Why Q4 is the Best Time to Plan Your 2027 (And How to Do It) | Ep 192

Q4 is my absolute favorite time to go into hibernation mode, tune out the outside noise, and actually go inwards to plan ahead. If you’re tired of being reactive, stressing over random expenses hitting your bank account, or feeling like you can't even take a vacation without your business completely stopping, this episode is for you. I’m walking you through the exact process I used during a happy hour last week to map out my numbers on a single Google Sheet—and why you need to look at your expenses before you even touch your revenue goals. Here’s what we’re diving into: The Expense-First Strategy: Why listing your line-by-line expenses first takes all the pressure off and makes hitting your targets simple math. Building a Real Cash Reserve: How to calculate your monthly burn rate so you can take a month off without panic launching. Cleaning Up Your Client List: Asking the hard questions about out-of-scope work, price increases, and letting go of clients that give you anxiety. Taxes & Paying Yourself: How to set up simple systems for corporate taxes, GST, and giving yourself a consistent personal paycheck. Reverse Engineering Revenue: How knowing your base costs tells you exactly how many clients or packages you actually need. The Bottom Line:You don't need to spend every single dollar your business makes. Pull up a blank spreadsheet, get clear on what it actually costs to run your business, and let's set up the 55-year-old version of you for success. Did you fill out your sheet? Take a screenshot, send me a DM on Instagram, and let me know how it went—I’d love to take a look and give you some feedback! Connect with Cindy: ⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠Apply for CFO on Call