Business By The Books with Danielle Hayden

Welcome to Business By The Books, the podcast for women entrepreneurs who want to leverage their financials to grow their business and achieve their goals. Your host Danielle Hayden, owner of Kickstart Accounting Inc., is a reformed corporate CFO who is on a mission to help empower women entrepreneurs to understand their numbers so they can gain the confidence needed to manage and grow their business.

Sunk Costs: The Silent Trap Sabotaging Your Goals (And How to Break Free) 01/13/2026

I'm Not Setting Goals This Year — And Why You Shouldn’t Either 01/06/2026

How to Use AI Without Creating Financial or Operational Risk 12/30/2025

Beyond the Budget: The Hidden Psychology of How Entrepreneurs Think About Money – Ep. 254 12/23/2025

Beyond the Budget: The Hidden Psychology of How Entrepreneurs Think About Money – Ep. 254 If you’ve ever delayed looking at your numbers, dreaded a bookkeeping meeting, or felt a pit in your stomach when someone says “Let’s review your finances,” this episode is going to feel like a deep exhale. In this conversation, Danielle sits down with financial advisor and partner at Brad Cunningham for an honest look at why entrepreneurs struggle with money clarity and why confidence doesn’t come from spreadsheets. It comes from understanding your numbers and applying that knowledge to your life and your business. Key Takeaways: Money Avoidance Is Emotional, Not Logistical: Most entrepreneurs avoid their financials because looking at numbers exposes vulnerability. When you understand the emotions underneath, clarity becomes much easier. Savings Habits Matter More Than Investment Choices: Brad explains why even the best investment strategy can’t fix a poor savings rate and why behavior is the real foundation of wealth. Traditional Budgets Fail Because They Feel Limiting: Instead of obsessing over restrictions, focus on understanding your cash flow and aligning spending with your values and goals. Entrepreneurs Often “Out-Earn” Their Problems Without Solving Them: As revenue grows, lifestyle often expands at the same pace. Real financial health requires intentional guardrails. You Need a Money Team, Not One Money Person: Bookkeeper, tax accountant, CFO/coach, and financial advisor—each role supports a different part of your financial picture, and they should work together. Tax Strategies Shouldn’t Sabotage Long-Term Flexibility: Saving money this year shouldn’t come at the cost of future options or long-term growth. Clarity Creates Confidence: When you understand your numbers and the behaviors behind them, financial anxiety drops and decision-making becomes easier. Topics Discussed: (00:00) Intro: Brad’s Background and What He Does (02:43) Why Entrepreneurs Avoid Looking at Their Financial Data (03:32) Fear of Financial Vulnerability and How It Impacts Decision-Making (05:39) The Problem with “Putting the Cart Before the Horse” in Investing (06:09) The Truth About the 4.4% Savings Rate and Why Traditional Budgeting Doesn’t Work (09:56) The Danger of Trying to “Out-Earn” Your Problems & What Will Actually Solve Issues (11:09) The 20% Savings Benchmark for Entrepreneurs (12:16) Danielle’s Breakdown of the 4 Essential Members of Your “Money Team” (15:16) Rethinking Tax Strategy and Future Flexibility (18:31) Building Launch Plans for Your Children (20:39) HSAs, 401(k)s, IRAs, and 529s: Why Context Matters (21:50) Pitfalls with Traditional Budgets and Using a Better Method of Budgeting (26:33) Promo: Kickstart Accounting’s “Check Your Books” Service (27:45) Pitfalls with Traditional Budgets and Using a Better Method of Budgeting (29:44) Final Thoughts on Confidence, Clarity, and Long-Term Planning (21:36) Outro: Like, Share and Subscribe! Resources: Connect with Brad | Check Your Books | Book a Call with Kickstart Accounting, Inc.: Connect with Kickstart Accounting, Inc.: Instagram | YouTube | Facebook | /episode/index/show/entrepreneurmoneystories/id/39388725

The Year-End Reflection Framework: The Truth About How Real CEOs Grow – Ep. 253 12/16/2025

The Year-End Reflection Framework: The Truth About How Real CEOs Grow – Ep. 253 Most entrepreneurs skip reflection altogether. They’re busy, tired, and ready for a fresh start. But if you don’t pause to reflect, you repeat the same mistakes. You carry old habits into a new season. You build goals on top of unclear patterns. Reflection is where leadership starts. It’s where clarity lives. It’s simple, but not easy. In this episode, Danielle walks you step-by-step through the Year-End Reflection Framework built into the Kickstart system. It’s the tool that helps you understand what worked, what didn’t, and where you can step more fully into your CEO role next year. Your Year-End Reflection Framework: At Kickstart, reflection is built into everything we do. It’s part of the Kickstart Framework, the same system Danielle uses to run her own business every single year. Review Your Revenue Start with your total revenue for the year. Compare it to last year, then review month-by-month. Ask yourself: Which months were your strongest? What contributed to that success? Which sales/marketing efforts created reliable results? During slower months, what changed? Were you consistent or did you pivot too soon? Real growth happens when you stick with what works long enough to see the results. Reflect on Profit & Net Income Profit tells the truth about your business’s health—not just what came in, but what stayed. Consider: Were profit margins healthy (10–15% after payroll)? What supported profitability this year? If profits decreased, what shifted? And remember: Profit doesn’t matter if it costs you your energy, well-being, or sustainability. Examine Your Expenses Look at your total expenses year-over-year and month-by-month. Ask: What purchases supported your goals? Which investments truly helped you grow? Where did spending align—or misalign—with your intentions? Was spending driven by confidence, or by fear and FOMO? Spending isn’t bad. It’s information. It reveals your priorities, patterns, and beliefs. Also reflect on: What purchase made you most proud? What helped you step more fully into your CEO role? 4. Evaluate Your Cash on Hand Cash isn’t everything… but it is stability and choice. Review: Cash this year vs. last year Cash month-by-month Whether changes align with the season you were in (growth vs. optimization) How many months of expenses you have saved (aim for 1–3 months) If you’re not there yet, start small—even $50 a week builds momentum. Cash gives you freedom to make thoughtful, empowered decisions. 5. Look at Debt & Owner’s Draws This is where clarity really clicks. Debt payments and owner’s draws don’t show on your P&L, but they dramatically impact cash. Ask yourself: Did I pay myself consistently? Does my compensation match my effort? Did I take on or pay off debt intentionally? Your goal is balance: Pay yourself. Manage debt. Build savings. All at once, sustainably. Topics Discussed: (00:00) Intro: Why Year-End Reflection Matters & the Year-End Reflection Framework to Use (01:20) What Kickstart Clients Receive in Their Snapshot (01:53) Year-End Reflection Framework: Review Your Revenue (05:42) Year-End Reflection Framework: Reflect on Profit & Net Income (07:53) Year-End Reflection Framework: Examine Your Expenses & Spending Patterns (09:50) Promo Break: Kickstart’s “Check Your Books” Service (11:02) Spending That Builds You as a CEO & Brings Joy (13:37) Why Cutting All Expenses Isn’t the Answer (14:17) Year-End Reflection Framework: Evaluate Cash on Hand & Creating Stability as a CEO (18:30) Year-End Reflection Framework: Debt, Owner’s Draws & Where All the Cash Really Went (20:34) Your Role as CEO: Consistency & Ownership (21:36) Outro: Like, Share and Subscribe! Resources: Check Your Books | CFO Services | https://kickstartaccountinginc.com/the-cfo-solution/ Book a Call with Kickstart Accounting, Inc.: Connect with Kickstart Accounting, Inc.: Instagram | YouTube | Facebook | /episode/index/show/entrepreneurmoneystories/id/39279060

Why Most Entrepreneurs Stay Stuck (and the Framework That Fixes It) – Ep. 252 12/09/2025

