Jen Fizer

The Financial Operator

Education EN ↓ 169 episodes

I've spent over a decade in finance and operations, including seven years as an Operational CFO helping businesses through everything from growth to Chapter 11 bankruptcy. I've owned, scaled, and sold my own company, so I understand firsthand the pressure, risk, and grit it takes to be a business owner. Now, as CEO of MKB, I help entrepreneurs get clear on their numbers so they can scale with confidence and stop feeling stuck in the chaos. On this podcast, I sit down with real business owners to talk about the financial challenges they've faced, and the strategies that got them through. From c...

Author

Jen Fizer

Episodes

Financial Stress: What Causes It, and How Do We Fix It? 06.01.2025 9:37

Financial Stress: What Causes It, and How Do We Fix It? | The Mills Knows Bills Podcast | Episode 35, Season 4 Link to video podcast episode: https://youtu.be/D7V0md9U_Mk Welcome to The Mills Knows Bills Podcast! Host Mills Bender, founder and CEO of MKB, discusses strategies for business owners and variable income earners to manage their finances effectively. Let's get to those burning financial...

Common Struggles: Everyday Questions for MKB 30.12.2024 11:08

Common Struggles: Everyday Questions for MKB | The Mills Knows Bills Podcast Episode 34, Season 4 Link to video podcast episode: https://youtu.be/k2w8dg0jWKE Welcome to The Mills Knows Bills Podcast! Host Mills Bender, founder and CEO of MKB, discusses strategies for business owners and variable income earners to manage their finances effectively. Let's get to those burning financial questions! In...

Profit Margins: How to Raise Them 23.12.2024 11:43

Profit Margins: How to Raise Them | The Mills Knows Bills Podcast Episode 33, Season 4 Link to video podcast episode: https://youtu.be/G5bPVlgrgHw Welcome to The Mills Knows Bills Podcast! Host Mills Bender, founder and CEO of MKB, discusses strategies for business owners and variable income earners to manage their finances effectively. Let's get to those burning financial questions! In this episo...

Pricing Strategy: Hurting Your Bottom Line? 16.12.2024 11:38

Pricing Strategy: Hurting Your Bottom Line? | The Mills Knows Bills Podcast Episode 32, Season 4 Link to video podcast episode: https://youtu.be/s7AID_xDs_0 Welcome to The Mills Knows Bills Podcast! Host Mills Bender, founder and CEO of MKB, discusses strategies for business owners and variable income earners to manage their finances effectively. Let's get to those burning financial questions! In...

Company Vehicles: Lease or Buy? 09.12.2024 12:56

Should You Lease or Buy Your Business Vehicle? | The Mills Knows Bills Podcast Episode 31, Season 4 Link to video podcast episode: https://youtu.be/ymKq9lK6QKc Welcome to The Mills Knows Bills Podcast! Host Mills Bender, founder and CEO of Mills Knows Bills, discusses strategies for business owners and variable income earners to manage their finances effectively. Let's get to those burning financi...

How To Improve Cash Flow 02.12.2024 12:32

How to Improve Cash Flow for Your Business | The Mills Knows Bills Podcast Episode 30, Season 4 Link to video podcast episode: https://youtu.be/hUS_kUScNYk Welcome to The Mills Knows Bills Podcast! Host Mills Bender, founder and CEO of Mills Knows Bills, discusses strategies for business owners and variable income earners to manage their finances effectively. Let's get to those burning financial...

How to Make Your Company More Profitable 25.11.2024 10:49

Why Your Company Isn't Profitable, and How to Fix It | The Mills Knows Bills Podcast, Season 4 Link to video podcast episode: https://youtu.be/IEg9zy6NV3U Welcome to the Mills Knows Bills Podcast! Host Mills Bender, founder and CEO of Mills Knows Bills, discusses strategies for business owners and variable income earners to manage their finances effectively. Let's get to those burning financial qu...

Tax Traps To Avoid As Business Owners 18.11.2024 8:42

Tax Traps to Avoid as Business Owners | The Mills Knows Bills Podcast Season 4 Premiere Link to video podcast episode: https://youtu.be/tQd0BD-mczM Welcome back to The Mills Knows Bills Podcast! Let's get to those burning financial questions. In this season 4 premier episode, host Mills Bender welcomes Paul Childers, owner of Blue Sky Biz Solutions, to discuss the importance of showing profit in a...

How To Analyze Profit & Loss Statements 21.10.2024 9:41

Welcome to the Mills Knows Bills Podcast! Host Mills Bender, founder and CEO of Mills Knows Bills, discusses strategies for business owners and variable income earners to manage their finances effectively. Let's get to those burning financial questions! In this season finale episode of the Mills Knows Bills podcast, Mills provides a comprehensive guide to understanding and analyzing your profit an...

How To Scale $1 Million to $10 Million for Blue Collar Businesses 14.10.2024 9:42

Welcome to the Mills Knows Bills Podcast! Host Mills Bender, founder and CEO of Mills Knows Bills, discusses strategies for variable income earners to manage their finances effectively. Let's get to those burning financial questions! Join Mills in this solo cast episode of the Mills Knows Bills podcast as she discusses strategies for mastering fluctuating income and scaling your blue collar busine...

When To Hire Fractional CFOs 07.10.2024 15:04

Welcome to the Mills Knows Bills Podcast! Host Mills Bender, founder and CEO of Mills Knows Bills, discusses strategies for variable income earners to manage their finances effectively. Let's get to those burning financial questions! This episode features a guest appearance by Josh Pies, owner of C47 Digital Studios, to discuss the financial complexities of managing multiple LLCs and the benefits...

