Better Questions, Better Results

 How Can Mastering Free Cash Flow Can Transform Your Business? Mastering Free Cashflow Why Free Cash Flow Is Your Business’s True North Star Free cash flow (FCF) represents the ultimate measure of business health — actual cash generated after all necessary investments. While revenue shows sales and profit reflects accounting success, FCF reveals the truth: how much real money your business generates. McKinsey research shows companies in the top FCF quartile trade at 40–50% higher valuations, yet 60% of small businesses operate with inconsistent cash flow, constraining growth and creating vulnerability. The Complete Formula: FCF = Operating Cash Flow - Capital Expenditures Operating Cash Flow = Net Income + Depreciation - Working Capital Changes Performance Benchmarks: Strong business : FCF >10% of revenue Healthy : 5–10% of revenue Concerning : 0–5% of revenue Negative : Acceptable only in high-growth with clear profitability path Industry Standards: SaaS: 15–25% | ...

22 January 2025 | Decision Making, Financial Literacy, Insights, Personal Development, Psychology, Question a Day Question a Day How Do Emotions Influence Financial Decisions? Emotions are the invisible hand behind many of our financial decisions, often steering us in ways we don’t even realize. While we like to think we’re rational creatures when it comes to money, the truth is more like a soap opera: fear, greed, joy, and nostalgia take center stage, often creating drama that our bank accounts have to clean up. In this blog, we’ll explore the fascinating interplay between emotions and financial decision-making, backed by psychological insights, evolutionary theory, and real-world examples. Plus, we’ll sprinkle in some fresh ideas, like  "emotional diversification"  and the  Emotional Financial Quotient (EFQ) , to help you tame your feelings before they raid your wallet. Let’s dive in! 1. The Role of Emotions in Financial Decisions Emotions act like the impulsive friend ...