Why Most Entrepreneurs Stay Stuck (and the Framework That Fixes It) – Ep. 252 Most entrepreneurs stay stuck for one simple reason: they do bookkeeping for taxes, not for leadership. They record their numbers, send them to the accountant, hope the IRS is happy… and then cross their fingers the rest of the year. But, you can’t lead a business with guesses, gut feelings, or your bank balance alone. In this episode, Danielle Hayden, reformed corporate CFO and founder of Kickstart Accounting, Inc., covers the same systems she used as a corporate CFO in boardrooms with top executives and brings them to entrepreneurs through Kickstart’s 3-step framework, so you can stop guessing and start leading like a CEO. Key Takeaways: Bookkeeping with Intention: Most business owners treat bookkeeping like a chore—something to check off for tax time. But messy books create messy data, and messy data leads to bad decisions. At Kickstart, we use bookkeeping with intention: A strategic chart of accounts Every transaction categorized with purpose No random QuickBooks buckets When your data is clean and intentional, it becomes insight, not noise. The Snapshot: Once your financial foundation is solid, you need clarity you can actually see. That’s where the Snapshot comes in—a simple, visual report that shows: Revenue and profit trends Top five expenses Net income Where your cash is actually going One client came to us making $400,000/year but was constantly overdrafting. Once she saw her Snapshot, she discovered her contractor expenses had quietly jumped 30%. Within 90 days she was able to course-correct and become profitable again. That’s not luck, it’s leadership through clarity. The Strategic System: Knowing your numbers is one thing. Using them is where everything changes. Our strategic system helps you turn data into direction, month after month. Kickstart clients receive: A personalized Snapshot A monthly financial theme created by Danielle based on what we’re seeing across hundreds of businesses. Weekly Business by The Books episodes that unpack each theme Financial education videos The Kickstart Kit worksheets – The same tools Danielles uses to run her own seven-figure company Together, these create a rhythm that keeps you focused, aligned, and growing. Topics Discussed: (00:00) Intro: Why Entrepreneurs Stay Stuck & The Problem with “Bookkeeping for Taxes” Only (00:58) Danielle’s Experience as a Corporate CFO & What Entrepreneurs are Missing (02:41) Step 1: Bookkeeping with Intention & Building a Strategic Chart of Accounts (04:39) Promo Break: Kickstart Accounting’s “Check Your Books” Service (05:52) Step 2: The Snapshot – Your Monthly Clarity Dashboard (07:33) Real Client Example of How Clarity Leads to Quicker Course Correction (08:20) Step 3: The Strategic System – Tools & Resources That Turn Numbers Into Action (11:34) Leading Like a CEO & Your Roadmap to Getting Unstuck (14:43) Outro: Like, Share and Subscribe! Resources: Check Your Books | CFO Services | https://kickstartaccountinginc.com/the-cfo-solution/ Book a Call with Kickstart Accounting, Inc.: Connect with Kickstart Accounting, Inc.: Instagram | YouTube | Facebook | /episode/index/show/entrepreneurmoneystories/id/39181675

AI Won’t Tell You the Truth About Your Numbers—But I Will: The Dark Side of Bad Bookkeeping – Ep. 251 12/02/2025

AI Won’t Tell You the Truth About Your Numbers—But I Will: The Dark Side of Bad Bookkeeping – Ep. 251 If you’ve ever thought, “My books are fine,” because you’re using QuickBooks’ automations or have uploaded your QuickBooks file into ChatGPT for analysis, this episode is your wake-up call (delivered with love!). Bad bookkeeping covered up by pretty software dashboards or people-pleasing AI chatbots hides real problems. This week, Danielle Hayden, CEO and founder of Kickstart Accounting, Inc., gets honest about one of the biggest dangers facing entrepreneurs today: the false sense of confidence created by messy books, automation, and AI “insights” built on inaccurate data. She shares why accurate bookkeeping is about so much more than taxes, loans, or growing your business. It’s about knowing the truth of your business so you can take back your power as CEO, instead of letting technology run your finances. Key Takeaways: The Real Reason Accurate Bookkeeping Matters: Yes, taxes and loans are important, but the deeper truth is that bad books hide serious problems, from dying businesses to personal spending that’s draining your cash without you noticing. Why AI Can’t Save You from Inaccurate Data: Tools like ChatGPT and QuickBooks will confidently present completely wrong information without knowing that your data is inaccurate. The Most Common Bookkeeping Errors Our Team Sees: Including duplicate income, old loans that never got cleared, and owner’s draws coded as payroll. These are real life examples that cost business owners real money. How Inaccurate Books Keep You Stuck: Bad data fuels wishful thinking, not smart strategy. Accurate bookkeeping lets you step into your CEO responsibilities with clarity, confidence, and grounded decision-making. Topics Discussed: (00:00) Intro: Why Bookkeeping is About More Than Taxes (01:09) What Accurate Books Actually Reveal (03:40) The Dark Side of AI/ChatGPT and QuickBooks Automation in Financial Analysis (05:41) Common Bookkeeping Errors That Cost Entrepreneurs Money (07:46) Taking Responsibility as CEO (08:28) Action Steps: Kickstart Accounting’s “Check Your Books” Service (10:27) Outro: Like, Share and Subscribe! Resources: Check Your Books | Book a Call with Kickstart Accounting, Inc.: Connect with Kickstart Accounting, Inc.: Instagram | YouTube | Facebook | /episode/index/show/entrepreneurmoneystories/id/39113540

The Simple Weekly Habit That Transformed This CEO’s Business – Ep. 250 11/25/2025

The Simple Weekly Habit That Transformed This CEO’s Business – Ep. 250 What if one simple weekly habit could completely transform the way you manage your business? In this conversation, Danielle sits down with , CEO and founder of , to talk about how she went from overwhelmed and unsure about her finances to confidently running a thriving business. Cathi shares how a weekly review of her numbers, consistent support from her Kickstart Accounting money team, and small, sustainable financial habits helped her make smarter decisions. She went from saying, “I’m just not a numbers person,” to hiring her first full-time employee and planning big investments for growth without having to “make it work” as she went along. Key Takeaways: Small, Consistent Habits Lead to Big Financial Confidence: By reviewing her numbers weekly, Cathi turned what used to feel overwhelming into a manageable, empowering routine. Understanding Your Cash Flow Means Planning, Not Panicking: Cathi now knows her lean months in advance, sets aside funds, and avoids financial surprises. Your Numbers Can Guide Smart Hiring Decisions & Retain Great Team Members: Using her reports, Cathi confidently brought on new team members and offered well-deserved raises without second-guessing if she could afford it. A Simple Report Brings Big-Picture Clarity: Categorizing her income into four main revenue streams helped Cathi understand which parts of her business drive the most profit. You Don’t Need to be a “Numbers Person”: Let go of the shame around financial knowledge! Being the CEO of your business doesn’t mean doing it all; it means creating systems and support that let you shine in your zone of genius. Topics Discussed: (00:00) Intro: Cathi’s Background and Her Business, The Photo Managers (01:59) Why She Used to Feel “Lost” Looking at Her Financials—and What Changed (03:35) How the Weekly Habit of Reviewing Her Numbers Helped Her Business (06:39) The Power of Having a Consistent Bookkeeping Team Behind Her (09:00) Promo Break: Kickstart Accounting’s “Check Your Books” Service (10:16) Simplified Reports That Give a High Level Overview & Not Being In Spreadsheets (11:53) How Using Her Numbers Helped Her Hire and Give Raises with Confidence (15:46) The Mindset Shift That Ended Her Imposter Syndrome Around Money (19:13) Outro: Connect with Kickstart Accounting and Share Your Story on Business by The Books About Our Guest: is the founder and CEO of , a growing global community of entrepreneurs who help families and businesses organize and preserve their photos, videos, and memories. She’s a champion for small business owners who are building legacy-driven, profitable companies. Connect with Cathi: The Photo Manager | Tell Your Story on Business by The Books | Resources: Check Your Books | Book a Call with Kickstart Accounting, Inc.: Connect with Kickstart Accounting, Inc.: Instagram | YouTube | Facebook | /episode/index/show/entrepreneurmoneystories/id/39133965

The Hidden Mistakes That Keep Your LLC Small (and How to Grow Into an S Corp) – Ep. 249 11/18/2025

The Hidden Mistakes That Keep Your LLC Small (and How to Grow Into an S Corp) – Ep. 249 You’ve set up your LLC, you’re running an established business, and things are moving along, but are your financial habits actually helping you grow and is your LLC protecting you the way you think it is? In this episode, Danielle Hayden, reformed corporate CFO and CEO of Kickstart Accounting, Inc., breaks down the five hidden mistakes that hold LLC owners back and shows you how to build the right habits to protect your business, pay yourself confidently, and prepare to scale into an S Corp when the time is right. Key Takeaways: Separate Your Business and Personal Finances: Mixing personal and business expenses can “pierce the corporate veil” and undo your legal protections. Keeping everything separate not only protects your assets, it also keeps your books clean and your numbers clear. Pay Yourself Intentionally with Owner’s Draws: If you’re not paying yourself regularly, it’s easy to dip into business funds without realizing it. Taking consistent draws helps you stay disciplined and sets the foundation for switching to payroll when you become an S Corp. Save for Taxes Every Single Month: You pay taxes on your profits, not just what you take home. Setting aside 25–30% of your net income for taxes keeps you from being blindsided at tax time. Review Your Numbers Monthly: If you’re not looking at your profit, cash flow, and expenses every month, you’re running blind. Regular reviews help you catch errors, make smart decisions, and identify when it’s time to level up to S Corp status. Keep Educating Yourself: Knowledge is power—and profit. Understanding deductions, tax rules, and best practices can save you thousands and help you confidently step into your CEO role. Topics Discussed: (00:00) Intro: What an LLC Is and Why It Matters for Your Taxes (02:32) Mistake 1: Co-Mingling Business and Personal Funds (03:40) Mistake 2: Not Taking Owner’s Draws (03:24) Mistake 3: Not Saving for Taxes (05:16) Promo Break: Kickstart’s “Check Your Books” Service (07:34) Mistake 4: Ignoring Your Numbers or Not Regularly Reviewing Financials (08:29) Deciding When to Elect for S Corp Status (09:04) Mistake 5: Not Educating Yourself (09:55) Real Life Client Success Story (11:12) Action Step: Audit Your Current Habits (11:47) Outro: Like, Share and Subscribe! Related Episodes: YouTube Playlist | Resources: Check Your Books | Book a Call with Kickstart Accounting, Inc.: Connect with Kickstart Accounting, Inc.: Instagram | YouTube | Facebook | /episode/index/show/entrepreneurmoneystories/id/38979125

