and advertiser implications27:30 – Forecast wrap‑up and upcoming focus areas

There are myriad reasons to stop making hay. Dr. Carson Roberts shared 10 of them in a recent article. He joins me to discuss those reasons, but we also discuss the practicalities of quitting hay making as well as a case study of the difference in makes in profitability.Thanks to our Studio Sponsor, Understanding Ag!Head over to UnderstandingAg.com to book your consultation today!Sponsor:UnderstandingAg.comRelevant Links:10 Reasons You Should Quit Hay Making

In this episode, I take a closer look at a topic that many BigLaw lawyers misunderstand: profitability. Most partners focus on the firm's overall "profits per equity partner" (PEP), but that number tells only part of the story. There are other profitability numbers - internal, often unseen analyses that many attorneys don't focus on but in fact shape how practices and partners are viewed, rewarded, and resourced. I explain how these shadow numbers differ from the publicly announced firm metrics, how factors like leverage, write-offs, and politics distort perceptions of profitability, and why understanding these differences can make a difference to you at your firm. Knowing how your firm evaluates profitability in different ways and how to influence those numbers is a crucial career advantage. At a Glance: 00:00 Introduction to the concept of firm profitability 01:20 Why PEP only tells part of the story and how shadow P&Ls work 02:05 How internal accounting and practice-level metrics shape profitability 03:27 Defining "shadow P&L" and how practice groups interpret performance differently 04:01 How leverage and write-offs impact profitability and risk across practices 07:14 Examples of approaches and how accounting treatments reshape profit 10:55 Why long-term relationship value can be less valued in firmwide numbers 12:18 How firms use both official and shadow P&Ls to evaluate partners and practices 13:30 How politics and perception influence profitability outcomes 15:17 How to challenge assumptions and advocate for your practice's true value 18:14 Final reflection and wrap-up   Rate, Review, & Follow on Apple Podcasts & Spotify Do you enjoy listening to Big Law Life?  Please consider rating and reviewing the show! This helps support and reach more people like you who want to grow a career in Big Law.  For Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select "Write a Review." Then be sure to let me know what you loved most about the episode! Also, if you haven't done so already, follow the podcast here!  For Spotify, tap here on your mobile phone, follow the podcast, listen to the show, then find the rating icon below the description, and tap to rate with five stars. Interested in doing 1-2-1 coaching with Laura Terrell? Or learning more about her work coaching and consulting? Here are ways to reach out to her: www.lauraterrell.com  laura@lauraterrell.com   LinkedIn: https://www.linkedin.com/in/lauralterrell/  Instagram: https://www.instagram.com/lauraterrellcoaching/  Show notes: https://www.lauraterrell.com/podcast

The first nine months of 2025 were a whiplash. Since the April drawdown, stocks, bonds, and international all ripped higher while inflation cooled unevenly and the Fed started cutting. In this Q3 2025 flyover, Gabriel Shahin, CFP® cuts through the noise and shows what actually matters for your portfolio now.What you'll learn:• What changed since April: the snapback across US stocks, bonds, international, and tech—plus why earnings still drive returns.• AI's real impact: productivity gains across sectors vs hype, and how that supports margins for profitable large caps.• Inflation mix: goods down, services sticky; what tariffs and policy shifts could mean for prices.• Rate cuts in context: how markets have historically performed when the Fed is cutting vs pausing or hiking.• Cash drag is real: why 3–4% savings looks weak next to bond yields and diversified portfolio returns.• Bonds are back: why a declining-rate backdrop can lift prices, not just coupons, and how credit/term choices affect risk.• Diversification that works: US, international, and alternatives; why “all-time highs” aren't a sell signal.• Options overlays: when covered calls can help income—and the trade-offs, taxes, and cap-on-upside.• Legacy mutual funds: capital-gain distribution risks from high turnover and how to plan around them.• Factor tilts: adding profitability across large, mid, and small caps to seek higher risk-adjusted returns.Chapters:0:00 Intro and why Q3 positioning matters1:10 What's changed since April3:30 Earnings, GDP, and jobs vs productivity6:10 Inflation layers and policy pressures8:00 Fed cuts and historical market performance10:00 Cash vs bonds vs 60/4012:00 International, dollar, and gold context14:00 Options income overlays16:00 Legacy mutual funds and CG distributions18:00 Alternatives and liquidity trade-offs19:30 Profitability tilts across market caps21:00 Takeaways and next steps

Feeling like your clinic's expenses keep growing but profits aren't?In this episode of the Grow Your Clinic podcast, Ben, Hannah, Jack and Pete break down how to take control of your clinic costs without cutting corners. You'll learn how to separate true expenses from smart investments, identify hidden money leaks (like subscriptions, meetings, and admin hours), and reallocate funds toward what actually drives growth—your team and your clients.If you're ready to stop wasting dollars and start spending with strategy, this episode will help you tighten your costs, boost profitability, and build a stronger, more sustainable clinic.  Need to systemise your clinic? Start your free trial of Allie!https://www.allieclinics.com/    In This Episode You'll Learn:

Dave reveals what its like working in an Amazon Business based in China, sourced from a Chinese forum. He talks about the differences of the Chinese vs. American e-commerce businesses, and how they structure their businesses by expanding to multiple marketplaces almost immediately.  Today's episode is sponsored by Sellerboard. Sellerboard helps users track sales, refunds and fees in real time, and even counts your indirect expenses in final profit. Beyond analytics, Sellerboard also streamlines operations with smart portfolios for PPC, inventory forecasting & management and more! Try Sellerboard free for 2 months — no credit card required. Just go to sellerboard.com/ecomcrew and get clarity on your margins today. There was a recent post on a Chinese discussion board looking for advice.  The author recounted all of his previous experiences working at various e-commerce companies that have an Amazon focus and he realized that the Amazon landscape was changing at a pace he couldn't keep up with.  This is particularly helpful for us western e-commerce sellers, because it helps us figure out what the Chinese are doing on Amazon that gets their sales high and prices low.  Timestamps  00:00 - Introduction to Chinese Amazon Sellers' Insights 03:08 - The Journey of a Chinese Amazon Employee 06:03 - Daily Operations and Responsibilities 08:58 - Promotions and Performance Metrics 11:58 - Challenges and Strategies in Product Management 15:00 - Expansion into Domestic Markets 15:18 - Challenges of Management and Promotion 16:09 - Cultural Differences in Work Ethic 17:33 - Advertising Frameworks and Product Launches 19:37 - Developing a Unique Marketing Strategy 21:29 - Sales Performance and Product Viability 23:05 - Mental Health and Career Stagnation 24:09 - Product Development Challenges 25:44 - Profitability and Product Selection 27:10 - Lessons from the Chinese Market As always, if you have any questions or anything that you need help with, leave a comment down below if you're interested. Don't forget to leave us a review on iTunes if you enjoy our content. Thanks for listening! Until next time, happy selling!

From Startups to a $941 Million Exits: The Execution Formula for Entrepreneurs   Most entrepreneurs don't fail because they lack ideas—they fail because they stop executing. Planning feels safe. Execution exposes reality. Billion-Dollar Coach Marc L. Daniels learned that truth the hard way—from paper routes to startups to a $941 million exit. In this episode of Richer Soul, Marc reveals why 85 percent of business plans fail, how to build the discipline to follow through, and the system that keeps momentum alive even when markets shift.   Key takeaways and reflection:  Most Plans Fail in Execution, Not Design. A perfect plan on paper means nothing if you don't act on it. Marc shared that only 7 out of 100 companies both plan and execute effectively. Reflection: How often do you review your goals after you set them? The Rhythm of Success: Quarterly Planning + Weekly Check-Ins. Annual plans fade fast. Marc recommends quarterly focus with a short list of priorities—and a weekly leadership check-in to track progress. This rhythm keeps accountability alive. Reflection: Do you have a weekly rhythm that forces progress on what matters most Trends Are Waves—Learn to Paddle Early. Marc built multi-million-dollar businesses by spotting and riding trends early. But he warns: AI isn't a trend, it's table stakes. The key is to distinguish short-term fads from shifts that redefine industries. Reflection: Are you riding the right wave—or chasing shiny distractions? Build Around Core Values, Not Just Skill Sets. Talent without alignment creates chaos. Marc hires for values first, knowing skill can be taught but character can't. Reflection: Does your team share your values—or are you tolerating misalignment because they perform well? Manage Your Success Before It Manages You. As Marc says, "Learn to manage success." Growth can destroy a business if systems and habits don't mature with it. Discipline, boundaries, and reflection are what turn momentum into mastery. Reflection: How are you managing your success so it doesn't manage you? Planning for the Future Means Expecting Change. Marc's company once lost its footing when the market shifted overnight. His takeaway: tear up the plan when the world changes. Flexibility beats rigidity every time. Reflection: When was the last time you updated your plan to match new realities?   Money Learnings: Marc's early lessons with money came from necessity—earning his own cash as a kid and even buying his dad new tires when the family couldn't afford them. That foundation shaped his lifelong belief: cash flow is freedom. In business, he learned the hard way that relying on investors or trends without strong margins is a recipe for collapse. Profitability and discipline—not outside money—create true security. His mantra: get cash-positive fast, manage success wisely, and never stop adjusting your plan.   Key Takeaway: Execution is not about doing more—it's about doing what matters most, consistently. Set quarterly goals, hold weekly check-ins, ride the right trends, and build a team that shares your values. That's how billion-dollar growth is created—one disciplined week at a time.   Bio: Marc L. Daniels, known as the "Billion Dollar Coach," is a globally recognized business strategist who helps entrepreneurs turn vision into growth. With decades of experience guiding companies across 16+ countries, Marc has driven ventures from startup to multimillion-dollar exits, including co-founding Diligent, acquired for $941 million. Through hands-on coaching, workshops, and his Strategic Planning Academy, he equips business leaders to spot emerging trends, execute with precision, and achieve lasting success.   Links: Website: https://marcldaniels.com/  LinkedIn: https://www.linkedin.com/in/marc-l-daniels-231456a3/ Facebook: https://www.facebook.com/people/Marc-L-Daniels/61566554887388/ Instagram: https://www.instagram.com/marcldaniels/ YouTube: https://www.youtube.com/@MarcLDaniels   Take ten minutes today to review your plan. What's working, what's stuck, and what needs to change? Then share this episode with someone who's ready to stop planning and start executing.   #Execution #EntrepreneurMindset #BusinessGrowth #StrategicPlanning #RicherSoul #MarcDaniels #Leadership #PurposeDrivenSuccess   Watch the full episode on YouTube: https://www.youtube.com/@richersoul Richer Soul Life Beyond Money. You got rich, now what? Let's talk about your journey to more a purposeful, intentional, amazing life. Where are you going to go and how are you going to get there? Let's figure that out together. At the core is the financial well-being to be able to do what you want, when you want, how you want. It's about personal freedom! Thanks for listening!   Show Sponsor: http://profitcomesfirst.com/   Schedule your free no obligation call: https://bookme.name/rockyl/lite/intro-appointment-15-minutes   If you like the show please leave a review on iTunes: http://bit.do/richersoul   https://www.facebook.com/richersoul http://richersoul.com/ rocky@richersoul.com   Some music provided by Junan from Junan Podcast   Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.

