PODCAST · business
Her Profit Era
by Cindy Kumar
What happens when a CPA & Fractional CFO tells the truth about what it takes to scale, build wealth, and protect your profit? Welcome to Her Profit Era with Cindy Kumar. On solo episodes, Cindy brings her CFO mindset straight to you—sharing honest business struggles while breaking down the financial strategies and growth frameworks she uses to advise private clients. On guest episodes, she interviews elite performers—from Dragons’ Den insiders and 9-figure founders to pro athletes and top experts. If you're ready to own your numbers, and scale a life you actually like, hit subscribe.
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167
The Reality of Running a Beauty Business: Cash Flow, Growth & Lifestyle with Zularie Montiel | Ep 179
In this episode, Cindy is joined by Zularie Montiel, a licensed esthetician, beauty entrepreneur, educator, and coach for beauty business owners.Zularie has spent over a decade in the beauty industry building and operating service-based businesses, starting from hands-on esthetics work and growing into running and scaling within the salon space.More recently, she’s expanded into coaching, supporting other beauty professionals with cash flow, structure, and the business side of running a service-based brand.In this conversation, we break down the reality of running a beauty business—what cash flow actually looks like day to day, how operations shift as you grow, and what it takes to build something that can sustain both demand and lifestyle over time.We also talk about her personal shift around health and lifestyle—taking better care of herself, prioritizing her energy, and how that has influenced the way she shows up in business.Connect with Zularie: InstagramConnect with Cindy: Instagram | Apply for CFO on Call
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166
People Can Feel When It’s Not Real: Why Authentic Connection Matters | Ep 178
This episode breaks down something that’s showing up everywhere right now—interactions that look like connection on the surface, but don’t actually feel real underneath.Whether it’s online conversations, networking, or everyday engagement, people are becoming highly sensitive to tone, intent, and energy. And the truth is, most can tell when something is being done with an agenda versus when it’s coming from genuine interest.This isn’t about strategy or sales. It’s about human behaviour. When communication feels performative or transactional, trust drops instantly—even if the words are technically “right.”Cindy shares observations from her own experience navigating online spaces and why she has become more intentional about how she engages, who she listens to, and what kind of interactions she wants to be part of.At its core, this is about rebuilding something simple that’s getting lost online: real connection, without an underlying motive.Connect with Cindy: Instagram | Apply for CFO on Call
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165
Deciding Whether to Have Kids with Michelle Tran | Ep 177
In this episode, Cindy is joined by Michelle Tran for an honest conversation about one of the most personal decisions in life: whether or not to have children.Michelle shares her perspective on choosing not to have kids, what influenced that decision, and how she’s navigated questioning expectations that are often assumed rather than consciously chosen.They also talk about autonomy, identity, and what it looks like to build a life based on personal clarity instead of external timelines or pressure.This is a conversation many people find themselves having at different points in their life—whether they’re actively deciding, reconsidering expectations, or simply wanting to understand what a more intentional approach to life decisions can look like.This isn’t about convincing anyone of a position. It’s about creating space for clarity, honesty, and choice in a decision that looks different for everyone.Connect with Michelle:InstagramConnect with Cindy: Instagram | Apply for CFO on Call
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Q2 Update: Intentional Growth | Ep 176
In this Q2 update, Cindy shares what she’s learned from a busy tax season, a slower summer pace, and the shift toward more intentional business growth. She talks about aligning her marketing, refining her process, and creating more space for what feels right in work and life.Connect with Cindy: Instagram | Apply for CFO on Call
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163
How to Create Viral Organic Content with Kaila Uli | Ep 175
In this episode, Cindy speaks with Kaila Uli, a content strategist and educator whose clients have gone viral through organic content.Kaila works with entrepreneurs to create content that actually performs on social media, focusing on hooks, messaging, and clarity to turn visibility into consistent growth.In this conversation, she breaks down what she’s seeing across social media right now, why some content consistently goes viral while most gets overlooked, and what separates strong-performing content from everything else.We also talk about common mistakes business owners make with their content, how to think about social media more strategically, and where tools like ChatGPT fit into the content creation process.This is a practical conversation on organic growth, content strategy, and what actually drives attention online.Connect with KailaInstagram | WebsiteConnect with Cindy: Instagram | Apply for CFO on Call
