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The Financial Navigator

I Got Laid Off And It Shattered My Illusion of Safety

May 30, 2025 Stephanie & Kris Smith No comments yet

Two weeks ago, I got laid off from my 9–5. No warning. No slow ramp down. One day I was leading meetings, the next, I was staring at an “Organizational Update” (group) meeting invite with my name on it. Now, was I already building something outside of that job? Yes. Was I feeling the itch […]

The Financial Navigator

Where Does the Money Go? Understanding Cash Flow Like a Business Owner, Not a Banker

May 16, 2025 Stephanie & Kris Smith No comments yet

A few days ago, I was in the kitchen when my youngest dumped an entire bag of marbles on the floor. Chaos. They scattered in every direction—some zipped into the living room, a few stopped near the dishwasher, and at least three disappeared under the fridge forever. I just stood there watching, and all I […]

The Financial Navigator

Want Predictable Profit? Start with Smarter Systems

April 18, 2025 Stephanie & Kris Smith Comments Off on Want Predictable Profit? Start with Smarter Systems

Sometimes life gets chaotic Right now, my kids are little and sometimes our mornings are pure chaos. Socks missing, cereal spilled, someone always crying (sometimes it was me). The problem isn’t that we are short on effort—sometimes we are just missing systems. The days that we put a simple routine in place—lunches packed the night […]

The Financial Navigator

Are You Wasting Money? How to Cut Costs Without Hurting Growth

April 4, 2025 Stephanie & Kris Smith Comments Off on Are You Wasting Money? How to Cut Costs Without Hurting Growth

Let’s be honest—most business owners don’t start their day excited to dive into their expenses. But here’s the thing: those “boring” line items might be quietly eating away at your cash flow. And if you’re like many of the business owners I work with, you’re not being reckless—you’re just busy. You’re growing. You’re focused on […]

The Financial Navigator

The Hidden Cost of Late Payments: How Unpaid Invoices Kill Small Businesses

March 21, 2025 Stephanie & Kris Smith Comments Off on The Hidden Cost of Late Payments: How Unpaid Invoices Kill Small Businesses

82% of small businesses fail due to cash flow problems—not a lack of revenue. I see this a lot in my work as an outsourced CFO. Business owners often focus on sales, but they overlook a critical question: Are you actually collecting the money you’ve earned? Unpaid invoices aren’t just an inconvenience—they quietly strangle businesses. […]

The Financial Navigator

The 5 Biggest Cash Flow Mistakes Businesses Make (And How to Fix Them)

March 7, 2025 Stephanie & Kris Smith Comments Off on The 5 Biggest Cash Flow Mistakes Businesses Make (And How to Fix Them)

Making money isn’t the same as keeping it. As outsourced CFOs, we often see small businesses focus on revenue. Many business owners we talk to feel like if they just had more sales, they could solve all of their issues. And while revenue is important to any business, it is consistent, positive cash flow that […]

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  • Getting to the Bottom Line (25)
  • The Financial Navigator (6)

Recent Posts

  • E25: Boost Your Revenue with Qualified Leads with Janine Hayden
  • I Got Laid Off And It Shattered My Illusion of Safety
  • E24: Where Did the Money Go? Let’s Talk Cash Flow
  • Where Does the Money Go? Understanding Cash Flow Like a Business Owner, Not a Banker
  • E23: Stop Chasing Revenue and Focus on This Instead

Helping business owners unlock more cash, profit and peace of mind by fixing the top three financial drivers holding them back.

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