Mills Knows Bills: Recent Episodes

Mills Bender

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.

How Podcasting Builds Clients Before Sales Calls | The Financial Operator Podcast | Episode 85

What if your content could build trust for your business… before a customer ever talks to you?

In this episode of The Financial Operator: Cash In, Chaos Out, Jen sits down with Dennis Meador, also known as DM, founder of The Legal Podcast Network, to talk about the future of marketing, podcasting, trust-building, and why founder-led content is changing the way businesses grow.

DM shares how he went from lifelong entrepreneur and marketer to building a fast-growing podcast ecosystem serving over 200 law firms and professional businesses. This conversation dives into modern marketing, authority positioning, content systems, AI, and what business owners need to understand about building trust online today.

In this episode, we discuss: • Why podcasting is becoming the new authority marketing • Building trust before a client ever contacts you • Founder-led content and the future of branding • Why professionals hate creating content (and how to fix it) • Scaling a business quickly without losing systems • The importance of operations and communication in growth • Business partnerships, red flags, and lessons learned • How AI is changing content and authenticity online • The future of digital trust and human connection

If you're a business owner trying to stand out online, build authority, or create content without spending all day marketing yourself, this episode is packed with practical insights and forward-thinking strategies. Watch now to learn how modern businesses are building trust at scale.

⏱️Timestamps 00:00 Introduction & Meet Dennis "DM" Meador 02:00 Building The Legal Podcast Network 05:30 How Authority Podcasting Works 10:00 Turning Podcasts into Marketing Ecosystems 14:30 Why Most Business Owners Avoid Content 18:00 Scaling Fast & Operational Challenges 22:00 Lessons Learned from Business Partnerships 27:00 Red Flags When Choosing Partners 31:30 The Future Vision for Podcast Networks 36:00 Why Trust-Based Marketing Wins 41:00 How People Actually Buy Today 46:00 AI, Authenticity & Human Connection 52:00 Final Thoughts & How to Connect

To connect with Dennis Meador: LinkedIn: https://www.linkedin.com/in/dennismeador Website: https://www.thelegalpodcastnetwork.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

#PodcastMarketing #FounderLedMarketing #BusinessGrowth #Entrepreneurship #ContentMarketing #AuthorityBuilding #DigitalMarketing #AIinBusiness #TheLegalPodcastNetwork #TheFinancialOperator

The Owner Trap That Keeps You Broke | The Financial Operator Podcast | Episode 84

What's actually holding your business back… isn't your revenue.

In this episode of The Financial Operator, Jen sits down with Richard Walsh, founder of Sharpened Impact, to break down why so many business owners stay stuck, despite working harder than ever.

From losing everything in 2008 to rebuilding multiple businesses, Richard shares the hard truths most entrepreneurs avoid:

• Why being "busy" is keeping you broke • The real reason you can't scale (hint: it's you) • How poor delegation, pricing, and lack of systems quietly destroy profit • And what it actually takes to build a business that runs without you

This conversation is part strategy, part reality check, and exactly what business owners need if they're serious about growth. If you've ever felt like you're doing everything right but still not getting ahead… this episode will hit home.

⏱️Timestamps 00:00 Introduction & Meet Richard Walsh 02:00 From Marine Corps to Business Owner 06:30 Why Most Business Owners Stay Stuck 10:00 The Owner Dependency Problem 14:30 Systems, SOPs & "Command Drift" 19:00 Pricing Mistakes That Kill Profit 24:00 Why Revenue Doesn't Matter 29:00 Escaping the Owner Prison 35:00 Buying Businesses: What to Look For 41:00 Profit vs. Ego in Business 47:00 Cash Flow, Margins & Survival 52:00 Why You Need Help to Scale 58:00 Final Thoughts & How to Connect

To connect with Richard Walsh: Facebook: https://www.facebook.com/richard.walsh.9231/ LinkedIn: https://www.linkedin.com/in/richard-walsh-866ab237 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

#BusinessGrowth #Entrepreneurship #SmallBusinessTips #CashFlow #Leadership #ScalingBusiness #ProfitFirst #BusinessCoaching #FinancialFreedom #TheFinancialOperator

Why Your Marketing Isn't Working Anymore | The Financial Operator Podcast | Episode 83

Is AI helping your business grow… or slowly making you invisible? In this episode of The Financial Operator: Cash In, Chaos Out, Jen sits down with Wes Towers, founder of Uplift 360, to talk about what it really takes to stand out in a world dominated by AI, automation, and endless content. With over 20+ years in digital marketing and web development, Wes shares how the industry has evolved, from the early days of dial-up internet to today's AI-driven landscape, and what business owners must do now to stay relevant. This conversation goes beyond tactics and gets into the real challenge: how to build trust, stay human, and actually connect with your audience in a noisy, fast-moving world. In this episode, we cover: • How AI is disrupting marketing and entire industries • Why generic content is killing your brand • The importance of human connection in modern marketing • Why your website still matters more than social media • How to turn content into real business growth • The shift from lead magnets to real-time answers (AI vs. downloads) • Why reputation matters more than ever • How to use AI without losing your voice If you're a business owner trying to keep up with AI, marketing trends, and changing customer behavior, this episode will give you a grounded, practical perspective. Watch now to learn how to stay relevant, and trusted, in the AI era. ⏱️Timestamps 00:00 Introduction & Meet Wes Towers 02:00 Starting a Business with No Experience 05:30 Early Challenges & Building a Network 09:00 AI Disruption & Industry Changes 13:00 Trust, Reputation & Standing Out 17:30 The Problem with Generic AI Content 22:00 Human Connection in Modern Marketing 27:00 Websites vs. Social Media Strategy 32:00 Content, SEO & AI Visibility 36:00 Final Thoughts & How to Connect To connect with Wes Towers: LinkedIn: https://au.linkedin.com/in/westowers Website: https://uplift360.com.au/author/admin_psfch7yj/ 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 #DigitalMarketing #AIinBusiness #MarketingStrategy #EntrepreneurMindset #BusinessGrowth #ContentMarketing #PersonalBranding #FutureOfWork #Uplift360 #TheFinancialOperator

The Truth About Building Real Wealth | The Financial Operator Podcast | Episode 82 What if building wealth isn't about diversification… but focus? In this episode of The Financial Operator: Cash In, Chaos Out, Jen sits down with Jaden Sterling, founder of SSP Software, LLC and creator of the Sterling Stock Picker. Jaden shares a powerful journey, from a life-changing moment at 14, to Wall Street in the 90s, to building wealth through focused investing, real estate, and now SaaS. This conversation challenges traditional financial advice and dives into what it really takes to build wealth intentionally. From investing philosophies to scaling a software company, this episode is packed with practical insights for business owners and investors alike. In this episode, we discuss: • Why diversification might be holding you back • The investing strategy wealthy individuals actually use • How Jaden turned $70K into nearly $1M • Transitioning from Wall Street to entrepreneurship • Building a SaaS company from scratch • Lessons from partnerships, investors, and scaling • The realities of raising capital and managing expectations • Why structure, agreements, and protection matter in business • The future of investing, AI, and tokenization If you're a business owner or investor looking to build real wealth, not just chase revenue, this episode will shift your perspective. ⏱️Timestamps 00:00 Introduction & Meet Jaden Sterling 01:00 The Moment That Defined His Life Path 05:10 What Wealthy Investors Do Differently 08:30 Focus vs. Diversification 12:10 Building Wealth Through Business & Investing 15:00 From Wall Street to Real Estate 17:10 Transitioning into SaaS (SSP Software) 20:00 Lessons from Partnerships & Scaling 25:00 Raising Capital & Investor Realities 29:30 Challenges of Growth & Regulation 33:00 Business Structure, Risk & Protection 38:00 What's Next: AI, Trading Platform & Expansion 46:00 How to Connect with Jaden To connect with Jaden Sterling: LinkedIn: https://www.linkedin.com/in/jadensterling Website: https://sterlingstockpicker.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 #JadenSterling #SSPSoftware #StockMarket #WealthBuilding #InvestingStrategy #Entrepreneurship #SaaSBusiness #FinancialFreedom #BusinessGrowth #TheFinancialOperator

The Cash Flow Strategy Business Owners Need | The Financial Operator Podcast | Episode 81

What if everything you were taught about money… was wrong?

In this episode of The Financial Operator: Cash In, Chaos Out, Jen sits down with Chris Miles, founder of Money Ripples, also known as the "Anti-Financial Advisor." Chris shares his powerful journey, from traditional financial advisor to financially free entrepreneur before age 30… then losing it all during the recession… and rebuilding with a completely different approach to money. This conversation dives into cash flow investing, financial independence, and why traditional retirement advice may not work for business owners.

In this episode, we discuss: • Why traditional retirement planning often falls short • Chris' journey to financial freedom before age 30 • Losing everything during the recession and rebuilding • Cash flow vs. net worth mindset • Alternative investing strategies • Creating financial independence faster • Lessons learned from financial setbacks • How business owners should think about money differently

If you're a business owner looking to create financial freedom, this episode will challenge how you think about money, and what's actually possible.

⏱️Timestamps 00:00 Introduction & Meet Chris Miles 02:10 From Financial Advisor to "Anti-Advisor" 05:45 Financial Freedom Before Age 30 09:20 Losing Everything During the Recession 13:40 Rebuilding with a Cash Flow Strategy 17:10 Why Traditional Retirement Advice Fails 21:30 Alternative Investing & Cash Flow Thinking 26:15 Final Advice for Business Owners

To connect with Chris Miles: LinkedIn: https://www.linkedin.com/in/chriscmiles Website: https://moneyripples.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

#ChrisMiles #MoneyRipples #FinancialFreedom #CashFlowInvesting #BusinessFinance #FinancialIndependence #EntrepreneurFinance #FractionalCFO #BusinessGrowth #TheFinancialOperator

Scaling an Accounting Firm the Right Way | The Financial Operator Podcast | Episode 80

What does it really take to build a modern accounting firm that actually helps business owners grow?

In this episode of The Financial Operator: Cash In, Chaos Out, Jen sits down with Sonny Grappone, CEO of Precision Accounting & Consulting, to talk about leadership, scaling an accounting firm, and why advisory services are becoming the future of accounting. Sonny shares the story behind transforming a traditional accounting firm into a modern advisory-focused business and the lessons learned along the way. From leadership transitions to building the right team, this conversation dives into what it really takes to grow sustainably.

In this episode, we discuss: • Why traditional accounting is evolving • The shift from compliance to advisory services • Leadership lessons from growing a firm • Building a team that supports growth • The importance of financial clarity for business owners • Scaling challenges accounting firms face • Creating long-term client relationships • The future of accounting and advisory

If you're an accounting firm owner, business owner, or someone interested in scaling professional services, this conversation offers practical insights and real world experience.

Watch now to learn how accounting firms, and business owners, can grow smarter.

⏱️Timestamps 00:00 Introduction & Meet Sonny Grappone 01:35 Precision Accounting & Consulting Overview 03:10 Sonny's Leadership Journey 05:45 The Shift from Compliance to Advisory 08:20 Building the Right Team 11:00 Challenges of Scaling an Accounting Firm 14:15 Leadership Lessons Learned 17:40 Creating Long-Term Client Relationships 20:25 Financial Clarity for Business Owners 24:00 The Future of Accounting 27:45 Final Thoughts & How to Connect

To connect with Sonny Grappone: LinkedIn: https://www.linkedin.com/in/sonny-grappone-24536312a/ Website: https://precisionaccountingconsulting.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

#AccountingFirm #AdvisoryServices #FractionalCFO #BusinessGrowth #AccountingIndustry #FinancialLeadership #Entrepreneurship #BusinessStrategy #ModernAccounting #TheFinancialOperator

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

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

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

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: https://www.andrewbackerman.com

Buy "The Entrepeneur's Odyssey" here: https://www.amazon.com/Entrepreneurs-Odyssey-Approach-Startup-Success/dp/1032883545/ref=tmm_pap_swatch_0

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 | 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: 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

#EntrepreneurMindset #BusinessOwnerLife #StressManagement #BehindTheBusiness #WomenInBusiness #FamilyBusiness #MentalFitness #EntrepreneurJourney #KoolFoam #TheFinancialOperator

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: Your Financial Maven®

📌 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

#SmallBusinessOwner #Entrepreneurship #FinancialClarity #TaxTips #CashFlowManagement #BusinessFinance #WomenInBusiness #CPAAdvice #FractionalCFO #TheFinancialOperator

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

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: https://www.linkedin.com/in/jeff-price-8776b674

📌 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

#CreativeBusiness #Entrepreneurship #ServiceBusiness #ScalingABusiness #ClientManagement #BusinessGrowth #CreativeEntrepreneur #TheFinancialOperator #MKBPodcast #JenFizer #CFOAdvice #WomenInBusiness #SmallBusinessGrowth #CreativeAgencyLife #MKBcfo

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: https://mkbcfo.com 📸 Instagram: https://www.instagram.com/mkb_cfo/ 📘 Facebook: https://www.facebook.com/mkbcfo 💼 LinkedIn: https://www.linkedin.com/company/mkbcfo

#SocialMediaManagement #BusinessGrowth #Entrepreneurship #ScalingABusiness #ContentCreationTips #DelegationForCEOs #MarketingStrategy #SmallBusinessGrowth #TheFinancialOperator #MKBPodcast #JenFizer #CFOAdvice #WomenInBusiness #ContentAgency #SocialMediaStrategy #MKBcfo

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: https://mkbcfo.com 📸 Instagram: https://www.instagram.com/mkb_cfo/ 📘 Facebook: https://www.facebook.com/mkbcfo 💼 LinkedIn: https://www.linkedin.com/company/mkbcfo

#BusinessGrowth #Entrepreneurship #ScalingABusiness #CashFlowManagement #LeadershipDevelopment #SmallBusinessGrowth #TheFinancialOperator #MKBPodcast #JenFizer #BudNye #CFOAdvice #ServiceBusiness #BusinessPodcast #BusinessMindset #WomenInBusiness #FinancialPlanning #MKBcfo

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: https://mkbcfo.com Instagram: https://www.instagram.com/mkb_cfo/ Facebook: https://www.facebook.com/mkbcfo LinkedIn: https://www.linkedin.com/company/mkbcfo

#CompanyCulture #LeadershipDevelopment #Entrepreneurship #SmallBusinessGrowth #BusinessLeadership #CoreValues #PositiveWorkCulture #TeamBuilding #BusinessCoaching #WomenInBusiness #BusinessPodcast #TheFinancialOperator #MKBPodcast #JenFizer #LuAnnBuechler

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: linkedin.com/in/kevin-faulkner-b6b928179/

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

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

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: https://callsmedley.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 #consistency #businessfinance #businessowner #businesssystems #operations #coo

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

The Financial Operator Podcast: Cash In, Chaos Out | Ep. 64 | Selling Businesses With Purpose & Profit

Link to video podcast episode: https://youtu.be/2_N758pI-DM

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

The Financial Operator Podcast: Cash In, Chaos Out | Ep. 63 | Unlocking Potential With Virtual Staffing Solutions

Link to video podcast episode: https://youtu.be/D5E8-nEBYio

🚀 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

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

Behind the Buy: Business Acquisition Insights | The MKB Podcast Episode 61

Link to video podcast episode: https://youtu.be/YFDm_fKlNhQ

👉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

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

Mindset Mastery: Turning Adversity Into Achievement | The MKB Podcast Episode 59, Season 7

link to video podcast episode: https://youtu.be/dyEPYcUijkg

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

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

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

The CFO Advantage: Key Benefits Explored | The Mills Knows Bills Podcast Episode 56, Season 7

Link to video podcast episode: https://youtu.be/M3UoU0XFumY

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

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

Level Up Your Business Game | The Best of Season 6 | The MKB Podcast Episode 54

Link to video podcast episode: https://youtu.be/n3hOLN0oVCs

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 @mkbcfo

#millsknowsbills #mkb #financialpodcast #fractionalcfo #businessfinance #businessowner #businessscaling #bestmoments #bestpodcastmoments

The ROI of Sharing Knowledge | The Best of Season 5 | The MKB Podcast Episode 53

Link to video podcast episode: https://youtu.be/Wzl8rvceuxU

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

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

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

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

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: info@MillsKnowsBills.com 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

A Fractional CFO's Journey | The Mills Knows Bills Podcast Episode 48, Season 6

Link to video podcast episode: https://youtu.be/rmaNWgo8As0

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 the previous episode, Mills welcomed business broker Carey Sobel to the podcast. Join her this time around as she answers Carey's questions about the inception and growth of her business. Mills shares her journey from working at her parents' print shop to launching MKB, her initial focus on consulting and coaching, and eventually providing fractional CFO services. Learn about her approach to work-life balance, overcoming shyness, setting boundaries, and her plans for the future, including developing streamlined software for financial management.

To connect with Carey:

careys@bossgi.com (Boss Group International)

carey@coastalinvco.com (Coastal Investments)

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 for the latest podcast episodes and more from MKB @MillsKnowsBills

00:00 Introduction and Welcome 00:35 Starting MKB: The Journey Begins 03:06 The Shift to Fractional CFO Services 04:24 Growth and Expansion Plans 11:40 Balancing Work and Personal Life 19:05 Conclusion and Future Outlook

#millsknowsbills #businessfinance #entrepreneurialfinance #fractionalcfo #worklifebalance #worklifebalancegoals

Building to Sell: Business Brokerage & Alternative Investments | The Mills Knows Bills Podcast EP 47, Season 6

Link to video podcast episode: https://youtu.be/iPFpeWQX9Sk

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:

careys@bossgi.com (Boss Group International)

carey@coastalinvco.com (Coastal Investments)

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 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

Scaling Smarter: Balancing Business & Family | The Mills Knows Bills Podcast Episode 46, Season 6

Link to video podcast episode: https://youtu.be/-PLC3Fe5fbk

Welcome to the Season 6 Premier 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 of MKB, guest Brandon Roberts, owner of Integrity Staffing Agency, turns the table on Mills! Brandon takes the reins, interviewing Mills about her journey into finance, the challenges of scaling her business with young children, and her ambitious goal to transform MKB into a fintech company. They explore balancing parental responsibilities with entrepreneurial goals, the importance of setting boundaries, and valuable lessons from past business experiences. Mills also shares her favorite business book and the empowering impact of speaking engagements.

To connect with Brandon:

https://icaconnects.com/

Brandon@icaconnects.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 for the latest podcast episodes and more from MKB on YouTube @MillsKnowsBills

00:00 Introduction and Guest Reintroduction 00:39 Early Career and Discovering Finance 01:58 Challenges of Growing a Business 03:27 Goals and Vision for the Future 05:02 Balancing Work and Family Life 09:25 Lessons Learned and Final Thoughts 11:45 Conclusion and Farewell

#millsknowsbills #podcast #financialpodcast #businessfinance #businessscaling #entrepreneurmindset #variableincome #hiringstrategies

Overcome Hiring Hurdles: Recruitment & Staffing Solutions | The Mills Knows Bills Podcast Episode 45, Season 6

Link to video podcast episode: https://youtu.be/Xv-P3NQmAhc

Welcome to the Season 6 Premier 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 discusses effective hiring strategies with Brandon Robertson, a staffing and recruiting specialist and owner of a staffing business in Maitland, FL. Brandon shares his journey from a finance graduate to becoming a successful recruiter, offering insights into the proactive approaches of staffing, the importance of vetting candidates, and how businesses can align their hiring processes to achieve growth. Learn about tips on hiring the right people, scaling your business, and maximizing revenue by outsourcing recruitment.

