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.

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

The Money Mistakes We All Make (and How to Fix Them) – Ep. 227 06/17/2025

The Money Mistakes We All Make (and How to Fix Them) – Ep. 227 Just because there’s money in the bank doesn’t mean your business is truly profitable. In this episode, Danielle lays out the most common (and sneaky) financial mistakes she sees entrepreneurs and small business owners making without even realizing they’re doing it. From undercharging to over-relying on your gut, Danielle is not here to shame you—she’s here to show you how to avoid them so you have the tools you need to build your business with confidence, clarity, and a financial plan that supports your vision. Key Takeaways: Your Bank Balance is Not the Full Picture: Why real profitability lives beyond what’s in your checking account. Profit is not the same as cash flow, and both matter in different ways. You Don’t Have to Do It All Yourself: You're not a bookkeeper—and you don't need to be! Delegating your money tasks is one of the most empowering moves you can make. Outsourcing your books (or any task that’s not your expertise) isn’t giving up control, it’s giving yourself the ability to make smarter business decisions. Knowing Your Numbers Puts You In Control: Reviewing your financial statements monthly isn’t just “nice”, it’s necessary. It keeps you from guessing and it’s how you grow with intention. Pricing for Profit, Not Panic: Undercharging leads to burnout. You deserve to get paid what your work is worth—and then some. Create a Plan for the Slow Seasons: Feast-or-famine is not a strategy. Use data to build stability and breathe easier year-round. Think In Terms of the Long-Game: Even if you love your work now, it’s never too early to plan for the future. Building a business that runs without you means real freedom. Topics Discussed: (00:49 – 01:43) Mistake #1: The Illusion of a Healthy Bank Balance (01:44 – 02:47) Mistake #2: Doing Your Own Bookkeeping and Ignoring Your Financials (02:47 – 03:16) Mistake #3: Not Looking at Your Financials on a Monthly Basis (03:24 – 04:47) Mistake #4 & 5: Not Charging Enough and Not Raising Prices Regularly (04:48 – 05:30) Mistake #6: Not Tracking Return of Investments on Expenses (05:31 – 06:22) Mistake #7: Chasing Revenue Over Profit (06:24 – 08:07) Mistake #8 & 9: Hiring a Team and Asking for Help Too Late (08:07 – 08:53) Mistake #10: Not Planning for Slow Seasons and Creating a Money Buffer (08:53 – 09:59) Mistake #11 & 12: Ignoring Financial Red Flags and Relying on Your Gut Alone (10:00 – 10:34) Mistake #13: Allowing One Client or Revenue Source to Dominate Your Business (10:35 – 11:10) Mistake #14: Not Having Standard Operating Procedures In Order to Delegate (11:11 – 11:42) Mistake #15: Inconsistent Invoicing and Follow Up (13:57 – 14:45) Mistake #16: Not Creating an Exit Plan and Having a Long-Term Vision 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/37023935

Building a Business That Can Carry You Through Life’s Hardest Moments with Jess Walker of Five Dot Post – Ep. 226 06/10/2025

Building a Business That Can Carry You Through Life’s Hardest Moments with Jess Walker of Five Dot Post – Ep. 226 In this episode, Danielle sits down with , founder of the unique and heartfelt illustrated greeting cards , to talk about what it really looks like to build a business that supports you today—not down the road, not after you hit this or that goal, but right now. From packing every order by hand to big-box retailers, Jess’s story is one of hard-won wisdom, practical mindset shifts, and the surprising ways having a business carried her through the hard times. It’s an inspiring and powerful reminder that entrepreneurship can be a beautiful, freeing, and life-giving journey when we use intentionality to build the business we want and need. Key Takeaways: Doing It Yourself Isn’t Always Cheaper: Jess realized she was the bottleneck in her business and nearly turned down $50k in revenue before outsourcing fulfillment. By delegating the logistics, she was able to focus on scaling and strategy, ultimately making more money while working less. Growing with Heart: Jess has grown her retail presence to over 550 stores and is now expanding into big-box retailers, while still staying connected to her brand’s roots in smaller stores and their communities. Building a Business That Supports You: She shares how her business sustained her after the loss of her husband, thanks to the systems and support she had built into it beforehand. Don’t Wait to Build the Business Right for Your Life: Create your business model to support you now—not “someday”—is the key to long-term success, sustainability, and joy. Topics Discussed: (00:41 – 08:08) Jess’s Entrepreneurial Journey (08:25 – 12:18) Understanding the Business Side of Things (12:19 – 14:12) Overcoming DIY Overwhelm by Hiring Help (14:13 – 14:25) Rate & Review Promo Break (14:40 – 16:15) Scaling Authentically & Embracing New Opportunities (16:27 – 18:15) Building a Sustainable Business Now (Not Later) Connect with Jess Walker & Five Dot Post: Website | Instagram | Book a Call with Kickstart Accounting, Inc.: Connect with Kickstart Accounting, Inc.: Instagram | YouTube | Facebook | /episode/index/show/entrepreneurmoneystories/id/36917655

