Debt free, taxes paid, savings funded even with inconsistent income

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a 12 month group coaching program for business owners who want an organized and more profitable business.

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You're a larger executive team-led businesses with multiple financial decision-makers and departments



You want to fully delegate financial thinking to a bookkeeper or CFO



You believe income alone will solve everything and aren't willing to examine spending, systems, or strategy



You're obsessed with tax loopholes, investing hacks, or corporate-style budgeting


You're a venture-backed or investor-funded company looking for scalability over anything else

You might want to skip this if…

If You’re Making Money In Your Business But Still Feel Broke, This Program Is For You

You’re running a business on your own, and even though money’s coming in, it still feels tight, chaotic, or out of control.


You’ve hit a point where “winging it” isn’t working anymore, you want a structure that still lets you be you, but gives your money a plan.


You’re over the endless push to “just make more”, you want to actually keep and use the money you’re already working hard to earn.


You’re tired of being told to “just stop spending”, you want to learn how to spend smarter to get a higher ROI.


You want to take home more money, build real personal wealth, and feel secure, not just keep reinvesting everything back into the business.

Money School is probably for you if...

Feel Safe With Money Even If Your Income Isn’t Predictable.

Inside Small Business Money School, you’ll:
➝ Get 3 months of expenses in the bank 
➝ Pay off tax debt and avoid surprise bills
➝ Eliminate business debt without delaying your own paycheck
➝ Actually keep more of the money you’re already earning
You’re not bad with money. You've just never learned how to manage it like this!

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Sometimes it can feel like business is 1 big cash flow wave followed by... nothing. No matter what's going on right now we're going to help you calm the storm.


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IN SMALL BUSINESS MONEY SCHOOL YOU WILL CREATE ALL THIS FINANCIAL SECURITY IN YOUR LIFE & BUSINESS.



04

What Life Looks Like When Money Isn’t a Mystery Anymore

No more dread. You’ll log in knowing exactly what you’re looking at and what every dollar is doing. With a system that removes the shame spiral, avoidance disappears too.

You’ll know exactly what to do if income slows down.

01

Feast or famine don’t scare you anymore. You’ll have a monthly system that flexes with your revenue, so slower months don’t derail your pay or your peace of mind.

You’ll build wealth for yourself, not just generate more sales.

02

No more pouring every dollar back into the business. You’ll consistently pay yourself and hit real milestones like savings, investing, and debt payoff, while the business keeps growing.

You’ll be ready for tax season months in advance.

03

You’ll make a plan to eliminate business debt that doesn’t require slashing what’s working. No more robbing your marketing budget or skipping your own paycheck just to make a minimum payment.

You’ll stop the debt spiral without gutting your plans.

Welcome to Small Business Money School.

We help small business owners become debt free, pay taxes in full, and build business savings in 6 months. We've helped over 300 business owners through this program.



How does Small Business Money School work?

Small Business Money School is a comprehensive 12-month program that takes you through our 4-step Path to Profit system: Know Your Numbers, Control Your Expenses, Pay Off Debt Fast, and Increase Profit. You also get weekly Zoom coaching, a private community, and quarterly CFO reporting, plus weekday support so you can stabilize your business and build wealth without doing your finances alone.



1 

You can’t fix what you can’t measure. And too many business owners are flying blind.

In this milestone you learn:
  • The exact financial metrics that matter
  • How to set up your P&L
  • How to calculate owner’s pay
  • How to build your Cash Flow Waterfall
  • How to plan for taxes without fear

I always say specificity is the enemy of fear. In this module you'll eliminate confusion, avoidance, and panic and replaces them with clarity.

Result: You know exactly what's going on with your money.

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Know Your Numbers

2

Your expenses are the backbone of your profit. It's not about spending less, it's about spending more money on things that move the needle in your business, and cutting everything else.

In this milestone you'll identify:
  • Which expenses are draining profit
  • Which entire revenue streams aren’t worth the effort
  • The 4 BIG expenses that are draining your capital
  • How to free up cash quickly — without cutting everything

Result: Your money starts flowing toward growth, not waste.

Control Your Expenses

Most business owners try to fix everything at once. This system shows you the right thing to fix, in the right order, so you build stability first so that profit increases naturally.




3

Debt isn’t a moral failure, it’s usually a systems problem, and we can solve that

In this milestone you'll learn:
  • Why you're stuck in the debt cycle over and over
  • How to stop adding new debt, even if you rely on debt for operations today
  • How to fix the root cause
  • How to use the Debt Leapfrog to accelerate your timeline

Result: You pay off debt faster, and stay out of debt permanently 

Pay Off Debt Fast

4

Once the foundation is stable, profit grows naturally.

In this milestone you'll learn:
  • How you're accidentally blocking more cash from coming into your business, and how to fix it
  • How to identify your biggest growth opportunities
  • How to run fast, and cheap experiments that bring in more money now
  • How to scale without sacrificing your peace or paycheck

Result: Your business becomes predictable, profitable, and easier to run.


Increase Profit

The Path to Profit Framework

Most business owners try to fix everything at once, get overwhelmed, and slip back into avoidance. The Path to Profit fixes that by showing you the right thing to fix, in the right order, so you build stability first and profit increases naturally.

I've taken everything I've learned from working with over a thousand small businesses over the course of a decade, and found that in order to fix your money from top to bottom you just need to go through 4 steps, in the right order.

So we've made it simple for you.

Why This Framework Works

Before coaching, I spent 5 years as a small business researcher for QuickBooks. My job was to interview small business owners globally about their finances, and understand how they ran their books so that we could make QuickBooks better.

