GIRLS WITH GRIT | BAREFOOT CEO
BAREFOOT CFO
Confidence looks good on you. So does a profit account.
MATT PLUMER
MY PROMISE
To help you build a healthy relationship between your business and personal finances that empowers you and gives you confidence to build stress-free wealth.
MATT PLUMER
BAREFOOT CFO
2
THE SMART GIRL MONEY SYSTEM
THE TRUTH
Most agents know List and Sell... Not P&L
The path is all math.
BAREFOOT CFO
3
YOU ARE THE CFO OF EVERYTHING.
Your business finances and your personal finances.
BUSINESS
The business pays you. (Yes, you.)
PERSONAL
Your money builds the life. Trips included.
One system. Zero guessing.
BAREFOOT CFO
4
30,000 FOOT VIEW
Revenue is vanity. Profit is sanity. Cash is king.
BAREFOOT CFO
5
THE WOMEN IN THIS ROOM
25
deals
$520K
average price
2.5%
commission
$325,000
GCI
minus
$25,000
broker costs
=
$300,000
yours to work with
Broker costs = cap, transaction fees, royalties, stock/equity. Does not include agent-to-agent referral fees.
Now the fun question: how much did you keep?
BAREFOOT CFO
6
THE OLD WAY VS. THE SMART GIRL WAY
THE OLD WAY
GCI
minus
EXPENSES
=
PROFIT
Profit is whatever's left.
(Spoiler: nothing's left.)
THE SMART GIRL WAY
GCI
minus
PROFIT
=
EXPENSES
Pay yourself first.
The business lives on the rest.
WHY
Profit isn't what's left over. Profit is what you take first.
Profit First, Mike Michalowicz
BAREFOOT CFO
7
BUILD YOUR MONEY MACHINE
Your cash flow system matters.
BAREFOOT CFO
8
THE 5 CORE ACCOUNTS
INCOME
100%
every deposit lands here first
PROFIT
5%
range 1 to 10%
OWNER'S PAY
50%
range 30 to 50%
TAXES
15%
range 5 to 20%
OPEX
30%
runs the business
Every deposit. Every time. Set it and forget it.
BAREFOOT CFO
9
SPLIT EVERY CHECK
DEPOSIT
$12,000
Profit
5%
$600
Owner's Pay
50%
$6,000
Taxes
15%
$1,800
OpEx
30%
$3,600
WHAT
Transfer on every check, once a week or twice a month.
BAREFOOT CFO
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$300,000 AFTER YOUR BROKER. HERE'S WHERE IT GOES.
50%
15%
30%
5%
PROFIT
$15,000
$1,250 a month
OWNER'S PAY
$150,000
$12,500 a month
TAXES
$45,000
$3,750 a month
OPEX
$90,000
$7,500 a month
That's $12,500 a month in Owner's Pay. Steady. Predictable. Very attractive.
BAREFOOT CFO
11
PROFIT
5%
range 1 to 10%
WHAT
First money out of every deposit. Start at 5%.
WHY
If you don't take profit first, there's never any left.
It's your reward for owning the business.
HOW
Transfer to a high-yield savings account once a month. Transfer to your personal bank account once a quarter.
BAREFOOT CFO
12
OWNER'S PAY
50%
range 30 to 50%
WHAT
Your compensation for doing the work.
30 to 50% of every deposit.
WHY
Commission is a roller coaster. Your paycheck shouldn't be. Your family runs on a steady number.
HOW
Transfer a set amount every single month to your personal bank account. You can also transfer money into a payroll account when you file as an S corp.
BAREFOOT CFO
13
OWNER'S PAY RUNS YOUR HOUSE
1
Owner's Pay hits
your personal account
on set dates.
2
Give every dollar a job
before the month begins.
3
Sinking funds for
the expenses and
experiences you already
know are coming.
WHY
A smart girl with her money is the CFO at home too.
BAREFOOT CFO
14
TAXES
15%
range 5 to 20%
WHAT
5% to 20% of every deposit. This is the government's money. Our goal is to reduce this over time.
WHY
April 15th never surprises you again.
No more tax season panic.
HOW
Transfer to a high-yield savings account once a month. Pay your quarterly estimated taxes once a quarter.
BAREFOOT CFO
15
OPEX
30%
runs the business
WHAT
Everything that runs the business...
WHY
If it's not in the account, it's not available to spend. Boundaries, but for money.
HOW
Review expenses from previous months.
Look forward to what's coming up so you always have money for next month.
BAREFOOT CFO
16
IS IT PAYING YOU BACK?
Know the role. Know the cost. Know the return on your time and money.
COACHING, EVENTS + TRAVEL
Is it filling your cup AND your business?
Growth, energy, relationships. (Like this room.)
MARKETING
Know exactly what every deal costs you.
Plus the extras: staging, extra days on market.
ADMIN
Know every role and exactly what it costs you.
Clear job. Clear return.
OPERATIONS = YOUR OVERHEAD
BAREFOOT CFO
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THE OPEX BUCKETS
Funded inside your 30%.
NEXT MONTH
Live on last month's money. Hello, calm.
NEW HIRE
Save 2-3 months of your next hire's monthly salary
so you're ready before you need them.
EVENTS / TRAVEL
Retreats like this one.
Planned, not panicked.
ANNUAL EXPENSES
Dues, MLS, licensing, next year's tax preparation.
No more surprise bills.
WHY Stabilize the present to structure the future.
BAREFOOT CFO
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HIRING
LET THE MATH
GIVE YOU CLARITY
Need help to grow? You probably already make enough money.
BAREFOOT CFO
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KNOW YOUR HOURLY RATE
WHAT YOU KEEP ÷ HOURS WORKED = YOUR HOURLY RATE
Example: $300,000 ÷ 1,000 hours = $300 per hour
WHAT
Anything that costs less than
your hourly rate to complete
needs to be outsourced
or delegated.
WHY
When you know your numbers, the right leverage will increase the margin in your calendar AND your bank account.
HOW
How many weeks do you want to work? How many days? How many hours? Build it on your desire, not what's available. Think profit first for your time.
BAREFOOT CFO
20
THE NEW
HIRE BUCKET
3
MONTHS OF SALARY, FUNDED FIRST
WHAT
Fund 3 months of the new salary in your New Hire bucket BEFORE you post the job.
WHY
You hire from cash, not from hope. No panic if month two is slow.
BAREFOOT CFO
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This is how you break the cycle.
YOUR MONEY MODEL
AND MINDSET
Proactive > Reactive.
BAREFOOT CFO
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THE MONTHLY MONEY DATE
1
Total revenue
2
How much money did I spend?
3
How much did I pay myself?
4
How much do I have coming in next month?
5
Review profit and loss
THE RULE
Books closed by the 10th. Pour the coffee (or the wine). Review before you spend.
BAREFOOT CFO
23
BUILD YOUR BUCKETS
FOR YOUR QUIET TIME
1
Write your last 12 months GCI, minus what your broker took.
2
Run it through 5 / 50 / 15 / 30.
3
List 3 tasks you do that are below your hourly rate.
4
Name your next hire and the month your New Hire bucket will be full.
Then share one number with another woman in this room.
BAREFOOT CFO
24
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BAREFOOT CFO
25
BE A SMART GIRL
WITH YOUR MONEY.
The path is all math.
MATT PLUMER