In this episode, I’m talking about why the timing of your bookkeeping, year-end work, and tax planning matters more than most business owners realize.

I share a real client situation where:

• her year-end was July 31st
• bookkeeping was not being completed quarterly or on time
• income was underestimated during planning
• and she ended up owing more taxes than expected

This is something I see often with founders.

They think tax planning only happens at year-end, but if the bookkeeping is behind or inaccurate, the planning is already off.

This episode is a reminder that good financial decisions come from current numbers, not guessing months later.

Connect with Cindy:

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Book Recommendations⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Book your profit strategy call⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Linkedin⁠⁠⁠⁠⁠⁠⁠⁠⁠

In this episode, I sit down with Deacon Hayes to talk about something most people avoid until it becomes a problem: their relationship with money.

We get into how Deacon went from debt and financial stress to building a business around helping people create real financial freedom — not just the version social media sells.

We talk about:

• How he first got into the world of personal finance
• The mindset shifts that changed his financial life
• The truth about “retiring early” and what people misunderstand about it
• Lifestyle creep and why higher income doesn’t always equal wealth
• The habits quietly keeping people financially stuck
• Practical money advice people can actually start using today

This episode is a mix of strategy, mindset, and honest conversation around money, freedom, and building a life that actually feels sustainable.

Connect with Deacon:

Website | Instagram

Connect with Cindy: https://www.itscindykumar.com/

This is something I don’t really talk about.

But I didn’t pass everything the first time.

There were exams I failed during my CPA journey… and at the time, it felt heavier than I expected.

Because when you’re used to doing well, failing hits differently.

You start questioning yourself.
Wondering if you’re behind.
Or if you’re even meant to be doing this.

In this episode, I’m just talking through that part of my journey.

What it felt like in the moment, how I moved through it, and why I didn’t let it stop me.

Because looking back now, none of that actually defined where I ended up.

If anything, it made me more grounded in how I show up today.

If you’re in a season where something didn’t go your way, or you feel like you’re behind… you’re probably not.

You’re just in a part of the process that doesn’t get talked about enough.

Connect with Cindy:

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Book Recommendations⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠ ⁠Book your profit strategy call⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠ ⁠Linkedin⁠⁠⁠⁠⁠⁠⁠⁠

In this episode Farrah Turcotte and I are talking about the stuff women business owners don’t talk about enough when it comes to money.

Not just making money, but what’s actually happening behind the scenes.

We get into our own experiences with debt, financial stress, figuring out how to pay ourselves properly, RRSP matching through a corporation, health benefits, and learning how to build real financial stability while running a business.

This conversation felt more like two women sitting down talking honestly about money, mistakes, pressure, and the things we wish we understood sooner.

Connect with Farrah

Connect with Cindy: ⁠https://www.itscindykumar.com/⁠

This is just a real client story of how we moved money properly.

She had money sitting in her corporation, and instead of just pulling it out and creating more tax, we looked at what was already there.

There was a shareholder loan balance.

So she was able to take that money out without creating additional tax because it was already hers.

From there, we moved it into her TFSA and put it into private lending earning around 7%.

And now that money is just growing tax-free.

This episode isn’t a breakdown or teaching.

It’s just walking you through what this actually looked like in real life, and how small decisions like this can make a big difference over time.

Connect with Cindy:

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Book Recommendations⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠ ⁠Book your profit strategy call⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠ ⁠Linkedin⁠⁠⁠⁠⁠⁠⁠⁠

In this week's guest episode I sit down with Sandra Parker, founder of Justine Haines, to talk about entrepreneurship, women’s health, and changing the conversation around periods.

Sandra shares how she built Justine Haines from an idea during the pandemic into a growing brand focused on confidence, comfort, and breaking the stigma around period care. We talk about the realities of building a business as a woman, balancing growth without burnout, and why more women need open conversations around their bodies, health, and self-confidence.

We also dive into:

• The inspiration behind Justine Haines
• Building a purpose-driven brand
• Confidence, hormones, and women’s wellness
• Entrepreneurship beyond hustle culture
• Creating products that actually support women

Promo code: CINDY13 For 13% off everything and free shipping

Connect with Sandra Parker & Justine Haines:

Website | Instagram

Connect with Cindy:https://www.itscindykumar.com/

This is something I had to learn the hard way.

Trying to rush things.
Trying to force results.
Trying to get to the next level faster than I was actually ready for.

On the outside, it can look like things are working.

But underneath it, the decisions aren’t grounded.

And over time, that shows up.

In this episode, I’m just talking through what rushing and forcing things has looked like for me, and what I see in other businesses now.

Because it’s not always obvious in the moment.

It just feels like you’re “moving” or “doing more.”

But nothing is actually building properly.

This isn’t about slowing down for no reason.

It’s about doing things in a way that actually holds.

Connect with Cindy:

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Book Recommendations⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠ ⁠Book your profit strategy call⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠ ⁠Linkedin⁠⁠⁠⁠⁠⁠⁠⁠

In this episode, I sit down with Jaspreet Gill, high-performance coach and founder of Piloted Performance, to talk about the moment she realized the career she built at Microsoft no longer felt aligned — even though everything looked successful on paper.

We talk about the pressure many high-achieving women feel to keep performing, people-pleasing, and following the “safe” path, even when something internally feels off. Jaspreet shares her journey of leaving corporate, rebuilding her identity, and creating a career that actually feels fulfilling.

We also dive into the “good girl” guilt, confidence, trusting yourself, career transitions, and how she now helps ambitious women make aligned decisions, lead with confidence, and step into bigger opportunities without second-guessing themselves.

If you’ve ever felt torn between the life you built and the life you actually want, this episode is for you.

You can also download Jaspreet’s free resource, the Aligned Language List, to help shift the way you speak to yourself and move with more confidence and clarity.

Connect with Jaspreet:

Instagram | Linkedin | Aligned Language List

Connect with Cindy:

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Book Recommendations⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Book your profit strategy call⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Linkedin⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

In this episode, I’m talking about the boring money habits that have made the biggest difference in my finances and business.

Not the flashy stuff. The small things I do consistently that help me feel in control financially.

I share habits like:

• looking at my bank accounts every day
• moving GST money right away instead of pretending it’s mine
• paying credit cards every week
• checking numbers regularly
• staying aware of what’s coming in and going out

None of this is exciting.

But I honestly think a lot of financial stress comes from avoidance.

Avoiding the bank account.
Avoiding the numbers.
Avoiding what’s actually happening.

The more connected I became to my money, the more control I started to feel.

Connect with Cindy:

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Book Recommendations⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Book your profit strategy call⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Linkedin⁠⁠⁠⁠⁠⁠⁠⁠⁠

In this episode, I sit down with Megan Milacic, founder of Sit Pretty Events, to talk about how her business started and what the journey of building a brand from the ground up has really looked like.

We talk about the early stages of entrepreneurship, taking risks, figuring things out as you go, and the reality behind building a business in the events industry.

Megan shares the real side of founder life, the lessons she’s learned along the way, and what it’s taken to grow Sit Pretty Events into what it is today.

If you’re building a business, navigating growth, or trying to trust yourself more as a founder, this episode is for you.

Connect with Megan:

Instagram | Website

Connect with Cindy:

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Book Recommendations⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Book your profit strategy call⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Linkedin⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