I saw the books of over 400 businesses in my time at QuickBooks and have now worked with over 300 small business owners in my coaching business.





Hi I'm Gina Knox your Money Coach

I've seen time and time again what works, and what doesn't work for small business owners with inconsistent income, and have utilized the thousands of hours I have under my belt to create a financial system that helps business owners:

➝ Increase their take home pay
➝ Quit their day jobs
➝ Increase their profit
➝ Pay off hundreds of thousands of dollars of business debt
➝ Build working capital for their business
➝ Hire team members at the right time

What You Get Access to For 12 Months

Can't attend the calls? Have a time sensitive issue? Our coaching team is available to you Monday - Friday inside our community for anything you need. Submit a question and get a response within 48 business hours. We can help you with:

  • A broken spreadsheet
  • A tax question
  • A pricing issue
  • A mindset request
  • A sticky client situation
  • An owners pay issue

Whatever your question, we can handle it.



Monday–Friday Support Inside Circle

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Our 4-step financial system designed specifically for small business owners:

  • 1st: Know Your Numbers — Set up your P&L, understand core metrics, calculated your estimated tax bill, calculate owner’s pay, and stop avoiding your numbers.
  • 2nd: Control Your Expenses — Cut low-ROI spending, identify profitable revenue streams, and redirect cash toward growth.
  • 3rd: Pay Off Debt Fast — Stop adding new debt, fix the root cause of debt, and implement the debt leapfrog method to accelerate your payoff timeline.
  • 4th: Increase Profit — Identify bottlenecks, run experiments, unblock sales, and learn the scaling philosophies that build long-term wealth.

Each module includes LESSONS, ACTIONS, MINDSET coaching, and RESULT milestones so you always know exactly what to do next.


The Path To Profit Course

Weekly group coaching calls are hosted every Tuesday from 1-2pm CST. These aren't your average Q&A call. On these calls you'll pre-submit your coaching request and get compassionate but firm coaching on anything coming up for you that week.

  • Coaching on a surprise money issue that popped up
  • Coaching you through applying the curriculum to your real business situation
  • Coaching on fear, avoidance, ADHD, overwhelm - or any emotion holding you back
  • Coaching on sales and income issues

Our certified coaches are trained in helping you quickly identify the problem at hand, and solve for it - whether it's a mindset issue or strategy issue.




Enjoy an extra 30 days access to the program on us when you pay in full! That's 13 months of access to:

  • The Path to Profit Curriculum
  • Mon-Fri bespoke coaching support
  • Weekly live coaching calls
  • Our extensive replay library
  • Our library of past live challenges
  • And more!





Bonus: 30 Extra Days When You Pay In Full



  • You'll get access to our suite of spreadsheets and tools that you'll be able to keep and use for life.

  • Our free P&L and bookkeeping spreadsheet suite
  • The Debt organizer
  • Tax planning calculator
  • Revenue stream evaluation tools
  • Expense audit tools

And any others we add throughout the year




All Templates, Spreadsheets & Tools


Once a quarter you'll submit your P&L to us and we'll take it from there. Inside each CFO Report you'll get

  • And overview of your profit, owners pay, and tax liability
  • Insights into why your numbers are the way they are 
  • A custom 90 day plan designed to increase your profit
  • Personalized mindset support

CFO reports put control back in your hands. Instead of being a victim to low sales, debt, or hard times, you'll know exactly what you need to do next to increase profit now.




Done-For-You CFO Reporting

Weekly Live Coaching Calls


$934.00

Starting Average Monthly Profit:

Lesa is a real estate agent and coach who joined SBMS during a time that she wasn't paying herself, and she was looking to stop doing real estate and become a full time coach. Over the course of her time in SBSM she was able to increase her profit by $30,348.00 a year!



Lesa Frye - Real Estate Agent

$3,463.00

Current Average Monthly Profit:

-$2,920.53

Starting Average Monthly Profit:

Going through the Know Your Numbers milestone, and learning that she was over-investing in an underperforming revenue stream - Sue was able to course correct and take herself from the red to the black! Sue increased her profit by $30,816.00 a year!


Sue Campbell - Mindset & Marketing Coach for Authors

$2,568.00

Current Average Monthly Profit:

-$867.00

Starting Average Monthly Profit:

Lindsay was in her first year as a brick and mortar gift shop owner and she was drowning. The learning curve was steep, and she didn't know what to do to start turning a profit. But going through our Path to Profit system Lindsay was able to get into the black for the first time!

Lindsay Duong - Brick & Mortar Gift Shop Owner

$485.00

Current Average Monthly Profit:

-$23,323.00

Starting Average Monthly Profit:

Dustin has increased his profit by $19,110.00 per month! Dustin owns an apparel printing company and like many in his niche he had way too many SKU's, incomplete data, and the business was running him dry every month. He was digging himself into a hole he couldn't get out of, and although we haven't gotten Dustin in the black yet - he's made significant improvements and his profit and is on the path to profit!


Dustin Fisher - Apparel Printing Company Owner

-$4,213.00

Current Average Monthly Profit:

$10,190.00

Starting Average Monthly Profit:

Although Lauren was already profitable on paper when she joined SBMS, she was still drowning in debt payments and stuck using her line of credit to fill the gaps. We helped her increase her profit by $59,412.00 a year, and break the debt cycle.

Lauren Hughes - Pediatric Speech Language Pathologist Clinic Owner

$15,141.00

Current Average Monthly Profit:

Meet the Business Owners Who Paid Off Debt, Paid Taxes, and Built Savings

Saved 3 Months Of Business Expenses And Paid Off Business Debt

HER RESULTS

CATHY, WRITING COACH

In 2020 and 2021 Cathy's business went through a huge boom, she scaled up fast, and grew her team with it. Then things shifted, her revenue went through a sharp decline but because of her bloated payroll she burned through her buffer and build up a ton of debt fast.