How to Know If Your Contractor Should Be an Employee: The 3-Part Test That Could Save You Thousands – Ep. 248 11/11/2025

How to Know If Your Contractor Should Be an Employee: The 3-Part Test That Could Save You Thousands – Ep. 248 What if misclassifying your team could cost you thousands in back taxes, penalties, and missed benefits? Most business owners don’t realize how risky it can be to pay someone as a contractor when they really should be an employee. In this episode, Danielle Hayden, reformed corporate CFO and CEO of Kickstart Accounting, Inc., simplifies the IRS classification rules into a 3-step framework that helps you confidently decide whether your next hire or current team should be a contractor or employee, and when it might be time to make a change. Key Takeaways: Know the 3 Keys of Classification: These are the factors the IRS uses to determine if someone should be classified as an employee or contractor. Behavioral Control – Who decides how and when the work gets done? Financial Control – Who provides the equipment and sets the pay rate? Relationship – Is this a short-term project or an ongoing partnership? A Signed Contract Doesn’t Override Your Day-to-Day Working Relationship: If you control how, when, and with what tools someone works, they’re likely an employee, no matter what the contract says. Your Team Structure Will Evolve as Your Business Grows: It’s normal to start with contractors and transition to employees as you establish systems, brand standards, and long-term goals. Don’t Forget the Tax Implications: Contractors complete a W9 and handle their own taxes (including the employer portion). Employees go on payroll, and you, the business owner, take on that responsibility. Trust Your Gut and Your “Auditor Test”: If you couldn’t confidently explain to an auditor why someone is a contractor, it’s probably time to make them an employee. Topics Discussed: (00:00) Intro: The Costly Risks of Misclassifying Your Team + The 3 Key Factors the IRS Uses (02:28) Step 1: Behavioral Control – Who’s in Charge of the How and When? (02:56) Step 2: Financial Control – Who Sets the Pay and Provides the Tools? (03:24) Step 3: Relationship – Short-Term Project or Long-Term Partnership? (04:13) Why a Signed Agreement Isn’t Enough If You’re Relationship Says Otherwise (04:44) Trusting Your Gut: The “Auditor Test” for Classification Decisions (05:14) How Your Hiring Strategy Evolves as Your Business Grows (08:13) Tax Implications: W9s, 1099s, and Who’s Responsible for What (09:58) Resources on Hiring and Payroll for Business Owners from Kickstart Accounting, Inc. (10:29) Quick Recap of 3-Step Framework + Danielle’s “Gut Check” Test Before Hiring (11:06) Outro: Like, Share and Subscribe! Related Episodes: Resources: Book a Call with Kickstart Accounting, Inc.: Connect with Kickstart Accounting, Inc.: Instagram | YouTube | Facebook | /episode/index/show/entrepreneurmoneystories/id/38949995

What I Would Say If I Wasn't Afraid to Hurt Your Feelings – Ep. 247 11/04/2025

What I Would Say If I Wasn't Afraid to Hurt Your Feelings – Ep. 247 In this episode of Business by The Books, reformed corporate CFO and founder of Kickstart Accounting, Inc.’s Danielle Hayden gets honest about a tough but essential topic: Are you building a business that’s truly healthy, or one that’s just trying to pay as little as possible in taxes? Danielle breaks down the real costs of trying to make every expense a “business expense.” From dinners and vacations to board meetings and the Augusta Rule, she shares the financial habits that could be holding you back from long-term success and how to fix them. Key Takeaways: Showing Zero Profit Isn’t a Badge of Honor: Trying to pay nothing in taxes might save you in the short-term, but it can hurt you when you need a loan, want to sell your business, or attract investors. Every Meal Isn’t a Business Meal: Unless the goal of your meeting is actually business-related, that dinner date with your spouse or lunch with your family where you mentioned work isn’t a deductible expense. Your Family Isn’t Your Board of Directors: Why real accountability partners and advisors are essential for growth, and why mixing family with “board meetings” on vacation doesn’t count. Use the Augusta Rule Wisely: Just because you can use your home for meetings doesn’t mean you should. Consider whether that setup establishes the professional environment you need for connection, collaboration, and innovation. Build a Business for Value, Not Just for Tax Savings: Your CPA works for you. You get to decide: Are you optimizing for paying less in taxes? Or are you creating a business that thrives, grows, and generates true wealth? Topics Discussed: (00:00) Intro: What Your CPA Wishes They Could Tell You (02:26) The Problem with Turning Every Expense into a “Business Expense” (03:29) Why Your Family Vacation Isn’t and/or Shouldn’t Be a Business Trip (06:35) The Augusta Rule and Creating Professional Business Environments (08:23) Choosing the Kind of CEO You Want to Be – Tax Savings or Long-Term Business Value (10:03) Outro: Like, Share and Subscribe! Resources: KSA Tax Partners | Book a Call with Kickstart Accounting, Inc.: Connect with Kickstart Accounting, Inc.: Instagram | YouTube | Facebook | /episode/index/show/entrepreneurmoneystories/id/38757310

The Confidence That Comes with Financial Clarity: A Journey from Stressed to Scaling with Nico Misleh – Ep. 246 10/28/2025

The Confidence That Comes with Financial Clarity: A Journey from Stressed to Scaling with Nico Misleh – Ep. 246 Do you ever feel like you’re drowning in decisions but flying blind when it comes to your finances? You are not alone! In this episode of Business by The Books, Danielle sits down with returning guest and longtime client , a nurse practitioner and the founder of and , who went from overwhelmed and unsure to confidently hiring, scaling, and even launching a second business. Together, Danielle and Nico explore how understanding your numbers doesn’t just change your strategy, it changes your mindset. Key Takeaways: Financial Clarity Creates Emotional Freedom: When Nico finally understood his business numbers, he felt lighter and more confident, replacing stress and confusion with calm and control. The Right Money Team Can Change Everything: Having a financial partner who communicates clearly and cares personally gave Nico the tools and trust to grow without fear. You Don’t Have to Be a “Numbers Person” to Run a Financially Strong Business: Even if spreadsheets make you squirm, the right guidance can help you see your finances as a roadmap, not a mystery. Confidence in Your Numbers Leads to Smarter Decisions: From knowing when to hire to launching a second business, data-backed decisions gave Nico the courage to expand strategically. Relationships and Support Matter As Much As Reports: Entrepreneurship can be lonely, but having a team that celebrates, strategizes, and supports your vision makes all the difference. Topics Discussed: (00:00) Intro: Nico’s Background and Entrepreneur Story (03:24) From Financial Frustration to Freedom: The Struggle to Find the Right Accountant and How Finding Kickstart Accounting Changed Everything (07:03) Confidence Through Clarity: How Understanding His Numbers Helped Nico Hire Confidently and Scale Sustainably (10:14) Mindset & Support: The Intangible Benefits of Working with the Right Money Team and the Kickstart Accounting Difference (15:03) Future Focused Decisions: How Knowing Your Numbers Allows You to Plan Ahead and Achieve Goals (16:53) Outro: What’s Next for Nico + Like, Share and Subscribe! Resources: Nico’s First Appearance | Connect with Nico: Apollo Health Optimization | HTR University | Book a Call with Kickstart Accounting, Inc.: Connect with Kickstart Accounting, Inc.: Instagram | YouTube | Facebook | /episode/index/show/entrepreneurmoneystories/id/38649295

Bonuses Made Simple: A 6-Step Framework for Rewarding Your Team – Ep. 245 10/21/2025

