Small Business Money School by Gina Knox

What This Course Delivers

Small Business Money School is a 12-month financial coaching program by Gina Knox, former QuickBooks researcher at Intuit who analyzed the financials of over 400 businesses globally. The program teaches entrepreneurs with inconsistent income how to build business savings to $100,000, pay off debt, and pay taxes in full. Includes 153 video lessons, 20 PDFs, 8 spreadsheets, and over 90 hours of content totaling 31.58 GB.

Course Contents at a Glance

🎬 153 Video Lessons — 90h 11m 43s

📕 20 PDF Resources — Workbooks, templates, guides

📊 8 Spreadsheet Tools — Cash flow planners, profit & loss trackers, debt calculators

💾 Total Download: 31.58 GB

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What You Will Master in Small Business Money School

✅ Build a business savings buffer and track savings using Gina's proven spreadsheet system designed for entrepreneurs with inconsistent income

✅ Calculate your projected debt-free date and implement the Minimum Payment Leapfrog method to accelerate debt payoff timelines

✅ Set up the three essential bank accounts and manage cash flow using the business buffer system that prevents personal accounts from subsidizing business expenses

✅ Create accurate profit and loss projections for the next 30 days, whether running launches, evergreen funnels, or product-based businesses

✅ Break the debt cycle by distinguishing between “keep the lights on” debt and high-ROI investment debt, then apply targeted solutions for each type

✅ Develop unbothered energy around money by reframing emotional responses to bank balances, debt, expense increases, and sales fluctuations

✅ Master the pay-yourself framework with specific strategies for four business phases: baseline earning, maintaining, scaling, and downshifting

✅ Identify habit loops that perpetuate financial problems, including low-ROI investments and spending sales revenue before deals close

✅ Execute the Hot Money Mess cleanup system to organize chaotic bank account structures, whether using Profit First or single checking accounts

✅ Use financial projections to make investment decisions, maximize efficiency, and determine when spending more money will generate higher returns

Who Is Small Business Money School Designed For?

• The Inconsistent Income Entrepreneur — Revenue swings between $3K and $15K monthly, making it impossible to predict what can be safely withdrawn. Personal savings constantly cover business shortfalls. Module content on managing variable income provides projection systems that work for launches, evergreen funnels, and seasonal businesses, with specific pay-yourself formulas for each revenue phase.

• The Debt-Cycling Business Owner — Business credit cards get paid off, then immediately maxed out again the following month. The same $8K-$12K balance rotates perpetually. The 30 Day Debt Challenge breaks down the two types of business debt and provides targeted solutions, plus the Minimum Payment Leapfrog method that speeds up debt-free timelines without requiring extra capital.

• The Tax-Surprised Service Provider — Quarterly estimated taxes never get paid because the money always gets absorbed into operations. April brings panic and payment plans. The savings modules teach how to calculate and set aside tax payments in real-time, plus the exact bank account structure that prevents tax savings from being raided for expenses.

• The Revenue-Rich, Cash-Poor Contractor — Invoicing $20K-$40K monthly but perpetually broke because of the gap between accounts receivable and accounts payable. Personal credit cards bridge the gap. Office Hour Replays (47 sessions spanning 2024-2025) address real-time cash flow problems, offering coaching on managing client payment delays and expense timing.

• The Investment-Addicted Course Creator — Spent $30K on business coaching, courses, and masterminds in the last 18 months with minimal ROI. New launch revenue immediately funds the next program purchase. Day 12's module on low/no ROI business investment debt and Day 40's training on impulse business investments provide decision frameworks that distinguish between productive and destructive spending.

• The Avoidant Bookkeeper — QuickBooks hasn't been opened in 4-6 months. Bank account reconciliation is theoretical. Month-end closes don't happen. The bonus training “How Does Gina Reconcile Her Books in 10 Minutes a Month” and the Profit & Loss spreadsheet setup provide a simplified tracking system that doesn't require accounting software expertise.

Full Curriculum Breakdown

2022 Money Making Mindset Challenge Replays

10 video sessions from the 2022 challenge covering foundational money mindset shifts for entrepreneurs. Each replay addresses specific mental blocks around wealth-building, pricing, and financial decision-making. Includes the Business Debt Spreadsheet template for tracking all business liabilities.

Duration: 10h 26m 50s

2023 Money Making Mindset Challenge Replays

5 video sessions from the 2023 challenge iteration, refining the mindset frameworks introduced in 2022 with updated strategies for handling economic uncertainty and market shifts.

Duration: 5h 32m 36s

2024 Office Hour Replays

29 live office hour recordings where Gina provides real-time coaching on student money situations, covering cash flow emergencies, pricing decisions, tax planning, and debt management. Each session addresses multiple student questions with specific tactical solutions.

