AI for Small Business Finance: Make Better Decisions Faster | Tim Krulia, Savvy CFO

Mike Hambright (00:33)

Hey everybody, welcome back to the show. really excited to have my good friend Tim Krulia here with us today. We’re going to be talking about tech and what’s kind of out there in the world that you can utilize to get more visibility in your business. I’m going to have Tim introduce himself in just a second here, but he helps a lot of folks from the accounting and finance side. And a lot of entrepreneurs are just flying by the seat of their pants, as probably a lot of people listening to this know they’re going to identify with that. Tim works with a lot of clients that identify with that as well. But there’s a lot of tech out there today to help you get more visibility and more insights into your business.

And probably a lot faster, certainly, than than historically done. So we’re gonna hopefully leave here today with some tips and tricks on how you can get a little bit more visibility in your business. So Tim, welcome to the show.

Tim Krulia (01:10)

Thanks, Mike. It’s a pleasure to be here.

Mike Hambright (01:12)

Yeah, good to see you, buddy. And so let’s before we kind of jump into this, tell us a bit more about your your background and a little bit more about what you do.

Tim Krulia (01:19)

Sure. Well, let’s see. I currently live in the Atlanta area in Georgia. been here for gosh, it’s gonna be going on twenty years before I know it. I originally grew up in Ohio and that’s where I got my d degrees in, you know, finance and accounting and business. And then I I got into real estate, right? I was a real estate investor full time, moved down to Charleston, South Carolina and

Got to go flip houses and do all kinds of deals. did that up until the the Great Recession and then moved to Atlanta and went back into finance and accounting and eventually started my own business. And man, I’ll tell you, back then, okay, there was no such thing as fractional CFOs. Like nobody would knew what that was. That now it’s a very common term.

Back then it was kinda like I had to sit there and explain it for like two minutes to a person. They want to know, what do you do? I’m like, Well, I do finance and accounting with lots of different companies that are internet based. And they’re like, What? How does that even work?

Mike Hambright (02:18)

Yeah.

Tim Krulia (02:18)

but now it’s just commonplace. a lot of more people are getting into it because it’s great. You know, you can work from home, you can work with anybody across the country.

you get to meet a lot of really cool people like you, Mike. We’ve met at various masterminds over the years and we know a lot of the same folks that have all become our friends, colleagues.

Mike Hambright (02:36)

Mm-hmm.

Tim Krulia (02:37)

And you know, it’s it’s a great it’s a great place to build a career and you know, I’m really lucky for that. And as as things have changed and developed, I think that that’s kinda gonna lead into what we were gonna talk about today a little bit, is that

You know, back in the day when it it was it was harder to work remotely and have clients all over the place, you know, before everything was on the cloud, right? Before AI, before all this stuff. you know, there were there were restrictions and all these steps as we moved along, as technology has changed and improved, you know, it’s it’s benefited us. Like

There’s the pre COVID versus the after COVID, right? Where everybody started working from home. Okay, well, we’re just like, hey, welcome. We’ve been at doing this for a decade. This

Mike Hambright (03:23)

Yeah, you you’ve been doing it for a long time.

Tim Krulia (03:25)

is what we do. This is how we do it. And yeah, so that was all these little adjustments. And it made it actually that paradigm shift benefited us quite a lot.

Because now it even makes things easier and faster and more efficient for us to do the work that we do. So yeah, so that’s us. We do accounting work, we do financial work. We we’re we’re fractional CFOs for a bunch of different companies, all mostly internet based. and that that’s that’s my background kind of in a nutshell.

Mike Hambright (03:48)

Yeah.

there’s been an uprising of of all sorts of fractional services over the years. I think probably one of the very first was in the finance and accounting area. And and you know, the reality is most small businesses can’t afford or justify having a full time CFO on staff and maybe even a full-time accountant, right? And so I feel like with small businesses, you know, and usually and I I I I remember in the early days of real estate investing, I’m when I was, you know, when I started coaching people.

