Explore every episode of the podcast Strategy Meets Finance
Dive into the complete episode list for Strategy Meets Finance. Each episode is cataloged with detailed descriptions, making it easy to find and explore specific topics. Keep track of all episodes from your favorite podcast and never miss a moment of insightful content.
Major moves and market momentum in this week’s top financial stories, including:
Boomers Fall Behind on Retirement
Blackstone Brings Private Equity to 401(k)s
AI Data Centers Build Their Own Power Plants
Southwest Ends Open Seating
Walmart Joins ChatGPT for AI Shopping
Tune in for smart commentary, sharp context, and the financial insight you need to lead in a changing world — only on FinWeekly.
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Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.
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 problem, and the six components every winning strategy needs. Steve also explains how to connect your strategy to the financial side of your business so it drives real results, not just words on paper.
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Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.
Major moves and market momentum in this week’s top financial stories, including:
Tariffs Rise, but U.S. Debt Tops $1 Trillion
Trump Pushes Fannie Mae to Back Builders
Home Sales Slide as Prices Hit New High
PepsiCo Rebrands Lay’s Amid Snack Slowdown
Tune in for smart commentary, sharp context, and the financial insight you need to lead in a changing world — only on FinWeekly.
_______________________________________
Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.
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 number-crunching to strategic partnership, how owners can tell if their CFO is truly adding value, and what skills future CFOs should develop to reach the top.
From AI’s impact on finance to finding balance between work, family, and leadership, this conversation reveals what great financial leadership looks like in the real world.
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Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.
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 levers that drive profit. He explains how small shifts in how you read your numbers can lead to massive gains in cash flow, clarity, and control. If you’ve ever felt lost in the financial side of your business, this episode will change that.
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Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.
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 Rebound
Tune in for smart commentary, sharp context, and the financial insight you need to lead in a changing world — only on FinWeekly.
_______________________________________
Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.
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 clarity, strategy, and purpose.
This episode is about more than business. It’s about what happens when you take ownership, connect the pieces of your life, and commit to becoming better, day by day.
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Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.
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 how to identify your company’s true strategic problem, why putting the customer at the center matters, and the framework that connects strategy with finance so you can grow profit, improve cash flow, and increase firm value.
_______________________________________
Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.
Major moves and market momentum in this week’s top financial stories, including:
Nvidia Gives Intel a $5B Lifeline
Fed Cuts Rates With More Likely Ahead
The Truth About Mortgage Rates
What It Takes to Afford a $1M Home
Meta Bets on Glasses as the Future of AI
Tune in for smart commentary, sharp context, and the financial insight you need to lead in a changing world — only on FinWeekly.
_______________________________________
Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.
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 Staff Stephanie about the choices, discipline, and clarity that fueled their rise. From messy beginnings to bold acquisitions, from aligning strategy with financial reality to keeping people engaged through rapid change, their story shows what it really takes to break through growth ceilings without losing control.
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Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.
Want to grow your business? Download your free roadmap today: coltivar.com/growth
Major moves and market momentum in this week’s top financial stories, including:
Stocks Rally as Fed Cut Nears
Job Growth Revised Sharply Lower
Mortgage Rates Hit 11-Month Low
Oracle Signs $300B Deal with OpenAI
Saudi Arabia Bets Big on Solar
Tune in for smart commentary, sharp context, and the financial insight you need to lead in a changing world — only on FinWeekly.
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Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.
This is Part 11 of Steve Coughran’s book Cash Flow. Steve covers the seventh lever of cash flow: strategy. He explains why profit is just the result of a good strategy, how ROIC is the scoreboard that proves whether your strategy is working, and the two main paths to long-term competitive advantage: differentiation or cost leadership.
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 lessons from building his own company and working with business leaders, showing how the right approach can improve cash flow, boost profits, and create more freedom for owners.
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Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.
Part 14: The Cash Flow Formula for a Thriving Business | Cash Flow
09 Sep 2025
00:08:43
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 community impact, and why discipline—not just profit—ultimately determines whether a business thrives or fails.
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 stronger free cash flow and long-term value.
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 progress, and create a company that thrives in any economy.
