From Cashflow and Deposit Stress to Profit Power: What Ramsey and Kiyosaki Would Tell Every Shop Owner

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236

Thu, 18 Dec 2025 20:00:00 +0000

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From Cashflow and Deposit Stress to Profit Power: What Ramsey and Kiyosaki Would Tell Every Shop Owner

Many contracting business owners think the way to fix money stress is to work harder, sell more, or chase bigger jobs. But according to Dominic Rubino, and the lessons

This episode breaks down how simple discipline, clear habits, and the right mindset can turn any shop — from cabinetry to HVAC to electrical — into a profitable, stable business.

Why Cashflow Stress Happens

Most profit loss doesn’t come from one big mistake. It comes from tiny leaks:

  • Rework

  • Overtime

  • Poor planning

  • Material waste

  • Disorganized jobs

  • No financial visibility

Dominic explains that cashflow is the “breathing” of your company. When you lose control of it, everything feels tight and stressful.

Dave Ramsey’s Lessons for Contractors

Ramsey’s approach is all about discipline before growth.
Key takeaways:

Know where every dollar goes

Not just in the books… but in real life.

Build structure before scaling

Chaos + growth = bankruptcy.

Money habits matter more than motivation

Weekly P&L review
Monthly cashflow check
Intentional spending
No fancy gimmicks

These simple habits give you stability and control.

Robert Kiyosaki’s Mindset Shift

Kiyosaki teaches owners to think like investors, not operators.

Work from the neck up

Stop solving every problem with your hands.
Start building systems that run without you.

Build assets that produce income

Your business
Your building
Your equipment
Your contracts
Your investments

Make money work for you

Good shop owners create profit.
Great shop owners create wealth.

The Right Financial People on Your Team

Dominic also explains the difference between:

  • Bookkeeper

  • Accountant

  • Controller

  • CFO

Each plays a different role as your company grows — and most owners stay stuck because they rely on the wrong financial help for the size of the business.

The Mindset Behind Profit Power

Your mindset isn’t just personal — it shapes your balance sheet.
A foreman with a messy truck runs a messy shop.

An owner with a clean money mindset runs a profitable business.

Final Thoughts

Controlling cashflow isn’t complicated. It’s simple, daily discipline, smart financial habits, and shifting your mindset from operator to investor.

That’s how you go from cash stress to profit power.

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