Bonuses Made Simple: A 6-Step Framework for Rewarding Your Team – Ep. 245 It’s the season of gift giving, evaluating team performance, and bonuses, and for many business owners, that can bring up hard questions. Can I afford to give out bonuses this year? What if it’s not as much as last year? How much is fair? And how do I reward my team without draining my cash or putting my business at risk? In this episode, reformed corporate CFO and founder of Kickstart Accounting, Inc.’s Danielle Hayden walks you through a simple, repeatable framework to help you decide if, when, and how much to give your team in bonuses that’s fair, financially sound, and aligned with your business’s core values. Key Takeaways: Profitability Comes First: Only give bonuses when your business is profitable. A healthy, sustainable company is the best gift you can give your team. Protect Your Cash Flow: Separate accounts for operations, taxes, and savings (including bonuses) will help you plan ahead and avoid surprise shortfalls. Use Data, Not Emotion: Base your decisions on your financial reports and goals, not guilt, pressure, or last year’s habits. Reward Performance with Purpose: Tie bonuses to performance and your company’s core values, using consistent criteria your team understands. Timing Matters for Taxes: Be consistent year over year, and confirm with your accountant when it makes the most sense to issue bonuses based on your filing method. Topics Discussed: (00:00) Intro: What You’ll Learn in the Episode (01:46) Step 1: Pool Your Business's Profitability – Is Your Business Profitable Enough for Bonuses (03:38) Step 2: Check Cash Reserves – Why Cash Savings and Planning Ahead Are Essential Before Paying Bonuses (06:39) Step 3: Set Your Bonus Pool – How to Calculate a Realistic Bonus Pool (08:18) Step 4 & 5: Define Eligibility + Allocate Bonuses – How to Fairly Decide Who Qualifies and How Much to Award (11:03) Step 6: Decide on Timing – When to Pay Bonuses for the Best Tax Results and Long-Term Consistency (13:20) Outro: Kickstart’s Team Bonus Worksheet and Resources + Like, Share and Subscribe! Resources: KSA Tax Partners | Book a Call with Kickstart Accounting, Inc.: Connect with Kickstart Accounting, Inc.: Instagram | YouTube | Facebook | /episode/index/show/entrepreneurmoneystories/id/38648415

The Tax Strategies Business Owners Need to Prep Before the New Year – Ep. 244 10/14/2025

The Tax Strategies Business Owners Need to Prep Before the New Year – Ep. 244 Heading into tax season unprepared can be costly—missed deductions, lost paperwork, and sometimes, a surprise check to the IRS. But it doesn’t have to be that way! In this episode, Danielle Hayden, reformed corporate CFO and founder of Kickstart Accounting, Inc., shares the ultimate year-end checklist every business owner needs to save on taxes, protect their business, and walk confidently into tax season. From organizing your paperwork to making smart tax moves and maximizing personal financial strategies, Danielle gives you practical steps you can take before December 31st that can make a big difference in the new year. Key Takeaways: Get Your Paperwork in Order: Before December 31st, ensure all your partnership agreements, legal documents, and W9s are signed, stored, and ready. It’ll save you major headaches during tax season. Use the January 1st Advantage: The first of the year is the best time to make big structural changes, like starting an LLC, switching payroll providers, or filing for S Corp status. This avoids partial-year filings and confusion. Pay Your Kids (Properly!): You can pay your children for legitimate work in your business and enjoy tax advantages while teaching them financial responsibility. Take Advantage of Accountable Plans: Reimburse yourself consistently for things like your home office and cell phone. It’s an important benefit that shouldn’t be skipped, even in slower years. Review Personal Tax Opportunities: Before year-end, check your 529 plans, HSA, and FSA balances and make contributions to maximize your deductions and savings. Max Out Retirement Contributions: Don’t forget to fund your retirement plan! Whether it’s a 401(k), SEP IRA, or solo 401(k), you’re building wealth beyond your business. Meet with Your Tax Accountant Early: Schedule a pre-tax-season check-in to confirm your estimated payments, review your strategy, and avoid surprise penalties. Don’t Spend Money Just to Save on Taxes: Avoid the trap of prepaying expenses or buying things you don’t need. Focus on building a healthy, sustainable, profitable business instead. Topics Discussed: (00:00) Intro + Critical Paperwork to Get In Order for Year-End (02:24) Setting Up or Switching Your Business Structure for 1/1: LLC, Payroll, S Corp Election (05:02) Paying Your Kids the Correct Way for Tax Benefits (06:36) Accountable Plan Reimbursements (07:24) Collecting W9s from Contractors (08:13) Personal Tax Strategies: 529 Plans, HSAs, FSAs, and Health Insurance (11:13) Retirement Contributions and Your Different Options (12:31) Meeting with Your Tax Accountant (13:28) Smart Tax Planning Strategies to Avoid IRS Penalties and Spending Profit When You Don’t Need To (15:36) Itemized Deductions, Charitable Contributions, and the Big Beautiful Bill’s Effect on Depreciating Equipment (17:17) Outro: Kickstart’s Free Year-End Tax Checklist, Like, Share and Subscribe! Resources: Free Download | Related Episodes: KSA Tax Partners | Book a Call with Kickstart Accounting, Inc.: Connect with Kickstart Accounting, Inc.: Instagram | YouTube | Facebook | /episode/index/show/entrepreneurmoneystories/id/38563735

The 4 Seasons of Business Explained and Healthy Spending Strategies for Each Stage – Ep. 243 10/07/2025

The 4 Seasons of Business Explained and Healthy Spending Strategies for Each Stage – Ep. 243 Are you constantly wondering if you’re spending too much or maybe not enough in your business? Here’s the truth: not every season of business is meant to be profitable. And if your spending isn’t aligned with the season you’re in, you could risk stunting your growth or draining cash you can’t afford to lose. In this episode, Danielle Hayden, reformed corporate CFO and founder of Kickstart Accounting, Inc., walks you through the four seasons of business—developmental, growth, optimization, and stability—and shows you what healthy spending looks like in each one and their percentages. You’ll learn how to align your financial strategy with your business stage so you can invest wisely, protect your cash, and build long-term sustainability. Key Takeaways: Not Every Season Is Profitable: Understanding that profitability isn’t the goal in every stage of business gives you permission to reinvest strategically without guilt. Four Seasons of Business Guide Your Spending: Developmental, growth, optimization, and stability each have their own financial priorities and spending benchmarks. Healthy Spending Looks Different in Each Season: From investing in marketing during developmental mode to streamlining expenses in optimization mode, knowing where to focus can keep you on track. Your Season Isn’t Fixed: Business isn’t linear. You may cycle back and forth between seasons depending on opportunities, challenges, or market shifts. Financial Clarity Builds Confidence: Using your numbers as a tool helps you spend with intention and make empowered CEO-level decisions. Topics Discussed: (00:00) Intro – The 4 Seasons of Business Explained: Developmental, Growth, Optimization, and Stability (01:41) Development Mode: Spending Priorities and Benchmarks for Startups and Solopreneurs (06:48) Growth Mode: Building a Team, Scaling Systems, and Aiming for Profitability (12:29) Optimization Mode: Reducing Expenses, Focusing on Efficiency, and Leaning Into What Works (17:42) Stability Mode: Reduced Investments, Strong Profit Margins, and Balancing for Life (20:04) Outro: Kickstart’s Free Healthy Spending Guide, Like, Share and Subscribe! Resources: Free Download | Book a Call with Kickstart Accounting, Inc.: Connect with Kickstart Accounting, Inc.: Instagram | YouTube | Facebook | /episode/index/show/entrepreneurmoneystories/id/38487075

The 3 Stages of Business Growth: Entrepreneur, Small Business Owner, and CEO Explained – Ep. 242 09/30/2025

The 3 Stages of Business Growth: Entrepreneur, Small Business Owner, and CEO Explained – Ep. 242 In this week’s episode of Business by The Books, Danielle Hayden, reformed corporate CFO and founder of Kickstart Accounting, Inc., breaks down the real journey from entrepreneur to small business owner to finally stepping into the role of CEO. This isn’t about chasing flashy titles or hitting arbitrary revenue goals. It’s about clarity, confidence, and understanding your numbers so you can actually lead your business instead of letting it run you. Key Takeaways: Entrepreneur Stage – Building with Instinct: Many entrepreneurs start with passion and creativity but rely only on income goals and bank balances instead of true financial clarity. Danielle explains how this stage can fuel growth, but also stall it. Small Business Owner Stage – Running the Machine: This is where consistent revenue, vendors, and maybe a team come in. But too many owners still try to do it all themselves, which leads to mistakes and burnout. CEO Stage – Leading with Vision and Data: The mindset shifts that happens when you step into your CEO role, where you go from reacting and needing to have your hands in every area of the business to delegating and making intentional, future-focused decisions. Real-Life Client Success – : Hear how one client shifted from messy spreadsheets and receipts to clarity and balance once she started seeing her numbers monthly. Topics Discussed: (00:00) Intro: Redefining the CEO Role – Why It’s About Clarity, Not Business Size (01:11) The Entrepreneur Stage: Passion-Driven But Missing Profitability (03:37) The Small Business Owner Stage: Transitioning to Systems, Responsibility, and Financial Clarity (06:27) The CEO Stage: Leading with Data, Mindset Shifts, and Future-Focused Planning (08:52) Stepping Into Your CEO Role: How to Stop Doing More and Start Gaining Clarity (09:53) Outro: Kickstart’s CFO Services, Like, Share and Subscribe! Resources: CFO Services | Client Success Story | Book a Call with Kickstart Accounting, Inc.: Connect with Kickstart Accounting, Inc.: Instagram | YouTube | Facebook | /episode/index/show/entrepreneurmoneystories/id/38343640

