Let’s have some real talk.
If you were a business, would you be profitable?

I know, it’s kind of a bold question. But stick with me—because this one shift in thinking changed the way I relate to money forever.

In a previous blog, we talked about tracking your net worth so you can know where you stand.
This week? We’re talking about cash flow—aka what’s coming in, what’s going out, and how to track it without spiraling into guilt or overwhelm.

Seeing Your Life Like a Business

You don’t have to be an entrepreneur to start thinking this way.
In fact, one of the smartest things you can do in your 20s is to become the CEO of your own life.

And every CEO needs to understand one thing: Cash Flow.

Because here’s the truth:
It’s not how much money you make that determines your freedom.
It’s how much you keep and how consciously you spend it.

So what exactly is cash flow?

Simple. It’s the flow of your money.

• Cash In: Your income—paychecks, side hustle earnings, birthday money from Grandma.

• Cash Out: Your expenses—rent, groceries, iced lattes, Spotify, that one thing you forgot you subscribed to 6 months ago.

If your cash out is consistently more than your cash in? You’re operating at a loss.
But if you know your numbers, you can shift things around, make better decisions, and start building a life that’s not just surviving—but thriving.

Why Tracking Your Expenses is a Power Move

You get clear.
No more “I don’t know where my money goes” vibes. You will know.

You take control.
When you know what you’re spending, you can choose what to change.

You start growing.
Even small shifts (like canceling that unused subscription or meal prepping once a week) start adding up to real wins.

You stop feeling like a victim of money.
Tracking turns you from reactive to responsive.

My Challenge to You: Track Every Dollar for 30 Days

Yes, every one. Even the gum. Even the $4 you Venmo’d your friend for fries.

Use an app, a spreadsheet, or a notebook. No judgment. No guilt. Just awareness.

This is not about being restrictive.
It’s about becoming conscious.
Because awareness is where empowerment begins.

Ask yourself this:

“If my life were a business, would it be making money—or just barely getting by?”

And even more importantly:

“Am I spending money in ways that align with the life I really want to live?”

Running your life like a business doesn’t mean turning into a robot.

It means being a visionary. A wise leader.
Someone who knows that every dollar has a job—and you’re the boss.

So go ahead. Open up those bank statements. Get curious, not critical.
You’re not “bad with money.” You just haven’t met your inner CFO yet.

And guess what? She’s already in there, ready to rise.