Quick question. If you couldn't work for three months because of an injury or illness, what would happen to your personal finances?

For most business owners, the honest answer is: it would be bad. Really bad.

And yet disability insurance is probably the most skipped coverage among self-employed people. Today we're going to talk about why that's a problem and what to do about it.

For a lot of people, one of the scariest parts of leaving a traditional job isn't the income uncertainty. It's losing the health insurance.

And honestly? That fear is legitimate. Health insurance as a self-employed person is expensive, confusing, and the options feel overwhelming. But here's the thing — it's not as impossible as it seems once you actually understand what's available to you.

Let's walk through your real options.

Most budgeting apps are built for people who know exactly how much money they're going to make this month. If you're a business owner, you are not that person. And that's why most budgeting apps feel useless to you after about two weeks.

YNAB is different. And today I'm going to tell you why.

"Save three to six months of expenses in an emergency fund."

You've heard that advice a hundred times. And it's good advice (for someone with a steady paycheck). But when you're a business owner and your income swings from great to rough and back again, that advice kind of falls apart.

How do you save consistently when there's nothing consistent about your income? That's what we're solving today.

Let me ask you something. When you got paid at your last job, did you have to think about whether you'd actually pay yourself that week?

No. It just happened. The money showed up.

Now that you run a business, that automatic paycheck is gone. And a lot of business owners end up paying everyone else first — vendors, software subscriptions, contractors, taxes — and whatever's left over at the end of the month is what they personally live on. Which sometimes is nothing.

Today we're fixing that.

Cash Grab with Benchmark Ledger Solutions is a podcast focused on helping business owners with their personal finances. Season 2 brings a refreshed format, new topics, and guest interviews, released every Monday.

Have you ever noticed the fonts offered by each software is always different? In today's podcast episode Kimi is going to talk about the benefits of using generic fonts, suggesting a few for reference, and emphasizing the importance of brand consistency.

If you enjoyed today's podcast episode, please check out the Cash Grab podcast, where we upload new episodes Monday and Wednesday, talking about different ways small businesses, nonprofits, and individuals alike can save money.

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Cash Grab is a podcast hosted by Benchmark Ledger Solutions. On Cash Grab we discuss various money bleeding situations, and offer tips to helps save your business, nonprofit, or self from spending more money than you have to.

If you like learning about ways to save money, or how to launch your business for the cheapest dollar amount possible, Cash Grab is the perfect podcast for you!

Cash Grab has new episodes released every week on Monday and Wednesday, offering money saving tips that can be in the form of methods, programs, services, tips, tricks, and software.

Benchmark Ledger Solutions is a bookkeeping and analysis firm that works exclusively with businesses and nonprofits generating under $1 million in annual revenue. We offer more resources for business and nonprofit owners alike on benchmarkledgersolutions.com/articles

The Small Business Administration offers powerful free resources most business owners never use. In this episode of the Benchmark Ledger Solutions podcast, founder Kimi Witherell reveals how the SBA can accelerate your business growth through mentorship, government contracts, grants, and networking opportunities.

What You'll Discover:

Free Mentorship Programs - Connect with experienced mentors who provide one-on-one guidance on business planning, financial management, and growth strategies at no cost.

Small Business Directory - Get listed in SBA directories to increase visibility, connect with potential partners, and reach customers actively seeking small business solutions.

Government Contract Opportunities - Learn how to compete for federal contracts worth billions in annual revenue. Kimi explains set-aside programs, eligibility requirements, and how to position your business for government contracting success.

Grant and Funding Programs - Navigate the SBA's funding landscape, understand what opportunities actually exist, and discover legitimate funding sources for your business.

Perfect for:

• Small business owners seeking growth resources and expert guidance
• Entrepreneurs interested in government contracting
• Nonprofits looking for funding and support programs
• Anyone wanting to leverage free government resources

Kimi breaks down each program in clear, practical terms—no government jargon, just actionable information you can use immediately. Learn how to apply, what documentation you need, and which SBA resources align with your business stage.

Whether you're launching or scaling toward $1 million in revenue, the SBA has tools designed to help you succeed. Stop leaving money and resources on the table—discover how the Small Business Administration can become your partner in business growth.