12 Money Rules Every Successful CEO Follows to Build Profit and Wealth – Ep. 225 06/03/2025

12 Money Rules Every Successful CEO Follows to Build Profit and Wealth – Ep. 225 Let’s set the record straight: Revenue is not the goal. Profit is. If you’ve ever felt like you’re doing everything—chasing more sales, more clients, more offers—but still coming up short on cash and clarity, this episode is your permission slip to pause, stop worrying about sales numbers alone and start focusing on what generates profit. In today’s episode, Danielle Hayden, reformed corporate CFO and founder of Kickstart Accounting, Inc., dives into the 12 money truths that successful CEOs live by to grow smarter, more sustainable businesses not just bigger ones. Key Takeaways: Revenue ≠ Success: Profit is the real goal, not revenue. Chasing sales without watching expenses can leave your business cash-strapped and stressed. Focus on the bottom line. (01:16 – 02:42) Align Your Personal & Business Finances: Your personal finances impact your business. Owner’s draws and misaligned personal spending can drain your business's resources and future growth. (02:47 – 04:24) Money Goes Where Focus Flows: You don’t need 3-4 revenue streams. The most successful CEOs stick to one core offering and master it before expanding. (04:24 – 05:51) Filter Your Advice Wisely: We love our friends and family, but unless someone has real experience running a business, their advice may do more harm than good. (05:51 – 06:47) Listen to Your Numbers: Your financials are trying to tell you something. Learn to read and review them regularly to help you avoid repeat mistakes and make smarter, future-focused decisions. (06:48 – 07:43) More Money Isn't Always the Fix: More capital won’t fix a broken strategy. Think 2-3 times longer than you normally would before taking on debt or outside investors. (07:44 – 09:05) Spending is Investing: When aligned with your goals, every dollar spent should help your business grow or strengthen. (09:05 – 09:52) Permission to Say No: Saying yes to everything leads to burnout—successful CEOs protect their time and energy. (09:56 – 10:55) Emergency Funds are a Must: A “just in case” or rainy day fund can be the difference between panic and peace when the unexpected happens. You never know when a new opportunity will pop up! (10:56 – 11:52) Invest in Your Education: You don’t have to do it all, but you do need to understand your business’s financial health. (11:53 – 13:01) FOMO is a Distraction: This goes back to “money goes where focus flows”—stay grounded in your vision, not someone else’s highlight reel. (13:01 – 14:10) Money is a Game—Play It Smart: Use your financial statements as tools to track your growth, not just your income. (14:12 – 14:50) ⭐Bonus Rule: When things get uncomfortable, lean in further. Successful CEOs step outside their comfort zones, because they know that’s where the real growth happens. Resources: Kickstart Accounting’s CFO Services | Kickstart Accounting’s Tax Services | Book a Call with Kickstart Accounting, Inc.: Connect with Kickstart Accounting, Inc.: Instagram | YouTube | Facebook | /episode/index/show/entrepreneurmoneystories/id/36775055

5 CFO Secrets to Grow Your Business (Without Losing Your Mind) – Ep. 224 05/27/2025

5 CFO Secrets to Grow Your Business (Without Losing Your Mind) – Ep. 224 Are you chasing growth in your business but worried it might cost you your profits, sanity, or both? In this episode, Danielle Hayden, reformed corporate CFO and CEO of Kickstart Accounting, Inc., pulls back the curtain on the real strategies CFOs use to grow companies intentionally and profitably. These are the 5 CFO secrets you can and should start using today! Key Takeaways: Secret #1: Use Your Financial Reports as Decision-Making Tools - Your income statement, balance sheet, and cash flow statement aren't just paperwork, they're your roadmap to smart business decisions. Secret #2: Forecast for the Future, Not Just the Present - Strategic forecasting (including rolling and quarterly re-forecasts) helps you anticipate growth and plan for big investments like hiring or marketing. Secret #3: Align Spending with Your Goals - Every dollar you spend should support your vision. Focus on return-on-investment instead of random or feel-good expenses. Secret #4: Protect Your Profit - Set up multiple accounts, including a rainy-day fund, to safeguard your profit and prepare for future opportunities or challenges. Secret #5: Get Support from a Money Team - You don't have to be your own CFO. Surround yourself with financial pros who can guide you, hold you accountable, and cheer you on. Topics Discussed: Intro: The Risk of Growing on Hustle and Intuition Alone (00:00 – 02:00) CFO Secret 1: How to Use Your Financial Reports to Make Better Decisions (02:06 – 03:59) CFO Secret 2: Forecasting Strategies That Work (04:00 - 05:41) CFO Secret 3: Budgeting with Purpose - Aligning Your Spending & Goals (05:42 - 06:23) CFO Secret 4: Smart Savings Habits That Protect Profits (06:23 - 07:16) CFO Secret 5: Who You Need on Your Money Team (07:17 - 09:08) 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/36671025

