Send Me Your Questions!

One client. Half your revenue. Great relationship. Solid work. And then they get acquired, a vendor review happens, and they're gone in 90 days.

That's concentration risk. And it doesn't announce itself until it's already happening.

In this episode, Melissa breaks down the 50% client problem, where else concentration risk hides in your business, and four practical moves to start building resilience without blowing up what's working.

There's homework. It's short. The number might make you a little uncomfortable. That's intentional.

In This Episode

• What concentration risk actually is and why the warning sign is 20%
• Why "they're not going anywhere" is not a risk management strategy
• Vendor and revenue stream concentration: the ones founders miss
• Four moves to build resilience gradually and intentionally
• Your homework: one calculation that tells you a lot

Homework

Pull your revenue from the last 12 months. Calculate what percentage each client represents. If anything is above 20%, you have information worth acting on.

No Se Habla Taxes is the podcast for creative agency owners who want to understand the financial side of their business — without drowning in spreadsheets. Hosted by CPA and fractional controller Melissa Armstrong, each episode unpacks real operational finance questions through candid stories and practical insight. Subscribe to the newsletter at steadyhandaccounting.com for episode recaps and financial insights delivered straight to your inbox.

Not sure if your business is healthy or just busy? No Se Habla Confusion is a $500 financial assessment for creative agencies on QBO doing $300K–$3M. I dig into your numbers, find the gaps, and tell you exactly where you stand. Email info@steadyhandaccounting.com — subject line: No Se Habla Confusion.

Let's connect!

LI: https://www.linkedin.com/in/armstrongmelissacpa/

Website: https://steadyhandaccounting.com/

Send Me Your Questions!

The Emotional Side of Agency Finances

We're not opening a spreadsheet in this episode. We're talking about feelings.

After years of sitting across from agency founders and looking at their numbers, one thing is clear: the math is almost never the problem. The feelings about the math — that's where everything gets stuck. The fear that you're not charging enough. The avoidance that keeps you from opening your books for weeks. The pricing decisions made from anxiety instead of data.

In this episode, Melissa gets into the emotional drivers that quietly run the show in your business — and what it actually looks like to move from fear-driven decisions to data-driven ones. Because the data is almost always less scary than the story your brain is telling at midnight.

If any of it feels uncomfortably relatable, that means it landed the way it was supposed to.

No Se Habla Taxes is the podcast for creative agency owners who want to understand the financial side of their business — without drowning in spreadsheets. Hosted by CPA and fractional controller Melissa Armstrong, each episode unpacks real operational finance questions through candid stories and practical insight. Subscribe to the newsletter at steadyhandaccounting.com for episode recaps and financial insights delivered straight to your inbox.

Not sure if your business is healthy or just busy? No Se Habla Confusion is a $500 financial assessment for creative agencies on QBO doing $300K–$3M. I dig into your numbers, find the gaps, and tell you exactly where you stand. Email info@steadyhandaccounting.com — subject line: No Se Habla Confusion.

Let's connect!

LI: https://www.linkedin.com/in/armstrongmelissacpa/

Website: https://steadyhandaccounting.com/

Send Me Your Questions!

"I'm just not a numbers person."

If you've said that — or thought it — this episode is for you.

In Episode 3, Melissa Armstrong gets personal. As a CPA who has spent her career helping creative founders understand their finances, she still found herself believing she wasn't on top of her own business money. It took validation from her commercial banker and her business advisors before she could let that story go.

Sound familiar?

This episode unpacks where the "I'm bad at numbers" belief comes from, what it's actually costing your business, and why financial confidence has nothing to do with being good at math.

In this episode:
— Why creative founders carry the "I'm not a numbers person" story
— The difference between financial language and financial intelligence
— What avoidance really costs you (and it's not what you think)
— What financial confidence actually looks like — and how close you already are

No Se Habla Taxes is the podcast for creative agency owners who want to understand the financial side of their business — without drowning in spreadsheets. Hosted by CPA and fractional controller Melissa Armstrong, each episode unpacks real operational finance questions through candid stories and practical insight. Subscribe to the newsletter at steadyhandaccounting.com for episode recaps and financial insights delivered straight to your inbox.

