Look, the benefits of hiring a financial consultant hit me like a freight train in 2023 when I was sitting in my stupid little Airbnb office in Austin, Texas, eating cold Whataburger at 3 a.m. and realizing I had accidentally paid myself $47 last month. Like, forty-seven dollars. I’m not exaggerating, my dog was eating better than me. I thought I was “good with money” because I once read Rich Dad Poor Dad in college, bro, I was so cooked. https://www.aicpa.org/interestareas/personalfinancialplanning
Why I Finally Caved and Hired a Financial Consultant (Instead of Just “Winging It” Like a Dumbass)
I kept telling myself I didn’t need help. I had QuickBooks! I had Excel! I had… delusional confidence and a Spotify playlist called “CEO Vibes.” Meanwhile my credit cards were maxed, my taxes were a dumpster fire, and I was Venmo-requested my own mom for gas money. The embarrassment still tastes like stale fries.
Then one random Tuesday I’m doom-scrolling LinkedIn (because that’s healthy) and I see this guy who looks like a calm George Clooney posting about cash-flow forecasting. I slide into his DMs at 1 a.m. with the grace of a drunk raccoon: “yo can you fix my life pls.” Shockingly, he said yes. https://www.aicpa.org/interestareas/personalfinancialplanning
The Very First Thing My Financial Consultant Did That Blew My Tiny Mind
He made me track every single penny for 30 days. Every. Single. One.
I discovered I was spending $380 a month on energy drinks and Uber Eats tips like I was some crypto bro. He didn’t even judge me out loud, just raised one eyebrow and I literally felt my soul leave my body. That eyebrow saved me thousands.
Here’s the wild part: within three months of working with him, my profit margins went from “negative lol” to actually positive. Like, I paid off two credit cards and bought real groceries. The benefits of hiring a financial consultant aren’t some abstract MBA jargon, it’s the difference between crying in your car and… not doing that. https://www.cfp.net/why-cfp-certification/let-your-financial-planner
Real Talk: The Stuff Nobody Tells You’ll Pay For (That’s Secretly Priceless)
- Tax planning that doesn’t make me want to yeet myself into the sun
- Figuring out how to actually pay myself a salary without the business imploding
- Someone who texts me “hey champ, maybe don’t buy another $800 course this week”
- Sleep. I sleep now. That alone is worth triple his fee.
Yeah, It Costs Money, But So Does Panic-Ordering DoorDash at 2 a.m. Because Numbers Scare You
I won’t lie, dropping four figures a month on a financial consultant felt insane when my bank account was wheezing. But here’s the math my lizard brain couldn’t do: he found $28k in tax deductions I didn’t know existed and helped me restructure debt that was costing me $1,200/month in interest. Paid for itself in 60 days. I’m still mad I waited so long.
My Financial Consultant Caught Me Lying to Myself (and Fixed It)
I used to tell investors “we’re on track to hit 7 figures this year” while privately googling “how long can you go without paying payroll taxes.” He called me out so gently I almost started crying in a Zoom room. Then he built me an actual runway model and suddenly the lies weren’t necessary anymore. Growth started feeling… real?
Okay Fine Here’s My Unfiltered Advice If You’re On the Fence
If any of these sound like you, just hire the damn financial consultant already:
- Your “bookkeeping” is a shoebox of receipts
- You pay personal bills from the business account “temporarily”
- The phrase “accrual accounting” makes you break out in hives
- You’ve ever said “I’ll figure out taxes in April”
Just do it. Rip the Band-Aid. The benefits of hiring a financial consultant are gonna hit harder than that time you realize you’ve been pronouncing “amortization” wrong for ten years (still me).
Anyway, I’m sitting here in the same Austin Airbnb, but now there’s actual food in the fridge and I haven’t calculated my net worth in the negatives since March. If you’re drowning in your business finances like I was, shoot me a DM or go book a discovery call with someone who doesn’t flinch at your chaos. https://www.cfp.net/why-cfp-certification/let-your-financial-planner
You deserve to stop panicking about money. Seriously. Go get help.
(And yeah, if you want the name of my guy who basically performed an exorcism on my P&L, drop a comment. I got you.)
