In this episode, I’m diving into a concept that’s shifted the way I make decisions in my business—and how quickly I take action: The Speed Bar.

If fear, overthinking, or “what if” spirals tend to keep you stuck, this one’s for you. I’ll share what the speed bar is, how mine has evolved over the years, and why increasing yours can completely change the momentum in your business.

Plus, I’ll walk you through the real cost of a slow speed bar, how to tell if fear is running the show, and what small steps you can take to start making bolder, faster decisions as a store owner.

Let’s move through the fear and get you unstuck. Visit the shownotes for this episode.

Kathy Cruz is an Independent Retail Coach who helps store owners work smarter, profit more, and grow their brick and mortar businesses. Connect with Kathy and learn more here:

Website & Mastermind Group: Savvy Shopkeeper Instagram: @savvyshopkeeper

In this episode, I’m sharing how I went from paying myself minimum wage to setting—and hitting—a real CEO-level salary. If you’re a store owner who wants to make more and work smarter, this one’s for you. I’ll walk you through how to set a salary goal, calculate the revenue needed to support it, and start delegating tasks so you can focus on growing your business.

Plus, we’ll talk about the revenue cap solo store owners hit and why hiring a store lead is a game-changer once you hit $350K+ in annual revenue. 

Ready to step into your leadership role? Let’s do this. Visit the shownotes for this episode and grab the free CEO Pay Workbook that goes with this episode at:  www.savvyshopkeeper.com/episode252 

Kathy Cruz is an Independent Retail Coach who helps store owners work smarter, profit more, and grow their brick and mortar businesses. Connect with Kathy and learn more here:

Website & Mastermind Group:  Savvy Shopkeeper Instagram: @savvyshopkeeper 

In this bonus episode, I’m introducing Retail Reset—a brand new Zoom workshop for store owners who feel like their business is being held together by duct tape and guesswork.

This is not about analyzing reports or digging into deep financials.

Retail Reset is the class for store owners who feel behind on the business side of things—and are ready to fix it.

Retail Reset is about setup, cleanup, and getting your business on solid ground—so you can finally see your numbers, track what matters, and make better decisions in the future. It's the foundational work you've needed but either didn't know how to ask for it or you've been avoiding it.

If your inventory feels out of control, your books are a mess (or nonexistent), and you’ve been avoiding all the behind-the-scenes stuff…this is where your reset starts.

🎟 Click HERE to register now – $67 includes replay access + 3 practical bonuses!

One of my favorite parts of hosting a yearly conference for retail store owners is sharing the tools I use (and love) to market, support, and get insight into my brick-and-mortar store.

These tools can seriously support and streamline your retail business—and they made great door prizes as sponsors at this year’s conference—but here’s a little more about what they do, who they’re for, and why I believe they’re valuable.

Listen to epsiode 251 of the Savvy Shopkeeper Retail Podcast for the 3 Tools for Retail Store Owners That’ll Save You Time (And Help Generate Revenue). Find shownotes to this episode at www.savvyshopkeeper.com/episode251.

Kathy Cruz is an Independent Retail Coach who helps store owners work smarter, profit more, and grow their brick and mortar businesses. Connect with Kathy and learn more here:

Website & Mastermind Group:  Savvy Shopkeeper Instagram: @savvyshopkeeper 

When economic uncertainty rises, consumers don’t just “spend less,” they fundamentally change how they make decisions. Research shows that during periods of instability, people shift from “promotion-focused” thinking (seeking gains and opportunities) to “prevention-focused” thinking—avoiding losses and protecting what they have.

Your customers aren’t just being more careful with money; they’re operating from an entirely different psychological framework.

If you, as a retailer, can’t adapt your marketing strategy to better fit this mindset, it’ll be difficult to grow or even maintain your current sales or recover from a dip.

Listen to episode 250 for six behavioral strategies to build certainty in uncertain times. For show notes, visit www.savvyshopkeeper.com/episode250.