I would find out some of them like had shoe boxes full of receipts and stuff and the end of the year they’re like taking it with their accountant and that my you know my wife, that like she did not that did not compute, right? For anybody that’s a

Tim Krulia (04:26)

Yeah.

Mike Hambright (04:26)

finance or accountant person, like, holy cow. But the truth is, is you know, a lot of small businesses are out there just trying to make the business work and they’re like, my accountant will figure this out at the end of the year and

So I think that for companies like yours have provided a lot of clarity to entrepreneurs because quite frankly, if you don’t have and by the way, I have a finance background as well. So we think a little bit more alike. But the truth is and it’s benefited me as an entrepreneur because I just think more about planning, I think more about clarity to like making better decisions. Like you need to understand where your business is financially, certainly from a cash perspective, to be able to even run your business on a day to day basis. So for those that have not been doing that, you’re missing out and

You’re only hurting yourself, but yeah.

Tim Krulia (05:04)

Yeah, you know, you spend enough time in this, you come across so many different types of companies. and they come to you, some of are pretty well organized, you know, you get

kinda lucky sometimes and there’s these well-oiled machines and you just come in and you and then you just take over something that somebody who legit knew what they were doing was running it and then you can assume that and and level it up hopefully. Some people come to you and it I mean it’s like a

a bowl of spaghetti noodles just all over the place

Mike Hambright (05:35)

Yeah.

Tim Krulia (05:35)

and you’ve got seven different LLCs and they each have multiple bank accounts and they’re all just intertwined with member draws and all these different transfers of intercompany funds and it’s like, well, guess what? First project we’re gonna do is we’re gonna straighten everything out. And that might take a little while, but we’ll get there. And eventually you get there and then you start building the systems.

Right. And you get to a place where you get into a nice routine. and those companies are reporting their taxes on time and the IRS loves them and our people know exactly what they’re doing. There’s SOPs and we’re just it’s trucking along in a nice fashion. And you never know what you’re gonna it’s like, what is that, the force scump thing? You never life’s a box of chocolates.

I think accounting

Mike Hambright (06:21)

Yeah.

Tim Krulia (06:22)

can be like that when you start working with a new entrepreneur. It’s it’s like a box of chocolates. You just open it up and you don’t just really don’t know what you’re gonna get until you get under that hood.

Mike Hambright (06:30)

Right.

Tim Krulia (07:19)

and some people

Mike Hambright (07:19)

Yep.

Tim Krulia (07:19)

don’t even have a QuickBooks account when they come to you. Yeah. And

Mike Hambright (07:23)

Yeah, yeah, it’s crazy. I

I would say, finance and accounting is the dashboard. I mean, if you’re if you were if your business is a race car, like that’s your dashboard of telling you what’s going on, right? And so for those that are not running that way, I mean, God bless you, because you don’t have any gauges to know what’s happening in your business. finance and accounting is the language of business. Like so you might do a thing and we all do a thing in a business, but if you don’t have a dashboard to know what’s going on.

then you’re driving blind it’s just a matter of time before you crash and burn if you haven’t already.

Tim Krulia (07:51)

Yeah, it starts with accounting, right? And that’s the foundation. And then from there, for me, that’s what I like to be able to look at. I like to be able to look at the financial statements and let them tell me a story. All right. if you look at trends, if if you look at the history of the company, it can often tell you where it’s headed. if you take what you learn in those financial statements and you do the bookkeeping the right way.

Then you can take that really easily to that next level of the financial analysis. And once you’re in that world, now you can start to be like, gosh, okay, well, let’s model out what it is that you, the entrepreneur, have as your vision. Let’s model that out, right? Let’s just start with a blank Excel spreadsheet, build a model of exactly what your business is and what you want to do. But we have to make sure that we’re staying true to the KPIs and things that we’ve learned from.

the the base accounting, right? From historical KPIs, from what your trends look like, so that we’re not just like making something up that’s never going to happen. Okay.