To connect with Brandon:

https://icaconnects.com/

Brandon@ICAconnects.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 for the latest podcast episodes and more from @MillsKnowsBills

00:00 Introduction to Mills Knows Bills

00:59 Meet Brandon Robertson

02:10 Brandon's Career Journey

05:18 Starting a Business During a Pandemic

10:00 The Importance of Hiring the Right People

12:10 Proactive vs. Reactive Recruiting

18:49 Challenges in the Staffing Industry

29:21 Advice for Business Owners and Candidates

36:25 Contact Information and Closing Remarks

#financialpodcast #millsknowsbills #businessfinance #podcast #hiringstrategies #variableincome #smallbusinessowner

Family and Finance: Finding Balance as a Business Owner | The Mills Knows Bills Podcast Episode 44, Season 5

Link to video podcast episode: https://youtu.be/kCErz5p6h6g

Welcome to the Season 5 Finale 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 once again sits down with guests Drew Clukey and Tyler Tebault of Clukey & Tebault for a casual, fun, and engaging conversation. They discuss various topics such as parenting challenges, favorite sports for their kids, and effective financial management. Mills also shares insights into her role as a fractional CFO, the importance of security in business operations, and how her company helps clients with strategic financial planning. Tune in for valuable nuggets of information and a light-hearted discussion on balancing business and family life.

To connect with Tyler and Drew:

Website: https://www.clukeyandtebault.com/

Tel: (904) 679-3119

Email: Info@ClukeyAndTebault.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 from MKB @MillsKnowsBills

00:00 Introduction and Recap 00:38 Hot Seat Questions Begin 00:47 Family Life and Parenting 02:01 Sports Preferences 03:06 Business Philosophy and Operations 07:27 Day-to-Day as a CEO 10:25 Client Acquisition Stories 11:56 Casual Conversations and Wrap-Up

#millsknowsbills #financialpodcast #mkb #podcast #businesstaxes #businessowner #entrepreneurfinances #variableincome

Demystifying Taxes: Insights for Business Owners | The Mills Knows Bills Podcast Episode 43, Season 5

Link to video podcast episode: https://youtu.be/CykZRwgPKZQ

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: https://www.clukeyandtebault.com/

Tel: (904) 679-3119

Email: Info@ClukeyAndTebault.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 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

Finance Meets Fun: Awkward Queries and Financial Wisdom | The MKB Podcast Episode 42, Season 5

Link to video podcast episode: https://youtu.be/YxdpFewH59M

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 entertaining episode, Mills once again welcomes Chloe Peña from Day of Socials. The fun begins with a surprise unscripted start and quickly dives into a series of funny and awkward questions prepared by Josh from C47 Films. Highlights include debates around coaching toddlers versus CEOs, a kitchen-based explanation of ROI, and creative business expense justifications. Mills and Chloe also share personal insights into college experiences, advice on handling business finances, and the importance of intentional communication. Join them for laughter, unexpected revelations, and deep reflections on life as entrepreneurs.

Catch Chloe's previous episode on YouTube:

https://youtu.be/SZrDcmaALXo

To connect with Chloe:

https://www.instagram.com/dayofsocials

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

00:00 Starting Off with a Bang

00:48 Meet the Guest: Chloe Peña 0

1:34 Inappropriate Questions Begin

03:10 ROI Explained with Kitchen Ingredients

05:01 Creative Client Expenses

06:38 Pizza, Cigars, and Personal Preferences

08:11 Quirky Client Requests

10:38 College Lessons and Regrets

15:56 Business Advice for Non-Math People

19:03 Wrapping Up with Inappropriate Questions

#financialpodcast #millsknowsbills #podcast #entrepreneurialfinance #variableincome #socialmediamarketing #socialmediastrategy

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:

https://www.instagram.com/dayofsocials

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 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

Strategic Financing: Essential Tips for Borrowers | The Mills Knows Bills Podcast Episode 40, Season 5

Link to video podcast episode: https://youtu.be/E4kZ8CRQLXE

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 once again by commercial financing expert Brett Childers. This time, Brett takes the lead, asking Mills about how CFOs can help business owners stand out and prepare for successful loan applications. They dive into the intricacies of evaluating solvency, aligning financial strategies with lending requirements, and the importance of knowing your numbers. They also discuss real-life challenges in cash flow management and the nuances of onboarding new clients. Tune in for valuable insights and strategies tailored for both new and seasoned business owners.

To connect with Brett:

321.356.3860

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 for the latest podcast episodes and more from MKB!

00:00 Introduction and Recap

00:35 Turning the Tables: Brett's Questions

00:53 Preparing for Business Loans

03:22 Onboarding New Clients

05:25 Challenges in Business Growth

06:08 Client Success Story

09:00 The Importance of Knowing Your Numbers

11:18 Services and Client Engagement

14:23 Focus on Blue Collar Businesses

16:05 Conclusion and Contact Information

#financialpodcast #millsknowsbills #podcast #entrepreneurfinances #variableincome #businessfinances #commerciallending #businessloans

Commercial Lending: Smart Borrowing for Business Growth | The Mills Knows Bills Podcast Episode 39, Season 5

Link to video podcast episode: https://youtu.be/ptRt4SipoPE

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 welcomes guest Brett Childers, an expert with over 24 years of experience in commercial lending. Brett discusses his transition into consulting for credit unions and small banks to enhance their commercial and small business sectors. The podcast delves into the most common types of business loans, the importance of pairing with the right consultant, and the pitfalls business owners face in securing financing. Brett shares insights on overcoming lending challenges and offers advice on ensuring sustainable business growth. This episode is a must-watch for variable income earners and business owners looking to master their financial strategies by borrowing wisely!

To connect with Brett:

321.356.3860

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

00:00 Introduction to Mills Knows Bills

00:53 Meet Our Guest: Brett Childers

01:29 Brett's Journey in Commercial Lending

02:53 Understanding Business Loans

06:52 The Importance of Debt Service

08:39 Real-Life Lending Stories

20:14 Navigating Business Credit

27:58 Environmental Considerations in Lending

30:34 Final Advice and Contact Information

#financialpodcast #millsknowsbills #podcast #businessinsurance #entrepreneurfinances #variableincome #businessfinances #commerciallending #businessloans

From Cashflow to Marketing: Crucial Financial Metrics | The Mills Knows Bills Podcast Episode 38, Season 5

Link to video podcast episode: https://youtu.be/wf-oDMvCAEk

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 welcomes insurance specialist Jeff Rountree back to the show to continue the conversation about crucial financial metrics every business owner should monitor. Mills highlights the importance of cash flow projection and tracking your company's net worth. They also discuss strategic marketing techniques, particularly the importance of consistency and doubling down during slower seasons. Lastly, Mills provides insightful advice on financial planning to support growth and operational strategies. Don’t miss out on these invaluable tips for ensuring a healthy financial trajectory for your business!

To connect with Jeff:

Website: https://www.therountreeagency.com/

Office phone: 904.539.4637

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

00:00 Introduction and Welcome

00:46 Key Financial Metrics for Business Owners

01:54 Indicators of Financial Health

02:54 Effective Marketing Strategies

05:00 Financial Strategies for Growth

07:04 Conclusion and Next Steps

#financialpodcast #millsknowsbills #podcast #businessinsurance #entrepreneurfinances #variableincome #financialmetrics #businessfinance

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: https://youtu.be/r2iIjRHSod0

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: https://www.therountreeagency.com/

Office phone: 904.539.4637

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 to our YouTube channel for the latest from The Mills Knows Bills Podcast and MKB:

https://youtube.com/@MillsKnowsBills

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

Growth Mindset: How a Growth Mindset Can Lead to Health and Wealth | The MKB Podcast Episode 36, Season 4 Finale

Link to video podcast episode: https://youtu.be/Ny6WMkawLv0

Welcome to The Mills Knows Bills Podcast! Host Mills Bender, founder and CEO of MKB, discusses strategies for business owners and variable income earners to manage their finances effectively. Let's get to those burning financial questions!

Welcome to the final episode of season 4! In this finale, Mills discusses the importance of financial management for blue-collar business owners with Joe Gallo, one of MKB's sales and account managers. Together, they explore how poor financial decisions impact employee morale and business growth, share insights on proactive financial planning, and emphasize the significance of taking care of your team. Don't miss this insightful conversation on mastering fluctuating incomes and creating a financially healthy business environment.

Contact Gallo here for more information:

gallo@millsknowsbills.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 from The Mills Knows Bills Podcast and MKB: https://youtube.com/@MillsKnowsBills

00:00 Welcome to Mills Knows Bills

01:10 Introducing Gallo: A New Perspective

02:21 Challenges Faced by Blue Collar Employees

04:00 The Importance of Financial Management

09:08 Proactive Financial Planning

10:31 Advice for Blue Collar Business Owners

11:45 Conclusion and Contact Information

#financialpodcast #millsknowsbills #MKB #podcast #financialquestions #variableincome #smallbusinessfinance #entrepreneurfinances #growthmindset

Financial Stress: What Causes It, and How Do We Fix It? | The Mills Knows Bills Podcast | Episode 35, Season 4

Link to video podcast episode: https://youtu.be/D7V0md9U_Mk

Welcome to The Mills Knows Bills Podcast! Host Mills Bender, founder and CEO of MKB, 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 of the MKB Podcast, Mills addresses common financial stresses faced by blue collar business owners, with a focus on cash flow management. She discusses the root causes of financial stress, short-term fixes such as cutting expenses and collecting overdue receivables, and long-term strategies like negotiating vendor prices, raising prices strategically, and improving team efficiency. Tune in to learn how to master your money, maintain a steady cash flow, and turn your business into a profitable asset.

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 to the MKB YouTube channel for the latest: https://youtube.com/@MillsKnowsBills

00:00 Introduction to Mills Knows Bills

00:53 Welcome Back: Addressing Business Owners' Financial Questions

01:22 Tackling Financial Stress for Blue Collar Business Owners

03:43 Common Cash Flow Mistakes and Solutions

06:59 Strategies for Maintaining Profitability Without Raising Prices

08:48 Conclusion and How to Get Help from Mills Knows Bills

#financialpodcast #millsknowsbills #podcast #mkb #entrepreneurialfinance #bluecollar #smallbusiness #variableincome

Common Struggles: Everyday Questions for MKB | The Mills Knows Bills Podcast Episode 34, Season 4

Link to video podcast episode: https://youtu.be/k2w8dg0jWKE

Welcome to The Mills Knows Bills Podcast! Host Mills Bender, founder and CEO of MKB, 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 takes a conversational approach, and answers some of the common questions that she gets asked. Along with marketing team member Chloe, she discusses the challenges small business owners face with budgeting and offers tactical advice on establishing and maintaining personal and business budgets. The episode also outlines a step-by-step guide on how to review finances weekly, monthly, and quarterly, emphasizing the importance of proactive financial planning.

Do you have your own burning financial question for Mills or the MKB team?

Contact her here:

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 from MKB: https://youtube.com/@MillsKnowsBills

00:00 Introduction to Mills Knows Bills

01:03 Today's Episode Structure

01:37 Common Financial Questions

02:35 Creating Accurate Budgets

05:05 Implementing Your Budget

05:31 Consistent Financial Reviews

09:32 Long-term Financial Planning

10:43 Conclusion and Next Steps

#financialpodcast #millsknowsbills #MKB #podcast #financialquestions #variableincome #smallbusinessfinance #entrepreneurfinances

Profit Margins: How to Raise Them | The Mills Knows Bills Podcast Episode 33, Season 4

Link to video podcast episode: https://youtu.be/G5bPVlgrgHw

Welcome to The Mills Knows Bills Podcast! Host Mills Bender, founder and CEO of MKB, 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 of the MKB Podcast, Mills is once again joined by fractional CFO Christian Wilson. Together, they tackle a common financial challenge faced by variable income earners: understanding and improving gross profit margin. The pair offer practical advice on renegotiating costs and vendor relationships, strategies for scaling service businesses effectively, and emphasize the importance of aligning business goals with personal aspirations.

Tune in to get the insights you need to make an informed choice for your business. Subscribe for more from Mills Bender and MKB on YouTube: https://youtube.com/@MillsKnowsBills

Connect with Christian: Christian@MillsKnowsBills.com

Do you have your own burning financial question for Mills or the MKB team? Contact her here:

Email: info@MillsKnowsBills.com

Website: https://MillsKnowsBills.com

Instagram: https://instagram.com/@millsknowsbills

LinkedIn: https://www.linkedin.com/company/mills-knows-bills

00:00 Introduction to Mills Knows Bills

00:49 Meet the Team and Today's Question

01:38 Understanding Gross Profit Margin

02:42 Improving Your Gross Profit Margin

06:26 Scaling Your Service Business

08:47 Aligning Business Goals with Personal Goals

10:53 Final Thoughts and Contact Information

#financialpodcast #podcast #millsknowsbills #entrepreneurialfinance #smallbusiness #variableincome #profitmargin #scalingbusiness

Pricing Strategy: Hurting Your Bottom Line? | The Mills Knows Bills Podcast Episode 32, Season 4

Link to video podcast episode: https://youtu.be/s7AID_xDs_0

Welcome to The Mills Knows Bills Podcast! Host Mills Bender, founder and CEO of MKB, 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 welcomes back fractional CFO Christian Wilson to discuss your business's pricing strategy, and how it may be hurting your bottom line. The pair discuss factors that should be included in your pricing decisions, and how those prices may reflect on the products and services being offered. They also address the financial difficulties of slow seasons, and how to keep from running out of money.

Tune in to get the insights you need to make an informed choice for your business. Subscribe on YouTube for more from MKB: https://youtube.com/@MillsKnowsBills

Connect with Christian:

Christian@MillsKnowsBills.com

Do you have your own burning financial question for Mills?

Contact her here:

Email: info@MillsKnowsBills.com

Website: https://MillsKnowsBills.com

Instagram: https://instagram.com/@millsknowsbills

LinkedIn: https://www.linkedin.com/company/mills-knows-bills

00:00 Introduction to The Mills Knows Bills Podcast

01:02 Meet Mills' Special Guest: Christian Wilson

01:25 The Burning Financial Question: How Is My Pricing Strategy Affecting My Bottom Line?

05:45 Follow-up Question: Why Do I Run Out of Money During Slow Seasons?

10:43 Episode Wrap-Up and Contact Information

#financialpodcast #millsknowsbills #entrepreneurialfinance #variableincome #smallbusiness #pricingstrategy #bottomline

Should You Lease or Buy Your Business Vehicle? | The Mills Knows Bills Podcast Episode 31, Season 4

Link to video podcast episode: https://youtu.be/ymKq9lK6QKc

Welcome to The Mills Knows Bills 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 MKB CFO Jen Fizer and special guest Kenney Baez, owner of a wildlife removal and pest control business. They discuss the financial implications of leasing vs. owning business vehicles. The conversation covers hidden costs, tax considerations, and how to make the best decision based on your current financial situation. Tune in to get the insights you need to make an informed choice for your business.

Subscribe on YouTube for the latest from the MKB Podcast, Mills Knows Bills, and CEO Mills Bender!

To connect with Kenney and Freedom Wildlife:

Website: https://freedomwildlife.com/

Connect with Jen:

Jen@MillsKnowsBills.com

Do you have your own burning financial question for Mills?

Contact her here:

Email: info@MillsKnowsBills.com

Website: https://MillsKnowsBills.com

Instagram: https://instagram.com/@millsknowsbills

LinkedIn: https://www.linkedin.com/company/mills-knows-bills

00:00 Introduction to Mills Knows Bills

01:37 Meet the Guest: Kenney Baez

02:14 Leasing vs. Owning a Company Vehicle

03:09 Financial Considerations and Advice

05:45 Pros and Cons of Leasing

11:52 Final Thoughts and Contact Information

#financialpodcast #millsknowsbills #entrepreneurialfinance #variableincome #smallbusiness #podcast

How to Improve Cash Flow for Your Business | The Mills Knows Bills Podcast Episode 30, Season 4

Link to video podcast episode: https://youtu.be/hUS_kUScNYk

Welcome to The Mills Knows Bills 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 discusses strategies for managing cash flow with her guests, fractional CFOs Christian Wilson and Jen Fizer. The episode covers key topics such as understanding cash flow statements, projecting cash flow, and solutions to cash flow problems. The trio share insights on controlling expenses, increasing revenue, and leveraging accounts receivables. They also highlight the importance of having an emergency fund. The episode aims to help business owners with fluctuating income avoid financial pitfalls and achieve their financial goals.

Subscribe on YouTube for the latest from the MKB Podcast, Mills Knows Bills, and CEO Mills Bender!

To connect with Jen and Christian:

Jen@MillsKnowsBills.com

Christian@MillsKnowsBills.com

Do you have your own burning financial question for Mills? Contact her here:

Email: info@MillsKnowsBills.com

Website: https://MillsKnowsBills.com

Instagram: https://instagram.com/@millsknowsbills

LinkedIn: https://www.linkedin.com/company/mills-knows-bills

00:00 Introduction to Mills Knows Bills Podcast

01:02 Meet the Team: Special Guests Jen and Christian

02:32 Understanding Cash Flow Issues

05:04 Strategies to Improve Cash Flow

09:30 Building a Safety Net for Future Cash Flow

11:52 Conclusion and Contact Information

#financialpodcast #millsknowsbills #podcast #entrepreneurfinances #smallbusiness #variableincome #cashflow

Why Your Company Isn't Profitable, and How to Fix It | The Mills Knows Bills Podcast, Season 4

Link to video podcast episode: https://youtu.be/IEg9zy6NV3U

Welcome to the Mills Knows Bills 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 MKB team member Jen Fizer, a seasoned CFO with over a decade of experience. They dive into a pressing question from a listener: "Why is my company not profitable, and what can I do about it?" The conversation covers crucial aspects such as analyzing profit and loss statements, managing operating expenses, renegotiating with vendors, and optimizing revenue streams. They also discuss the importance of collecting accounts receivables on time. Get actionable tips to help your business achieve financial stability and growth. Tune in to master your money and transform your financial future!

Subscribe on YouTube for the latest from Mills Knows Bills:

https://youtube.com/@MillsKnowsBills

To connect with Jen:

Jen@MillsKnowsBills.com

Do you have your own burning financial question for Mills? Contact her here:

Email: info@MillsKnowsBills.com

Website: https://MillsKnowsBills.com

Instagram: https://instagram.com/@millsknowsbills

LinkedIn: https://www.linkedin.com/company/mills-knows-bills

00:00 Introduction to The Mills Knows Bills Podcast

01:04 Special Guest Introduction: Jen Fizer

02:06 "Why Is My Company Not Profitable?"

03:55 Strategies to Improve Profitability

07:12 Accounts Receivables and Profitability

09:51 Conclusion and Contact Information

#financialpodcast #millsknowsbills #entrepreneurialfinance #smallbusiness #variableincome #businessprofit #profitability

Tax Traps to Avoid as Business Owners | The Mills Knows Bills Podcast Season 4 Premiere

Link to video podcast episode: https://youtu.be/tQd0BD-mczM

Welcome back to The Mills Knows Bills Podcast! Let's get to those burning financial questions.

In this season 4 premier episode, host Mills Bender welcomes Paul Childers, owner of Blue Sky Biz Solutions, to discuss the importance of showing profit in a business and avoiding common tax traps. They dive into business credit, why it matters, and how to build it effectively. Learn strategies to manage taxes, protect personal assets, and obtain better financing to scale your business. Tune in to gain insight into mastering your fluctuating income and achieving both personal and professional financial goals!

To connect with Paul:

https://blueskybizpro.com/

https://www.facebook.com/paul.childers.731

Do you have your own burning financial question for Mills? Contact her here:

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 podcast episodes and more from Mills Knows Bills: https://youtube.com/@MillsKnowsBills

00:00 Introduction to Mills Knows Bills

00:53 Season Four Kickoff with Paul Childers

01:22 Understanding Business Credit and Taxes

03:11 Importance of Showing Profits

05:36 Building and Leveraging Business Credit

07:27 How to Improve Your Business Credit Score

08:12 Conclusion and Contact Information

#financialpodcast #MillsKnowsBills #businesscredit #businesstaxes #entrepreneurialfinance #creditscore

Welcome to the Mills Knows Bills 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 finale episode of the Mills Knows Bills podcast, Mills provides a comprehensive guide to understanding and analyzing your profit and loss (P&L) statement. The episode covers key components such as revenue, cost of goods sold (COGS), operating expenses (OPEX), and net income. Mills offers practical tips on diversifying revenue, managing seasonal business fluctuations, negotiating with vendors, and maintaining a healthy profit margin. Whether you're a product-based or service-based business owner, this P&L analysis 101 class will help you make smarter financial decisions and avoid common pitfalls. Tune in to learn how to better handle your fluctuating income and stay on track with your financial goals!