Ryan Kimler is the founder of Net Profit CFO and host of the Net Profit Podcast. He and his team help law firm owners understand their numbers, make better business decisions, and build more profitable and sustainable practices by using accounting and finance to give firm leaders clear information they can act on, so their businesses stay financially healthy and have the resources to grow. WHAT'S COVERED IN THIS EPISODE ABOUT LAW FIRM PROFITABILITY Law school teaches lawyers how to practice law, not how a law firm makes money. Many attorneys work hard, bill hours, build relationships, and still don't really know how the business side works. The truth is, partners and firm leaders usually want younger lawyers to understand this—they just don't always talk about it unless someone asks. When you understand how the money moves through a firm, everything gets clearer. You can see what makes a matter profitable, what slows things down, and how your work contributes to the bigger picture. It also gives you insight into the decisions that drive compensation and advancement. In this episode of The Lawyer's Edge, Elise talks with fractional CFO Ryan Kimler about the business of law and why every lawyer should understand it. They break down how law firms actually make profit, why busy doesn't always mean profitable, how pricing and staffing decisions affect results, and how lawyers at every level can use financial information to make smarter choices about their careers. 2:18 – Why good legal work doesn't automatically translate into compensation 4:12 – The silent profit killers: time leakage, realization, and collection rates 8:26 – Two lawyers bill the same hours. One generates more profit 12:13 – Lawyers get promoted into leadership without ever learning the business of law 15:02 – Why firm leaders are relieved when associates ask how the business works 18:16 – What financially healthy firms track that struggling firms ignore 21:17 – Lawyers lose money doing their own admin work instead of delegating 27:21 – A simple way to know when it is time to hire help 30:39 – The pricing mistake that leaves money on the table at many firms 35:20 – Ryan's biggest advice for lawyers who want to earn more MENTIONED IN MONEY MATTERS: WHAT EVERY LAWYER SHOULD KNOW ABOUT LAW FIRM PROFITABILITY Net Profit CFO | LinkedIn Ryan Kimler on LinkedIn The Net Profit Podcast Get connected with the coaching team: hello@thelawyersedge.com The Lawyer's Edge SPONSOR FOR THIS EPISODE Today's episode is brought to you by the Ignite Women's Business Development Accelerator, a 9-month business development program created BY women lawyers for women lawyers. Ignite is a carefully designed business development program containing content, coaching, and a community of like-minded women who are committed to becoming rainmakers AND supporting the retention and advancement of other women in the profession. If you are interested in either participating in the program or sponsoring a woman in your firm to enroll, learn more about Ignite and sign up for our registration alerts by visiting www.thelawyersedge.com/ignite.

Episode 56 CFO Voices on TReDS | Experiences from India's Business Finance Leaders Welcome back to MSME TALK®. This Industry Insights episode brings together voices from three CFOs to share experience on TReDS, invoice discounting platform for fellow CFOs and Business owners for MSMEs, SMEs , Large , Mid , PSUs enterprises.   Why did we do this episode: Even successful Businesses in other countries are closing because of succession issues , we are witnessing the same in India. Hence we want our Business Entrepreneurs to warm up for Business Legacy.   In this episode, we explore: TimeStamp 00:00:00  Teaser  00:00:22  MSME TALK Podcast Intro  00:00:38  Episode Overview  00:00:59  Disclaimer  00:01:31  Guest Intro – Mr. Dhamarajan  00:02:11  First heard about TReDS?  00:02:57  Key benefits experienced  00:05:04  Did turnover improve?  00:05:35  Profitability or cost savings  00:05:56  Active usage frequency  00:06:32  Number of MSME vendors  00:06:50  Started as buyer and seller  00:08:15  Platform used and experience  00:09:11  Message for CFOs and MSMEs  00:11:14  Message for large buyers  00:11:36  One guidance or hack  00:13:13  Closing remarks  00:13:43  Guest Intro – Mr. Satish Kotakota  00:16:02  Specific benefits seen  00:18:29  Continued use and future plans  00:21:02  Platforms used and ranking  00:21:52  Message for CFOs and MSMEs  00:24:19  One key guidance or hack  00:26:01  Closing remarks  00:26:27  Guest Intro – Mr. Mohapatra  00:27:47  Initial perception of TReDS  00:29:32  Benefits experienced  00:31:14  Impact on rating or profits  00:32:46  Vendor relationship improvement  00:32:57  Continued usage of TReDS  00:33:14  Platform used and experience  00:33:51  Message for CFOs and MSMEs  00:36:04  Guidance for other CFOs  00:37:32  Closing remarks     MSMEs & startups are looking for various kinds of supports & upgrade. Are you a Product, Service Provider, Expert, Advisor, Consultant, Mentor for MSMEs/Startups? Reach out to MSME TALK to list your business. Fill the form to help us reach out to you. Hey MSME TALK listeners! Hope you have not missed subscribing to our newsletter for the latest news, blogs, and podcast updates. We don't spam your inbox , hence we have highest rate of letter opening in Industry. Subscribe here for Newsletter. MSME TALK Podcast enters Peak Ranking Chart of 20+ Countries in the Apple Podcast Country Entrepreneurship Category. WhatsApp : Send hi - https://wa.me/918097665085 LinkedIn Facebook Instagram Twitter Website Contact us : connect@msmetalk.comClick to All Social Media , Podcast etc links at one place Please give your rating and reviews on apple podcast or Spotify

AI, the Future of Work, and Cybersecurity Are Intertwined! Why it matters: Business processes are being transformed, yielding opportunities and RISKS - leaders should be aware. Bio: Ephraim Ebstein is the CEO and Co-founder of FIT Solutions, LLC. Ephraim is not just another cybersecurity guy-he's a $30M entrepreneur who built two national companies from the ground up, and now helps business leaders turn tech headaches into growth engines. .IG: @kingspear @fitsolutionsllc Ephraim Ebstein | LinkedIn https://fitsolutions.biz/ Web Mastering Work Intake sponsors SPaMCAST! Starting Everything Means Finishing Nothing One big thing: Poor work entry means delivering less. Why it matters: Work Intake controls what a team works on and when they work on it. Overloaded teams deliver less value. Poor prioritization leads to delivering the wrong work. Chaotic work intake costs organizations money and time. Zoom in: Mastering Work Intake by Jeremy Willets and Tom Cagley provides the reader with ideas, principles, actionable advice, worksheets, and examples to deliver more value. Buy a copy! JRoss Publishing: https://bit.ly/474ul6G Amazon: https://amzn.to/4236013 Process Debt Swamp Platform Teams! Over-abstraction slows teams by INCREASING complexity. Why this matters: Profitability is HIGHLY related to productivity. SPaMCAST 879 will be posted in two weeks. If you would like to participate in the panel discussions, email me at spamcastinfo@gmail.com.

In this episode, Defra is considering 57 recommendations after Minette Batters submits her long-awaited Farm Profitability Review.We take a look at some of main themes – including better collaboration between farmers and a closer relationship between industry and government.A cross-party group of MPs say urgent action is needed to improve agricultural productivity and avert the loss of UK farmland.And a major food processor explains why it is working to reward growers for adopting more sustainable farming methods.This episode of the Farmers Weekly Podcast is co-hosted by Johann Tasker, Louise Impey and Hugh Broom.Contact or follow Johann (X): @johanntaskerContact or follow Louise (X): @louisearableContact or follow (X): @sondesplacefarmFor Farmers Weekly, visit fwi.co.uk or follow @farmersweeklyTo contact the Farmers Weekly Podcast, email podcast@fwi.co.uk.In the UK, you can also text the word FARM followed by your message to 88 44 0.

