“Cash or accrual?” It sounds like accountant-speak, but it’s one of the most important decisions you’ll ever make for your small business.

In this episode of Zero Fluff Books, former IRS agent and bookkeeper Lauren Twitchell breaks it down in plain English:

✅ The real difference between cash and accrual (and why it’s simpler than you think)
✅ Why most small shops, Etsy sellers, and tradespeople can stick with cash basis
✅ When the IRS or lenders might require accrual
✅ How to choose the right method for your business—without overcomplicating it

Whether you’re selling at markets, running a small trade, or managing your first Etsy shop, you’ll walk away with clarity and confidence about how your books really work.

Clean books. Less stress. Zero Fluff.