Well

Mike Hambright (08:50)

Right.

Tim Krulia (08:51)

very, very unlikely, let’s just say. So if you do that, then you can get into really fun stuff like scenario analysis, right? And you say you were talking about gauges, if you want to be able to

Take your business from where it is right now to this other loftly level, this other place. Well, there’s generally steps. It doesn’t look like, overnight, you just wake up and boom, it happened. maybe you can do a launch, maybe you can change your business, maybe it come could come quickly, but there’s generally a lot of work that has to happen first and a lot of planning.

Mike Hambright (09:19)

Right.

Tim Krulia (09:20)

It all has to get hit in the right spots at the right times.

You have to know what your expenses are gonna be to be able to support those kind of revenues that you’re generating. You have to know that, okay, if I’m gonna be able to, I don’t know, let’s say you’re doing a business that’s mostly webinars, all right, and you don’t even know what your ad spend is to fill them, you don’t know how much your registration average is, you don’t know what our ROAS you’re getting, that’s a great start. Okay, let’s go find

Mike Hambright (09:43)

Hmm. Yeah.

Tim Krulia (09:45)

out what those are.

All right. And then we can build a model around where you want to get next.

Mike Hambright (09:50)

Yeah.

Tim Krulia (09:51)

so that’s kind of the fun things that happen when you play around with accounting and finance.

Mike Hambright (09:56)

Yeah. Yeah. I would say I think that this goes hand in hand with something that I’ve been thinking a lot about and I talk a lot about is I and I kinda utili I think about like Robert Kiyosaki’s cash flow quadrant for those that are familiar with that is like you start off as an employee, then you go to self-employed, self-employed box is the lower left, then a business owner, then a passive investor, true investor where your money is just making money for you. You don’t y you don’t have to do anything. and I think there’s a ton of entrepreneurs that are stuck in that self-employed box.

might be doing okay and they might be making more money than they’ve ever made before. But it’s mostly through their hustle. Like they’re just hustling hard and, you know, which the bad part of that is that if they get sick or they want to go on vacation or they want to take time off or whatever, the business suffers from that, right? And their family suffers from it. And so

Tim Krulia (10:38)

Wasn’t there a wasn’t there a joke or something?

Like you traded your forty hour a week job for a hundred hour a week to be some what some some like yeah,

Mike Hambright (10:46)

Yeah. Right. Yeah.

Tim Krulia (10:49)

you mean.

Mike Hambright (10:50)

But I think what one of the things that you just shared is like a lot of folks get comfortable there because they know that they know like their effort is a known quantity. Like if I do this, if I just do this, then these are my outputs. But when you start to add a team, add people in place, try to scale your business, not only do you need good people and smart people, you really know need to understand your metrics more than ever because you can’t

scale your marketing. You can’t really understand how every decision’s impacting you financially unless you have absolute clarity in your finance and accounting and your metrics.

Tim Krulia (11:24)

Yeah, very true. I think that, you know, an entrepreneur needs to figure out and learn how to get out of their own way. They need to figure out how do I replace myself with okay, fine. Yes, small business owners have to wear a lot of hats. But hey, you want any kind of actual freedom with your own time, you’re gonna need to figure out a way

To let other people or other systems handle as many of those as possible. And sometimes those other people who are specialists in those areas can do it better than you can. So let them, you know, get out of your own way. and so, I think that, in the conversation of technology in in the finance and accounting world, that’s a lesson I’ve had to kind of learn the hard way.

and so that’s what we’ve been doing. And I’m really I’m really excited about what’s happening. Okay. is it okay if I start to talk a little bit about our experience with developing internal software and and using AI and technology and our business?

