A partner handed Evan Scharf a $350 a month bookkeeping engagement. He took it to prove a point. That partner sent him a $3,500 client, that client's CFO told a friend, and eight years later one of those referrals was billing $30,000 a month. More than 400 clients later, not one has come from an advertisement.

On this episode of Mind Your Business, Yitzchok Saftlas talks with Evan Scharf, CPA, Founder and CEO of CedarRock Advisory Group, about financial storytelling and why a number on a page is worth nothing until someone can tell you what it means.

Evan shares why he walked out of a Deloitte job interview after twenty minutes, the accounts receivable mistake that leaves profitable businesses short on cash, what a bank is actually evaluating when you apply for a loan, and what his team does every single time a vendor's wire instructions change. He breaks down the real difference between a bookkeeper, a controller, and a CFO, and which one most owners actually need. And for the executive directors of nonprofits and schools, he explains why the hours you spend on payroll and bill pay are the most expensive hours in your organization.

Plus the story of a baseball hat in Colorado that says everything about how people misread numbers.

Evan Scharf, CPA, Founder and CEO, CedarRock Advisory Group
Website: https://cedarrockadvisory.com
Phone: 516-666-9249 ext. 101

Mind Your Business is hosted by Yitzchok Saftlas, CEO of Bottom Line Marketing Group. New episodes weekly at www.mybradio.com

Subscribe to Mind Your Business for engaging discussions on leadership, growth, and real-world decision-making from today's top executives and changemakers.

What surprised you most in this episode? Let us know in the comments.

Most families staring at a health insurance renewal ask, "How do we afford this?" A group of Cleveland community leaders asked a different question: "What if we took care of each other instead?"

That question became United Refuah HealthShare.

In this episode of Mind Your Business with Yitzchok Saftlas, Rabbi Moishe Katz, CEO of United Refuah HealthShare, sits for an hour of pointed questions about the first and only Jewish healthcare sharing ministry in America. Yitzchok says it up front: at a fraction of the cost of traditional coverage, it sounds too good to be true. So he asks accordingly.

Rabbi Katz walks through the numbers line by line for a single member, a couple, and a family. He explains what happens in a month when medical needs exceed contributions, and what the organization does if that ever becomes a trend. He is direct about pre-existing condition limitations, including the ones that never phase out, and about the kind of applicant United Refuah cannot accept. He names, on camera, the type of person this model is wrong for.

One of the most striking moments has nothing to do with sharing guidelines. A member facing a six-figure medical bill was shown how to engage the provider directly. Two phone calls. Twenty thousand dollars off each one. Another member walked back into her surgeon's office and asked for a discount on a $30,000 procedure. She got $8,000 in about five seconds.

For business owners weighing what health coverage is costing their team, for families carrying the expense themselves, and for anyone who has read the words "not insurance" and closed the browser tab, this hour is worth the time.

In this episode, you'll learn:

- Why the government permits healthcare sharing only within a religious framework, and what that means in practice
- How a ShareFund works, and why every dollar is traced from one member to another
- What a single, a couple, and a family are actually responsible for before 100% sharing begins
- Why United Refuah tells members to negotiate their own hospital bills, and how much that saves
- What is shared and what isn't, including prescriptions, mental health, therapies, dental, and maternity
- How pre-existing conditions phase in over four years, and why full disclosure on the application matters more than people think
- Why an employer might hand employees the difference in cash instead of a health plan

Featuring:
Rabbi Moishe Katz, CEO, United Refuah HealthShare
Apply: https://unitedrefuahhs.org/apply-now/
Website: https://unitedrefuahhs.org
Phone: (440) 772-0700, extension 1 for general information, extension 2 for current members

Mind Your Business listeners: apply with code MYB2026 and get $100 off the $125 application fee. The code must be entered at the time of application. New memberships only, no add-ons. Valid through December 31, 2026.

United Refuah HealthShare is not an insurance company and does not offer insurance. It is a nonprofit healthcare sharing ministry in which members share one another's eligible medical expenses. Contribution amounts, sharing guidelines, and program details discussed in this episode reflect the program as of summer 2026 and are subject to change. Nothing in this episode is insurance, tax, or medical advice.

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About the Channel

Mind Your Business with Yitzchok Saftlas features thoughtful discussions with executives, entrepreneurs, nonprofit leaders, and changemakers. Hosted by Yitzchok Saftlas, CEO of Bottom Line Marketing Group, the show dives into leadership, marketing, fundraising, and organizational growth through real stories and practical insights.

Most entrepreneurs ask, “How do I build a company worth selling?” Shai Stern has built and sold four businesses - and says that’s the wrong mindset.

In this episode of Mind Your Business with Yitzchok Saftlas, Shai, Founder of Gotavi, shares lessons on building companies, choosing the right buyer, handling rejection, hiring well, and thinking carefully about life after an exit.

He also explains the “balagan” of managing multiple business vendors, why AI insurance is becoming a real category, and how answer engine optimization is changing the way customers discover companies.

In this episode, you’ll learn:

• Why you shouldn’t build a company just to sell it
• Why the highest bidder may not be the best buyer
• What founders often overlook after an exit
• How vendor overload quietly drains time
• What AI insurance and AEO mean for businesses
• The hiring mistake that costs you twice
• How to handle rejection without burning the relationship

Featuring:
Shai Stern, Founder of Gotavi
https://gotavi.co/

Connect with Shai on LinkedIn:
https://www.linkedin.com/in/shaistern1/

Subscribe to Mind Your Business for conversations on leadership, growth, and real-world decision-making.