The Financial Operator
I’ve spent over a decade in finance and operations, including seven years as an Operational CFO helping businesses through everything from growth to Chapter 11 bankruptcy. I’ve owned, scaled, and sold my own company, so I understand firsthand the pressure, risk, and grit it takes to be a business owner. Now, as CEO of MKB, I help entrepreneurs get clear on their numbers so they can scale with confidence and stop feeling stuck in the chaos. On this podcast, I sit down with real business owners to talk about the financial challenges they’ve faced, and the strategies that got them through. From cash flow stress to hiring decisions and growth setbacks, nothing’s off the table. The Financial Operator is here to make finance feel doable, empowering, and dare I say—exciting.
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Success Without Fulfillment Is a Dangerous Trap | The Financial Operator Podcast | Episode 79
03/16/2026
Success Without Fulfillment Is a Dangerous Trap | The Financial Operator Podcast | Episode 79
What if the problem isn’t that you’re not capable… but that you’re not even close to your full potential? In this episode of The Financial Operator: Cash In, Chaos Out, Jen sits down with Alan Lazaros of Next Level University for a bold, honest conversation about personal growth, work ethic, money, fulfillment, and what it really takes to build a meaningful life. Alan shares the story of how a life-changing car accident at 26 forced him to question everything, despite outward success, a high income, and the “right” path on paper. From there, the conversation opens up into a bigger discussion around potential, discipline, finance, generational wealth, and why so many people are chasing outcomes they haven’t built the habits to sustain. In this episode, we cover: • Why external success doesn’t always equal internal fulfillment • How adversity shaped Alan’s mindset and work ethic • Why finance should be taught as a life skill • The danger of comparing your real life to curated success online • Why most people avoid money until it becomes a crisis • What health, wealth, and love have to do with real fulfillment • Why level 10 results never come from level 2 effort • The truth about discipline, growth, and long-term success If you’re a business owner, high achiever, or someone who knows you’re capable of more but feels stuck between comfort and calling, this conversation will challenge you in all the right ways. Watch now for a direct, unfiltered conversation on growth, responsibility, and building a next-level life. ⏱️Timestamps 00:00 Introduction & Meet Alan Lazaros 00:47 The Car Accident That Changed Everything 03:43 The Internal Shift That Happened First 04:20 Success Without Fulfillment 07:43 Why Alan Started His Mission 09:03 Why Finance Should Be Taught in School 11:10 The Emotional Weight of Money 13:49 Why More Money Isn’t Always the Answer 16:49 Health, Wealth, and Love Explained 21:44 Why True Success Is So Rare 23:24 The Problem with the 4-Hour Workweek Mindset 25:17 Social Media, Generational Wealth, and False Comparisons 29:53 Why Struggle Builds Character 33:03 Level 10 Results Require Level 10 Effort 37:27 How to Connect with Alan & Next Level University To connect with Alan Lazaros: LinkedIn: https://www.linkedin.com/in/alanlazarosllc Website: https://www.nextleveluniverse.com/ Don’t forget to subscribe for the latest podcast episodes and insights from @mkbcfo Do you have your own financial or business growth questions for MKB? 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 #PersonalDevelopment #MindsetMatters #EntrepreneurMindset #WorkEthic #FinancialGrowth #SelfImprovement #NextLevelUniversity #BusinessGrowth #SuccessMindset #TheFinancialOperator
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Scaling from $1M to $10M: What No One Tells You
03/02/2026
Scaling from $1M to $10M: What No One Tells You
Scaling from $1M to $10M: What No One Tells You | The Financial Operator Podcast | Episode 78 What really happens when a firm scales from $1M to tens of millions? In this episode of The Financial Operator: Cash In, Chaos Out, Jen sits down with Christy Hamilton, Partner & COO of Carey & Co, to talk about what scaling actually looks like behind the scenes, personally and operationally. Christy has helped lead Carey & Co through rapid growth, private equity investment, multiple transactions, and expansion from a small internal team to hundreds of employees serving nonprofits nationwide. This conversation dives into: • What changes when you scale from $1M to $10M+ • How leadership roles evolve as organizations grow • Why HR becomes critical (even when it feels like overhead) • The difference between being a generalist vs. a specialist • Why authority doesn’t always grow with responsibility • Decision fatigue and scaling pressure • How KPIs create accountability, even for solo founders • Why growth isn’t always the right goal If you’re building a firm, running a nonprofit, or wondering whether scaling is worth it. This episode offers an honest look at the tradeoffs, the identity shifts, and the resilience required to grow well. Watch now for a candid conversation on growth, leadership, and redefining success. ⏱️Timestamps 00:00 Introduction & Meet Christy Hamilton 01:00 Inside Carey & Co & the Nonprofit Sector 02:40 Growing from $1M to Multi-Millions 04:30 How Leadership Must Evolve as You Scale 06:40 Why HR Becomes Non-Negotiable 08:00 Generalists vs. Specialists in Growing Firms 10:00 Letting Go of Control 12:30 Organizational DNA & Culture 16:00 KPIs, Metrics & Accountability 19:00 Scaling Pressure vs. Lifestyle Design 23:00 Decision Fatigue & Authority Gaps 26:00 When Growth Isn’t the Right Goal 29:00 Resilience & Reinventing Yourself 31:00 How to Connect with Christy To connect with Christy Hamilton: LinkedIn: https://www.linkedin.com/in/christy-hamilton-54941520 Don’t forget to subscribe for the latest podcast episodes and insights from @mkbcfo Do you have your own financial or business growth questions for MKB? 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 #NonprofitLeadership #BusinessScaling #FractionalCFO #OperationsLeadership #WomenInBusiness #PrivateEquity #EntrepreneurJourney #LeadershipGrowth #BusinessStrategy #TheFinancialOperator
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Smart Capital vs. Dumb Capital: What Founders Must Know
02/16/2026
Smart Capital vs. Dumb Capital: What Founders Must Know