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Why Your Content Feels Random (And How to Fix It With a Real System) | Ep 174
This episode breaks down how Cindy actually thinks about content behind the scenes—not as posting, but as a structured extension of how Cindy runs her business.Cindy walks through the three core pillars shaping everything she creates:First, how Cindy maps content directly to the client journey—from first touchpoint through to long-term work. This includes the real process she uses, the strategy she’s building, and the recurring questions and mistakes she sees across clients that consistently signal deeper financial gaps.Second, Cindy pulls from her own background—corporate experience, education, credentials, and the lessons that shaped how she operates now as a CFO. Before entrepreneurship, there were patterns, systems, and constraints that still influence how Cindy thinks about business today.Third, Cindy shares the simplest but most effective system she uses to stay consistent: a running Google Doc where she continuously dumps ideas throughout the week. No overthinking, no pressure to create in the moment—just capturing insights as they come up in real time.This is the difference between content that feels random and content that builds authority over time.Connect with Cindy: Instagram | Apply for CFO on Call
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161
Business Ownership, Cash Flow & Exit Strategy with Terry Sidhu | Ep 173
In this episode, Cindy is joined by Terry Sidhu, Partner at AP Capital, to break down what business ownership actually looks like across multiple industries and income streams.Terry brings 30 years of experience across real estate, private lending, property management, and a long-standing notary practice. That range gives him a very practical view of how cash flow, hiring, and structure actually show up inside real businesses—not theory.We talk about how cash flow drives decisions across different ventures, what it takes to manage teams and operations at scale, and how strategy shifts when you’re balancing multiple businesses at once.We also get into working with a spouse in business, how relationships influence opportunity in real estate, and what changes when everything runs through one financial system.This is a grounded conversation on ownership, cash flow, and the realities of building, scaling, and sustaining multiple businesses over time.Connect with Terry:Email | WebsiteConnect with Cindy: Instagram | Apply for CFO on Call
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Client Stories: Saving Thousands in Taxes | Ep 172
In this episode, I’m sharing real client stories and examples of how proactive tax conversations and strategy saved thousands in taxes.I talk about:a client who saved $3,000 from a 30-minute conversationa client who saved $24,000 after missed write-offs were uncovered during a tax audita client who changed from self-employed to incorporated and saved $13,000These are the types of conversations most business owners don’t realize they should be having throughout the year.This episode is a reminder that tax savings usually don’t come from “magic write-offs.” They come from planning, structure, timing, and having the right conversations before it’s too late.Connect with Cindy:Instagram | Book Recommendations | Book your profit strategy call | Linkedin
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159
How Private Lending Works in Canada with Terry Sidhu (AP Capital) | Ep 171
In this episode, Cindy is joined by Terry Sidhu, Partner at AP Capital, to break down how private lending works in Canada and why more investors are starting to pay attention to it.Terry explains what private lending actually is, how deals are structured, and what investors are buying into when they lend money outside of traditional banks or public markets.We also talk about risk, return expectations, and what needs to be understood before participating in this space—especially for those looking for income-focused alternatives beyond stocks or direct property ownership.If you want a clear, practical breakdown of how private capital moves and how returns are generated in private lending, this conversation gives you the foundation.Connect with Terry:Email | WebsiteConnect with Cindy: Instagram | Apply for CFO on Call
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158
Why the Timing of Your Bookkeeping & Tax Planning Matters | Ep 170
In this episode, I’m talking about why the timing of your bookkeeping, year-end work, and tax planning matters more than most business owners realize.I share a real client situation where:her year-end was July 31stbookkeeping was not being completed quarterly or on timeincome was underestimated during planningand she ended up owing more taxes than expectedThis is something I see often with founders.They think tax planning only happens at year-end, but if the bookkeeping is behind or inaccurate, the planning is already off.This episode is a reminder that good financial decisions come from current numbers, not guessing months later.Connect with Cindy:Instagram | Book Recommendations | Book your profit strategy call | Linkedin