How to Use Financial Goal Setting as the Foundation for Your Business Budget – Ep. 241 09/23/2025

How to Use Financial Goal Setting as the Foundation for Your Business Budget – Ep. 241 Ever sat down to build your budget, only to realize you don’t even know what you’re building it for? A budget without a goal is like a map without a destination. In this episode, Danielle Hayden, reformed corporate CFO and founder of Kickstart Accounting, Inc., is pulling back the curtain on the exact step-by-step framework she and her team use with CFO clients to set financial goals first, and then create a budget that actually gets them there. Key Takeaways: Celebrate the Wins (and Lessons) First: Before setting new goals, reflect on what you achieved last year and the hard financial lessons you learned. This helps you build from a place of clarity instead of starting from scratch. Big Picture and Dreams Before Details: Start with your 10-year vision, narrow it down to a 3-year target, and then break it into actionable 12-month goals. This ensures your short-term actions align with your long-term vision. Your Personal Life Matters: Your business goals must support the life you want to create, not work against it. Aligning both ensures sustainability and fulfillment. Define Your CEO Role: Whether you want to be client-facing, step fully into the visionary seat, or do a blend of both, knowing your role helps you make smarter hiring and budgeting decisions. Pay Yourself First: As the business owner, you deserve to be compensated. Budgeting your pay upfront creates healthy financial guardrails and sustainable profitability. Topics Discussed: (00:00) Intro: Why Your Goals Need to Come Before Building a Budget (02:02) The Importance of Looking Back Before You Move Forward (06:03) Setting Long-Term, Mid-Term, and Short-Term Goals (10:27) What Mode Are You In: Aligning Your Life & Personal Goals with Your Business Goals (12:44) Defining Your CEO Role and Team Structure (14:54) Profitability, Sustainability, and Paying Yourself First (18:30) Action Steps to Complete Your Financial Goal Setting Worksheet & Your Responsibility as a CEO (19:33) Outro: Kickstart’s CFO Services, Like, Share and Subscribe! Resources: Financial Goal Setting Worksheet | CFO Services | Healthy Budget Percentages Episode | Book a Call with Kickstart Accounting, Inc.: Connect with Kickstart Accounting, Inc.: Instagram | YouTube | Facebook | /episode/index/show/entrepreneurmoneystories/id/38314775

The Confidence Formula: Balancing Intuition + Data in Your Business Numbers with Serena Waller of The Dande Agency – Ep. 240 09/16/2025

The Confidence Formula: Balancing Intuition + Data in Your Business Numbers with Serena Waller of The Dande Agency – Ep. 240 Ever heard the phrase “know your numbers” and thought, okay…but what does that actually mean? In this episode, Danielle sits down with client and entrepreneur Serena Waller, founder of , to talk about how truly understanding her numbers transformed the way she runs her business. Serena gets real about the ups, downs, and unexpected turns of entrepreneurship—like losing a corporate job at seven months pregnant, launching her own agency, and growing it over the past ten years into a thriving business that now supports a full team. Key Takeaways: Clarity Creates Confidence: Serena shares how shifting from confusion to clarity with her finances gave her the ability to make calm, strategic decisions in her business. The Right Support Team Matters: Finding a bookkeeping and accounting team who actually listened and provided her with timely numbers while communicating what they mean changed the game for her and her business. Numbers and Intuition Go Hand in Hand: Serena explains how she balances gut instincts with financial data to steer her business forward. Growth Requires a Mindset Shift: Hiring a team and stepping into the visionary role required Serena to let go of old ways of working and embrace new levels of leadership. Financial Knowledge Equals Freedom: Knowing her numbers didn’t just improve her bottom line, it gave Serena peace of mind and the confidence to make decisions and take calculated risks. Topics Discussed: (00:00) Intro: How Knowing Your Numbers Creates Calm and Clarity (00:34) Serena’s Journey Into Entrepreneurship & Her Work Now (04:35) Struggles with Early Financial Management & Finding the Right Money Team (08:22) How Kickstart Helped Serena Understand and Know Her Numbers (10:49) Balancing Gut Feelings with Data (13:23) Building Confidence as a CEO (14:23) Rate and Review Break (14:36) Hiring Decisions & Leadership Growth and Mindset (18:01) Using Your Numbers to Read Trends & Forecast for the Future (22:17) Deciding Whether or Not to DIY Bookkeeping (25:13) What’s Next for Serena and The Dande Agency (28:26) Serena’s Major Piece of Business Advice for Entrepreneurs (30:10) Outro: Like, share, and subscribe! Connect with Serena: The Dande Agency Website | Follow The Dande Agency on Instagram | @dandeagency Book a Call with Kickstart Accounting, Inc.: https://kickstartaccountinginc.com/book-a-call/ Connect with Kickstart Accounting, Inc.: Instagram | YouTube | Facebook | /episode/index/show/entrepreneurmoneystories/id/38222525

The CEO’s Guide to Budgeting: A Financial Plan That Supports Your Season of Life – Ep. 239 09/09/2025

The CEO’s Guide to Budgeting: A Financial Plan That Supports Your Season of Life – Ep. 239 A lot of business owners look at budgeting as punishment for past money mistakes, but budgeting doesn’t have to feel restrictive. In fact, budgeting can be used as a tool for freedom while protecting your business at the same time, especially if you allow yourself the space and time to plan. In this episode, Danielle Hayden, reformed CFO and founder of Kickstart Accounting, Inc., shares how to use budgeting as a tool for clarity, confidence, and intention in your business, and she explains why Q4 is the best time to reflect, reset, and plan for the year ahead, instead of waiting until January. Key Takeaways: Budgeting Is About Clarity, Not Restriction: Budgeting isn’t punishment. It’s a tool that provides direction, helps you spend with intention, and protects your vision for the year ahead. Pay Yourself with Confidence: Danielle breaks down the three key numbers every business owner should define: what you want to pay yourself, what you need to feel secure, and what you desire to feel free. Quarter 4 Is Your CEO Power Season: The most strategic business owners use Q4 to zoom out, reflect on what worked, and plan for the next year, so they start January with confidence, not chaos. Your Budget Should Reflect Your Real Season of Life: Whether you’re scaling up, slowing down, or balancing big life changes, your budget should support the business season you’re actually in, not the one you think you “should” be in. Overcome Financial Shame & Guilt: Fear and past money mistakes don’t define you. By using strategy and support, you can rebuild confidence and step fully into your CEO role. Topics Discussed: (00:00) Intro: How Budgeting Is About Stepping Into Your Role As CEO, Not Restriction (01:00) Why Q4 is the Most Strategic Time to Plan and Budget for Next Year (02:55) How to Set Aligned Revenue Goals and Map Out Investments with Intention (03:39) Budgeting for Your Real Season in Business and Life (04:42) Overcoming Financial Fear, Shame, and Money Stories with Strategy and Support (07:24) Outro: Like, share, and subscribe! Resources: Free Downloadable Budgeting Template | Book a Call with Kickstart Accounting, Inc.: Connect with Kickstart Accounting, Inc.: Instagram | YouTube | Facebook | /episode/index/show/entrepreneurmoneystories/id/38085890

The 5 Must-Know Cash KPIs Every Business Owner Needs to Grow & Stay Profitable – Ep. 238 09/02/2025

