The Financial Operator

The Financial Operator

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The Financial Operator episodes

  • Mastering Your Finances During Your Business' Slow Season

    Welcome to the Mills Knows Bills Podcast! In this episode of Mills Knows Bills, host Mills Bender delivers a solo cast with valuable financial advice for business owners facing slower seasons. Mills discusses strategies such as identifying your slow season through profit and loss analysis, building and utilizing an emergency fund, and effectively using downtime to prepare for peak business periods. Tune in to learn how to manage fluctuating income and achieve your financial goals during your slow seasons! Whether it's through guest speakers, in-depth financial conversations, or a solo cast, Mills Knows Bills aims to help you master your money.

    00:00 Introduction to Mills Knows Bills

    00:53 Welcome Back and Today's Topic

    01:29 Identifying Your Slow Season

    01:58 Financial Strategies for Slow Seasons

    02:52 Preparing for High Seasons

    03:54 Conclusion and Contact Information

    Don't forget to subscribe on YouTube for the latest money management tips and answers to your burning financial questions! @MillsKnowsBills

    Find Mills on Instagram: https://instagram.com/@millsknowsbills

    LinkedIn: https://www.linkedin.com/company/mills-knows-bills

    Visit https://MillsKnowsBills.com for more

    #financialpodcast #millsknowsbills #variableincome #businessfinances

    5 min
  • How To Be Financially Reliable With Your Business

    Welcome to The Mills Knows Bills Podcast! Let's get to those burning financial questions!

    Welcome to the Mills Knows Bills podcast! In this podcast, host Mills Bender, the founder and CEO of Mills Knows Bills, discusses practical financial strategies for variable income earners to master their money. This episode welcomes guest Michael Morrow, a seasoned construction expert from Northern Ireland, to share his unique journey of starting his own LLC. Learn about essential financial tips for new businesses, such as personal and business budget planning, revenue goal setting, and the importance of systematic bookkeeping. Michael also delves into his expertise in solving construction problems and offers advice for other entrepreneurs starting out. Don't miss out on this insightful conversation packed with actionable financial insights!

    Subscribe on YouTube @MillsKnowsBills for the latest financial advice from Mills Bender. You can also visit https://MillsKnowsBills.com

    To connect with Michael: [email protected]

    00:00 Introduction to Mills Knows Bills

    00:53 Meet Our Guest: Michael Morrow

    01:23 Michael's Background and Expertise

    04:11 Michael's Financial Question

    05:22 Mills' Financial Advice for New Business Owners

    12:44 Michael's Approach to Construction Management

    16:35 Conclusion and Contact Information

    16:56 Final Thoughts and Resources

    #financialpodcast #millsknowsbills #variableincome #moneymanagement #newbusiness #newbusinessfinances

    19 min
  • Cash Flow or Equity Growth?

    Welcome to The Mills Knows Bills Podcast! Let's get to those burning financial questions!

    In this episode of Mills Knows Bills, host Mills Bender welcomes guest Zach Sasser, "The Young Closer," to answer questions on prioritizing cash flow versus appreciation in real estate investments. Drawing from both their extensive experiences, Mills and Zach discuss strategies for achieving financial goals through passive income, the importance of understanding tax advantages, and offer insights from their business journeys. Tune in for practical advice that can help ease variable income earners' minds and achieve financial stability.

    To get the latest financial advice from Mills Bender, host and CEO of Mills Knows Bills, subscribe on YouTube @MillsKnowsBills , and visit https://MillsKnowsBills.com

    To connect with Zach:

    https://facebook.com/realzachsasser

    https://www.instagram.com/sasser21

    LINK TO YOUTUBE VIDEO: https://youtu.be/Pe6o7kS_lXg

    00:00 Introduction to Mills Knows Bills

    01:01 Meet Our Guest: Zach Sasser

    01:27 Zach's Financial Background

    03:07 The Big Question: Cash Flow vs. Appreciation

    06:27 Understanding Passive Income and Taxes

    09:41 Zach's Business Insights and Contact Info

    11:19 Closing Remarks and Resources

    13 min
  • How Much Should You Save?