Kathy Cruz is an Independent Retail Coach who helps store owners work smarter, profit more, and grow their brick and mortar businesses. Connect with Kathy and learn more here:

Website & Mastermind Group:  Savvy Shopkeeper Instagram: @savvyshopkeeper 

In this bonus episode, Kathy shares heartfelt reflections and key takeaways from the Get Traffic Savvy Shopkeeper Conference in Cleveland. From Amanda Herring’s unforgettable Instagram session to the video memorial honoring April to Mamita’s surprise visit, this episode captures the magic, learning, and love that filled the room. Kathy also opens up about what she learned as a leader, why this event has to happen again, and the power of connecting with fellow shopkeepers. Whether you attended or not, this recap is full of insight, inspiration, and gratitude. Mentioned in the episode:

The event venue webiste for Biographie: The Colab Concepts 

Want to find out about future events? Sign up for the Savvy Shopkeeper Newsletter

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If there’s something that every store owner wants to review or discuss, but the discomfort of the conversation is convincing you to avoid it, it’s your margins. 

With rising costs, inflation, and the constant pressure to keep your customers happy, this is one of the trickiest but most important things you need to dial in this year. So, if you’ve been wrestling with pricing decisions or you’re feeling nervous about charging “too much,” then this is for you!

Listen to episode 249 for seven ways you can improve and protect your profit margins. For show notes, visit www.savvyshopkeeper.com/episode249.

Kathy Cruz is an Independent Retail Coach who helps store owners work smarter, profit more, and grow their brick and mortar businesses. Connect with Kathy and learn more here:

Website & Mastermind Group:  Savvy Shopkeeper Instagram: @savvyshopkeeper 

At first glance, extending store hours might seem like a simple decision. Just “stay open a little later, and customers will come,” right? But, not quite. A decision like this deserves a thoughtful approach, and that’s where a cost-benefit analysis can make all the difference.

But, if you’re wondering why, this is for you. Here are five reasons why you should do a cost-benefit analysis of extending your store hours. 

Listen to episode 248 for five reasons why conducting a cost-benefit analysis is so valuable when you’re considering extending your store hours. For shownotes visit www.savvyshopkeeper.com/episode248.

Kathy Cruz is an Independent Retail Coach who helps store owners work smarter, profit more, and grow their brick and mortar businesses. Connect with Kathy and learn more here:

Website & Mastermind Group:  Savvy Shopkeeper Instagram: @savvyshopkeeper 

When you’re running a brick-and-mortar business, there’s a fear you probably didn’t expect to have, thanks to taxes: the fear of making more profit. Avoiding profit is not the best financial strategy, and it can actually hurt your business both short-term and long-term.

While I’m going to share WHY this is, I want to also remind you to consult your CPA, financial advisor, and/or bookkeeper for clarification on if you can use this for your business and financial situation.

Listen to episode 247 for tips on how to navigate tax brackets as an indie retail brick-and-mortar business owner and visit www.savvyshopkeeper.com/episode247 for show notes to this episode.

Kathy Cruz is an Independent Retail Coach who helps store owners work smarter, profit more, and grow their brick and mortar businesses. Connect with Kathy and learn more here:

Website & Mastermind Group:  Savvy Shopkeeper Instagram: @savvyshopkeeper 

One of the most common challenges brick-and-mortar store owners face is in their financial planning. From filtering through the advice that actually applies to you and juggling factors out of your control (like tariffs), it’s hard to find something that works.

In today's episode, I’m sharing 6 common financial planning tips that work and how to tell if financial advice is meant for you (and if it’s not). I’m also sharing BOTH the why they may or why they may not work for your retail business. I want you to think carefully about whether or not it would work for YOU.

Kathy Cruz is an Independent Retail Coach who helps store owners work smarter, profit more, and grow their brick and mortar businesses. Connect with Kathy and learn more here:

Website & Mastermind Group:  Savvy Shopkeeper Instagram: @savvyshopkeeper