#297: Pt. 1 Courage, Clarity and Confidence with Your Money

In this episode, I’m joined by Inventory Genius program graduate Rebecca Garzon. Rebecca brings a unique perspective to product-based business ownership: with a background in social work, grief, and therapy, she understands human behavior deeply, yet found herself facing hidden guilt, shame, and hesitation around her own business numbers.

We walk through Rebecca’s year-and-a-half journey from feeling overwhelmed by financial baggage to becoming debt-free, confident, and consistent in her business.

Key Takeaways

• The Three C’s of Growth: Transformation starts with Courage (making the initial investment and facing uncomfortable truths), leads to Consistency (building routines like Money Mondays), and finishes with Confidence (a direct byproduct of taking action).

• Confidence is a Byproduct of Action: You don’t need to feel confident or motivated before taking a step. Confidence forms after you consistently show up—even when the numbers aren’t perfect.

• Top-Line Revenue is a Vanity Metric: Focusing solely on gross sales masks expenses, taxes, and cost of goods sold. Understanding true profit and cash flow tells the full story.

• Practice Financial Hygiene: Just like brushing your teeth or washing your face every morning, looking at your numbers—ideally on "Money Mondays"—is a necessary habit for maintaining a healthy business.

• The Power of Accompaniment: Running a business can feel isolating. Being part of a supportive group lets you learn alongside peers, overcome imposter syndrome, and realize you aren't doing this alone.

Episode Breakdown

• Welcome & Introduction

  Introducing Rebecca Garzon, her background, and her journey through the Inventory Genius program.

• Unpacking the Mindset: Shame and Avoidance

  Rebecca shares how her therapy and grief counseling background didn't make her immune to business shame, and why so many educated founders avoid facing their numbers.

• The Three C's: Courage, Consistency, and Confidence

  Why courage must come first, how consistent routines build momentum, and why confidence follows action.

• Overcoming Obstacles: Firing the Wrong Team Members

  Rebecca talks about the difficult but necessary step of replacing an accountant who wasn't serving her business and finding a trusted partner instead.

• Vanity Metrics vs. True Financial Health

  Why high sales numbers don't tell the whole story and how to separate emotional reactions from clear financial data.

• Developing "Financial Hygiene" with Money Mondays

  Why prioritizing your numbers at the beginning of the week positions you to make proactive—not reactive—business choices.

• Seeing the Big Picture Beyond Monthly Snapshots

  Understanding cash flow timing, invoice delays, and quarterly profit views so you stay calm and strategic.

• The Hidden Benefits of the Program & Wrap-Up

  How releasing financial stress frees you up to serve your clients better and lean into your true calling.

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More About the Episode Sponsor:
T&O Strategic Advisory (http://www.tostrategicadvisory.com/) - Offering a wide range of tax and accounting services, including entity election and S-Corp advisory.