She was on the brink of closing shop when she joined Small Business Money School. We helped her tighten up her profit, build a business buffer, get her take home pay back on track, and create a debt plan to become debt free.





  • 6 month business buffer built
  • Sales back up
  • No longer paying herself minimum wage

CATHY'S STORY

Saved $22,446.00 and Quit Her 9-5

HER RESULTS

ASHLEY, SYSTEMS SPECIALIST

When Ashley joined Money School she was a side hustler with a 9-5 and thought she was years away from quitting her job. She didn't quite understand how taxes worked having a W2 job and a business, and she was chronically under-paying herself.


4 months into the program we'd helped her build a business reserve, double her take home pay so she matched her 9-5 salary, and she was able to put in her 2 weeks notice.




  • $24,000 a year owners pay raise
  • Quit her 9-5 a whole year ahead of schedule
  • Saved $22,446.00 in business reserves

ASHLEY'S STORY

Paid Off Her Line Of Credit, Increased Her Profit, And Saved Her Business

HER RESULTS

samone, dating coach

Samone went through what we all fear: her business hit a million in revenue, and then her revenue cut in half.

She went from regular 60-80k months, down to 30k months, but with the expenses of a larger busieness. Within a year she had burned through over $200,000 of savings, and built up sizable debt.

When she joined SBMS we quickly cleaned up her expenses, built her profit back up, and helped her pay off her lingering line of credit that was killing her cash flow.

  • $25,755.93 Saved
  • Paid herself a real owners pay for the first time ever
  • Avg. monthly profit increased by $3,075

SAMONE'S STORY

Paid Off Credit Card Debt, Built A Business Savings, And Increased His Take Home Pay

HER RESULTS

jonathan, mfr therapist

In December 2023 Jonathan joined SBMS with business debt that was growing and feeling overwhelming, no real money organization, and a criminally low take home pay.

In his first CFO Report we found Jonathans average monthly profit was -$1,051.00. No wonder he was struggling with debt!

We helped Jonathan turn it around and within 3 month his business was profitable again, his debt was being paid, and his savings were growing!



  • Has over 12k cash on hand
  • Paid off his credit card debt
  • Increased his profit over 4X

JONATHAN'S STORY

Saved 6 Months Of Business Expenses and Paid Herself For The First Time Ever!

HER RESULTS

ALORA, WEDDING PHOTOGRAPHER & COACH

As a wedding photographer Alora understands the feast-or-famine cycles. There's the busy season in Summer and dead season in Winter, so having a healthy business reserve is critical for making it through to the next year. When Alora joined Money School she felt like she was a creative who didn't understand spreadsheets and math.


6 months in and she build a $25k reserve in her business and started paying herself consistently from her business for the first time ever.





  • Saved $25,000
  • Increased her gross profit by $36,900 a year
  • Paid herself a real owners pay for the first time ever

ALORA'S STORY

Saved $68,933.59 After Doubling Her Owners Pay

HER RESULTS

MADDIE, BRAND PHOTOGRAPHER & COACH

In December 2023 Maddie told herself that 2024 was going to be the year she put on her "big girl pants" and finally got her money shit together. She had a $250k business but was paying herself poverty wages and was sick of feeling like an ostrich with her head in the sand.

After 90 days of being in SBMS she doubled her owners pay (making her husband VERY happy), and she saved her first $34,000.




  • Saved $68,933.59 in 6 months
  • Doubled her take home pay
  • Stopped the money fights in her marriage

MADDIE'S STORY

From Debt Spiral to $79k Loan Paid Off in 3 Months

HER RESULTS

CATHY, CAFE & SPECIALTY GROCERY OWNER

Cathy opened her business using a $40,000 line of credit with a 0% APR that she thought she'd be able to pay off in no time, then 9 months after opening her cafe COVID hit and Cathy had to close her doors, and quickly pivot her entire business model. 

She joined Small Business Money School because after 5 years she's never been able to shake the debt, and she knew if she didn't figure something out soon, her business wouldn't make it 1 more year.


  • Paid off $79k Square Loan 
  • Grew Annual Profit to over $60k in the green
  • Is paying herself from the business again

CATHY'S STORY

From No Owner’s Pay To Doubling It And Saving $30K In Her First Year

HER RESULTS

ISATOU, GRANT WRITER & STRATEGIST

After over a decade writing grants in-house for nonprofits, Isatou launched her own consultancy. But when she quit her job to go full-time, she quickly realized that experience in fundraising didn’t mean she knew how to run a business.

She joined Small Business Money School just a few weeks after going full-time and implemented everything fast. Within days she had her accounts set up, her tax savings automated, and her first buffer in place.

  • Doubled her Owner’s Pay within 8 weeks (and has maintained it for 5+ months)
  • Grew Monthly Profit from $2,254 → $15,587
  • Saved $30,000+ in Working Capital
  • Has a 4-month runway built up
  • Hit $78,000 in total savings
  • Gained full confidence in managing finances independently

ISATOU'S STORY

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90

What you'll accomplish in the first 90 Days

Using our 30 Day Debt Pay Off Challenge you'll get to the root cause of what created your chronic business debt, and you'll go through our process to pay it off fast!

If you don't have business debt, then this is when we'll work on increasing take home pay.

Organize your business books and start saving money.

30

You'll start by implementing our Cash Flow Waterfall saving method and start building your business savings. Our clients save on average $4,945.16 in the first 30 days.

