Mills Knows Bills

I started my financial journey Fall of 2014 when I found myself with only $1.50 to my name, so I understand the frustration around money mismanagement, struggling with where to start, and the courage it takes to take ownership of your finances. Now, I’m a financial coach, speaker, author, and the founder and owner of Mills Knows Bills where I have the opportunity to teach individuals and businesses how to manage and master their money within 90 days. On this podcast, I will teach you how to stop living paycheck to paycheck, how to pay off your debt twice as fast, and how to reach your financial goals. This podcast is meant to make managing your finances accessible.

The CFO Advantage: Key Benefits Explored 06/02/2025

Understanding Credit: Tips to Empower Businesses 05/26/2025

Understanding Credit: Tips to Empower Businesses Understanding Credit: Tips to Empower Businesses | The Mills Knows Bills Podcast Episode 55, Season 7 Link to video episode: https://youtu.be/EXOIT3XJg10 Welcome to Season 7 of The Mills Knows Bills Podcast! Host Mills Bender, founder and current CEO of MKB, discusses strategies for business owners and variable income earners to manage their finances effectively. In this season premier episode, Mills welcomes business credit expert Paul Childers of BlueSky Biz Solutions. With over three years in the business credit repair and building space, Paul shares invaluable insights on the importance of separating business credit from personal credit. They discuss real-life examples, common misconceptions, and practical tips on how to manage and leverage business credit effectively. Paul also shares some of his success stories, helping business owners navigate the complex world of financing and credit. Tune in to learn how to build robust business credit, improve personal finances, and make informed financial decisions! For more personalized advice, contact Paul through his social media or website:https://blueskybizpro.com/ Don't forget to subscribe for the latest podcast episodes and more from @mkbcfo Do you have your own financial questions for MKB? Please visit: Website: https://mkbcfo.com Instagram: https://www.instagram.com/mkb_cfo/ Facebook: https://www.facebook.com/mkbcfo LinkedIn: https://www.linkedin.com/company/mkbcfo 00:00 Welcome and Guest Introduction 00:26 Understanding Business Credit 02:01 Importance of Business Credit 04:10 Challenges with Banks and Business Credit 05:51 Asking the Right Questions 08:00 Resources for Business Owners 09:53 Paul's Journey into Business Credit 13:27 Working with Blue Collar Industries 17:42 The Impact of Business Credit on Personal Finances 18:24 Common Misconceptions About Business Credit 20:11 The Truth About Personal Guarantees 22:17 How We Help Businesses Navigate Credit Challenges 28:04 Success Stories: Real Business Transformations 32:23 How to Reach Out for Help #millsknowsbills #mkb #financialpodcast #businessfinance #entrepreneurialfinance #businessowner #businesscredit #personalcredit #debtmanagement /episode/index/show/millsknowsbills/id/36598915

Level Up Your Business Game: The Best of Season 6 05/19/2025

The ROI of Sharing Knowledge: The Best of Season 5 05/12/2025

From Financial Challenges to Business Growth 05/05/2025

From Financial Challenges to Business Growth Unlock Potential: From Financial Challenges to Business Growth | The Mills Knows Bills Podcast Episode 52 Link to video podcast episode: https://youtu.be/nTxzF6P_tYc Welcome to Season 6 of The MKB Podcast! Host Mills Bender, founder and CEO of Mills Knows Bills, discusses strategies for business owners and variable income earners to manage their finances effectively. Let's get to those burning financial questions! Join Mills for part two of an insightful conversation with Dan Workman of Identity Graphx. In this episode, they dive deep into the crucial topic of cash flow management, discussing common financial challenges faced by blue-collar and white-collar business owners alike. Learn proactive strategies for maintaining cash flow, leveraging debt wisely, and preparing for seasonal fluctuations. Dan also shares his personal journey into financial planning and offers valuable advice for business owners at various stages. Don't miss the chance to enhance your financial acumen and make more strategic operational decisions. To connect with Dan: [email protected] Do you have your own burning financial question for Mills or the MKB team? Email: [email protected] Website: https://MillsKnowsBills.com Instagram: https://instagram.com/@millsknowsbills LinkedIn: https://www.linkedin.com/company/mills-knows-bills Subscribe on YouTube for the latest podcast episodes and more from MKB @mkbcfo 00:00 Welcome Back to The Mills Knows Bills Podcast 00:53 Understanding Cash Flow Challenges 03:10 Strategic Financial Planning for Seasonal Businesses 06:34 Overcoming Limiting Beliefs About Debt 12:14 The Journey to Becoming a Fractional CFO 16:47 Balancing Business Growth and Family Life 21:50 Advice for New Business Owners 25:58 Closing Remarks and Next Steps #millsknowsbills #financialpodcast #businessfinance #entrepreneurialfinance #businessowner #fractionalcfo #businessgrowth #cashflow #seasonalbusiness #debtmanagement /episode/index/show/millsknowsbills/id/36409215