Profit Growth Cycles: Navigating the Financial Growing Pains of a Cash Practice In this episode, Doc Danny Matta breaks down the financial growing pains every clinic owner faces when scaling from a small subleased space to a full standalone practice. He explains how to manage cash flow, survive low-profit growth cycles, and make smart reinvestments that turn short-term sacrifice into long-term stability. Quick Ask If this episode helps you think differently about your business finances, share it with a fellow PT who's growing their practice—and tag @dannymattaPT so he can reshare! Let's help more clinicians build profitable, sustainable businesses. Episode Summary Profit growth cycles explained: Every clinic hits a point where growth requires reinvestment—usually when moving from a sublease to your own space. Why cash flow matters: Managing money across three core accounts (Operating, Tax, and Profit) keeps your business stable during transitions. Expect profitability dips: Early growth means more expenses—staff, rent, equipment—so it's normal for profit margins to temporarily shrink. Your business is your best investment: Reinvest in your people, your space, and your systems before chasing outside investments. Live lean and ride it out: Reduce personal spending, protect cash, and build reserves to get through your growth phase faster. Lessons & Takeaways Plan for the punch: Growth hurts less when you know it's coming—prepare your finances like you would prepare for a hit. Separate your money: Use simple account systems to stay disciplined and avoid overspending during expansion. Keep your eyes on the next hire: Profitability improves dramatically after you add your second and third full-time providers. Stay lean, not lavish: Skip the vacations and upgrades during your build-out—this season requires focus and restraint. Don't panic when profits dip: It's a temporary phase, not a failure. Every healthy business goes through it. Mindset & Motivation Short-term pain for long-term success: Scaling up means taking a step back before you can leap forward. Be the investor: Treat your clinic like your best-performing stock—reinvest in what's working and let compounding do the rest. Know your game: Not everyone needs to build a seven-figure empire. Define success, grow strategically, and enjoy the process. Pro Tips for Clinic Owners Track your accounts weekly: Review your Operating, Tax, and Profit accounts to maintain awareness and control. Build 3–6 months of reserves: Cash on hand allows for smarter decisions and less emotional reaction during slow periods. Focus on utilization: Aim to fill two to three full-time providers quickly to stabilize profitability post-growth. Keep learning business fundamentals: Clinical skill alone won't scale a company—you must master marketing, hiring, and leadership. Notable Quotes "Your business is your best investment—stop treating it like a side hustle." "When growth hits, your profit account might hit zero—and that's normal." "Being a great clinician is not enough. You need to be a great business owner, too." Action Items Set up or review your three core accounts: Operating, Tax, and Profit. Map out your next growth cycle and identify upcoming expenses before they hit. Audit your monthly personal spending and cut what's unnecessary for 6–12 months. Calculate how many full-time providers your space can sustain and plan to reach that headcount. Programs Mentioned PT Biz Mastermind: A program designed to help clinic owners scale efficiently, manage finances, and lead high-performing teams. PT Biz Part-Time to Full-Time 5-Day Challenge (Free): Learn how to replace your income and go full-time in your practice. Join here. Resources & Links PT Biz Website Free 5-Day PT Biz Challenge About the Host: Doc Danny Matta — physical therapist, entrepreneur, and founder of PT Biz and Athlete's Potential. He's helped over 1,000 clinicians start, grow, and scale successful cash-based practices across the U.S.

How Haley Pavone turned a college injury into an eight-figure convertible footwear brand built on curiosity, grit, and smart, sustainable growth.For more on Pashion Footwear and show notes click here Subscribe and watch Shopify Masters on YouTube!Sign up for your FREE Shopify Trial here.

I'm Josh Kopel, a Michelin-awarded restaurateur and the creator of the Restaurant Scaling System. I've spent decades in the industry, building, scaling, and coaching restaurants to become more profitable and sustainable. On this show, I cut through the noise to give you real, actionable strategies that help independent restaurant owners run smarter, more successful businesses.In this episode, I dig into how smart menu design can completely transform your restaurant's performance. I explain how structure, storytelling, and price positioning shape the guest experience and directly impact profitability. You'll learn how to streamline decisions, highlight your most profitable items, and turn your menu into one of your most powerful marketing tools. TakeawaysStructure is key to a profitable menu.Cutting choices, not items, improves decision-making.Menus should guide the guest's journey logically.Price positioning enhances perceived value.Storytelling in menu descriptions increases sales.Emotional language resonates more than technical jargon.Observing guest behavior can identify menu choke points.Clear section headings improve menu navigation.Pricing anchors make items feel more affordable.Redesigning menus can reduce decision time.Chapters00:00 Introduction to Restaurant Marketing Masterclass01:02 Understanding Menu Structure for Profitability03:17 Designing Menus for Decision Efficiency05:12 The Importance of Price Positioning06:11 Crafting Emotional Menu Descriptions07:38 Actionable Steps to Improve Your MenuIf you've got a marketing or profitability related question for me, email me directly at josh@joshkopel.com and include Office Hours in the subject line. If you'd like to scale the profitability of your restaurant in only 5 days, sign up for our FREE 5 Day Restaurant Profitability Challenge by visiting https://joshkopel.com.

In this episode of Run the Numbers, CJ Gustafson sits down with Sam Jacobs, Founder and CEO of Pavilion, the global community for GTM leaders. Sam shares how getting fired multiple times as a CRO led him to build a business rooted in belonging — one that monetized members first, prioritized intimacy over growth, and turned a Slack group into a multimillion-dollar company. He and CJ unpack the mechanics of community: the tradeoffs between exclusivity and expansion, why venture capital doesn't always fit human-centered businesses, and how Pavilion balances pricing, curation, and access. They also explore the evolution of the GTM function — from the myth of the plug-and-play VP of Sales to how AI is reshaping RevOps, forecasting, and leadership. Finally, Sam reflects on building durable value beyond personal brand and what it really takes to scale trust as a product.—LINKS:Sam Jacobs on LinkedIn: https://www.linkedin.com/in/samfjacobs/Company: https://www.joinpavilion.com/CJ on X (@cjgustafson222): https://x.com/cjgustafson222Mostly metrics: https://www.mostlymetrics.com—RELATED EPISODES:E120: What does the future of tech look like when it costs $0 to switch software?https://www.youtube.com/live/Cpw2pkq-FXI?si=-0y0tcLTIlIbkmyOCFOs: Want to Outmaneuver Your Competitors? Here's the Jedi Mind Trickhttps://youtu.be/Yte_fe1xF90?si=hVfgdd0Fg0PQuuoSThe Gross Margin Episode with Sarah Wang of a16zhttps://youtu.be/72aP5ohBxvE—TIMESTAMPS:00:00:00 Preview and Intro00:03:05 Sponsors – Mercury, RightRev, and Tipalti00:06:50 Pavilion, Community, and Go-to-Market Leadership00:10:28 Career Tenure and Executive Turnover00:12:55 Compensation Structure and Equity Negotiation00:14:31 Building Wealth Through Equity00:16:30 Sponsors – Aleph, Fidelity Private Shares, and Metronome00:19:36 Managing Wealth, Lifestyle, and Longevity in Leadership00:22:58 Founding Pavilion to Empower Operators00:25:13 Taking Roles for Learning, Titles, and Leverage00:28:47 Contrarian Executives, Team Dynamics, and Leadership Lessons00:30:36 What Makes a Great VP of Sales00:33:23 Revenue, Profitability, and Misaligned Incentives00:35:08 Quota Setting, Forecasting, and Spreadsheet Pitfalls00:39:07 AI in Sales and the Myth of the AI SDR00:40:32 The Future of Playbooks in the Age of AI00:43:38 The Dangers of AI and the Need for Humans in the Loop00:45:27 Monetizing Pavilion – Memberships, Sponsors, and Pricing Strategy00:49:30 Building Higher-Margin Community Businesses00:57:46 Building a Personal Brand with Long-Term Value01:01:52 Closing Credits and Outro—SPONSORS:Mercury is business banking built for builders, giving founders and finance pros a financial stack that actually works together. From sending wires to tracking balances and approving payments, Mercury makes it simple to scale without friction. Join the 200,000+ entrepreneurs who trust Mercury and apply online in minutes at https://www.mercury.comRightRev automates the revenue recognition process from end to end, gives you real-time insights, and ensures ASC 606 / IFRS 15 compliance—all while closing books faster. For RevRec that auditors actually trust, visit https://www.rightrev.com and schedule a demo.Tipalti automates the entire payables process—from onboarding suppliers to executing global payouts—helping finance teams save time, eliminate costly errors, and scale confidently across 200+ countries and 120 currencies. More than 5,000 businesses already trust Tipalti to manage payments with built-in security and tax compliance. Visit https://www.tipalti.com/runthenumbers to learn more.Aleph automates 90% of manual, error-prone busywork, so you can focus on the strategic work you were hired to do. Minimize busywork and maximize impact with the power of a web app, the flexibility of spreadsheets, and the magic of AI. Get a personalised demo at https://www.getaleph.com/runFidelity Private Shares is the all-in-one equity management platform that keeps your cap table clean, your data room organized, and your equity story clear—so you never risk losing a fundraising round over messy records. Schedule a demo at https://www.fidelityprivateshares.com and mention Mostly Metrics to get 20% off.Metronome is real-time billing built for modern software companies. Metronome turns raw usage events into accurate invoices, gives customers bills they actually understand, and keeps finance, product, and engineering perfectly in sync. That's why category-defining companies like OpenAI and Anthropic trust Metronome to power usage-based pricing and enterprise contracts at scale. Focus on your product — not your billing. Learn more and get started at https://www.metronome.com#RunTheNumbersPodcast #Finance #CommunityBuilding #Leadership #GoToMarket This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit cjgustafson.substack.com