Not sure if your business is healthy or just busy? No Se Habla Confusion is a $500 financial assessment for creative agencies on QBO doing $300K–$3M. I dig into your numbers, find the gaps, and tell you exactly where you stand. Email info@steadyhandaccounting.com — subject line: No Se Habla Confusion.

Let's connect!

LI: https://www.linkedin.com/in/armstrongmelissacpa/

Website: https://steadyhandaccounting.com/

Send Me Your Questions!

What happens when your biggest client goes quiet? Panic — unless you know your numbers. Melissa opens with a real client story: a smart founder, a client that went radio silent, and the one question that changed everything: what is your daily burn rate?

Turns out, knowing that number is the difference between a business owner who can make strategic moves and one who's just hoping for the best.

No Se Habla Taxes is the podcast for creative agency owners who want to understand the financial side of their business — without drowning in spreadsheets. Hosted by CPA and fractional controller Melissa Armstrong, each episode unpacks real operational finance questions through candid stories and practical insight. Subscribe to the newsletter at steadyhandaccounting.com for episode recaps and financial insights delivered straight to your inbox.

Not sure if your business is healthy or just busy? No Se Habla Confusion is a $500 financial assessment for creative agencies on QBO doing $300K–$3M. I dig into your numbers, find the gaps, and tell you exactly where you stand. Email info@steadyhandaccounting.com — subject line: No Se Habla Confusion.

Let's connect!

LI: https://www.linkedin.com/in/armstrongmelissacpa/

Website: https://steadyhandaccounting.com/

Send Me Your Questions!

I have watched agency owners pop bottles over crossing $1M in revenue, post about it, make it their entire personality for a quarter, and then call me six months later because they can't make payroll. In this episode, I'm breaking down why revenue is the most celebrated and most misunderstood number in your business, and what you should actually be paying attention to instead.

What We Cover

• Why crossing a revenue milestone feels like winning and why that feeling can cost you
• Maya's story: $1.2M in revenue, a full team, a nice office, and a cash crisis hiding underneath it all
• The difference between revenue, profit, and cash flow and why confusing them is one of the most expensive mistakes you can make as a founder
• Why service businesses are uniquely vulnerable to the revenue illusion
• The four numbers I track with every single one of my clients:
  • Gross margin by client or project
  • Utilization rate
  • Days sales outstanding (DSO)
  • Owner compensation

This Week's Action Step

I want you to pull one number you haven't been looking at. Just one.

• Gross margin on your biggest client
• Your days sales outstanding
• Your actual owner draw vs. what you planned

The truth is already living in your numbers. You just have to be willing to look. I'll be holding your hand emotionally from here.

No Se Habla Confusion — $500 Financial Assessment for Creative Agencies

Not sure if your business is actually healthy or just busy? That's exactly what this assessment is for.

For creative agencies on QuickBooks Online doing $300K–$3M, I'll dig into your numbers, find the gaps, and give you a clear picture of where you stand and what to fix.

Email info@steadyhandaccounting.com with the subject line No Se Habla Confusion to get started.

No Se Habla Taxes is the podcast for creative agency owners who want to understand the financial side of their business — without drowning in spreadsheets. Hosted by CPA and fractional controller Melissa Armstrong, each episode unpacks real operational finance questions through candid stories and practical insight. Subscribe to the newsletter at steadyhandaccounting.com for episode recaps and financial insights delivered straight to your inbox.

Not sure if your business is healthy or just busy? No Se Habla Confusion is a $500 financial assessment for creative agencies on QBO doing $300K–$3M. I dig into your numbers, find the gaps, and tell you exactly where you stand. Email info@steadyhandaccounting.com — subject line: No Se Habla Confusion.

Let's connect!

LI: https://www.linkedin.com/in/armstrongmelissacpa/

Website: https://steadyhandaccounting.com/

Send Me Your Questions!

Season two is here, and yes, your finances are still a mess. But that's exactly why we're back. I'm Melissa Armstrong, fractional controller and the person who will tell you the financial truth your accountant was too polite to say out loud. This season we're going deep on the stuff that actually keeps founders up at night, from revenue that looks great but hides a fragile business, to the hidden cost of your best client. Short episodes, real talk, no fluff. Subscribe now so you don't miss a thing.

