No Se Habla Taxes

Send Me Your Questions! If your agency has grown beyond just you, there is a good chance you are paying for software nobody uses. Three project management tools. Duplicate platforms. A subscription tied to someone who left a year ago. All of it quietly billing, every month, because autopay does not care whether anyone opened the app. In this episode, Melissa walks through a real financial assessme...

Send Me Your Questions! Every agency owner has had a version of this Monday morning: invoices in the inbox, a subcontractor asking when they’re getting paid, a late notice you forgot about, and a vague sense that you’re one missed bill away from a vendor situation. It’s not a cash problem. It’s a systems problem. In this episode, Melissa walks through the financial operations cadence — a simple Tu...

Send Me Your Questions! Most agency founders aren't avoiding their finances because they don't care. They're avoiding them because nobody ever told them what to actually look for. In this episode, Melissa walks through the five numbers every creative agency owner should be reviewing every quarter — and why 45 minutes, four times a year, is the difference between catching problems ea...

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...

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...

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 ban...

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...

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 attentio...

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...

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 Confess...

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 fa...

Send Me Your Questions! 🎙️ Episode: Bank Feeds Betrayal  Welcome to No Se Habla Taxes —the podcast where a CPA does her own bookkeeping and sometimes gets betrayed by QuickBooks itself.  I’m Melissa Armstrong, fractional controller, solo practice owner, and financial translator for founders who’d rather wrestle with client work than with their bank feeds.  And today’s confession?   I trusted Quick...

Send Me Your Questions! Welcome to No Se Habla Taxes , the podcast where I—a CPA and fractional controller—do my own bookkeeping and confess my way through the chaos so you don’t have to feel alone in yours.  In this episode, I get very real about budgeting—specifically, the emotional kind. Not the kind that lives in a pristine spreadsheet, but the one that has to account for things like impulse b...

Send Me Your Questions! If you’ve ever found yourself transferring money from your business account to your personal one “just this once,” this episode is for you.  I get this question all the time —“How do I pay myself from my business the right way?” And honestly? It’s one of the most misunderstood parts of being a solopreneur.  In this episode of No Se Habla Taxes , I’m walking you through:  ✨...

Send Me Your Questions! In this episode of No Se Habla Taxes , I’m confessing something that every solo business owner has probably thought about: giving yourself a raise the moment new money hits the bank.  But before I could celebrate my new client wins with a little extra payout, I had to pump the brakes and take a hard look at what’s actually smart for my business right now.  We’re talking abo...

Send Me Your Questions! In this episode of No Se Habla Taxes , I’m spilling the tea on how I set up my business so I never have to chase another invoice again. Yes, even as a solo CPA doing my own books.  I’m walking you through:  💸 Why every client—project-based or monthly—signs an agreement with autopay built in  📅 How predictable cash flow has saved my sanity (and maybe my rent)  🤔 Common ob...

Send Me Your Questions! In this episode of No Se Habla Taxes , I’m sharing the billing fix I didn’t know I needed—until I hit a wall with clunky invoices, awkward follow-ups, and manually tacked-on credit card fees.  Fresh off the Bridging the Gap conference here in Denver (yes, I only pulled it off because it was local), I got exactly what I came for: tool recommendations from smart, scrappy peer...

Send Me Your Questions! I Refused to Accept Credit Cards—and Slowed Down My Cashflow In this episode of No Se Habla Taxes , I’m coming clean about a hill I used to die on: refusing to accept credit card payments from clients. Yep, I said no to the easiest way to get paid—because I didn’t want to eat the 2.9% fee. I told myself I was protecting my margins. I was wrong. Here’s the truth: every time...

Send Me Your Questions! Welcome to No Se Habla Taxes —the podcast where a seasoned CPA does her own bookkeeping… and lives to tell about it. In this very first episode, I’ve got a confession: I recently sat down to do my own books and could not find the reconciliation screen in QuickBooks Online. Cue the three-tab meltdown (YouTube tutorial, QBO Help Center, and a glass of wine). It was humbling—a...

Send Me Your Questions! Welcome back to No Se Habla Taxes —the podcast where a CPA confesses the kind of stuff that would’ve made her audit professor sweat. In this episode, I’m airing out one of the messiest (and most relatable) money habits I’ve had as a founder: paying for business expenses with my personal credit card… repeatedly, on purpose, and sometimes with a side of cinnamon almonds. Here...

Send Me Your Questions! Welcome to No Se Habla Taxes —the podcast for founders fluent in business, but maybe not so fluent in bookkeeping. I’m Melissa Armstrong, CPA, fractional controller, and your financial translator-in-chief, sharing the behind-the-scenes of doing my own books (and cleaning up my own messes). In today’s episode, I’m confessing my payables chaos:  ✅ Zelle payments with zero pa...

Send Me Your Questions! Welcome to No Se Habla Taxes —the podcast where a CPA does her own bookkeeping, spills all the beans… and then counts them. I’m Melissa Armstrong, your fractional controller and financial translator, here to share the real talk behind the receipts. In this episode, I’m confessing a classic bookkeeping blunder: using my business card for personal expenses . Yep—Target runs,...

Send Me Your Questions! What happens when a CPA does her own bookkeeping and spills the real tea along the way? Welcome to No Se Habla Taxes , the podcast where finance meets founder life in the most honest (and occasionally messy) way. Hosted by Melissa—fractional controller, solo practice owner, and financial translator for early-stage founders—this show is for solopreneurs doing their own books...