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In this episode of "Child Care Conversations," Kate and Carrie dive into the nitty-gritty of financial planning for childcare providers. They chat about the importance of having a financial safety net, humorously dubbed the "oh sh*t fund" (OSF), to handle unexpected changes like those brought by the COVID-19 pandemic. 

They share practical tips to build this fund, such as using registration fees, late fees, and part-time care income. The goal? To ensure your childcare business can weather any storm. With a friendly and resourceful tone, they make financial planning sound not just necessary, but totally doable! 

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