Ecomm Breakthrough

The 40-20-40 Finance Rule: Blueprint for Profitability and Sustainable Growth with Christyne Gray


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Christyne Gray is a distinguished accountant, inventory planning expert, cash flow efficiency coach, certified tax specialist, and the visionary founder of She Profits Now. With a career spanning over 25 years, she has been a serial entrepreneur focusing on the retail industry since her college days. She has dedicated her career to helping high-achieving retail industry entrepreneurs create profitable and impactful businesses through her Financially Fabulous Coaching Program and her extensive experience in financial directorship and leadership.

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> Here’s a glimpse of what you would learn…. 

  • Importance of a profitability-focused mindset for e-commerce entrepreneurs.
  • Overview of the "infinite financial loop" framework for financial management.
  • Analyzing past sales metrics to identify strengths and areas for improvement.
  • Recognizing opportunities and gaps in performance to inform strategic decisions.
  • Planning for future profitability through actionable goal setting.
  • Significance of effective inventory management and its impact on cash flow.
  • Continuous evaluation and adjustment of financial strategies as businesses evolve.
  • Creative approaches to financial management to engage entrepreneurs.
  • Key financial metrics to monitor for better decision-making.
  • Strategies for categorizing expenses to identify potential cost savings.

In this episode of the Ecomm Breakthrough Podcast, host Josh Hadley interviews Christyne Gray, founder of She Profits Now, to discuss an "infinite financial loop" designed to boost e-commerce profitability. Christyne shares her expertise in accounting, inventory planning, and cash flow efficiency, emphasizing the importance of a profitability-focused mindset. Key takeaways include the 40-20-40 cash flow management rule, strategic inventory control, and the necessity of regular financial assessments. By following Christine's actionable steps, entrepreneurs can better manage their financials, optimize spending, and drive their businesses toward sustainable growth and higher profitability.


Here are the 3 action items that Josh identified from this episode:

  1. Regular Financial Reviews & Profitability Focus
    Schedule consistent financial reviews to monitor your business's financial health and embrace a profitability-focused mindset. Invest in financial education to better understand key metrics and use that knowledge to make informed decisions that drive long-term sustainability.
  2. Strategic Sales & Inventory Analysis
    Continuously analyze your sales and inventory metrics. Use customer segmentation and tools like Google Analytics to track performance. Apply the 40-20-40 rule for inventory pricing: 40% to cover cost, 20% for profit, and 40% for expenses to maintain balanced cash flow.
  3. Goal Setting & Continuous Optimization
    Implement a SMART goal-setting process to plan for growth based on your sales data and inventory insights. Treat financial management as a continuous loop, revisiting and adjusting strategies regularly to stay adaptable and responsive to market conditions.

Resources mentioned in this episode:

  • She Profits Now
  • Atomic Habits
  • ChatGPT (Pro Version)

Special Mention(s):

  • Adam “Heist” Runquist on LinkedIn
  • Kevin King on LinkedIn
  • Michael E. Gerber on LinkedIn

Related Episode(s):

  • “Cracking the Amazon Code: Learn From Adam Heist’s Brand Scaling Secrets” on the eComm Breakthrough Podcast
  • “Kevin King’s Wicked-Smart Tips for Building an Audience of Raving Fans” on the eComm Breakthrough Podcast
  • “Unlocking Entrepreneurial Greatness | Insider Secrets With E-myth Author Michael Gerber” on the eComm Breakthrough Podcast

Episode Sponsor

Sponsor for this episode...


This episode is brought to you by eComm Breakthrough Consulting where I help seven-figure e-commerce owners grow to eight figures. 


I started Hadley Designs in 2015 and grew it to an eight-figure brand in seven years.


I made mistakes along the way that made the path to eight figures longer. At times I doubted whether our business could even survive and become a real brand. I wish I would have had a guide to help me grow faster and avoid the stumbling blocks.


If you’ve hit a plateau and want to know the next steps to take your business to the next level, then go to www.EcommBreakthrough.com (that’s Ecomm with two M’s) to learn more.


Transcript Area


Josh Hadley 00:00:00  Welcome to the Ecomm Breakthrough podcast. I'm your host, Josh Hadley, where I interview the top business leaders in e-commerce. Past guests include Kevin King, Aaron Cordova's and Michael E Gerber, author of the E-myth. Today I am speaking with Christyne Gray. She is the founder of She Profits Now and today we are going to be talking about an infinite financial loop to make your business more profitable. This episode is brought to you by Ecomm Breakthrough, where I specialize in investing in and scaling seven figure e-commerce companies to eight figures and beyond. If you're an ambitious e-commerce entrepreneur looking for a partner who can help take your business to the next level, my team and I bring hands on experience, strategic insights, and the resources needed to fuel your growth. So if you or someone you know is ready to scale or looking for an investment partner, reach out to me directly at Josh at Ecomm Breakthrough dot com. That's e-comm with two M's. And then let's turn your dreams into re...

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