The 5 Must-Know Cash KPIs Every Business Owner Needs to Grow & Stay Profitable – Ep. 238 If you want to grow your business with confidence, you need to understand your cash flow, and that means going beyond just checking your bank balance. In this episode, Danielle Hayden, your go-to financial partner for all things bookkeeping, breaks down the 5 essential cash KPIs every CEO should track and explains how to use them to make smarter decisions for your business. Key Takeaways: Cash Flow is the Lifeline of Your Business: Without clarity on cash flow, you’re reacting instead of leading—and that’s the fastest path to burnout or shutdown. KPIs Turn Insight Into Action: Knowing your bank balance isn’t enough; these 5 KPIs give you the clarity you need to plan, invest, and scale sustainably. Healthy Ratios = Peace of Mind: Metrics like the quick ratio and current ratio tell you whether you can handle surprises without panic. Free Cash Flow Is Your Decision-Making Tool: It reveals whether you can hire, invest, or pay yourself more without putting your business at risk. Cash Reserves Buy Confidence: Having 1-3 months of operating expenses in the bank gives you the power to make bold moves without sleepless nights. The 5 CEO Cash KPIs We Cover: Free Cash Flow – What’s really left after running and growing your business? Operating Cash Flow to Liabilities Ratio – Can your business cover what it owes? Current Ratio – Do you have enough short-term assets to pay your bills? Quick Ratio – If you had to pay everything today, could you? Cash On Hand – How long can you keep the lights on without new revenue? Topics Discussed: (00:00 – 01:14) Why Cash Flow Makes or Breaks Your Business (01:15 – 02:16) Why KPIs Matter Beyond the Cash Flow Statement (02:17 – 03:07) Free Cash Flow: What It Is and Why It’s Critical (03:07 – 05:02) Comparing Operating Cash Flow to Liabilities Ratio (05:03 – 06:14) Current Ratio: What It Tells You and How to Calculate It (06:14 – 07:26) Quick Ratio: What It Tells You and How to Calculate It (07:27 – 08:28) Cash On Hand: Your Ultimate Safety Net and Ability to Investment (08:35 – 09:42) Recap of the 5 KPIs to Track as a CEO (09:44 – 10:27) Outro: Like, share, and subscribe! Book a Call with Kickstart Accounting, Inc.: Connect with Kickstart Accounting, Inc.: Instagram | YouTube | Facebook | /episode/index/show/entrepreneurmoneystories/id/38003785

Your Business Back-to-School Reset: How to Finish the Year Strong – Ep. 237 08/26/2025

Your Business Back-to-School Reset: How to Finish the Year Strong – Ep. 237 Sharpen your pencils, grab a fresh notebook—it’s back-to-school season for your business! Just like the excitement of new school supplies and a fresh start, this time of year gives us the perfect opportunity to reset and set yourself up for a strong finish to the year. In this episode of Business by the Books, Danielle Hayden, reformed corporate CFO and owner of Kickstart Accounting, Inc., shares her simple but powerful framework for getting back on track after summer and closing out the year in a way you’ll feel proud of. Think of it as your “second January,” a fresh chance to refocus, reenergize, and reset your goals for Q3 and Q4. Key Takeaways: Reset Your CEO Mindset: Learn how to pause, reflect, and set yourself up for success by focusing on what’s working (and letting go of what’s not). Schedule CEO Time: Carve out dedicated time each week to think strategically about your business instead of getting lost in day-to-day fires. Get Clarity on Your Numbers: Update your books, review your income statement and balance sheet, and uncover where your money is really going. Prep for Q4 with Intention: Map out expenses, holiday schedules, and one clear financial goal so you can finish the year with focus, not overwhelm. Some Goals Can Wait: Trying to do everything right now often leads to getting nothing done. Choose one thing you can accomplish before year-end and save the rest for another quarter. Ask for Help!: You don’t have to do this alone—lean on your financial team, coaches, and accountability partners to support your growth. Topics Discussed: (00:00 – 02:10) Why Back-to-School Season Is a Fresh Start and a Reset from Summer (02:11 – 04:38) Shifting Into a CEO Mindset and Creating Weekly CEO Time (04:39 – 06:59) Reviewing Financial Statements to Uncover Insights and Cash Flow Surprises (06:59 – 09:31) Planning Q4 with Intention: Expenses, Taxes, and Big Goals (09:32 – 11:25) The Power of a “Wait Until Next Quarter” List and Asking for Help Book a Call with Kickstart Accounting, Inc.: Connect with Kickstart Accounting, Inc.: Instagram | YouTube | Facebook | /episode/index/show/entrepreneurmoneystories/id/37905880

How One Fantasy Book Sparked a Career Pivot and Successful Podcast Business with Nicole from Fantasy Fangirls Podcast – Ep. 236 08/19/2025

How One Fantasy Book Sparked a Career Pivot and Successful Podcast Business with Nicole from Fantasy Fangirls Podcast – Ep. 236 In this episode, Danielle is joined by Nicole, one-half of the dynamic sister duo behind , to talk about her leap from running a professional coaching business to building a wildly successful podcast brand that’s taken the book world by storm. This isn’t a story about going viral overnight (although that did happen). It's a story of personal growth. It's a story about making intentional, informed decisions and trusting yourself enough to pivot when you find what lights you up. Nicole shares how a chance reading of a fantasy novel sparked an idea, how she and her sister went “all in” on creating a show they loved, and what it took to turn that passion project into a full-time career. Key Takeaways: Pivoting Can Be the Smartest Move You Make: Nicole’s shift from coaching to podcasting wasn’t a step backward, it was a leap toward something that energized her every day. Strategic Investments Pay Off—If You Actually Implement: The importance of acting on what you learn from courses and mentors, instead of staying in “forever student” mode. Passion and Profit Can Go Hand-in-Hand: The Fantasy Fangirls Podcast proves that you can build a sustainable business around what you genuinely love when you combine your passion with taking an honest look at your numbers. Entrepreneurship Doesn’t Have to Be Lonely: Whether you’re going it solo or have a team, you don’t have to white knuckle it to success. Don’t be afraid to create a support system and rely on others along the way. Make Space for Hobbies and Discovering Your Spark: Choosing projects that light you up can be the key to longevity and fulfillment in business. Topics Discussed: (00:00 – 04:32) Intro: Nicole’s Mission with Fantasy Fangirls Podcast (04:37 – 10:32) From Professional Coaching to Full-Time Fantasy Podcasting: Nicole’s Unexpected Career Shift - How a Single Book Sparked a Whole New Business (10:32 – 14:14) Lessons from Investing in Your Education and Actually Implementing What You Learn (14:15 – 18:41) Making the Emotional and Financial Leap Into a New Industry (18:43 – 18:56) Rate & Review Break (19:01 – 28:42) How Nicole Used Numbers to Build a Team and Grow the Podcast (28:42 – 32:35) The Loneliness Factor in Entrepreneurship and the Importance of Having Support (32:37 – 35:00) What’s Next for Nicole and Fantasy Fangirls Podcast in the Future (35:01 – 37:30) Nicole’s Piece of Advice for Entrepreneurs Who Are Struggling to Grow or Are In Growth Season Connect with Nicole: Fantasy Fangirls Podcast Website | Watch Fantasy Fangirls on YouTube | Follow Fantasy Fangirls on IG and TikTok | @fantasyfangirlspod Mentioned in the Episode: Built to Sell by John Warrillow | Grow the Show with Kevin Chemidlin | Book a Call with Kickstart Accounting, Inc.: Connect with Kickstart Accounting, Inc.: Instagram | YouTube | Facebook | /episode/index/show/entrepreneurmoneystories/id/37863310

Cash Flow Clarity - How to Finally Understand Where Your Money Is Going – Ep. 235 08/12/2025

Cash Flow Clarity - How to Finally Understand Where Your Money Is Going – Ep. 235 Ever look at your cash flow statement and want to crawl under your desk and hide? You're not alone! Cash flow statements aren’t really made for business owners, but that doesn’t mean you should ignore them. So, how do we read them? In this episode, Danielle Hayden, reformed corporate CFO and CEO of Kickstart Accounting, Inc., is here to show you exactly how to understand your cash flow without needing an accounting degree through the Snapshot Cash Overview, Kickstart Accounting’s simple, business owner-friendly report that shows you exactly what’s coming in, what’s going out, and how much cash you really have to work with. Key Takeaways: Traditional Cash Flow Statements Aren’t Made for You: They’re built for bankers and accountants, not entrepreneurs. That’s why Danielle and our team created the Snapshot Cash Overview, a simpler, visual tool built with business owners in mind. Profit Doesn't Mean Cash in the Bank: You can show a $20k profit on your income statement, but if you’re paying off debt or taking owner’s draws, your bank account can still feel empty. The Snapshot Cash Overview: Green means Money In. Red means money out. The Snapshot uses a color-coded system to help you quickly understand your revenue, expenses, debt payments, and draws. Know Your Free Cash Flow Before You Invest: Before making big decisions like hiring or upgrading tools, check if your business is generating enough cash. Use Net Cash Flow to Guide Your Owner’s Draws and Savings: Want to know how much you can pay yourself or set aside for taxes? Your year-to-date net cash flow will give you the clearest answer. The Snapshot Bridges the Gap Between Profit and Cash: It ties together your income statement and balance sheet so you can finally see where your money is really going. Topics Discussed: (00:11 – 01:57) Why Traditional Cash Flow Statements Don’t Work for Business Owners (02:27 – 04:30) Introduction to the Snapshot Cash Overview and Its Key Components (04:31 – 07:42) How Balance Sheet Items Affect Your Cash and Why They Matter (07:43 – 10:06) Real Client Case Study: $109k in Income But Only $5k Added to Cash (10:06 – 11:39) How to Use Your Snapshot to Make CEO-Level Decisions with Confidence Book a Call with Kickstart Accounting, Inc.: Connect with Kickstart Accounting, Inc.: Instagram | YouTube | Facebook | /episode/index/show/entrepreneurmoneystories/id/37754370

