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PODCAST

Business Cents

Business Cents with Melissa Terito & Lloyd Johnson is your guide to building a business that works for you—not the other way around. Each episode delivers practical strategies and insights on finance, operations, and leadership, helping you streamline decisions, increase confidence, and create the freedom to focus on what matters most.

business management

All Episodes

00:35:32

Business Cents S1E10: Set Smarter 2026 Goals -...

Business Cents ·

2025/12/18

It’s the holiday finale of Business Cents, and Lloyd Johnson is joined by Ben Vance to help business owners slow down, reflect, and set smarter goals for 2026.In this episode, they share why year-end reflection matters and why looking back beyond just the last 12 months can reveal bigger wins and clearer patterns. They also unpack common misconceptions that can derail planning, like revenue does not equal profitability, cash does not equal liquidity, and movement does not equal progress.They break

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00:36:52

Business Cents S1E9: Budgeting - Hope Isn’t a Strategy

Business Cents ·

2025/11/13

Think you can run your business without a budget? Think again.In this episode of Business Cents, Melissa Terito and Lloyd Johnson tackle one of the least “fun” but most essential parts of running a successful business - creating and sticking to a budget. They break down why budgeting isn’t just about spreadsheets and numbers, but about accountability, clarity, and long-term stability.Melissa and Lloyd share:💡 Why “hope” is not a financial strategy📈 How to start budgeting, even if your company has

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00:28:25

Business Cents S1E8: Understanding Cash Flow...

Business Cents ·

2025/11/06

Think your revenue looks great but your bank account tells a different story? In this episode of Business Cents, Melissa Terito and Lloyd Johnson break down one of the most misunderstood yet most revealing financial reports: the cash flow statement.Lloyd explains why it’s his favorite financial statement, how it connects to your income statement and balance sheet, and what key numbers reveal about the health of your business. Together, Melissa and Lloyd walk through:📊 The three types of cash flow

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00:32:00

Business Cents S1E7: Your Business Scoreboard -...

Business Cents ·

2025/10/30

In this episode of Business Cents, Lloyd Johnson and Melissa Terito break down the essentials of understanding your financial statements, what they are, why they matter, and how to actually use them to make smarter business decisions.From explaining the difference between cash and accrual accounting to demystifying your P&L, balance sheet, and cash flow statement, Lloyd and Melissa share practical insights that every business owner can apply. They also tackle common misconceptions, share

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00:20:49

Business Cents S1E6: Making KPIs Work for You -...

Business Cents ·

2025/10/23

Every business owner has heard the term KPI—but how many are actually using them to make smarter, faster decisions? In this episode, Melissa Terito and Lloyd Johnson break down what key performance indicators really mean for your business and how to choose the ones that actually move the needle.They cover:The difference between leading and lagging indicators (and why both matter)How to design KPIs that predict success, not just track historyTurning metrics into accountability and actionPractical

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00:24:51

Business Cents S1E5: Right People, Right Seats -...

Business Cents ·

2025/10/16

In this episode of Business Sense, Melissa and Lloyd unpack one of the most powerful concepts from the Entrepreneurial Operating System (EOS) — “Right People, Right Seats.”Whether you’re leading a growing firm or managing a small team, getting this balance right can transform your culture, clarify accountability, and set your business up for long-term success.They share how implementing EOS and the book Traction helped their firm move from job titles to accountability, and why defining core values

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00:23:22

Business Cents S1E4: Who, Not How — Finding the Right...

Business Cents ·

2025/10/09

After exploring the art of delegation in the last episode, Melissa and Lloyd take the conversation one step further — into the who, not the how.Inspired by the book Who Not How by Dan Sullivan and Dr. Benjamin Hardy, this episode challenges the mindset of “How am I going to get this done?” and reframes it to “Who can help me get this done?”Melissa and Lloyd share how this shift in thinking can unlock growth, reduce overwhelm, and create opportunities for your team to thrive. From real-life firm

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00:26:00

Business Cents S1E3: Freeing Your Time, Empowering...

Business Cents ·

2025/10/02

Hosts Melissa Terito, CPA and Lloyd Johnson, CPA explore a business skill that every leader struggles with at some point: delegation. From the small “30-second tasks” to major client deliverables, they break down why letting go is not dumping work—but a strategy to grow capacity, empower people, and reduce mental load. With candid stories and step-by-step strategies, they show how delegation becomes a daily practice that frees leaders and builds stronger teams.In this episode, you’ll learn:Why

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00:25:57

Business Cents S1E2: Boundaries in Business — How...

Business Cents ·

2025/09/24

Hosts Melissa Terito, CPA and Lloyd Johnson, CPA dig into a topic Melissa keynotes often: boundaries. From shifting out of constant reactivity to protecting deep-focus time, they share candid stories (including Melissa’s turning point with burnout) and practical moves any owner or leader can start this month.In this episode, you’ll learn:Why “freedom lives in structure” for entrepreneurs and teamsHow to move from inbox triage to a proactive weekSimple time boundaries: quit after-hours email, stack

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00:24:38

Business Cents S1E1: Mastering Cash Flow and Billing...

Business Cents ·

2025/09/18

Welcome to the very first episode of Business Centswith hosts Lloyd Johnson and Melissa Terito, CPAs and partners at Faulk & Winkler. In this kickoff conversation, Lloyd and Melissa dive into one of the biggest challenges business owners face: cash flow management.They break down why billing practices matter, how tostructure payment terms to reduce reliance on lines of credit, and practical steps to make sure you’re getting paid on time. From upfront deposits to streamlined invoicing systems,

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10 results

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