This is Part 10 of Steve Coughran’s book Cash Flow. Steve unpacks the sixth lever of cash flow: risk. He explains how uncertainty lowers valuation multiples and raises the cost of capital, the biggest risks that scare investors, and the steps business owners can take to de-risk their company and build more stable, predictable cash flow.
This is Part 6 of Steve Coughran’s book Cash Flow. Steve unpacks the second lever of cash flow: price. He explains why price is the most powerful driver of profitability, how perceived value determines what customers will pay, and how businesses can raise prices confidently without losing customers.
This is Part 8 of Steve Coughran’s book Cash Flow. Steve explains the fourth lever of cash flow: operating expenses. He shows why cutting costs blindly destroys value, how to eliminate waste without hurting growth, and the smart ways to optimize overhead while protecting employees, customers, and long-term strategy.
This is Part 9 of Steve Coughran’s book Cash Flow. Steve introduces the fifth lever of cash flow: capital. He explains why EBITDA isn’t cash flow, how invested capital and ROIC reveal whether a business is creating or destroying value, and the hidden cash traps in receivables, inventory, and CapEx that often strangle growth.
Part 3: What Creates Value in a Business? | Cash Flow
09 Sep 2025
00:12:34
This is Part 3 of Steve Coughran’s book Cash Flow. Steve reveals what truly creates value in a business: generating more cash flow than the cost of your investments. He explains return on invested capital (ROIC), why growth without strong returns destroys value, and how to measure whether your business is actually creating or burning cash.
This is Part 7 of Steve Coughran’s book Cash Flow. Steve covers the third lever of cash flow: cost of goods sold (COGS). He explains why lowering COGS directly boosts profitability, how throughput matters more than margins, and the strategies businesses can use to cut waste, improve labor efficiency, and increase cash flow without sacrificing quality.
Part 4: Two Ways to Measure Firm Value | Cash Flow
09 Sep 2025
00:17:38
This is Part 4 of Steve Coughran’s book Cash Flow. Steve breaks down the two main ways businesses are valued: the income approach, based on free cash flow, cost of capital, and growth, and the market approach, based on EBITDA multiples. He explains why understanding both is critical, how multiples impact valuation, and what really drives the worth of your company.
This is Part 2 of Steve Coughran’s book Cash Flow. Steve explains why profit doesn’t protect a business from failure and why free cash flow is the real survival metric. He breaks down how to calculate free cash flow, why it matters more than revenue or profit, and how companies with strong cash flow thrive in any economy.
This is Part 5 of Steve Coughran’s book Cash Flow. Steve introduces the first lever of cash flow: volume. He explains why selling more only creates value if it’s profitable, how to fix weak sales and marketing systems, and how the revenue flywheel drives sustainable growth without burning cash.
Part 1: The Foundation of Great Companies | Cash Flow
09 Sep 2025
00:21:47
This is Part 1 of Steve Coughran’s book Cash Flow. Steve lays the foundation of why so many businesses struggle with cash even when they look profitable on paper. He explains the stages of a hidden cash flow crisis, why free cash flow matters more than revenue or profit, and introduces the seven levers that determine a company’s value.
How SBA Financing Really Works When Buying a Business with Sean Goggins | Ep 185
08 Sep 2025
00:32:10
Want to grow your business? Download your free roadmap today: coltivar.com/growth
This week, Sean Goggins, SBA Commercial Loan Officer at Cadence Bank, joins Steve Coughran to break down how SBA loans really work when buying a business. They cover how much cash you actually need, when seller financing helps, what banks look for in cash flow, and the mistakes that kill deals. If you’ve wondered whether you can buy a business with limited money, this episode gives you the answers.
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Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.
Want to grow your business? Download your free roadmap today: coltivar.com/growth
Major moves and market momentum in this week’s top financial stories, including:
Fed Faces Political Turmoil Ahead of Cuts
Buffett Bets on Build-to-Rent Housing
Gap and Old Navy Enter the Beauty Market
Kraft Heinz Splits Up to Refocus Strategy
Elliott Targets PepsiCo for a Shake-Up
Tune in for smart commentary, sharp context, and the financial insight you need to lead in a changing world — only on FinWeekly.
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Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.