Get on track for taxes

60

Now that you have your cash flow waterfall implemented and business savings are growing - we're going to help you catch up on back taxes, and save for this years taxes so you're not surprised come the tax deadline.

Pay off business debt/ take home pay increase.

Gave Herself a $60k Raise and paid off 8k of business debt, and 44k of personal credit card debt!

HER RESULTS

LILY, DATING COACH

When Lily joined Small Business Money School she thought the feast-or-famine cycle was normal and she'd never get out of it. Within 45 days of being in the program she funded the business savings she needed to take 3 months off so she could write her manuscript without financial pressure. 

When she came back from writing her book, we cleaned up her profit, and money systems which allowed her to give herself incremental raises throughout the year from 7k, to 10k, to 12k per month.





  • Increased her take home pay by $60,000 per year
  • Paid off 8k of business debt
  • Paid off 44k of personal credit card debt

LILY'S STORY

Saved $13,383.95, Increased Profit, And Successfully Pivoted Her Business

HER RESULTS

MOLLY, FRACTIONAL CMO

In 2024 Molly transitioned her business from a social media management agency to becoming a fractional CMO. As anyone who's gone through a major pivot knows - sales tend to dip. She let go of her roster of clients and started fresh with a new offer.

During the transition she knew she'd have to have a Safety Fund, and keep an eye on her numbers to make sure payroll would still go through.

Year to date she's increased profit AND her Safety Fund is fully funded to help her move through the pivot with ease.





  • $7,000+ profit increase
  • $11,000 sitting in her business savings for the first time
  • Successful business pivot 

MOLLY'S STORY

More Business Owners Who Broke The Feast-or-Famine Cycle

Paid Off $42k Of Debt And Bought Her Family Their First Home!

HER RESULTS

GENIEVa, PUBLICIST

When Genieva joined SBMS she had just become the surprise breadwinner in her family when her husband lost his job, she was just starting her business, she'd wracked up $42k of credit card debt, AND she was living on a boat with a toddler. It was a lot.

Within 12 months using our cash flow management strategies, she had build a business reserve, paid off all her debt, increased her take home pay, AND was able to buy her family their first home so they could get off the boat.



  • $42k of debt paid off
  • Business reserves healthy and take home pay increased
  • Bought her first home

GENIEVA'S STORY

Built A $12,000 Savings in 2 Months

HER RESULTS

ASHLEY, DOGGY DAY CARE OWNER

When Ashley joined SBMS in June she said "I need help! I have been in business for 12 years and have nothing to show for it.". She felt like building her business savings and paying off debt was going to take forever, but then she implemented our cash flow system.





  • Saved $12k in 2 months
  • Has a plan for increasing her take home pay and paying down personal debt
  • Is laying the ground work to expand locations!

ASHLEY'S STORY

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Went From Avoiding Her Numbers to $13.5K Profit and Full Financial Control

HER RESULTS

Lourdes Still - Flower Farm & Studio Owner

For years she carried what so many business owners quietly hold — avoidance, shame, and the fear of even opening QuickBooks. Her business was seasonal, she worked a full-time job, and money felt like a swirling mess she could never get ahead of. With her SBMS membership about to expire, she took one day off work, opened QuickBooks, turned on the entire SBMS curriculum, and started cleaning up her books line by line. Twelve hours later, 2025 was fully caught up. The next day, she tackled 2024. With every transaction she categorized, the fear dissolved and control returned — slowly at first, then all at once.

When she finally ran her P&L report, she couldn’t believe what she saw: her business was at $13.5K profit this year. After years of negative months, avoidance, and overwhelm, everything clicked — the system worked, the coaching had prepared her, and she finally understood how to move forward. She re-enrolled immediately, ready for deeper work, bigger results, and a full year of CFO reporting. With a clear process for syncing QuickBooks with her SBMS spreadsheets, she now feels capable, confident, and fully in charge of her money.



  • $13.5K profit after years of avoidance and negative months
  • Cleaned up 2 full years of books and eliminated money avoidance
  • Reclaimed a sense of control, confidence, and emotional safety with her finances
  • Re-enrolled to continue the work and build on her momentum

HER STORY

Hit Her Highest Revenue Month, Even Before Solving All Her Problems

HER RESULTS

Iris Barzen - Psychologist for Neurodivergent High-Achievers (ADHD | Autism | AuDHD)

When she joined SBMS, she described herself as a “recovering ostrich”, someone who avoided her numbers, felt behind, and doubted whether setting real financial goals was even realistic for her business. So in her CFO Report when we gave her a Q4 goal of making €12,000 in revenue, it felt almost ridiculous. But she kept showing up to coaching, followed her P&L, and focused on the next small step instead of perfection.
Last month, everything clicked. She brought in over 7K in revenue and landed within €129 of her quarterly target, a goal she once thought was impossible. She hasn’t solved every problem yet, and her business isn’t “perfect,” but she’s making more money, feeling in control, and building momentum she never imagined possible.




  • 7K+ revenue month
  • Only €129 short of her Q4 revenue goal
  • Increased confidence using her P&L as a decision-making tool
  • Shifted from avoidance to empowered financial action

HER STORY

Rebuilt Her Systems, Regained Confidence, and Brought in $2,120/Month in New Retainers

HER RESULTS

Casey Curry - Artist Support Agency

She’d been shifting major pieces of her business: rebuilding systems, restructuring her offers, and bringing on new team members. The transition put her in the red for several months, and selling felt impossible until everything was “perfect.” As the expenses piled up and her monthly deficit grew, hesitation turned into avoidance, and avoidance turned into fear.