• August 6th, 13th, 20th Office Hours
• July 2nd, 9th, 16th, 23rd, 30th Office Hours
• June 4th, 11th, 18th, 25th Office Hours
• September 3rd, 10th, 17th, 24th Office Hours
• October 1st, 8th, 15th, 22nd, 29th Office Hours
• November 5th, 12th, 19th, 26th Office Hours
• December 3rd, 10th, 17th Office Hours
• 📕 Resource: The EMPIRE 2025 Calendar by Xtina Harmsworth

Duration: 30h 22m 06s | 29 sessions covering 9 months

2025 Office Hour Replays

18 live office hour recordings from January through May 2025, continuing the real-time coaching format with current-year financial scenarios, tax updates, and business planning.

• January 7th, 14th, 21st, 28th Office Hours
• February 4th, 11th, 18th, 25th Office Hours
• March 4th, 11th, 18th, 25th Office Hours
• April 1st, 8th, 15th, 22nd, 29th Office Hours
• May 6th Office Hours

Duration: 19h 53m 51s | 18 sessions across 5 months

30 Day Debt Challenge

A 32-lesson intensive program specifically designed to eliminate business debt using Gina's projection-based payoff system.

• Introduction: 30 Day Pay Off Challenge
• Day 1: Calculate Your Projected Debt Free Date
• Day 1 (Part 2): What if I'm Putting Monthly Expenses on a Card While Trying to Pay Off the Old Balance
• Day 2: Minimum Payment Leapfrog To Speed Up Debt Free Timeline
• Day 3: Use Your P&L to Figure Out How Much You Can Put Towards Debt
• Day 4: How to Add Debt Payments Into Your P&L
• Day 5: Using Your Projections to Pay Down Debt
• Day 6: Catch Up on Taxes or Pay Off Debt
• Day 7: Check-In
• Day 8: How Did You End Up Here
• Day 9: The 2 Types of Business Debt
• Day 10: SOLVE — Keep the Lights On Debt, 1 Month Oopsie
• Day 11: SOLVE — Not Breaking Even for 3+ Months in a Row
• Day 12: SOLVE — Low/No ROI Business Investment(s)
• Day 13: SOLVE — High ROI Business Investment Debt
• Day 14: Week 2 Check-In
• Day 15: Cancel Things You Don't Need Day
• Day 16: Write a Letter to Your Debt
• Day 17: Habit Loops
• Day 18: Habit Loop — Keep Making Low/No ROI Investments
• Day 19: Habit Loop — Spending Your Sales Money Before You Close the Sale
• Day 20: Habit Loop — Not Sweating the Small Things
• Day 21: How to Identify Your Current Problem Correctly
• Day 22: Maximize Your Efficiency
• Day 23: Week 3 Check-In
• Day 24: Making More Money to Pay Off Debt
• Day 25: What to Do When You Don't Know What to Do
• Day 26: Getting Past a Freeze Response
• Day 27: When Your Goal Is Going to Take Too Long
• Day 28: When You Can't Control the Circumstances
• Day 29: Eliminating Panic Before We Make the Situation Worse
• Day 30: Make More Sales in the Next 7-14 Days

Duration: 8h 40m 46s

2024 Tax Savings Challenge Replays

5 rapid-fire training sessions focused exclusively on tax savings strategies for entrepreneurs, including entity structure optimization and quarterly payment planning.

Duration: 36m 57s

Hot Money Mess Clean Up Day

8-part system for reorganizing chaotic business finances, including bank account restructuring and money systems implementation.

• Lesson 1: The Hot Mess Spiral
• Lesson 2: Hot Mess Spiral Coaching
• Lesson 3: Bank Account Cleanups Intro
• Lesson 4: What To Do If All Your Bank Accounts Are Personal
• Lesson 5: What To Do If You're Using Profit First Section 1
• Lesson 6: What To Do If You're Using Profit First Section 2
• Lesson 7: What To Do If You Only Have a Business Checking Account
• Lesson 8: Money Systems Coaching

Duration: 3h 43m 44s

Bonuses + Webinars

5 masterclass-style trainings covering advanced financial topics beyond the core curriculum.

• Dismantling Limiting Beliefs About Money
• Financial Order of Operations
• Money Moves for Navigating A Recession
• Pivot to Profit Masterclass
• Retirement for Entrepreneurs with Evelyn Huang

Duration: 4h 30m 54s

Core Training Modules (Root Level Content)

50 foundational lessons that form the sequential training backbone of the program, covering savings, projections, payment systems, and profitability optimization.

