Dave Ramsey

Simple as that.

And the next time you get ready to buy a car, you pay for it or you don't buy it.

Next time you get ready to buy equipment, you pay for it or you don't buy it.

Just live your life that way, and you'll have a lot simpler, a lot cleaner life.

Now, then back to the other thing.

The things that kill small businesses is the one thing that kills them is cash flow.

they don't keep up with their taxes they don't keep their books they don't do their quarterly estimates and then they get in debt it's the second thing and both of those cause cash flow problems number one reason for small business failure is cash flow problems translation tax problem not paid and debt problem so they 76 of the small businesses in america are carrying credit card debt on the business

They used a stupid MasterCard to do a business finance.

I mean, this is insanity.

It's 30-something percent.

Yeah.

And then wonder why I have cash flow problems, okay?

Now, she didn't do that, or they may have, but they just paid off the $6,000 the other day.

But I don't know if that's business or personal.

So you've got to stay out of debt.

Then the second thing that kills small businesses is what's killing her.

It grows so fast that you don't keep your accounting systems in place and your other processes and systems in place.

They don't keep up.

You're still running it in the mentality of out of my back pocket.

And that's what causes people to leave $100,000 laying there because they don't know what to do.