Fran Tabor has a small business owner with Survivor's Attitude.She wrote the Kindle top 10 Live Abundantly! 50 Business Lessons from the Bible.Also wrote Shhhh! It is a Secret. How to Compete against Walmart & the Internet, available in audio & print, Female Small business owner since 1978, went from 20,000/yr to over $1,000,000/yr since 2003.My business has survived divorce, uninsured cancer, embezzlements, recessions, rapidly changing demographics -- and continues to grow.In addition to other books, she wrote Sci Fi epic To Own Two Suns and Montana romance Eagle Rock.The Bible belongs to the gritty world of twenty-first century business. When to fire? Market research? Home-life/Work-time balance? Bankruptcy? All that and more is in the Bible, along with His promise that if we follow His Laws, we will live abundantly. With humor and compassion, this concise book shares the principles which helped the author's business bounce back from insolvency to profitability. The fifty short, entertaining lessons in Live Abundantly! weave together Bible stories, worldly references, and direct quotes from the Bible.She is the author of Live Abundantly! 50 Business Lessons from the Bible. https://www.amazon.com/Live-Abundantly-Business-Lessons-Bible/dp/145631159Xhttp://www.yourlotandparcel.org

INTRO:I'm Hank, a nineteen year podcasting veteran, filmmaker, and YouTuber, and this is my review of Disney's Tron: Ares.This is a spoiler-filled review of the movie so if that's not your cup of tea this review won't be for you. Note: I saw this movie in 3D and I have never seen Tron: Legacy. I'm neither a Tron fan nor do I know much about the lore.BUDGET:$180-$220 million for production and another $100-ish million for marketing. We're looking at around $300 million dollars when it's all said and done. Three weeks in and we're at about roughly $125 million. OUCH! Profitability is way out of reach.SETTINGS:The world of Tron: Ares is pristine! The saturated colors jump off the screen even in the often dark settings. I found the visuals of this movie to actually match the inflated budget. Moreover, even the regular settings were shot with depth and attention to detail that is simply missing in most modern movies.CHARACTERS:I'm not going to reflect on all the characters, but I'll talk about the main cast.Jared Leto plays the one note Ares computer program that comes to life via the permanence code. I've heard a lot about how bland the Ares character is and I thought to myself how would I direct an actor to convey lines as a computer program made real? Probably just as stilted as his delivery. Could you have made the character be the one “special” character who delivers lines in a human way to set him apart from the others? I'm sure you could, but the way he delivered the lines, while bland, is probably the most logical course. I did like how he questioned what was happening, but those nuanced lines seem lost on many moviegoers. Greta Lee plays Eve Kim the CEO of ENCOM who is trying to find Kevin Flynn's "permanence code" to use for humanitarian purposes. While the character type has been done to death I did find myself having a soft spot for her based on her arc being tied to the death of her sister Tess. Her purpose driven story made sense but has been done ad nauseum. Jodie Turner-Smith as Athena seemed to finally be a role that worked for her. She's basically a 3D printed Terminator and I liked that they didn't stray from her mission and try to make her likeable.Evan Peters as Julian Dillinger was where the wheels started to come off of this movie. This tech billionaire trope is even worse than the Eve Kim checkbox character.Gillian Anderson's Elisabeth Dillinger was a waste in my opinion. She should have played the antagonist and been desperate to cement her legacy and then let things go off the rails from there. I'd of yeeted Evan Peters from the film faster than my ex can make a box of Girl Scout cookies disappear.Jeff Bridges (Kevin Flynn) is the white Samuel L. Jackson. He has devolved to a caricature. Arturo Castro as Seth Flores is simply miscast. That character has to be much younger in my opinion. Instead of a 40-year old, I'm casting someone in their early to mid 20's. HITS:The overall visuals are astounding! There's simply too much eye candy to ignore. From the suits, to the literal hacking where programs fight each other, I was blown away by the look and style of the film.I found the 3D printing insertion into the story to be both timely and cool. The effects for laser printing things in the real world were especially awesome.The 29 minute time limit for Ares and the others coming through to the real world was an idea I really liked. It reminded me of the recording limits back in the early 2010's where cameras that could record for 30 minutes or more were taxed at a higher rate than cameras that recorded for less than 30 minutes. It could be a nerdy deep cut

How is El Pollo Loco giving customers value without giving up profits?This week's episode of the Restaurant Business podcast A Deeper Dive features Liz Williams, CEO of the fast-food chicken chain. El Pollo Loco just reported a decline in same-store sales with an increase in traffic and restaurant-level profits. Generally speaking when customers pay less per order it's hard to generate profit growth. Williams explains how the company did this.But we talk about a lot of other things, including the company's development strategy—it just opened its 500th restaurant—and the difficulty of operating in California, especially these days.We also talk about the chain's plan for beverages and why that's a huge opportunity. And the company is testing a couple of intriguing chicken products. This is a great conversation with Liz Williams so please check it out. 

Send us a textAre you managing your business or truly leading it? This week on "The Selling Podcast," Mike and Scott welcome strategic expert Jim Hanlon to discuss a powerful, often overlooked truth: the best CEOs are often the best CE-'NO's.Jim breaks down the mindset required to run your business with laser-like focus. He explains that great leadership often requires the courage to say "no" to distractions and opportunities that, while tempting, don't align with your core mission.The central lesson is clear: look critically at what is making money and what is not. Jim argues that if an activity, product, or service isn't generating revenue, you must have the discipline to stop it. We discuss how to strategically analyze your offerings and ensure everything you do aligns perfectly with your existing strengths and goals.Tune in to learn how to stay focused, remain true to your vision, and adopt the strategic discipline of a CE-'NO' to maximize profitability and drive genuine business growth.Support the showScott SchlofmanMike Williams - Cell 801-635-7773 #sales #podcast #customerfirst #relationships #success #pipeline #funnel #sales success #selling #salescoach

At what point should a gym owner stop coaching and start leading? Knowing when to step back from the floor can make or break growth.Welcome to Gym Marketing Made Simple, the show that helps boutique gym owners grow their member base, boost revenue, and build smoother systems—without the chaos of complex marketing tactics.Episode HighlightsThis episode breaks down when it's time for gym owners to hire a full-time coach and step out of day-to-day coaching. Tommy Allen explains the key revenue and membership benchmarks that signal it's time to delegate so that owners can focus on growth, operations, and retention.Key TakeawaysA good time to hire a full-time coach is when the gym reaches 75–100 members and generates $15,000–$20,000 in monthly revenue.Delegating coaching allows owners to focus on marketing, systems, and operations that sustain long-term growth.Group sessions exceeding 15 people can impact quality—another sign it's time to bring in coaching support.Profitability, not just revenue, determines when hiring makes financial sense.Stepping back from coaching frees up time to refine processes and attract more clients.Episode Chapters00:00 Intro00:18 Question of the Day: Revenue and Coaching01:10 Delegating Coaching ResponsibilitiesCall to ActionIf this episode helped clarify when to make that next big hire, make sure to follow the show for more real conversations on gym growth and marketing that actually works.Supporting Information

The October Canadian Farmer Sentiment Index (CFSI) results from RealAgristudies reveal a steady, though cautious, outlook among Canadian farmers as 2025 draws to a close. Based on responses from 547 producers across the country, the October survey highlights ongoing financial pressure but also pockets of resilience and optimism within the industry. When asked to assess... Read More

Asgrow® XtendFlex® soybeans continue to help farmers improve yield and profitability. Seed brands are launching 43 new products for 2026. In this episode of Managing for Profit, Lance Tarochione, Technical Agronomist at Bayer Crop Science, discusses how farmers can make smart seed decisions ahead of the 2026 growing season.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Big growth in 2026 starts with clarity and in knowing where your clinic ends and your business begins. Dr. Pete and Dr. Stephen unpack why separating the “remarkable practice” from the “remarkable business” is the key to building capacity, increasing profitability, and leading your team with purpose. They explain how focusing on throughput and output helps you see what's really driving results, and why understanding your key numbers (like CPL, CAC, and LTV) gives you confidence and control as you scale. It's a powerful conversation about thinking bigger, leading better, and planning smarter for the year ahead.In this episode you will:Learn why clarity between practice and business accelerates growth.Understand the difference between throughput and output.Discover why knowing your key numbers gives you control and confidence.See how strong leadership and alignment drive team performance.Get inspired to plan your 2026 with purpose and clarity.Episode Highlights01:42 – Learn why clarity is the greatest accelerator heading into 2026.03:38 – Discover why promoting chiropractic is about mission, not marketing.05:38 – Hear how leadership starts with every person on the team.07:36 – Understand why TRP split immersions into practice and business focus.09:19 – Learn the difference between the clinical practice and the business engine.11:00 – Explore the operational domains that drive growth and capacity.11:28 – See how business domains connect to leadership, money, and impact.11:48 – Learn why throughput and output represent two sides of your success.12:53 – Understand how stepping into the CEO role transforms your team and culture.17:55 – Identify the three identities—clinician, operator, and business builder.19:12 – Discover how everyone on your team contributes to saving lives.20:08 – Learn how marketing, sales, and delivery align under one clear purpose.21:15 – Hear why knowing your key metrics creates focus and control.22:07 – Learn how optimizing Day 1–4 increases trust and conversions.24:34 – Get inspired to lead your team into 2026 with clarity and confidence. Resources MentionedLearn more about the TRP Remarkable Business Immersion March 6 - 7, 2026 in Phoenix, AZ and March 20 - 21, 2026 in Brisbane, Aus - https://theremarkablepractice.com/upcoming-events/To learn more about the REM CEO Program, please visit:http://www.theremarkablepractice.com/rem-ceoBook a Strategy Session with Dr. Pete - https://go.oncehub.com/PodcastPCPrefer to watch? Catch the podcast on YouTube at: https://www.youtube.com/@TheRemarkablePractice1To listen to more episodes, visit https://theremarkablepractice.com/podcastor follow on your favorite podcast app.