Wrapping Up Success: Passion & Profit in Automotive 04/28/2025

Wrapping Up Success: Passion & Profit in Automotive Wrapping Up Success: Passion & Profit in Automotive | The Mills Knows Bills Podcast Episode 51, Season 6 Link to video podcast episode: https://youtu.be/9yLozliZQDc Welcome to Season 6 of The MKB Podcast! Host Mills Bender, founder and CEO of Mills Knows Bills, discusses strategies for business owners and variable income earners to manage their finances effectively. Let's get to those burning financial questions! In this episode, Mills speaks with Dan Workman, a successful entrepreneur and CEO of Identity Graphx. Dan shares his journey from starting his first business at 12 years old to running a thriving vehicle wrap company. Dan explains the immense value of vehicle wraps in business marketing, citing data on their cost-efficiency and effectiveness in building brand recognition. He also discusses his collaborations in founding Wrap Shop Academy, a program designed to help other entrepreneurs succeed in the vehicle wrap industry. This episode is a must-watch for any business owner considering vehicle wraps as part of their marketing strategy, or looking to dive into the vehicle wrap business themselves. To connect with Dan: [email protected] Do you have your own burning financial question for Mills or the MKB team? Email: [email protected] Website: https://MillsKnowsBills.com Instagram: https://instagram.com/@millsknowsbills LinkedIn: https://www.linkedin.com/company/mills-knows-bills Subscribe on YouTube for the latest podcast episodes and more from MKB ⁨@MillsKnowsBills⁩ 00:00 Introduction and Guest Welcome 01:12 Dan's Entrepreneurial Journey Begins 04:16 From Window Washing to Vehicle Wraps 07:13 The Impact of Vehicle Wraps on Business 14:04 Challenges and Growth in the Wrap Business 25:20 Wrap Shop Academy and Future Plans 31:51 Conclusion and Contact Information #millsknowsbills #financialpodcast #businessfinance #entrepreneurialfinance #businessowner #carwrap #vehiclewrap /episode/index/show/millsknowsbills/id/36314215

Baby Business: Growing a Company and a Family 04/21/2025

Constructing Success 04/14/2025

Constructing Success Constructing Success: From Hobby to Thriving Business | The Mills Knows Bills Podcast Episode 49, Season 6 Link to video podcast episode: https://youtu.be/092kpLwu7Xk Welcome to Season 6 of The MKB Podcast! Host Mills Bender, founder and CEO of Mills Knows Bills, discusses strategies for business owners and variable income earners to manage their finances effectively. Let's get to those burning financial questions! In this insightful episode, Mills is joined by friend and successful entrepreneur Trent Meyer. They delve into Trent's journey from an unexpected start in marine construction to scaling a thriving engineering and permitting company in the Florida Keys. Trent shares the pivotal moments and strategies that contributed to his business growth, offering valuable insights on hiring, training, leveraging technology, and maximizing impact with minimal effort. Whether you're starting or scaling your business, Trent's story and practical tips are sure to inspire. Don't miss out as they explore how simple, yet effective steps can lead to immense growth. Stay tuned for part two next week! To connect with Trent: https://www.instagram.com/trentmeyer727 https://www.facebook.com/MeYeR986 Do you have your own burning financial question for Mills or the MKB team? Email: [email protected] Website: https://MillsKnowsBills.com Instagram: https://instagram.com/@millsknowsbills LinkedIn: https://www.linkedin.com/company/mills-knows-bills Subscribe for the latest podcast episodes and more from MKB on YouTube ⁨@MillsKnowsBills⁩ 00:00 Introduction and Guest Welcome 00:44 Trent's Background and Business Journey 03:00 Challenges and Growth in Marine Construction 08:33 Scaling the Business and Implementing Systems 11:16 Hiring and Delegation Strategies 20:30 The Reality of Island Living 21:04 Training Challenges and Solutions 22:17 Updating and Improving SOPs 23:44 The Importance of Stepping Back 26:09 Replacing Yourself in Business 29:36 Starting a Business from Scratch 33:10 High Leverage Opportunities 36:46 Wrapping Up and Contact Information #millsknowsbills #financialpodcast #businessfinance #entrepreneurialfinance #buisnessowner #marineconstruction /episode/index/show/millsknowsbills/id/36128555

