GILL-TY of Savings

GILL-TY OF SAVINGS (Aired 08-18-26) Building Confidence in Retirement Planning

Juan D Guevara Torres — Tue, 18 Aug 2026 22:16:37 +0000

Host Divya Gill speaks with wealth advisor Kiersten Crum about retirement income, Social Security strategies, tax-efficient planning, risk management, and business succession. They discuss practical steps business owners, families, and younger professionals can take to build financial confidence and prepare for the future.

GILL-TY OF SAVINGS (Aired 08-11-26) Leading Sustainable Business Growth

Juan D Guevara Torres — Wed, 12 Aug 2026 01:51:33 +0000

Host Divya Gill speaks with Dr. Deepak Bhutra about leading through business pressure and change. They explore talent development, trust, sales discipline, sustainable revenue, leadership resilience, career ownership, and the role of human potential in long-term financial performance.

GILL-TY OF SAVINGS (Aired 08-04-26) Building Sustainable Business Profit

Juan D Guevara Torres — Thu, 06 Aug 2026 01:40:34 +0000

Host Divya Gill speaks with business strategist Doreen Milano about the difference between revenue and profit, business turnarounds, and sustainable growth. They discuss financial discipline, scalable systems, leadership, employee training, and how company culture and core values influence profitability.

GILL-TY OF SAVINGS (Aired 07-28-26) Financial Strategy for Smarter Business Growth

Juan D Guevara Torres — Wed, 29 Jul 2026 01:33:01 +0000

Host Divya Gill speaks with CPA and business strategist Kelly Coughlin about moving beyond reactive accounting and tax preparation. They discuss financial clarity, year-round tax planning, accounting as a leadership tool, competitive strategy, and the value of a strong advisory relationship between business owners and their CPAs.

Chapters

(00:00:00) - Kelly Coughlin
(00:02:16) - What usually tells a small business owner they're operating without a financial
(00:04:37) - Looking Back: Accounting as a Leadership Tool
(00:07:44) - Tax Planning
(00:10:09) - Where Do Business Owners Lose Financial Clarity?
(00:12:51) - Financial Tips for Starting a Business
(00:16:56) - Guilty of Savings
(00:17:25) - Accounting Is Not Just Bookkeeping
(00:21:02) - The Metrics Every Small Business Needs to Understand
(00:23:41) - Does Clean Accounting Help Business Owners Make Faster and More Confident Dec
(00:27:45) - Compensation and Taxes
(00:32:18) - Kelly Coughlin on Business Strategy
(00:36:49) - What is Your Unique Offerings?
(00:37:32) - Michael Porter's Five Force Analysis
(00:39:56) - Five Forces and Small Business Strategy
(00:45:00) - Big Decisions Made for Business
(00:47:39) - Guilty of Savings
(00:48:25) - The Relationship CPAs and Financial Advisors Need
(00:49:05) - CPA Advice for Small and Medium Businesses
(00:54:45) - What Does a CPA Know That Business Owners Need?
(00:58:30) - The 3 Things to Look For in a CPA Advisor
(01:01:59) - Financial Clarity: What You Need to Know

GILL-TY OF SAVINGS (Aired 07-21-26) Building Stronger Financial Health

Juan D Guevara Torres — Wed, 22 Jul 2026 16:45:29 +0000

In this episode of Guilty of Savings, host Divya Gill, CPA, sits down with Dr. Wendy Labat, known as the Financial Healer and creator of the Financial Cures System, to explore how people can improve their financial health and regain control of their money.

Chapters

(00:00:00) - Financial health: How to save money effectively
(00:02:03) - How to Diagnose Financial Health?
(00:06:00) - Ask for help with your finances
(00:07:25) - Blame Money on Inflation
(00:10:01) - Dr. Wendy Labat on Financial Pain
(00:13:58) - How Obese Debt Can Get
(00:15:56) - Does Financial Stress Affect Decision Making?
(00:17:26) - Signs That Spending Has Reached a Real Health
(00:18:36) - What to Do When You're Overwhelmed With Money?
(00:20:17) - Mindset Affects Financial Behavior
(00:22:53) - How Does Mindset Shape People's Life?
(00:24:36) - What Money Should You Do With Your Money
(00:26:29) - Financial Confidence
(00:27:54) - Guilty of Savings
(00:28:52) - Financial Protection
(00:33:38) - Financial Risks Entrepreneurs Understand
(00:35:09) - Financial Freedom and How to Get It
(00:36:49) - What Financial Care Would You Take to Cope?