The government's announced the number of agricultural seasonal workers visas allowed for the UK for next year. 41,000 visas will be made available for horticulture and 1,900 for poultry. It's slightly lower than the current allowance, but the National Farmers Union has welcomed the announcement, saying it has been made in good time, so farms can organise recruitment ahead of next year's harvest. However the NFU says if the horticulture sector is to grow, it will need more workers in the future - and it is still waiting for details of a five-year plan from the government.All this week, we are talking about seeds. Today we visit a seed merchant who specialises in grass and wildflower mixes for environmental schemes. We hear how the business is affected by checks at the EU border and uncertainty over agri-environment schemes.How can farms stay profitable? And if the answer is by providing something other than food, what are the implications for domestic food production? After warnings that UK food production could drop by almost a third by 2050, we speak to a farmer who's moved away from growing fruit and cereals to diversify into a range of businesses to keep the farm afloat.Presenter = Anna Hill Producer = Rebecca Rooney

Want a free scaling workshop for your business? Schedule a call now to see if you qualify: coltivar.com/schedule-your-call Not sure what your numbers are telling you? Get a free review: coltivar.com/financial-review Most business owners spend thousands on sales and marketing, but few know if it's actually paying off.Steve breaks down how to measure the real return on your sales and marketing spend using three simple checks. He explains how to evaluate the effectiveness of your funnel, calculate your LTGP-to-CAC ratio, and use cash collection formulas to fuel growth without burning through cash. This episode will help you finally connect sales, marketing, and cash flow so you can scale with confidence._______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube coltivar.com

What's the million dollar question every entrepreneur needs to answer? It's not just about growth—it's about building a profitable business you can actually exit from.In this episode, NaRon Tillman sits down with Marcia Riner, founder of Infinite Profit, to reveal the strategies most entrepreneurs miss when it comes to true business profitability. Marcia breaks down why you should prepare your business for sale from day one (even if you never plan to sell), how incremental improvements compound into massive results, and the mindset shifts that separate struggling business owners from profitable ones.

Welcome to another episode of The Brand Called You! Today, we sit down with Ben Hansen, the founder of Profit Doctor, for an eye-opening discussion about profitability, business growth, and the strategies that separate thriving businesses from those stuck in survival mode.

The Stroom Network presents an interesting proposition: staking your bitcoin on the Lightning network, and earning yield from the transaction fees that routing nodes are collecting. To better explain how this system works, Slava and Ros join the show! Time stamps: 00:01:17 - Introduction to Bitcoin Takeover Podcast Season 16 Episode 54 00:01:23 - Welcoming Slava Zhygulin and Ros from Stroom Network 00:01:52 - Overview of Stroom Network: Liquid staking on Lightning Network 00:02:38 - How Stroom works: Depositing BTC for yield via transaction routing 00:03:55 - Liquid token as receipt for deposited BTC 00:04:21 - Addressing Bitcoin purists' concerns about staking and yield 00:05:32 - Token issuance on Ethereum, redeemable 1:1 with BTC 00:06:37 - Custodian role: Fortuna Custody for secure setup 00:06:49 - User process: Staking BTC, receiving ST BTC token 00:09:06 - Stroom's Lightning node on 1ml.com: 180 BTC capacity, top rankings 00:10:06 - Background: Work with Lightning since 2016, ex-Bitfury team 00:11:15 - Lightning Network capacity: ~5,000 BTC total 00:12:18 - Bullish on Lightning: 4x payment volume growth per River Finance reports 00:14:33 - Lightning's infinite scalability vs. blockchains like Solana 00:16:20 - Node metrics: 127 BTC routed, 65,000 transactions in two months 00:18:00 - Yield source: Real economic activity from routing fees 00:19:06 - Unique BTC yield without proof-of-stake risks 00:19:48 - Comparison to other Bitcoin L2s like Citrea and Alpen Labs 00:22:57 - Custodian details: Fortuna, EU-compliant in Ireland 00:23:37 - Fee structure: 5-10% retained, rest to stakers (bootstrapped at 20%) 00:24:53 - Revenue share model based on routed volumes 00:25:43 - Timeline: Two years of development, challenges with Taproot channels 00:29:04 - Bitcoin covenants: Unlikely to eliminate custodians 00:30:36 - Competitors: Kraken (1% yield), Starkware (2%), Babylon 00:33:06 - Stroom's edge: Yield from real Lightning activity, no token incentives 00:35:24 - Node stats: 65,000 transactions, ~$15M volume 00:36:59 - Average fees: ~0.1%, varies by channel and size 00:38:15 - Profitability estimates: $7,000/month example calculation 00:41:35 - Block (Jack Dorsey's company): 10% APY on $10M node 00:43:32 - Node age impact: Older nodes like Alex Bosworth's attract more traffic 00:45:33 - Encouraging channels: Reliability and high liquidity 00:46:53 - Boosting Lightning adoption: Stablecoins via Taproot Assets, RGB, Lightspark 00:50:27 - Sponsors: Layer 2 Labs, Sideshift.ai, NoOnes.com, Bitcoin.com News 00:53:13 - Node connections: NiceHash, OKX, Kraken, Binance, Wallet of Satoshi 00:56:45 - Fee policy: Dynamic algorithms, 0.1-2 basis points 00:59:36 - Future if Lightning replaced: Bitcoin L2s, BTVM, crosschain swaps 01:00:07 - Long-term vision: Proof-of-stake L2s like Botanics, BTM operators 01:03:07 - Team: Nick Sterningard as advisor 01:03:54 - Challenges in Lightning businesses: LSPs like Phoenix, Breez 01:05:43 - Lightning quirks: Buggy experience, on-chain alternatives 01:08:07 - Personal Lightning nodes: Rings of fire, Tor issues 01:09:58 - Stablecoins vs. Bitcoin: Tether article in Bitcoin Magazine 01:11:28 - Dollar dominance: 85% global payments, slow shift to Bitcoin 01:13:14 - Adoption decline: Past merchants like Dell, Microsoft vs. today 01:15:43 - Yield transparency: Real activity vs. BlockFi/Celsius rehypothecation 01:17:36 - Decentralized future: Federation for BTC management 01:18:53 - Ultimate purpose: Support Bitcoin economy beyond holding 01:19:59 - Community: 10,000 followers, 8-person tech team, 50/50 retail/funds 01:22:17 - 10-year vision: Largest BTC liquidity management community 01:23:53 - Personal payments: Bitcoin/Lightning preferred, stablecoins common 01:25:31 - Magic wand: Faster Bitcoin blocks (1-minute intervals) 01:27:54 - Tokenizing BTC: WBTC on Ethereum (100k+ BTC) vs. Lightning 01:29:43 - Paths forward: Improve Bitcoin or bridge to other networks like drivechains 01:30:59 - Learn more: Stroom.net, Twitter, Telegram, Discord 01:32:51 - Closing thoughts: Bright Bitcoin future, open financial inclusion 01:36:07 - Thanks and sign-off

Grab & understand 14 Franchise Buying Mistakes that could destroy your investment: https://www.franchiseempire.com/14fbm?utm_source=TJnov12025Thinking about investing in a UPS Store franchise? In this video, I break down everything you need to know before making a decision, including startup costs, royalties, real franchisee sales numbers, and why the margins might not be as strong as they seem. I also cover surprising facts about the brand's history and size, so you can decide if this 100+ year-old franchise still makes sense in today's market. If you're serious about buying a franchise, this is the kind of insight you can't afford to skip.------------------Considering Investing In A Franchise?

In today's episode of The Build Show Podcast, Matt Risinger sits down with long-time friend and fellow builder Wade Paquin of WKP Builders for a deep dive into one of the most transformative shifts in residential construction — moving away from the traditional bidding carousel and embracing pre-construction agreements. Matt and Wade share hard-earned lessons from decades in the field, revealing how pre-con can protect both builders and clients, streamline collaboration with architects, and build lasting trust through transparency. Together, they discuss real-world examples, the pitfalls of the old “three-bid” mindset, and how the pre-construction process creates better budgets, schedules, and client relationships. Whether you're a seasoned pro or just starting your building business, this conversation delivers practical insight into elevating your systems and safeguarding your profitability.From the Risinger Build Studios in Austin, Texas—let's get into it.Huge thanks to our episode sponsor, Pella. Find out more at: https://www.pella.com/Follow Wade on Instagram: https://www.instagram.com/wkp_builders/ Don't miss a single episode of Build Show content. Sign up for our newsletter.

