If you're a business owner who feels like you should understand your numbers but secretly hopes they'll just… work themselves out, you're not alone. For a lot of entrepreneurs, money feels heavy, confusing, or even shame-filled—and that disconnect can quietly limit growth, peace of mind, and long-term stability.
In this episode, Hannah Chapman, CFP®, APMA®, CRPC® sits down with author, strategist, and fractional CFO Josh Greenbaum, founder of CFO Minded and author of Numbers Scare Me and Other Excuses. Together, they unpack the real differences between a CFO, CFP, CPA, bookkeeper, and controller, why there is no single “right” financial strategy, and how human understanding—not perfection—creates sustainable businesses. This conversation is about clarity over complexity, confidence over fear, and building a financial team that actually supports the life you want to live.
- Why “numbers scare me” is rarely about math—and more often about shame, overwhelm, or lack of context
- How CFO thinking differs from tax prep and financial planning, and why you need all three roles working together
- What most business owners misunderstand about income, profit, and cash flow (and why $120k revenue ≠ $120k lifestyle)
- How human behavior and money psychology impact financial decisions, not just spreadsheets
- Why conflicting advice from financial professionals isn't a problem—it's a feature
- When AI and automation help—and where human judgment is still essential
- How asking better questions (not having perfect knowledge) unlocks better financial outcomes
Connect with Josh here:
Book: https://www.amazon.com/Numbers-Scare-Me-Other-Excuses/dp/0578829762
LinkedIn: https://www.linkedin.com/in/joshgreenbaum/
Website: https://www.cfominded.com/
Connect with Hannah here:
X² Wealth Planning Website: https://x2wealthplanning.com/
Expansive CEO: https://expansiveceo.com/
Hannah's Website: https://hannahrchapman.com/
Instagram: https://www.instagram.com/hannah.chapman.cfp
Facebook: https://www.facebook.com/hannahchapmanfinancialadvisor/
LinkedIn: https://www.linkedin.com/in/hannahrchapman/