Strategy Meets Finance

The Gap Between Your Strategy and Your Results | Ep 255 Aug 17, 2026 901 Know your numbers, fix your cash flow, and build a business that works for you. Start free with myColtivar. Most businesses have a strategy. They have done the offsite, built the plan, and know where they want to go.Then you look at the financials and the strategy is nowhere in the numbers.In this episode Steve breaks down exactly what is happening in that gap, why strategy without a financial con

The Moment a Good Business Starts Becoming a Great One | Ep 254 Aug 12, 2026 1248 Know your numbers, fix your cash flow, and build a business that works for you. Start free with myColtivar. There is a specific moment Steve has seen over and over again inside businesses. Revenue becomes more predictable, cash flow steadies out, and the owner goes from reactive to proactive.In this episode he breaks down exactly what that moment looks like in financial terms and the five conditio

Is Your Business Really Generating Value? | Ep 253 Aug 4, 2026 538 Know your numbers, fix your cash flow, and build a business that works for you. Start free with myColtivar.Most business owners look at profit on their income statement and assume the business is doing well. But profit and value are not the same thing.In this episode Steve breaks down why the majority of businesses are not generating returns above their cost of capital, what that actually means fo

The Problem With Your Annual Budget (And What Actually Works) | Ep 252 Jul 29, 2026 1069 Know your numbers, fix your cash flow, and build a business that works for you. Start free with myColtivar. Every year business owners build a budget. They set targets, present the numbers, tie bonuses to it, and by March it is already wrong.In this episode Steve makes the case that a static annual budget is one of the most limiting financial tools a business can use and walks through exactly what

Your Best Customers Might Be Your Worst Financial Decision | Ep 251 Jul 23, 2026 968 Know your numbers, fix your cash flow, and build a business that works for you. Start free with myColtivar.Most business owners know their best customers by name. Longest relationships, biggest contracts, most consistent work.But in this episode Steve shows why looking at revenue per customer and profitability per customer are two completely different things and why the gap between them might be t

What Buyers Actually Pay For When They Buy a Business | Ep 250 Jul 20, 2026 1139 Know your numbers, grow your cash flow, and build a business that works for you. Start free with myColtivar. Two businesses, same revenue, same profit. One sells for three times EBITDA. The other sells for eight times. On a $2 million EBITDA business that gap is $10 million.In this episode Steve breaks down exactly what creates that difference and why sophisticated buyers are not just looking at t

Why Your Pricing Has Nothing to Do With What You Charge | Ep 249 Jul 14, 2026 1295 Know your numbers, grow your cash flow, and build a business that works for you. Start free with myColtivar. Most business owners set their prices based on what competitors charge, what feels right, or what they think customers will pay. None of those approaches have anything to do with the value your business actually delivers or what your business needs to be financially healthy.In this episode

Business Lessons I Had to Learn the Hard Way | Ep 248 Jul 9, 2026 896 Know your numbers, grow your cash flow, and build a business that works for you. Start free with myColtivar. Steve started his first business at 16 out of his sister's garage with no money, no financial background, and no idea what he was doing. He made every mistake you can make.In this episode he shares the five lessons that would have saved him millions of dollars and thousands of hours if

What Your WIP Schedule Is Trying to Tell You | Ep 247 Jul 6, 2026 807 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Most specialty contractors either do not have a WIP schedule or do not treat it with the attention it deserves. And if your WIP is wrong, Steve will tell you straight: your financials are wrong too.In this episode he breaks down exactly what the WIP schedule is tracking, wh

Profitable But No Cash? This Is Why | Ep 246 Jul 2, 2026 928 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Revenue is up. The team is celebrating. And the business owner is quietly pulling on the line of credit because cash is constantly tight.In this episode Steve breaks down exactly why profitable businesses run out of cash, what is actually happening between the income statem

Listen to This if You're Using AI to Optimize Your Business | Ep 245 Jun 29, 2026 885 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Everyone is talking about AI right now. Which tools to use, how to automate, how to stay ahead. Steve thinks AI is important too.But in this episode he wants to have the conversation almost nobody is having. Not which tools to use, but whether those tools are actually helpi

Why Most Contractors Price to Win Instead of Price to Profit | Ep 244 Jun 25, 2026 1221 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Winning work and profiting from work are two completely different things. Most contractors are only doing one of them.In this episode Steve breaks down why pricing to be competitive and pricing to actually make money require fundamentally different thinking, where the gap a