Mike Hambright (12:19)

Yeah. And let’s and let’s kind of preface

it by saying, you know, I think one of the things historically is so first off, everybody listening, you gotta have clean books because like garbage in, garbage out, right? Like you kind of has to start with clean books. But I would one of the things that I would say, and you can talk to this a little bit more, is historically, you if you’re using let’s just say you’re using QuickBooks for your accounting, well, it doesn’t really communicate with your CRM, it doesn’t communicate with other softwares. And so we I feel like a lot of us, even if you have really clean systems and books, like the information’s there.

But nobody has the capacity or maybe even the knowledge to get those systems to communicate. until some of the tools like you’re gonna talk about here that you’ve that you guys have built or AI and some of these things that have come along to where all these systems can kind of communicate now and hook together to kind of give you insights like never before. So maybe tell us a little bit more about what you guys are doing.

Tim Krulia (13:05)

You’re right.

it’s very easy to create Frankenstein. and the

Mike Hambright (13:09)

Yeah. Yeah.

Tim Krulia (13:10)

problem with Frankenstein is it wasn’t originally designed to be you know, this one sleek, super efficient machine. It’s a whole bunch of different things that were meant to do different things that get bolted together, and they kind of create this.

This clunky, inefficient robot, right? and you know, if you want to get into it really just really quickly, something that we see all the time is when our clients start creating these Frankensteins with their CRM, for example. They might be like, well, I really think this thing over here is cool, and this thing is really cool. And we’re gonna, you know, they’re gonna start talking to each other via API. And

You know, all this stuff’s happening all the time. Great. Okay, well, guess what? All of those different things cost different amounts of money. Sometimes you stop using them, but you still have them. Right? So you start building

Mike Hambright (13:59)

Mm-hmm.

Tim Krulia (13:59)

all of these expenses and you’re not using them at all. Or new technology comes out where you could spend less for one thing than you’re spending independently for like seven other things that can just replace the whole thing. And it actually speaks.

more clearly and crisply and fastly with your existing CRM. Sometimes you just have to swatch out the whole CRM if that’s the best case. But

Mike Hambright (14:21)

Right. Yeah, yeah.

Tim Krulia (14:25)

it’s true in accounting too, because you look at where we started, like QuickBooks started you would get a disk and load it into your computer. Then we started going through

The desktop versions that you would download, right? off of their s off their websites. Now everything’s online. You know, every like like into it, you know, they’re everything’s moving, it’s it’s like getting rid of the old stuff.

And there are lots of different cool softwares that can plug in directly to it, which is nice because it creates some efficiencies. You and when you’re inside QuickBooks, you can create some rules so that when different kinds of transactions are coming in, they get categorized into the right places and all you have to do is just say, yep, yep, yep, yep. Instead of typing it in, coding it, figuring it all out, applying which class you want to go to, you know, researching because you can’t remember, like we’re just people, you know.

Mike Hambright (15:16)

Right.

Tim Krulia (15:17)

And if you can program something and you can speed it up, now you can get a lot more done in a lot less time. And

Mike Hambright (15:22)

Mm-hmm.

Tim Krulia (15:22)

do it more accurately. Right. And and all that all that adds up to it gets cheaper. Right. So

Mike Hambright (15:27)

Mm-hmm. Yep.

Tim Krulia (15:29)

that’s what kind of the fun things that we get to play around with. we get to try and figure out what’s best.

Mike Hambright (15:33)

I know you guys have you guys

have built some software to ca analyze things more. And you know, for one thing I want to share with the the the people that are listening to this that are not finance or accounting people is this is you you would probably explain you would probably explain this differently than me, but as a finance person, I’ve noted that a I see a lot of entrepreneurs, I obviously work with a lot of high-level entrepreneurs, and they think that kind of finance and accounting is one and the same. and I I’m just gonna say,

It’s not that different than an accountant and then if you’re rehabbing a house, if you’re a real estate investor, like your plumber is not an electrician, and the electrician’s not a tile guy, and the tile guy

Tim Krulia (16:06)

Yeah.