How Your Future Break-Even Number Turns Big Business Decisions into Simple Math – Ep. 223 05/20/2025

How Your Future Break-Even Number Turns Big Business Decisions into Simple Math – Ep. 223 Before you hire, launch, or invest, there’s one number you need to know: your future break-even point. It’s more than a “boring” accounting term; it’s one of the most powerful tools you have in your toolkit as a business owner and CEO. In this episode, Danielle Hayden, reformed corporate CFO and CEO of Kickstart Accounting, Inc., flips the script on how entrepreneurs look at their break-even point by turning it from a financial checkmark into a forward-thinking strategy tool. She walks through how to use it as a launchpad for smarter decisions and puts you in control of your numbers. Key Takeaways: Break-Even as a Planning Tool: Knowing your break-even point helps you look forward, not backward, and make strategic choices with confidence. Know Your Break-Even Before Big Decisions: Calculate how your expenses will change first and then what new revenue you’ll need to cover them. Turn Your New Break-Even into Your Revenue Goal: Add a 10–15% profit margin to your break-even number to set a clear, sustainable monthly revenue target. Create a Margin of Safety: If you're not ready to make a leap, build savings in advance so you’re financially prepared to take on new expenses with confidence. Numbers Beat Guesswork Every Time: Ditch the gut-based decisions and use this method to plan investments without fear or uncertainty. Topics Discussed: What is Break-Even Point in Business & How to Use It (00:50 – 01:57) How to Calculate Your New Break-Even Number (01:58 – 04:41) Real World Example of Calculating a New Break-Even (04:41 - 06:08) Saving for an Investment & Margin of Safety (06:08 - 07:11) Using Break-Even to Plan Your Next Business Move (07:11 - 08:35) Related Episode: Ep. 222 | Book a Call with Kickstart Accounting, Inc.: Connect with Kickstart Accounting, Inc.: Instagram | YouTube | Facebook | /episode/index/show/entrepreneurmoneystories/id/36592900

From Burnout to Balance: Redefining Entrepreneurial Success Through Break-Even Analysis with Delanie Fischer of Self-Helpless Podcast – Ep. 222 05/13/2025

From Burnout to Balance: Redefining Entrepreneurial Success Through Break-Even Analysis with Delanie Fischer of Self-Helpless Podcast – Ep. 222 In this spirited and honest episode of Business by the Books, Danielle Hayden sits down with multi-talented entrepreneur, comedian, host of the popular podcast , and author of , , for a candid conversation about what sustainable creative entrepreneurship really looks like, and why knowing your break-even point may be the most powerful financial move you can make for your mindset. Whether you're scaling back, starting over, or simply craving more core value alignment in your business, this conversation offers you permission to slow down, get clear on your enough number, and redefine success on your terms by letting go of traditional success metrics. Key Takeaways: Redefining Entrepreneurial Success: Why Delanie made a conscious choice to step away from the ups and downs of fully self-employed income and instead build a business model that supports her core values and long-term vision. Seasonality & Self-Awareness: How embracing "sprint" periods and knowing when to pivot has helped Delanie sustain her creativity and entrepreneurial spirit. Financial Partnership in Marriage: Delanie opens up about the evolution of her financial relationship with her husband, from keeping money completely separate to managing a joint account with aligned goals. Letting Go of Control: Insights on building a money team that includes a financial advisor, CPA, and bookkeeper, and how accepting support and letting experts do what they do best has been a game changer. Break-Even Point Clarity – From Metrics to Meaning: Why Delanie no longer chases financial benchmarks for the sake of growth and instead focuses on a break-even number that allows for creativity, her lifestyle, core values, and purpose-driven work. Topics Discussed: Delanie’s Entrepreneurial Journey (00:29 – 06:14) How Delanie Manages the Ups and Downs of Entrepreneurship (06:14 – 11:49) Building a Business Model That Suits Your Lifestyle & Values (11:49 – 15:38) Please Rate & Review Break (15:39 - 15:56) Redefining Success in Entrepreneurship & Life (15:56 - 19:00) How Entrepreneurship Affects Delanie’s Personal Life (18:33 - 22:18) Working with a Financial Advisor and Building a Money Team (22:18 - 26:37) The Power of Break-Even Analysis (26:37 – 30:48) In Today’s Episode: Delanie’s Book: MockTales: 50+ Literary Mocktails Inspired by Classic Works, Banned Books, and More by Lindsey Smith & Delanie Fischer | Delanie’s Podcast: Self-Helpless | Book a Call with Kickstart Accounting, Inc.: Connect with Kickstart Accounting, Inc.: Instagram | YouTube | Facebook | /episode/index/show/entrepreneurmoneystories/id/36537700