A Fractional CFO's Journey 04/07/2025

Building to Sell: Business Brokerage and Alternative Investments 03/31/2025

Building to Sell: Business Brokerage and Alternative Investments Building to Sell: Business Brokerage & Alternative Investments | The Mills Knows Bills Podcast EP 47, Season 6 Link to video podcast episode: Welcome to Season 6 of The MKB Podcast! Host Mills Bender, founder and CEO of Mills Knows Bills, discusses strategies for business owners and variable income earners to manage their finances effectively. Let's get to those burning financial questions! In this insightful episode, Mills dives deep into the world of business brokerage and alternative investments with special guest, Carey Sobel from Boss Group International. They discuss the emotional process of selling a business, the importance of having a growth and exit strategy, and how Coastal Investment Company provides unique alternative investment opportunities tailored for business owners looking to maximize their returns. Whether you're a business owner aiming to exit or an accredited investor interested in alternative assets, this episode is packed with valuable insights to help you master your financial journey. To connect with Carey: [email protected] (Boss Group International) [email protected] (Coastal Investments) Do you have your own burning financial question for Mills or the MKB team? Email: Website: Instagram: LinkedIn: Subscribe for the latest podcast episodes and more from MKB on YouTube @MillsKnowsBills 00:00 Introduction to Mills Knows Bills 00:58 Meet Carey: A Special Guest 01:54 Carey's Background and Career 05:05 Understanding Business Brokerage and M&A 09:39 Challenges and Strategies for Business Owners 13:45 The Importance of Financial Planning 20:14 Diverse Business Ventures and Lessons Learned 22:18 Realizing the Passion for Helping Others Exit Businesses 23:20 The Emotional Process of Selling a Business 24:06 The Importance of Education and Negotiation in Business Sales 25:17 The Role of Business Brokers and Financial Institutions 27:47 Advice for Business Owners on Financials, Operations, and Marketing 35:32 The Value of Diversified Investments and Coastal's Approach 45:37 Conclusion and Contact Information #millsknowsbills #businessfinance #entrepreneurialfinance #businessbrokerage #alternativeinvestments #businesssales /episode/index/show/millsknowsbills/id/35917590

Scaling Smarter: Balancing Business & Family 03/24/2025

Overcome Hiring Hurdles: Recruitment & Staffing Solutions 03/17/2025

Family and Finance: Finding Balance as a Business Owner 03/10/2025

Demystifying Taxes: Insights for Business Owners 03/03/2025

Demystifying Taxes: Insights for Business Owners Demystifying Taxes: Insights for Business Owners | The Mills Knows Bills Podcast Episode 43, Season 5 Link to video podcast episode: Welcome to Season 5 of The MKB Podcast! Host Mills Bender, founder and CEO of Mills Knows Bills, discusses strategies for business owners and variable income earners to manage their finances effectively. Let's get to those burning financial questions! In this episode, Mills is joined by tax strategists Drew Clukey and Tyler Tebault of Clukey & Tebault to discuss crucial topics around tax planning and strategies for business owners. They explore the importance of proactive tax planning, differentiate between accountants and tax strategists, and debunk common tax myths. The guests also share personal anecdotes from their careers, provide advice for new business owners, and highlight the value of consistent communication with your tax professional. This episode is packed with expert insights to help you navigate your taxes more effectively and avoid common pitfalls. To connect with Tyler and Drew: Website: Tel: (904) 679-3119 Email: [email protected] Do you have your own burning financial question for Mills or the MKB team? Email: Website: Instagram: LinkedIn: Subscribe on YouTube for the latest from MKB @MillsKnowsBills 00:00 Introduction to Mills Knows Bills 00:53 Meet the Guests: Drew and Tyler 02:12 Nationwide Services and Common Tax Myths 02:55 Social Media Tax Advice: Myths and Realities 06:51 The Importance of Tax Planning 13:52 Understanding Tax Strategies vs. Accounting 17:29 Common Tax Questions and Misconceptions 22:49 Debunking the Myth: Is It Too Late to Establish an LLC? 23:19 S Corp vs. Other Business Structures: What You Need to Know 24:18 Common Misconceptions About Business Taxes 24:59 The Importance of Consistent Communication with Your CPA 26:05 Why Business Owners Hesitate to Reach Out to Their Accountants 28:14 Favorite Industries and Clients: A CPA's Perspective 31:13 Building Strong Client Relationships 36:11 Handling Tax Questions and Common Pitfalls 37:53 Biggest Challenges and Success Stories 41:52 Innovative Tools and Team Collaboration 43:30 Final Thoughts and Contact Information #millsknowsbills #financialpodcast #mkb #podcast #businesstaxes #businessowner #entrepreneurfinances #variableincome /episode/index/show/millsknowsbills/id/35515570