Smart Capital vs. Dumb Capital: What Founders Must Know | The Financial Operator Podcast | Episode 77 What separates businesses that stay small… from the ones that scale 10X? In this episode of The Financial Operator: Cash In, Chaos Out, Jen sits down with Steve Walsh, founder of Bison Equity Group, to talk about scaling, smart capital, cash flow, and the mindset shift entrepreneurs must make to grow beyond $2–3M in revenue. Steve shares how he went from teenage motorcycle mechanic and CPA to private equity investor, and why he believes small businesses stay small because of the entrepreneur, not the opportunity. This conversation dives into: • Why most companies stall at $2–3M • The difference between “smart capital” and “dumb capital” • Why recurring revenue changes everything • Revenue streams entrepreneurs are accidentally leaving on the table • Why marketing, not product, is often the cash flow bottleneck • The visionary vs. implementer dynamic inside growing companies • Why shiny object syndrome kills scale • Why funding without a plan creates bigger problems If you’re building a company and wondering how to break through your current ceiling. This episode is a masterclass in thinking bigger, executing smarter, and building something sellable. Watch now and learn what it takes to make the 10X leap. ⏱️Timestamps 00:00 Introduction & The Bison Mindset 01:29 Steve’s Path from CPA to Private Equity 04:18 Why Businesses Stay Small 06:00 Creating Multiple Revenue Streams 07:29 Knowing Your Customer & Emotional Marketing 11:49 Recurring Revenue & Cash Flow Strategy 15:37 Premium Products vs. Commodity Pricing 20:25 Financial Red Flags Investors Look For 23:49 How to Test Marketing Effectively 26:14 Visionary vs. Implementer Roles 29:59 Avoiding Shiny Object Syndrome 31:59 Why Capital Doesn’t Fix a Broken Plan 34:13 Inside “Make the 10X Leap” 36:18 What Smart Capital Really Brings 37:58 What Makes a Business Attractive to Investors 39:01 How to Connect with Steve Walsh To connect with Steve Walsh: Website: https://bisonequitygroup.com/ Don’t forget to subscribe for the latest podcast episodes and insights from @mkbcfo Do you have your own financial or business growth questions for MKB? 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 #PrivateEquity #BusinessScaling #EntrepreneurMindset #CashFlowStrategy #RecurringRevenue #SmartCapital #BusinessGrowth #FounderJourney #10XGrowth #TheFinancialOperator
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What Happens When a Startup Runs Out of Money
02/02/2026
What Happens When a Startup Runs Out of Money
What Happens When a Startup Runs Out of Money | The Financial Operator Podcast | Episode 76 What happens when you do everything right, and still run out of money? In this episode of The Financial Operator: Cash In, Chaos Out, Jen sits down with Andrew Ackerman, Head of REACH Labs at Second Century Ventures, to unpack the realities of startups, fundraising, and what actually separates the companies that survive from the ones that quietly disappear. Andrew shares his firsthand story of building a startup that was gaining traction until a single world-changing event erased a signed term sheet overnight. From there, the conversation expands into what founders really need to understand about capital, leverage, timing, and decision-making. This episode covers: • What to do when funding disappears at the worst possible moment • Why “just take the money” is often the smartest early decision • The difference between venture-backed startups and traditional businesses • When fundraising should (and should not) be your full-time job • Why testing ideas cheaply beats building the wrong thing perfectly • The traits Andrew sees consistently in founders who succeed • How to find the one clear message that makes customers stop and listen If you’re building a startup, considering raising capital, or trying to decide whether growth should be funded or earned, this conversation will give you clarity without hype. Watch now for a grounded, real-world look at startups, money, and making better decisions earlier. ⏱️ Timestamps 00:00 Introduction & Guest Welcome 00:26 The Moment Andrew’s Startup Ran Out of Money 02:10 Why Early Funding Can Disappear Overnight 03:20 “Just Take the Money”: Lessons on Leverage 04:18 Which Businesses Should (and Shouldn’t) Raise Venture Capital 06:57 Equity, SAFEs, and Convertible Notes Explained 08:37 When Founders Should Start Fundraising 11:47 Andrew’s Path From Founder to Investor 16:14 Inside Accelerators and Early-Stage Investing 20:16 The Traits Andrew Sees in Successful Founders 25:32 Why Stories Teach Better Than How-To Guides 28:52 Testing Ideas Before Spending Real Money 33:39 Renting vs. Buying in the Early Stages 36:18 Finding the One Message That Stops Customers 45:03 Final Advice for Founders 49:00 Andrew’s Book & Where to Find Him To connect with Andrew Ackerman's website: Buy "The Entrepeneur's Odyssey" here: Don’t forget to subscribe for the latest podcast episodes and insights from @mkbcfo Do you have your own financial or business growth questions for MKB? 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 #StartupLife #VentureCapital #Entrepreneurship #FounderJourney #StartupFunding #BusinessGrowth #RiskManagement #CashFlow #Innovation #TheFinancialOperator
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Why Entrepreneurs Burn Out, and How to Think Differently About Stress
01/19/2026
Why Entrepreneurs Burn Out, and How to Think Differently About Stress
Why Entrepreneurs Burn Out, and How to Think Differently About Stress | The Financial Operator Podcast | Episode 75 What if stress isn’t the problem, but the story you’re telling yourself about it is? This is Part 2 of Jen’s conversation with Suzanne Boehs of Kool Foam LLC, and it goes even deeper. In this episode of The Financial Operator: Cash In, Chaos Out, Jen and Suzanne continue their candid, unscripted discussion about stress, entrepreneurship, partnership, and the mental side of building a business that lasts. This isn’t a tactical episode about spreadsheets or KPIs. It’s about the human side of business. How entrepreneurs and their partners navigate pressure, comparison, decision-making, and long seasons of growth without burning out. In Part 2, Suzanne shares insights from 18 years in business, including: Why stress comes from every angle, and what you can control How fueling your body affects decision-making and emotional regulation The danger of comparison culture and social media highlight reels Why fast decisions still require intention How past failures create resistance to future growth Reframing stress as adventure instead of dread Why meaning matters just as much as money If you’re building a business, supporting an entrepreneur, or feeling overwhelmed by the weight of “doing it right,” this episode offers perspective, grounding, and clarity. 🎧 Watch Part 2 now and continue the conversation on stress, success, and sustainability. ⏱️ Timestamps 00:00 Welcome Back & Why This Conversation Matters 02:13 The Reality of Stress in Entrepreneurial Households 05:36 Fueling Your Body to Reduce Stress and React Better 09:04 Comparison Culture, Social Media, and Unrealistic Expectations 12:49 18 Years in Business: Why You Can’t Compare Journeys 16:18 Fast Decisions vs. Intentional Decisions 20:15 Revenue Goals, Meaning, and Motivation 24:26 Why Money and Fulfillment Must Co-Exist 28:57 Stress vs. Adventure: Changing the Narrative 34:55 Supporting Each Other Through the Hard Days 43:16 Final Thoughts & How to Connect with Suzanne Boehs To connect with Suzanne Boehs & Kool Foam LLC.: 🌐 Website: 📌 Don’t forget to subscribe for the latest podcast episodes and insights from @mkbcfo Do you have your own financial or business growth questions for MKB? Visit: 🌎 Website: 📸 Instagram: 📘 Facebook: �� LinkedIn: #EntrepreneurMindset #BusinessOwnerLife #StressManagement #BehindTheBusiness #WomenInBusiness #FamilyBusiness #MentalFitness #EntrepreneurJourney #KoolFoam #TheFinancialOperator