The #1 Thing I Fix First When a Business Is Struggling | Ep 243 Jun 22, 2026 1074 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit When Steve walks into a struggling business, people expect him to start with leadership, culture, or strategy. He never does.In this episode he walks through the one thing he fixes first in every struggling business, why everything else is pointless without it, and what it

If I Were Running a Construction Business, Here's Exactly What I'd Do | Ep 242 Jun 18, 2026 895 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Steve gets asked this question all the time. If you were running my business, where would you start?In this episode he answers it directly. He walks through exactly what he would do in the first 90 days running a $10 million specialty contracting business, the specific sequ

Why Contractors Run Out of Cash (And the Four Levers That Fix It) | Ep 241 Jun 15, 2026 1029 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Most specialty contractors know cash flow is important. What they do not know is what actually controls it.In this episode Steve walks through the four levers that determine whether a contracting business has cash or not. They are not complicated, but if you do not know wha

The 3 Biggest Strategy Mistakes Business Owners Make | Ep 240 Jun 11, 2026 799 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Most business owners have sat through a strategy session that felt productive in the room and changed nothing back at the office.In this episode Steve breaks down the three biggest mistakes he sees business leaders make when doing strategy. Not because they are not smart or

Your Gross Margin Is Probably Wrong. Here's Why. | Ep 239 Jun 8, 2026 891 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Most contractors who track their gross margin are still getting it wrong. Not because they are doing anything dishonest. Because the way their accounting is set up does not match the economic reality of their business.In this episode Steve walks through exactly how this hap

3 Things I Learned as CFO That Every Contractor Gets Wrong | Ep 238 Jun 4, 2026 962 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit When Steve became CFO of a billion-dollar construction company, he thought he had seen it all. But sitting inside a business at that scale taught him things no classroom or accounting firm ever could.In this episode he walks through the three financial mistakes he sees cont

Your Balance Sheet Is Deceiving You | Ep 237 Jun 1, 2026 823 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Most business owners feel pretty comfortable with their income statement. Revenue, costs, profit. Simple enough.But the balance sheet is where the real story lives and where most of the damage hides. If your balance sheet is a mess and you ever have to clean it up, those co

Why Your Business Gets Harder to Run as It Grows (And What to Do About It) | Ep 236 May 28, 2026 1136 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Revenue is up. The team is growing. There is no shortage of work. And somehow the business feels harder to run than when it was half the size.More stress, more decisions, more fires, and at the same time less margin, less cash, less clarity.In this episode Steve breaks down

5 Warning Signs Your Business is Heading Towards a Crisis | Ep 235 May 26, 2026 962 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Businesses almost never collapse without warning. The signs are usually there months before things get critical, sometimes even longer. The problem is most owners either do not know what to look for or they see the signs and convince themselves things will turn around.In th

The Conversation Most Business Partners Never Have | Ep 234 May 21, 2026 1060 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Most business partnerships do not fall apart because of personality conflicts. They fall apart because two people building something together never got aligned on the financial fundamentals.How much do we pay ourselves? How fast do we grow? What do we reinvest? What does a

The Number That Tells You If Your Business Is Worth Buying | Ep 233 May 18, 2026 1193 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Most business owners have a rough idea of what their business is worth. Usually it is based on what a friend sold theirs for or what feels right. But what a business is actually worth and what an owner thinks it is worth are almost never the same number.In this episode Stev

3 Things Every Successful Business Turnaround Has in Common | Ep 232 May 11, 2026 887 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Steve has been inside a lot of businesses that were in trouble. Some were losing cash. Some were profitable on paper but couldn't make payroll. Some had great teams and great customers and still couldn't figure out why nothing was working.In this episode he breaks

You Can't Scale Your Way Out of a Margin Problem | Ep 231 May 7, 2026 880 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit More revenue sounds like the answer when a business is struggling. But Steve has watched too many business owners chase growth thinking it would solve their cashflow problems, only to watch it make everything worse.In this episode he breaks down why scaling a broken margin

The Habits That Separate Growing Businesses From Stuck Ones | Ep 230 May 5, 2026 747 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit After working inside the financials of hundreds of businesses, Steve says the difference between the ones that grow and the ones that stay stuck almost never comes down to talent, market conditions, or even strategy.It comes down to habits. Specific, repeatable habits aroun

Let Me Reintroduce Myself | Ep 229 Apr 30, 2026 1307 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Steve does not talk about his personal life much. But when he does, the response is always the same: people reach out and say they could have written that story themselves.In this episode he steps back from the frameworks and the financials and shares where he actually came

