Want to grow your business? Download your free roadmap today: coltivar.com/growth coltivar.com/benchmarks 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 cas...

Growth Roadmap: coltivar.com 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...

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 w...

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 equi...

Want to grow your business? Download your free roadmap today: coltivar.com/growth 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 l...

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 str...

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...

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 co...

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 wa...

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 expe...

Want to grow your business? Download your free roadmap today: coltivar.com/growth Levers of Profit Calculator: coltivar.com/levers-of-profit-calculator 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 t...

Want to grow your business? Download your free roadmap today: coltivar.com/growth Try out our free tools and calculators: coltivar.com/tools 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. ...

Want to grow your business? Download your free roadmap today: coltivar.com/growth Try out our free tools and calculators: coltivar.com/tools Sign up for the Financial Pro course: byfiq.com/financial-pro 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...

Want to grow your business? Download your free roadmap today: coltivar.com/growth Levers of Profit Calculator: coltivar.com/levers-of-profit-calculator 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 c...

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...

Want to grow your business? Download your free roadmap today: coltivar.com/growth Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/ Steve is back! After taking a break to focus on his business, Coltivar, he's returning to the Boosting Your Financial IQ podcast with fresh insights and a new tool to help you level up your financial game. In this episode, Steve shares why financial literacy is key for business owners a...

Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/ What is a good profit margin for a small business? In this episode of Boosting Your Financial IQ, Steve unpacks the truth behind profit margins—what they really mean, why they vary across industries, and how to know if your business is healthy. With practical examples, real stories, and actionable strategies, Steve helps you move beyond just chasing revenue to buildi...

Want to grow your business? Download your free roadmap today: coltivar.com/growth Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/ Profit isn’t a reward, it’s a system. In this episode of Boosting Your Financial IQ, Steve breaks down the essential strategies behind building a truly profitable business. Whether you lead a growing company or are stuck wondering where the profit went, this episode will give you ...

Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/ Your company is generating real revenue, but where’s the profit? In this episode of Boosting Your Financial IQ, Steve unpacks the most common (and often hidden) reasons businesses struggle to turn revenue into bottom-line results. From product-market fit to pricing, from customer experience to capital structure Steve reveals the pitfalls that drain profitabilit...

Want to grow your business? Download your free roadmap today: coltivar.com/growth Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/ Steve reveals the five things financially savvy CEOs focus on (and the common traps they avoid) to build cash-rich, high-growth companies. If you’re ready to shift from operator to strategic thinker, this one’s for you. Disclaimer: BYFIQ, LLC is a wholly owned entity of Coltivar...