Why Businesses Stall Between $1M–$3M and How to Scale Past It | Ep 184
03 Sep 2025
00:16:04
Want to grow your business? Download your free roadmap today: coltivar.com/growth
Most businesses stall between $1M and $3M in revenue. Cash gets tight, profit disappears, and owners feel stuck doing everything themselves. In this episode, Steve Coughran explains why the “death zone” happens and what you need to change to push through it. If your company is in this range—or headed there—this will show you how to scale without running out of cash.
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Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.
If you had to start from scratch and get smarter with money fast, where should you begin? In this episode, Steve Coughran breaks down the three financial statements every owner must understand, the key numbers to watch, and the free tools you can use to spot profit gaps and cash flow needs. It’s a simple roadmap to raise your financial IQ quickly and make better decisions for your business.
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Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.
AI’s Big Leaps Are Slowing—And That Might Be Good News
AI-Skilled 20-Somethings Are Cashing In
Tune in for smart commentary, sharp context, and the financial insight you need to lead in a changing world — only on FinWeekly.
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Disclaimer: BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.byfiq.com/terms-and-privacy-policy for additional important information.
How Fast Can You Grow Your Business Without Going Broke? | Ep 182
27 Aug 2025
00:11:30
Want to grow your business? Download your free roadmap today: coltivar.com/growth
Growing fast feels exciting—but grow too quickly without enough cash and you’ll find yourself in big trouble. In this episode, Steve breaks down the simple formula every business owner needs to know: how to figure out the maximum speed your company can grow before you run out of money.
He also shares a free calculator so you can plug in your numbers and see for yourself. If you’ve ever wondered whether your growth plans are realistic or risky, this will give you the clarity to scale with confidence.
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Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.
Most business owners look at their income statement but don’t really know what it’s telling them. In this episode, Steve breaks it down so you can see where profit is really made and where it’s slipping away. He explains how to read revenue, cost of goods sold, and gross profit, and then shows you what operating profit reveals about your overhead and efficiency.
You’ll also learn the three levers that drive profitability and how to use them to improve margins and protect cash flow. If you’ve ever wondered why your sales keep growing but your bank account doesn’t, this episode will give you the clarity to spot hidden profit and make smarter financial decisions.
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Disclaimer: BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.byfiq.com/terms-and-privacy-policy for additional important information.
Want to grow your business? Download your free roadmap today: coltivar.com/growth
Major moves and market momentum in this week’s top financial stories, including:
Jobless Claims Signal Cracks in the Labor Market Fed Holds Back on Rate Cuts at Jackson Hole Blackstone Bets on Power Infrastructure Walmart Walks the Tariff Tightrope Housing Market Gives Buyers New Leverage Corporate Hiring Plans Cool
FinWeekly has the latest updates on market-shaping headlines and business strategy insights: Jobless claims rose to 235,000 last week, the biggest jump in three months, while continuing claims hit their highest level since 2021. With hiring slowing and tariffs adding pressure, the labor market is starting to show real cracks — and consumers are beginning to feel it.
At Jackson Hole, Fed officials struck a cautious tone. Kansas City’s Jeffrey Schmid questioned whether current rates are even restrictive enough, signaling that cuts aren’t coming until the Fed sees “very definitive data.” For households and businesses, that means borrowing costs are likely to stay higher for longer.
Private equity powerhouse Blackstone agreed to buy Shermco, an electrical services firm, for $1.6 billion. It’s a bet on the infrastructure behind AI and data centers — a reminder that the real money in tech often lies in the backbone, not the buzz.
Walmart delivered strong sales growth but warned of rising costs as tariffs weigh on margins. By absorbing price hikes, it’s keeping shoppers across income levels loyal — a case study in how scale and cost discipline drive share gains in a squeezed economy.
Housing offered a rare surprise: existing-home sales rose 2% in July as prices cooled and mortgage rates dipped. Buyers are regaining leverage, with more listings, price cuts, and longer days on market opening the door to negotiations.
And across corporate America, hiring plans are cooling fast. One in five employers expects to slow headcount growth, with AI and cost discipline reshaping how companies think about labor. For workers, that means fewer openings and longer job searches — and for leaders, a push to do more with less.