Why Contractors Keep Losing Margin Even When Jobs Go Well | Ep 228 Apr 28, 2026 1472 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit The job went well. The crew performed. The client is happy. And the margin still is not there?Most contractors blame the field when this happens. But in this episode, Steve makes the case that the margin was already gone before the first shovel hit the ground. It was set in

Cutting Costs Is the Wrong Move (Do This Instead) | Ep 227 Apr 24, 2026 999 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit When the business starts struggling, the first instinct is almost always the same. Cut costs. Cut headcount. Cut marketing. Cut everything that is not essential.Steve gets it. But in this episode he makes the case that cutting costs is usually the wrong move and why doing i

Your Accountant is Not Your CFO (And It's Costing You) | Ep 226 Apr 21, 2026 1361 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Your books are clean. Reports come out on time. Taxes are filed. And you still don't know if you can afford that next hire, whether you should take on that big contract, or how much you can actually pull out without breaking the business.In this episode, Steve breaks d

5 Numbers That Tell You the Truth About Your Business | Ep 225 Apr 16, 2026 1325 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Most business owners track revenue. Some track profit. Almost none track the five numbers that actually tell you if their business is healthy, growing in value, and built to last.Steve sits down in this episode and walks you through exactly what he looks at in the first ten

What Nobody Tells You About Scaling Your Business | Ep 224 Apr 13, 2026 677 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Scaling sounds like the goal, but it’s also where a lot of businesses quietly break. Growth doesn’t fix problems, it exposes them. If margins are tight, they get tighter. If cash flow is inconsistent, it gets worse. And if the strategy isn’t working, scaling just accelerate

The #1 Struggle Business Leaders Face | Ep 223 Apr 2, 2026 447 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit A lot of business owners think profit is the goal, but the real problem shows up when the cash is not there.This is one of the most common struggles leaders deal with. Steve breaks down why profit and cash flow don’t match and shares a simple way to measure how much of your

The 3 Phases Every Failing Business Goes Through (And How to Escape) | Ep 222 Mar 24, 2026 970 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Most businesses don’t fail overnight. They go through the same three phases, and most owners don’t realize what’s happening until it’s too late.It starts with a strategy that quietly stops working, then margins get squeezed, and eventually cash runs out. Steve breaks down t

Why Your Business Makes Money But Never Seems to Have Any | Ep 221 Mar 17, 2026 670 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Your income statement says you made money, but your bank account says something else.This happens in more businesses than you think. Steve explains why profitable companies can still feel cash-strapped and where the money actually goes. Most of the time it disappears in jus

If You've Been Watching the News, You Better Know Your Numbers | Ep 220 Mar 12, 2026 1101 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit There is a lot of noise in the economy right now. Inflation, labor shortages, geopolitical tension, and constant disruption. In times like this, guessing in your business can get dangerous fast. Steve explains the 3 numbers every business owner should understand to stay in

This is Why Profitable Companies Run Out of Cash | Ep 219 Mar 9, 2026 1457 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit A lot of companies are profitable on paper but still run out of cash.The problem usually comes down to something most owners never measure called the cash conversion cycle. Steve explains why profit and cash flow are different, how working capital traps cash inside a busine

The #1 Thing Holding 99% of Businesses Back | Ep 218 Mar 2, 2026 1212 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit It’s not cash. It’s not strategy. It’s not training.The thing that holds most businesses back is the story the owner tells themselves. Steve shares real examples of companies with clear roadmaps to millions in upside who still did nothing. Not because they lacked tools, but

Why Working Hard Isn’t Fixing Your Business | Ep 217 Feb 26, 2026 431 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Working 60 hours a week. Missing dinners. Grinding nonstop. And still losing money. Steve shares a story about a frustrated president who was doing everything he could to turn around his division, but nothing was changing. The harder he worked, the worse it felt. The real i

How Strategy Turns Growth Into Cash Flow | Ep 216 Feb 23, 2026 574 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Growth does not automatically create cash flow. A lot of businesses learn that the hard way. Steve explains how strategy is supposed to turn growth into real free cash flow, not just more revenue and more chaos. He connects the dots between free cash flow, return on investe

The 8 Cash Flow Levers Every Business Owner Should Know | Ep 215 Feb 19, 2026 1694 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Most business owners think they have a profit problem. What they really have is a cash flow problem. Steve breaks down the eight cash flow levers that actually control how much money stays in your business. He walks through the four levers tied to profit and the four tied t