Finance Meets Fun: Awkward Queries and Financial Wisdom | The MKB Podcast Episode 42 02/24/2025

Mastering Social Media for Business Growth 02/17/2025

Mastering Social Media for Business Growth Mastering Social Media for Business Growth | The Mills Knows Bills Podcast Episode 41, Season 5 Welcome to Season 5 of The MKB Podcast! Host Mills Bender, founder and CEO of Mills Knows Bills, discusses strategies for business owners and variable income earners to manage their finances effectively. Let's get to those burning financial questions! In this episode, Mills Bender, is joined by Chloe Peña, CEO and founder of Day of Socials (and Mills' own social media strategist). They discuss essential strategies for managing fluctuating incomes, improving personal and professional finances, and the importance of consistency in marketing, all with a focus on a social media presence. Chloe shares her thoughts on creating impactful social media content, the significance of showing up authentically, and offers practical advice for business owners looking to elevate their marketing strategies. Tune in to learn how to master your money and get Chloe's valuable insight into optimizing your social media presence for long-term success! To connect with Chloe: Do you have your own burning financial question for Mills or the MKB team? Email: Website: Instagram: LinkedIn: Subscribe on YouTube for the latest podcast episodes and more from MKB @MillsKnowsBills 00:00 Introduction to Mills Knows Bills 01:32 Meet Chloe Peña The Marketing Guru 03:24 The Heart of Day of Socials 04:58 The Reality of Social Media Virality 07:21 Consistency Over Virality 11:16 Authenticity in Social Media 14:30 Fun and Personality in Content Creation 16:36 The Mission Behind Day of Socials 18:25 The Art of Content Creation 19:28 Spicy Lip Gloss and Team Bonding 19:55 Future Plans for DOS 21:39 Marketing Strategies and Business Growth 23:36 Reel Ideas for Different Industries 28:41 Overcoming Imposter Syndrome 31:25 Getting Out of Your Own Head 38:26 Contact Information and Conclusion #financialpodcast #millsknowsbills #podcast #entrepreneurialfinance #variableincome #socialmediamarketing #socialmediastrategy /episode/index/show/millsknowsbills/id/35315955

Strategic Financing: Essential Tips 02/10/2025

Commercial Lending: Smart Borrowing for Business Growth 02/04/2025

From Cashflow to Marketing: Crucial Financial Metrics 01/27/2025

Commercial Insurance: Protecting Your Business 01/20/2025

Commercial Insurance: Protecting Your Business Commercial Insurance: Protecting Your Business Legacy With Engaging Tips from an Insurance Specialist | The Mills Knows Bills Podcast Episode 37, Season 5 Link to video podcast episode: Welcome to Season 5 of The MKB Podcast! Host Mills Bender, founder and CEO of Mills Knows Bills, discusses strategies for business owners and variable income earners to manage their finances effectively. Let's get to those burning financial questions! In this season premier episode, Mills welcomes Jeff Rountree, an expert in commercial insurance, to discuss the importance of insurance for business owners. They dive deep into the significant role that insurance plays in protecting businesses, especially those with variable incomes, and how it helps to mitigate risks. Jeff shares his extensive experience and explains various types of insurance coverages, including Employment Practices Liability Insurance (EPLI) and the innovative concept of Captive Insurance. The episode also covers practical advice for business owners on when to review insurance policies, how to handle new hires, and the considerable advantages of being proactive about insurance. With an engaging discussion and useful tips, this podcast is a must-listen for any business owner looking to safeguard their financial future. To connect with Jeff: Website: Office phone: 904.539.4637 Do you have your own burning financial question for Mills or the MKB team? Email: Website: Instagram: LinkedIn: Subscribe to our YouTube channel for the latest from The Mills Knows Bills Podcast and MKB: 00:00 Introduction to The Mills Knows Bills Podcast 01:04 Season Kickoff and New Format 01:34 Guest Introduction: Jeff Rountree 01:53 Jeff's Journey into Insurance 04:47 Understanding Business Insurance 06:42 Common Insurance Mistakes 10:39 Advice for Business Owners 28:52 Captive Insurance Explained 34:51 Contact Information and Conclusion #financialpodcast #millsknowsbills #podcast #entrepreneurfinances #variableincome #insurance #commercialinsurance #businessinsurance /episode/index/show/millsknowsbills/id/34925730