Tune in for smart commentary, sharp context, and the financial insight you need to lead in a changing world — only on FinWeekly.
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Disclaimer: BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.byfiq.com/terms-and-privacy-policy for additional important inform
What to Look For When Buying or Selling a Business | Ep 180
20 Aug 2025
00:21:22
Want to grow your business? Download your free roadmap today: coltivar.com/growth
Buying or selling a business can go wrong fast. Pay too much as a buyer and you’ll regret it. Sell too soon and you might leave millions on the table. In this episode, Steve Coughran shares a CFO’s perspective from years of buying, building, and selling companies worth over a billion dollars.
He breaks down the three main ways businesses are valued, the four factors that drive valuation up, and the eight hidden risks that drag it down. Whether you’re looking to acquire a company or prepare for an exit, this episode shows you exactly what investors look for—and how to maximize the value of your business.
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Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.
Most people assume a $5 million business must mean big money for the owner. But in this episode, Steve breaks down the real numbers behind a $5M landscaping company, from revenue to actual cash in hand. Spoiler: it’s not what you think.
Whether you're in landscaping, construction, or any service industry, this breakdown will help you understand how profit isn't the same as cash flow—and why that difference is what makes or breaks your business. This could change how you read your P&L forever.
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Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.
Want to grow your business? Download your free roadmap today: coltivar.com/growth
Major moves and market momentum in this week’s top financial stories, including:
Producer Prices Pop to a 3-Year High Bessent’s Bold Push for Big Fed Cuts Fast-Casual Chains Lose Their Sizzle Southwest Ends Open Seating, and a Strategy Amazon Doubles Down on Grocery Domination Ulta and Target Break Up the Beauty Aisle
FinWeekly has the latest updates on market-shaping headlines and business strategy insights: July’s Producer Price Index surprised markets, jumping 0.9% month-over-month, the fastest core gain in over three years. With consumer prices also running hot, inflation may be reaccelerating just as the Fed prepares to cut rates. Businesses are already feeling the squeeze and may pass higher costs to consumers, setting up a tricky fall for policymakers.
Treasury Secretary Scott Bessent is urging the Fed to move faster, calling for a half-point cut in September and 150 basis points total over the coming months. That’s well below market expectations and adds even more weight to Powell’s August 22 Jackson Hole speech.
In the restaurant world, Cava, Sweetgreen, and Chipotle all posted disappointing Q2 results as lunch traffic cooled and budget-conscious customers pulled back. It’s a reminder that even cult-favorite brands aren’t immune to a consumer slowdown.
Meanwhile, Southwest Airlines is ending its decades-old open seating policy, trading boarding speed and customer loyalty for assigned-seat upsells, a shift that could erode one of its core strategic advantages.
Amazon is pushing deeper into grocery with same-day fresh delivery in 1,000 cities this year and 2,300 by the end of 2025, a direct challenge to an industry built on razor-thin margins.
And in retail, Ulta Beauty and Target will end their shop-in-shop partnership by August 2026, with Ulta focusing on standalone growth and Target looking to fill the beauty gap through private-label and new brand partnerships.
Tune in for strategic insight, smart commentary, and the financial context you need to lead in a changing world — only on FinWeekly.
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Disclaimer: BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.byfiq.com/terms-and-privacy-policy for additional important information.
Too Old to Be an Entrepreneur? Think Again | Ep 178
11 Aug 2025
00:18:14
Want to grow your business? Download your free roadmap today: coltivar.com/growth
Most people think entrepreneurship is a young person’s game. But the data says otherwise. In this episode, Steve breaks down why your 30s, 40s, and even 50s might be the best time to launch or buy a business—and how real-world experience gives you a massive edge over the typical startup founder.
He also unpacks some of the biggest myths around age and entrepreneurship, shares what he's seen from founders who started later and built real wealth, and offers a perspective that might change how you think about your next chapter. If you’ve ever wondered, “Am I too old to start a business?”—this one’s for you.
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Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.
