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The Financial Navigator

Faith, grief, and staying steady in business

August 15, 2025 Stephanie & Kris Smith Comments Off on Faith, grief, and staying steady in business

The week that knocked the wind out of me Only a few weeks ago, we were soaking up a sweet vacation. Lots of sunshine, laughter, and space to breathe. It was one of those rare windows where everything slowed down. We made memories. We laughed. We rested. My heart felt full. Then we came home, […]

The Financial Navigator

Can Your Business Run Without You?

July 25, 2025 Stephanie & Kris Smith Comments Off on Can Your Business Run Without You?

As you read this, I’m probably on a morning walk by the water… or relaxing on the beach… or sneaking dessert before breakfast (no judgment, we’re on vacation 🙃). We made it to Florida for our annual beach trip. It only took an 8-hour drive in a packed van with my parents, the kids, too […]

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Building A Business That Supports Your Life

July 11, 2025 Stephanie & Kris Smith Comments Off on Building A Business That Supports Your Life

I rescheduled the HVAC company. That’s how serious I was. Last week was my birthday, and for the first time in a long while… I actually took the whole day off. I blocked my calendar. I moved calls. I even postponed the HVAC appointment, despite the fact that the AC in my office is currently […]

The Financial Navigator

Is it possible to pay off $100k of debt in just one year?

June 27, 2025 Stephanie & Kris Smith Comments Off on Is it possible to pay off $100k of debt in just one year?

When Kris and I decided he would leave his job to be a stay-at-home dad, we both felt two very real things at the same time: Peace because we were doing what was best for our family. Pressure because suddenly, everything financially was riding on one person. It was a bit frightening… We had bills […]

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How Tiny Wins Turn Into a Tidal Wave of Cash

June 13, 2025 Stephanie & Kris Smith Comments Off on How Tiny Wins Turn Into a Tidal Wave of Cash

Last Saturday felt like the perfect day for an adventure. Kris corralled the kids, fishing poles in hand, and headed down to the lake. When they returned, our youngest son could barely contain his excitement. He ran up to me and shouted, “Dad caught a monster!” I braced myself for a legendary tale, only to […]

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I Got Laid Off And It Shattered My Illusion of Safety

May 30, 2025 Stephanie & Kris Smith Comments Off on I Got Laid Off And It Shattered My Illusion of Safety

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

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. […]

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