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From CPA to Business Owner: Lessons You Only Learn the Hard Way
01/05/2026
From CPA to Business Owner: Lessons You Only Learn the Hard Way
From CPA to Business Owner: Lessons You Only Learn the Hard Way | The Financial Operator Podcast | Episode 74 What does it really take to build a sustainable business—and stay sane while doing it? In this episode of The Financial Operator: Cash In, Chaos Out, Jen sits down with Samantha Besnoff, CPA and founder of Your Financial Maven, for a candid, practical conversation every business owner needs to hear. With over 30 years in accounting and more than a decade running her own firm, Samantha shares the real lessons that don’t show up in spreadsheets, how long success actually takes, why boundaries matter more than hustle, and how understanding your numbers protects both your business and your sanity. In this episode, we cover: What it really looks like to leave a stable job and start your own firm Why most small businesses struggle in the first 2–3 years Setting boundaries with clients (and why it’s not optional) Pricing, retainers, and getting paid before the work is done When—and how—to fire clients without blowing up your cash flow What business owners need to know heading into tax season The biggest bookkeeping and tax mistakes Samantha sees over and over This conversation is a must-watch for: ✔ Small business owners ✔ Service providers & consultants ✔ Anyone tired of guessing with their finances If you want fewer surprises, better cash flow, and a business that actually supports your life, this episode delivers. ⏱️ Timestamps 00:00 Introduction & Guest Welcome 02:49 Samantha’s Journey Into Entrepreneurship 07:15 Why the First 2–3 Years Are the Hardest 10:07 Getting Paid, Pricing Right, and Setting Boundaries 15:04 When (and How) to Fire Clients 20:02 Major Tax Changes Business Owners Should Know 26:50 Filing Deadlines, Extensions, and Tax Season Reality 34:45 What Business Owners Actually Need for Their Taxes 41:15 Who Samantha Works With & How to Get Started 44:37 Final Thoughts & How to Connect To connect with Samantha M. Besnoff, CPA & Your Financial Maven: 🌐 Website: 📌 Don’t forget to subscribe for the latest podcast episodes and insights from @mkbcfo Do you have your own financial or business growth questions for MKB? Visit: 🌎 Website: 📸 Instagram: 📘 Facebook: 💼 LinkedIn: #SmallBusinessOwner #Entrepreneurship #FinancialClarity #TaxTips #CashFlowManagement #BusinessFinance #WomenInBusiness #CPAAdvice #FractionalCFO #TheFinancialOperator
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The Side of Business No One Talks About (Spouses, Stress & Survival)
12/22/2025
The Side of Business No One Talks About (Spouses, Stress & Survival)
The Side of Business No One Talks About (Spouses, Stress & Survival) | The Financial Operator Podcast | Episode 73 What happens behind the scenes of a business when the owner is hanging on by a thread? In this episode of The Financial Operator: Cash In, Chaos Out, Jen sits down with Suzanne Boehs, co-owner of Kool Foam and the often-unseen force behind nearly two decades of entrepreneurship. After hearing Cory’s side of the story in a previous episode, this conversation explores the other half of the equation—the spouse, supporter, “momager,” and margin-maker who keeps the business (and the family) standing. Suzanne shares what it was really like to: • Start a business with two babies and zero experience • Support a company through near-bankruptcy and emotional burnout • Separate money from self-worth • Create emotional margin when everything feels urgent • Know when to cheerlead—and when to bring logic to the table • Support not one, but two business owners (her husband and her daughter) This episode is a must-watch for: ✔ Business owners navigating pressure and uncertainty ✔ Spouses and partners carrying the emotional weight ✔ Anyone who’s ever thought, “We’re working nonstop, why does this still feel so fragile?” The core takeaway: Support roles matter. Margin matters. And clarity changes everything. Watch now to hear the side of entrepreneurship that rarely gets airtime, but changes outcomes. Timestamps 00:00 Introduction & Why This Conversation Matters 02:49 Starting Kool Foam with Babies, Chaos, and No Experience 05:58 What Startup Life Really Looked Like 10:07 The Emotional Role of Supporting a Business Owner 13:41 Discovering Financial Clarity with a Fractional CFO 17:31 Emotional Attachment to Money (and How It Holds You Back) 22:25 From Bankruptcy Fear to Clear Direction 26:50 Hiring, Growth, and Removing the Owner as the Bottleneck 33:17 Rediscovering Confidence and Joy in the Business 51:11 Final Thoughts & How to Connect with Suzanne Boehs To connect with Suzanne Boehs & Kool Foam LLC.: 🌐 Website: https://www.koolfoamllc.com/ 📌 Don’t forget to subscribe for the latest podcast episodes and insights from @mkbcfo Do you have your own financial or business growth questions for MKB? 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 #Entrepreneurship #BusinessOwnerLife #BehindTheBusiness #SpouseSupport #EmotionalMargin #WomenInBusiness #FamilyBusiness #FinancialClarity #FractionalCFO #TheFinancialOperator
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The Realities of Running a Creative Business (What No One Tells You)
12/08/2025
The Realities of Running a Creative Business (What No One Tells You)
The Realities of Running a Creative Business (What No One Tells You) | The Financial Operator Podcast | Episode 72 🎙️ In this episode of The Financial Operator Podcast, host Jen Fizer, CEO of MKB CFO, sits down with Jeff Price, Founder of Communications Advisory Service Inc., to break down what really happens behind the scenes of a creative service business. From unrealistic client expectations to emotional labor, pricing, boundaries, and the mental load of being a creative entrepreneur — this conversation is honest, relatable, and long overdue. Jeff shares the journey of building a growing AV and video production company, the mistakes that nearly burned him out, and how setting the right expectations can transform your business. He dives into why creatives struggle with saying no, how to protect your time, and why communication is the most important skill in any service business. 🎥💼 💡 Whether you’re a freelancer, agency owner, or service provider trying to scale without losing your sanity, this episode gives you a transparent look at the real challenges creative entrepreneurs face — and what it actually takes to run a business that thrives. ⏱️ Timestamps 00:00 Introduction and Guest Welcome 02:10 How Communications Advisory Service Inc. Started: From Side Work to Full-Time Media Business 06:45 The Hidden Emotional Labor of Creative Entrepreneurship 10:22 Why Expectations Are Everything: Setting Clients Up for Success 15:12 The Burnout Problem: When Creatives Try to Do Everything 20:20 Learning to Say No (and Why It Saves Your Business) 26:48 Communication, Boundaries, and the Client Relationship 31:15 The Reality of Scaling a Creative Business 36:50 Photographer vs. Videographer Expectations 40:15 Final Thoughts + How to Connect with Jeff To connect with Jeff Price & Communications Advisory Service Inc.: 🌐 Website: https://www.casav.com/ LinkedIn: 📌 Don’t forget to subscribe for the latest podcast episodes and insights from @mkbcfo Do you have your own financial or business growth questions for MKB? Visit: 🌎 Website: 📸 Instagram: 📘 Facebook: 💼 LinkedIn: #CreativeBusiness #Entrepreneurship #ServiceBusiness #ScalingABusiness #ClientManagement #BusinessGrowth #CreativeEntrepreneur #TheFinancialOperator #MKBPodcast #JenFizer #CFOAdvice #WomenInBusiness #SmallBusinessGrowth #CreativeAgencyLife #MKBcfo