The 3 Generic Strategies and How to Tell If Yours Is Working | Ep 214 Feb 16, 2026 572 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Steve breaks down Michael Porter’s three generic strategies and explains what they really mean. More importantly, he walks through the numbers that reveal whether your strategy is producing real financial results or just sounding good in meetings.If you think you’re differe

The Turnaround I Didn’t Think Was Possible | Ep 213 Feb 12, 2026 880 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit If you’ve ever laid awake at night wondering if your business is about to collapse, this one will feel real. Steve shares the story of stepping into a company that was quietly running out of cash, losing money, and far closer to failure than most people knew. Jobs were on t

The Most Dangerous Decision Business Owners Face | Ep 212 Feb 9, 2026 794 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Most businesses don’t fail overnight. They fail because a hard decision keeps gets delayed. In this episode, Steve shares real stories from business owners who were one decision away from saving their company and didn’t act in time. He talks about what actually puts everyth

Why Finance Matters More Than You Think | Ep 211 Feb 5, 2026 1087 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Most people think finance is someone else’s job. The CFO. The CPA. The controller. Steve doesn’t see it that way.In this episode, he explains why every single person in a business affects the financial outcome, whether they realize it or not. He shares a story from early in

The Fastest Way to Get More Cash Flow | Ep 210 Feb 2, 2026 1209 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Want more cash flow? This episode is for you.Steve breaks down why taking on more debt usually makes cash flow worse, not better. He shares a real example of a business that got buried by high-interest loans and explains how cash problems actually start much earlier than mo

5 Questions That Reveal If Your Strategy Is Working | Ep 209 Jan 29, 2026 865 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Most business owners are confident their strategy is solid. Then they get asked a few simple questions and everything gets uncomfortable.In this episode, Steve shares five questions that quickly expose whether your strategy is actually working or just sounds good in meeting

The Biggest Mistake You Can Make This Year | Ep 208 Jan 26, 2026 745 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit The biggest mistake business owners make isn’t marketing, hiring, or growth. It’s ignoring financial literacy. In this episode, Steve explains how misunderstanding your numbers can quietly lock in a bad year before it even starts. He breaks down why profit doesn’t equal cas

Think You're Profitable? Think Again | Ep 207 Jan 20, 2026 536 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Most business owners think they’re profitable. Most are wrong. In this episode, Steve breaks down why even companies with CPAs and clean-looking financials often misunderstand their real margins. He explains how messy books distort gross profit, lead to bad pricing decision

Listen to This if You Want More Cash Flow in Your Business | Ep 206 Jan 12, 2026 1142 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Why do profitable businesses still run out of cash? In this episode, Steve breaks down why cash flow, not revenue or profit, is what actually keeps a business alive. He explains what free cash flow really is, why most owners misunderstand it, and how bad strategy, poor meas

Is Your Strategy Any Good? What You Need to Know | Ep 205 Dec 29, 2025 696 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit You probably think you have a strategy. But is it actually working?Steve breaks down how to tell if your strategy is helping you win or quietly holding you back. He explains why most teams can’t clearly explain the strategy, why the numbers don’t lie, and how profits, cash

When KPIs Are a Waste of Time | Ep 204 Dec 22, 2025 765 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Most companies track KPIs. Very few actually change behavior because of them.In this episode, Steve explains when KPIs stop helping, and why staring at dashboards doesn’t fix margin, profit, or cash flow. If your numbers keep sliding but nothing changes, this episode will s

How AI and Energy Growth Are Changing Construction with Maja Ericksen of Mortenson | Ep 203 Dec 17, 2025 2419 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit AI and energy demand are quietly reshaping construction, and most people don’t see it yet.Steve speaks with Maja Ericksen, Executive Vice President at Mortenson, to talk about why data centers and power projects are booming, how rural builds are changing the industry, and w

Is It Time to Change Your Strategy? | Ep 202 Dec 15, 2025 689 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Mission, vision, and values aren’t the problem, but stopping there is.In this episode, Steve explains why most companies mistake dreaming for strategy, how shrinking margins are really created, and what strategy actually looks like when it’s tied to numbers, cash flow, and

The Future of Business Strategy in the Age of AI | Ep 201 Dec 10, 2025 853 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Steve breaks down why old-school strategy models don’t fully work in an AI world anymore. He explains how the real value drivers have shifted to human capital and intellectual assets, why most companies confuse planning with strategy, and how to actually pick and attack the

