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Love Your Finances with Tom Dheere

The BOSSES discuss how to embrace the intricacies of your finances as owners of your voiceover business. As tax season approaches, they delve into self-employment, discussing how different business structures, such as S-Corps and DBAs, can significantly impact your taxation and payment schedule. They also examine the emotional factors that can influence your approach to money management, taking into account personal backgrounds and societal pressures. Health insurance options are also discussed, from leveraging a spouse's plan to state programs. The BOSSES also explore the merits of keeping distinct business bank accounts and utilizing tools such as Health Savings Accounts and business credit cards. Whether you're a spreadsheet enthusiast or a QuickBooks aficionado, they provide insights on tracking transactions, automating invoicing, and the smart utilization of business credit cards for cashback rewards.

In this episode, we arm you with the prowess to navigate your financial affairs with precision, so you can love your finances.

Chapter Summaries

(00:01) Financial Intelligence for Business Owners

Understanding financial intelligence for business owners, managing taxes, working with accountants, and the emotional aspects of money management.

(07:04) Financial Advice for Self-Employed Individuals

Seek financial advice from a certified fiduciary for retirement and health insurance, use HSAs, and maintain a business bank account.

(13:41) Manage Business and Personal Finances

Online banking makes managing personal and business finances easy, with perks for depositing money and the importance of keeping accounts separate.

Top 10 Takeaways

Quick-share concepts from today’s episode:

1. Understanding Financial Intelligence: Entrepreneurs and voiceover artists must develop financial intelligence to navigate tax season, manage business structures, and handle taxation differences between employees and self-employed individuals. 2. Business Structures Matter: Choosing the right business structure, such as S-Corps or DBAs, can significantly impact taxation and payments. Entrepreneurs should seek advice to determine the best structure for their situation.

3. Emotional Factors in Money Management: Personal backgrounds and societal pressures can influence how individuals approach money management. Recognizing and addressing these emotional factors is crucial for effective financial planning. 4. Seeking Qualified Financial Advice: It's important to get financial advice from a certified fiduciary who acts in your best interest, especially regarding retirement planning and health insurance options. 5. Health Insurance Strategies: Self-employed individuals have various options for health insurance, including leveraging a spouse's plan, joining SAG-AFTRA, or exploring state programs. Health Savings Accounts (HSAs) can also be a tax-advantaged method for managing medical expenses. 6. The Role of Credit Unions: Credit unions can offer personalized financial services and may have more of a vested interest in an individual's financial well-being compared to national banks. 7. Separating Business and Personal Finances: Keeping distinct accounts for business and personal finances simplifies tax preparation, aids in working with accountants, and helps maintain financial organization. 8. Utilizing Digital Tools: Online banking and financial management tools like QuickBooks can streamline the process of tracking transactions, automating invoicing, and managing cash flow. 9. Credit Cards for Business Expenses: Using business credit cards strategically can offer cashback rewards and simplify the tracking of business expenses. 10. Continuous Financial Education: Even with an accountant, entrepreneurs need to educate themselves on financial matters to direct their financial professionals effectively and make informed decisions about their business.

Referenced in this Episode

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