Want to grow your business? Download your free roadmap today: coltivar.com/growth
Major moves and market momentum in this week’s top financial stories, including:
Blackstone Drills into Data Apple’s $100 Billion Hedge Margins Are the Meal at McDonald’s The Fed’s September Fork in the Road NFL and ESPN: A Streaming Power Play
FinWeekly has the latest updates on market-shaping headlines and business strategy insights: Blackstone is back in acquisition mode, placing a $6.5 billion bet on energy data firm Enverus. It’s not just about M&A — it’s a sign that private equity is eyeing high-margin, insight-driven plays as interest rates fall and dealmaking heats up.
Meanwhile, Apple just pledged $100 billion to boost U.S. manufacturing in what looks like a preemptive move against potential iPhone tariffs. From Kentucky glass to Texas semiconductors, Apple is rewiring its supply chain to mitigate risk and reclaim control — and investors are cheering.
Over in fast food, McDonald’s stock is climbing, but the real story is in the margins. With flat revenue and shrinking operating leverage, the company is proving that cash flow discipline — not just top-line growth — separates the resilient from the rest.
All eyes are on the Fed ahead of its September meeting. With dissent brewing inside the FOMC and the labor market showing signs of weakness, rate cuts may be closer than expected. What happens next could reshape the capital landscape for borrowers, investors, and business owners alike.
And in a bold media shake-up, Disney is handing the NFL a 10% stake in ESPN — in exchange for NFL Network, RedZone, and more. It’s not just about content — it’s about ownership, bundling, and strategic alignment as ESPN launches its new $29.99/month streaming platform.
Tune in for strategic insight, smart commentary, and the financial context you need to lead in a changing world — only on FinWeekly.
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Disclaimer: BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.byfiq.com/terms-and-privacy-policy for additional important information.
The Biggest Lie You Are Told About Building Wealth | Ep 177
04 Aug 2025
00:16:43
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We’ve been sold a story: save 10% of your paycheck, invest it in the market, and one day you’ll retire rich. But is that really how wealth is built? In this episode, Steve breaks down the math behind that promise—and explains why the numbers don’t add up like you think they do.
From compounding myths to misleading online advice about laundromats, rental properties, and passive income, this is a no-filter look at what actually creates real wealth. Steve shares what he’s seen working with business owners behind the scenes—and makes the case for why buying, building, and selling businesses is the most powerful (and overlooked) path to financial freedom.
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Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.
Netflix vs. Spotify - Who's More Profitable? | Ep 176
01 Aug 2025
00:31:52
Want to grow your business? Download your free roadmap today: coltivar.com/growth
Netflix and Spotify may look similar on the surface—massive platforms, global audiences, subscription models—but dig into the numbers, and the differences are hard to ignore. In this episode, Steve breaks down both companies’ financials in plain English and reveals why Netflix generates 3X more profit than Spotify despite having a similar number of paying users.
From gross margin to free cash flow, and strategy to scale, you'll get a behind-the-scenes look at how these businesses actually operate—and why some strategic choices have a bigger financial payoff than others. If you like real-world company breakdowns that connect strategy with numbers, this one’s for you.
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Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.
How to Find a Good Mentor (Red Flags to Watch Out For) | Ep 175
29 Jul 2025
00:22:54
Want to grow your business? Download your free roadmap today: coltivar.com/growth
Mentors can change your life—or waste your time. In this episode, Steve shares what he’s learned about finding the right kind of mentor, why most people get it wrong, and a story he’s never told before that will make you rethink who you take advice from.
He also breaks down the subtle difference between advice and counsel, how to reach out without making it weird, and why some mentorships do more harm than good. It’s honest, surprising, and might shift the way you look at mentorship entirely.
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Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.
Why Most Entrepreneurs Fail on Shark Tank... And In Real Life | Ep 174
21 Jul 2025
00:13:07
Want to grow your business? Download your free roadmap today: coltivar.com/growth
Shark Tank is entertaining—but it’s also one of the best crash courses in real-world finance. This episode breaks down the biggest money mistakes founders make on the show (and in real life), what investors actually care about, and why revenue is not the same as wealth.
If you’re building a business, thinking about buying one, or just want to get smarter with money, this one’s packed with takeaways that could save you from costly mistakes.
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Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.