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157
Debt, Lifestyle Creep & The Truth About Financial Freedom with Deacon Hayes | Ep 169
In this episode, I sit down with Deacon Hayes to talk about something most people avoid until it becomes a problem: their relationship with money.We get into how Deacon went from debt and financial stress to building a business around helping people create real financial freedom — not just the version social media sells.We talk about:How he first got into the world of personal financeThe mindset shifts that changed his financial lifeThe truth about “retiring early” and what people misunderstand about itLifestyle creep and why higher income doesn’t always equal wealthThe habits quietly keeping people financially stuckPractical money advice people can actually start using todayThis episode is a mix of strategy, mindset, and honest conversation around money, freedom, and building a life that actually feels sustainable.Connect with Deacon:Website | InstagramConnect with Cindy: https://www.itscindykumar.com/
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156
I Failed My CPA Exams And Kept Going | Ep 168
This is something I don’t really talk about.But I didn’t pass everything the first time.There were exams I failed during my CPA journey… and at the time, it felt heavier than I expected.Because when you’re used to doing well, failing hits differently.You start questioning yourself.Wondering if you’re behind.Or if you’re even meant to be doing this.In this episode, I’m just talking through that part of my journey.What it felt like in the moment, how I moved through it, and why I didn’t let it stop me.Because looking back now, none of that actually defined where I ended up.If anything, it made me more grounded in how I show up today.If you’re in a season where something didn’t go your way, or you feel like you’re behind… you’re probably not.You’re just in a part of the process that doesn’t get talked about enough.Connect with Cindy:Instagram | Book Recommendations | Book your profit strategy call | Linkedin
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155
Money Talks with Farrah Turcotte | Ep 167
In this episode Farrah Turcotte and I are talking about the stuff women business owners don’t talk about enough when it comes to money.Not just making money, but what’s actually happening behind the scenes.We get into our own experiences with debt, financial stress, figuring out how to pay ourselves properly, RRSP matching through a corporation, health benefits, and learning how to build real financial stability while running a business.This conversation felt more like two women sitting down talking honestly about money, mistakes, pressure, and the things we wish we understood sooner.Connect with FarrahConnect with Cindy: https://www.itscindykumar.com/
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154
She Took Money Out of Her Business Tax-Free | Ep 166
This is just a real client story of how we moved money properly.She had money sitting in her corporation, and instead of just pulling it out and creating more tax, we looked at what was already there.There was a shareholder loan balance.So she was able to take that money out without creating additional tax because it was already hers.From there, we moved it into her TFSA and put it into private lending earning around 7%.And now that money is just growing tax-free.This episode isn’t a breakdown or teaching.It’s just walking you through what this actually looked like in real life, and how small decisions like this can make a big difference over time.Connect with Cindy:Instagram | Book Recommendations | Book your profit strategy call | Linkedin
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153
How Sandra Parker Built Justine Haines & Changed the Conversation Around Periods | Ep 165
In this week's guest episode I sit down with Sandra Parker, founder of Justine Haines, to talk about entrepreneurship, women’s health, and changing the conversation around periods.Sandra shares how she built Justine Haines from an idea during the pandemic into a growing brand focused on confidence, comfort, and breaking the stigma around period care. We talk about the realities of building a business as a woman, balancing growth without burnout, and why more women need open conversations around their bodies, health, and self-confidence.We also dive into:The inspiration behind Justine HainesBuilding a purpose-driven brandConfidence, hormones, and women’s wellnessEntrepreneurship beyond hustle cultureCreating products that actually support womenPromo code: CINDY13 For 13% off everything and free shippingConnect with Sandra Parker & Justine Haines:Website | InstagramConnect with Cindy:https://www.itscindykumar.com/
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152
Nothing Good Comes From Rushing Things | Ep 164