What if the true path to restaurant profitability is rethinking our business model entirely?Close to a decade ago, today's guest changed the way I saw our industry forever and he's here to do the same for you. Today we sit down with Celebrity Chef Neal Fraser as he pulls back the curtain on how Redbird—a 50-seat dining room attached to a cathedral—became one of LA's most dynamic and profitable hospitality businesses. He shares how focusing on events over covers gave him control, stability, and scale. We get into the systems he built, the mindset shift that made it possible, and why too many operators are white-knuckling restaurants that no longer serve them.This is for operators tired of hoping for Wednesday walk-ins—and ready to take back control of their business.To learn more about Redbird, visit https://redbird.la._________________________________________________________Free 5-Day Restaurant Marketing Masterclass – This is a live training where you'll learn the exact campaigns Josh has built and tested in real restaurants to attract new guests, increase visit frequency, and generate sales on demand. Save your spot at restaurantbusinessschool.comFull Comp is brought to you by Yelp for Restaurants: In July 2020, a few hundred employees formed Yelp for Restaurants. Our goal is to build tools that help restaurateurs do more with limited time.We have a lot more content coming your way! Be sure to check out our other content:Yelp for Restaurants PodcastsRestaurant expert videos & webinars

I'm Josh Kopel, a Michelin-awarded restaurateur and the creator of the Restaurant Scaling System. I've spent decades in the industry, building, scaling, and coaching restaurants to become more profitable and sustainable. On this show, I cut through the noise to give you real, actionable strategies that help independent restaurant owners run smarter, more successful businesses.In this episode, I break down why discounting is one of the biggest traps in the restaurant industry and how it can actually hurt your brand long term. I explain how to build real value through storytelling and emotional connection instead of cutting prices. You'll learn how to create scarcity, meaning, and loyalty that drive both profit and trust—without relying on discounts to fill your seats.  TakeawaysDiscounting attracts deal seekers, not true believers.Sell meaning, not math; value is a feeling.Scarcity builds desire, while discounting builds doubt.A full room doesn't equate to a full bank account.Profit is the cure; busy is just a drug.Kill blanket discounts for a week to assess impact.Highlight the story behind high-margin items.Replace discounts with scarcity plays.Track margin instead of traffic for better insights.Rewrite marketing messages to focus on meaning.Chapters00:00 Introduction to Restaurant Marketing Strategies01:50 The Dangers of Discounting05:39 Building Value Through Meaning and ScarcityIf you've got a marketing or profitability related question for me, email me directly at josh@joshkopel.com and include Office Hours in the subject line. If you'd like to scale the profitability of your restaurant in only 5 days, sign up for our FREE 5 Day Restaurant Profitability Challenge by visiting https://joshkopel.com.

At the start of Q4, OMG Commerce founder Brett Curry hosts a special Last-Minute Levers masterclass to help brands maximize performance during the busiest shopping season of the year. Joined by Amazon strategist Luba Ilyasova, ad expert Jonathan Steffens, and Connor Crook, CEO of Diamondback Tools, the session dives into what's changed on Amazon in 2025, how to build a profitable holiday strategy, and which final levers to pull before Black Friday / Cyber Monday hits.From international expansion and tariff navigation to using Amazon's newest ad analytics, profit margin tracking, and creative promotion tactics, this masterclass offers a playbook for protecting margins, scaling smartly, and avoiding common Q4 pitfalls. Whether you're planning coupons, bundles, or last-minute campaigns, these insights will help make this your strongest and most profitable holiday yet.—Sponsored by OMG Commerce - go to (https://www.omgcommerce.com/contact) and request your FREE strategy session today!—Chapters: (00:00) Intro(04:32) Diamondback Tools & Amazon's Role in Brand Growth(06:43) Strategic Fit – How Amazon Complements DTC and Wholesale(11:54) Key Shifts in 2025 – Tariffs, International Expansion & SKU Updates(16:07) Major Amazon Changes – Matching Product to Customer Intent(21:04) Sponsor Acknowledgements & Tool Shoutouts(22:14) Ad Trends and Competitive Landscape in 2025(25:26) Making Data Actionable – Customer Journey Analytics & Search Query Insights(32:40) Last-Minute Levers for Q4 Success(34:15) Testing New Main Images & Launching Video Ads(35:51) Building Gift Guides & Creative Holiday Angles(37:18) Integrating Email and SMS With Amazon Promotions(39:26) Diamondback's Promotional Strategy for the Holidays(45:21) Virtual Bundles – Opportunities and Pitfalls(50:27) Balancing Aggression and Profitability in Holiday Ads(52:33) Post-Event Remarketing & Retention Tactics(56:35) Final Thoughts – Promotions That Actually Work(58:37) Closing Remarks – Building Profitable Brands This Holiday Season—Connect With Brett: LinkedIn: https://www.linkedin.com/in/thebrettcurry/ YouTube: https://www.youtube.com/@omgcommerce Website: https://www.omgcommerce.com/ Request a Free Strategy Session: https://www.omgcommerce.com/contact Relevant Links:Connor's LinkedIn: https://www.linkedin.com/in/connor-crook-bb82b110/Diamondback Website: https://www.diamondback.com/Boom by Cindy Joseph (Amazon launch case): https://www.amazon.com/stores/BOOMbyCindyJoseph/page/8ACDB09A-AEB9-4CEE-9311-BC3DCA688D8DNative Deodorant: https://www.amazon.com/stores/Native/page/B87A8989-7690-424A-B775-553034F6E58ESponsor Offer | AZM Prep (Mention Ecommerce Evolution): https://amzprep.com/Sponsor Offer | KAPOQ (Mention Ecommerce Evolution): https://kapoq.com/Sponsor Offer | Seller Candy (Mention Ecommerce Evolution): https://sellercandy.com/Sponsor Offer | Threecolts (Mention Ecommerce Evolution):...

Thanks to our partners Promotive and Wicked FileIn this episode of Business by the Numbers, Hunt Demarest of Paarmelis & Associates breaks down one of the most misunderstood metrics in the automotive repair world: effective labor rate.Many shop owners chase “higher door rates,” but as Hunt reveals, that number often has little to do with your actual profit. From oil changes to state inspections, he explains how small pricing decisions can quietly eat away at your margins—and how to fix them.If you've ever asked, “What percentage should my effective labor rate be compared to my door rate?”—this episode is your wake-up call.Hunt also shares how two shops charging wildly different rates can end up with the same revenue, why discounting can destroy profitability, and what you should really track to make more money without working harder.What you'll learn(01:20) “What's a good percentage for effective labor rate?”(02:10) Why a 75% effective rate isn't always bad—and why 100% isn't always good.(03:40) Real-world variance of top-performing shops (04:50) Understanding how door rate differs from effective labor rate.(05:40) The $75 oil change that's secretly earning you just $30/hour.(07:15) How two shops can charge the same customer price but get different profit outcomes.(11:30) Working smarter, not harder.(13:00) Why chasing “door rate” vanity metrics is a trap.(16:10) Pricing and productivity—and which one you're probably ignoring.(17:40) How ignoring effective rates hides true performance.(18:50) Real client case study: Texas shop struggling with low effective rate due to state inspections.(20:00) Action steps: How to spot your low-performing categories and limit the downside.Thanks to our partner PromotiveIt's time to hire a superstar for your business; what a grind you have in front of you. Introducing Promotive, a full-service staffing solution for your shop. Promotive has over 40 years of recruiting and automotive experience. If you need qualified technicians and service advisors and want to offload the heavy lifting, visit https://gopromotive.com/Thanks to our Partner WickedFileTurn chaos into clarity with WickedFile, the AI for auto repair shops. Transform invoices into insights, protect cash flow, and stop losing parts, cores, or credits to maximize your bottom line. visit https://info.wickedfile.com/Paar Melis and Associates – Accountants Specializing in Automotive RepairVisit us Online: www.paarmelis.comEmail Hunt: podcast@paarmelis.comText Paar Melis @ 301-307-5413Download a Copy of My Books Here:Wrenches to Write-OffsYour Perfect Shop The Automotive Repair Podcast Network: https://automotiverepairpodcastnetwork.com/Remarkable Results Radio Podcast with Carm Capriotto: Advancing the Aftermarket by

On this episode of The Authority Company Podcast, Joe Pardavila welcomes back Damon Stafford, CEO of Alpine Intel and author of Believe in Better: The Evolution of Core Principles that Pioneered an Industry.  Damon returns to share why profitability is more than a short-term goal. It's a discipline and a journey. He explains why founders should stop chasing “growth at all costs,” the importance of listening deeply to customers, and how to recognize early warning signs that your business is drifting off the path to profit.  The conversation dives into: * Why profitability at the transaction level matters more than top-line growth. * The pitfalls founders face when selling to private equity. * Why some mergers and acquisitions fail and what makes others thrive. * The “Profitability Triangle” of people, process, and technology. * Why CEOs must understand transactions without becoming micromanagers. * How to know when it's time to bring in a CFO.  Damon also shares practical takeaways for leaders who are close to profitability but need a clear plan to cross the finish line. If you want a candid look at sustainable growth and how to build a company that lasts, this episode is for you.