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The Truth About Social Media Management for Growing Businesses
11/24/2025
The Truth About Social Media Management for Growing Businesses
The Truth About Social Media Management for Growing Businesses | The Financial Operator Podcast | Episode 71 🎙️ In this episode of The Financial Operator Podcast, host Jen Fizer, CEO of MKB CFO, sits down with Chloe Peña, Founder of Day of Socials, to reveal what business owners get wrong about social media and what it actually takes to grow with consistent, strategic content. Chloe breaks down how she built a nationwide content agency, why CEOs should stop doing their own marketing, and the systems her team uses to turn a few hours of filming into a full month of content. She also shares the truth behind B-roll marketing, why delegation is essential for real growth, and how business owners can stay in their zone of genius while still showing up online. 📱✨ 💡 Whether you’re overwhelmed by content, ready to outsource your marketing, or want to understand how social media management truly works behind the scenes, this episode gives you a transparent look at the strategies that help growing businesses scale sustainably. ⏱️ Timestamps 00:00 Introduction and Guest Welcome 01:20 How Day of Socials Started in the Event Space 04:15 Why CEOs Should Not Be Doing Their Own Social Media 08:42 B-Roll Content and Building Monthly Systems 13:10 Delegation, Burnout, and Staying in Your Zone of Genius 17:22 What Businesses Think They Need vs. What Actually Works 22:00 Content Days: Turning 2 Hours Into 30 Days of Marketing 26:49 Social Media for Product Businesses (Bakeries, Boutiques & More) 31:12 How to Reuse Content the Right Way 36:02 Event Packages: 2-Hour, 4-Hour, and 8-Hour Options 40:30 Travel, Client Workflows & Nationwide Projects 44:00 How to Connect with Chloe + Why Instagram Comes First 47:10 Final Thoughts: Why Delegating Social Media Helps You Scale To connect with Chloe: 📸 Instagram: https://www.instagram.com/dayofsocials 📌 Don’t forget to subscribe for the latest podcast episodes and insights from @mkbcfo Do you have your own financial or business growth questions for MKB? Visit: 🌎 Website: 📸 Instagram: 📘 Facebook: 💼 LinkedIn: #SocialMediaManagement #BusinessGrowth #Entrepreneurship #ScalingABusiness #ContentCreationTips #DelegationForCEOs #MarketingStrategy #SmallBusinessGrowth #TheFinancialOperator #MKBPodcast #JenFizer #CFOAdvice #WomenInBusiness #ContentAgency #SocialMediaStrategy #MKBcfo
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Breaking the $1 Million Barrier: How to Scale Your Service Business
11/10/2025
Breaking the $1 Million Barrier: How to Scale Your Service Business
Breaking the $1 Million Barrier: How to Scale Your Service Business | The Financial Operator Podcast | Episode 70 🎙️ In this episode of The Financial Operator Podcast, host Jen Fizer, CEO of MKB CFO, sits down with Bud Nye, Founder of Nye Technical Services, to talk about what really happens when you grow from a small family business into a multi-million-dollar operation. 🚀 Bud shares his journey from working alongside his dad in the trades to running two successful companies — covering the reality behind scaling fast, building the right team, and managing the cash flow chaos that comes with growth. He opens up about overcoming analysis paralysis, learning to lead, and what it takes to move from owner mindset to scale mindset. 💼 💡 Whether you’re breaking your first million or looking to push beyond it, this episode gives a transparent look at the challenges and mindset shifts every business owner needs to grow sustainably. ⏱️ Timestamps 00:00 Introduction and Guest Welcome 02:00 From Family Business to Building His Own Legacy 08:00 Taking Fast Action and Learning Through Execution 14:00 Growing Pains: Breaking Past the $1M Plateau 18:00 Cash Flow Challenges and Progress Payments 24:00 The Reality of Collections and Revenue Timing 27:00 Mental Health, Coaching, and Leadership Growth 31:00 Building a Legacy: Training and Giving Back 34:00 Lessons on Scaling, Leadership, and Finding Balance 39:00 Final Thoughts and How to Connect with Bud To connect with Bud: 🌐 Website: https://nyetechnicalservices.com/ 📌 Don’t forget to subscribe for the latest podcast episodes and insights from @mkbcfo Do you have your own financial or business growth questions for MKB? Visit: 🌎 Website: 📸 Instagram: 📘 Facebook: 💼 LinkedIn: #BusinessGrowth #Entrepreneurship #ScalingABusiness #CashFlowManagement #LeadershipDevelopment #SmallBusinessGrowth #TheFinancialOperator #MKBPodcast #JenFizer #BudNye #CFOAdvice #ServiceBusiness #BusinessPodcast #BusinessMindset #WomenInBusiness #FinancialPlanning #MKBcfo
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How to Create a Positive Company Culture That Lasts
10/27/2025
How to Create a Positive Company Culture That Lasts
How to Create a Positive Company Culture That Lasts | The Financial Operator Podcast | Episode 69 🎙️ In this episode of The Financial Operator Podcast, host Jen Fizer sits down with LuAnn Buechler, also known as The Little Spark, to talk about what it really takes to build a positive company culture that stands the test of time. ✨ LuAnn shares her journey from hospitality and event management to helping entrepreneurs and teams build cultures rooted in purpose, values, and connection. She reveals how identifying your core values can transform not only how you lead—but how your business attracts the right people and opportunities. 🌱 💡 Whether you’re leading a growing team or building a business from the ground up, this episode will help you define your values, align your people, and create a culture where everyone thrives. ⏱️ Timestamps 00:00 Introduction and Guest Welcome 02:00 From Hospitality to Coaching and Culture Creation 06:00 Discovering the Power of Core Values 10:45 The Passion Test: Finding Purpose in Business 18:20 Building a Culture That Reflects Who You Are 25:00 Why Core Values Should Guide Every Decision 33:15 How to Choose the Right Networking Community 38:00 Turning Values Into Long-Term Success 41:40 Final Thoughts and Where to Find LuAnn To connect with LuAnn: Website: https://luannb.com/ 📌 Don’t forget to subscribe for the latest podcast episodes and insights from @mkbcfo Do you have your own financial or business growth questions for MKB? Visit: Website: Instagram: Facebook: LinkedIn: #CompanyCulture #LeadershipDevelopment #Entrepreneurship #SmallBusinessGrowth #BusinessLeadership #CoreValues #PositiveWorkCulture #TeamBuilding #BusinessCoaching #WomenInBusiness #BusinessPodcast #TheFinancialOperator #MKBPodcast #JenFizer #LuAnnBuechler