This is something I had to learn the hard way.Trying to rush things.Trying to force results.Trying to get to the next level faster than I was actually ready for.On the outside, it can look like things are working.But underneath it, the decisions aren’t grounded.And over time, that shows up.In this episode, I’m just talking through what rushing and forcing things has looked like for me, and what I see in other businesses now.Because it’s not always obvious in the moment.It just feels like you’re “moving” or “doing more.”But nothing is actually building properly.This isn’t about slowing down for no reason.It’s about doing things in a way that actually holds.Connect with Cindy:Instagram | Book Recommendations | Book your profit strategy call | Linkedin
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What Happens When Success No Longer Feels Right with Jaspreet Gill | Ep 163
In this episode, I sit down with Jaspreet Gill, high-performance coach and founder of Piloted Performance, to talk about the moment she realized the career she built at Microsoft no longer felt aligned — even though everything looked successful on paper.We talk about the pressure many high-achieving women feel to keep performing, people-pleasing, and following the “safe” path, even when something internally feels off. Jaspreet shares her journey of leaving corporate, rebuilding her identity, and creating a career that actually feels fulfilling.We also dive into the “good girl” guilt, confidence, trusting yourself, career transitions, and how she now helps ambitious women make aligned decisions, lead with confidence, and step into bigger opportunities without second-guessing themselves.If you’ve ever felt torn between the life you built and the life you actually want, this episode is for you.You can also download Jaspreet’s free resource, the Aligned Language List, to help shift the way you speak to yourself and move with more confidence and clarity.Connect with Jaspreet:Instagram | Linkedin | Aligned Language ListConnect with Cindy:Instagram | Book Recommendations | Book your profit strategy call | Linkedin
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150
The Boring Money Habits That Changed My Life | Ep 162
In this episode, I’m talking about the boring money habits that have made the biggest difference in my finances and business.Not the flashy stuff. The small things I do consistently that help me feel in control financially.I share habits like:looking at my bank accounts every daymoving GST money right away instead of pretending it’s minepaying credit cards every weekchecking numbers regularlystaying aware of what’s coming in and going outNone of this is exciting.But I honestly think a lot of financial stress comes from avoidance.Avoiding the bank account.Avoiding the numbers.Avoiding what’s actually happening.The more connected I became to my money, the more control I started to feel.Connect with Cindy:Instagram | Book Recommendations | Book your profit strategy call | Linkedin
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149
Building Sit Pretty Events with Megan Milacic | Ep 161
In this episode, I sit down with Megan Milacic, founder of Sit Pretty Events, to talk about how her business started and what the journey of building a brand from the ground up has really looked like. We talk about the early stages of entrepreneurship, taking risks, figuring things out as you go, and the reality behind building a business in the events industry.Megan shares the real side of founder life, the lessons she’s learned along the way, and what it’s taken to grow Sit Pretty Events into what it is today.If you’re building a business, navigating growth, or trying to trust yourself more as a founder, this episode is for you.Connect with Megan:Instagram | WebsiteConnect with Cindy:Instagram | Book Recommendations | Book your profit strategy call | Linkedin
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148
What Losing 25 lbs in 90 Days Taught Me About Discipline | Ep 160
In this episode, I’m talking about what losing 25 lbs in 90 days during tax season taught me about discipline, self-trust, and changing habits.This was the busiest and most stressful season in my business. Long days, pressure, deadlines, and honestly… the exact time of year I would normally emotionally eat, numb out, and tell myself I’d “start later.”But this time was different.I got to the point where I was tired of my own excuses and knew something needed to change.In this episode, I talk about:emotional eating during stressful seasonsdiscipline vs motivationfollowing the plan even when you don’t feel like itthe mindset shifts that helped me stay consistentwhy the biggest transformation was mental, not physicalbecoming someone who finally does what she says she’s going to doI’m still on the journey, but this experience changed the way I look at discipline, business, and myself.Connect with Cindy:Instagram | Book Recommendations | Book your profit strategy call | Linkedin
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147
Building Taste the City with Joanna and Melissa | Ep 159
