Keep What You Earn

28/11/2025

If you wait till the numbers are perfect you’ll wait a very long time.

The idea of a CFO is to make sense of the data even when imperfect.

The key is velocity of actions and decisions with just enough to take the first step and collecting the right data to know when to pivot.

12/11/2025

Sure it may have been enough to get you here, but it won’t unlock next level growth.

If you’re not having multiple conversations about your finances per month you could be falling behind in your growth and progress toward your goals.

16/10/2025

Now that the sun has set on 2024 tax season, if you’re looking for a new opportunity with a fast growing firm making an impact for small business owners, we are going to be expanding our services team in the coming months at Keep What You Earn Co.

Currently hiring for a Fractional Controller and will soon be hiring an Accounting Specialist.

14/10/2025

KWYE is !

Posted 3:04:14 AM. Fractional Controller (Client Serving)Full-Time | Remote | Reports to Fractional CFO(No offshoring,…See this and similar jobs on LinkedIn.

13/10/2025

If you have more than one location and you’re looking at one big P&L, you’re not seeing the full picture.

Here’s what happens: one location might be performing really well while another is quietly draining cash. But because everything’s blended together, it looks like everything’s fine. That’s how profit leaks go unnoticed.

When you break out your financials by location, a few important things come into focus.

You see what’s actually working.
Each location has its own mix of labor costs, pricing, and customer behavior. Looking at them side by side shows you where margins are strong and where you might need to adjust.

You make better growth decisions.
If one location is running at a 25% margin and another is barely breaking even, that tells you exactly where to invest more — and where to step back.

You manage shared overhead more intentionally.
Some expenses, like admin salaries, marketing, or software, support all locations. Those should be tracked separately and allocated fairly, so one location isn’t carrying the weight of another.

You set yourself up for scale or sale.
If you ever want to grow, bring on investors, or sell, they’ll all want to see performance by location. Having that data ready makes you far more prepared and credible.

Bottom line: each location is its own mini business. When you track them that way, you gain clarity, control, and confidence in every decision you make.

04/10/2025

Opening your first location is about proving your concept.

Your second is about showing you can repeat success.

But your third location? That’s the turning point.

At location three, you’re not just opening another storefront. You’re building a blueprint for scale - the systems, financial strategy, and leadership approach that can take you from small business to true enterprise.

And here’s the truth: the third leap is where most owners hit the wall.

💸 Cash flow strains across multiple locations
👥 Staffing and leadership challenges
📊 Complex forecasting and resource allocation
🏦 The need to attract capital or financing

This is where CFO-level financial strategy becomes non-negotiable. Because the decisions you make here don’t just impact one store - they set the tone for every future location.

At the third location, you’re no longer just running a business. You’re building a brand.

You’re creating processes and systems that scale.

You’re positioning yourself for expansion, or even a future exit.

If you’re preparing to open that third location (or already there), now is the time to bring clarity and strategy to your financials. Because this isn’t just another step forward — it’s the foundation of the brand you’ve always envisioned.

Curious how other multi-location owners are navigating the third-location leap? Drop a comment or DM us.

29/09/2025

When it comes to hiring for finance, it’s just an obvious choice…

Fractional is a win-win hire. You get the expertise at a fraction of the cost, especially considering training and benefits.

28/09/2025

That $200 facial? After materials, labor, and overhead, your true profit is often closer to $40–$70.

This is why busy ≠ profitable
and why knowing your real numbers is non-negotiable

28/09/2025

When I see a business owner making decisions without using their numbers as the backbone, it’s like watching someone pull the lever of a slot machine over and over again.

No matter what has happened in the past, every decision you make has a new likelihood of success or failure. Only when you understand the reasons things have worked in the past can you repeat the success and avoid the failure.