As a small business owner, the strongest “legacy stone” you’ll ever place is leading your team in volunteerism that can build an unbreakable culture and pride. When everyone serves together, loyalty skyrockets, turnover drops, and customers choose you because your brand has real

As a small business owner, COGS is the direct cost of what you sell (like ingredients or materials), while overhead is the fixed “keep the lights on” costs (rent, utilities, insurance) that stay the same no matter how much you sell. Getting these two straight lets you see your

Experience speeds up to 400+ Mbps to enjoy 4K streaming on multiple devices at once, working from home effectively, online gaming, social media browsing, and more. Order online in under 2 minutes.

Merry Christmas from StudioM Financial! Thinking about and praying for you today. Until we meet, keep working on the change. 🎄💝

As a small business owner, skip the stressful, expensive wrapping paper drama this holiday season (avoid the puffy sides!). Gift bags are quicker, cheaper, reusable, and way less frustrating—saving you time for family and money for your business. Choose the smart financial hack

Small business owners: offering an HSA or FSA in 2026 is a triple win – you deduct 100% of contributions, attract top talent without huge premiums, and your team saves 30-40% on healthcare costs pre-tax. HSAs are extra powerful because funds roll over forever, grow tax-free, and

Don't try to help everyone – going broad makes you invisible and turns you into the cheapest option. Pick a well-defined niche, speak directly to their challenge, and you’ll be paid well, receive referrals, and dominate with almost minimal competition. Niche feels scary until

Hey Morphers! Katrena @StudioMFin here—Friday’s Community Decision. Close your eyes: Your biz closes… but the legacy lives. Coffee shop → single mom becomes RN. Garage → 3 apprentices own shops. Boutique → funds 42 kids’ uniforms. Ripple = Legacy Stones. Legacy

Hey Morphers! Katrena @StudioMFin here. Remote vs. Office? It’s not ideology—it’s math + culture. Remote Wins: Slash office space overhead → increase profit margins FOREVER. Office Edge: Spark mentorship, kill miscommunication, bond over lunch—vital when cash is tight.

Hi Morphers! Katrena @StudioMFin here. Virtual cards = game-changer for small biz spend. Security: New 16-digit # in secs. Compromised? Delete instantly—no breach panic. Remote Teams: Issue cards anywhere—real-time tracking. Limits: Cap spend per project. No surprises. Cancel:

Hey Morphers! Katrena @StudioMFin here—your small biz money coach. Subscription vs. One-Time purchase Frequency? Cash-Flow Vibes & Math They want your card + amnesia. Remember you run the show. Quick Rule High use + proven ROI → SUB. Low use/untested → BUY ONCE or BYE.

Stop wasting hours on content that doesn't convert! AI = Efficiency Drafts in <1 min Repurpose like a pro Trendy topics on lock Manual = Authenticity Your real client wins Hard-earned insights Credibility AI can't fake BEST HACK: Integrate, don't isolate How do

Aye-oh, it's Friday!!! Let's finish our week up well. Today I want to draw attention to the other side of your business success - your lifestyle. As we grow our businesses, are our lives and lifestyles rising to the same levels so we really don't enjoy the full increase?

You decided that you don't want to use a big bank for your business account. What are the alternatives. I bring to you Found and Relay Bank. Check out this video and their websites and be informed! Give your 💲a good 🏠. Until we meet, keep working on the change.

You did it! You found your perfect location and you are with the lender to review your options. You are presented with an ARM and a Fixed rate. What are the important parts to know? You know I got you!! Don't forget to DM me with what you decide. "ARM" or "FIXED " Until

What are we deciding today?? Should we hire in house or outsource a particular role or skill? There may be a short decision tree to help us figure that out. Let me know your thoughts. AND... lest you think I forgot what I said, below are the promised project management

Daily Decision #28!! Should you expand to a small business or master the side hustle? 5 questions to answer today that may help you sort it out. We are off to the races for another awesome week!! Until we meet, keep working on the change. #businessdecisions #hustle

It's Friday, Morphers!! You successfully made it through the week. Cheers to you!! But before we sail off into the weekend, there's one more decision to make - cable or streaming? 📺 Cost winds are changing... are you changing with them? I want to know! So, listen first,

Let's make a decision today!! How are we going to fund our business? Seek out lending options or go with an investor? What option will work for you and what are you required to contribute or provide to receive the funds? Let's dive in! 💯 Until we meet, keep working on the

What's up, Morphers!! Feel the pain or take the points?? That's today's daily decision. Did you know that people can experience a bit of pain when they use cash, causing them to use it less. Using credit, not so much. What does that mean for your and your business? Gotta

Good day, Morphers! Today's daily decision is the power of APR and APY. Money running away from you, or money working for you. Make a balanced decision and be clear about how you will utilize the terms. Let's talk! 📣 Until we meet, keep working on the change.