    Welcome to The Mills Knows Bills Podcast! Let's get to those burning financial questions!

    In this episode of the "Mills Knows Bills" podcast, host Mills Bender, founder and CEO of Mills Knows Bills, welcomes Scott Rammage from Hire VP to discuss how variable income earners can effectively manage their finances. Scott, a long-time friend and business owner, seeks advice on separating savings for business and personal expenses. Mills provides valuable insights into budgeting, saving, and utilizing high-yield savings accounts for financial stability. This episode offers practical tips for business owners to scale efficiently using virtual professionals, making it a must-watch for entrepreneurs aiming to grow their businesses and achieve financial freedom.

    Subscribe on YouTube @MillsKnowsBills for the latest financial advice from Mills Bender. You can also visit https://MillsKnowsBills.com

    To connect with Scott:

    https://www.facebook.com/scott.rammage.7

    https://www.vamediamachine.com/

    LINK TO YOUTUBE VIDEO: https://youtu.be/hKROO0Q2j2Q

    00:00 Introduction to Mills Knows Bills

    01:03 Guest Introduction: Meet Scott

    01:57 Scott's Burning Financial Question

    02:26 Personal Financial Advice

    03:48 Business Financial Advice

    04:43 Clarifying Payroll Buffers

    08:36 Scott's Business Insights

    12:02 How to Connect with Scott

    13:01 Closing Remarks and Resources

    #millsknowsbills #personalfinance #variableincome #financialpodcast

    15 min
  • How To Invest For Long-Term Wealth

    Welcome to the Mills Knows Bills Podcast!

    In this episode of the "Mills Knows Bills" podcast, host Mills Bender, founder and CEO of Mills Knows Bills, welcomes Clifton Muckenfuss, a serial entrepreneur and business coach. Together they discuss tailored financial strategies for entrepreneurs, the importance of setting personal financial goals, and the best investments to secure long-term wealth. Clifton shares insights from his extensive experience in growing and scaling businesses, offering practical advice for small business owners. Tune in to learn how to manage your variable income, invest wisely, and achieve financial freedom.

    Subscribe on YouTube @MillsKnowsBills for the latest financial advice from Mills Bender. You can also visit https://MillsKnowsBills.com

    To Connect with Clifton:

    Website: https://your-small-business-coach.com/

    LI: https://www.linkedin.com/in/cliftonmuckenfuss

    FB: https://www.facebook.com/topcontractorcoach/

    IG: https://www.instagram.com/yoursmallbizcoach/

    00:00 Introduction to Mills Knows Bills

    01:01 Meet Clifton Muckenfuss: The Motivation Guru

    01:38 Clifton's Journey and Expertise

    02:52 Financial Strategies for Entrepreneurs

    06:10 Getting Started with Investments

    08:29 Clifton's Business Coaching Insights

    10:37 Connecting with Clifton

    12:25 Closing Remarks and Resources

    #personalfinance #personalfinance #variableincome #financialpodcast #millsknowsbills

    14 min
  • Is Passive Income Real?! | The Mills Knows Bills Podcast EP 10

    Welcome to a new season of the Mills Knows Bills Podcast! Join host Mills Bender as she discusses with her guests strategies for variable income earners to master their finances.

    In the season premier of the Mills Knows Bills podcast, host Mills Bender, founder and CEO of Mills Knows Bills, speaks with guest Hugo Perez about managing money with a variable income. Hugo, a 25-year-old entrepreneur in the furniture and mattress industry, also delves into art dealing and financial literacy. They discuss the concept of passive income, investment strategies, and the necessary upfront work required to achieve financial goals. Whether you are just starting to invest or already have substantial funds, this episode offers valuable insights into mastering your finances and making smart investments.

    Please subscribe on YouTube @MillsKnowsBills for the latest podcast episodes!

