Boosting Your Financial IQ

Why do so many businesses struggle with cash flow—and how can you avoid the same fate? In this episode, Steve reveals one of the biggest hurdles he sees business leaders face: a lack of financial literacy. But it’s not about complex accounting—it’s about understanding the story behind the numbers so you can take action.

Steve shares his journey of learning the basics of finance and why getting these fundamentals right could be a gam...

Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/

Steve is back! After taking a break to focus on his business, Coltivar, he's returning to the Boosting Your Financial IQ podcast with fresh insights and a new tool to help you level up your financial game.

In this episode, Steve shares why financial literacy is key for business owners and how understand...

Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/

What is a good profit margin for a small business? In this episode of Boosting Your Financial IQ, Steve unpacks the truth behind profit margins—what they really mean, why they vary across industries, and how to know if your business is healthy.

With practical examples, real stories, and actionable strategies...

Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/

Profit isn’t a reward, it’s a system. In this episode of Boosting Your Financial IQ, Steve breaks down the essential strategies behind building a truly profitable business. 

Whether you lead a growing company or are stuck wondering where the profit went, this episode will give you a clear playbook to turn th...

Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/

Your company is generating real revenue, but where’s the profit? In this episode of Boosting Your Financial IQ, Steve unpacks the most common (and often hidden) reasons businesses struggle to turn revenue into bottom-line results. 

From product-market fit to pricing, from customer experience to capital struc...

Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/

Steve reveals the five things financially savvy CEOs focus on (and the common traps they avoid) to build cash-rich, high-growth companies.

If you’re ready to shift from operator to strategic thinker, this one’s for you. 

Disclaimer:
BYFIQ, LLC is a wholly owned entity of Coltivar Group...

Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/

Steve answers a listener's heartfelt question: should you work for a wage or build your own business? 

Through a raw and personal backstory from blizzards at Dairy Queen to building a multimillion-dollar company Steve shares the pivotal moments that shaped his journey. 

Disclaimer:
BYFIQ, LLC is a wh...

Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/

Most companies get stuck in operating finance, but the real power lies in strategic finance where financial insights drive big decisions and long-term growth.

In this episode, Steve breaks down the key differences and why mastering both can make you a powerhouse in business. 

Disclaimer:
BYFIQ, LLC is a w...

Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/

Running a business is like spinning plates—but how do you know if it's truly efficient?

In this episode of Boosting Your Financial IQ, Steve reveals three key metrics every business must measure to drive growth and profitability. 

Disclaimer:
BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC...

Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/

Where’s your cash going? Even thriving businesses can feel stuck when money flows in and out without clarity.

In this episode, Steve Coughran reveals why cash flow confusion isn’t your fault — and how to fix it. Learn the key steps to forecasting, managing, and boosting your cash flow so you can stay in cont...

Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/

Think you understand cash flow? Steve puts your financial knowledge to the test in this interactive trivia-style episode.

From the difference between profit and cash flow to why profitable companies still go bankrupt, this episode breaks down key financial concepts that every entrepreneur and business owner ...

Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/

Steve has hired countless employees, and the hiring process never fails to shock him. From no-shows to unpolished resumes, he’s seen it all.

In this episode, he shares the brutal truths job seekers need to hear—why some candidates never get a second look, the simple mistakes that ruin your chances, and the k...

Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/

Most professionals know financial literacy is crucial, yet few follow through.

In this episode, Steve Coughran uncovers why so many start strong but fail to finish—and what it takes to break the cycle. Through real-world insights and hard-hitting truths, Steve shares why there are no shortcuts to financial s...

Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/

What does it really take to lead the financial strategy of a billion-dollar company?

Steve Coughran reveals the three biggest lessons he learned as CFO—insights that every business leader needs to know. From simplifying financials to uncovering hidden risks on the balance sheet, these takeaways can help you ...

Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/

Too many leaders hide behind financial data, delaying action until every number is perfectly in place. But in reality, execution drives results—not spreadsheets.

In this episode, Steve challenges the mindset that waiting for the “right” data is necessary and explains why intuition, strategy, and decisive act...

Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/

Got a brilliant business idea? Great! But can you explain your unit economics, break-even point, or burn rate? Most people can’t—and that’s why they fail.

In this episode of Boosting Your Financial IQ, discover why financial literacy is the ultimate game-changer for turning ideas into pro...

Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/

Ever felt the panic of being promoted into a leadership role, only to realize you're expected to speak fluently in the language of numbers? You're not alone—and you don't have to wing it.

In this episode of BYFIQ, discover why "faking it till you make it" is a dan...

Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/

What began as a simple idea to teach financial literacy has grown beyond my wildest dreams—all thanks to you. Your support, shares, and feedback make this journey possible, and I’m truly honored to have you along for the ride.

Thank you for being part of this mission. Here’s to empowering even more...

Master business finance for free with 100+ video lessons—no gimmicks, no hooks, just valuable knowledge: https://www.byfiq.com/

What if a single number could transform how you think about discounts, broken tools, or even your team’s decisions?

In this episode, Steve reveals the "X Factor"—a deceptively simple formula that will make you rethink every dollar in your business. Learn how this tool turned his...