The scariest part of procrastination? It’s not that you tell yourself you’ll NEVER do it. It’s that you keep telling yourself you’ll do it TOMORROW. And then tomorrow comes and goes.. You wait for another tomorrow.. And another.. Why This is a Trap: -You think you’re making a

Budgeting isn’t about restriction—it’s about control. Most people feel lost when tracking their money. Why? No clear system. They guess their expenses. They track "when they remember." They overspend without realizing it. Then, at the end of the month, they wonder where their

Tuesday at your brewery. Mash in before sunrise, swap a CO2 tank that died mid-service, rewire a sticky pump at lunch, can a release, close the taproom because the closer called out. Square dings all day. The bank app still makes your stomach drop. I keep seeing these repeating

Most people don’t think about an emergency fund until they desperately need one. Then it’s too late. Financial storms don’t come with warnings. A busted water pipe, a sudden job loss, or a medical bill can throw everything off course if you aren’t prepared. But, let’s break it

The good news? It’s YOUR cash flow. The bad news? If you don’t control it, it WILL control you. You have two choices: 1️⃣ Tackle "20 little problems"—cutting subscriptions, skipping lattes, micromanaging every dollar. 2️⃣ Fix "2 big problems"—optimizing income and eliminating the

Tax Planning for business owners (the potential difference between keeping wealth & losing it) For business-owning families, taxes aren’t just an expense.. it could be one of your biggest wealth levers. You’re either strategic about taxes… or you’re losing money you didn’t

Sometimes, financial problems don’t come from a lack of income. They come from poor cash flow planning, ignoring flexibility, and failing to prepare for the unexpected. Rule #1: Keep short-term money accessible Biggest financial mistake? Locking up money you’ll need soon.

Friday night, line out the door. Staff sprinting. Kegs disappearing. You lock up, count the drawer, check the bank app in the dark kitchen. It should feel rich. It doesn’t. Payroll hits Monday. Distributor terms drag. July’s electric bill lands like a punch. You take what’s

I keep running into people who think estate planning is ONLY for the ultra-wealthy. Reality? If you care about your family, you need a plan. At Second Comma, we take clients from uncertainty to CLARITY. An often overlooked piece? L – Legacy (Estate Planning). Wealth isn’t

Knowing of your cash flow ≠ controlling your cash flow. You can track every dollar… and still feel broke. You can know exactly what’s coming in… and still be drowning in expenses. Why? Because knowledge alone doesn’t fix cash flow chaos. The Truth About Cash Flow:

The silent killer of business growth? Saying YES Too Much. Business owners.. your biggest productivity killer isn’t laziness. It’s saying YES to everything / everyone. If you feel stretched thin, overwhelmed, constantly busy (but not making real progress) this is for you. The

The brutal truth about financial priorities? You can’t fund everything. But if you don’t prioritize, life will decide for you. Here's an example: 💰 Pick one to fully fund: -College -Wedding -Retirement Now, pick another: -College -Wedding Hmm… wait a second. See the

A 3-minute task now can save your family years of court, chaos, and cost. A while back, I met a couple. He’d grown a $4M construction firm from scratch. She ran the home, the books, and wrangled three kids under 10. He died suddenly. They had no will. It took her six months

Dinner. 5:15 PM. I was home. Five plates on the table, two kids talking over each other, one deep laugh filled the room because someone told a joke. That’s when I knew: this is why we built Second Comma. The real test of a business? If you're asking me, it's whether you're

Start with the mission. Then set goals to carry it out. If your mission is unclear, your goals won’t mean much. You’ll stay busy, but wonder if it matters. Take five minutes. Ask: What’s my mission— In finances? In family? In work? For life overall? No fluff, no perfection.

Your budget probably isn’t broken. Your cash flow is hidden. Picture this: money hits your account on Friday. By Tuesday, half is gone. You’re not sure where. Then the insurance bill arrives and you’re refreshing the balance before you pay. It might not be “bad habits.” It’s

Stop budgeting blind. Three numbers tell you what’s real. Inventory comes first: • Pay: After-tax income from your last two paychecks • Spending: A month of bank and card transactions • Net worth: Assets minus debts, all in one place This could be a Google Sheet. A folder

Think you don’t need an emergency fund? Uh.. sure.. until the car won’t start. Or the A/C dies in August. Or payroll is late WHILE rent is still due. Here’s the thing: even great budgeters are still guessing. Yep, budgeting = guessing. What separates those who stay stuck from

Business owners chase business growth. But does that get the desired result? Sales go up. Hiring ramps. But without structure, succession, and financial foresight, the whole thing rests on YOU. And if it only works with you, it’s not a business—it’s a job. You can’t exit what

The most dangerous financial plan? A flawless spreadsheet no one believes in. I met a couple who had their budget dialed in. Every row labeled. Every column tracking. Every debt, each expense. Down to the penny. They still felt stuck. Every month ended with confusion and