First QTR

If You’re Not Going All In, Stay Out Buying an established business with management might be a better fit. Unlike real estate, a new venture demands constant attention. Your personal commitment is key to its success. If you can’t invest fully, consider alternatives.... more Be Fair, But Firm Approach your friend-client with empathy and honesty. Communicate your need for timely payment and propose a plan for settling the overdue amount and adjusting future payment terms.... more Don’t Be Afraid to Start Small Dave Ramsey advises aspiring entrepreneur Kirsten to start her online business small, using existing funds, and gradually grow without debt, emphasizing the value of maintaining a full-time job for stability.... more

Second QTR

Don’t Risk it All Encourage gradual pursuit of passion. Avoid cashing out 401(k). Start small to minimize risk. Don’t risk everything for a dream.... more

First QTR

Enhance Communication with Your Team The greatest problem with communicating with your team is the illusion that it has been accomplished. Create a culture where you communicate early and often. Here are some ideas!... more Improve Your Decision-Making (and Critical Thinking) Skills Mastering decision-making skills gives you muscle to weigh your options wisely and make hard, brave choices.... more Avoid the Set-it-and-Forget-it Mindset Setting your goal and hoping it will happen isn’t the right answer. You need to work on it.... more

Second QTR

Gen Zers and Millennials? I Love ’Em! Dave is a huge fan of millennials and Gen Zs in his workforce. He says give them what you should as a leader and they’ll blow you away with their smarts and achievements.... more This Guy Has Potential! What should you do when you have a stand out employee that you may want to promote into a sales position? Dave provides advice on what to do.... more

Third QTR

Revoke His Get Out of Jail Free Card Don’t let an employee who may also be a relative disrupt your company. It’s not good for you or the employee. Dave had some advice for address this issue.... more Different Personality Types Can Be a Good Thing Differing personality types within a marriage can create success in the relationship and in business.... more Family Business? Keep It Professional What do you do when a one-third owner of a company is no longer involved in the family owned business but insists on taking a salary? See Dave’s recommendation on handling this.... more

Fourth QTR

Too Much Regulation Stifles an Economy A free market allows buyers and sellers to transact freely. While some regulation is necessary, excessive control hinders economic growth and job creation. Trust in market forces and mutual interests of buyers and sellers drive the efficiency of a free market.... more Look for (and Instill) a Crusader’s Mentality Dave emphasizes the importance of maintaining a ’crusader’s mentality’ in sales. He advises hiring those with a passion for the job and gradually instilling the winning attitude. Leading by example and recognizing success are key leadership responsibilities.... more The Concept is the Same Small-business budgeting is like personal finance but requires projecting income, expenses, and profit to avoid cash flow issues.... more