How To Hire New Employees With Variable Income 30.09.2024 17:39

Welcome to the Mills Knows Bills Podcast! Host Mills Bender, founder and CEO of Mills Knows Bills, discusses strategies for variable income earners to manage their finances effectively. Let's get to those burning financial questions! In this episode, Mills is joined by Jill Healey, a Realtor with Park Life Group at Keller Williams Winter Park in Florida. The conversation delves into budgeting for...

How To Market Small Businesses 23.09.2024 13:55

Welcome to the Mills Knows Bills Podcast! Host Mills Bender, founder and CEO of Mills Knows Bills, discusses strategies for variable income earners to manage their finances effectively. Let's get to those burning financial questions! In episode 23, Mills discusses effective marketing strategies with Devin Pope, managing director and senior advisor at Nilsine Partners. Join their insightful convers...

Common Mistakes Made By Young Businesses 16.09.2024 17:03

Welcome to the Mills Knows Bills Podcast! Host Mills Bender, founder and CEO of Mills Knows Bills, discusses strategies for variable income earners to manage their finances effectively. Let's get to those burning financial questions! In episode 22, Mills welcomes "coffee-preneur" Eric Rowell of Grit and Grind Coffee, a mobile coffee company. The pair discuss common financial mistakes made by new b...

What To Avoid When Growing A Law Firm 09.09.2024 14:05

Welcome to the Mills Knows Bills Podcast! Host Mills Bender, founder and CEO of Mills Knows Bills, discusses strategies for variable income earners to manage their finances effectively. Let's get to those burning financial questions! In this episode of Mills Knows Bills, Mills welcomes Matthew Wasserman, a personal injury attorney based in Orlando, Florida. Together, they discuss financial strateg...

How To Grow a Healthy Relationship With Money 02.09.2024 8:10

Welcome to the Mills Knows Bills Podcast! As always, we look forward to answering your burning financial questions. In this episode, host and CEO of Mills Knows Bills, Mills Bender, welcomes Kenney Baez of Freedom Wildlife. Although a successful business owner, Kenney struggles to maintain a positive financial mindset. Mills offers valuable tips on how to manage financial stress, reinforce positiv...

Debt Financing vs. Equity Offer 26.08.2024 11:21

Welcome back to an all new season of the Mills Knows Bills Podcast! As always, we look forward to answering your burning financial questions. In this season 3 premiere episode, host Mills Bender welcomes Joey Schuster, CEO and founder of Real Review Response. Let's get to Joey's burning financial question! Mills and Joey discuss the key factors startup founders should consider when deciding betwee...

How To Fund School Tuition 29.07.2024 17:54

Welcome to the Mills Knows Bills Podcast! Host Mills Bender, founder and CEO of Mills Knows Bills, discusses strategies for variable income earners to manage their finances effectively. Let's get to those burning financial questions! In this insightful episode of the Mills Knows Bills podcast, Mills welcomes special guest Christine Chapman, owner of Chapman Education, to share her expertise on nav...

How To Structure Personal Injury Firms 22.07.2024 13:29

Welcome to the Mills Knows Bills Podcast! Host Mills Bender, founder and CEO of Mills Knows Bills, discusses strategies for variable income earners to manage their finances effectively. Let's get to those burning financial questions! *Please note that we had some technical difficulties while shooting this episode. It in no way takes away from the valuable information that you will find! In this e...

What Is a Fractional CFO? 15.07.2024 5:37

Welcome to the Mills Knows Bills podcast! In this solo cast episode, host Mills Bender, founder and CEO of Mills Knows Bills, explains the role and benefits of a fractional CFO for small business owners. Tune in to learn more about how a fractional CFO can provide high-quality financial management and support for your growing business. Whether it's through guest speakers, in-depth financial conver...

Mastering Your Finances During Your Business' Slow Season 08.07.2024 4:19

Welcome to the Mills Knows Bills Podcast! In this episode of Mills Knows Bills, host Mills Bender delivers a solo cast with valuable financial advice for business owners facing slower seasons. Mills discusses strategies such as identifying your slow season through profit and loss analysis, building and utilizing an emergency fund, and effectively using downtime to prepare for peak business periods...

How To Be Financially Reliable With Your Business 01.07.2024 18:28

Welcome to The Mills Knows Bills Podcast! Let's get to those burning financial questions! Welcome to the Mills Knows Bills podcast! In this podcast, host Mills Bender, the founder and CEO of Mills Knows Bills, discusses practical financial strategies for variable income earners to master their money. This episode welcomes guest Michael Morrow, a seasoned construction expert from Northern Ireland,...

Cash Flow or Equity Growth? 24.06.2024 12:50

Welcome to The Mills Knows Bills Podcast! Let's get to those burning financial questions! In this episode of Mills Knows Bills, host Mills Bender welcomes guest Zach Sasser, "The Young Closer," to answer questions on prioritizing cash flow versus appreciation in real estate investments. Drawing from both their extensive experiences, Mills and Zach discuss strategies for achieving financial goals t...

How Much Should You Save? 17.06.2024 14:30

Welcome to The Mills Knows Bills Podcast! Let's get to those burning financial questions! In this episode of the "Mills Knows Bills" podcast, host Mills Bender, founder and CEO of Mills Knows Bills, welcomes Scott Rammage from Hire VP to discuss how variable income earners can effectively manage their finances. Scott, a long-time friend and business owner, seeks advice on separating savings for bu...

How To Invest For Long-Term Wealth 10.06.2024 13:57

Welcome to the Mills Knows Bills Podcast! In this episode of the "Mills Knows Bills" podcast, host Mills Bender, founder and CEO of Mills Knows Bills, welcomes Clifton Muckenfuss, a serial entrepreneur and business coach. Together they discuss tailored financial strategies for entrepreneurs, the importance of setting personal financial goals, and the best investments to secure long-term wealth. Cl...