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January 19, 2021 32 min

If you are like most small business owners I work with, you went into business because you are good at what you do – graphic design, hospitality, construction, farming, retailing etc.

You may be one of the 95% of small business owners who discover that although you work like a dog every day, you have little to show for it. You may be feeling isolated because you don’t think there is anyone to discuss or share their greatest fears and challenges with.

Which leads me to one area I’m guessing is definitely harder to grasp than you thought it would be: the management of money.

If you are like most, you never dreamed that the ability to understand how money works would be very important. You thought: “That’s for the accountant (or bookkeeper) to worry about. Sure, the accountant shows me a few reports from time to time, but I don’t see the need to really understand what they mean. If there was a problem, he/she would tell me, wouldn’t they?

You probably don’t realize that all those numbers - the financial DNA of your business - can tell you a lot more than you thought. They can tell you why you’re suddenly struggling to pay the bills. They can reveal why you’ll have to forego your salary - again - because there just isn’t enough cash.

The financial numbers are the story of your business. The numbers don’t lie. You just need to learn HOW to listen to them and use them to your advantage... which is why today we are going to practice a bit of Financial Foreplay®.


Terrell Turner is an experienced Certified Public Accountant (CPA), finance leader, podcast host, speaker and founder of TLTurner consulting firm that is focused on making accounting and finance a little less complicated for business owners and business leaders. You may have already listened to his top rated podcast called “Business Talk Library” – and if you haven’t, I highly recommend it.

He holds a Bachelor’s degree from Lander University and a Master’s in Accountancy from the University of Notre Dame. After years of studying hard he launched his career in Public accounting with one of the Big 4 international accounting firms Ernst & Young, followed by multiple finance leadership roles throughout the US and Brazil with fortune 500 companies like Navistar and General Electric.

In addition to all of the fun of consulting, hosting a podcast and speaking engagements Terrell enjoys spending time with his wife Lola Turner and traveling to enjoy new experiences.



  • Less than 3/10 of all businesses have a grasp on their numbers
  • Business owners always take their personal mindset (whether or not they have adequate savings buffer, spending habits etc.) into their business with them, which explains why most don’t have enough cash
  • Think of your income statement as if it were a major motion picture – you would have lead actors, supporting actors, investors, and critics
  • If you want to make a blockbuster movie (or successful business) should you focus on the supporting actors (and critics) or your lead actors?

    Get in Touch:

  • Business Talk Library Site 
  • CFO consulting
  • Online Learning center
  • LinkedIN 
  • YouTube – Business Talk Library
  • Facebook: Business Talk Library by TLTurnerGroup - @TLTurnerGroup
  • Instagram:
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