Mike Hambright (16:07)

can’t do a good job on texture. And so, you know, a bookkeeper like could a fractional CFO or a CFO do bookkeeping work? Yeah, probably, but bookkeepers can’t go the other way around, typically, right? They just don’t have the level of experience. And I would also to kind of further say like

I

think accounting is primarily reporting numbers and the historical view of what’s happened. The finance side is a little bit more a planning of what’s to come and budgeting and planning for the future. And so they tend to be different people. And the reason I say all that is I think a lot of times people will hire a fractional CFO service or they’ll hire a bookkeeper or they’ll hire somebody and they think that they can do it all. And they and I’m not saying that they can’t do some level, but they are different animals. Would would you agree with that?

Tim Krulia (16:47)

Yeah, I think you could you could divide it into managerial accounting and financial accounting, where you

Mike Hambright (16:52)

Mm, yeah.

Tim Krulia (16:53)

know financial accounting is gonna be more of your route that you’re taking where it’s like traditional accounting, bookkeeping, and tax, right? Versus managerial accounting is gonna be more like analytics and forward thinking and planning and business development. so I I have a hard time finding

people who are great at both. you know, I’ve talked with other people who own fractional CFO businesses and they struggle with trying to find, great team members that are great at both. and

It’s just kind of like two different mindsets, two different sets of interests, you know, that a person just comes with that

Mike Hambright (17:25)

Yeah. Yeah.

Tim Krulia (17:27)

they naturally they wake up in the morning and they’re wired a certain way. You can’t really you

Mike Hambright (17:30)

Yeah.

Tim Krulia (17:31)

can’t unwire and rewire people very easily. So

Mike Hambright (17:34)

Right, right. And I almost

think that most entrepreneurs, probably most people that are listening to this, they their biggest need is probably the managerial side. Like they need their house in order before they’re planning for the future. Right. And so,

Tim Krulia (17:46)

Yeah.

Mike Hambright (17:47)

and but you know, if your business once your house is in order and once things are running smooth, then you then the future part, the planner

Tim Krulia (17:54)

Yeah.

Mike Hambright (17:54)

part, the person that can help with insights for the future and making better decisions, can

Can start to be integrated and that makes a little more sense. But let’s go back to the tech. So talk a little bit about the technology, like

Tim Krulia (18:02)

And I’ll also

Mike Hambright (18:05)

maybe some of some of what you see that’s out there. Maybe some of what’s, you know, there’s a lot of stuff we’re doing with AI to analyze things now.

Tim Krulia (18:11)

Yeah.

Mike Hambright (18:12)

just literally Claude and Chat GPT and stuff like that. And

Tim Krulia (18:14)

Yeah,

Mike Hambright (18:15)

then you guys, I you guys have built some specific software that helps people get more clarity on what’s happening in their business.

Tim Krulia (19:00)

Yeah, and it’s very

Mike Hambright (19:02)

It’s yeah.

Tim Krulia (19:02)

attractive to take a a big spreadsheet of data and hand it over to the ChatGPT’s Perplexities Claude’s of the world and say, hey, tell me what you see or give ask it a question and then it’ll boom, it’ll push it out back out to you. anytime I do something like that, I still do it the manual way, just to make sure it’s right.

‘Cause sometimes it’s not. Oftentimes it’s not. See there’s a huge risk there and just blindly expecting this newish technology to actually give you something that you should be making decisions on that affect profitability

in your business.

Mike Hambright (19:39)

Yeah, you wanna have an asterisk next to it, right?

Tim Krulia (19:42)

That’s really risk. it’s

Man, it’s attractive though, because it you know, the the idea of just being able to boom, it’s done. great. That’s what I should be doing. Okay, cool, perfect. Why?

Mike Hambright (19:53)

Yeah, you want to have a there’s an asterisk next to it for sure because

I’m using AI quite a bit these days to just derive insights from the business or kind of help kind of think through issues. But it does hallucinate and from my perspective, it tends to be the worst with analytics. Like the numbers part is still sometimes it’ll like throw stuff off by like a decimal point. And I was like, that’s a big number if you’re on my one decimal point. You know,

Tim Krulia (20:15)

Yeah.