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Turning Bad Credit Into Financial Freedom
10/13/2025
Turning Bad Credit Into Financial Freedom
The Financial Operator: Cash In, Chaos Out Podcast | Episode 68 | Turning Bad Credit Into Financial Freedom 🎙️ In this episode of The Financial Operator Podcast, host Jen Fizer sits down with Kevin Faulkner, founder of 3B Credit Health, to talk about how good credit can transform not just your finances—but your future. 💳💼 Kevin shares how he rebuilt his own credit, created the Credit Success Plan, and now helps others reach that 800 score through realistic, proven steps. From fixing bad credit to understanding what lenders really look for, this episode uncovers the power of credit as a foundation for long-term wealth and peace of mind. He also opens up about the emotional side of money—how credit impacts confidence, business growth, and stability at home. 🌱 💡 Whether you’re an entrepreneur or just starting to rebuild your finances, this episode delivers practical steps and encouragement to help you take control of your credit and create real financial freedom. ⏱️ Timestamps 00:00 Introduction and Guest Welcome 00:45 How Kevin Rebuilt His Credit and Career 03:20 Credit, Self-Worth, and Financial Freedom 08:10 What’s Inside the “Credit Success Plan” 15:22 The 5 Factors That Build (or Break) Your Score 24:30 Common Credit Myths & Mistakes 33:18 How Credit Impacts Business and Stability 44:05 Why 800 Is the Goal — and How to Get There 50:13 Creating Long-Term Financial Peace 55:10 Final Thoughts and Contact Info To connect with Kevin: LinkedIn: Website: 3BCreditHealth.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
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Scaling Smart: KPIs, Leadership & Life Balance
09/29/2025
Scaling Smart: KPIs, Leadership & Life Balance
The Financial Operator: Cash In, Chaos Out Podcast | Episode 67 | Scaling Smart: KPIs, Leadership & Life Balance 🎙️ In this episode of The Financial Operator Podcast, host Jen Fizer sits down with entrepreneur Cory Boehs to talk about building a thriving business without sacrificing your health, marriage, or sanity. Cory shares how grit, personal KPIs, and smart hiring helped him scale multiple ventures — and why balance is just as important as EBITDA. 📈✨ From overcoming rock bottom to creating a clear vision for work and life, Cory breaks down the habits, leadership skills, and systems every business owner needs to grow sustainably. He also reveals how AI tools like ChatGPT are changing the way entrepreneurs delegate, make decisions, and focus on what really matters. 🤖💼 💡 Whether you’re scaling a service-based company, leading a small team, or simply trying to run your business (and life) more intentionally, this episode is packed with actionable tips on mindset, profitability, and building long-term success. ⏱️ Timestamps 00:00 Introduction and Guest Welcome 00:42 How Rock Bottom Shaped Cory’s Mindset 04:15 Building Personal KPIs for Business & Life 08:50 Scaling Teams and Delegating Effectively 13:22 Avoiding Burnout While Growing a Company 19:45 Using AI & Technology to Boost Productivity 24:31 Marriage, Balance, and Entrepreneurial Success 30:20 Creating a Clear Vision for Your Future 36:18 Leadership Lessons and Grit in Business 41:05 Final Advice for Sustainable Growth 📌 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
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How I Scaled a Plumbing Business & Sold It in 5 Years
09/15/2025
How I Scaled a Plumbing Business & Sold It in 5 Years
The Financial Operator: Cash In, Chaos Out Podcast | Episode 66 | How I Scaled a Plumbing Business & Sold It in 5 Years with Mitch Smedley 🎙️ In this episode of The Financial Operator Podcast, host Jen Fizer sits down with plumbing entrepreneur and business coach Mitch Smedley. Mitch shares how he launched his plumbing company in 2020 with just $30,000 from a home equity line of credit—and grew it into a thriving, sellable business within five years. 🚿💼 From financing vans and managing COGS to building a YouTube following that caught the attention of Ford Motor Company, Mitch dives deep into the realities of scaling a service-based business. He also reveals why he turned down a higher offer to sell, how he transitioned into coaching through Trade Winds, and the importance of running your business from a P&L rather than your bank account. 📊 💡 If you’re a business owner in the trades (or thinking about starting one), this episode is packed with hard-won lessons on growth, marketing, and financial strategy. 00:00 Introduction and Guest Welcome 00:34 Starting a Plumbing Company During COVID 02:27 Scaling Quickly and Managing COGS 04:10 Financing the Business with a HELOC 07:04 Buying Vans and Managing Overhead 13:42 Mistakes with Equipment and Lessons Learned 19:23 Building a YouTube Channel and Catching Ford’s Attention 24:42 Launching The Void Podcast and Tradewinds Coaching 29:01 Selling the Plumbing Company After 5 Years 33:44 Retaining Ownership and Planning the Next Chapter 37:22 Which Trades Are Easiest and Most Profitable 41:05 Mitch’s Final Advice: Run Your Business from the P&L To connect with Mitch: 📌 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 #thefinancialoperator #mkb #financialpodcast #fractionalcfo #consistency #businessfinance #businessowner #businesssystems #operations #coo
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Unleashing Business Efficiency
09/01/2025
Unleashing Business Efficiency
The Financial Operator: Cash In, Chaos Out Podcast | Episode 65 | Unleashing Efficiency: Mastering Business Systems with David Forster 🎙️ In this episode of the Financial Operator Podcast, host Jen Fizer welcomes fractional coo and operations expert David Forster. David shares his incredible journey from a tree-cutting side gig to successfully running and selling multiple businesses, including landscape companies and a bike shop. He delves into the importance of efficient systems for business operations and personal well-being, highlighting how such structures can save time, reduce stress, and increase profitability. David also discusses his current role in helping business owners optimize operations and find the right second-in-command. 📈 💡 If you're an entrepreneur looking to streamline your operations and free up more personal time, this episode is a must-watch! 🚀 00:00 Introduction and Guest Welcome 01:04 David Forster's Early Entrepreneurial Ventures 02:10 Building and Selling Landscape Businesses 04:46 The Dream and Decision to Sell 07:39 Navigating Business Sales and Networking 11:06 Post-Sale Ventures and Personal Growth 14:22 The Bike Shop Journey 17:39 Current Role: Optimizing Business Systems 21:11 Template Systems for Business Efficiency 21:49 Implementing Systems in Service-Based Businesses 23:51 Inventory Management and Financial Planning 27:24 The Role of the Second-in-Command 30:40 Balancing Visionary and Integrator Roles 34:42 Onboarding and Implementing Systems 37:23 Expected Returns and Final Advice To connect with David: https://www.systemsoversweat.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 #thefinancialoperator #mkb #financialpodcast #fractionalcfo #consistiency #businessfinance #businessowner #businesssystems #operations #coo
