Stacy Luft

Replace hourly billing with value-based retainer packages.

For many capable, service-based solopreneurs, the financial side of the business can feel overwhelming, shame-inducing, or simply disconnected from the meaningful work you do.

As a solopreneur, hire a bookkeeper when you spend over three hours a month on your books, consistently fall behind, or the stress of it causes total avoidance. This is a strategic investment to prevent costly emergencies and reclaim your energy for growing your business.

When you delete a transaction, you're not just removing a mistake. You're erasing history. And in bookkeeping, history matters more than you might think.

Overcome financial anxiety by starting small: schedule 15-minute weekly 'money dates' to review basics. Use simple software and reframe numbers as a tool for empowerment, not judgment. This small habit prevents massive future crises.

Revenue is total income; profit is what's left after expenses and taxes. Spending based on revenue is the fastest way to manufacture a cash crisis because you're spending money that belongs to the IRS or your suppliers.