Why I’d Never Want to Be a Partner at an Accounting Firm | Ep 173
17 Jul 2025
00:14:59
Want to grow your business? Download your free roadmap today: coltivar.com/growth
In this episode, Steve shares the real reason he left Ernst & Young and why he’d never want to be a partner at an accounting firm. It all started with a conversation that made him question everything, and the lessons he’s learned since might surprise you. If you’re considering the traditional career route or if you’re stuck between the grind and your personal life, this episode is for you.
You won’t want to miss this personal story and a perspective shift that could change how you think about success.
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Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.
The Truth About Buying Boring Businesses (What the Gurus Aren’t Telling You) | Ep 172
14 Jul 2025
00:13:16
Want to grow your business? Download your free roadmap today: coltivar.com/growth
Steve pulls back the curtain on the whole "buying boring businesses" trend that’s being pushed by influencers.
While the idea of grabbing a laundromat or a small trade business might sound like an easy path to profit, there’s a lot more to the story. Steve explains why the numbers being shared out there are often misleading and what’s really going on behind the scenes when it comes to profits, capital expenditures, and cash flow.
By the end, you’ll see why understanding these details is crucial to making smart business decisions—and avoiding costly mistakes. If you're thinking about buying a business, or just curious about what’s really happening in these deals, this episode's for you.
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Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.
Ever wondered what makes Starbucks so profitable? In this episode, we take a deep dive into Starbucks' business model and financials. Learn how the company generates billions, what their revenue per store looks like, and how they maintain strong profits. We’ll also compare Starbucks to its competitors like Dunkin' Donuts and Dutch Bros to give you a better understanding of what sets them apart.
By the end of this episode, you'll not only know how Starbucks operates but also how the business’s numbers and strategies align. Plus, you'll gain valuable insights on how you can apply these lessons to your own business or investments. Get ready to dive into the real story behind Starbucks’ financial success and how you can think more strategically about your own financials.
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Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.
Most people stay broke because they’re playing the wrong game. The typical formula of getting a job, saving, and hoping for the best simply doesn’t work. In this episode, Steve breaks down why 99% of people remain stuck in the time-for-money trap, how financial illiteracy keeps us from wealth, and why the traditional saving mindset is a myth.
Learn the three key levers of wealth and a simple roadmap for how to escape the cycle of working for money and start building wealth that works for you. By the end of this episode, you’ll understand how to shift from being a worker to an owner, and start taking actionable steps towards financial freedom.
Get ready for a mindset shift, practical steps, and a call to take charge of your financial future today.
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Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.
Starting a business from scratch can be risky and costly. But what if you could skip the grind and buy a profitable business instead? In this episode, Steve reveals how you can buy a business—even if you don’t have a lot of money. He covers five ways to structure a deal with little to no cash, including seller financing, SBA loans, and investor partners.
You’ll also learn the three key numbers to focus on when evaluating a business and how to avoid rookie mistakes that can blow up your deal. If you’re serious about building wealth through business ownership, buying an existing business could be one of the smartest, fastest paths forward.
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Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.
Want to know how to boost your business’s profitability? There are just four key levers that make all the difference: price, volume, cost of goods sold, and operating expenses. Once you understand these, you’ll be equipped to make smarter decisions that drive real results.
In this episode, Steve walks you through a free tool he created that calculates how small changes to these four levers can impact your profit. With just two simple inputs—cost of goods sold and operating expenses—you’ll instantly see how adjusting each lever can improve your bottom line.
Whether you're leading a team or sitting in a meeting, this tool gives you the confidence to make decisions based on real data.
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Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.
If I Had to Learn Finance All Over Again, Here’s What I’d Do | Ep 167
16 Jun 2025
00:25:59
Want to grow your business? Download your free roadmap today: coltivar.com/growth
Why do so many businesses struggle with cash flow—and how can you avoid the same fate? In this episode, Steve reveals one of the biggest hurdles he sees business leaders face: a lack of financial literacy. But it’s not about complex accounting—it’s about understanding the story behind the numbers so you can take action.
Steve shares his journey of learning the basics of finance and why getting these fundamentals right could be a game-changer for your business. From income statements to balance sheets, he breaks down the essentials that all business owners need to know. Tune in to learn how understanding your numbers can help you make smarter decisions and set your business up for long-term success.
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Disclaimer: The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.
This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information.