Then she decided to move anyway. She sent a few simple emails to leads, and in less than a week she sold two brand-new 6-month retainers. Those contracts alone will bring in an additional $2,120/month, enough to pull her back into profit while she continues building the team and systems she wants. There’s still work ahead, but now she knows something powerful: she can generate revenue on demand — and she can sell this program with ease anytime she chooses.



  • $2,120/month in new recurring revenue
  • Closed two 6-month retainers in under a week
  • Moved from deficit back toward profitability
  • Regained confidence in selling and cash generation

HER STORY

Paid Off Debt, Built Working Capital, Funded Retirement, and Gave Herself a Bonus

HER RESULTS

Martha Lewis - Sleep Detective

When Martha joined SBMS five months ago, she was looking for a way to stabilize her business finances and finally feel in control. She wanted clarity around her cash, a plan for debt, and the confidence to make decisions that would support her long-term goals, not just keep her business afloat. With the support of the curriculum, CFO Reporting, and weekly coaching, she began implementing the system piece by piece.

The results came quickly. She built substantial working capital, paid down debt, started funding her retirement consistently, and even gave herself a well-earned bonus. What once felt overwhelming now feels doable, grounded, and aligned — proof that small, consistent steps inside SBMS create massive financial momentum.




  • Moved $32,394 into working capital
  • Paid off $5,761 in business debt
  • Contributed $5,000 to her SEP-IRA
  • Gave herself a $2,000 bonus
  • Achieved all of this in just five months

HER STORY

Rebuilt Her Financial Foundations, Broke Old Patterns, and Transformed Her Mindset in Just 

HER RESULTS

Olivia Owen - Transformational Coach

When she joined SBMS, she was emerging from a difficult chapter: a six-figure business that burned her out, a sabbatical, and a return to entrepreneurship that felt shaky and emotionally loaded. She relied on her business for every personal need, struggled with scarcity, dipped into Stripe instant payouts, and carried lingering back taxes from the previous year. Revenue was unstable, her confidence was fragile, and she felt stuck between who she used to be and who she wanted to become.

Over four months, everything began to shift. Guided by CFO Reporting and coaching, she lowered her owner’s pay to stabilize profit, stopped relying on instant payouts, started earning money outside her business for the first time in eight years, created office hours, showed up to most coaching calls (even from public places when she had scheduling conflicts), and began paying off her back taxes. She established bookkeeping rituals she actually enjoys, built new habits, and—most importantly—experienced a profound mindset shift. For the first time in years, she feels grounded, supported, and fully present in her business again.


  • Reduced owner’s pay responsibly to protect profit
  • Broke co-dependency patterns with her business
  • Stopped instant Stripe payouts and eliminated extra fees
  • Made money outside her business for the first time in 8 years
  • Created consistent office hours for coaching and sales
  • Attended most coaching calls despite scheduling conflicts
  • Received coaching 4+ times and implemented every piece of advice
  • Nearly paid off all back taxes from last year
  • Completes both business + personal P&Ls monthly (new ritual she loves)
  • Experienced a major mindset transformation and emotional reset

HER STORY

Broke a Longstanding Revenue Pattern and Hit Break-Even + Owner’s Pay in Her Slowest Quarter

HER RESULTS

Selina Chan - planner sticker and stationery business

Q2 had always been the slowest, most stressful quarter in her business — a predictable pattern she dreaded every year. Revenue dipped, confidence wobbled, and she often spent spring feeling behind and in survival mode. This year, she arrived in SBMS believing she could only focus on either her business or her health, but not both. Through coaching, she learned that she didn’t have to choose — she could build stability and support her wellbeing at the same time.

For the first time ever, Q2 became a strong, profitable quarter. Last month, she not only broke even earlier than usual, but exceeded it — even paying herself consistent owner’s pay, something that typically doesn’t happen until late Q3 or Q4. The shift wasn’t luck; it was the result of implementing the system, trusting the process, and embracing the belief that she truly can do both.

  • Turned her slowest quarter into one of her strongest
  • Hit break-even and earned excess profit
  • Paid herself owner’s pay much earlier than usua
  • Created a new belief: she can support her health and her business simultaneously

HER STORY

Recovered From a Bookkeeping Breakdown and Finally Gained Control of Her Finances After 25 Years in Business

HER RESULTS

Julie Robins - Horse Trainer

After 25 years in business, she found herself dealing with the fallout of a bad bookkeeper, financial confusion, and systems that never quite worked. Buying SBMS felt like the answer — until she realized that what she truly needed was the confidence to sit down, put in the time, and rebuild clarity from the ground up. This week, she did exactly that. She opened the spreadsheets, started her P&L, aligned her categories with her CPA, and began untangling years of disorganization with a level of commitment she hadn’t felt in decades.

As she worked through the curriculum and the debt lessons, she faced numbers she had avoided for years — and instead of spiraling, she felt empowered. She completed her debt spreadsheet, began organizing her books, and is now close to requesting her first CFO review. After years of feeling out of control with money, she finally feels momentum, clarity, and pride in the work she’s doing to take her business back.




  • Set up her P&L and income streams using the SBMS spreadsheets
  • Aligned her bookkeeping categories with her CPA for the first time
  • Recovered from the damage of a bad bookkeeper
  • Completed the debt spreadsheet after facing her credit card numbers head-on
  • Organized her books across YNAB + the SBMS system
  • Is close to requesting her first CFO review
  • Experienced major emotional relief, clarity, and renewed commitment

HER STORY

Paid Off an Entire Business Credit Card Balance in One Click After Years of Waiting

HER RESULTS

Genevieve Dominguez - MFR Therapist

She had carried this balance for a long time — longer than she wanted to admit. The weight of it sat in the back of her mind month after month, always feeling just out of reach. Joining SBMS gave her the structure, clarity, and confidence to finally face her numbers and build a system that made paying off debt feel possible instead of overwhelming.