In episode 544 of 'Coffee with Butterscotch,' the brothers jump from sinus surgery to sales strategy, unpacking how pricing, perception, and player psychology shape the success of indie games. They share updates on How Many Dudes and explore how sales culture drives decisions that don't always make financial sense. The conversation then zooms out to the booming AI bubble, comparing it to the dot-com era and questioning whether circular investments and energy limits might burst it all over again.Support How Many Dudes!Official Website: https://www.bscotch.net/games/how-many-dudesTrailer Teaser: https://www.youtube.com/watch?v=IgQM1SceEpISteam Wishlist: https://store.steampowered.com/app/3934270/How_Many_Dudes00:00 Cold Open00:25 Introduction and Welcome02:18 Health Updates and Personal Anecdotes05:46 Game Sales and Marketing Strategies11:44 Pricing Strategies and Market Dynamics17:52 Development of 'How Many Dudes'21:35 Game Mechanics and Balancing Challenges22:04 Scaling Combat Scenarios34:12 Understanding the AI Bubble47:34 The Financial Landscape of AI Commitments50:37 The Illusion of Profitability and Market Dynamics53:31 The Physical Constraints of AI Infrastructure57:32 The Ethics of AI Investment and Corporate Responsibility01:00:15 The Bubble Economy: Predictions and ConsequencesTo stay up to date with all of our buttery goodness subscribe to the podcast on Apple podcasts (apple.co/1LxNEnk) or wherever you get your audio goodness. If you want to get more involved in the Butterscotch community, hop into our DISCORD server at discord.gg/bscotch and say hello! Submit questions at https://www.bscotch.net/podcast, disclose all of your secrets to podcast@bscotch.net, and send letters, gifts, and tasty treats to https://bit.ly/bscotchmailbox. Finally, if you'd like to support the show and buy some coffee FOR Butterscotch, head over to https://moneygrab.bscotch.net. ★ Support this podcast ★

In this conversation, John Dick and Chantell Ghosh discuss the critical role of regional arts organizations in community infrastructure and economic sustainability. They explore the challenges these organizations face, including funding, audience engagement, and competition with larger entities like Broadway. Ghosh emphasizes the need for arts organizations to adopt a business mindset, interrogate their models, and connect with younger audiences to ensure their survival and relevance. The discussion highlights the importance of arts in creating vibrant communities and the necessity of political and financial support for these organizations.Answer questions from the end of the episode. TakeawaysRegional arts organizations are vital for community infrastructure.Arts and culture contribute significantly to local economies.The removal of arts education impacts future generations.Inflation and cost of living affect arts organizations' sustainability.Engaging younger audiences is crucial for the future of the arts.Arts organizations must interrogate their business models.Profitability is essential for the survival of arts organizations.Community engagement can enhance the relevance of the arts.Political will is necessary for supporting the arts.Arts organizations should not shy away from making money.

In this episode of The Tech Leader's Playbook, Avetis Antaplyan sits down with Sam Goodner, the serial entrepreneur and former CEO of Catapult Systems — Microsoft's top-ranked consulting partner at the time of its acquisition. Sam shares his 30-year journey from starting a small IT consulting firm in 1993 with just $17,000 in the bank to scaling multiple companies to eight- and nine-figure exits, including turning a parking tech startup into a unicorn.Through vivid stories and practical lessons, Sam reveals the disciplines behind operational scalability, decentralized leadership, and what it truly takes to build a company that can run — and grow — without its founder. He discusses his book Like Clockwork: Run Your Business with Swiss Army Precision, the frameworks he used to recession-proof his companies, and how he transformed chaos into predictable growth. From his military lessons in Switzerland to his role as an angel investor mentoring the next generation of entrepreneurs, Sam offers a masterclass in clarity, systems, and execution — proving that growth isn't luck, it's discipline.TakeawaysGreat businesses scale through clarity, disciplined execution, and time, not luck.Founders often become the bottleneck — true leadership means empowering others to decide and own outcomes.Operational scalability starts when the company can run and grow without the founder.Create rules of empowerment: if a decision is right for the customer, company, ethical, aligned with values, and you're accountable — act.Codify best practices with playbooks, especially for sales and hiring.Hire people better than you, then get out of their way.Mentorship and coachability accelerate growth more than any funding round.Recession-proofing begins before the downturn — diversify industries, services, and recurring revenue streams.Every company needs to define what it's best in the world at and its unfair advantage.Founders should spend 95% of their time on the business, not in it.Focus on discipline and systems, not just ideas — execution is where companies win.Success evolves from climbing mountains to helping others climb theirs.Chapters00:00 Intro: Scaling Beyond Chaos01:30 From Developer to Founder: The Birth of Catapult Systems03:20 Bootstrapping to Profitability in the 90s06:00 Why Raising Money Isn't Always the Answer07:30 Investing in Flash Parking: Spotting a Unicorn in an Unsexy Industry12:00 The Power of Coachability and Mentorship16:50 Breaking Founder Mode and Achieving Operational Scalability21:00 Building Playbooks for Sales and Talent Acquisition26:00 Decentralized Decision-Making and the Rules of Empowerment37:00 The Swiss Army Precision: Inside Sam's Book “Like Clockwork”43:00 Recession-Proofing Your Business51:00 Balancing Focus and Diversification55:00 Defining Your Unfair Advantage57:00 The Aha Moment: Realizing You're the Bottleneck59:00 The Third Chapter: Giving Back and Mentoring Entrepreneurs01:01:00 Closing Thoughts: Build Systems, Empower People, Stay DisciplinedSam Goodner's Social Media Links:https://www.linkedin.com/in/samgoodner/Sam Goodner's Websites:https://samgoodner.com/

Ready to scale your business with less chaos and more cashflow? In today's episode, we're diving into part two of The CEO Shift training, which is all about building the systems, structure, and strategy that allow your business to run like a well-oiled, money-making machine. Full shownotes at https://clarewood.com/podcast/episode344

What happens when one of the world's most opinionated marketing professors looks beyond 2025 and starts thinking about the 2030s?In this unfiltered conversation, Mark Ritson joins Conor Byrne on That's What I Call Marketing for a fast-moving, hilarious, and deeply practical chat about what marketers are getting wrong and what still works.From pricing and profitability to AI and the Mini MBA, Ritson lays out the truths that most brands quietly ignore:

EP 199:  Podcasting: Turning, Influence Into Profitability

Episode 411! https://lnk.bio/Jeditalk This week's episode is mostly about the recent news from Adam Driver himself about the failed "Hunt for Ben Solo". Why would Bob Iger say no to this?  David Fincher was close to creating a post Episode 9 movie as well that fell through.  When Brad returns, we will do our Top 3 Changes to The Original Trilogy! Thank you for listening! https://lnk.bio/Jeditalk

I'm Josh Kopel, a Michelin-awarded restaurateur and the creator of the Restaurant Scaling System. I've spent decades in the industry, building, scaling, and coaching restaurants to become more profitable and sustainable. On this show, I cut through the noise to give you real, actionable strategies that help independent restaurant owners run smarter, more successful businesses.In this episode, I dive into what it really takes to scale a restaurant successfully—and why opening a second location isn't always the right next step. I break down how to strengthen your systems, master your financials, and get your house in order before expanding. I share the key lessons I've learned about maximizing one restaurant's potential first, so growth becomes sustainable, not stressful.  TakeawaysExpansion isn't a milestone; it's a multiplier.A second location doubles your overhead, not your skill.Scaling inside one location is smarter, cheaper, and faster.Most operators have 30 to 40% more revenue potential in their existing location.If you can't take a two-week vacation without issues, you're not ready to multiply.Expansion is math, not momentum.You need a minimum of 18% net profit margin before expanding.Having a cash cushion of six months of operational costs is crucial.You should have a leadership team that can clone themselves.Focus on maximizing current revenue before considering a second location.Chapters00:00 Introduction to Restaurant Success01:51 The Myths of Expansion05:40 Preparing for Expansion07:07 Actionable Steps for GrowthIf you've got a marketing or profitability related question for me, email me directly at josh@joshkopel.com and include Office Hours in the subject line. If you'd like to scale the profitability of your restaurant in only 5 days, sign up for our FREE 5 Day Restaurant Profitability Challenge by visiting https://joshkopel.com.