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Selling Businesses With Purpose and Profit
08/18/2025
Selling Businesses With Purpose and Profit
The Financial Operator Podcast: Cash In, Chaos Out | Ep. 64 | Selling Businesses With Purpose & Profit Link to video podcast episode: Empowering Women in M&A: Rachel Boynton's Inspiring Journey 💼✨ 🎙️ Welcome to the Financial Operator Podcast: Cash In, Chaos Out! Join host Jen Fizer as she talks with Rachel Boynton, a former human services worker turned business broker, about her journey from starting a home care service to building her own M&A firm. Rachel shares insights on how to prepare a business for sale, avoid common pitfalls, and the importance of tracking finances. She also delves into her mission to empower women business owners in an industry dominated by men. Rachel offers invaluable advice for business owners looking to sell, including real-life experiences and challenges faced during the process. Don't miss out on this detailed discussion packed with practical tips and inspiration! #BusinessBroker #WomenInBusiness #Entrepreneurship 00:00 Introduction and Guest Introduction 00:29 Rachel's Background and Journey into Human Services 01:12 Founding and Growing Life Share 01:38 Selling Life Share and Corporate Experience 02:07 Transition to M&A and Empowering Women Owners 03:24 Challenges and Lessons from Selling a Business 07:08 Importance of Financial Literacy for Business Owners 09:32 Navigating the Sale Process and Valuation 19:13 Preparing for Unexpected Challenges 25:52 Understanding Different Types of Brokers 34:11 Organizing Your Business for Future Sale 34:53 Personal Experience with Home Resale 36:01 Preparing Your Business for Sale 36:57 Financial Records and Business Valuation 37:50 The Importance of Planning Ahead 39:00 Navigating Buyer Expectations 41:04 Understanding Add-Backs and Working Capital 50:38 The Role of a Boutique Firm in Selling Your Business 52:59 Post-Sale Transition and Earnouts 01:01:46 Final Thoughts and Contact Information #mkb #financialpodcast #financialoperator #businessowner #entrepreneurship #businessbroker #womeninbusiness #womeninleadership #womenentrepreneurs
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Unlocking Potential With Virtual Staffing Solutions
08/04/2025
Unlocking Potential With Virtual Staffing Solutions
The Financial Operator Podcast: Cash In, Chaos Out | Ep. 63 | Unlocking Potential With Virtual Staffing Solutions Link to video podcast episode: 🚀 Join us as we kick off our newly branded podcast, 'The Financial Operator: Cash In, Chaos Out', with our inaugural guest, Scott Rammage from Hire VP! In this episode, Scott dives into his entrepreneurial journey, sharing insights on overcoming work-life balance challenges, leveraging virtual professionals, and the importance of believing in oneself. From starting multiple businesses to mastering the art of delegation, Scott reveals his secret to shifting chaos into cash. Tune in and discover how he successfully transformed the way he manages his business and life, and learn how you can do the same! 💼💡 To connect with Scott: https://hirevp.us/ Don't forget to subscribe on YouTube 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 Introduction to the Podcast and Guest 00:52 Scott's Personal and Professional Background 01:26 The Evolution of Hire VP 03:31 Challenges and Lessons in Entrepreneurship 07:17 The Turning Point: Leveraging Virtual Assistants 11:47 Success Stories and Client Experiences 16:01 The Importance of Soft Skills in Hiring 17:47 When to Hire and the ROI of Time 23:14 Understanding Your Energy Limits 23:38 Hiring the Right Salesperson 24:54 Effective Onboarding Strategies 27:12 Creating Standard Operating Procedures (SOPs) 29:08 Promoting from Within 31:58 Overcoming Self-Limiting Beliefs 34:41 The Importance of Hiring and Delegation 39:43 Leadership Challenges and Growth 41:49 Conclusion and Final Thoughts #millsknowsbills #mkb #financialpodcast #fractionalcfo #resilience #consistiency #businessfinance #businessowner #virtualstaffing #virtualassistant
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Inside the Deal: Journeys in Business Acquisition
07/14/2025
Inside the Deal: Journeys in Business Acquisition
Inside the Deal: Journeys in Business Acquisition | The MKB Podcast | Episode 62 Link to video podcast episode: 🎙️ In this insightful episode, host Jen Fizer and her guests, Micah and Drew Clukey, dive deep into the nuances of buying and selling businesses. 💼 The discussion highlights the importance of leveraging personal networks and the unique value brokers can bring in specific situations. It also covers crucial considerations when partnering in business, such as assessing compatibility and understanding the financial implications. Real-life experiences and lessons are shared, including the significance of thorough due diligence and surrounding yourself with a solid advisory team. Perfect for aspiring business owners, this episode is packed with practical advice and firsthand stories! 👥📊 00:00 Introduction: The Fun Side of Business Ownership 00:16 The Power of Networking in Business Deals 01:08 The Role of Brokers in Unique Business Transactions 02:40 Drew's Journey: Buying into a Family Business 03:58 Structuring Business Partnerships and Roles 07:21 The Importance of Due Diligence in Business Partnerships 11:51 Final Advice on Buying and Selling a Business 15:17 Conclusion and Farewell 🙌📈 To connect with our guests, please visit: https://www.clukeyandtebault.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 #millsknowsbills #mkb #financialpodcast #fractionalcfo #businessfinance #businessowner #businesssales #businessacquisition #businesspartnership
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Behind the Buy: Business Acquisition Insights
07/07/2025
Behind the Buy: Business Acquisition Insights