Do you have your own burning financial question for Mills? Contact her here:

Email: info@MillsKnowsBills.com

Website: https://MillsKnowsBills.com

Instagram: https://instagram.com/@millsknowsbills

LinkedIn: https://www.linkedin.com/company/mills-knows-bills

Subscribe for the latest on YouTube: https://youtube.com/@MillsKnowsBills

Link to video podcast episode: https://youtu.be/5MUYVnkmG-I

00:00 Introduction to Mills Knows Bills

00:53 Podcast Overview and Goals

01:26 Understanding Profit and Loss (P&L)

02:01 Revenue Analysis

03:52 Cost of Goods Sold (COGS)

04:49 Operating Expenses (OPEX)

06:39 Net Income and Profit Margin

09:22 Conclusion and Next Steps

#financialpodcast #millsknowsbills #entrepreneurialfinance #variableincome #businessfinances

Welcome to the Mills Knows Bills Podcast! Host Mills Bender, founder and CEO of Mills Knows Bills, discusses strategies for variable income earners to manage their finances effectively. Let's get to those burning financial questions!

Join Mills in this solo cast episode of the Mills Knows Bills podcast as she discusses strategies for mastering fluctuating income and scaling your blue collar business. Mills identifies five common financial pitfalls that entrepreneurs face: lack of planning, mixing personal and business finances, avoidance of financial management, inadequate savings, and unbalanced leverage. Learn practical tips to implement a budget, separate finances, stay proactive in financial planning, build savings, and manage debt to ensure a healthier financial future for your business.

Do you have your own burning financial question for Mills? Contact her here:

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 https://youtube.com/@MillsKnowsBills

Link to video podcast episode: https://youtu.be/dpI7WLlTED4

00:00 Introduction to Mills Knows Bills

00:28 Podcast Overview and Goals

00:53 Answering Common Financial Questions

01:35 Five Common Financial Pitfalls

01:48 Pitfall 1: Lack of Planning

03:11 Pitfall 2: Mixing Business and Personal Finances

04:30 Pitfall 3: Avoidance

06:11 Pitfall 4: Little to No Savings 0

7:18 Pitfall 5: Unbalanced Leverage

08:57 Conclusion and Call to Action

#financialpodcast #millsknowsbills #entrepreneurialfinance #variableincome #businessfinances #financialmistakes #bluecollar

Welcome to the Mills Knows Bills Podcast! Host Mills Bender, founder and CEO of Mills Knows Bills, discusses strategies for variable income earners to manage their finances effectively. Let's get to those burning financial questions!

This episode features a guest appearance by Josh Pies, owner of C47 Digital Studios, to discuss the financial complexities of managing multiple LLCs and the benefits of fractional CFOs. Mills and Josh explore the effectiveness of incorporating separate entities for different business ideas, balancing practicality with legal considerations, and the personal enjoyment they derive from their respective work in finance and entrepreneurship. Josh also shares insights on utilizing podcasts for business development and fostering meaningful relationships. Join the discussion for actionable financial advice and entrepreneurial insights!

To connect with Josh and C47 Digital Studios:

https://c47films.com

https://bootstrappedunicorns.com

Do you have your own burning financial question for Mills? Contact her here:

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 from @MillsKnowsBills

Link to video podcast episode: https://youtu.be/YSsIslQ9Ef8

00:00 Introduction to Mills Knows Bills

01:11 Meet the Guest: Josh Pies

02:04 Burning Financial Questions

03:10 Managing Multiple LLCs

08:40 The Joy of Finance

11:24 Josh Pies on Entrepreneurship

14:40 Conclusion and Contact Information

#financialpodcast #millsknowsbills #entrepreneurialfinance #variableincome #videopodcast #digitalstudios #entrepreneurship

Welcome to the Mills Knows Bills Podcast! Host Mills Bender, founder and CEO of Mills Knows Bills, discusses strategies for variable income earners to manage their finances effectively. Let's get to those burning financial questions!

In this episode, Mills is joined by Jill Healey, a Realtor with Park Life Group at Keller Williams Winter Park in Florida. The conversation delves into budgeting for a Realtor's variable income, planning for business growth, and the potential for using software or hiring an operations person to alleviate non-revenue generating tasks. Jill shares insights from her journey in real estate, her business structure, and the exciting opportunities for growth. If you're looking for advice on managing fluctuating income and boosting your financial stability, this episode is for you! Don't miss Jill’s valuable insights on buying, selling, and investing in real estate. Tune in now!

To connect with Jill:

https://parklifeorlando.com

Look for her on social media: Jill Healey, Park Life Orlando

Do you have your own burning financial question for Mills? Contact her here:

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 from @MillsKnowsBills

Link to video episode: https://youtu.be/hxsTDZ9sTiA

00:00 Introduction to Mills Knows Bills

00:53 Welcome Back and Episode Overview

01:16 Meet Jill Healey

02:31 Jill's Business and Challenges

04:06 Budgeting and Financial Strategy

07:00 Metrics and Performance Tracking

11:41 Hiring and Management Tips

15:42 Jill's Real Estate Journey

16:46 Conclusion and Contact Information

#financialpodcast #millsknowsbills #entrepreneurfinances #variableincome #floridarealtors

Welcome to the Mills Knows Bills Podcast! Host Mills Bender, founder and CEO of Mills Knows Bills, discusses strategies for variable income earners to manage their finances effectively. Let's get to those burning financial questions!

In episode 23, Mills discusses effective marketing strategies with Devin Pope, managing director and senior advisor at Nilsine Partners. Join their insightful conversation on optimizing marketing dollars for small businesses, such as his for high net worth clientele. Learn about the significance of starting a podcast, structuring consistent content, and leveraging social media platforms to build trust and grow your business. Devin also shares his experience in wealth management and financial planning that led to his business ownership. Tune in for practical advice and strategies to enhance your own small business, and to help you make the most out of your marketing efforts (and dollars)!

To connect with Devin:

Website: https://nilsinepartners.com

Email: devinpope@nilsinepartners.com

Do you have your own burning financial question for Mills?

Contact her here:

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 from @MillsKnowsBills

Link to video podcast episode: https://youtu.be/t4Cts00RpgQ

00:00 Introduction to Mills Knows Bills

00:53 Welcome Back to the Podcast: Today's Guest - Devin Pope

01:50 Devin's Financial Question: Maximizing Marketing Dollars

02:46 Mills' Advice: Starting a Podcast

04:58 Consistency in Marketing: Social Media and Podcasts

08:02 Planning and Recording Strategies

11:21 Devin's Business and Services

13:05 Conclusion and Final Thoughts

#financialpodcast #millsknowsbills #entrepreneurfinances #variableincome #smallbusinessmarketing

Welcome to the Mills Knows Bills Podcast! Host Mills Bender, founder and CEO of Mills Knows Bills, discusses strategies for variable income earners to manage their finances effectively. Let's get to those burning financial questions!

In episode 22, Mills welcomes "coffee-preneur" Eric Rowell of Grit and Grind Coffee, a mobile coffee company. The pair discuss common financial mistakes made by new business owners, including the importance of having a financial game plan, accurate bookkeeping, savings, and obtaining a line of credit. Eric shares his journey from real estate to owning several coffee trailers and brick-and-mortar stores, eventually franchising his business. They also cover strategies for optimizing business finances and the potential benefits of outsourcing bookkeeping duties, and more.

Get helpful tips and actionable advice to help you manage and grow your own business.

To connect with Eric:

https://gritandgrind.coffee

Do you have your own burning financial question for Mills? Contact her here:

Email: info@MillsKnowsBills.com

Website: https://MillsKnowsBills.com

Instagram: https://instagram.com/@millsknowsbills

LinkedIn: https://www.linkedin.com/company/mills-knows-bills

YouTube: Subscribe for the latest video podcast episodes from @MillsKnowsBills

00:00 Introduction to Mills Knows Bills

00:28 Podcast Format and Goals

01:14 Introducing the Guest: Eric Rowell

01:30 Eric's Journey in the Coffee Industry

02:05 Eric's Burning Financial Question

02:58 Common Financial Mistakes by Entrepreneurs

03:41 The Importance of Bookkeeping

04:29 Building Savings and Emergency Funds

05:36 Getting a Line of Credit

06:42 Eric's Experience and Challenges

08:29 Outsourcing Bookkeeping

14:15 Grit and Grind: Business Model and Expansion

16:43 Conclusion and Contact Information

Link to video podcast episode on YouTube: https://youtu.be/0NMrjJJFqy8

#financialpodcast #variableincome #millsknowsbills #entrepreneurialfinance #businessmistakes

Welcome to the Mills Knows Bills Podcast! Host Mills Bender, founder and CEO of Mills Knows Bills, discusses strategies for variable income earners to manage their finances effectively. Let's get to those burning financial questions!

In this episode of Mills Knows Bills, Mills welcomes Matthew Wasserman, a personal injury attorney based in Orlando, Florida. Together, they discuss financial strategies vital for growing law firms, including the importance of budgeting, setting up separate accounts for savings, evaluating marketing spend, understanding detailed bookkeeping, and the strategic timing for hiring new staff. Matthew also emphasizes the importance of client experience and constant communication in personal injury cases.

Get helpful tips and actionable advice to help you manage and grow your own business.

To connect with Matthew:

https://millertriallaw.com/attorneys/matthew-b-wasserman/

Do you have your own burning financial question for Mills? Contact her here:

Email: info@MillsKnowsBills.com

Website: https://MillsKnowsBills.com Instagram: https://instagram.com/@millsknowsbills

LinkedIn: https://www.linkedin.com/company/mills-knows-bills

Subscribe for the latest on YouTube for the latest from @MillsKnowsBills

Link to video podcast episode on YouTube: https://youtu.be/vDFqVEq_GCk

00:00 Introduction to Mills Knows Bills Podcast

01:13 Guest Introduction: Matthew Wasserman

01:58 Common Financial Pitfalls for Growing Law Firms

03:24 Detailed Financial Advice for Law Firms

05:32 Q&A: Marketing and Staffing Strategies

10:40 Final Thoughts and Recommendations

13:20 Contact Information and Closing Remarks

#financialpodcast #variableincome #millsknowsbills #entrepreneurialfinance #lawfirmgrowth

Welcome to the Mills Knows Bills Podcast! As always, we look forward to answering your burning financial questions.

In this episode, host and CEO of Mills Knows Bills, Mills Bender, welcomes Kenney Baez of Freedom Wildlife. Although a successful business owner, Kenney struggles to maintain a positive financial mindset. Mills offers valuable tips on how to manage financial stress, reinforce positive financial habits, and the importance of having a supportive community. Tune in to learn how to turn financial struggles into success and meet a proactive "critter gitter" who ensures your home is pest-free and eco-friendly!

To connect with Kenney and Freedom Wildlife:

Website: https://freedomwildlife.com/

Do you have your own burning financial question for Mills? Contact her here:

Email: info@MillsKnowsBills.com

Website: https://MillsKnowsBills.com

Instagram: https://instagram.com/@millsknowsbills

LinkedIn: https://www.linkedin.com/company/mills-knows-bills

Subscribe for the latest on YouTube @MillsKnowsBills

00:00 Introduction to Mills Knows Bills

01:03 First In-Person Podcast Episode with Kenney

01:31 Building a Positive Relationship with Money

02:00 Mindset and Financial Health

04:41 The Importance of Support Networks

06:30 Kenney's Business and Services

07:53 Conclusion and Thanks

#financialpodcast #variableincome #millsknowsbills #entrepreneurialfinance #financialmindset

Welcome back to an all new season of the Mills Knows Bills Podcast! As always, we look forward to answering your burning financial questions. In this season 3 premiere episode, host Mills Bender welcomes Joey Schuster, CEO and founder of Real Review Response.

Let's get to Joey's burning financial question!

Mills and Joey discuss the key factors startup founders should consider when deciding between debt financing and offering equity to investors. Joey also shares insights on maintaining a balance between leveraging debt and having cash on hand, while Mills provides expert advice on business credit scores, strategic planning, and shopping for the best financial solutions. Additionally, Joey introduces his reputation management platform, Real Review Response, highlighting its importance for businesses, especially franchises, in managing reviews and SEO effectively.

To connect with Joey and Real Review Response:

https://realreviewresponse.com/

https://joeyschuster.com/

For the latest from the Mills Knows Bills Podcast, please subscribe on YouTube https://youtube.com/@MillsKnowsBills

And, please feel free to email: info@millsknowsbills.com

Also, you connect with Mills here:

Instagram: https://instagram.com/@millsknowsbills

LinkedIn: https://www.linkedin.com/company/mills-knows-bills

Website: https://MillsKnowsBills.com

00:00 Introduction to Mills Knows Bills Podcast

00:53 Welcome Back and Episode Overview

01:16 Guest Introduction: Joey Schuster

01:33 Debt Financing vs. Equity: Key Considerations

03:30 Factors in Debt Financing

06:33 Balancing Debt and Cash Flow

08:02 Joey Schuster on Reputation Management

11:05 Conclusion and Final Thoughts

#financialpodcast #millsknowsbills #variableincome #entrepreneurialfinance #startup

Welcome to the Mills Knows Bills Podcast! Host Mills Bender, founder and CEO of Mills Knows Bills, discusses strategies for variable income earners to manage their finances effectively. Let's get to those burning financial questions!

In this insightful episode of the Mills Knows Bills podcast, Mills welcomes special guest Christine Chapman, owner of Chapman Education, to share her expertise on navigating the high costs of college tuition. The key topics include making informed college decisions, utilizing scholarships and grants, and financial advice for parents with children heading to college. Tune in to gain valuable tips and learn how to position your family for financial success when it comes to pursuing higher education.

To connect with Christine:

Visit: https://chapmaneducation.org/

Via Instagram: https://www.instagram.com/chapmaneducationorg

For more from Mills Knows Bills, and this podcast, subscribe on YouTube: https://youtube.com/@MillsKnowsBills

Please feel free to email: info@millsknowsbills.com

Also, you connect with Mills here:

Instagram: https://instagram.com/@millsknowsbills

LinkedIn: https://www.linkedin.com/company/mills-knows-bills

Website: https://MillsKnowsBills.com

And remember, if you're interested in taking part of our coaching programs or courses, be sure to mention our podcast to get a special discount!

00:00 Introduction to Mills Knows Bills

00:53 Special Guest: Christine from Chapman Education

03:44 Christine's Burning Financial Question

05:10 Mills' Advice on College Tuition

11:26 Christine's Services and Contact Information

16:23 Closing Remarks and Resources

#financialpodcast #millsknowsbills #variableincome #collegetuition

Welcome to the Mills Knows Bills Podcast! Host Mills Bender, founder and CEO of Mills Knows Bills, discusses strategies for variable income earners to manage their finances effectively. Let's get to those burning financial questions!

*Please note that we had some technical difficulties while shooting this episode. It in no way takes away from the valuable information that you will find!

In this episode, Mills is joined by special guest Hope Soto, a personal injury lawyer from Miami. Hope seeks advice on how to structure her law firm’s budget and manage finances while working on a contingency fee basis. Mills provides detailed strategies, including creating specific savings accounts and using the "profit first" method. The discussion also covers maximizing recovery for emotional damages in injury cases. Tune in for valuable financial tips and resources for financially structuring a legal firm.

To connect with Hope:

Website: https://www.sotolawfl.com/attorney-hope-soto/

Instagram: https://www.instagram.com/hopesoto.esq/

For more from Mills Knows Bills and the podcast, subscribe on YouTube: https://youtube.com/@MillsKnowsBills

Please feel free to email: info@millsknowsbills.com

Also, you connect with Mills here:

Instagram: https://instagram.com/@millsknowsbills

LinkedIn: https://www.linkedin.com/company/mills-knows-bills

Website: https://MillsKnowsBills.com

And remember, if you're interested in taking part of our coaching programs or courses, be sure to mention our podcast to get a special discount!

00:00 Introduction to Mills Knows Bills Podcast

01:07 Special Guest Introduction: Hope Soto

01:56 Hope's Financial Question

02:53 Mills' Financial Advice for Hope

05:30 Implementing Financial Strategies

05:46 Profit First Method Explained

10:01 Hope's Legal Practice and Services

11:57 Conclusion and Final Thoughts

#financialpodcast #millsknowsbills #variableincome #financialstrategy #personalinjurylawfirm

Welcome to the Mills Knows Bills podcast! In this solo cast episode, host Mills Bender, founder and CEO of Mills Knows Bills, explains the role and benefits of a fractional CFO for small business owners. Tune in to learn more about how a fractional CFO can provide high-quality financial management and support for your growing business.

Whether it's through guest speakers, in-depth financial conversations, or a solo cast, Mills Knows Bills aims to help you master your money.

Don't forget to subscribe on YouTube for the latest podcast episodes with answers to your burning financial questions! https://youtube.com/@MillsKnowsBills

You can also find Mills on:

Instagram: https://instagram.com/@millsknowsbills

LinkedIn: https://www.linkedin.com/company/mills-knows-bills

Website: https://MillsKnowsBills.com

00:00 Introduction to Mills Knows Bills

00:54 Understanding the Role of a Fractional CFO

02:12 Why Hire a Fractional CFO?

03:25 Benefits of Hiring a Fractional CFO

04:53 How to Connect with Mills

05:27 Conclusion and Final Thoughts

#financialpodcast #millsknowsbills #variableincome #businessfinances

Welcome to the Mills Knows Bills Podcast! In this episode of Mills Knows Bills, host Mills Bender delivers a solo cast with valuable financial advice for business owners facing slower seasons. Mills discusses strategies such as identifying your slow season through profit and loss analysis, building and utilizing an emergency fund, and effectively using downtime to prepare for peak business periods. Tune in to learn how to manage fluctuating income and achieve your financial goals during your slow seasons! Whether it's through guest speakers, in-depth financial conversations, or a solo cast, Mills Knows Bills aims to help you master your money.

00:00 Introduction to Mills Knows Bills

00:53 Welcome Back and Today's Topic

01:29 Identifying Your Slow Season

01:58 Financial Strategies for Slow Seasons

02:52 Preparing for High Seasons

03:54 Conclusion and Contact Information

Don't forget to subscribe on YouTube for the latest money management tips and answers to your burning financial questions! @MillsKnowsBills

Find Mills on Instagram: https://instagram.com/@millsknowsbills

LinkedIn: https://www.linkedin.com/company/mills-knows-bills

Visit https://MillsKnowsBills.com for more

#financialpodcast #millsknowsbills #variableincome #businessfinances

Welcome to The Mills Knows Bills Podcast! Let's get to those burning financial questions!

Welcome to the Mills Knows Bills podcast! In this podcast, host Mills Bender, the founder and CEO of Mills Knows Bills, discusses practical financial strategies for variable income earners to master their money. This episode welcomes guest Michael Morrow, a seasoned construction expert from Northern Ireland, to share his unique journey of starting his own LLC. Learn about essential financial tips for new businesses, such as personal and business budget planning, revenue goal setting, and the importance of systematic bookkeeping. Michael also delves into his expertise in solving construction problems and offers advice for other entrepreneurs starting out. Don't miss out on this insightful conversation packed with actionable financial insights!

