What Self-Employed Business Owners Need to Know About HSAs and the Time Value of Money to Stop Overpaying in Taxes. If you’re self-employed and feel like you’re paying way too much in taxes—you’re not alone. Running your own business comes with freedom, but it also brings more financial responsibility. You’ve probably wondered: Am I missing out on ways to save money on taxes? Are there strategies that could help me keep more of what I Read more…
Three words that make people uncomfortable, sex, money, and death.Three topics we’re told are “too private,” “too much,” or “not appropriate.”But here’s the truth: these are the conversations that shape our lives. We all experience them — in one way or another.So why do we treat them like secrets? Let’s break it down. Sex is about connection, safety, and understanding your own body and boundaries.When we don’t talk about it, we carry shame, confusion, or Read more…
From Tracking to Transforming—How Budgeting Changed Everything for Shawn Shawn went from simply tracking his business finances to truly transforming them. It didn’t happen overnight—but there came a breakthrough moment when budgeting finally clicked, and everything started to make sense. If you’ve ever tracked your spending down to the penny and still wondered why your financial picture hasn’t changed, you’re not alone most of us have. That’s exactly where Shawn found himself. For over 10 Read more…
Success isn’t about luck. It’s about the power of persistence. It’s about showing up, day after day, even when progress feels slow. Every great achievement—whether in business, health, relationships, or personal growth—was built by someone who refused to quit. When obstacles arise (and they will), persistence is what separates those who succeed from those who stop too soon. It’s easy to feel discouraged when results don’t come fast enough. But what if you kept going? Read more…
When it comes to financial success, we’re often focused on finding the best ways to move forward. Whether you’re a business owner or striving for personal financial goals, you’re making choices about where to invest your time, energy, and resources. Yet, in a world with endless “must-have” tools, strategies, and resources, achieving financial success can feel overwhelming. So, how do you find your next best step? Recently, I spoke with an experienced consultant who’s guided Read more…
Ever heard the saying, “Money talks, I’ll not deny, I heard it once: it said goodbye”? It’s funny—until it’s your reality. When cash flow problems start running the show, and financial emergencies hit your business, it’s no laughing matter. So, how much $ should be in a Business Emergency fund? Here’s the truth: life will throw your business curveballs. Whether it’s an economic downturn, unexpected equipment repairs, or even a global crisis, the unexpected will Read more…
So just how much should you have in a business emergency fund? Ever heard the saying, “Money talks, I’ll not deny, I heard it once: it said goodbye”? It’s funny—until it’s your reality. When cash flow problems start running the show, and financial emergencies hit your business, it’s no laughing matter. Here’s the truth: life will throw your business curveballs. Whether it’s an economic downturn, unexpected equipment repairs, or even a global crisis, the unexpected Read more…
Ever find yourself so wrapped up in daily tasks that the big picture starts to slip away? It happens to all of us. Life can get busy, and between work, family, and managing our finances, it’s easy to focus on just getting through each day. But sometimes, the most powerful move you can make is to pause, step back, and reassess before the big picture starts to slip away. Take your finances, for instance. We Read more…
There’s a big misconception in personal finance: the idea that the “best” choice is always the one that looks best on paper. You know, the one that makes the spreadsheet look perfect or maximizes every penny. But here’s the truth—there’s more to a good plan than just the numbers. Money matters, of course. But when we buy into the big misconception in personal finance that says it’s the only factor, we lose sight of what Read more…
As a financial coach, I don’t claim to know everything about money. And the truth is, I never have, and I never will. But here’s the thing—my clients don’t pay me to know it all. So, what do they pay me for? They pay me to lean in when they share a vision, an idea, or a goal, and with a genuine smile, say, “Tell me everything.” People pay me to ask the right questions—the Read more…