- 01How to Decide Whether You Can Afford to Hire SomeoneYou need the help. You are turning down work and working every weekend. But every time you consider hiring, the same fear stops you: what if I cannot make payroll? So you stay overworked, guessing at a decision your numbers could actually answer.
- 02The Financial Case for Any Major Business Investment — How to Think It ThroughMost owners decide on a big purchase by asking whether they have the cash for it. That is the wrong question. Having the cash tells you whether you can buy something. It tells you nothing about whether you should.
- 03When to Take a Business Loan — and When to WaitDebt scares most small business owners, so they avoid it on principle. The owners who refuse all debt and the owners who take all they can get make the same mistake: they treat borrowing as a moral question instead of a math one. A loan is neither good nor bad. It is a tool with a price.
- 04How to Set a Financial Goal That's Based on Your Numbers, Not a FeelingMost revenue goals are picked because they sound good: a round number, a percentage bump, a figure that feels ambitious. The better goal runs the other direction. Start from what you need the business to produce, and work backward to the number.
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