    For more, visit: https://www.millsknowsbills.com

    To connect with Hugo: https://www.instagram.com/hperez1598/

    call or text: 512.637.1750

    00:00 Introduction to Mills Knows Bills

    00:53 Season Two Kickoff with Hugo Perez

    01:27 Hugo Perez's Background and Interests

    02:16 Exploring Passive Income

    04:00 Investing Strategies and Personal Insights

    05:44 Creating Digital Products for Passive Income

    09:20 Final Thoughts and Contact Information

    10:36 Closing Remarks and Disclaimer

    #millsknowsbills #personalfinance #personalfinance #variableincome #financialpodcast

    13 min
  • To Crypto Or Not To Crypto? | The Mills Knows Bills Podcast EP 9

    Welcome to the Mills Knows Bills podcast! Join host Mills Bender as she discusses with her guests strategies for variable income earners to master their finances.

    In the season finale of the Mills Knows Bills podcast, host Mills Bender, alongside special guest Megan Fitzpatrick, founder of The Fitz Solution, dive into the complexities of managing variable incomes and the importance of financial education. The episode covers various topics, from the relevance of cryptocurrency investments to empowering teenagers towards fulfilling futures. Megan shares her journey from a high school math teacher to an entrepreneur, highlighting her initiative, The Ultimate Selfie, aimed at helping teenagers discover their identities and aspirations. Additionally, the podcast addresses the significance of parental support in exploring non-traditional educational paths for their children. The episode concludes with Megan offering free resources for teenagers and their families, emphasizing the importance of diversification in investments and education as keys to financial freedom.

    To connect with Megan:

    FB: https://www.facebook.com/thefitzsolution

    IG: https://www.instagram.com/thefitzsolution

    Website: https://www.thefitzsolution.com/

    If you enjoyed this content, please subscribe @MillsKnowsBills

    For more from Mills, visit: https://www.MillsKnowsBills.com

    00:00 Welcome to the Mills Knows Bills Podcast: Mastering Your Money

    00:53 Season Finale Special: Guest Megan Fitzpatrick Joins the Show

    01:51 To Crypto or Not: Navigating Financial Investments

    03:41 Empowering the Next Generation: Megan's Mission

    05:36 Advice for Parents: Understanding and Supporting Your Child's Path

    07:11 How to Connect with Megan and Access Free Resources

    08:15 Wrapping Up the Season: A Heartfelt Thank You

    PODCAST TOPIC KEYWORDS:

    Mills Bender, Megan Fitzpatrick, Fitz Solution, crypto, financial education

    11 min
  • How To Turn Your Vacation Home Into a Profitable Rental?! | The Mills Knows Bills Podcast EP 8

    Welcome to the Mills Knows Bills podcast! Join host Mills Bender as she discusses with her guests strategies for variable income earners to master their finances.

    In this episode of the Mills Knows Bills podcast, host Mills Bender is joined by guest Jon Sansone. The discussion focuses on financial strategies for individuals with fluctuating incomes, aiming to alleviate the struggles of living paycheck to paycheck and accelerating debt payoff. Mills provides valuable insights on monetizing a newly acquired lake house through short-term rental options, emphasizing the importance of community regulations, marketing strategies, financial planning, and insurance considerations. In addition, Jon shares his expertise on 'power selling', discouraging sales out of desperation and promoting a strong sales strategy. The episode also highlights the availability of free financial resources, coaching programs, and a special discount for podcast listeners.

    To connect with Jon:

    https://saleswarriorinspire.com/

    https://www.linkedin.com/in/jon-saleswarrior-116328225

    If you enjoyed this content, please subscribe @MillsKnowsBills For more, visit https://www.MillsKnowsBills.com

    00:00 Welcome to Mills Nose Bills Podcast: Mastering Your Money

    01:05 Guest Introduction and Financial Question: Monetizing a Lake House

    01:39 Expert Advice: Turning Your Property into a Profitable Rental

    05:49 Insurance and Financial Planning for Your Rental Property

    07:25 Power Selling: Strategies for Business Owners

    09:23 Ideal Clients and Professional Sales Training

    10:07 How to Connect with John for Sales Mastery

    11:00 Thank You and Final Thoughts

    PODCAST TOPIC KEYWORDS:

    Mills Knows Bills, Mills Bender, Jon Sansone, Variable Income, Rental Property

    13 min
  • Retired? (...And Low On Funds.) What Do You Do? | The Mills Knows Bills Podcast

    Welcome to the Mills Knows Bills podcast! Join host Mills Bender as she discusses with her guests strategies for variable income earners to master their finances. The episode features guest Ashley Herrera, a mortgage expert and TV host, who shares insights on assisting elderly clients with limited financial resources in purchasing homes. They explore solutions such as building additional dwellings on existing properties and seeking investments, focusing on serving clients without traditional proof of income. Herrera details a nationwide investment program facilitating property purchase and financing. Contact information for further assistance is provided, alongside encouragement for listeners to utilize the podcast's resources for financial betterment and offers for coaching programs or courses with a special podcast discount. The episode emphasizes individual consultation for specific advice, reinforcing its educational intent.

    To connect with Ashley:

    Website: https://www.theashleyherrera.com

    Call or text: (325) 340-3324

    For more, visit: https://www.MillsKnowsBills.com

    00:00 Welcome to the Mills Knows Bills Podcast!

    00:53 Introducing Our Special Guest: Ashley

    01:27 Ashley's Burning Financial Question

    02:52 Creative Solutions for Elderly Financial Support

    05:21 Investment Opportunities and Nationwide Programs

    06:20 How to Contact Ashley for More Options

    07:07 Gratitude and Additional Resources

    08:06 Important Disclaimer and Closing Remarks

    Topic Keywords;

    Mills Knows Bills, Mills Bender, Ashley Herrera,

    9 min
  • How To Handle Volatile Financial Markets

    How to Handle Volatile Financial Markets | The Mills Knows Bills Podcast

    Welcome to the Mills Knows Bills Podcast! The podcast aims to assist variable income earners in mastering their finances within 90 days, focusing on transitioning from paycheck-to-paycheck living to achieving personal and professional financial goals. In this episode, host Mills Bender is joined by guest Barry Botwin, a seasoned mortgage lender from Cross Country Mortgage. Bender and Botwin discuss the uncertainty of the financial markets in the coming year, touching upon factors like elections, wars, and how these could affect interest rates and consumer behavior. They explore strategies for financial resilience, including diversifying income streams, planning personal and business finances, reducing debt, and building an emergency fund. Botwin shares insights into his work with a range of clients, from first-time homebuyers to luxury property purchasers, and offers his contact information for those seeking mortgage advice. The episode emphasizes the importance of controlling personal finances amidst market unpredictability, with Bender sharing her personal journey of how Mills Knows Bills was born out of crisis and uncertainty.

    To reach out to Barry: Call or text the office 7 days a week, 7am–7pm at (407)768-3242

    Email: [email protected]

    If you enjoyed this content, please like, share, and subscribe on YouTube for the latest! https://www.youtube.com/@MillsKnowsBills

    For more information, please visit https://www.millsknowsbills.com

    00:00 Welcome to Mills Knows Bills: Mastering Your Money

    00:53 Introducing Guest Barry Botwin: A Mortgage Lending Expert

    02:03 Navigating Financial Uncertainty: Tips and Strategies

    08:20 Barry's Insight on the Mortgage Industry and Client Advice

    10:50 How to Connect with Barry for Mortgage Assistance

    11:47 Gratitude and Resources for Financial Growth

    12:40 Closing Remarks and Disclaimer

    Topic Keywords:

    Mills Knows Bills, financial markets, Barry Botwin, Cross Country Mortgage, mortgage

    14 min

About The Financial Operator

From the publisher's feed

I've spent over a decade in finance and operations, including seven years as an Operational CFO helping businesses through everything from growth to Chapter 11 bankruptcy. I've owned, scaled, and sold my own company, so I understand firsthand the pressure, risk, and grit it takes to be a business owner.