I sat down with Melissa and Joanna, co-founders of Taste the City, to talk about what it’s really like building a business together, the behind-the-scenes of creating unique dining experiences, and what happened after landing a deal on Dragons' Den with Brian Scudamore.We got into:how Taste the City startedwhat people don’t see behind running an experience-based businessthe reality of growth after Dragons’ Denfounder moments and lessons learnedthe money side of business and navigating growth behind the scenesThis episode honestly felt like sitting down with girlfriends who also happen to be building something really cool.If you’ve ever wondered what happens after Dragons’ Den or what it actually looks like to grow a business while figuring things out in real time, you’ll love this one.Connect with Joanna & Melissa:Website | InstagramConnect with Cindy:Instagram | Book Recommendations | Book your profit strategy call | Linkedin
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3 Lessons Tax Season Taught Me About Business, Boundaries & Burnout | Ep 158
In this episode, I’m sharing 3 lessons this tax season taught me about business, boundaries, pressure, and alignment.This year felt different.It reminded me that you don’t have as much control as you think, that some revenue is heavier than it’s worth, and that other people’s stress and energy can impact you more than many business owners realize.I also open up about:letting go of clientschanging the direction of my firmthe emotional weight of tax seasonwhy I no longer want to build my business around heavinesslearning to trust my intuition as a business ownerThis is a more honest conversation about entrepreneurship, leadership, and what happens behind the scenes during one of the hardest seasons in business.Connect with Cindy:Instagram | Book Recommendations | Book your profit strategy call | Linkedin
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What Building a Creative Career Really Looks Like with Summan Kandola | Ep 157
In this episode, I’m joined by Summan Kandola — documentary filmmaker, producer, and transformational mindfulness coach.We talk about what building a creative career really looks like behind the scenes — from film production and entrepreneurship to mindset, money, burnout, and identity shifts.This conversation dives into:navigating inconsistent incomebuilding confidence in your workbalancing creativity and pressurebreaking limiting beliefsand what success actually feels like as you growA grounded and honest conversation for creatives, entrepreneurs, and anyone trying to build a life that feels aligned while navigating the realities of business and personal growth.Connect with Summan:Instagram | PodcastConnect with Cindy:Instagram | Book Recommendations | Book your profit strategy call | Linkedin
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How I Plan My Week (Sundays + Time Blocking) | Ep 156
I don’t go into the week hoping things get done.I plan it.In this episode, I’m walking you through exactly how I structure my week so I’m not reacting to everything as it comes up.I do this every Sunday.I look at what’s coming up, what actually matters, and where my time needs to go.Because if you don’t decide that ahead of time, your week just fills up for you.I’m talking through:How I map out my week before it startsHow I time block things based on prioritiesand how I make sure I’m not just busy, but actually moving things forwardIt’s simple, but it’s made a big difference in how my business runs day to day.Connect with Cindy:Instagram | Book Recommendations | Book your profit strategy call | Linkedin
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Keep, Kill, Tweak: How I Find Expense Leaks in Your Business | Ep 155
Most people think they need to make more money.But when I look at their numbers, the money is already there.It’s just going in too many directions.In this episode, I’m walking you through something I do with my clients all the time.We literally go line by line and ask:Do we keep this, kill this, or tweak it?Because once you actually look at your expenses properly, you start to see what’s going on.What’s actually needed.What’s just there out of habit.And what’s quietly adding up every single month.I’m not telling you to cut everything.It’s more about getting honest with what’s worth it and what’s not.If your business is making money, but it still feels tight, this is probably where you need to look.Connect with Cindy:Instagram | Book Recommendations | Book your profit strategy call | Linkedin
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ABOUT THIS SHOW
What happens when a CPA & Fractional CFO tells the truth about what it takes to scale, build wealth, and protect your profit? Welcome to Her Profit Era with Cindy Kumar. On solo episodes, Cindy brings her CFO mindset straight to you—sharing honest business struggles while breaking down the financial strategies and growth frameworks she uses to advise private clients. On guest episodes, she interviews elite performers—from Dragons’ Den insiders and 9-figure founders to pro athletes and top experts. If you're ready to own your numbers, and scale a life you actually like, hit subscribe.
HOSTED BY
Cindy Kumar
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