In this episode of Peace Luv Biz, Steve and Mary break down cash vs accrual accounting
in a way business owners can finally understand.
They explain how each method works, when it matters, and why choosing the wrong one
can distort profitability, cash planning, and growth decisions.
This episode helps entrepreneurs move past confusion and into confident financial
leadership — with reporting that actually supports scale.

Key Takeaways:
✅ Cash tracks movement — accrual tracks performance
✅ Accrual provides clearer insight for growing businesses
✅ The wrong method distorts decisions
✅ Easier isn't always better
✅ The right accounting method supports growth
For clarity, strategy, and reporting alignment, book your CFO Call today.

In this episode of Peace Luv Biz, Steve and Mary tackle one of the most common — and costly — habits among entrepreneurs: avoiding their books.
They break down why messy bookkeeping creates unnecessary stress, how simple weekly habits can restore calm, and when it's time to delegate instead of white-knuckling it alone.
This episode reframes bookkeeping as self-care — not punishment — and gives business owners permission to stop chasing perfection and start building clarity.

✅ Avoidance creates more stress than bad numbers
✅ Clean books reduce anxiety and improve decision-making
✅ Simple, consistent habits matter more than perfection
✅ Delegation is protection, not weakness
✅ Clarity is the foundation of peace in business

If you want support without shame and clarity without overwhelm, join the PLB Community and start building peace through clarity.

This week on Peace Luv Biz, we're talking about something every entrepreneur needs to
take seriously — government enforcement and how to protect your business from legal and
financial fallout.

The IRS is increasing audits. States are tightening regulations. Penalties are rising. And the
days of "I didn't know" are long gone.

So today, we're breaking down what's changing, what the government is cracking down on,
and most importantly — how to protect yourself, your money, and your business with
structure, compliance, and accountability.

As the year comes to a close, we're wrapping up the season by slowing down and looking back. In this episode, we share the lessons learned over the past year and walk through a few practical checklists to help you reflect, reset, and move forward with clarity.

Whether you're closing out your books, planning for the year ahead, or simply taking a moment to pause, this conversation is designed to help you finish the year feeling grounded, prepared, and confident about what's next.

In this week's episode of Peace Luv Biz, Steve and Mary dive into the end-of-year pivot —
the essential period where entrepreneurs assess what actually happened this year and
prepare intentionally for the year ahead.
They break down how to evaluate your financials, revisit your goals, tighten your systems,
and walk into 2026 with clarity, confidence, and a plan that supports real growth.
Whether you hit big wins or ran into chaos this year, this episode helps you reset, refocus,
and build the foundation for a more peaceful and profitable 2026.

Key Takeaways:
✅ How to honestly review business performance for the year
✅ What financial clean-up MUST be done before January
✅ How to set goals that you'll actually stick to
✅ Why the end-of-year pivot determines your success in Q1

✅ The power of preparation vs. "January panic mode"

For support with year-end review or CFO-level planning, visit www.peaceluvbiz.com.

In this episode of Peace Luv Biz, Steve and Mary dive into a topic too many business owners
ignore until it's too late: government enforcement is increasing — and the penalties
are very real.
The IRS is stepping up audits, states are cracking down on licensing and sales tax, and AI-
driven compliance tools mean your numbers must be clean, accurate, and defensible. Steve
and Mary break down what's changing, why it matters, and how business owners can
protect themselves from unnecessary penalties, fees, and legal trouble.

This episode is full of the real talk entrepreneurs need: you can't operate on hope, and you
can't outrun compliance. But with clean books, proper structure, and the right financial
team, you can stay safe, stay stress-free, and keep your business thriving.
Key Takeaways:
✅ Governments are enforcing more aggressively — small businesses are the target.
✅ Most penalties come from avoidable mistakes, not bad intentions.
✅ Compliance isn't optional — it's protection.
✅ Clean books + proper payroll + timely filing = long-term peace.
For tools, support, and expert guidance, visit www.peaceluvbiz.com to book your
consultation.

In this week's episode of Peace Luv Biz, Steve and Mary dig into a topic every entrepreneur
needs to face head-on — accountability and repercussions.

Business owners often talk about goals and growth, but rarely about what happens when
obligations are ignored — taxes left unfiled, invoices unpaid, deadlines missed, and
commitments broken. This episode shines a light on the real costs of avoidance — from IRS
penalties to damaged business relationships — and how accountability can become your
greatest strength instead of your biggest fear.

In this flavorful two-part episode of Peace Luv Biz, Steve and Mary sit down with Matt Coltrin, founder and CEO of Roll Cajun Food Truck, to talk about passion, purpose, and the financial journey behind turning a dream into a thriving business on wheels.

From his Louisiana roots to bringing Cajun comfort food to the streets of Birmingham, Matt shares how his love for food and community evolved into a full-fledged business. But it wasn't all smooth rolling — funding challenges, permits, and cash flow hurdles tested his drive early on. That's when partnering with Mary changed everything.

Together, they dive into what happens when a creative vision meets financial structure — the shift from "hustling to make it work" to confidently running a business with systems, clarity, and peace of mind. Mary's role as CFO brought strategy to the passion, helping Matt find freedom through financial discipline and focus.

Packed with laughter, real talk, and a little Cajun spice, this two-part series is perfect for entrepreneurs chasing their dream but realizing they can't do it all alone.

Key Takeaways:
✅ Passion builds the dream — structure sustains it.
✅ Systems don't limit creativity — they protect it.
✅ Financial clarity creates freedom to grow.
✅ The right partnership can turn chaos into confidence.

Be sure to follow Roll Cajun Food Truck on social media to catch them on the move, and visit www.peaceluvbiz.com to book your free business consultation and get resources to bring peace, love, and clarity to your business journey.