Let's connect!

LI: https://www.linkedin.com/in/armstrongmelissacpa/

Website: https://steadyhandaccounting.com/

Send Me Your Questions!

Welcome to No Se Habla Taxes—the podcast where a CPA does her own bookkeeping and occasionally procrastinates just like the rest of you.

I’m Melissa Armstrong: fractional controller, solo practice owner, and financial translator for founders who’d rather binge Netflix than reconcile a bank statement.

And today’s episode? Ohhh boy. I have a confession...

✋🏼 The Confession

I always tell my clients: stay on top of your books, do your monthly closes, don’t fall behind.

Welp.

I fell behind.

Like... months behind.

Between client projects, life chaos, and general “I’ll get to it later” energy, I opened QuickBooks in November only to realize I hadn’t reconciled a single account since July.

Cue the panic. Dozens of uncategorized transactions. A PayPal balance that looked... sus. An Amazon charge that could’ve been printer ink or cap food.

Oh—and did I mention I’m a CPA?

🧠 The Real Talk

Falling behind doesn’t make you a bad business owner—it makes you human.

But when months pile up:

• 🔍 Your memory fades
• 😰 Your stress spikes
• 💸 Your decisions get fuzzy

That’s when Year-End Panic Mode hits—and that’s what we’re unpacking today.

💡 This Episode Includes:

• My very real bookkeeping meltdown (it’s fine, everything’s fine)
• 6 practical steps to get caught up without spiraling
• A shoutout to my network (hi, Amanda from Element Eight!)
• How to stop the chaos and start fresh—today

✅ Free Resource: The Catch-Up Checklist

Feeling the pressure of year-end catch-up? I’ve got you. Grab my free Catch-Up Checklist—the exact steps I used to dig out of my bookkeeping mess.

📥 Download it here

🎧 If This Sounds Familiar...

You’re not lazy. You’re building something. Sometimes the back end gets messy.

Let’s clean it up—without shame, without overwhelm, and with coffee (and maybe a croissant).

Subscribe to No Se Habla Taxes wherever you listen, and remember:

Stay scrappy, stay smart, and don’t let your Amazon orders haunt you in April.

Let's connect!

LI: https://www.linkedin.com/in/armstrongmelissacpa/

Website: https://steadyhandaccounting.com/

Send Me Your Questions!

Welcome back to No Se Habla Taxes — the podcast where a CPA does her own bookkeeping... and finds financial skeletons in her closet.

I’m Melissa Armstrong: fractional controller, solo practice owner, and your favorite financial translator for founders who’d rather invest in growth than leak money on duplicate apps.

And today? I’m here with a confession that might sound familiar...

💀 I discovered a subscription graveyard lurking in my books — two Canva accounts, duplicate Zoom charges, a forgotten Dropbox, and more.

It started as a simple month-end review in QuickBooks Online… and ended in a digital horror story.

In this episode, I walk you through:

✨ How I realized I was paying twice for the same tools

✨ Why these “just $15” charges quietly wreck your budget

✨ A simple, CPA-approved audit method to catch and cancel the chaos

✨ The real cost of cluttered expenses — beyond the dollars

You’ll also meet my incredible VA, Nicole Leon of El Leon Virtual Assistants, who helps founders get out of the weeds with emotionally intelligent support. (Trust me, she’s a lifesaver.)

And yes — I’m giving you a step-by-step system to run your own Subscription Audit, including:

📌 How to pull and categorize your charges

📌 Spotting duplicates like a financial detective

📌 Ruthlessly cutting the noise

📌 Setting a quarterly reminder so it never happens again

💡 Bonus Tip: I even shout out a virtual card trick that makes cancelling sneaky subscriptions a breeze.

If you’ve ever said “It’s only $15, what’s the big deal?” — this one’s for you.

🎧 Listen now to clean up your own subscription graveyard.

📥 Grab my free Subscription Audit Checklist here.

💬 DM me or tag me if this episode helped you cancel just one zombie charge.

Until next time — stay scrappy, stay smart, and cancel that extra Canva account.

Let's connect!

LI: https://www.linkedin.com/in/armstrongmelissacpa/

Website: https://steadyhandaccounting.com/