Mike Hambright (20:18)

it’s like point.

Point one percent no no ten percent. It’s like okay, well that that’s two decimal points. Like that’s a big deal, you know.

Tim Krulia (20:25)

Yeah,

yeah. So what you gotta do is if you’re going to use that technology, I in my opinion, right now you have to do is you have to put it in a box, right? You have to give it prompts, you have to give it guidelines, right, of

you can’t just let it go wild. Okay. So in our couple of softwares that we’ve built, it’s they’re AI powered too, but they’re based on something that we’ve already explained to it. So it needs to kind of stay within these boundaries, right? and it’s proven to be really useful. and I really enjoy being able to to go and

Test it and push it to its limit, get its answers, and then do a check and find out that it’s and that’s pretty cool. so that I again I would caution folks to just trust what they’re seeing. It’s kind of like I mean, you wouldn’t just go to the internet, pull up anything and believe that it’s gospel. You just don’t. So you gotta be careful. God bless them.

Mike Hambright (21:17)

Some do. Some some do. Especially these days.

Tim Krulia (21:22)

You know? Yeah. So okay.

Mike Hambright (21:21)

There’s so much there’s so much fake news or AI slop out there, yeah.

Tim Krulia (21:27)

and you know, so what we’ve been working on really hard is replacing ourselves. Right?

Mike Hambright (21:32)

Mm-hmm.

Tim Krulia (21:32)

We are trying our very best to take work that historically is hours and hours of labor and very intense on training and standard operating procedures to be able to get to

the other end to be able to get great accurate metrics, KPIs, and things. So that we can then start to read into them. And the best part about reading into them isn’t just on in your own little silo as a CFO, but it’s when you can collaborate with the business owner and talk more about it live, right? Find out what you find out. Bring it to the meeting if you’re the CFO. Then bring it to the business owner because the business owner knows the business better than anybody else. Right.

So now you’re collaborating with what you found out through your research and study, with the business owner who sleeps and breathes and thinks this all the time. And now you can have this conversation. Half the time when you’re having these kind of finance type conversations, magic happens. New ideas pop up. Okay. opportunities that neither one of you knew were there become vocalized.

Mike Hambright (22:33)

Mm-hmm. Yeah.

Tim Krulia (22:33)

And that’s when other people,

you know, not CFO necessarily, but maybe the marketing person or the sales person or the operations person or the customer support person or maybe there’s some legal thing, right? And then the CEO can go and work with those people and develop that idea into something that’s gonna make a big difference in the company. And it all starts with your finance with the analytics and the research. So what we’re trying to do

Mike Hambright (22:53)

Yeah.

Tim Krulia (22:54)

is speed ourselves up.

You know, we’re spending all these hours historically getting to that base level of KPIs and analytics. Software has helped us get it to a place where now we can take what’s in the CRMs, take the data, manipulate it, put it into places where we can easily see it. Now we’re just going in there and reading and then using our time to think about it.

And more quickly and easily bring it to the business owner. Business owner can also go and log in and take a look at it too. You know, how fun is it to wake up in the

Mike Hambright (23:20)

Mm-hmm. Yeah.

Tim Krulia (23:22)

morning to be able to see what your numbers were the day before without having to wonder,

Mike Hambright (23:25)

Yeah.

Tim Krulia (23:26)

okay, you know, wait a week until somebody prepares a report for you, wait a month until the books are done from the bookkeeper, whatever their schedule is. So now their schedule becomes your, bottleneck.

Let’s let’s use technology

Mike Hambright (23:37)

Yeah.

Tim Krulia (23:38)

to our advantage so that we can do the one thing that’s the most important, which is make better decisions.