Subscribe on YouTube @MillsKnowsBills for the latest financial advice from Mills Bender. You can also visit https://MillsKnowsBills.com

To connect with Michael: mdmorrow@gmail.com

00:00 Introduction to Mills Knows Bills

00:53 Meet Our Guest: Michael Morrow

01:23 Michael's Background and Expertise

04:11 Michael's Financial Question

05:22 Mills' Financial Advice for New Business Owners

12:44 Michael's Approach to Construction Management

16:35 Conclusion and Contact Information

16:56 Final Thoughts and Resources

#financialpodcast #millsknowsbills #variableincome #moneymanagement #newbusiness #newbusinessfinances

Welcome to The Mills Knows Bills Podcast! Let's get to those burning financial questions!

In this episode of Mills Knows Bills, host Mills Bender welcomes guest Zach Sasser, "The Young Closer," to answer questions on prioritizing cash flow versus appreciation in real estate investments. Drawing from both their extensive experiences, Mills and Zach discuss strategies for achieving financial goals through passive income, the importance of understanding tax advantages, and offer insights from their business journeys. Tune in for practical advice that can help ease variable income earners' minds and achieve financial stability.

To get the latest financial advice from Mills Bender, host and CEO of Mills Knows Bills, subscribe on YouTube @MillsKnowsBills , and visit https://MillsKnowsBills.com

To connect with Zach:

https://facebook.com/realzachsasser

https://www.instagram.com/sasser21

LINK TO YOUTUBE VIDEO: https://youtu.be/Pe6o7kS_lXg

00:00 Introduction to Mills Knows Bills

01:01 Meet Our Guest: Zach Sasser

01:27 Zach's Financial Background

03:07 The Big Question: Cash Flow vs. Appreciation

06:27 Understanding Passive Income and Taxes

09:41 Zach's Business Insights and Contact Info

11:19 Closing Remarks and Resources

Welcome to The Mills Knows Bills Podcast! Let's get to those burning financial questions!

In this episode of the "Mills Knows Bills" podcast, host Mills Bender, founder and CEO of Mills Knows Bills, welcomes Scott Rammage from Hire VP to discuss how variable income earners can effectively manage their finances. Scott, a long-time friend and business owner, seeks advice on separating savings for business and personal expenses. Mills provides valuable insights into budgeting, saving, and utilizing high-yield savings accounts for financial stability. This episode offers practical tips for business owners to scale efficiently using virtual professionals, making it a must-watch for entrepreneurs aiming to grow their businesses and achieve financial freedom.

Subscribe on YouTube @MillsKnowsBills for the latest financial advice from Mills Bender. You can also visit https://MillsKnowsBills.com

To connect with Scott:

https://www.facebook.com/scott.rammage.7

https://www.vamediamachine.com/

LINK TO YOUTUBE VIDEO: https://youtu.be/hKROO0Q2j2Q

00:00 Introduction to Mills Knows Bills

01:03 Guest Introduction: Meet Scott

01:57 Scott's Burning Financial Question

02:26 Personal Financial Advice

03:48 Business Financial Advice

04:43 Clarifying Payroll Buffers

08:36 Scott's Business Insights

12:02 How to Connect with Scott

13:01 Closing Remarks and Resources

#millsknowsbills #personalfinance #variableincome #financialpodcast

Welcome to the Mills Knows Bills Podcast!

In this episode of the "Mills Knows Bills" podcast, host Mills Bender, founder and CEO of Mills Knows Bills, welcomes Clifton Muckenfuss, a serial entrepreneur and business coach. Together they discuss tailored financial strategies for entrepreneurs, the importance of setting personal financial goals, and the best investments to secure long-term wealth. Clifton shares insights from his extensive experience in growing and scaling businesses, offering practical advice for small business owners. Tune in to learn how to manage your variable income, invest wisely, and achieve financial freedom.

Subscribe on YouTube @MillsKnowsBills for the latest financial advice from Mills Bender. You can also visit https://MillsKnowsBills.com

To Connect with Clifton:

Website: https://your-small-business-coach.com/

LI: https://www.linkedin.com/in/cliftonmuckenfuss

FB: https://www.facebook.com/topcontractorcoach/

IG: https://www.instagram.com/yoursmallbizcoach/

00:00 Introduction to Mills Knows Bills

01:01 Meet Clifton Muckenfuss: The Motivation Guru

01:38 Clifton's Journey and Expertise

02:52 Financial Strategies for Entrepreneurs

06:10 Getting Started with Investments

08:29 Clifton's Business Coaching Insights

10:37 Connecting with Clifton

12:25 Closing Remarks and Resources

#personalfinance #personalfinance #variableincome #financialpodcast #millsknowsbills

Welcome to a new season of the Mills Knows Bills Podcast! Join host Mills Bender as she discusses with her guests strategies for variable income earners to master their finances.

In the season premier of the Mills Knows Bills podcast, host Mills Bender, founder and CEO of Mills Knows Bills, speaks with guest Hugo Perez about managing money with a variable income. Hugo, a 25-year-old entrepreneur in the furniture and mattress industry, also delves into art dealing and financial literacy. They discuss the concept of passive income, investment strategies, and the necessary upfront work required to achieve financial goals. Whether you are just starting to invest or already have substantial funds, this episode offers valuable insights into mastering your finances and making smart investments.

Please subscribe on YouTube @MillsKnowsBills for the latest podcast episodes!

For more, visit: https://www.millsknowsbills.com

To connect with Hugo: https://www.instagram.com/hperez1598/

call or text: 512.637.1750

00:00 Introduction to Mills Knows Bills

00:53 Season Two Kickoff with Hugo Perez

01:27 Hugo Perez's Background and Interests

02:16 Exploring Passive Income

04:00 Investing Strategies and Personal Insights

05:44 Creating Digital Products for Passive Income

09:20 Final Thoughts and Contact Information

10:36 Closing Remarks and Disclaimer

#millsknowsbills #personalfinance #personalfinance #variableincome #financialpodcast

Welcome to the Mills Knows Bills podcast! Join host Mills Bender as she discusses with her guests strategies for variable income earners to master their finances.

In the season finale of the Mills Knows Bills podcast, host Mills Bender, alongside special guest Megan Fitzpatrick, founder of The Fitz Solution, dive into the complexities of managing variable incomes and the importance of financial education. The episode covers various topics, from the relevance of cryptocurrency investments to empowering teenagers towards fulfilling futures. Megan shares her journey from a high school math teacher to an entrepreneur, highlighting her initiative, The Ultimate Selfie, aimed at helping teenagers discover their identities and aspirations. Additionally, the podcast addresses the significance of parental support in exploring non-traditional educational paths for their children. The episode concludes with Megan offering free resources for teenagers and their families, emphasizing the importance of diversification in investments and education as keys to financial freedom.

To connect with Megan:

FB: https://www.facebook.com/thefitzsolution

IG: https://www.instagram.com/thefitzsolution

Website: https://www.thefitzsolution.com/

If you enjoyed this content, please subscribe @MillsKnowsBills

For more from Mills, visit: https://www.MillsKnowsBills.com

00:00 Welcome to the Mills Knows Bills Podcast: Mastering Your Money

00:53 Season Finale Special: Guest Megan Fitzpatrick Joins the Show

01:51 To Crypto or Not: Navigating Financial Investments

03:41 Empowering the Next Generation: Megan's Mission

05:36 Advice for Parents: Understanding and Supporting Your Child's Path

07:11 How to Connect with Megan and Access Free Resources

08:15 Wrapping Up the Season: A Heartfelt Thank You

PODCAST TOPIC KEYWORDS:

Mills Bender, Megan Fitzpatrick, Fitz Solution, crypto, financial education

Welcome to the Mills Knows Bills podcast! Join host Mills Bender as she discusses with her guests strategies for variable income earners to master their finances.

In this episode of the Mills Knows Bills podcast, host Mills Bender is joined by guest Jon Sansone. The discussion focuses on financial strategies for individuals with fluctuating incomes, aiming to alleviate the struggles of living paycheck to paycheck and accelerating debt payoff. Mills provides valuable insights on monetizing a newly acquired lake house through short-term rental options, emphasizing the importance of community regulations, marketing strategies, financial planning, and insurance considerations. In addition, Jon shares his expertise on 'power selling', discouraging sales out of desperation and promoting a strong sales strategy. The episode also highlights the availability of free financial resources, coaching programs, and a special discount for podcast listeners.

To connect with Jon:

https://saleswarriorinspire.com/

https://www.linkedin.com/in/jon-saleswarrior-116328225

If you enjoyed this content, please subscribe @MillsKnowsBills For more, visit https://www.MillsKnowsBills.com

00:00 Welcome to Mills Nose Bills Podcast: Mastering Your Money

01:05 Guest Introduction and Financial Question: Monetizing a Lake House

01:39 Expert Advice: Turning Your Property into a Profitable Rental

05:49 Insurance and Financial Planning for Your Rental Property

07:25 Power Selling: Strategies for Business Owners

09:23 Ideal Clients and Professional Sales Training

10:07 How to Connect with John for Sales Mastery

11:00 Thank You and Final Thoughts

PODCAST TOPIC KEYWORDS:

Mills Knows Bills, Mills Bender, Jon Sansone, Variable Income, Rental Property

Welcome to the Mills Knows Bills podcast! Join host Mills Bender as she discusses with her guests strategies for variable income earners to master their finances. The episode features guest Ashley Herrera, a mortgage expert and TV host, who shares insights on assisting elderly clients with limited financial resources in purchasing homes. They explore solutions such as building additional dwellings on existing properties and seeking investments, focusing on serving clients without traditional proof of income. Herrera details a nationwide investment program facilitating property purchase and financing. Contact information for further assistance is provided, alongside encouragement for listeners to utilize the podcast's resources for financial betterment and offers for coaching programs or courses with a special podcast discount. The episode emphasizes individual consultation for specific advice, reinforcing its educational intent.

To connect with Ashley:

Website: https://www.theashleyherrera.com

Call or text: (325) 340-3324

For more, visit: https://www.MillsKnowsBills.com

00:00 Welcome to the Mills Knows Bills Podcast!

00:53 Introducing Our Special Guest: Ashley

01:27 Ashley's Burning Financial Question

02:52 Creative Solutions for Elderly Financial Support

05:21 Investment Opportunities and Nationwide Programs

06:20 How to Contact Ashley for More Options

07:07 Gratitude and Additional Resources

08:06 Important Disclaimer and Closing Remarks

Topic Keywords;

Mills Knows Bills, Mills Bender, Ashley Herrera,

How to Handle Volatile Financial Markets | The Mills Knows Bills Podcast

Welcome to the Mills Knows Bills Podcast! The podcast aims to assist variable income earners in mastering their finances within 90 days, focusing on transitioning from paycheck-to-paycheck living to achieving personal and professional financial goals. In this episode, host Mills Bender is joined by guest Barry Botwin, a seasoned mortgage lender from Cross Country Mortgage. Bender and Botwin discuss the uncertainty of the financial markets in the coming year, touching upon factors like elections, wars, and how these could affect interest rates and consumer behavior. They explore strategies for financial resilience, including diversifying income streams, planning personal and business finances, reducing debt, and building an emergency fund. Botwin shares insights into his work with a range of clients, from first-time homebuyers to luxury property purchasers, and offers his contact information for those seeking mortgage advice. The episode emphasizes the importance of controlling personal finances amidst market unpredictability, with Bender sharing her personal journey of how Mills Knows Bills was born out of crisis and uncertainty.

To reach out to Barry: Call or text the office 7 days a week, 7am–7pm at (407)768-3242

Email: barry.botwin@ccm.com

If you enjoyed this content, please like, share, and subscribe on YouTube for the latest! https://www.youtube.com/@MillsKnowsBills

For more information, please visit https://www.millsknowsbills.com

00:00 Welcome to Mills Knows Bills: Mastering Your Money

00:53 Introducing Guest Barry Botwin: A Mortgage Lending Expert

02:03 Navigating Financial Uncertainty: Tips and Strategies

08:20 Barry's Insight on the Mortgage Industry and Client Advice

10:50 How to Connect with Barry for Mortgage Assistance

11:47 Gratitude and Resources for Financial Growth

12:40 Closing Remarks and Disclaimer

Topic Keywords:

Mills Knows Bills, financial markets, Barry Botwin, Cross Country Mortgage, mortgage

Welcome back to the Mills Knows Bills podcast! In this episode, host Mills Bender, CEO of Mills Knows Bills, chats with guest Brady Slack, managing partner at High Country Finance and co-founder of the software company Stacked. They discuss the attributes of their best clients, emphasizing the importance of a positive money mindset and the willingness to put in the work. Slack shares his perspective on effective client relationships from an accounting and tax planning viewpoint, highlighting the benefits of viewing financial professionals as partners and the potential for making more money while paying fewer taxes. Listeners are encouraged to reach out to their own advisors and professionals for personalized financial or tax advice, ensuring a comprehensive approach to managing individual financial situations.

If you enjoyed this content, subscribe to the Mills Knows Bills YouTube page for the latest! https://www.youtube.com/@MillsKnowsBills

For more information, please visit https://www.millsknowsbills.com

00:00 Welcome to Mills Knows Bills: Mastering Your Money

00:53 Special Guest Introduction: Brady Slack

01:39 The Key Traits of the Best Clients

04:05 Exploring Financial Strategies and Client Relationships

06:51 How to Connect with Brady Slack for Financial Guidance

07:43 Wrapping Up: Resources and Thanks

09:33 Final Thoughts and Disclaimer

In this episode of the Mills Knows Bills podcast, host Mills Bender, founder and CEO of Mills Knows Bills, interviews Shawn Lane, CEO and founder of FRS Credit, a credit repair company. They discuss strategies for people with variable incomes to manage their money effectively, focusing on paying off credit card debt and investing for retirement concurrently. Shawn asks Mills if those buried in credit card debt should still invest for retirement, given the high interest rates on such debts. Mills advocates a balanced approach to managing debts, savings, and investments simultaneously. He explains the debt stacking method for paying off debts and stresses the importance of having an emergency fund and investing early for retirement. Shawn shares insights into his ideal clients - people motivated to improve their credit scores for significant life purchases, and emphasizes the importance of proactively monitoring and managing credit. The episode wraps up with contact information for FRS Credit for those interested in seeking credit repair services or advice.

If you enjoyed this content, please like and share, and subscribe for the latest! https://www.youtube.com/@MillsKnowsBills

For more information, please visit https://www.millsknowsbills.com

00:00 Welcome to the Mills Knows Bills Podcast: Mastering Your Money

00:53 Special Guest Shawn Lane: Tackling Credit Repair and Financial Questions

02:05 Investing vs. Paying Off Credit Card Debt: An In-Depth Discussion

04:01 Strategies for Debt Payoff and Financial Planning

07:47 Exploring Options for High Credit Card Debt Holders

11:41 The Ideal Client for Credit Repair Services

14:05 Proactive Credit Monitoring and Improvement Tips

16:19 How to Contact Sean for Credit Analysis and Advice

17:58 Closing Thoughts and Resources for Financial Growth

Mastering Your Finances: An Insight Into Variable Income Handling and Real Estate Investment In this episode of the Mills Knows Bills Podcast, host Mills Bender is joined by CEO and Founder of Mills Knows Bills, Mills Bender, and real estate entrepreneur Robert Ortiz. They discuss the challenges and strategies associated with managing variable income within a 90-day timeframe. Mills provides practical advice on setting a budget including accounting for future tax obligations, reinvesting in the business for long term growth, and saving for an emergency fund. Robert shares his non-traditional approach to real estate investment which involves flipping land to builders. He also highlights the potential for new team members, sellers, and buyers or builders to join his operations. The episode concludes with Mills suggesting available resources, including coaching programs and courses, for those interested in improving their finances. 00:00 Introduction to the Podcast 01:04 Guest Introduction: Robert Ortiz 01:54 Rob's Burning Financial Question 02:39 Establishing a Budget for Personal Finances 03:42 Creating a Business Budget 04:42 Managing Extra Revenue and Establishing an Emergency Fund 06:36 Reinvesting Profits for Business Growth 10:00 Rob's Real Estate Investment Strategy 13:15 Connecting with Rob 14:16 Conclusion and Final Thoughts

The Mills Knows Bills Podcast: Mastering Money and Handling Large Cash Influxes In this podcast episode of the Mills Knows Bills, CEO and Founder Mills Bender has a deep financial discussion with a guest, Doug, who shares his success in building sales teams for Fortune 500 companies and his recently founded individual coaching and consulting endeavor. Mills advice is targeted largely towards variable income earners and his episode focuses on discussing strategies for managing a sudden influx of cash. Mills' suggestions include prioritizing the development of a fully-funded emergency fund, paying off any debt over 10%, and correctly diversifying one's investments. Doug and Mills also discuss the need to delegate roles in business to surpass the seven-figure revenue ceiling. The podcast offers free resources and coaching services to help individuals level up their finances. 00:00 Introduction to the Podcast 01:03 Guest Introduction and Conversation Start 02:22 Guest's Financial Question: Handling Large Cash Influx 04:12 Strategies for Managing Large Cash Influx 08:36 Guest's Reflections and Insights 12:11 Guest's Business and Contact Information 14:38 Closing Remarks and Podcast Disclaimer KEYWORDS: Mills Knows Bills variable income earners master your money paycheck to paycheck guest hosts financial question sales teams small business owners emergency fund outstanding debt large cash influx investing back into the business diversify investments celebrating the win debt payoff

Watch this episode & more at: https://www.youtube.com/@MillsKnowsBills E83: Sales Taxes Across State Lines & Tax Procrastination from a "VIN HENRY" In this episode of the Mills Knows Bills Podcast, Mills Bender, founder and CEO of Mills Knows Bills, embarks on a financial enlightenment journey with his business friend, Dimitri. Dimitri, a dance shoe distributor from North Carolina, seeks advice about handling sales taxes collected at events during his travels across states. Mills offers insightful tips and encourages Dimitri to consult CPA who understands the intricacies of performing business across different states. The duo also discusses Dimitri's procrastination in submitting his sales tax and the repercussions of consistent failure in submission. The overall episode promotes financial independence, smart money handling, and encourages listeners to reach out for any queries. 00:00 Introduction to Mills Knows Bills Podcast 00:54 New Season Announcement and Guest Introduction 01:26 Guest Interview: Dimitri's Journey and Financial Question 02:33 Understanding Sales Tax for Businesses 05:25 Consequences of Delayed Sales Tax Submission 07:32 Closing Remarks and Resources 08:32 Disclaimer and Final Words KEYWORDS: Mills Knows Bills Podcast fluctuating income living paycheck to paycheck guest hosts burning financial question taxes collected at events sales tax rate setting aside submitting sales tax bureaucratic minutia failing to submit sales tax penalties adulting free resources financial advice

Welcome to the Mills Knows Bills podcast, where we empower you to achieve your financial aspirations. In today's episode, Brett Roos, one of our talented financial coaches, delves deep into the significance of celebrating our financial achievements, no matter how small they may seem.

Drawing from two decades of experience as a variable income earner, Brett shares his perspective on why it's so essential to recognize our progress. He unveils personal stories and insights that illuminate the emotional journey many face when confronting their financial realities. Get ready to discover actionable strategies to shift your mindset, focusing on the rewards of your journey rather than the hurdles.

Dive in now, and let's celebrate every financial win together! #MillsKnowsBills #CelebrateYourWins #FinancialMindset

Dive deep into an intriguing conversation between Mills Bender and Dream4 Coach Glenn Lewis as they navigate their way from the bustling streets of Athens to the confines of a colorless hotel room.

They discuss the challenges of modern-day leadership, the power dynamics in the professional world, the impact of cultural influences, and the art of bilingualism.

All the while, they uncover the beauty and nuances of human connection across generations. Whether you're a traveler, entrepreneur, or someone in between, this episode is bound to leave you with profound insights about life, leadership, and the endless roads in between.

Step into the daily grind of modern entrepreneurship with Jaime Nolan and Mills Bender as they unpack the nuances of effective time management, the power of networking, and the mindset shift necessary for financial success.