Scaling a $50M Plumbing Company with Bob Logan | Ep 200 Dec 8, 2025 1779 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Steve sits down with Bob Logan, president of Plumbline, a $50M+ plumbing and HVAC company with over 150 techs on the road. They unpack how Bob scaled a residential service business, built a strong leadership team, deals with “poison” employees, uses numbers without a financ

Looking to Buy a Business? Listen to This First | Ep 199 Dec 1, 2025 1109 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Thinking about buying a business or taking over someone else’s?Before you jump in, Steve breaks down the five things he looks at every single time he evaluates a deal. You’ll learn how he analyzes revenue quality, what he looks for in financials, how he decides if a busines

Building a High End Landscape Company with Chris Turner | Ep 198 Nov 24, 2025 3368 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Elevate by Design: www.ebdstudios.com Nisho: www.studionisho.com Chris Turner walked away from a secure design job with no plan, just a feeling he wasn’t in the right place. That leap led him to co-found one of Denver’s top high-end landscape design studios. In this episode

How to Optimize Your Business Without Doing More | Ep 197 Nov 17, 2025 819 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit What if you could make more money without adding more work, more stress, or more customers? In this episode, Steve breaks down three overlooked levers that can grow your profit and cashflow without scaling your team or chasing more revenue. You’ll learn how just small tweak

5 Biggest Mistakes Companies Make When "Strategic Planning" | Ep 196 Nov 10, 2025 1071 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Before you book that offsite or map out next quarter, listen to this.Steve breaks down the five mistakes that derail most “strategic planning” sessions: picking the wrong facilitator, ignoring communication styles, showing up without data, jumping to tactics before strategy

How to Know If Your Sales & Marketing Is Working | Ep 195 Nov 3, 2025 733 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Most business owners spend thousands on sales and marketing, but few know if it’s actually paying off.Steve breaks down how to measure the real return on your sales and marketing spend using three simple checks. He explains how to evaluate the effectiveness of your funnel,

Financial and Economic News: October 30, 2025 Oct 30, 2025 897 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Major moves and market momentum in this week’s top financial stories, including:Chipotle Stock Tanks as Young Customers Cut BackBlackRock Caught in a $500 Million Fraud ScandalMeta’s AI Spending Sparks Investor DoubtWhite-Collar Jobs Vanish as AI Takes OverGoogle’s Record Q

Does Your Business Really Need a Strategy? (Yes, Here’s Why) | Ep 194 Oct 27, 2025 648 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Every business has a strategy, even if it’s not written down.The real question is whether yours is working. In this episode, Steve explains what strategy actually is, why every company needs one, and how to identify the strategic problem that’s holding your business back. H

Financial and Economic News: October 23, 2025 Oct 23, 2025 678 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Major moves and market momentum in this week’s top financial stories, including:Inside Silicon Valley’s 100-Hour AI GrindTesla’s Profits Drop as Musk Bets on RobotsHome Sales Rise as Mortgage Rates EaseGrocery Prices Keep ClimbingQuantum Stocks Surge on Trump’s Tech PushTun

Want to Scale Your Business? Do These 3 Things Right Now | Ep 193 Oct 20, 2025 857 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Most companies want to grow, but few are actually ready to scale. In this episode, Steve shares three things every business needs to do before turning on the growth engine. You’ll learn why documenting your processes can 10x your company’s value, how defining success in eve

Financial and Economic News: October 16, 2025 Oct 16, 2025 731 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Major moves and market momentum in this week’s top financial stories, including:Boomers Fall Behind on RetirementBlackstone Brings Private Equity to 401(k)sAI Data Centers Build Their Own Power PlantsSouthwest Ends Open SeatingWalmart Joins ChatGPT for AI ShoppingTune in fo

What Is Strategy In Less Than 5 Minutes | Ep 192 Oct 13, 2025 279 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Most business owners confuse strategy with planning.In this episode, Steve breaks down what strategy really means—and why getting it wrong can cost you. You’ll learn the difference between strategy and strategic planning, how to identify your company’s true strategic proble

Financial and Economic News: October 9, 2025 Oct 9, 2025 543 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Major moves and market momentum in this week’s top financial stories, including:Tariffs Rise, but U.S. Debt Tops $1 TrillionTrump Pushes Fannie Mae to Back BuildersHome Sales Slide as Prices Hit New HighPepsiCo Rebrands Lay’s Amid Snack SlowdownTune in for smart commentary,