And then the moment came: with one click, she paid off one of her two business credit cards in full — $4,906.45 gone in an instant. A goal she had waited years to achieve became reality because she finally had the tools and support to move from “someday” to done.


  • Paid off $4,906.45 on one business credit card
  • Eliminated a long-standing debt she’d carried for years
  • Felt immediate relief, pride, and momentum

HER STORY

$700

5 monthly payments of $700

You'll Receive:

  • 12 months access to weekly live coaching calls and Mon-Fri support
  • 12 months access to curriculum portal
  • Full business finance spreadsheet suite
  • Live challenges
  • Monthly workshops
  • And more!

$3,500

one time payment of $3,500

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the investment

Paying off business debt is possible without scaling your sales

When it comes to business debt, we all think making more sales will automatically fix it, but the reality is it takes a lot more than sales to get out of the vicious debt cycles. These business owners all implemented the debt pay off strategies we teach in Small Business Money School and saw results FAST because it didn't require they made a ton more money first.

GERALDINE, IT & Media Company Owner Paid off $15,746.76 of debt

When Geraldine joined Small Business Money School in November of 2024 she said she had no idea where her money was, how it was organized, or how to make clear financial decisions today that would positively impact her future.

Now she's paid off over 15k of business debt AND saved $13,300.24 in her business.

$15,746.76

PATRICK, Automotive Detailing Business Owner Paid off $47k of business debt

When Patrick joined Small Business Money School he said his biggest money roadblock was his business debt that he accumulated because of being a seasonal business, and struggling to cover payroll during the slow winter months. 6 months into the program Patrick has paid off $47,000 of his business debt and is working on building a business savings buffer so that next winter he won't go back into debt during the slower months.

$47,000

VANESSA, Dry Land Boat Dealer
Paid off $85,820.84 of business debt

When Vanessa joined Small Business Money School she said her biggest money roadblock was getting out of the cash flow crisis without taking on more debt. Her business made good money, but the accounts were always empty and she had no idea why.

Vanessa got organized, implemented our Cash Flow Waterfall system and starting organizing her finances in our free bookkeeping suite and now has paid off over 85k of business debt!

$85,820.84

SAVANNAH, Funeral Home Director Paid off $23,000 of business debt

When Savannah joined Small Business Money School she said she was unsure of what/where her money needed to go, what debt to pay off first first, and generally she just had zero organizational system for her money. Needless to say - it was messy. Now Savannah has implemented the cash flow waterfall and paid off 23k of business debt in the process!

$23,000

SIMON, Attorney paid off $33,105.78 of business debt

When Simon joined Small Business Money School he was making good money as an attorney, and generally thought he had low overhead as someone who worked from home, but he was leaking money through his expenses and didn't understand where all his money was going!

During his 1:1 bonus call, Simon identified a lot of ways his business was leaking money, and the ways to plug those holes, and just 2 months into the program he's made significant progress on his business debt!

$33,105.78

ANSJE, Esthetician & Permanent Makeup Artist Paid off $42,700 of business debt

When Ansje joined Small Business Money School she just felt super overwhelmed as a business owner. She's the classic creative business owner who identifies as "not a numbers person".

Now 5 months into the program Ansje has paid off over 42k of business debt! Not too shabby for someone who's not a numbers person!

$42,700

CAROLYN, Medspa owner
paid off $146,133.71 of business debt




Carolyn was paying the bare minimum on her credit cards, didn't have any savings for those slower months, and then was constantly forced back into debt to cover the bills. Things were MESSY.

But after implementing the Cash Flow Waterfall system and getting coached on her profitability, Carolyn has been able to significantly chip away at her debt and pay off over 146k of it!

$146,133.71

GENEVIEVE, Osteopath Clinic Owner Paid off $30,450.00 of business debt

Genevieve's business was profitable and going well, until COVID forced her to shut down and kicked off a debt spiral that's lasted till this day. She was sick of sticking her head in the sand and was ready to get serious about implementing a strategy to get her out of debt once and for all.

Within 5 months Genevieve has paid off over 30k of debt, and is getting closer and closer to debt freedom for good!


$30,450.00

RACHEL, Pelvic Pain Coach
paid off $38,000 of business debt

When Rachel joined Small Business Money School she was terrified of having to go deeper into debt, she wasn't properly managing the money coming in or going out, and everything felt messy and out of control. Using our DFY CFO reports, Rachel was able to get a custom strategy to pay off debt, while cleaning up her business books and was able to pay off 38k of her business debt!

$38,000

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FAQs

Yes! We have a growing international business community with clients in France, Argentina, UK, Canada, Australia, Mexico, and more! Small Business Money School mainly focuses on cash flow management, not country specific laws.

No. In SBMS we teach the Cash Flow Waterfall, a proprietary cash flow method that I designed with small businesses in mind. Profit First was developed specifically for startups who are trying to get acquired or go public and I've found it doesn't work for most small businesses because it's unnecessarily complex. We have had many clients who came in using Profit First who found the Cash Flow Waterfall to be far more efficient and simple.


Small Business Money School is a group program that works on a rolling enrollment basis. You'll begin the day you join and get onboarded to all our materials, and then you'll have 365 days access from the day you join. If you join today you could be on a live coaching call with us by next Tuesday.


