Cash flow coaching

Most small businesses don't fail because the owner is bad at the work. They fail because cash runs out. Profit on paper doesn't pay the rent; cash in the bank does. Cash flow coaching gives you a simple weekly routine so you always know where you stand.

What we'll work on

• A 13-week cash forecast you can update in 15 minutes
• A weekly 30-minute money meeting with yourself (I'll show you the agenda)
• Separate accounts for taxes, payroll, owner pay and operating money
• A plan for slow seasons so you're not scrambling every January
• Collect faster: deposits, clear terms and follow-up that doesn't feel awkward

Common questions

What's the difference between profit and cash flow?

Profit is what's left after expenses on paper. Cash flow is when the money actually moves. You can be profitable and still broke if customers pay late, inventory sits on shelves or a big bill lands the same week as payroll.

Do I need accounting software?

It helps, but it's not required to start. Many owners begin with their bank statements and a simple spreadsheet. If you already use QuickBooks, Wave or similar, we'll use what you have.

How fast will I see a difference?

Most owners feel calmer within the first two or three weekly money meetings, because the surprises stop. The bigger wins, like a cash cushion and steady owner pay, build over the first 90 days.

Book a free 30-minute small business call, open 7 days a week, 9 AM to 5 PM Eastern. Email [email protected].

Gino DiPierro completed Ramsey Solutions Financial Coach Master Training. Completion does not create an employment or agency relationship with Ramsey Solutions or its affiliates, is not a license or credential to give legal, tax, accounting, investment or other professional services, and is not an endorsement by Ramsey Solutions. Coaching is education and accountability, not tax, legal or accounting advice. For taxes, payroll filings and entity questions, work with a licensed CPA or attorney.