GILL-TY of Savings (audio)

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

Juan D Guevara Torres — Tue, 18 Aug 2026 22:16:39 +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 01:49:31 +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 01:40:37 +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 01:27:15 +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) - Why Financial Strategy is So Important for Business Owners
(00:02:16) - What usually tells a small business owner that they need a financial strategy
(00:04:37) - Looking Back: Accounting as a Leadership Tool
(00:07:44) - Do Businesses Need Tax Planning?
(00:10:09) - Where do business owners most lose clarity in their numbers?
(00:12:51) - Feeling In Control of Your Money
(00:16:56) - Guilty of Savings
(00:17:25) - Kelly Kaufman: Accounting Is Not Just About Bookkeeping
(00:21:02) - What is the critical metric for small business owners?
(00:23:41) - Does Clean Accounting Help Business Owners Make Faster and More Confident Dec
(00:27:45) - In the Elevator With Accounting Basics
(00:32:18) - CPA Kelly Coughlin on Competitive Strategy
(00:37:32) - Michael Porter's Five Force Analysis
(00:39:56) - Michael Porter's Five Forces
(00:45:00) - Making Big Financial Decisions
(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 Companies
(00:54:45) - What Does a CPA Offer Business Owners?
(00:58:44) - The Three Things in a Financial Advisor
(01:01:59) - Financial Clarity

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

Juan D Guevara Torres — Wed, 22 Jul 2026 16:45:31 +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: Saving Money
(00:02:03) - How to Diagnose Financial Health?
(00:06:00) - Ask for help with your finances
(00:07:22) - Countdown to Savings: One Simple Financial Checkup for Every Person
(00:10:01) - How Financial Pressure Is Affecting You Today
(00:13:58) - How Obesity Debt Can Get
(00:15:56) - Does Financial Stress Affect Your Decision Making?
(00:17:26) - Signs That Spending Has Reached a Mental Health
(00:18:36) - What to Do When You're Overwhelmed With Money?
(00:20:18) - Mindset Shapes Spending and Savings
(00:22:53) - How Does Mindset Shape People's Life?
(00:24:36) - What Money Should You Talk About?
(00:26:29) - Financial Healing: What Does That Look Like?
(00:27:54) - Guilty of Saving
(00:28:52) - Financial Protection
(00:33:39) - Financial Risks Businesses Take
(00:36:49) - Steps to Financial Health