Debt free, taxes paid, savings funded even with inconsistent income
Enroll now
a 12 month group coaching program for business owners who want an organized and more profitable business.
enroll now
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
Money School is probably for you if...
Feel Safe With Money Even If Your Income Isn’t Predictable.
enroll now
enroll now
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?
We are a proven 12 month program that's hosted online through weekly zoom calls, a slack community, and an online course. You'll implement our S.I.M.P.L.E System while having 12 months of access to our team to get support, guidance, and coaching every step of the way.
S
Implement our simple 3 account banking system and learn how to save on inconsistent income so you build your business security. Then use our Profit & Loss spreadsheet to stay get organized with your finances so we know what we're playing with.
enroll now
Saving Systems & Spreadsheets
I
We teach you how to set annual income goal for sales and your take home pay, then learn how to identify and eliminate your money blocking thoughts.
Income
L
Learn how to pay off debt the easy way - with a stacked bank account, because it's easier to pay off debt when you're sitting on a ton of savings.
Loans & debt
E
Expenses are 50% of the profit equation. Learn how to identify the business expenses that you should cut, and the ones you should double down on.
expenses
M
Learn the Unbothered Energy mindset tool for feeling better about your debt, you spending, your bank balance, your sales, and more.
Money Mindset
P
Use our Cash Flow Planner to project your sales in the next 30 days, quarter, or year. Learn projections if you're launch based or evergreen, service based, product based, or brick and mortar.
Projections
The S.I.M.P.L.E Money System
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
The BEST feature in Small Business Money School is access to our CFO Reporting. Once a quarter you'll submit your businesses Profit & Loss and we will go through it with a fine tooth comb.
CFO REPORTING
- What money to leave in your checking, and what to move to savings
- How to get on track for tax savings
- What your owners pay should be, and what you can afford
- Go over 6 months of income and expenses with you
- Create a cash flow plan based on your unique business
enroll now
I love hosting live challenges throughout the year depending on what's going on. We've done tax challenges in January, Summer Savings Challenges in June, and Debt challenges in December.
MULTIPLE LIVE CHALLENGES
- Our next live challenge is in Q4 2025!
Access to our course material that takes you step-by-step through how to manage your businesses finances easily. This is THE industry standard financial management course for business finances.
- Video trainings breakdown everything you need to succeed financially
- Beautifully designed spreadsheets (just plug and play - no spreadsheet or math skills required)
- Deep dives into your money mindset
The Financial Course
We use Circle, an online platform, to host our financial community. You can ask a question Mon-Fri and get a response from the Money School coaching team within 24 business hours.
Feel like a hot mess with your finances? Have everything co-mingled with personal? Never set up business accounts before? The Hot Money Mess Clean Up Day is the perfect day for you to get everything sorted out with a clean slate.
HOT MONEY MESS CLEAN UP DAY
- Recordings of our last live day available year round
There is no other business spreadsheet suite like ours that is specifically designed to help you build your Safety Fund, and pay off business debt fast.
SAFETY SPREADSHEET SUITE
- Do your monthly bookkeeping fast with our spreadsheets
- Review your full year in 1 dashboard
- Project forward your next quarter so you stay safe financially
Feeling stuck in your business sales wise? We recognize that no amount of financial management can help if you're just not making sales. With our Make More Money Reviews we'll help you identify what you need to do in your business to make more sales in the next 7-14 days.
MAKE MORE MONEY REVIEWS
- A private personalized loom video
- Delivered to your inbox for maximum privacy
- Actionable next steps to earn more money in the next 7-14 days
Every 1st Friday of the month we host a community co-working call where you will come and get shit done. These calls are fantastic for the person who needs accountability in getting shit done.
CLEAN UP YOUR BOOKS MONTHLY CALL
- Do your bookkeeping for the month
- Go through the modules
- Set up your spreadsheets
- Make your spending plans
- Get coached on money mindset
- Get your financial strategy questions answered
- Or just ask a clarifying question about the curriculum
- Get coached through paying for taxes or paying off debt
- Ask a clarifying question about the curriculum
- Share a win with the community
- Introduce yourself and meet other School Members
- Get all the links for the program in 1 place
Every Tuesday at 1pm CST we host a 60 minute group zoom call where you can come and get your question or coach request answered live with a SBMS coach. Ask a question, or listen in on what other people are asking.
FINANCIAL COACHING CALLS
THE FINANCIAL COMMUNITY
enroll now
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.
$700
5 monthly payments of $700
You'll Receive:
- 12 months access to weekly live coaching calls and slack 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
enroll now
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
Ready to Dive In?
enroll now
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, and our Make More Money Review features. 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
Ready to Dive In?
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.
enroll now
Client Wins
