In February, I left my job to build Flow State Financials full-time. It was terrifying…losing the steady paycheck to chase a dream, with no guarantee of immediate income replacement.

But today, when I ran my Q2 numbers, I noticed something incredible: My net worth had grown by $17,000.

My net worth grew while my active income dropped significantly.

This is the story I want to share with you today…not to brag about my financial wins, but to illustrate something crucial about how real financial security works.

Remember that early 2000s MTV show Room Raiders? A stranger would judge potential dates based entirely on the contents of their bedroom — no face-to-face convo, just a flashlight, a blacklight (yikes), and some serious snooping.

Now imagine this: what if instead of your bedroom… someone raided your credit card statement?

The way we talk to ourselves about money shapes our financial decisions, our sense of security, and even our happiness. Instead of falling into patterns of scarcity and fear, we can shift to an abundance mindset with simple but powerful money mantras. Here are some affirmations to repeat when you feel overwhelmed or uncertain about your finances.

Investing can feel overwhelming, especially with the constant news cycle highlighting stock market volatility. But what if there was a way to invest that removes the pressure of timing the market and allows you to build wealth steadily over time? Enter dollar cost averaging (DCA) — a strategy that aligns perfectly with a mindful, flow-state approach to money.

Your credit score is more than just a number — it's a key player in your financial health. It impacts your ability to get a loan, rent an apartment, secure lower interest rates, and even land certain jobs. But if you’re new to personal finance, understanding how credit scores work and how to improve yours can feel overwhelming. Don’t worry, you’re in the right place! Let’s break it down in a way that makes sense and is easy to act on.

If the phrase double-entry accounting makes your eyes glaze over, you’re not alone. But here’s the truth: a little accounting knowledge goes a long way in helping you feel confident, grounded, and in control of your business finances.

In this post, we’re breaking down the basics of accounting — minus the jargon and old-school textbooks. Whether you're DIY-ing your books in QuickBooks or just want to know what your accountant is talking about, consider this your flowy intro to the fundamentals.

When you think of your favorite cities, what often comes to mind? Maybe it's the landscapes, the cultural events, or the energy of the people. But how often do you think about the amazing local restaurants, the quirky bars, the charming boutiques? Small businesses bring so much character and life to a community. They are what make a city feel unique, welcoming, and vibrant.

If someone offered you the choice between receiving $1 million in cash right now or a single penny that doubles in value every day for 30 days, which would you choose? At first glance, the million-dollar lump sum seems like the obvious choice. After all, a penny is just one cent. But when we apply the principles of compound interest, the results are mind-blowing.

Homeownership has long been seen as the pinnacle of financial success, but the truth is, renting can be just as smart (if not smarter) depending on your personal circumstances. Let’s break down the rent vs. buy debate, dispel the myth that homeownership is the only path to success, and explore ways to make housing work for you, whatever your situation may be.

I’ve used QuickBooks for over 7 years — not just as a professional accountant overseeing millions of dollars in payments and reconciliations, but also as a small business owner myself. From my early days running a yoga studio to now managing Flow State Financials, QuickBooks has been the most reliable, intuitive, and customizable solution I’ve found for small business bookkeeping.

We talk a lot about investing here at Flow State, but if there’s one concept that truly unlocks the power of building long-term wealth, it’s compound interest. It's not flashy. It's not trendy. But it works — and it’s kind of magical when you let it do its thing.

The world feels uncertain right now. Between layoffs, fears of a recession, and nonstop headlines predicting economic doom, it’s easy to feel unsteady.

So, let’s talk about how to navigate this time with confidence, clarity, and resilience.

Hint: It’s how I got approved for a business credit card…with no business income yet.

If you have goals to open a business (or already have) you might be surprised to learn just how closely your personal finances can impact your business journey.

Let’s talk about why that matters, and how you can use your personal credit to support your future business goals.

At Flow State Financials, we believe in creating calm, clear systems that help you feel confident and in control of your money. Two tools that can make a world of difference in your financial flow are your emergency fund and sinking funds. While they’re both savings strategies, they serve different purposes — and understanding how to use them can help you stay prepared and at ease.

Tax season can feel like a whirlwind of paperwork, receipts, logins, and last-minute questions. So if you’re feeling a bit scattered or drained, that’s totally normal. Let’s take a deep breath and regroup. Now is actually a great time to take stock of how things went this year, and how they could feel easier next year.

Both self-soothing and self-care have their place. It’s okay to indulge in comforting activities when you need a break, but don’t let them replace the deeper work required for true self-care. When it comes to finances, real self-care means building financial security, creating options for yourself, and crafting a future that brings both peace and excitement.

Apple TV’s Severance is one of the most thought-provoking shows in recent years, exploring the eerie concept of completely separating work and personal life. But beyond the psychological twists and corporate dystopia, Severance holds some surprising lessons about personal finance. Just like the employees at Lumon, many of us compartmentalize different parts of our financial lives — sometimes to our own detriment. Let’s explore how the themes of the show can help us rethink our approach to money.

When it comes to managing money, businesses follow structured financial principles that help them grow and thrive. So why shouldn’t you do the same? By treating your personal finances like a business, you can gain financial clarity, make better decisions, and set yourself up for long-term success!

Running a business is exciting — but let’s be honest, the financial side can quickly become overwhelming. If you’ve been juggling receipts, spreadsheets, and late-night reconciliations, you might be wondering: Is it time to hire a bookkeeper? Here are some clear signs that the answer is yes.

At Flow State Financials, we’re all about helping you find financial clarity and flow — so here’s how to set smart, aligned financial goals for 2025.