Stop Doing $10 Tasks in Your Business - Why DIY Is Costing You Money – Ep. 234 08/05/2025

Stop Doing $10 Tasks in Your Business - Why DIY Is Costing You Money – Ep. 234 Let’s get real, you’re not going to build a million-dollar business while spending your time on $10/hour tasks. In this no-fluff, heart-to-heart episode, Danielle breaks down the true cost of doing it all yourself, especially the low-value to-dos that keep you “busy” but not profitable, and shares the action steps you need to buy back your time, start delegating, and finally lead your business like the CEO you are. Key Takeaways: You Can’t Scale Doing Everything Yourself: Low-value tasks might feel productive, but they’re keeping you stuck and small. You need to step out of the weeds to grow. CEO Work is Strategic, Not Busywork: Your most valuable contributions come from visioning, leading, analyzing financials, and making key decisions, not juggling a constant stream of admin tasks. Delegation Isn’t a Luxury—It’s a Business Strategy: Even if you start small, outsourcing or automating frees up hours you can reinvest in revenue-generating work. Knowing Your Numbers Helps You Hire Confidently: Understanding your financials lets you forecast, set targets, and build a team even on a smaller budget. Done is Better Than Perfect: Let go of the belief that no one else can do it like you. Delegation is a skill, and progress beats perfection every time. Topics Discussed: (00:30 – 01:22) Why $10/Hour Tasks are Holding You Back from Building a Million-Dollar Business (01:27 – 02:38) What Real CEO Work Looks Like (and What It Doesn’t) (02:41 – 03:20) The Actual Cost of Doing Everything Yourself in Time and Revenue (03:21 – 05:31) Small, Realistic Ways to Start Delegating Right Away (05:32 – 07:05) Your Role as a CEO and How to Use Your Numbers Strategically Book a Call with Kickstart Accounting, Inc.: Connect with Kickstart Accounting, Inc.: Instagram | YouTube | Facebook | /episode/index/show/entrepreneurmoneystories/id/37579210

How to Redesign the Way You Work to Have “More Life” with Taylor Thompson – Ep. 233 07/29/2025

How to Redesign the Way You Work to Have “More Life” with Taylor Thompson – Ep. 233 This episode, we’re pausing the hustle to take a big-picture look at what really matters in both business and life. Danielle Hayden, CEO of Kickstart Accounting, Inc., sits down with , founder of , bestselling author of , podcast host, and national speaker, to talk about what it means to build a business that gives you more life, not just more work and revenue. Taylor brings a refreshing take on entrepreneurship—less “do more,” more “do what matters to you”. From overcoming burnout to designing a lifestyle-first business model, Taylor shares personal insights, financial mindset wisdom, and actionable steps to help you avoid deathbed regret and define success on your terms. Key Takeaways: Define Your “Enough”: Growth is great, but not if it’s at the cost of the things that really matter to you in life. Know what enough looks like for you and structure your business to support that. Start with the Life You Want: Reverse-engineer your business model based on your ideal calendar, energy, and goals—not arbitrary revenue benchmarks. Zone of Genius ≠ Zone of Aliveness: Just because you’re good at something doesn’t mean it should be your business. Fulfillment matters just as much as skill. Detach Your Worth from Your Numbers: Your financials aren’t a report card. Use them as a tool for informed decisions, not as a reflection for your identity. Pause to Notice Meaningful Moments: “More life” isn’t only about having more stuff. It’s about feeling more joy, presence, and alignment in everyday moments. Topics Discussed: (01:05 – 03:52) Taylor’s Mission: Helping others avoid deathbed regrets with tactical strategies to build businesses that prioritize what matters most to them (03:53 – 06:28) Reclaiming Freedom: Monetizing a Personal Brand & Restructuring Your Business Model to Work Smarter, Not Harder (06:29 – 10:14) Trading Time for Money and Why Knowing Your “Enough” is Essential (10:15 – 13:56) Two Exercises: How to Figure Out What You Really Want & How Much Time and Money You Need to Get That (13:58 – 16:10) What a Lifestyle Business Looks Like: Calendar-First, Value-Aligned, Purpose-Driven (16:11 – 18:15) The “More Life” Concept and How You Can Implement It Logistically (18:16 – 21:09) Creating “More Life” for Yourself Even as a Workaholic (21:18 – 25:09) Detaching Self-Worth from Financial Performance and Using Data Over Drama (25:10 – 26:29) How to Explore What Having “More Life” Feels Like (26:33 – 28:47) Where You Can Connect & Find Taylor Thompson’s Work Resources: Taylor’s Book | Free Resource | - Taylor’s free spreadsheet of income stream ideas for entrepreneurs and personal brands Work with Taylor | Follow Taylor on IG | @TheTaylorThompson Taylor’s Podcast | Book a Call with Kickstart Accounting, Inc.: Connect with Kickstart Accounting, Inc.: Instagram | YouTube | Facebook | /episode/index/show/entrepreneurmoneystories/id/37547825

The Mid-Year CEO Tax Check-In: What You’re Responsible for (and Why It Matters) – Ep. 232 07/22/2025

The Mid-Year CEO Tax Check-In: What You’re Responsible for (and Why It Matters) – Ep. 232 Ready to stop scrambling come tax time and start planning like the business leader you are? Well, it starts with your mid-year financial game plan. In this episode, Danielle Hayden, CEO and founder of Kickstart Accounting, Inc., walks you through the steps you need to take to get your books in shape, plan for tax season (without stress), and build a business that’s profitable and sustainable for the long haul. Let’s make tax season feel like just another Tuesday. Key Takeaways: Know the Kind of Business You're Building: Are you running a tax deduction-focused business or building long-term sustainability? Defining this upfront will shape your entire financial strategy and mindset. Bookkeeping Is the Foundation of Everything: You can't make smart tax or financial decisions without accurate, up-to-date books. Get caught up and stay caught up. Collect W-9s and Log Expenses Now, Not Later: Save yourself a year-end headache by organizing contractor paperwork and tracking home office, mileage, and reimbursable expenses today. Review Your Entity Type and Compensation: Are you set up as the right business entity? S-Corps, in particular, need to pay close attention to reasonable compensation and accountable plans. Don't Skip Estimated Tax Payments: Avoid penalties and cash flow surprises by paying what you owe and saving for taxes proactively—your future self will thank you. ⭐ Business Hack: Schedule a full “CEO Day” to knock all this off your plate! Topics Discussed: (00:31 – 01:15) Why Mid-Year Is the Best Time for Financial Planning (01:16 – 04:53) Choosing the Kind of Business You Want to Run (04:59 – 06:54) Bookkeeping Updates: What to Check and Why It Matters (06:55 – 11:15) Must-Do Mid-Year Admin: W-9s, Home Expenses, Mileage Tracking (11:24 – 16:00) Reviewing Entity Type, Reasonable Compensation, and Estimated Taxes Resources: Free Downloadable Template | Episode Referenced | Book a Call with Kickstart Accounting, Inc.: Connect with Kickstart Accounting, Inc.: Instagram | YouTube | Facebook | /episode/index/show/entrepreneurmoneystories/id/37491830

Bookkeeping 101: What It Is and Why It Matters for Small Businesses – Ep. 231 07/15/2025

