Let’s picture your cash flow. I want you to imagine cash flowing through your business, like water in a stream—steady, purposeful, visible. 

Unfortunately,  most of us? We’re stuck upstream, trying to splish and splash our way through “making money” without thinking about where it goes. That’s how I was for the longest—pouring heart and hustle into my biz, but watching profit slip away like sand through fingertips.

Thankfully, that’s going to change for both of us thanks to this interview with Geily Romero, a fractional CFO and all-around Cashflow Queen. She turned my “murky money fears” into a clear path: not just tracking what’s coming in and going out… but actually using cash flow to grow my business with confidence.

Geily broke it down in a way that stopped my eyes from glazing over:

Imagine having clarity on WHEN money needs to come in (timing), HOW MUCH needs to come in relative to what goes out (amount), and what system you have to manage it all. That’s what makes cash flow strategic, not just arithmetic.

Geily is all about simplicity—and she starts by helping you build a system instead of sweating over the next dollar.

If you don’t have a bookkeeper—or your books feel like sticky notes and mystery expenses—start there. Without records, clarity is just a dream. 

She describes four “levels”:

Knowing your level helps you stop trying to sprint from chaos—so you can build upward, not spin in overwhelm.

Think four bank accounts, not a dozen:

As income comes in, it hits each account by percentage—not manually toggling numbers each time. I personally use Navy Federal for my banking, but Geily let us know that Relay Bank, the Profit First–friendly bank, can automate this for you.

You don’t need 75% for profits on day one. Geily recommends starting with something like 5% profit, 10-15% for taxes, and letting the rest build your pay and operations. Grow it over time.

Figure out your minimum monthly burn—your true baseline for running the business. Anything over that isn’t “just sitting there”—it belongs in one of those designated accounts.

I want you to picture your business not as a trickle or a flood, but as a steady, manageable river—flowing toward your goals, not backwards into overwhelm. Cash flow isn’t boring math—it’s your tool for freedom, sustainability, and yes, paying yourself what you truly deserve.

If your finances feel entangled, you’re not alone—and there is clarity on the other side. Let’s not just survive our numbers—let’s make them work for us.

This week, take a breath and start one small, clear step:
If you don’t have a bookkeeper—or if your records are a hot mess—spend 30 minutes gathering your income and expenses (even if it’s just Excel or your bank statements). Then, figure out how much your business actually costs to run, and then only move from there. That clarity is powerful.

Geily recommended a book that shifted her mindset—and mine might be next on the list: “10X Is Easier Than 2X“. It helps you dream bigger (and smarter), by scaling in a way that doesn’t burn you out.

Geily Romero is the founder of Cutting Edge Financial Solutions — a Fractional CFO, financial consultant, and all-around cash flow queen. She helps service-based small businesses nearing or making six figures master, manage, and multiply their money so they can scale sustainably and strategically. Whether you’re barely scraping by or just unsure where your profit is going, Geily brings the clarity and tools to help you go from surviving to thriving.

Website – Cutting Edge Financial Solutions

Instagram – @cuttingedgefinancialsolutions

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