Your Business Dashboard: 5 Must-Know Financial Numbers to Lead Like a CEO – Ep. 221 05/06/2025

Your Business Dashboard: 5 Must-Know Financial Numbers to Lead Like a CEO – Ep. 221 Psst…Your numbers are talking to you—are you listening? Here’s a reminder that business is emotional, and it's easy to fall into decision-making based on gut feelings. But when you know your numbers, you take back control. In this episode of Business by the Books, Danielle Hayden, reformed corporate CFO and CEO of Kickstart Accounting, Inc., dives into the 5 essential financial numbers every business owner needs to know. This isn't just about spreadsheets; it's about stepping into your power as a CEO, removing emotional guesswork, and building a healthy, sustainable business. 5 Key Metrics for Your Business: Know Your Rolling 12-Month Revenue: One month of income doesn't tell the full story, instead look at the full year to see growth trends and forecast with confidence. Track Rolling 12-Month Profit: Revenue may be impressive, but it’s your profit that reveals if you’re actually building a healthy business. Calculate Average Monthly Expenses: Knowing your baseline costs prepares you for the unexpected and helps you build a proper emergency fund. Monitor Average Monthly Profit: This is your opportunity fund—it’s what you use to pay yourself, invest back into your business, and plan for growth. Review Year-to-Date Owner’s Draws & Debt Payments: These aren’t reflected in profit but have a huge impact on your cash. Track them to know where your money really goes. ⭐ Pro Tip for Kickstart Clients: If you're already a Kickstart Accounting, Inc. client, your monthly KSA financial Snapshot includes all 5 of these key metrics—no digging required! Pull up your Snapshot and follow along with this episode! Topics Discussed: Why These 5 Essential Business Numbers Matter (00:28 – 03:32) The Power of a Rolling 12-Month View (01:49 - 05:13) The Truth About Profitability & Building a Financial Safety Net (05:13 – 06:26) Finding Out Where Your Cash Is Going (06:49 – 08:11) Book a Call with Kickstart Accounting, Inc.: Connect with Kickstart Accounting, Inc.: Instagram | YouTube | Facebook | /episode/index/show/entrepreneurmoneystories/id/36412995

Healthy Spending Habits: Business Budget Percentages That Fuel Sustainable Growth – Ep. 220 04/29/2025

Healthy Spending Habits: Business Budget Percentages That Fuel Sustainable Growth – Ep. 220 What if the secret to building your dream business isn’t about saving more, but about spending smarter? In this episode, Danielle Hayden, CEO and founder of Kickstart Accounting, Inc., invites you to stop feeling guilty every time you make an investment in your business. Instead, learn how to spend with clarity, purpose, and profit in mind. She walks you through the healthy spending percentages successful businesses use across categories like marketing, payroll, operations, and more to thrive. You’ll also get practical tools and reflection questions to help you make CEO-level money decisions that align with your short-term goals and long-term vision. Key Takeaways: Spending is Necessary for Growth: Healthy businesses spend money, and the key is doing it with intention and a clear plan. Your Mindset Matters: Guilt-free spending starts with shifting how you view expenses—from “costs” to “investments.” Budget by Business Season: Your business’s financial plan should match the stage you’re in: growth, maintenance, or development. Know Your Numbers & What’s Healthy: Breaking down your expenses into healthy percentage benchmarks can help you make informed decisions. You Get to Define Success: Don’t compare your business to others. Use your goals to determine where your money should go. Topics Discussed: The CEO Mindset Shift: Spending as a Growth Strategy (01:01 – 03:32) Understanding Your Business Season and What It Means for Your Budget (03:34 - 06:03) Healthy Percentage Benchmarks Breakdown (05:07 – 14:34) Using the Healthy Percentages Worksheet to Plan for the Future (14:40 – 16:53) Resources: KSA Healthy Percentages Worksheet | How to Build Your Team Series | CFO Services | Book a Call with Kickstart Accounting, Inc.: Connect with Kickstart Accounting, Inc.: Instagram | YouTube | Facebook | /episode/index/show/entrepreneurmoneystories/id/36338645

Business By The Books with Danielle Hayden

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