Mike Hambright (23:42)

Yeah, and I think even once for a lot of entrepreneurs that have relatively clean books, they tend to rely on kind of averages. Like they’re just like, Well, my average customer acquisition cost, for example, is this or that. And they just it’s so much work to get down into the like, well, let’s talk about by lead source or by time of month or by, you know, so many ways to kind of slice and dice it. It’s been so hard to analyze that if you can’t afford a full time team to kind of analyze that, it’s hard. But I think

Now you could utilize AI to analyze transaction level stuff, or if you’re flipping let’s if you’re a rehab or you’re flipping a lot of houses, like you could start to analyze stuff from the material level or you know, electrical costs or tile costs or whatever, whatever you might want to do, you could start to analyze receipts and individual vendors and stuff like that. It’s

Tim Krulia (24:28)

Yeah.

Mike Hambright (24:28)

just it’s an easier lift than it used to be in the past because the data might all be in there. Maybe it’s all in your PL, but

you

know, if it’s all summed up to account levels, then it’s hard to kinda get down into the details, but that’s that’s getting easier.

Tim Krulia (24:40)

Couple of things, right? on that topic. Number one is whenever you’re looking at one of those types of metrics, it’s really good to know what your average was, right? So that you can be able to compare, you know, what’s my baseline, right? What’s the benchmark? And then what just came in this month? that was a little lower. if you didn’t really know this number, you wouldn’t have any weight to be able to be like, well, that wasn’t as good. You know. So always being able to look at those.

like a like a rolling 12 month average, rolling six month average, rolling two year average, if if that makes sense, it’s really long. and then the other thing too, to get benchmarks too, is you go to AI. You might get industry standard numbers really quickly, again, you gotta cross check to make sure that you’re actually looking at good references, like qualified references in the footnotes. But that

is a really awesome way as well to be able to make sure that what you’re doing and seeing in your own business is actually matching up to the being either good or bad or average with what everybody else

Mike Hambright (25:36)

Right.

Tim Krulia (25:36)

is seeing.

Mike Hambright (25:37)

Yep. Yeah. Awesome. Well, hey Tim, if if folks want to learn more about you, you have a fractional CFO business. we’ve been working together for years. you work with a lot of well known businesses in the info space for sure in the real estate area. if folks want to learn more about you, what you guys are doing, or get some tips or tricks, where can they go?

Tim Krulia (25:54)

it’s no further than our website really. It’s savvycfo.com, S-A-V-V-Y-C-FO.com. And you can check us out and see what we’ve got going on over there. and let’s see. just earlier this year published my first book. where is it? Here. It’s called Savvy CFO Scorecard. And it’s actually more of a system than it is just a book.

So it has its own AI-powered software tool that comes free with it. And it’s kind of like a rubric. So you go through 12 different areas of of finance and accounting and grade out your own business. And you get some get some hard truths about yourself that maybe you didn’t see that were blind spots. And and hopefully you can improve your company’s financial health. You can find that on Amazon or Audible. but that’s us, that’s where you can find us.

Mike Hambright (26:38)

awesome. We’ll add some links down below. So thanks for thanks for joining me on the show today. Good to see ya.

Tim Krulia (26:42)

It was a pleasure, Mike. Thank you, sir.

Mike Hambright (26:43)

Yeah, I appreciate you. So everybody, hey, thanks for joining us today. if you don’t have your accounting and finance house in order, I’m just telling you it’s a really important part of your business. It’s hard to really drive your business and get to the next level if you don’t have clarity there. So make sure, as they say, you need to have a strong foundation for what you’re building upon. And that usually is the finance and accounting side of your business. So I know for a lot of not for Tim and maybe not for me, but for a lot of folks, that’s the boring side or they don’t want to have to deal with that. But

you can’t get the sexy sides of being an entrepreneur unless your house is in order, basically. So but appreciate you guys. go learn more about Savvy CFO and Tim. We’ll put the links down below. Appreciate ya. We’ll see you on the next show.