What Makes a Great CFO (and How Owners Can Tell) with Tim Anderson | Ep 191 Oct 8, 2025 1932 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Learn more about Ready Electric: readyelec.com What separates a good CFO from a great one?Steve sits down with Tim Anderson, CFO of Ready Electric, to talk about what it really takes to lead the financial side of a business. They unpack how the CFO role has evolved from num

3 Finance Skills That Separate Successful Leaders from the Rest | Ep 190 Oct 6, 2025 828 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Most business owners avoid finance because it feels complicated—but it doesn’t have to be.Steve breaks down three simple financial concepts that will put you ahead of 90% of people in business: understanding your unit economics, mastering cash flow, and knowing the eight le

Financial and Economic News: October 2, 2025 Oct 2, 2025 673 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Major moves and market momentum in this week’s top financial stories, including:OpenAI Hits $500B Valuation OpenAI Launches TikTok-Style Video App Meta to Use AI Chats for Ads AI Spending Reaches Bubble Territory Tesla Delivers Surprise ReboundTune in for smart commentary, sharp context, and the financia

Listen to This If You’re Ready to Change Your Life | Ep 189 Sep 29, 2025 1538 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit If you’ve ever felt stuck, ashamed, or on the edge of giving up, you’re not alone. Steve opens up with his raw and uncut transformation story—from growing up broke, hitting rock bottom with bad habits and toxic relationships, to rebuilding his life and business with clarit

What is Strategy in Business? | Ep 188 Sep 22, 2025 1828 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Most business owners confuse strategy with planning. They make to-do lists, call it a strategy, and wonder why results don’t stick. In this episode, Steve breaks down what business strategy really means and why it’s different from a plan or a set of tactics. You’ll learn ho

Financial and Economic News: September 18, 2025 Sep 18, 2025 695 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Major moves and market momentum in this week’s top financial stories, including: Nvidia Gives Intel a $5B LifelineFed Cuts Rates With More Likely AheadThe Truth About Mortgage RatesWhat It Takes to Afford a $1M HomeMeta Bets on Glasses as the Future of AITune in for smart commentary, sharp context, and t

From $10M to $50M: Strategy and Clarity Behind Timberline One’s Growth | Ep 187 Sep 15, 2025 1846 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Learn more about Timberline One: timberlineone.com Most landscape companies stall out at a few million in revenue. Timberline One didn’t. In less than a decade, they scaled from $10 million to $50 million, and they’re still growing. Steve talks with CEO Judd and Chief of St

Financial and Economic News: September 11, 2025 Sep 11, 2025 731 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Major moves and market momentum in this week’s top financial stories, including: Stocks Rally as Fed Cut NearsJob Growth Revised Sharply LowerMortgage Rates Hit 11-Month LowOracle Signs $300B Deal with OpenAISaudi Arabia Bets Big on SolarTune in for smart commentary, sharp context, and the financial insi

What is Strategic Finance and Why Should You Care | Ep 186 Sep 9, 2025 1252 How much cash is hiding in your business? See if you qualify for a Free Financial Health Check Financial Intelligence Toolkit Free Financial Pro course: coltivar.com/byfiq Why do so many businesses fail even when they have a plan and solid financials? Steve breaks down the concept of strategic finance and why connecting your strategy to your numbers is the key to survival and growth. He shares les

Part 14: The Cash Flow Formula for a Thriving Business | Cash Flow Sep 9, 2025 523 Ready to see how much cash is hiding in your business? Get your free Financial Health Check now: coltivar.com/check This is Part 14 of Steve Coughran’s book Cash Flow. In the conclusion, Steve shares the personal lessons and turning points that shaped his obsession with cash flow. He emphasizes why business leaders have a fiduciary duty to master it, how cash flow fuels stability, growth, and comm

Part 13: The Cash Flow Playbook | Cash Flow Sep 9, 2025 515 Ready to see how much cash is hiding in your business? Get your free Financial Health Check now: coltivar.com/check This is Part 13 of Steve Coughran’s book Cash Flow. Steve introduces the Cash Flow Playbook—a step-by-step plan to apply the seven levers, use the scorecard, and build a resilient, cash-generating business. He shows how to prioritize the right levers, implement changes, track progres

Part 12: The Cash Flow Scorecard | Cash Flow Sep 9, 2025 491 Ready to see how much cash is hiding in your business? Get your free Financial Health Check now: coltivar.com/check This is Part 12 of Steve Coughran’s book Cash Flow. Steve introduces the Cash Flow Scorecard—a simple framework to diagnose where your business is leaking cash across the seven key levers. By scoring each area, you can pinpoint constraints, prioritize fixes, and build a roadmap for s

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