Behind the Buy: Business Acquisition Insights | The MKB Podcast Episode 61 Link to video podcast episode: 👉Join host Jen Fizer for her debut episode on the MKB podcast! Jen, now also the new CEO of MKB, welcomes Micah and Drew Clukey of Clukey and Tebault to discuss the intricacies of business acquisitions. 🎙️ The conversation covers essential steps in the due diligence process, the importance of having a solid foundation for financial management 📊, and the challenges and opportunities in selling to private equity firms or individual buyers. Drawing from their own experiences and client interactions, the guests provide valuable advice for ensuring a smooth and successful business acquisition. Whether you're buying or selling, this episode is packed with insights to help you navigate the complexities of the acquisition process! 🌟 📌Tune in next week for part 2! 00:00 Introduction and Host's First Episode 00:12 Meet the Guests: Micah and Drew Clukey 00:35 Business Acquisitions: Key Insights 01:07 The Importance of Due Diligence 02:33 Foundations for Business Success 08:10 Private Equity and Business Sales 08:41 Steps to Prepare for Selling Your Business 12:35 Challenges of Selling to Private Equity 13:50 Selling to Individual Buyers 16:38 Real-Life Business Sale Examples 21:06 Connecting Buyers and Sellers To connect with our guests, please visit: https://www.clukeyandtebault.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 #millsknowsbills #mkb #financialpodcast #fractionalcfo #resilience #consistiency #businessfinance #businessowner #businessacquisition
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Profit Pitfalls: Overcoming Financial Missteps
06/30/2025
Profit Pitfalls: Overcoming Financial Missteps
Profit Pitfalls: Overcoming Financial Missteps | The MKB Podcast Episode 60, Season 7 Welcome back to another episode of The MKB podcast! In this episode, host and current CEO of MKB, Mills Bender, is joined again by entrepreneur Trevor Cowley. Together, they dive into the critical aspects of business finance, accounting, and bookkeeping. Trevor shares his extensive experience across various industries, emphasizing the importance of detailed financial oversight. They discuss common issues like business owners not keeping track of finances, the challenges at different levels of business growth, and the essential need for accurate bookkeeping. This episode is packed with real-life insights and horror stories about financial mismanagement, aiming to help you avoid costly mistakes. Join us and learn how proactive financial management can save you money and stress! 00:00 Introduction and Guest Introduction 00:29 Trevor's Business Background 01:36 Challenges in Business Finances 04:38 Importance of Accurate Bookkeeping 06:01 Common Bookkeeping Mistakes 12:08 Conclusion and Final Thoughts To connect with Trevor: Instagram: https://www.instagram.com/realbusinessowners/ Website: https://joinrbo.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 #millsknowsbills #mkb #financialpodcast #fractionalcfo #resilience #consistiency #businessfinance #businessowner
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Mindset Mastery: Turning Adversity Into Achievement
06/23/2025
Mindset Mastery: Turning Adversity Into Achievement
Mindset Mastery: Turning Adversity Into Achievement | The MKB Podcast Episode 59, Season 7 link to video podcast episode: Welcome to Season 7 of The MKB Podcast! Host Mills Bender, founder and current CEO of MKB, discusses strategies for business owners and variable income earners to manage their finances effectively. Join host and current CEO Mills Bender in this episode as she chats with entrepreneur Trevor Cowley about what it takes to be a successful business owner. Trevor shares his inspiring journey of turning a debt-ridden business into a seven-figure success and how resilience, grit, and dedication played a key role. Learn about his experiences, the importance of consistency, and how he leverages his mental resolve from personal challenges to overcome business obstacles. Plus, dive into insights about the Real Business Owners (RBO) Mastermind and how it can help you connect with like-minded entrepreneurs. Don't miss this episode packed with valuable business insights! To connect with Trevor: Instagram: https://www.instagram.com/realbusinessowners/ Website: https://joinrbo.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 Introduction and Guest Welcome 00:43 Trevor's Business Journey: From Debt to Success 03:11 The Importance of Resilience and Grit 04:12 Pushing Physical Limits: The 1000-Day Challenge 05:00 Adapting to New Goals and Challenges 06:33 Balancing Business and Personal Life 09:40 Consistency and Overcoming Adversity 18:05 Applying Mental Resolve to Business 19:46 The Unseen Efforts Behind Success 20:57 Mindset: Who's in Control? 21:59 The Importance of Discipline in Business 23:53 Overcoming Overwhelm and Excuses 25:29 Maximizing Productivity and Focus 29:20 The Power of Mastermind Groups 34:38 Final Thoughts and Encouragement #millsknowsbills #mkb #financialpodcast #fractionalcfo #resilience #consistiency #businessfinance #businessowner
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Transition Talk: A New Era for MKB
06/16/2025
Transition Talk: A New Era for MKB
Transition Talk: A New Era for MKB | The Mills Knows Bills Podcast Episode 58, Season 7 Link to video podcast episode: https://youtu.be/J1-d4vWCbd0 Join us in this special episode of The Mills Knows Bills podcast, where Mills Bender, the current CEO of MKB, records her final show before passing the torch to the new CEO, Jen Fizer! In part two of an interview with Sean Casper, Mills takes the hot seat, revealing insights into the role of a fractional CFO, the growth of Mills Knows Bills, and her personal journey into financial literacy. Learn how MKB has assisted blue-collar businesses with their financial management, and discover how Mills’ passion for helping others led her to found the company. Additionally, Mills shares the seamless process of transitioning to a new CEO and sends her gratitude to all the clients and followers who have supported her work. To connect with Jen, new CEO and host of The MKB Podcast: jen@millsknowsbills.com To connect with Sean and Coastal Investments: Website: https://www.investwithcoastal.com/ Instagram: https://www.instagram.com/investwithcoastal/ Don't forget to subscribe on YouTube 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 Introduction and Major Announcement 00:31 Guest Introduction and Episode Overview 00:59 Understanding Mills Knows Bills 02:53 How Clients Find MKB 04:17 Mills' Journey to Becoming a Fractional CFO 07:41 Scope of Services for Blue Collar Businesses 10:49 Managing Client Load and Scaling 13:48 Personal Interests and Hobbies 14:43 Conclusion and Contact Information #millsknowsbills #mkb #financialpodcast #fractionalcfo #alternativeinvestments #realestate #realestateinvesting #businessfinance #businessowner
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Alternative Investments Made Accessible
06/09/2025
Alternative Investments Made Accessible
