Savvy or Surrender - Your Guide to Profit, Cash Flow, and Tax Savings
Running a business shouldn’t feel like a never-ending fight for cash. On Savvy or Surrender, host Steven Young cuts through the noise and shows real business owners how to take control of their numbers, keep more of their hard-earned money, and build a business that actually pays them back.
Each episode gives you practical strategies you can use right away — from fixing cash flow bottlenecks, to implementing Profit First, to unlocking tax savings most owners never hear about. No jargon. No fluff. Just clear guidance, real-talk coaching, and a little humor to keep things human.
Whether you’re a contractor, service pro, or business owner who’s tired of working hard with nothing to show for it, this is your go-to show for leveling up your money decisions and building a business that supports your life… not the other way around.
Choose to be Savvy — or surrender your profit. The choice is yours.
Savvy or Surrender - Your Guide to Profit, Cash Flow, and Tax Savings
Decoding the Business Credit Myth- Steps to Build Business Credit with Jimmy Rios: Episode 16
Title: Decoding the Business Credit Myth-Steps to Build Business Credit with Jimmy Rios: Episode 16
❗Download the episode to learn how to build and use business credit the right way—without accidentally putting your personal finances on the chopping block.
Overall Summary:
In this episode of the Savvy or Surrender Podcast, host Steven Young sits down with Jimmy Rios, business credit expert, author, and founder of Rios Business Advisors. Jimmy shares his expertise on how business owners can establish and grow business credit, the key differences between personal and business credit, and actionable steps to separate your business finances for long-term success. The conversation covers common misconceptions, practical tips for getting started, and the importance of professionalizing your business structure. Whether you’re a new entrepreneur or a seasoned business owner, this episode provides a clear roadmap to unlocking business credit opportunities.
Timestamps:
- 00:00 – Introduction to the episode and guest Jimmy Rios
- 01:21 – Jimmy’s background, family, and business journey
- 03:45 – The story behind Rios Business Advisors and their holistic approach
- 06:50 – Transition to business credit: why it matters
- 07:23 – Common misconceptions about business credit
- 09:36 – Steps to start building business credit (LLC, EIN, business bank account)
- 12:00 – Importance of separating personal and business finances
- 14:10 – Setting up business accounts and net 30 vendors
- 16:00 – Professionalizing your business: address, phone, email, and listings
- 18:00 – Getting your DUNS number and registering with credit bureaus
- 19:41 – Where to apply for business credit first (hardware stores, gas cards, etc.)
- 21:00 – How business credit is reported and how to build it over time
- 23:00 – Differences between personal and business credit bureaus
- 25:00 – Final advice: don’t procrastinate, get started now
- 26:30 – How to contact Jimmy Rios and Rios Business Advisors
- 28:00 – Host’s closing remarks and call to action
Hashtags:
BusinessCredit #Entrepreneurship #SmallBusiness #CreditBuilding #FinanceTips #Podcast #BusinessGrowth #JimmyRios #SavvyOrSurrender
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