Try out our free tools and calculators: coltivar.com/tools

Most people stay broke because they’re playing the wrong game. The typical formula of getting a job, saving, and hoping for the best simply doesn’t work. In this episode, Steve breaks down why 99% of people remain stuck in the time-for-money trap, how financial illiteracy keeps us from wealth, and why the traditional saving mindset is a myth.

Learn the three key levers of wealth and a simple roadmap for how to escape the cycle of working for money and start building wealth that works for you. By the end of this episode, you’ll understand how to shift from being a worker to an owner, and start taking actionable steps towards financial freedom.

Get ready for a mindset shift, practical steps, and a call to take charge of your financial future today.

Disclaimer:
BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.

This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.byfiq.com/terms-and-privacy-policy for additional important information.

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Try out our free tools and calculators: coltivar.com/tools

Sign up for the Financial Pro course: byfiq.com/financial-pro

Starting a business from scratch can be risky and costly. But what if you could skip the grind and buy a profitable business instead? In this episode, Steve reveals how you can buy a business—even if you don’t have a lot of money. He covers five ways to structure a deal with little to no cash, including seller financing, SBA loans, and investor partners.

You’ll also learn the three key numbers to focus on when evaluating a business and how to avoid rookie mistakes that can blow up your deal. If you’re serious about building wealth through business ownership, buying an existing business could be one of the smartest, fastest paths forward.

Disclaimer:
BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.

This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.byfiq.com/terms-and-privacy-policy for additional important information.

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Levers of Profit Calculator: coltivar.com/levers-of-profit-calculator

Want to know how to boost your business’s profitability? There are just four key levers that make all the difference: price, volume, cost of goods sold, and operating expenses. Once you understand these, you’ll be equipped to make smarter decisions that drive real results.

In this episode, Steve walks you through a free tool he created that calculates how small changes to these four levers can impact your profit. With just two simple inputs—cost of goods sold and operating expenses—you’ll instantly see how adjusting each lever can improve your bottom line.

Whether you're leading a team or sitting in a meeting, this tool gives you the confidence to make decisions based on real data.

Let's connect: linkedin.com/in/stevecoughran/

Disclaimer:
BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.

This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.byfiq.com/terms-and-privacy-policy for additional important information.

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