Listen to Jaime’s unique approach to dividing her workdays, the importance of setting boundaries, and the revelations from meetings with influential personalities like Amy and Carol.

Whether you’re navigating your entrepreneurial journey or just curious about what happens behind the scenes, this episode offers an authentic glimpse into the life of driven professionals, their strategies, and the powerful impact of a positive money mindset.

Plus, find out about the exciting offers from the Animal Collective that aims to revolutionize the learning experience for budding entrepreneurs.

Dive into this episode of the "Millsknowsbills podcast" where host Mills Bender chats with Winter Park realtor, Robert Aviles.

With over two decades of experience spanning from the streets of Manhattan to the sunny coasts of Florida, Robert shares his journey, insights, and the value of mastering one's finances.

Whether you're eyeing the Central Florida housing market or just aiming to up your financial game, this episode is packed with wisdom you won't want to miss.

Join us for stories, strategies, and the simple joys of 'adulting'.

Join us for an impromptu Zoom meeting turned podcast episode as Mills Bender and Brett Roos dive deep into Reddit's most intriguing money-related questions. In this 30-minute recording, they discuss a range of financial dilemmas, starting with a compelling question: "Should I take a $10,000 pay cut for a potentially more rewarding job?"

Brett Roos, a financial coach at MKB, and Mills Bender, the founder and CEO of Mills Knowsbills, share their expert insights and perspectives on this thought-provoking query. They explore the financial implications of such a decision, touching on tax considerations, budget adjustments, and long-term financial goals. But it's not all about the numbers. They also emphasize the importance of personal fulfillment and happiness when making financial choices. Discover how prioritizing your well-being can lead to a more meaningful life and potentially even greater financial success.

Whether you're a finance enthusiast or simply seeking advice on life-altering money decisions, this episode promises to be both informative and entertaining. Tune in to hear how Brett and Mills navigate the wild world of personal finance and provide practical advice for real-life situations. Don't miss out on this engaging and insightful conversation.

For more money and business hacks, check out our free Facebook group called Road To Financial Freedom https://www.facebook.com/groups/millsknowsbills

In this heart-touching episode of Mills Bender’s podcast, we are honored to host the extraordinary Carol Cho. Her life narrative, evolving from the daughter of immigrant parents to a beacon of financial empowerment, is a tale steeped in resilience, learning, and immense personal growth.

Join us as Carol unravels her life’s journey. From facing financial devastation as a divorcee and minority woman to her transformation into a fervent financial advisor, her story is a beacon of hope and a testament to the power of determination and education.

Tune in to hear Carol shed light on the human side of financial stories, reflecting on her own trials, such as leaving her marital life with nothing, battling the starving artist stereotype, and rising from the ashes to claim her worth, both financially and personally. She delves into the importance of advocating for oneself and the transformative impact of financial education, something she passionately advocates for today.Carol’s mission is clear: to infuse as many women’s hands with wealth as possible, empowering them to change the world.

And in this episode, she shares practical insights and offers a guiding hand to all listeners eager to embark on their journey to financial autonomy.Be inspired by Carol’s heartfelt conversation with Mills Bender, and arm yourself with the knowledge and mindset needed to take control of your financial destiny. Listen in as Carol touches on every critical aspect of transcending financial struggle, embodying empowerment, and the importance of self-belief in the journey to financial security and abundance.

Don't miss this incredible episode filled with wisdom, authentic experiences, and a roadmap to financial empowerment with Carol Cho on Mills Bender's podcast. Subscribe, tune in, and let the journey to empowering wealth begin!

In this riveting episode of Mills Bender's podcast, we dive deep with Conrad Ruiz, the visionary founder of WellAware.Me. Ever felt like there aren't enough hours in the day? Conrad uncovers the transformative potential of automation and the invaluable role of Virtual Assistants (VAs) in today's busy world. Learn how integrating these tools and techniques can not only streamline your business processes but also gift you the luxury of time. Whether you're an entrepreneur on the grind or someone just looking to make the most out of their day, this episode is a must-listen. Plus, discover the myriad ways in which WellAware.Me can revolutionize your personal and professional life.

Want to delve deeper into the world of automation and VAs? Connect with Conrad Ruiz directly! Reach out to him at wellaware.me

In today's episode, Frederick Zada, founder of ICB Firearms, shares his inspiring journey into the world of firearms, starting from his deep-rooted family passion for guns. He discusses the creation of ICB Firearms, shedding light on the unique brand identity and its ties to his rich cultural background. His story takes a heartfelt turn as he talks about the tragic loss of his brother and how it pushed him to take the leap into the business world. The COVID-19 pandemic, protests, and riots acted as catalysts, providing unexpected boosts to his venture. Mills Bender of millsknowsbills.com joins the conversation, praising Frederick's resourcefulness and dedication. The two delve deep into the challenges Frederick faced, particularly his struggles with trust due to past experiences and the financial hurdles he had to overcome. The conversation reveals Frederick's mission to foster unity in the community, emphasizing mutual respect irrespective of political affiliations. Mills, the financial guru, reflects on the successes and challenges in their working relationship and lauds Frederick's future vision. The episode concludes with Frederick giving insights into the firearms world, highlighting the importance of safety, knowledge, and community-building. If you're looking for a blend of business insights, personal growth, and community vision, this episode is a must-listen!

Join Mills on this episode of the "Master Your Money" podcast where she dives deep into mastering finances and scaling businesses. Special guest Andrea Seeger-Doring, a marketer, business coach, and founder of "Team Up to 10x", shares her personal struggles with money, the challenges she faced in merging business and household finances, and the transformative journey she took to conquer her financial insecurities. Andrea unveils her mission to empower women, minority, and veteran-owned businesses, shedding light on her ambitious goal of building a million-dollar business in just 90 days. Listen in for actionable insights on creating sustainable growth strategies, understanding ROI, and the importance of accountability in the marketing world. This episode is a must-listen for anyone looking to elevate their financial game and business acumen

We’re gearing this conversation towards our client, Vin Henry. VIN as in variable income earner and HENRY as in high earner, not rich yet. Today, we’re diving deeper into how Vin Henry can create stability within their finances by following our five step framework: mindset, budgeting, debt payoff, saving and investing.

What You’ll Learn:

The 4 buckets of money mindset based on your childhood experience
The 3 steps to setting a budget: identifying mandatory expenses, determining base income goals, and considering extras for debt payoff, savings, and investing
Debt snowball vs debt stacking payoff strategies
Emergency funds should cover 3 to 9 months of personal and business expenses for variable income earners or business owners
Examples of how varying investment yields compare over long periods of time. Each decade you wait will mean you need to invest 3 times as much money to achieve the same result.
Starting your financial journey with mindset and budgeting, even if they're not perfect, is crucial.

The Money and Business Mastermind program offers weekly meetings, recorded workshops, access to our Facebook group, all courses and webinars, and 30% discounted one-on-one financial reviews. The topics covered include money mindset, budgeting, sales goals, debt elimination plans, automating finances, income taxes, investing, insurances, and financial and business strategies. Spots for the Mastermind program are limited, and an application process is required.

More of Mills Knows Bills:

Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: https://www.youtube.com/millsknowsbills

Current Resources: https://linktr.ee/millsknowsbills

Friendly reminder that Mills Knows Bills is general and educational in nature and does not constitute tax, investment, legal, or financial advice with respect to any particular individual or taxpayer. Please consult your own advisors regarding your own unique situation.

Today we're gonna talk about the variable income earner survival guide, or the five emotional and practical steps to a strong financial foundation.

What You’ll Learn:

Mindset:

Money mindset is crucial for understanding your relationship with money and the obstacles you’ll face in the journey to financial success.

It is an ongoing process of improvement and growth.

Budgeting:

Budgeting is essential for variable income earners to manage fluctuating income effectively.

Start with identifying mandatory living and debt expenses to determine your minimum income goal.

Include extra expenses to establish a stretch goal, considering the extras in your life.

Connect your income with your sales or business performance to achieve your stretch goal.

Savings & Insurance:

As a variable income earner, building savings is vital to cover expenses during low-income months.

Having an emergency fund acts as self-insurance, preventing reliance on credit cards.

Proper insurance coverage is necessary to protect your financial progress in various areas of life.

Debt Payoff:

Expedite debt payoff to minimize costs and improve financial stability.

Aim to pay off high-interest debt, such as credit cards, to save on interest expenses.

Balance debt payoff with saving to ensure you have a safety net during low-income periods.

Investing:

Saving alone won't make you rich; investing is crucial for long-term wealth accumulation.

Take advantage of recession periods to invest and capitalize on potential opportunities.

Investing allows your money to work for you, providing long-term returns and financial growth.

The goal is not just to control your money but to master it. Take ownership of your financial situation and actively implement the knowledge and resources available at MKB.

More of Mills Knows Bills:

Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: https://www.youtube.com/millsknowsbills

Current Resources: https://linktr.ee/millsknowsbills

Friendly reminder that Mills Knows Bills is general and educational in nature and does not constitute tax, investment, legal, or financial advice with respect to any particular individual or taxpayer. Please consult your own advisors regarding your own unique situation.

As business owners a lot of us are visionaries. We get distracted by shiny objects and oh my gosh, look a squirrel! So where do you focus your attention within your business?

What You’ll Learn:

Using numbers to tell the story of your business and identify inefficiencies
How to develop your business’s unique value proposition and marketing message
Finding a sales strategy that fits your personality
The power of starting with your why
The value in taking time to celebrate your wins

Who is Jim Roman?

Jim Roman is a highly accomplished professional with over 20 years of experience in driving revenue for business owners. As the Director of Results at Business Owners Institute, Jim utilizes his expertise as a motivational and inspiring speaker, trainer, and coach/consultant to guide organizations towards uncovering their true sources of motivation and success. Prior to his current role, Jim made a significant impact as the driving force behind the introduction of Business Networking International (BNI) in Central Virginia and the Shenandoah Valley region. In less than six years, he transformed BNI from a fledgling endeavor to a thriving community of 1600 members, earning himself a well-deserved spot in the BNI Hall of Fame. Throughout his impressive career, Jim has worked with numerous renowned businesses, including Chick-fil-A, Handyman Matters, SNAP Fitness, DoodyCalls, and many others. In addition, he has collaborated with esteemed associations such as the Florida Association of Chamber Professionals, National Association of Residential Property Managers, and BNI. His keynote speeches and seminars empower people to take action, emphasizing that implementation is the key to driving real results.

Follow Jim:

Website: https://www.jimromanonline.com/

More of Mills Knows Bills:

Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: https://www.youtube.com/millsknowsbills

Current Resources: https://linktr.ee/millsknowsbills

Friendly reminder that Mills Knows Bills is general and educational in nature and does not constitute tax, investment, legal, or financial advice with respect to any particular individual or taxpayer. Please consult your own advisors regarding your own unique situation.

Wait, who are these other coaches you’ve been hearing on the Mills Knows Bills podcast? Let’s take today to get to know them, their best and worst financial decisions, favorite money books and tips, and the types of clients they gravitate towards working with.

Who are the MKB coaches?

Steffany Medina - A UCF graduate who found herself with over $45,000 worth debt in student loans who now helps creatives find financial independence.

Brett Roos - Born in the Pacific Northwest, he now calls his hometown, Austin, Texas. With a background in auto sales, he now specializes in helping salespeople and musicians reach their financial goals.

Chase Garrett - To Chase, faith is everything. He comes from the oil industry and made money mistakes early on, and now focuses on helping blue collar workers achieve financial success.

Reach Out to a Coach:

https://calendly.com/millsknowsbills

Mentions:

Richest Man in Babylon: https://www.amazon.com/Richest-Man-Babylon-George-Clason/dp/1505339111

I Will Teach You To Be Rich: https://www.amazon.com/Will-Teach-You-Be-Rich/dp/0761147489

Rich Dad Poor Dad: https://www.amazon.com/Rich-Dad-Poor-Teach-Middle/dp/1612680194

The Fearless Money Mindset: https://www.amazon.com/Fearless-Money-Mindset-Broke-Doesnt/dp/173483000X

More of Mills Knows Bills:

Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: https://www.youtube.com/millsknowsbills

Current Resources: https://linktr.ee/millsknowsbills

Friendly reminder that Mills Knows Bills is general and educational in nature and does not constitute tax, investment, legal, or financial advice with respect to any particular individual or taxpayer. Please consult your own advisors regarding your own unique situation.

I Will Teach You To Be Rich

Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not!

The Fearless Money Mindset: Broke Doesn't Scare Me

Richest Man in Babylon - Original Edition

An entrepreneur who isn’t good at sales has one expensive hobby. It’s critical you develop a sales strategy that can identify with your ideal prospect’s needs. Kyle will teach you where to start.

What You’ll Learn:

How to prospect your target clients by creating a customer profile, value statement and understanding their pain points

Developing product and/or service market fit

Why introverts make for the best salespeople

The longevity in placing your client before the commission

Calculating your closing ratio

Understanding where to double down in your marketing efforts

Who is Kyle Slaymaker?

Kyle is a Navy veteran and three times best selling author whose mission is to empower businesses to effectively communicate their unique value and connect with their target audience through expert branding and sales training. His company The Slaymaker Success Method has been featured in Authority Magazine, BillionSuccess, SellingPower, and The Central Penn Business Journal. Largely considered one of the fastest rising business coaches and consultant teams in the country, Kyle and his team provide not just the expertise on how to scale businesses to over 8 figures in revenue but to also start and grow your business without losing sight of who you are and why you are doing it.

Mentions:

Slaymaker Success Summit: www.theslaymakermethod.com/summit

Follow Kyle:

Website: https://www.theslaymakermethod.com/

LinkedIn: https://www.linkedin.com/in/kyleslaymaker/

Instagram: https://www.instagram.com/slaymakermethod/?hl=en

Phone number: 717-823-9029

More of Mills Knows Bills:

Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: https://www.youtube.com/millsknowsbills

Current Resources: https://linktr.ee/millsknowsbills

Friendly reminder that Mills Knows Bills is general and educational in nature and does not constitute tax, investment, legal, or financial advice with respect to any particular individual or taxpayer. Please consult your own advisors regarding your own unique situation.

Why is personal finance so dang complicated? And does it need to be? Today, you’ll find out how three easy steps can serve as the foundation for your financial success.

What You’ll Learn:

When do people default to operating out of a state of fear rather than abundance?
In times of economic downturn, how can you position your business to come out successful?
Why recessions lead to creative destruction
You can do 90% of investing with only 10% of the knowledge
The three golden rules to personal finance
Technology grows your slice of the pie over time and investing is your ticket in

Who is Jesse?

Jesse Cramer is the founder of The Best Interest, a personal finance blog he started in 2018 while working as a mechanical engineer. Jesse's passion for helping people improve their personal finances led him to write and share his insights publicly. The Best Interest has since gained recognition, including a nomination for "Personal Finance Blog of the Year" in 2022 and media features on CNBC, MSN, the Motley Fool, Yahoo Finance, and more. Jesse has since left engineering to pursue his mission of helping people with their personal finances at a fiduciary wealth management firm.

Mentions:

Episode 34 with Jesse Cramer: https://podcasts.apple.com/us/podcast/e34-key-takeaways-from-our-financial-journeys-featuring/id1578877075?i=1000556952168

https://open.spotify.com/episode/1TboN5XtXPWbMilzGu5vbz

Follow Jesse:

Listen to the Best Interest Podcast at https://podcasts.apple.com/us/podcast/the-best-interest-podcast/id1553180943

https://open.spotify.com/show/1fTBctyjPWhK1MLnYCMpJH

Check out the Best Interest Blog at bestinterest.blog

Contact me at jesse@bestinterest.blog

More of Mills Knows Bills:

Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: https://www.youtube.com/millsknowsbills

Current Resources: https://linktr.ee/millsknowsbills

Friendly reminder that Mills Knows Bills is general and educational in nature and does not constitute tax, investment, legal, or financial advice with respect to any particular individual or taxpayer. Please consult your own advisors regarding your own unique situation.

Don’t we all wish that one day we’d wake up and all of our money problems were gone? While that’s a tad unrealistic, you can change your money situation.

What You’ll Learn:

How budgeting can gamify your finances
Crafting a strategy for snowballing debt
Why money doesn’t change people, it enhances them
The generational effect money has on not just wealth, but behaviors we pass along to in our family
A lot of people will work 90% of their life to enjoy the last 10%. How to narrow that gap
Where does this shame, guilt and embarrassment of money taboo come from

More of Mills Knows Bills:

Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: https://www.youtube.com/millsknowsbills

Current Resources: https://linktr.ee/millsknowsbills

Friendly reminder that Mills Knows Bills is general and educational in nature and does not constitute tax, investment, legal, or financial advice with respect to any particular individual or taxpayer. Please consult your own advisors regarding your own unique situation.

Many variable-income earners struggle to make the most of their finances because they don’t know what they can consistently count on each month. Mastering these four components: mindset, budgeting, valuing and investing in yourself, and implementation, will grant you the foundation to achieve all of your financial goals.

What You’ll Learn:

How do you optimize your money mindset as a way to provide the foundation to make sound financial decisions?
When the first step of creating a budget normally starts with income, what’s a framework that’ll work best for variable income earners who can’t plan for consistent earnings?
With 98% of the people struggling to charge what they’re worth, how does one calculate their hourly rate?
How can you create room in your budget to invest in yourself and your business?
Encouragement to do something about your finances. Use the tools and resources we mention to start implementing everything we’ve talked about, however small.

Mentions:

Profit First: https://mikemichalowicz.com/profit-first/

E63 Scarcity Mindset: https://podcasts.apple.com/us/podcast/e63-is-scarcity-mindset-jeopardizing-your-financial/id1578877075?i=1000599269922

E64 Self-Worth vs Net Worth: https://podcasts.apple.com/us/podcast/e64-self-worth-vs-net-worth-wheres-the-difference/id1578877075?i=1000601756200

Get your copy of our FREE Budget Setting Tool by subscribing to our email list found on our website: www.millsknowsbills.com/resources

More of Mills Knows Bills:

Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: https://www.youtube.com/millsknowsbills

Current Resources: https://linktr.ee/millsknowsbills

Friendly reminder that Mills Knows Bills is general and educational in nature and does not constitute tax, investment, legal, or financial advice with respect to any particular individual or taxpayer. Please consult your own advisors regarding your own unique situation.

As an individual or business owner, how do you identify your core values? How do you use your core values to attract the right people, create purpose, and expand the scope of your business?

Who is Jonathan Lautermilch?

Jonathan is the founder of Smart Shark, a company focused on scaling small businesses, coaches and consultants. He is also the founder of Fit Pro Collective, a professional fitness mastermind aimed at serving fitness professionals and gym owners to help expand their business models, mindsets, hiring and team member development. He’s been refining his business’s core values for over six years, and believes you should, too.

What You’ll Learn:

The importance of defining your core values as a variable income earner and business operator
How to attract talent that knows how to think rather than what to think when it comes to solving problems for your business
We don’t control what happens to us, but we do control how we react to what happens to us, and that is a non-negotiable mindset to master
The Celery Test framework for making decisions
How to say no to an opportunity that doesn’t align with your values
How to invest in yourself in a way that avoids filling the endless void of lack of confidence
The difference between fake it til you make it vs believe it til you achieve it
How to value your time and discern the difference between working on the business vs working in the business

Mentions:

Simon Sinek’s Circle of Trust: https://www.ted.com/talks/simon_sinek_why_good_leaders_make_you_feel_safe?language=en

Follow Jonathan:

Facebook: https://www.facebook.com/jonathan.lautermilch

Facebook Group: https://www.facebook.com/groups/realtalkwithrealbizpros

More of Mills Knows Bills:

Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: https://www.youtube.com/millsknowsbills

Current Resources: https://linktr.ee/millsknowsbills

Friendly reminder that Mills Knows Bills is general and educational in nature and does not constitute tax, investment, legal, or financial advice with respect to any particular individual or taxpayer. Please consult your own advisors regarding your own unique situation.