Yes! There are multiple ways to get 1:1 support in SBMS. The most private way is through our CFO Reporting. With these features you'll submit to us your financial data, plus any questions you have, and we'll go through it and record a private and personalized video with our feedback for you. These videos will then be sent to your email inbox for private viewing.



Small Business Money School is NOT just a course. Although we have curriculum materials, we don't just give you information and leave you! We have weekly group calls, Mon-Fri Slack support where you can ask questions whenever you need, and our private review processes. You'll get to know the community, and our coaching team well throughout your 12 months with us!




Group size will fluctuate throughout the year, so we pride ourselves on building systems that allow you to have a personalized experience. We have a client profile on every client with all their data, questions they've asked, and reviews submitted so that we on the coaching team can get caught up with you and your business before coaching you every time. We're on a first name basis with the clients who participate actively.

SARA, MFR THERAPIST, SAVED $75,158.20 WITH INCONSISTENT INCOME

When Sara joined 6 Figure Saver she had come off of her highest income year to date, with no savings to show for it. She felt ashamed for earning so much and saving so little. By working on rebalancing her business spending, setting up her owners pay, and learning how to manage her business cash flow - she's saved more than she earned in the entire year last year. 

$75,158.20

AMBER, ESTHETICIAN, SAVED $11,916.41 WITH INCONSISTENT INCOME

Amber joined 6FS with lower profit than previous years and feeling like she couldn't save without earning more. By implementing the strategies we teach in the "save your first $1,000" training she's been able to save while working on her increasing her income.

$11,916.41

SAVANNAH, OBM, SAVED $55,348 WITH INCONSISTENT INCOME

Savannah joined 6FS at the absolute perfect time for her business. She's been scaling her retainer offer and saving as she goes, by implementing our savings systems she's been able to build up her business reserves, and now is considering expanding her business. Having her reserves padded will be critical when it comes time to hire.

$55,348

Building business Savings is Possible With Inconsistent Income

When you have a fixed income with a 9-5 the only real way to save is by cutting expenses. But as entrepreneurs we get the luxury of inconsistent income. We're not locked into a bi-weekly paycheck, which means we can save big lump sums. Check out some of our clients stories:

LISA, BRAND PHOTOGRAPHER, SAVED $16,126.05 WITH INCONSISTENT INCOME


Lisa joined Small Business Money School  in the midst of a business transition, slowly moving away from wedding photography and more and more into brand photography. She was having a rough go with her leads dried up, her savings basically gone, and $5k in debt. Just 2 months in here's what she said: "I am not a 6-figure earner, so I thought it would be impossible to save more than a couple thousand dollars. But I am on track to hit 10k within 60 days, which just blows my mind!". Now she's saved nearly double that!


$16,126.05

KRIS, MFR THERAPIST, SAVED $59,151.44 WITH INCONSISTENT INCOME

Kris joined Small Business Money School with her MFR Therapy business while also working a part time job on the side. She wants to work towards quitting her side job and needs to save for her Quit Your Job Fund. Through implementing the banking systems in 6FS she's been able to save over 59k and has a timeline set for quitting her job and going full time into her business.

$59,151.44

KIERRA, CMO, SAVED $17,500.00 WITH INCONSISTENT INCOME

Kierra joined Small Business Money School after buying a home and locking in higher expenses. She was worried about how she'd be able to pay off debt, and continue paying the bills while also going through a business transition and having inconsistent income. By learning our saving with debt strategy Kierra has been able to save over 17k while also sending lump sums to debt and working towards her debt free plan.

$17,500

SAM, METALSMITH AND JEWELER, SAVED $9,500 WITH INCONSISTENT INCOME

While listening to your masterclass I realized how everything you were saying was true. I have some cc debt and feel like I just can't get ahead of it. I use my income to pay off the cc before I add to savings, savings is always the last resort, like a treat if I make "enough". After your masterclass I see that I'm going about it all wrong and would love to harness the tools to have a more successful savings strategy.

$9,500

ANDREA, MONEY COACH, SAVED $79,490.20 WITH INCONSISTENT INCOME

Andrea is a money coach and an expert in helping people with 9-5s save and invest, but when it came to her business she wasn't confident in managing an inconsistent cash flow. By implementing our banking system she built up her business reserves and was able to quit her 9-5 to become a full time money coach.

$79,490.20

ISABELLA, PODCAST PRODUCER, SAVED $22,165.85 WITH INCONSISTENT INCOME

Isabella joined Small Business Money School because "cash flow feels very start and stop. I hit "nothing is working" valleys.". It's so common as entrepreneurs to go through the feast or famine when it comes to our sales. Which is why building your business savings is so crucial. It helps tide you over while you continue working on business development and marketing.

$22,165.85

Evie, salary negotiation coach, saved $10,000 with inconsistent income


As a side hustler Evie was a self proclaimed Squirrel. She had TONS of bank accounts where she'd "hide" money from herself in order to try and not see her money and save. After joining Small Business Money School she cleaned up her banking systems and was able to save 10k as a side hustler.

$10,000.00

MARCHELLE, ESTHETICIAN, SAVED $48,582.74 WITH INCONSISTENT INCOME

Marchelle joined Small Business Money School during a cash flow squeeze. Her bills were high because of payroll and rent. Even while going through this cash flow squeeze Marchelle has saved over 48k while getting weekly money mindset support and making space to work on her business not just in her business.

$48,582.74

TIFFANY, MARKETING CONSULTANT, SAVED $11,042.13 WITH INCONSISTENT INCOME

Tiffany joined Small Business Money School because she wanted to be more responsible with her finances and prove to herself that she is capable of saving. After just 4 months she's saved over 5 figures, has funded her tax savings account, and created her banking system that makes saving easy.