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Ever looked at your agency's bank account and thought, “We're crushing it!” only to realize two months later that half that cash wasn't really yours yet? Or maybe you've hit that milestone where you start wondering what your agency might be worth if you sold it tomorrow… but your books are a confusing mix of guesswork and gut feelings. Today's featured guest was a finance expert before falling in love with the agency world and has the experience to show how smart financial planning (not just getting more clients) can completely reshape your agency's future. From forecasting and cash flow to the hard truths about selling, this conversation is packed with real-world lessons every agency owner needs to hear. Lacie Edgeman is the partner and co-owner of PrograMetrix, a digital paid media agency that focuses exclusively on programmatic advertising. With a background in finance, she oversees operations and financial strategy. However, like most small-agency leaders, she's worn just about every hat at some point. Her unique blend of financial discipline and operational savvy has helped her agency grow smart, not just fast. In this episode, we'll discuss: The superpower too many agencies ignore. Cash vs. accrual accounting. Why you should always be tracking these two KPIs. How much cash should you keep in the bank? Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources E2M Solutions: Today's episode of the Smart Agency Masterclass is sponsored by E2M Solutions, a web design, and development agency that has provided white-label services for the past 10 years to agencies all over the world. Check out e2msolutions.com/smartagency and get 10% off for the first three months of service. How a Finance Major Became an Agency Owner After earning a finance degree, Lacie joined a digital agency in Austin as a billing coordinator and quickly discovered she loved the chaos. “You either love it or you hate it,” she says. “I love the fast pace environment and the fact that it challenges me.” That early exposure to how agencies really work, from billing quirks to client chaos, gave her a perspective most creatives never get. By the time she joined PrograMetrix, she wasn't just another partner with ideas; she was the numbers-minded operator who could make sure every big creative idea actually paid off. Forecasting: The Superpower Too Many Agencies Ignore From a finance perspective, Lacie's biggest message for agency owners is to stop running their business off their checking account. “Future planning is where most agencies miss the mark,” she says. It's important to review your historical, of course, but Lacie recommends creating a forecast and revisit it quarterly. This way, if you want to add $1 million in take-home revenue, you can map out exactly which KPIs need to move to make that happen.. This is way, if you, for instance, want to add $1 million in take-home revenue, you can map exactly which KPIs need to move to make that happen. That forward focus creates smarter, calmer decisions; especially when things get uncertain. You can't sleep easy until you know what's coming in, what's going out, and how your pipeline will affect cash flow six months from now. Cash vs. Accrual Accounting: How to Stop Fooling Yourself About Profit When Lacie joined PrograMetrix in 2019, one of her first moves was switching from cash accounting to accrual accounting, a game changer for any media agency. Why? Because when you're handling large media budgets, those big lump payments from clients don't actually mean profit. Accrual accounting forces you to recognize revenue when the work is done, not when the check clears. “It's the only way to see what's actually happening,” Lacie explains. Otherwise, agencies can get fooled into thinking they're thriving when all they've done is temporarily hold pass-through media dollars. For anyone running paid media, she considers accrual accounting “painful but essential.” Furthermore, accrual accounting becomes critical when you're planning to sell your agency. It's not just about cleaner books, it's about protecting your valuation. In cash accounting, all incoming payments hit your revenue the moment they land, even if you haven't delivered the work yet. That can make your agency look healthier than it really is. However, a smart buyer will spot it—and they'll adjust your purchase price down to reflect any undelivered work. If you're serious about eventually selling, move to accrual accounting early so your books reflect true earned revenue. It not only helps you understand your real profitability but also builds trust with future buyers. Building the Right Financial Advisory Team for Your Agency Anyone with prior experience selling a business will probably tell you “if you're planning on selling soon, don't rely solely on a broker”. Brokers are financially motivated to close the deal fast, not to get the best terms. Instead, surround yourself with people who don't have skin in the game. Considering that most agency owners probably come from a creative background, Lacie suggests finding financial mentors or advisers who will tell them what they need to hear, not what they want to hear. You don't have to become a QuickBooks expert, but you do need to understand what your financials are saying about the health of your business. 2 KPIs Every Agency Owner Should Track If Lacie were stranded on an island and could only get one napkin of financials, it'd include two numbers: Topline Revenue (excluding media spend) EBITDA (basically your take-home before taxes) EBITDA is very important here, because you can have great revenue but without free flowing funds to invest back in the business, you'll still be a red flag for potential buyers. Those two tell her almost everything about an agency's financial health. “You can only cut costs so far,” she says. “At some point, you have to grow the top line strategically.” The real game is in balancing both, keeping a clean cost structure while expanding profitable revenue. Owners should also understand adjusted EBITDA, which adjusts for one-off expenses, to get a clearer view of your operational performance. It's something a potential buyer would do any way to get a more accurate picture of your agency's financial health. How Much Cash Should You Keep in Reserve? Ask ten agency owners this question, and you'll get ten answers. Lacie says three months of operating cash is the industry rule of thumb, though she's heard advisers tell sellers to shrink that down to one month before an acquisition. Many would disagree with that advice, but ultimately the right number depends on your risk tolerance and client concentration. If a single client dominates your revenue, then the most important advice would be to secure a line of credit before you need it. Losing a “gorilla client” (one worth more than 20% of your revenue) can wreck cash flow overnight. A credit line buys you breathing room so you don't start saying yes to bad clients just to make payroll. Niching Down Is the Key to Profitability and Valuation For Lacie, niching down was the single best move for PrograMetrix. “When you try to be everything to everyone, you can't scale,” she says. Every one-off client that doesn't fit your core offer quietly drains profit and focus. She urges agency owners to ask themselves if they're offering the right services and double down on what they're great at, not just good at. The rule is simple: the more focused you are, the more you can charge. Start by raising prices for new clients and soon the gap between legacy clients and new ones will convince you of the need to raise prices for legacy clients too. One mastermind member added $72,000 in monthly recurring revenue simply by repricing existing clients after niching. Each year, Lacie's team audits their client roster to identify accounts they've outgrown. It's never easy—many are long-time relationships—but letting go of clients who no longer fit is what creates room for bigger, better ones. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.

Welcome to the Tearsheet podcast, where we explore financial services together with an eye on technology, innovation, emerging models and changing expectations. I'm Tearsheet Editor in Chief, Zack Miller. There's an old theory in lending that you can only master two or three things: growth, credit performance and profitability. For decades, this has been accepted wisdom, until AI started changing the fundamentals of how we assess credit risk. Today, I'm joined by Paul Gu, Co-Founder and Chief Technology Officer of Upstart. Paul's journey reads like a modern Silicon Valley story—from Chinese immigrant to Yale dropout. He became part of the inaugural class of Thiel Fellows before co-founding Upstart in 2012. Under his leadership, Upstart has gone from zero model training data points in 2013 to processing 91 million data points today. Their AI predicts both default and prepayment likelihood for every month of a loan's term, and Paul believes Upstart's AI is bringing them closer to achieving all three pillars of lending—an approach that could redefine consumer lending across the entire credit lifecycle. We'll explore how this evolution is playing out, dive into Upstart's 2025 roadmap, including their push for 10x AI leadership and GAAP profitability, and discuss what this means for the future of credit.

What if your business could scale sustainably—without burnout or chaos? Viral financial expert and billion-dollar business coach Monica Garcia Duggal reveals how to achieve lasting wealth using her signature Financial BITES Method© and Whole Health Wealth System™. In this engaging conversation with host Gary Heldt, Monica shares how entrepreneurs can think like institutional investors, create systems that support freedom, and build profit-driven businesses that thrive in any market. Monica Garcia Duggal is a global financial strategist with over 30 years of experience in investment banking, mergers & acquisitions, and entrepreneurial finance. As the creator of the Whole Health Plan™ and Financial BITES Method©, she helps founders and leaders align their finances, strategy, and mindset for total-life success. In this episode, she joins host Gary Heldt, CPA and wealth strategist, to discuss why most business owners leave money on the table—and how a holistic approach to budgeting, investing, taxes, exit planning, and systems can change everything.

Finance doesn't have to be a mystery—it can be your greatest advantage. In this episode of the Machine Shop MBA series, we sit down with Jon Hughes, Erik Skie, and Mike Estes from CliftonLarsonAllen (CLA) to unpack the financial principles that separate high-performing shops from those that just get by. Together, they dig into how manufacturers can transform their accounting systems from mere compliance tools into strategic assets that fuel growth. From understanding capacity and pricing to mastering forecasting and job costing, this conversation bridges the gap between the shop floor and the balance sheet. CLA's experts explain why simplicity often beats complexity, how to avoid “bad business” when chasing volume, and why aligning cost structure with capacity utilization is the secret to consistent profitability. They also explore how automation and advanced equipment investments change the financial equation, why separating costing from pricing is essential, and how the best-run shops use forecasting not just to plan—but to learn. Whether you're running a $3M job shop or a $30M operation, this episode gives you the tools to make smarter financial decisions and build long-term resilience. Segments (1:03) Recapping Nick's trip to EMO in Germany (1:52) Meet the guests: Jon Hughes, Erik Skie, and Mike Estes from CLA (4:38) Grow your top and bottom-line with CLA (7:06) Keep it simple: Capacity vs. demand (the key to unlocking consistent profitability) (9:19) Why labor is effectively a fixed cost in modern manufacturing (12:21) When increasing capacity is a smart risk and when it's not (15:08) Activity-based costing and why not all machines should share the same rate (16:38) Why we love Phoenix Heat Treating for outside processing (17:47) How to price automation and capture its true value (20:30) Separating cost from price & matching pricing strategy to niche and capacity (25:06) The danger of underutilized automation and inflated rates (27:09) How customer communication improves quoting accuracy and margins (28:38) The “death spiral” of bad quoting assumptions (30:57) Understanding your cost structure vs. chasing perfect accuracy (32:46) Material-heavy jobs, overhead allocation, and avoiding double-dipping (35:25) Demystifying EDM technology with Methods Machine Tools Bill Burba (49:17) Forecasting and budgeting: why they matter beyond the numbers (52:35) Linking your business model to your P&L for smarter decision-making (54:23) How to use forecasting to test your assumptions (56:05) Killing unprofitable jobs (“deselecting customers”) and improving mix (1:01:10) Meet us at Top Shops 2025 in Charlotte, NC Resources mentioned on this episode Grow your top and bottom-line with CLA Why we love Phoenix Heat Treating for outside processing Get more information about EDM technology from Methods Machine Tools Business Model Canvas Meet us at Top Shops 2025 in Charlotte, NC Connect With MakingChips www.MakingChips.com On Facebook On LinkedIn On Instagram On Twitter On YouTube