Brick by brick you can slowly start to build a solid foundation for your finances. But where do you start? Establishing your self-worth both personally and as an entrepreneur is crucial to a sustainable financial journey.

Are you working with the right clients, and are you charging enough?

How are you investing both time and money into your financial future?

As a business owner, where can your controllables be adjusted?

Self-worth is not the same as net worth. Variable income earners have to identify the gaps between the two to achieve financial success. Join the Mills Knows Bills community to take your first steps in creating a support group for both your business and financial goals.

Start by getting your copy of our FREE Budget Setting Tool by subscribing to our email list found on our website: www.millsknowsbills.com/resources

More of Mills Knows Bills:

Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: https://www.youtube.com/millsknowsbills

Current Resources: https://linktr.ee/millsknowsbills

Friendly reminder that Mills Knows Bills is general and educational in nature and does not constitute tax, investment, legal, or financial advice with respect to any particular individual or taxpayer. Please consult your own advisors regarding your own unique situation.

Do you have a financial scarcity mindset? Mills identifies seven ways to know if these limiting beliefs are holding you back. And if so, how do you move towards a life full of financial abundance?

Your brain wants to be right. So much so that it'll try to prove itself right. That’s why reframing your mindset in a positive way is a powerful tactic when it comes to achievement.

The first step to financial literacy is to have a realistic approach to your finances. A realistic approach means establishing a budget that aligns with your goals. This will give you just enough discipline for the present, but allows you to set yourself up for future success. And small changes will have a long lasting impact. So be consistent.

More of Mills Knows Bills:

Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: https://www.youtube.com/millsknowsbills

Current Resources: https://linktr.ee/millsknowsbills

Friendly reminder that Mills Knows Bills is general and educational in nature and does not constitute tax, investment, legal, or financial advice with respect to any particular individual or taxpayer. Please consult your own advisors regarding your own unique situation.

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.

In this episode Mills was excited to speak with Evan Johnson about the world of podcasting and how small businesses and entrepreneurs are increasingly using the podcast medium to both promote their brand and gain new clients. In this interview, Evan explains how he went from editing his entrepreneurial mother's podcast in High School to owning his own podcast production company at the age of 24.

In addition to discussing his own entrepreneurial journey, Evan also lets listeners know about the nuts and bolts of creating your own podcast and how getting started is easier than you might think. Mills also speaks with Evan about starting her show and how the content created for podcasts can be used in so many other promotional and educational platforms such as Instagram Reels, Facebook posts, audiograms, and more!

Topics Include:

How Businesses Use Podcasts
Podcasts as a Promotional Tool
The Cost of Creating a Podcast
When to Outsource Editing
Tips for Creating Quality Content

_____________________________________

Follow Evan:

Website: https://pathtopodcastsuccess.com/

Instagram: https://www.instagram.com/evanjohnsonpodcast

Facebook: https://m.facebook.com/profile.php?id=100012678490353

Linkedin: https://www.linkedin.com/in/evanjohnson98/

_____________________________________

Follow Mills Knows Bills:

Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: https://www.youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills

LinkedIn: https://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills

This week on Mills Knows Bills, Mills interviews business coach and entrepreneur Tomas Keenan about his journey to success within small business ownership. Tomas candidly shares with listeners the mistakes he made when starting his first small business and how he used that knowledge to press forward into more successful ventures.

Mills and Tomas discuss the importance of knowing your skill set and more importantly your value to the company you run. Tomas also breaks down key formulas that allow small business owners to get a better understanding of when to outsource tasks and when to hire new people. In his unique and straightforward style, Tomas shares stories from his journey that will both inspire and inform while keeping the facts real with the audience and not sugarcoating the reality that is small business ownership!

Topics Include:

Common Mistakes When Starting a Small Business
The Importance of Knowing Your Hourly Wage
Time Management and How It Affects Your Business
The Value of Having a Business Mentor
Knowing When to Outsource Tasks

_____________________________________

Follow Tomas:

Instagram: https://www.instagram.com/theintegratorcoach/?hl=en

Facebook: https://www.facebook.com/tomaskeenan.tci/

Book: https://www.tomaskeenan.com/

Linkedin: https://www.linkedin.com/posts/tomas-keenan

_____________________________________

Follow Mills Knows Bills:

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TikTok: https://www.tiktok.com/@millsknowsbills

LinkedIn: https://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills

This week on Mills Knows Bills, Mills addresses some of the key financial fears that all entrepreneurs and small business owners encounter. Mills knows as well as anyone the obstacles and frustrations that face all new entrepreneurs and in this episode she tackles these headaches head-on.

Breaking down topics like when to hire and when to fire, this episode also hits on the key points of valuing your own time and how to grapple with the age-old question that plagues all entrepreneurs, and self-employed workers…when to say yes to new clients and more importantly when to say no!

Topics Include:

Fears When Investing in Your Business
Financial Principles for New Hires
Knowing the Value of Your Skills
The Liberating Power of Saying No

_____________________________________

Follow Mills Knows Bills:

Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: https://www.youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills

LinkedIn: https://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills

With Halloween upon us, Mills addresses one really scary thing in our world…money! The reality is that money affects every decision we make in life, however, the sometimes scary thought of money does not have to be constant fear.

Mills breaks down how a combination of mindset, budgeting, risk management, and seeking professional help can control your fears when it comes to money and tame the money monster that so often haunts us all.

Topics Include:

Money and Mindset
How Budgeting Controls Fear
Conquering Your Financial Foes
Seeking Professional Advice

Follow Mills Knows Bills:

Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: https://www.youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills

LinkedIn: https://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills

This week on Mills Knows Bills we reach the exciting conclusion to our six-part mini-series telling the story of Mills' home ownership odyssey. In this episode, Joe and Mills finally close on the home of their dreams after all the drama, setbacks, and doubt they endured during this house hunting journey.

In this episode Mills lays out the incredible string of blessings and happy surprises that awaited her and Joe during the closing process. Mills also explains how their preparation and thorough budgeting placed them in a position to maximize savings during the final phases of their purchase while acknowledging how blessed they are to have found a beautiful home for their family that not only checked all their boxes but sets them up for financial growth and freedom well into the foreseeable future.

Topics Include:

The Importance of Patience When Home Buying
Maximizing Savings Through Preparation
Key Budgeting Factors When Closing
How Equity Factors Into Financial Freedom

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Follow Mills Knows Bills:

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This week on Mills Knows Bills we reach the penultimate episode of our mini-series telling the story of Mills' home ownership odyssey. In this episode, Joe and Mills dive deep into the Orlando real estate market and discover the sometimes disappointing and frustrating reality of making offers on homes, only to lose out to other buyers.

Despite these setbacks, Mills tells the story of how she finally discovered the perfect home for her, Joe, their dog Bear, and the coming Bender baby! Mills breaks down the particulars of their offers and unpacks some of the complications with the real estate market including the reality of rising interest rates and how she and Joe coped with this trend in their budget. In this episode, listeners will finally see how Mills' preparation met this opportunity and how luck had nothing to do with it.

Topics Include:

The Importance of Persistence when House Hunting
How Lot Size and Location can Determine Pricing
How Interest Rates Affect Home Buying Decisions
Being Prepared When Opportunity Strikes

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Follow Mills Knows Bills:

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This week on Mills Knows Bills we continue our mini-series telling the story of Mills' home ownership odyssey. In this episode, we pick up the story with Mills and her husband Joe as they face difficult choices in the wake of a tumultuous real estate market in South Florida. Mills breaks down how, by sticking to their budget and not allowing emotions to not get in the way of sound decision-making, she and Joe were able to quickly make a transition back to Orlando despite the news of her pregnancy and the many other changes occurring in their lives and the real estate market.

Mills also explains how by being prepared for such setbacks and continuing to trust their instincts she and Joe were able to not settle on a home that would be far outside their budget and non-negotiable terms but set themselves up for an exciting conclusion to this story by being patient and trusting that markets and circumstances would change in time.

Topics Include:

Setting Non-negotiables When House Hunting
The Importance of Sticking to a Firm Budget
The Difficulty of Leaving Emotions Out of Finances
How Partners Working as a Team Can Benefit Everyone

Follow Mills Knows Bills:

Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: https://www.youtube.com/millsknowsbills

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LinkedIn: https://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills

This week on Mills Knows Bills we continue our mini-series telling the story of Mills' home ownership odyssey. In this episode, we pick up the story with Mills and her husband Joe as they face difficult choices in the wake of a tumultuous real estate market in South Florida. Mills breaks down how, by sticking to their budget and not allowing emotions to not get in the way of sound decision-making, she and Joe were able to quickly make a transition back to Orlando despite the news of her pregnancy and the many other changes occurring in their lives and the real estate market.

Mills also explains how by being prepared for such setbacks and continuing to trust their instincts she and Joe were able to not settle on a home that would be far outside their budget and non-negotiable terms but set themselves up for an exciting conclusion to this story by being patient and trusting that markets and circumstances would change in time.

Topics Include:

Setting Non-negotiables When House Hunting
The Importance of Sticking to a Firm Budget
The Difficulty of Leaving Emotions Out of Finances
How Partners Working as a Team Can Benefit Everyone

Follow Mills Knows Bills:

Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: https://www.youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills

LinkedIn: https://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills

This week on Mills Knows Bills we continue our mini-series telling the story of Mills' home ownership odyssey. In this episode, we pick up the story with Mills and her husband Joe as they decide to make a final transition from Tampa to Miami permanently as they grow their family. Mills shares how working with true real estate professionals was the key to maximizing the return on their Tampa town-home investment and how the crazy COVID real estate market ended up working in their favor.

In addition, Mills talks about her preparation for relocating and the importance of finding a home that she and her family could grow into through the coming decade. More than any other episode in our mini-series thus far, this installment proves Mills' motto that “Luck is when preparation meets opportunity.”

Topics Include:

The Volatility of Real Estate Markets
The Importance of Hiring True Professionals
Achieving Top Dollar on Your Home Sale
How Preparation Is Key When Buying a Home

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Follow Mills Knows Bills:

Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: https://www.youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills

LinkedIn: https://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills

This week on Mills Knows Bills we continue our mini-series telling the story of Mills' home ownership odyssey. In this episode, we pick up the story with Mills and her husband Joe as they decide to make a final transition from Tampa to Miami permanently as they grow their family. Mills shares how working with true real estate professionals was the key to maximizing the return on their Tampa town-home investment and how the crazy COVID real estate market ended up working in their favor.

In addition, Mills talks about her preparation for relocating and the importance of finding a home that she and her family could grow into through the coming decade. More than any other episode in our mini-series thus far, this installment proves Mills' motto that “Luck is when preparation meets opportunity.”

Topics Include:

The Volatility of Real Estate Markets
The Importance of Hiring True Professionals
Achieving Top Dollar on Your Home Sale
How Preparation Is Key When Buying a Home

_____________________________________

Follow Mills Knows Bills:

Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: https://www.youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills

LinkedIn: https://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills

This week on Mills Knows Bills we continue our mini-series sharing the story of Mills' home ownership odyssey. We pick up the story during Mills and her husband Joe’s transition from Tampa to Miami and the challenges that arose while renting their Tampa townhome. Mills explains how times of financial stagnation can be frustrating to those with specific financial goals but can prove to be valuable long-term.

In addition to telling the story of her move, Mills also briefly addresses the challenges both financially and emotionally that COVID had on her and Joe and how the reality of the pandemic placed some of her financial goals on hold while they, like the rest of us, weathered the storm.

Topics Include:

How Home Ownership affects Mobility
The Pros and Cons of Renting a Home
The Challenges of Real Estate During COVID
Dealing with Times of Financial Stagnation

Follow Mills Knows Bills:

Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: https://www.youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills

LinkedIn: https://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills

This week on Mills Knows Bills we continue our mini-series sharing the story of Mills' home ownership odyssey. We pick up the story during Mills and her husband Joe’s transition from Tampa to Miami and the challenges that arose while renting their Tampa townhome. Mills explains how times of financial stagnation can be frustrating to those with specific financial goals but can prove to be valuable long-term.

In addition to telling the story of her move, Mills also briefly addresses the challenges both financially and emotionally that COVID had on her and Joe and how the reality of the pandemic placed some of her financial goals on hold while they, like the rest of us, weathered the storm.

Topics Include:

How Home Ownership affects Mobility
The Pros and Cons of Renting a Home
The Challenges of Real Estate During COVID
Dealing with Times of Financial Stagnation

Follow Mills Knows Bills:

Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: https://www.youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills

LinkedIn: https://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills

This week on Mills Knows Bills we are kicking off a new mini-series for the month of September that will be focused on the journey towards and process of buying a home. Mills will be sharing stories from her and her husband’s life that will give listeners insight into what decisions need to be made during this process as well as some tips and tricks to look out for when it comes time for you to buy a home.

By framing this mini-series in a storytelling format, Mills hopes to be able to convey this vital information in a way that is not just dull financial numbers, but rather a story of her journey and the inevitable highs and lows of that process. In this first installment, we will hear about her first home purchase and some of the things that she learned along the way while getting a peek into some of the savings strategies that she employed to take this first milestone step in her family’s life!

Topics Include:

The Journey of Buying a Home
Priorities When Looking for a Home
What Home Ownership Teaches Us
Tricks to Keep Closing Costs Down

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Follow Mills Knows Bills:

Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: https://www.youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills

LinkedIn: https://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills

This week on Mills Knows Bills we are kicking off a new mini-series for the month of September that will be focused on the journey towards and process of buying a home. Mills will be sharing stories from her and her husband’s life that will give listeners insight into what decisions need to be made during this process as well as some tips and tricks to look out for when it comes time for you to buy a home.

By framing this mini-series in a storytelling format, Mills hopes to be able to convey this vital information in a way that is not just dull financial numbers, but rather a story of her journey and the inevitable highs and lows of that process. In this first installment, we will hear about her first home purchase and some of the things that she learned along the way while getting a peek into some of the savings strategies that she employed to take this first milestone step in her family’s life!

Topics Include:

The Journey of Buying a Home
Priorities When Looking for a Home
What Home Ownership Teaches Us
Tricks to Keep Closing Costs Down

_____________________________________

Follow Mills Knows Bills:

Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: https://www.youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills

LinkedIn: https://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills

Throughout the month of August, Mills Knows Bills has been covering a host of topics relating to financial goals and how to achieve them. In this final episode of the financial goals series, Mills shares a little secret that is not often addressed when you do finally reach the goal or goals that you have been saving towards…it feels kind of weird!

The thing about saving is that it becomes a habit and like any habit, it develops into a routine that becomes part of our daily, weekly, or monthly schedule. When you do reach a financial goal for say a downpayment on a house it can be a bit odd and even a little scary to see all that money seemingly “disappear” all at once.

Mills is here to remind us that large purchases such as a house don’t simply obliterate the huge amount of savings required to obtain them, but rather, your money has simply switched from a liquid asset to a large piece of equity. Yes, it can still feel a bit scary to have spent all that money on one purchase, but remember that by doing so you are putting your money to work for you, and barring any unforeseen disaster or market collapse you will get that money back and more when it comes time for you to sell your home and take the next step in your financial journey and more importantly your life journey!

Topics Include:

The Strange Feeling of Reaching a Goal
How Liquidity Becomes Equity
The Power of Good Financial Habits
Continuing to Make Long-Term Goals

Follow Mills Knows Bills:

Website: https://www.millsknowsbills.com

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LinkedIn: https://www.linkedin.com/in/ameliabender

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In this special continuing micro-pod series of Mills Knows Bills, Mills points out some of the critical distractions she has observed keeping her clients from achieving their financial goals. After an informal survey of clients, Mills has noticed that the trends of dining out, coffee consumption, and excess shopping account for the main distractions or habits that are holding people back from saving for their higher priorities.

In this episode Mills addresses how you can reign in these distractions by creating a budget that will free you from the excesses of some of these choices while empowering you to prioritize your spending on the things that truly matter to you. Listeners will learn the basics of developing a budget that allows you to both enjoy life now, while still considering your future!

Topics Include:

Common Financial Distractions
The Freedom of Budgeting
Prioritizing Your Spending
Adjusting For Variable Income

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Follow Mills Knows Bills:

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Instagram: https://www.instagram.com/millsknowsbills

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LinkedIn: https://www.linkedin.com/in/ameliabender

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In this special micro-pod edition of Mills Knows Bills, Mills breaks down the rules of the financial “game” that we all are playing by laying out the four guidelines that everyone must ask before making financial decisions. Often times families or individuals strive to complete financial milestones without asking these four key questions which can lead to frustration or even failure.

In this episode, Mills will help you avoid this frustration by laying out each key question and why they asked both before and during key financial decisions. She lays out how to ask these four simple questions: how much money do I need, by when do I need it, what obstacles stand in the way to this goal, and finally, can I truly afford it?

This deceptively simple quartet of questions is vital to both developing your goals and establishing the budget that will allow you to win this “game of goals” and find financial freedom!

Topics Include:

Understanding the Rules of Finances
Asking the Right Questions about Budgeting
How Much Money You Need to Achieve Your Goal
Establishing a Timeframe for Your Goals
Forecasting Potential Obstacles
Determining if Your Goals are Realistic

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Follow Mills Knows Bills:

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In this episode of Mills Knows Bills, Mills shares the highlights from a webinar she conducted for a group of small business owners and variable income earners. During this webinar Mills lays out the fundamental first steps of mastering your money without stress and fear by organizing your finances in a way that works for you and not against you.

Gig workers and variable income earners can often struggle with reaching their financial goals as their income can often oscillate up and down during a given year. In this episode Mills will show listeners how to plan ahead for these changes by implementing what she calls practical budgeting.

Despite what many people might think a budget cannot simply be solved by making more money. In the practical budgeting system Mills shows the importance of tailoring a budget that's the best fit for you. When you begin to master this system you discover that budgeting and financial planning is not a set of rules that stifle your favorite parts of living, but rather a map to show how you can maximize your money in a way that allows you to truly start living!

Topics Include:

What Does It Mean to Master Your Money?
The Importance of Establishing a Budget
Defining Practical Budgeting
How Good Budgets Free Rather Than Restrict
The Pros and Cons of the Envelope System

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Follow Mills Knows Bills:

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Produced by: https://socialchameleon.us/

In this special episode of Mills Knows Bills, Mills’ teammate Steffany Medina answers some common questions about planning for your retirement and financial future. Steffany unpacks some of the basic budgeting tricks that you can use to both forecast and maximize your return on investments, IRA yields, and interest-bearing accounts.

Steffany also walks listeners through getting started with a budgeting calculator while also addressing questions about reducing your tax liabilities and what financial tools are available to help you make the most out of your retirement accounts and investments.

Planning for your future can seem like a daunting task, but in this episode we discover that taking some simple steps and the beginning of your journey can go a long way towards giving you peace of mind about your future and the future of your family!

Topics Include:

Planning for Your Retirement
Maximizing Your 401K
Reducing Tax Liabilities
Navigating a Budgeting Calculator
Diversifying Your Investments

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Budgeting Calculator Link: https://www.calculator.net/finance-calculator.html

Schedule a call with Steffany: https://calendly.com/millsknowsbills-steffany/15min-1?back=1&month=2022-07

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Follow Mills Knows Bills:

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This week we’re doing something different! We’re bringing you a replay of Mill’s interview on Mike’D Up! with Mike DiCioccio. Mills shares her story of creating Mills Knows Bills and unpacks important info on common financial planning that wasn’t taught in school!

EVERYONE tuning in will benefit from this interview…because there’s a 100% chance that you fall into one of these buckets…either you WANT to get your money right…you NEED to get YOUR money right…or your money is FLOWING and you want to keep it GROWING.

Enjoy this replay!