Alternative Investments Made Accessible | The Mills Knows Bills Podcast Episode 57 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. Join Mills in this episode as she sits down with Sean Casper, a seasoned real estate professional and partner at Coastal Investment Company, a private real estate investment firm. Sean shares his journey from starting in residential real estate during the recession to managing 3000 agents at Compass, and now helping investors grow their portfolios through alternative investments. The conversation covers the benefits of diversifying into assets like multifamily, self-storage, and growth equity, the advantages of investing through firms like Coastal versus traditional stock portfolios, and how smart tax strategies can optimize returns. Whether you're a business owner planning an exit or simply looking to diversify your investments, this episode is packed with valuable insights on maximizing wealth through real estate and alternative investments. To connect with Sean and Coastal: Website: https://www.investwithcoastal.com/ Instagram: https://www.instagram.com/investwithcoastal/ Don't forget to subscribe on YouTube 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 00:57 Sean's Background in Real Estate 03:36 Transition to Coastal 07:01 What is Coastal? 09:15 Investment Strategies and Returns 24:07 Tax Benefits and Strategies 29:49 Getting Started with Coastal 32:17 Conclusion and Contact Information #millsknowsbills #mkb #financialpodcast #fractionalcfo #alternativeinvestments #realestate #realestateinvesting #businessfinance #businessowner
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The CFO Advantage: Key Benefits Explored
06/02/2025
The CFO Advantage: Key Benefits Explored
The CFO Advantage: Key Benefits Explored | The Mills Knows Bills Podcast Episode 56, Season 7 Link to video podcast episode: 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 episode, Mills continues her insightful discussion with Paul Childers, owner of BlueSky Biz Solutions. Paul dives into essential questions about business finances, including why business owners delay seeking financial help, the roles of bookkeepers, CPAs, and CFOs, and how CFOs can provide real value to growing businesses. They discuss the critical differences between reactive and proactive financial management, and how hiring a CFO can bring peace and enable business growth. Tune in to hear valuable advice on choosing the right financial experts and managing your business finances effectively. 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 Introduction and Guest Overview 01:06 Why Business Owners Delay Financial Help 04:57 Identifying Financial Issues 06:35 The Role of Bookkeepers, CPAs, and CFOs 11:46 Impact of a CFO on Business Growth 16:27 Choosing the Right CFO 18:12 Conclusion and Final Thoughts #millsknowsbills #mkb #financialpodcast #businessfinance #entrepreneurialfinance #businessowner #businesscredit #personalcredit #debtmanagement
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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
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Level Up Your Business Game: The Best of Season 6
05/19/2025
Level Up Your Business Game: The Best of Season 6
Level Up Your Business Game | The Best of Season 6 | The MKB Podcast Episode 54 Link to video podcast episode: Welcome to Mills Knows Bills and the MKB Podcast! Get ready for another value-packed episode of MKB with your host, Mills Bender, and relive the best moments of season 6! Dive into business transitions, exits, and scaling with purpose. From mastering your first hire to strategic real estate investing, this episode has it all. 💡 Whether you're an entrepreneur, investor, or someone just getting started, this episode is filled with the insights you need! 🚀 Don't miss it! Like, share, and comment with your favorite moments from the MKB podcast. Don't forget to subscribe on YouTube for the latest podcast episodes and more from #millsknowsbills #mkb #financialpodcast #fractionalcfo #businessfinance #businessowner #businessscaling #bestmoments #bestpodcastmoments
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The ROI of Sharing Knowledge: The Best of Season 5
05/12/2025
The ROI of Sharing Knowledge: The Best of Season 5
The ROI of Sharing Knowledge | The Best of Season 5 | The MKB Podcast Episode 53 Link to video podcast episode: Welcome to Mills Knows Bills and the MKB Podcast! Join us for a wild ride through some of the best moments of Season 5! 🎉 Join Michelle, our new AI narrator, as she tackles everything from crushing high-stakes cash flow issues to overcoming social media insecurities and even breaking down ROI with a steak analogy! 🍖 Whether you're a business newbie or a seasoned entrepreneur, you'll laugh, learn, and nod along with us. Plus, discover the power of community banks and their role in making dreams come true. Buckle up for laughs, lessons, and life-changing tips! 🚀📊 Like, share, and comment with your favorite moments from the MKB podcast. Don't forget to subscribe for the latest podcast episodes and more from @mkbcfo 00:00 Introduction to Mills Knows Bills and the MKB Podcast 00:30 Cash Flow Strategy Masterclass 04:45 Overcoming Social Media Insecurities 09:18 Critical Financial Metrics for Business Owners 13:38 Explaining ROI with a Savory Metaphor 16:48 The Power of Community Banks 20:29 Conclusion and Season Wrap-Up #mkb #millsknowsbills #fractionalcfo #businessfinance #financialpodcast #bestmoments #bestpodcastmoments
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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: dan@identitygraphx.com Do you have your own burning financial question for Mills or the MKB team? Email: info@MillsKnowsBills.com 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
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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: dan@identitygraphx.com Do you have your own burning financial question for Mills or the MKB team? Email: info@MillsKnowsBills.com 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
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Baby Business: Growing a Company and a Family
04/21/2025
Baby Business: Growing a Company and a Family
Baby Business: Growing a Company & a Family | The Mills Knows Bills Podcast Episode 50, Season 6 Link to video podcast episode: https://youtu.be/oDc-kDVEYHM 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 continues her conversation with entrepreneur Trent Meyer. In a special announcement, Trent reveals that he and his wife Ashley are expecting their first child. The discussion centers around balancing entrepreneurship and parenting, offering tips for setting boundaries, time management, and providing support as a husband during and after childbirth. Mills shares her personal experiences and insights on maintaining a healthy work-life balance, preparing for paternity leave, and effective communication during pregnancy. Tune in for valuable advice and to celebrate this exciting new chapter in Trent's life. 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: info@MillsKnowsBills.com 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 Recap 01:11 Exciting News from Trent 01:58 Entrepreneurship and Parenthood 04:57 Tips for Supporting Your Partner 07:55 Deciding on Finding Out the Baby's Gender 10:33 Conclusion and Farewell #millsknowsbills #financialpodcast #businessfinance #entrepreneurialfinance #businessowner #marineconstruction #parenthood
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