Send us a text In this special episode, Steve delivers a heartfelt message and shares an important update. Tune in for reflections, surprises, and what’s coming next. If this show has ever helped you grow your financial IQ, you won’t want to miss this one. 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. ...

Send us a text 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 re...

Send us a text 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 a clear playbook to turn things around. Disclaimer: BYFIQ, LL...

Send us a text 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 dra...

Send us a text 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 Group, LLC. The views expressed here are those of the individual C...

Send us a text Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/ Steve answers a listener's heartfelt question: should you work for a wage or build your own business? Through a raw and personal backstory from blizzards at Dairy Queen to building a multimillion-dollar company Steve shares the pivotal moments that shaped his journey. Disclaimer: BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. T...

Send us a text Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/ Most companies get stuck in operating finance, but the real power lies in strategic finance where financial insights drive big decisions and long-term growth. In this episode, Steve breaks down the key differences and why mastering both can make you a powerhouse in business. Disclaimer: BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. ...

Send us a text Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/ Running a business is like spinning plates—but how do you know if it's truly efficient? In this episode of Boosting Your Financial IQ, Steve reveals three key metrics every business must measure to drive growth and profitability. Disclaimer: BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. The views expressed here are those of the indi...

Send us a text Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/ Where’s your cash going? Even thriving businesses can feel stuck when money flows in and out without clarity. In this episode, Steve Coughran reveals why cash flow confusion isn’t your fault — and how to fix it. Learn the key steps to forecasting, managing, and boosting your cash flow so you can stay in control and grow with confidence. Disclaimer: BYF...

Send us a text Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/ Think you understand cash flow? Steve puts your financial knowledge to the test in this interactive trivia-style episode. From the difference between profit and cash flow to why profitable companies still go bankrupt, this episode breaks down key financial concepts that every entrepreneur and business owner needs to know. Whether you're a finance pro o...

Send us a text Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/ Steve has hired countless employees, and the hiring process never fails to shock him. From no-shows to unpolished resumes, he’s seen it all. In this episode, he shares the brutal truths job seekers need to hear—why some candidates never get a second look, the simple mistakes that ruin your chances, and the key habits that make you stand out. If you’re ...

Send us a text Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/ Most professionals know financial literacy is crucial, yet few follow through. In this episode, Steve Coughran uncovers why so many start strong but fail to finish—and what it takes to break the cycle. Through real-world insights and hard-hitting truths, Steve shares why there are no shortcuts to financial success, how distractions derail progress, and...

Send us a text Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/ What does it really take to lead the financial strategy of a billion-dollar company? Steve Coughran reveals the three biggest lessons he learned as CFO—insights that every business leader needs to know. From simplifying financials to uncovering hidden risks on the balance sheet, these takeaways can help you drive massive value. But the most important l...

Send us a text Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/ Too many leaders hide behind financial data, delaying action until every number is perfectly in place. But in reality, execution drives results—not spreadsheets. In this episode, Steve challenges the mindset that waiting for the “right” data is necessary and explains why intuition, strategy, and decisive action matter more. If you want to grow and scal...

Send us a text Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/ Got a brilliant business idea? Great! But can you explain your unit economics, break-even point, or burn rate? Most people can’t—and that’s why they fail. In this episode of Boosting Your Financial IQ, discover why financial literacy is the ultimate game-changer for turning ideas into profitable realities. From decoding lifetime gross profit to maste...

Send us a text Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/ Ever felt the panic of being promoted into a leadership role, only to realize you're expected to speak fluently in the language of numbers? You're not alone—and you don't have to wing it. In this episode of BYFIQ, discover why "faking it till you make it" is a dangerous strategy in finance. Steve shares personal stories, practical insights, and actio...

Send us a text Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/ What began as a simple idea to teach financial literacy has grown beyond my wildest dreams—all thanks to you. Your support, shares, and feedback make this journey possible, and I’m truly honored to have you along for the ride. Thank you for being part of this mission. Here’s to empowering even more leaders together! Cheers! Disclaimer: BYFIQ, LLC is ...

Send us a text Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/ What if a single number could transform how you think about discounts, broken tools, or even your team’s decisions? In this episode, Steve reveals the "X Factor"—a deceptively simple formula that will make you rethink every dollar in your business. Learn how this tool turned his landscape company from chaos to profitability and why it can do the same...

Send us a text Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/ Are you leaving money on the table without even knowing it? In this episode of BYFIQ, Steve dives straight into the four levers of profitability—the critical factors that can make or break your bottom line. Learn why most business leaders get it wrong, how a simple 1% change can transform your results, and why pricing is your most powerful tool (if y...

Send us a text Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/ Are you ready to make decisions today that your future self will thank you for? In this episode of Boosting Your Financial IQ, Steve dives into the life-changing milestones and tough lessons learned on the journey from struggle to success. Whether you're starting your first job, launching a business, or figuring out your financial path, this is your...