Full Interview on YouTube:

https://www.youtube.com/watch?v=4yHsTysNbSg

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Follow Mike: https://linktr.ee/mikedicioccio

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Follow Mills Knows Bills:

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Produced by: https://socialchameleon.us/

In this episode of Mills Knows Bills, Mills continues to offer valuable guidance on preparing for an uncertain financial landscape. In last week's episode, we covered how to recession-proof your finances. This week, Mills explains how to structure your budget and finances in a way that ensures you are doing everything you can to protect your future.

Mills covers how to form and structure a budget that takes the essentials into account while ensuring proper allocation of debt payments as well as discretionary income. In addition, Mills covers the basics to consider while paying off debt and making choices for building up your emergency fund while beginning to invest more so your money is truly working for you!

Topics Include:

Defining Mandatory Expenses
Structuring a Proper Budget
Small Steps for Paying off Debt
Defining Discretionary Income
Proper Saving for Investments

Follow Mills Knows Bills

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In this episode of Mills Knows Bills, Mills shares 5 easy to implement tips for recession-proofing your finances while the financial markets have been anything but stable over the past year. As the country and world continue to struggle with the lingering effects of the pandemic, supply chain issues, and rising inflation, many consumers are tightening their belts in anticipation of a possible recession.

In this episode, Mills lays out some basic steps that can be taken to avoid financial calamity regardless of market realities. Mills covers some of the basic tenets of budgeting while explaining why simply saving your money is not always the best way to see a maximum return on your hard earned money.

Regardless of your financial status or the status of the economy, this episode is a must listen for those wanting to put measures in place to protect themselves in the uncertain waters that we may be sailing into in the months and years to come!

Topics Include:

The Vital Nature of Budgets
The Importance of Emergency Funds
How Insurance Can Mitigate Risk
How Investing Can Outpace Inflation

Follow Mills Knows Bills

Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

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In this episode of Mills Knows Bills, Mills challenges listeners to begin dreaming, and preparing for the financial life that they want and not the financial life they currently have. Mills guides us through the basic fundamentals of setting yourself up for success by breaking down some of the steps she has implemented in her own business over the past few years.

Mills shares how through the use of detailed goal tracking and knowing your numbers you can begin to break down milestones and achievements that begin to show a more clear and achievable path towards success and get yourself off of the hamster wheel of surviving every day only wishing for the financial future you deserve.

Topics Include:

Planning for Your Future
The Importance of Budgeting
Breaking Down Financial Goals
The Fundamentals of Goal Tracking

Follow Mills Knows Bills

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Instagram: https://www.instagram.com/millsknowsbills

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In this episode of Mills Knows Bills, Mills continues to educate listeners about both the basics and the sometimes elusive details of income taxes. Mills shares key moments from a webinar hosted for Small Business Owners and Self-Employed workers. In addition, she continues to illuminate and instruct listeners on the fundamentals of income taxes and how to properly prepare for tax season.

Topics Include:

The Reality of Income Taxes
How Income Taxes Are Calculated
Budgeting For Income Tax
Saving on Your Income Taxes
Understanding Tax Brackets

Follow Mills Knows Bills

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In this episode of Mills Knows Bills, Mills welcomes tax expert Barbara Schreihans to the podcast to unpack some key tax strategies for self-employed workers and small business owners. Barbara is the founder of Your Tax Coach, a boutique tax accountancy and tax strategy firm for US-based entrepreneurs and online business owners whose mission is to save business owners money on their taxes while helping them strategize and plan for the future.

Barbara and Mills unpack the various types of tax liabilities and formations of tax structures while explaining the difference between an LLC, C-corp, and S-corp business. In addition to exploring various business structures, Barbara also explains the vital importance of planning ahead for tax season and how having a highly trained, professional bookkeeper can make all the difference when it comes to saving thousands of dollars in state, federal, and payroll taxes.

If you're a small business owner or self-employed, this is a must listen episode for you! Avoid amateur mistakes and take the first step towards securing a healthy future for you and your business by listening to an expert and ensuring that your business is paying the absolute minimum in taxes, beginning today!

Topics Include:

Understanding the Different Types of Tax
C-corp vs. S-corp Structures
The Importance of Good Bookkeeping
Maximizing Your Potential Write Offs
Understanding Your States Tax Policies

Follow Barbara:

Your Tax Coach Website: https://www.yourtaxcoach.biz/

Instagram: https://www.instagram.com/yourtaxcoach/?hl=en

Write Off Your Life Courses: https://www.yourtaxcoach.biz/courses

Follow Mills Knows Bills

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In this special Memorial Day micro-pod, Mills shares a small bit of advice on retirement planning and the importance of the 4% rule when it comes to saving and investing for your future. Oftentimes it can be confusing and overwhelming to think about how much money one needs to save in order to live the lifestyle they want during retirement.

Mills shows how by planning ahead and using this simple 4% rule of thumb you can prepare for the future while knowing almost precisely what you need to save in order to achieve your dreams and keep enjoying backyard barbecues and Memorial Day gatherings with family and friends well into your retirement years and beyond!

Topics Include:

Rules of Thumb for Retirement
Calculating Retirement Cost
The Importance of Retirement Planning
Retirement on Your Terms

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In this episode of Mills Knows Bills, Mills shares with listeners a Q&A session that she conducted on Instagram Live centered around the importance of developing and sticking to a budget that works well for you.

In this Q&A, listeners submitted a variety of questions ranging from starting a budget to avoiding unnecessary spending by using a budget as a guideline for proper spending and saving.

Mills also addresses some of the most common challenges that individuals and families face who might be developing or implementing budgets for the first time while also addressing a variety of additional financial tips.

Topics Include:

The Importance of Budgeting
How to Begin Making a Budget
Avoiding Unnecessary Spending
Developing Healthy Saving Habits
How Higher Education Impacts Budgets

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In this episode of Mills Knows Bills, Mills continues the themes from Episode 37 by exploring further comparisons between personal finance and personal fitness. Mills lays out 4 major similarities of both practices beginning with the importance of developing both financial and physical guidelines that focus not on restrictive measures, but instead emphasize sustainable and attainable habits.

Mills then goes on to break down the importance of consistency in both disciplines and how being consistent in our budgets and fitness is far more important than trying to be perfect. Along similar lines, she then explores how dedication to a given discipline actually creates the motivation to continue.

In conclusion, Mills reminds us of the importance of celebrating the small victories in our lifestyle choices and how taking the long-term view of both your financial and physical health is always the most effective way to generate truly lasting results.

Topics Include:

The Similarities of Fitness and Finance
Restricted Versus Sustainable Lifestyles
Consistency Compared to Perfection
How Dedication Creates Motivation
The Importance of Celebrating Small Wins

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In this episode of Mills Knows Bills listeners are invited to check out the audio from a special webinar that Mills conducted on April 27th with tax expert Dion Rincon. In this webinar Mills and Dion address a wide variety of tax questions and concerns that face small business owners and self-employed workers.

Starting from the basics of what taxes are and how tax brackets are determined, Mills and Dion break down everything you need to know about getting yourself, your LLC, or your small business on the right track towards an effective and simplified tax strategy.

This episode is a must listen for any entrepreneur or self-employed worker looking to both minimize their tax payments, maximize their potential write offs, and forecast any potential tax issues or liabilities that their employment status might bring about in 2022!

Topics Include:

Breaking Down Various Tax Categories
Calculating Your Current Tax Bracket
Understanding the Different Types of Tax
The Importance of Forecasting Your Tax Liability
What Exactly Is a Tax Write-off?
How to Minimize Your Tax Liabilities
How Taxes Differ for Self-Employed Workers
Strategizing Quarterly Tax Payments
When and When Not to Register a C Corp
Using Quickbooks to Simplify Your Taxes

Click here to access the goodies Dion and I talk about!

https://view.flodesk.com/pages/6255782f88ee7df09474fb18

Follow Dion:

Linkedin: https://www.linkedin.com/in/rincondion

Website: https://drbsllc.com/

______________________________

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In this episode of Mills Knows Bills, Mills shares the audio from an Instagram post that she originally sent out right before the New Year. In this clip, Mills reflects on her frustrations and feelings about being unable to achieve her workout and physical goals while recovering from shoulder surgery.

While sharing these obstacles, Mills uses her experience as an analogy for some of the frustrations and setbacks that a number of her clients have shared when it comes to achieving their financial goals. More often than not we can work hard and achieve everything on our list of financial goals only to see an accident or unexpected expense take us right back to square one.

This episode is a word of encouragement for any listeners who might find themselves struggling to meet their financial goals, or overcome obstacles in this first half of 2022. Mills reminds us of the importance of perspective and consistency when it comes to your financial efforts and encourages listeners to continue to keep striving for their best!!

Topics Include:

Coping With Financial Obstacles
The Importance Of Perspective And Consistency
When It Rains It Pours
Realizing We Can't Be Perfect All The Time
How Small Steps Can Boost Confidence

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In this bite-sized episode of Mills Knows Bills, Mills invites listeners to participate in a free webinar she is hosting on Wednesday, April 27th. This special online learning session is geared towards self-employed workers and small business owners who are looking to grasp a better understanding of their tax options, obligations, and loopholes.

Participation in this event is 100% free of charge, however, attendees are encouraged to register for the webinar at https://millsknowsbills.com/webinars in order to qualify for some exciting freebies and exclusive offers.

So if you are a self-employed worker, small business owner, or just participate in the gig economy in any way and are uncertain about your tax liabilities or just want to gather some insights on how you might better prep your taxes in 2023, this is the webinar for you!

Topics Include:

Understanding Some Tax Basics
Breaking Down Various Tax Scenarios
Taxes And Small Business
Structuring Tax Payments

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In this episode of Mills Knows Bills, Mills is gracious enough to share the audio from a webinar she hosted with a group of self-employed entrepreneurs seeking advice on their retirement. In this brief session Mills outlines the challenges that face many self-employed workers and the tips and tricks to overcoming those challenges when planning for your retirement.

Using free online tools that are available at the MIlls Knows Bills website, Mills will guide listeners through the basics of discovering your Financial Independence Number by running some basic calculations and market-tested formulas. After establishing some personal information like risk aversion and lifestyle needs, Mills then lays out the principles and importance of early investment and consistent payments to your future self in order to help listeners meet their Financial Independence as quickly and efficiently as possible!

Topics Include:

How Retirement Does Not Correlate With Age
Establishing Your Financial Independence Number
Developing A Realistic Budget For Retirement
Evaluating Your Current Status With Social Security
Being Honest About When You May Expire After You Retire
The Importance Of Evaluating Your Risk Aversion
Learning How To Use A Financial Calculator
The Importance Of Investing Sooner Rather Than Later
Understanding And Leveraging Compound Interest
Learning To Treat Paying Your Future Self Like A Bill
Understanding Different IRA Structures

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In this special episode of Mills Know Bills, Mills collaborates with a financial advisor and renowned financial blogger Jesse Cramer. Jesse and Mills share their respective stories of how learning to master their finances transformed both their personal lives and professional careers.

In this conversation, listeners will have the chance to listen in as two financial experts exchange notes, share finance stories, and compare and contrast their approaches to financial wellness, wealth management, and personal finance coaching. This casual collaboration covers everything from the basics of getting your finances in order to some of the guiding principles that both Mills and Jesse use when working with clients. So if you’ve ever wanted to eavesdrop on a couple of financial pros exchanging advice free of charge then this episode is for you!

Topics Include:

Philosophies On Savings And Investing
The Three Basics Of Financial Freedom
Breaking Down Your Budgets
Breaking Poor Financial Habits
The Power Of Compounding Interest
Evaluating Debt Vs Savings

Follow Jesse:

LinkedIn: https://www.linkedin.com/in/jesse-cramer-11b58155

Twitter: https://twitter.com/bestinterest_jc

Blog: https://bestinterest.blog/

Podcast: https://bestinterest.blog/the-best-interest-podcast

Website: https://cobblestonecap.com/

__________________________

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As we enter the graduation season, Mills shares some advice she imparted to a group of highschool students who are just beginning their journey of financial freedom and choices. Mills candidly talks about her own personal and financial journey, from high school through college and beyond.

While covering some of the basics of net worth, debt, credit, and beyond, Mills also shares the reality of how your financial dreams will take time to grow, and how discovering your purpose can often take you into new and unexpected directions.

The importance of financial literacy from a young age is clear to anyone who has struggled through a period of missteps or youthful naivete. By sharing some key insights on how to build a strong financial future, Mill’s hopes to help both young people, and those who are still striving to be young at heart, learn how to invest in themselves so they can invest in their future!

Topics Include:

The Need For Financial Literacy
Discovering Your Purpose
Defining Your Net Worth
Good Debt Vs Bad Debt
The Temptation Of Credit Cards
Young Is Never Too Young To Invest

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In this episode of Mills Know Bills, Mills speaks with financial services provider Alex Casella about a wide range of issues centered on the topic of preparing for and planning your retirement. With over a dozen years of experience in an array of financial services, Alex is the perfect resource to help listeners break down and simplify their retirement strategy.

Whether you work for a corporation, are self-employed, or a combination of both, Mills and Alex will help listeners unpack some of the complicated terminology and financial jargon that can intimidate many people thinking about getting started with their retirement plans.

Alex will also cover some rarely addressed topics like the importance of being properly allocated with your investments and the importance for planning for unforeseen events in your future. So whether you have been planning your retirement for a number of years or have been putting it off for too long, this is the episode for you!

Topics Include:

A Simple Definition Of Retirement
Retirement As A Dollar Amount
Unpacking Various IRA And 401K Options
Retirement Savings For Self-Employed Workers
Taxable Non-Taxable And Tax-Deferred Income
Traditional Retirement Accounts Vs Roth Accounts
The Importance Of Planning For The Unseen
How Starting Small Is Better Than Not Starting
The Importance Of Being Properly Allocated

Follow Alex:

Website: https://www.alexcasella.com/

Linkedin: https://www.linkedin.com/in/alex-casella-58511922

Instagram: https://www.instagram.com/casellapersonalfinance/

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_______________________________

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In this episode, Mills shares the audio from a special video collaboration between Mills Know Bills and Ventus Design Studio. In the talk, Mills helps listeners identify some of the top side hustles for 2022 while also helping to define and determine if a side hustle is right for you.

A quarter of the way into 2022 many of you might be struggling to stay on top of your financial goals and resolutions. By joining up with Nicole Sauk from Venture Design studios, Mills aims to help you determine whether a side gig might be just the right move to help keep you on track for your financial goals.

In addition to identifying the 5 most popular hustles of 2022, Mills shares some insights on how Gig income can be maximized within a yearly budget and how to determine if a hobby can be transformed into a part-time gig, or if it's best to remain just a hobby.

Topics Include:

Defining A Side Hustle
5 Trending Side Hustles In 2022
Determining If You Need A Side Hustle
How Side Hustles Fit Into Your Yearly Budget
Determining What Hustle Is Best For You
The Difference Between A Side Hustle And A Hobby

Follow Nicole:

Website: https://ventusdesignstudio.com/about/

YouTube Video Link: https://www.youtube.com/watch?v=xjG4HM1GC5U

___________________

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In this episode, Mills recaps the development of your 2022 money plan. After touching on those basic fundamentals we dive into the principles and techniques necessary to stick with that plan throughout the year.

Mills covers the basics of establishing and controlling your fixed expenses using autopay to ensure you never have late payments. Next we explore the importance of identifying your savings goals such as an emergency fund or house savings and learn to treat those the same as your bills that are on autopay. By doing this you will begin to form a savings habit that will serve you for years to come.

Next Mills covers the importance of Identifying clear savings goals and developing distinct accounts for each goal so that your money is not mixing between different categories of savings.

Lastly we learn how to use unique financial tools like savings “buckets” to sustain savings and curb spending on variably priced bills or expenses throughout the year. The end goal of all of this preparation is to develop a financial plan that is as automated as possible, leaving you time to focus on what really matters!

Topics Include:

Identifying Mandatory Expenses With Fixed Costs
The Importance Of Setting Up An Autopay System
Identifying And Naming Your Savings Goals
Establishing Distinct Accounts For Distinct Goals
Mastering Auto Account Transfers To Reach Goals
Developing An Automated And Flexible Financial System

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In this episode Mills guides us through the basics of establishing a financial plan A.K.A. Budget that works best for your unique needs and lifestyle. Though budgeting does not seem like a glamorous subject, the results of good budgeting are indeed very glamorous.

With the implementation of good budgeting you will find the financial freedom to stop living paycheck to paycheck, pay off your debt faster, and reach your financial goals!

Topics Include:

Making A Budget That Works For You
How Budgeting Creates Financial Freedom
Identifying Your Mandatory Expenses
Defining Your Discretionary Income
Establishing Your Extraneous Expenses
Learning To Work Smarter Not Harder
How To Use The Cash Envelope System

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In this episode of Mills Knows Bills, Mills shares a small excerpt of content that was shared from the over 3 hour long Master Your Money Without Stress, Anxiety, or Fear Bootcamp which is available at https://millsknowsbills.com/webinars/. Mills shares a few simple tips on getting started with your budget and she breaks down ways to stick to your budget while evaluating some basic approaches towards saving versus paying off debt.

If you enjoy what you hear in this episode, be sure to check out the full version at the link above to listen to the entire workshop, plus you’ll receive a suite of financial tools and tips.

Topics Include:

Mastering Your Budget
Fixed Income Vs. Variable Income
Determining Saving Vs. Debt Payments
Tips for Sticking to Your Budget
Focusing on Your Financial Priorities

Official Mills Knows Bills Website: https://www.millsknowsbills.com

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In this episode of Mills Knows Bills, Mills and two of her team members share their unique tips for traveling and vacation planning on a budget.

With spring tantalizingly within our grasp, millions of Americans are making vacation plans for the coming months. Now is the perfect time to start planning ahead and establishing your travel budgets to ensure unforgettable memories without the regret of overspending or massive credit card debt.

Topic Include:

Vacationing on a Budget
How Good Planning Equals Savings
Prioritizing Your Excursions
When In Rome Cook Like the Romans
Embracing Layover Opportunities

__________________________

Official Mills Knows Bills Website: https://www.millsknowsbills.com

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In this special micro-pod Mills shares four easy tips for saving money this Valentine’s Day. Americans spend $142 on average for Valentine's Day. If you were to invest $142 a month for five years, that could turn into over $10,000, assuming an 8% rate of return.

Mills shares some great date ideas that will leave you and your partner with wonderful memories without breaking the bank!

Topics Include:

Valentine’s Day on a Budget
Planning Ahead Equals Savings
Scouting for Free Valentines Events
Money Does Not Equal Memories

Official Mills Knows Bills Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: http://youtube.com/millsknowsbills

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In this special episode, Mills shares a live webinar conducted with speaker, author, and personal growth expert Dawud Mabon.

Together Mills and Dawud uniquely synthesize the process of seizing upon your personal and financial resolutions for this coming year.

Mills and Dawud also converse about everything from personal finances to the importance of legacy and passing on larger principles to your children or grandchildren.

Regardless of your financial or vocational situation, this is a great hour of wisdom to take into this new year, both in the realms of finance and leadership.

Topics Include:

Achieving Financial Goals Through Money Mindset
Exploring Personal Growth and How it Affects Our Goals
Asking Yourself What Makes You Who You Are
Defining and Identifying Your Personal Potential
How What You Enjoy Doing Shapes Your Budget
Developing a Holistic Approach To Financial Resolutions
How Childhood Shapes Your Approach to Money
The Importance of Not Waiting For Perfection
Defining Your Personal Perceptions on Money
Asking Yourself What Financial Freedom Looks Like
Identifying the Challenges That Block Your Goals
Developing a Timeline to Achieve Financial Goals
Giving Yourself Permission to Fail at Something

For access to a visual recording of this podcast and resources discussed, please visit this site to register for the information: https://millsknowsbills.com/webinars/

Follow Dawud: https://www.linkedin.com/in/dawud-mabon-cpa-90776a7

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Investing can often feel extremely complex! What are stocks? What is the stock market?