$11,042.13

SIMI, CAREER COACH, SAVED $37,333.01 WITH INCONSISTENT INCOME

Simi is a UK based career coach who still has a 9-5 she loves in addition to her business. She joined Small Business Money School with the desire to start treating her business more seriously, build her business savings, and stop impulse purchasing coaching programs. By building up her business reserves Simi has been able to invest in a 5 figure rebrand project to help grow her business without having to take on debt.

$37,333.01

YVONNE, LOW TOX EXPERT, SAVED $12,500 WITH INCONSISTENT INCOME

Yvonne had a lot of fear surrounding the idea that she'd need to go back to her 9-5 that was adding a ton of pressure to her business. After getting coached on her money mindset, Yvonne was able to release the pressure on her business, have her largest launch to date, save 5 figures, and give herself an owners pay raise.

$12,500

GENIEVA, PUBLICIST, SAVED $75,500 WITH INCONSISTENT INCOME

As the primary breadwinner, and a newly full time entrepreneur Geneiva had a lot of money anxiety about making sure she could keep the bills paid while also working on investing in her business so it could continue to grow.

$75,500

KATIE, MONEY COACH, SAVED $37,873.00 WITH INCONSISTENT INCOME

Katie is building her money coaching business while also working full time and getting her PhD. By implementing our business saving system she was able to quickly save multiple 5 figures which will help her cover the cost of her education, while continuing to grow her business.

$37,873.00

JOYIA, FINE JEWELER, SAVED $15,245.00

In Joyia's intake form she said "I'm currently not saving at all because I don't think I have enough money to do so. I need to shift my money mindset.". By implementing the savings strategies we teach in Small Business Money School we had the honor of proving her wrong. 

$15,245.00

Jennifer, weight loss coach, saved $25,473.71 with inconsistent income

Jennifer joined 6FS ready to transform her relationship with money and learn how to save on inconsistent income without going full on restriction mode. As a weight loss coach who teaches people how to lose weight without a diet, she wanted to learn how to save without a budget.

$25,473.71

Mary, a perfumer, saved $9,626.46 with inconsistent income

Mary joined Small Business Money School as a perfumer, and part time bar tender. She wanted to learn how to treat her business like a business and save so that she could quit her part time job and go full time in the business. In her onboarding form she said "On such a small income, I'm struggling to find the confidence/power to become a "high earner" while also planning little impulsive buys." - by the end of her 12 months she'd submitted over 9k of savings wins and told us she saved over 11k total!

$9,626.46

Morgan, CTO, saved $7,661.54 with inconsistent income

Morgan joined 6FS thinking she couldn't save as an entrepreneur with variable income because she lives in one of the highest cost of living states. She thought in order to save without moving she'd just have to earn more. By implementing the savings systems we teach in 6FS she saved $6,220.49 within the first 30 days of joining!

$7,661.54

Elizabeth, podcast producer, saved $47,854.63 with inconsistent income

When Elizabeth joined 6FS she was maxed out with clients, but not nearly as profitable as she wanted to be and not saving. After getting coached on her pricing and implementing our savings system Elizabeth has been able to save nearly 50k while saying no to clients who aren't aligned with her future.

$47,854.63

Marisha, tech founder, saved $54,499.95 with inconsistent income


Antigone, life coach, saved $3,400 with inconsistent income

Antigone joined 6FS ready to level up her money, her mindset, and get herself out of debt. Within just 30 days she'd saved 2.2k just by getting her money organized and asking a few clarifying questions. Now she has 11 months left in the program to hit all her money goals.


$3,400

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Liberty, organizational consultant, saved $18,904 with inconsistent income

Liberty joined 6FS during a transition in their business into a brick and mortal model. They used everything they learned in 6FS to save up the funds from their consulting business to fund opening the center! All while navigating being a new parent.

Caitlin, money coach, saved $43,458 with inconsistent income

$18,904

Caitlin joined 6FS as a money coach who knew how to handle her money, but wanted to work on her money mindset around her ability to earn more as an entrepreneur than as an employee. 

$43,458

$54,499.95

Terry, balloon decor business owner, saved $11,985.67 with inconsistent income


Terry joined 6 Figure Saver as a Profit First Girlie! She was spending too much time managing Profit First, vs just building more profit! So after a Cash Flow Review, and a Make More Money Review Terry was able to consolidate her accounts, go out and earn more, and saved 11k in the process.


Olivia, social media manager, saved $50,126.00 with inconsistent income

Marisha owns a 7 figure SaaS company with high overhead and payroll costs. She has big aspirations of scaling her revenue, which comes with more needs for cash on hand in the business. In just 3 months Marisha is half way to saving 100k!

$50,126.00

$11,985.67

PATTI, MFR THERAPIST, SAVED $59,800  WITH INCONSISTENT INCOME

Patti joined 6FS and hit the ground running. After binging the curriculum on day 1, she was able to save her first $3,950 after being in 6FS for just 24 hours! She's consistently implemented our saving systems and in just 2 months has already saved 5 figures!

$59,800

After a hard business transition where Catherine cut her team, and went from a million dollar year, to a 350k year, she joined 6FS to get her money straight. Just by watching the curriculum she had her first 5 figure savings month, and has gone on to continue growing her savings while paying off debt.


Catherine, writing coach, saved $83,753.43 with inconsistent income


$83,753.43

Olivia joined 6FS with a growing social media management agency, growing team expenses, and after making the big transition from living in Canada, to living in the US after getting married. With our concepts and tools she was able to save over 50k and earn more money with out Make More Money Reviews.


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