What the F#%k do fractional CFOs actually do? Let me show you with one wild project I couldn’t say no to 👇

What Really Happens in a $100M Investment or Credit Committee at Large Organizations (That Nobody Will Tell You) Want to know, listent to this podcast https://t.co/TBAWvJYY50

It's beautiful!! 😂👏 https://t.co/IYwCiEl32v

This is the mindset I want to borrow for my own business: Build before you scale Stress-test before you commit Eliminate uncertainty through execution, not opinions Execution beats strategy. Every time.

They built a full-scale replica to get it right. No shortcuts. No assumptions. No “good enough.”

“They built a house identical to the one they broke into, complete with all the safes and steel structures.” — Donald Trump, talking on Fox News about Nicolás Maduro’s house. That level of execution is unbelievable. They didn’t just analyze the problem. They didn’t just run

Major financial events in 2025 - Rates started coming down again — the Fed ended the year with cuts, taking the target range to 3.5%–3.75%. - Japan “normalized” money — the Bank of Japan hiked to 0.75%, the highest level in ~30 years. - Precious metals went vertical — gold

It only gets tested when: •cash gets tight •they apply for a loan •they try to sell the business By then, it’s not “financial planning.” It’s damage control. If you’re a founder: when was the last time you refreshed your financial picture with real numbers?

So many founders don’t think about their financials on a regular basis. They build a “mental model” once… and then rarely update it. The problem? That model is nonverbal, fuzzy, and usually wrong.

The more I work with accountants, the more I realize how much they misunderstand financials

You don’t need to check your cash balance. You need to check gross profit, overhead, and what’s left after both.

Missing budget isn’t failure. Not knowing why you missed it is.

https://t.co/w6Wq5AUI0d

Merry Christmas

My year according to chatgpt

Most businesses don’t have a financial problem. They have a financial discipline problem. Best practices I see in well-run companies: • Financials are reviewed monthly, not “when there’s a problem” • Numbers are tied to operations, not just accounting categories • One

I hope you've found this thread helpful. Follow me @Stan_3s for more.

7/ 🤝 For owners with variable-rate debt, recent cuts likely reduced interest costs. For those considering new financing or refinancing, now may be a better entry point than late-2023.

6/ 💡 Why this matters: Small business loans (especially variable-rate products) are often priced off prime — so when prime goes up, borrowing becomes more expensive; when it falls, it becomes cheaper. ⸻

5/ 📉 2025: • Sep: 7.25% • Oct: 7.00% • Dec: 6.75% By year-end 2025, prime has dropped nearly 1.75 pp from its peak — the biggest easing in 2 years. 

4/ ↘️ 2024: • Sep: 8.00% • Nov: 7.75% • Dec: 7.50% The prime rate began rolling over as inflation pressures eased.