In this episode, Mills (with a little help from her nieces) explains why diversifying your investments is not as complex as it may seem.

In this continuing series of investment tips and 2022 challenges, Mills shows us that beyond The Wall Street Journal, Google Finance, and endless streams of financial news…there is a tried and true way of investing in multiple publicly traded companies with much less risk and larger long-term rewards.

Topic Include:

What Exactly is a Lazy Investor?
Explaining Dollar Cost Averaging
How do ETFs Benefit Investors
What is The S&P 500?

Official Mills Knows Bills Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

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In the last episode of Mills Knows Bills, Mills talked about how saving isn’t your answer to financial freedom – but investing is! Today we explore how Investing allows you to beat inflation, increase your purchasing power, and allow money to work for you 24/7 tirelessly.

Mills also lays out an easy, how-to investment strategy by unpacking three easy steps that even inexperienced investors can use to begin their personal investment journey today!

Topic Include:

How to Open an Investing Account
The Importance of Sending Money Consistently
Remembering to Actually Invest Deposited Money
The Difference Between Acorn and Other Investing Platforms

Official Mills Knows Bills Website: https://www.millsknowsbills.com

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In this premiere episode of 2022, Mills shares with us the unpopular opinion that merely saving money is not the answer to your financial woes. Though vital to your financial health, saving is only a piece of your long-term financial puzzle.

Today, Mills will address how inflation causes us to lose our purchasing power and how increases in inflation can quickly outpace the return on investment in our general savings accounts. We will learn how unlocking our money’s potential and placing that money to work for us through proper investing is key to combating inflation and securing our financial future.

Topics Include:

Defining and Understanding Inflation
Why Understanding Inflation Is Important
How Inflation Decreases Our Purchasing Power
How Proper Investing Combats Inflation
Unlocking the Power of Putting Your Money to Work

Official Mills Knows Bills Website: https://www.millsknowsbills.com

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In this episode, Mills wraps up the Daring December Series with a challenge for listeners to begin learning the difference between saving and investing. So many people believe that saving is the key to financial freedom, and though vital to a healthy financial lifestyle, saving means nothing without properly investing!

Mills then challenges us to start investing either with your employer's 401k or with a traditional or Roth IRA. Going into this New Year it's more important than ever to begin getting your finances in order, and as a final dare for 2021 Mills Knows Bills can think of nothing better than getting the ball rolling on smart, long-term investments for your future!

Topics Include:

Realizing That Saving Money Is Not Enough
The Vital Importance of Long-Term Investing
The Thrill of Exercising Your Investing Muscles
Consistently Depositing Into Your Investment Accounts

Official Mills Knows Bills Website: https://www.millsknowsbills.com

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In this episode, our December Dares Series continues as Mills dares us to believe in ourselves and to begin to embody our money mindset. Over the past 2 weeks, many listeners have made incredible strides towards financial well-being.

As we continue this daring process headed into Christmas Eve, Mills reminds us that belief in ourselves paired with the support and guidance of others is an unbeatable combination for tackling any financial challenges that may stand in our way at the end of 2021!

Topics Include:

Daring to Believe in Yourself
Stretching Yourself for Strengthening
Daring to Dream Big Dreams
Pushing Yourself Despite Fear
Asking For Help When you Need It
Believing You Can Achieve Financial Freedom

Official Mills Knows Bills Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: http://youtube.com/millsknowsbills

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In this episode, Mills continues the Daring December Series with fresh new dares for this week including a focus on creating new bank accounts for your budgeting goals and scheduling the appropriate deposits for those accounts.

In addition, Mills will dare us to find financial accountability, track and compare expenses, establish visual goals and markers, and finally report on your progress via Instagram to qualify for a Mills Know Bills raffle!

Topics Include:

Creating New Bank Accounts for Budgeting
The Advantage of Virtual Buckets in One Account
Exploring Quickbooks Cash Accounts
Staying Accountable to Your Budget
Tracking and Comparing Expenses

Official Mills Knows Bills Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: http://youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills?lang=en

LinkedIn: http://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills/_created/

In this first installment of our December mini-series, Mills dares listeners to make December the month when you finally get your finances on track. December can often feel like the Sunday before the Monday that is January, and because of the holiday season, we often procrastinate or prolong evaluating vital aspects of our financial wellness, telling ourselves that “we will get to it” in the new year.

This December, Mills Knows Bills is daring you to start taking vital financial steps, starting today, with a series of easy to accomplish financial dares and goals for December that will give you a head start going into 2022.

Topics Include:

Getting your Finances on Track in December
Daring to Be Honest with Your Finances
Daring to Dream About New Financial Goals
Evaluating Your Spending Habits from 2021
Setting a Budget With the Updated Mills Knows Bills Budgeting Tool
Improving Your Financial Literacy for 2022

Official Mills Knows Bills Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: http://youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills?lang=en

LinkedIn: http://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills/_created/

In this episode Mills breaks down how to map out your financial goals and dreams for the New Year by demystifying fear and anxiety surrounding budgeting and goal planning.

Mills also attempts to set listeners on a healthy path towards more disciplined and consistent financial goals in 2022 by demonstrating that simple goals and consistency can take your finances to places you may not have thought possible this past year.

Topics Include:

Easing Fears and Anxiety Around Budgeting
Setting a Budget to Establish Your Financial Standing
Setting Goals to Envision Where You Can Be
Developing the Discipline of Financial Consistency
Understanding the Importance of Reevaluating Goals
The Value of Specificity When Setting Goals
Remembering Small Annual Charges That Can Add UP
Reevaluating Monthly Expenses that Could be Annual
Reviewing Some Free Financial Planning Tools

Official Mills Knows Bills Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: http://youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills

LinkedIn: http://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills/_created/

In this episode Mills shares why there is no better time than now to get your finances in order. In the lead-up to 2022 the team at Mills Know Bills is unveiling their lineup of financial services and online programs to help you finally take the crucial steps towards financial freedom.

Learn how this is the year when you can stop living paycheck to paycheck and begin living to your full potential.

Topics Include:

Breaking Down the Mills Knows Bills Suite of Services
Unpacking Our Master Your Money Program
The Advantages of Our Group Master Your Money Program
Discovering the Mills Knows Bills Money Bootcamp
How the All Things Money Program Helps Self Guided Learners

Official Mills Knows Bills Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: http://youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills?lang=en

LinkedIn: http://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills/_created/

In this episode, Mills unpacks the essentials of getting started on your financial journey by breaking down the all-important step one: making a budget. Mills addresses how anxiety and fear often prevent people from getting started on a budget and how if used properly, budgets can free us from financial stress while acting as a guide through informed financial planning.

Topics Include:

Finding the Courage to Start Your Financial Journey
How Setting a Budget Is the Key to Getting Started
How Budgets Can Free Rather Than Constrict
Defining Mandatory vs Discretionary Income
How Anxiety Can Derail Good Habits
How Financial Consistency Reduces Anxiety

Official Mills Knows Bills Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: http://youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills?lang=en

LinkedIn: http://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills/_created/

In this bite-sized pod, Mills shares her reflections on how impatience and envy can often get in the way of our long term financial goals and how keeping up with the Joneses can often cause us to make unwise financial decisions that may satisfy us in the short term but potentially jeopardize our financial security in the longterm.

Topics Include:

Practicing Patience When Spending and Budgeting
Finding Peace with Your Current Financial Situation
Avoiding Impulse Purchases Based on Envy

_______________________________________

Official Mills Knows Bills Website:

https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: http://youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills?lang=en

LinkedIn: http://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills/_created/

In this very special episode we celebrate the second birthday of Mills Knows Bills by reflecting on what inspired Mills to start the business, and how finding her voice has inspired her to help others take the crucial steps necessary to realize their dreams! Also, we hear from a number of Mills Knows Bills clients about how the program has helped to transform and guide their financial journeys.

Topics Include:

Finding the Courage to Find Your Purpose
Client Testimonials on Financial Freedom

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Official Mills Knows Bills Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: http://youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills?lang=en

LinkedIn: http://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills/_created/

This week we dive into the simple, yet often misunderstood topic of net worth. Many people have misconceptions about what exactly net worth is and how you calculate it. In this bite-size episode Mills sets the record straight by breaking down why net worth is important and how it can help individuals create an evolving roadmap for informed financial decisions, investments, or purchases.

Topics Include:

What Exactly is Net Worth?
Defining Positive and Negative Net Worth
Using Net Worth to Project a Snapshot of Your Financial Position
How Net Worth Can Help One Determine if Their Debt is Manageable
Understanding the Difference Between Good and Bad Debt
What Is Leverage and How Can It Be Best Applied?
How Net Worth Determines if Your Money Fits Your Lifestyle
Why It's Not Always What You Own but Also What You Owe

_______________________________________

Official Mills Knows Bills Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: http://youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills?lang=en

LinkedIn: http://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills/_created/

In this episode, I’m so excited to share with you a recent talk by my friend Corey Hazelip. Cory is a financial advisor with Edward Jones Investments with an incredible talent for helping individuals meet their financial goals while mitigating risks. On this podcast, he shares his thoughts on the introduction to investing while answering some questions I had for him about investment strategies and potential risk.

Topics Include:

The Importance of Healthy Investments
Key Reasons Why People Don’t Want to Invest
The Key Investments Needed to See Your Money Grow
The Difference Between Small-Cap and Mid-Cap Stocks
Defining Market Capitalization
Understanding the Basics of Mutual Funds
What Differentiates ETFS from Mutual Funds
How Money Markets Differ from Other Investments
How Annuities, CDS, And Life Insurance Work to Protect Investments
The Key Difference Between Interest and Dividends
How Bond Funds Help to Ensure Safety
How Financial Planners Help Clients Plan for the Unforeseen
Defining the Four “Buckets” of Your Financial Journey
The Basics of Getting Started in Investing
What Risk Tolerance Means and How it’s Different for Everyone
How Diversifications of Investments Mitigates Risk

Cory’s Contact Information:

Website: https://www.edwardjones.com/us-en/financial-advisor/cory-hazelip

Linkedin: https://www.linkedin.com/in/cory-hazelip-023753a9

Facebook: https://www.facebook.com/EJAdvisorCoryHazelip/

_____________________________________________________________

Official Mills Knows Bills Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: http://youtube.com/millsknowsbills

Summarized Description:

In this episode, I'm excited to welcome John Bottega to the podcast! John is an LPL financial advisor at Thorough Financial Group in Raleigh-Durham, North Carolina with a passion for helping individuals plan for and execute retirement and savings and strategies that work for their individual needs, lifestyles, and dreams.

Topics Include:

Learning How to Prepare for Retirement
The importance of a Quality Financial Education
How Investing Gives You Financial Freedom
How Savings Alone Fails to Account For Inflation
The Importance of Eliminating Debt When Saving for Retirement
Understanding How Retirement Funds Differ From Emergency Funds
Maximizing Your Return on Investments
Exploring a Traditional IRA Versus a Roth IRA
The Importance of Diversifying Your Savings Options
Advice for Self Employed Workers Saving For Retirement
What Exactly Is a Good Retirement Goal?
The Pros and Cons of Various Retirement Plans
Is It Worth Having Money in Regular Savings Accounts?
Navigating Shared Bank Accounts Versus Individual Accounts

John’s Contact Information:

Website: https://www.thoroughfinancialgroup.com/team/john-bottega

Linkedin: https://www.linkedin.com/in/john-bottega/

___________________________________________________

Official Mills Knows Bills Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: http://youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills?lang=en

LinkedIn: http://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills/_created/

In this episode, I’m excited to feature an inspiring talk from Matt Ward. Matt is a serial entrepreneur, author, speaker, and master networker. After selling his web agency for over seven figures in 2018, Matt became a full-time speaker and word of mouth referral consultant who is helping thousands of small business owners and entrepreneurs transform the way they view networking and business relationships.

Topics Include:

Identifying Your Sphere of Influence
The Power of Networking
Building Long Lasting Business Relationships
How Caring for Clients Attracts Business
Implementing Small Changes to Achieve Big Goals
Doing Business With People That Bring You Joy
Creating Predictable Revenue Streams
Looking For Referrals in All the Wrong Places
Turning Dull Networking Experiences Into Fun Excursions
How the Pandemic Is Transforming Networking
Tips for Building Meaningful Client Relationships

Matt’s Contact Information:

Website: https://breakthrough-champion.com/

Linkedin: https://www.linkedin.com/in/mattwardspeaks

Book: https://www.amazon.com/MORE-Referrals-Lifelong-Customers-Raving-ebook/dp/B07H1QXGJV

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Official Mills Knows Bills Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: http://youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills?lang=en

LinkedIn: http://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills/_created/

More...: Word Of Mouth Referrals, Lifelong Customers & Raving Fans

In this episode, we will explore how to begin setting goals for your individual, financial, and business future, plus I’ll share with listeners a step-by-step breakdown of my own journey through personal and professional goal setting and achievements.

Topics Include:

How to Begin Setting Goals
Determining Your End Result
Breaking Goals Down Into Quarterly Segments
Determining Subcategories for Your Goals
How Using a Journal Can Help You Map Out Your Goals
The Importance of Determining Fixed Goals
How Self-Care Can Affect Budgeting
How Daily Planning Can Foster a Sense of Freedom
Learning How to Budget for The Most Valuable Asset...time
How Goal Setting is an Art Not a Science
How Goal-Setting Can Improve Work-Life Balance
Using Real-Life Metrics to Determine Business Goals

Official Mills Knows Bills Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: http://youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills?lang=en

LinkedIn: http://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills/_created/

In this episode, we explore how to calculate and plan for your “Financial Independence Number.” Retirement costs can quickly outpace your savings and investments, so planning ahead by establishing your “FIN” is a key step for anyone looking to secure long-term financial freedom.

Topics Include:

Defining the Financial Independence Number (FIN)
Calculating Your FIN
The Dangers of Relying on Social Security
Establishing Target Projections for Retirement
Defining the 401K vs 403B
A Traditional IRA Opposed to a Roth IRA
Retirement Savings for Small Business Owners
Pensions and Defined Benefits
Calculating for Inflation
Factoring Interest Rates

Official Mills Knows Bills Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: http://youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills?lang=en

LinkedIn: http://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills/_created/

In this episode, we address how diversifying your bank accounts can help you reach your financial goals and how budgeting properly can allow for more spontaneous fun in life.

Topics Include:

The Value Of Multiple Bank Accounts
Tips For Spouses With Different Accounts
Starting Emergency Fund Savings
Structuring Vacation Accounts
How Savings Accounts Help Avoid Debt
Identifying Who the Savers and Spenders Are In a Relationship
Planning For the Future vs Enjoying The Present
Creating Accounts Meant for Fun and Spending

Official Mills Knows Bills Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: http://youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills?lang=en

LinkedIn: http://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills/_created/

In this episode, I’m excited to share a conversation with one of my favorite clients, Xavier Jones.

Xavier’s story on the realization of his home-ownership dream and how small steps like budgeting and credit repair transitioned into the giant leap of becoming a homeowner is a true inspiration!

Topics Include:

How Budget’s Are Not Just For The Wealthy
Living Life To Fullest While Still Budgeting
The Dangers Of Entangling Your Credit With Friends or Loved Ones
Using Tools Like Zillow To Investigate Potential Mortgage Payments
The Importance Of Knowing and Taking Control Of Your Credit Score
Understanding How To Make Credit Cards Work For You Not Against You
Techniques For Improving Your Credit And Keeping Your Score High
Mastering The Counterintuitive Nature Of Credit Card Balances
The Necessity of Working With a Licenced Realtor
How To Avoid Overestimating Your Down Payment
How Better Credit Scores Affect Your Loan’s Interest Rate
Using Apps Like Credit Karma To Help Motivate Your Credit Restoration

Official Mills Knows Bills Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: http://youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills?lang=en

LinkedIn: http://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills/_created/

Mills is joined by Natasha Falconi to discuss her journey into the world of real estate investment and how long term investments in properties may be the key to unlocking generational wealth for many aspiring investors or entrepreneurs.

Topics Include:

Getting Started In Real Estate Investment
The Advantages Of Multi-Family Real Estate
The Power of Saving For Your First Property
How Investors Factor Into Real Estate Ownership
Understanding Passive vs. Active Investing
The Risks Involved In Investing vs. Owning Property
Breaking Down Common Barriers To Entry
Building & Maintaining Generational Wealth Through Real Estate
How Real Estate Factors Into A Balanced Financial Portfolio

Official Mills Knows Bills Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: http://youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills?lang=en

LinkedIn: http://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills/_created/

In this episode we will discover the do's and don'ts of debt repayment while covering the fundamentals of identifying, mitigating, and eventually conquering the debts that are holding back your financial freedom.

Topics Include:

Defining, Gathering and Organizing Your Debt
The Difference Between Good and Bad Debt
Identifying Outstanding or Forgotten Debts
Calculating Your Total Outstanding Debt
Evaluating Your Various Interest Rates
Budgeting For Debt Repayment
Creating and Implementing Effective Payoff Plans
Understanding and Utilizing The Debt Stacking Technique
Real World Examples Of Debt Elimination

WATCH the visual presentation on Youtube: https://youtu.be/Gjdf59RXZrM

Official Mills Knows Bills Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: http://youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills?lang=en

LinkedIn: http://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills/_created/

In this episode we explore the enormous value and financially life-saving practice of calculating, establishing, and maintaining a robust and personalized emergency fund.

Topics Include:

Defining Emergency Funds
Calculating Your Personalized Emergency Fund
Discovering the True Value of Emergency Funds
Establishing When And How To Start An Emergency Fund
Demonstrating How Emergency Funds Help Avoid Debt
The Value Of Consistency In Saving
The Practicality Of Direct Deposit Transfers
How Emergency Funds Factor Into Your Monthly Budget

Official Mills Knows Bills Website: https://www.millsknowsbills.com

Instagram: https://www.instagram.com/millsknowsbills

Youtube: http://youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills?lang=en

LinkedIn: http://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills/_created/

In this episode, we kick things off and discuss keeping your finances on track by first mastering your money mindset!

Topics in this episode include:

Identifying Your Money Mindset
Building a Foundation
Consistently Worrying About $$$ Robs the Moment
What Do You Truly Enjoy Doing?
What Is Your Perception of Money?
How Do YOU Define Financial Freedom?
Identifying Your Challenges
Are You Your Biggest Obstacle?
What Are Your Goals?
When Do You Want to Achieve Them?
Do You Have a Succinct Game Plan?
What Saving Style Works Best for You?
What Is Your Financial Kryptonite?

Official Mills Knows Bills Website

Instagram: https://www.instagram.com/millsknowsbills

Youtube: http://youtube.com/millsknowsbills

TikTok: https://www.tiktok.com/@millsknowsbills?lang=en

LinkedIn: http://www.linkedin.com/in/ameliabender

Facebook: https://www.facebook.com/millsknowsbills

Twitter: https://twitter.com/bendermills

Pinterest: https://www.pinterest.com/millsknowsbills/_created/

It’s a pleasure to meet you, my name is Mills!

Some of you may be wondering, what is “Mills Knows Bills,” and how did it come about?

In the fall of 2014, I sat in my dorm room stunned that I only had $1.50 in my bank account. I said to myself, “that’s it?!?” – no credit card to fall back on, no savings account…nothing. Where did all my money go? How am I going to eat? How can I manage my finances better? These were all questions that flooded my mind; But where should I start? I began keeping track of all expenses and income on a spreadsheet, changed my major to finance, and obtained various positions in the finance industry.

Throughout the past five years, I’ve improved upon this spreadsheet, paid off $25,000 in debt in two years, and have become a budget planning expert. My experiences led to the creation of practices that have allowed me to help many others obtain financial freedom by cutting down the learning curve.

If you find yourself wondering where to start, I invite you to subscribe and tune into this podcast!

Thank you!

Mills

Official Mills Knows Bills Website

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