Bookkeeping 101: What It Is and Why It Matters for Small Businesses – Ep. 231 What exactly is bookkeeping and why does it matter so much for your business? In this episode, Danielle Hayden, reformed corporate CFO and CEO of Kickstart Accounting, Inc., breaks down the basics of bookkeeping, explains how it supports your growth, and shares the real-life benefits of staying on top of your numbers. Whether you're just starting out or scaling fast, this is foundational knowledge every business owner needs. Key Takeaways: Bookkeeping Is Your Business’s Financial Foundation: It’s all about recording and organizing every transaction—sales, expenses, and everything in between—so you can make smart, informed decisions. Cash-Basis Accounting Is Usually the Right Fit for Small Businesses: Unlike big corporations, most small business owners don’t need complex systems. Recording transactions when cash hits or leaves your bank account keeps things simple and clear. Timely Bookkeeping Saves You Time, Money, and Stress: When your books are current, you can avoid overpaying in taxes, make better business decisions, and skip the last-minute scramble at tax time. Accurate Books Protect You in Audits and Increase Your Business’s Value: Clean records mean you're IRS audit-ready, and if you ever need to sell or get a valuation, your bookkeeping can directly impact your bottom line. As the CEO, You’re Still Responsible: Even with a bookkeeper, it’s your job to communicate business changes and review your reports regularly. That’s how you turn numbers into growth. Special Note for S-Corp Owners: You must have accurate financials to file correctly and stay compliant. That means both income statements and balance sheets—don’t skip this step! Topics Discussed: (00:29 – 01:33) What is Bookkeeping and Why Does It Matter? (01:34 – 03:59) The Difference Between Small Business and Corporate Bookkeeping (04:00 – 08:26) The Benefits of Accurate, Up-to-Date Bookkeeping (08:27 – 09:09) Why Cash Balance Is Not the Full Financial Picture (09:09 – 09:43) Special Considerations for S-Corp Owners (10:19 – 12:37) The Importance of Taking Responsibility for Tracking Your Numbers as a Business Owner Book a Call with Kickstart Accounting, Inc.: Connect with Kickstart Accounting, Inc.: Instagram | YouTube | Facebook | /episode/index/show/entrepreneurmoneystories/id/37378165

The Mid-Year CEO Reset: Reforecasting With Purpose – Ep. 230 07/08/2025

The Mid-Year CEO Reset: Reforecasting With Purpose – Ep. 230 Remember that shiny budget and those big goals you made in January when the year felt fresh and full of possibilities? If your business (or life) looks different now than it did months ago, you’re not failing, you’re simply running a real business in the real world. Things shift. You adapt. In this episode, Danielle Hayden, CEO and founder of Kickstart Accounting, Inc., walks you through one of her favorite CFO tools: reforecasting. It’s not about starting over—it's about realigning your financial strategy with where you are right now. Key Takeaways: Reforecasting = Realignment, Not Failure: Your original budget was based on what you knew at the time. Updating it doesn’t mean you failed—it means you're leading with clarity and making strategic decisions based on your current reality. Start with Solid Bookkeeping: Before you can reforecast, your financial foundation needs to be accurate. Without clean, up-to-date books, your forecast is a guess and isn’t providing you with proper clarity. Use Actual Data + Updated Insights: Effective reforecasting combines what you know now, your business’s year-to-date (YTD), with your revised budget to project the rest of the year. Reforecasting Should Be Routine: Use this tool anytime your business shifts, like if there’s a change in revenue, a team adjustment, a new offer, or even a personal life change that impacts your work. Rewire Your Mindset: There’s no shame in changing the plan. In fact, there’s power in it. Adapting your financial strategy is a sign of leadership, not failure. Topics Discussed: (00:19 – 01:14) Why is Reforecasting Important in Financial Planning? (01:14 – 02:28) What is Reforecasting in Business? (03:32 – 06:12) When Should You Reforecast? (06:12 – 07:49) Real World Client Examples of Reforecasting (07:50 – 08:49) Rewiring Your Mindset Around Changing Your Plans (08:52 – 09:49) How to Reforecast Step-by-Step Your Reforecasting Action Plan: Review your year-to-date and quarterly financials Ask yourself: What’s changed? What needs to shift or stay the same? Update your original budget with what you now know Download our free reforecasting template below! Resources: Free Reforecasting Template | Book a Call with Kickstart Accounting, Inc.: Connect with Kickstart Accounting, Inc.: Instagram | YouTube | Facebook | /episode/index/show/entrepreneurmoneystories/id/37299695

Midyear Business Review: Refocus, Rework & Still Hit Your Goals – Ep. 229 07/01/2025

Midyear Business Review: Refocus, Rework & Still Hit Your Goals – Ep. 229 We’re officially at the halfway point of 2025, and no, it’s not too late to make this year your most productive year yet! In this episode, Danielle is joined by one of our numbers experts from our amazing Kickstart Accounting team, Account Manager Becky Teves, to talk through the biggest obstacles she sees small business owners experiencing right now, and how you can finish this year strong and strategic. Key Takeaways: It’s Not Too Late to Pivot Your 2025 Goals: You still have time to course-correct and make strategic decisions based on what’s working, even if it means setting fresh goals for the second half of the year. Big Changes Take Time to Show Results: Don’t be discouraged if you’re not seeing immediate profits from decisions made months ago. Practicing patience is a key part of financial growth. Connect with Your Money Team: Email is great, but nothing beats a face-to-face call to dig into your numbers, goals, and strategies. And if you’re a Kickstart client, these calls are included in your package—use them! There are No Dumb Questions: Even if you're not sure what to ask your money team, speaking up opens the door to helpful conversations and solutions you didn’t even know were available. Prep Now to Avoid the Year-End Scramble: From making sure all accounts and expenses are accounted for to collecting W9s from contractors, taking small steps now will save you major stress come tax season as well as give you more time to focus on your business and its growth. Topics Discussed: (00:11 – 00:38) Why Midyear is Not the Time to Write Off the Rest of the Year (00:39 – 01:56) How to Rework Your Goals and Practice Financial Patience (02:07 – 05:49) The Real Value of Calls with Your Money Team and What Happens on Them (05:49 – 07:09) Midyear Action Steps: What to Send Your Accountant Now for the Future Resources: Kickstart Accounting’s CFO Services | Book a Call with Kickstart Accounting, Inc.: Connect with Kickstart Accounting, Inc.: Instagram | YouTube | Facebook | /episode/index/show/entrepreneurmoneystories/id/37181805

The Power of the Quarterly Financial Review: How 90 Mins Every 90 Days Changes Everything – Ep. 228 06/24/2025

The Power of the Quarterly Financial Review: How 90 Mins Every 90 Days Changes Everything – Ep. 228 You’re reviewing your numbers monthly (go you!), but what about taking a step back to see the big picture? In this episode, Danielle walks you through the power of a quarterly financial review, one of the most practical ways to make smarter decisions, spot real trends, and align your business goals with your personal ones. She breaks down the difference between monthly and quarterly reviews (the micro vs. macro view each provides), what numbers to look at quarterly, and how to analyze those numbers. All you need is 90 minutes every 90 days to use your financials as a tool for success and lead your business with deeper clarity and confidence. Key Takeaways: Monthly vs. Quarterly Reviews: Monthly reviews help you manage the day-to-day, while quarterly reviews are your roadmap, zooming out to see long-term trends and course correct if needed. Revenue Trends & Profitability: Don’t just focus on sales. Understand where your income is coming from and if it’s actually making you money. Operating Expenses: Your top five expenses tell the real story of your business priorities. Make sure your spending aligns with your vision. Personal + Business Alignment: Your personal and family goals should be part of your financial strategy. If they’re out of sync, tension (and burnout) is bound to follow. Data > Emotion: Reviewing your numbers quarterly helps you strip away the emotional swings of entrepreneurship and make clear-headed decisions based on actual performance. Topics Discussed: (00:53 – 02:05) Monthly vs. Quarterly Reviews (02:05 – 04:16) What to Include in a Quarterly Review (04:16 – 05:48) Growth vs. Profit (05:48 – 07:01) Aligning Business with Personal Goals (07:01 – 08:50) Tracking & Analysis of Revenue Trends (08:50 – 10:15) Reviewing Operating Expenses & Spending Trends (10:15 – 12:19) Understanding Your Net Income & Cash Flow (12:20 – 12:44) Reviewing How Much You’re Paying Yourself & Your Team (12:45 – 14:25) Comparing Budget vs. Actual Kickstart’s Quarterly Review Checklist: Last quarter compared to year-to-date Growth vs. profit & ROI Personal vs. business financial alignment Profit margin & revenue streams Operating expenses + top 5 spending categories Net income & monthly/quarterly patterns Cash flow health + reserve analysis Owner’s pay & team compensation Budget vs. actuals Action Steps: Blockout 90 minutes of CEO time Gather your Snapshot and financial statements Use your quarterly checklist to walk through the process Set 1–3 priority shifts or goals for the next 90 days Schedule your next review (and that call if you’re a Kickstart client!) Resources: Past Episode | Kickstart Accounting’s CFO Services | Book a Call with Kickstart Accounting, Inc.: Connect with Kickstart Accounting, Inc.: Instagram | YouTube | Facebook | /episode/index/show/entrepreneurmoneystories/id/37090860

Business By The Books with Danielle Hayden

TOPICS