Savings & Buffer System:

• Lesson 1: The Business Problems That Get Solved When You Build Your Business Savings
• Lesson 2: Track Your Savings
• Lesson 3: How to Manage Inconsistent Income and Save
• Lesson 4: The 3 Bank Accounts You Need
• Lesson 5: How to Hit Your Buffer Number for the First Time
• Lesson 6: What to Do If You're Always Under Your Buffer
• Lesson 7: BONUS — How Does Gina Move Money to Working Capital
• Lesson 8: BONUS — Getting Past a Savings Plateau

Financial Systems:

• Lesson 9: Set Up Your Profit & Loss Spreadsheet
• Lesson 10: Fill In Your Spreadsheets Fast
• Lesson 11: How to Save to Pay in Full for Taxes
• Lesson 12: Your Monthly Money Checklist
• Lesson 13: BONUS — How Does Gina Reconcile Her Books in 10 Minutes a Month
• Lesson 14: BONUS — How Does Gina Make a Spending Plan

Goal Setting & Revenue:

• Lesson 15: Set an Annual Goal That Grounds Your Year
• Lesson 16: Identify What's BLOCKING Sales and Fix It
• Lesson 17: Get a Personalized Make More Money Review

Pay Yourself Framework:

• Lesson 18: How to Pay Yourself If You're Not Earning Enough to Cover Your Baseline
• Lesson 19: How to Pay Yourself If You're Maintaining
• Lesson 20: How to Pay Yourself If You're Scaling
• Lesson 21: How to Pay Yourself If You're Downshifting
• Lesson 22: BONUS — How Does Gina Decide What to Pay Herself
• Lesson 23: BONUS — How Does Gina Give Herself a Raise

Mindset & Emotional Regulation:

• Lesson 24: The 1 Thing You Need to Do to Get Out of Money Avoidance
• Lesson 25: Unbothered Energy Introduction
• Lesson 26: Feel Better About Your Bank Balance
• Lesson 27: Feel Better About Your Debt
• Lesson 28: Feel Better When Your Monthly Expenses Increase
• Lesson 29: Feel Better About Your Sales

Projections & Planning:

• Lesson 30: How to Use Projections to Make the Best Possible Business Decisions
• Lesson 31: Project Your Profit in the Next 30 Days (Do This on the 1st of the Month)
• Lesson 32: How to Project Your Sales If You Do Launches
• Lesson 33: How to Project Sales If You Sell on Evergreen or Are Product Based

Debt Management:

• Lesson 34: Get Out of the Debt Cycle for Good
• Lesson 35: If You Use Your Biz CC for Regular Monthly Expenses
• Lesson 36: What to Do If You're Holding Debt
• Lesson 37: BONUS — How Does Gina Pay Off Her Business Credit Card

Profitability & Investment:

• Lesson 38: How You'll Increase Your Profitability
• Lesson 39: Spend More to Save More
• Lesson 40: Watch This Before Making an Impulse Business Investment
• Lesson 41: BONUS — How Does Gina Manage Unexpected Expenses

📕 Resources:

• Community Guidelines PDF
• Cash Flow Planner spreadsheet (3 versions)
• 2024 Business Profit & Loss spreadsheet (2 versions)
• 2025 Business Profit & Loss spreadsheet
• Money Making Mindset Challenge fillable workbook (2 versions)

Included Bonuses

✅ 47 Office Hour Replay Sessions (2024-2025) — Real-time group coaching covering cash flow emergencies, pricing strategy, tax planning, and debt scenarios. Each session includes Q&A addressing multiple student situations with tactical solutions. Over 50 hours of live coaching content.

✅ Business Financial Spreadsheet Templates — Pre-built Excel spreadsheets including the Cash Flow Planner for managing variable income, the Business Profit & Loss tracker for monthly reconciliation, and the Business Debt Spreadsheet for calculating debt-free dates and payment strategies.

✅ Money Making Mindset Challenge Complete Archives — Recorded replays from the 2022 and 2023 challenges (15 sessions totaling nearly 16 hours), plus fillable PDF workbooks for identifying and dismantling limiting beliefs around money, pricing, and wealth.

✅ Tax Savings Challenge Series — 5-part rapid training on reducing tax liability, structuring quarterly payments, and optimizing entity selection for maximum savings (37 minutes total).

✅ Expert Guest Masterclass: Retirement Planning — Full training session with Evelyn Huang on retirement account options for entrepreneurs, including Solo 401(k), SEP IRA, and self-directed investing strategies.

About Gina Knox

Gina Knox is a financial coach for entrepreneurs who took an unconventional path into money coaching. After graduating from California College of Arts, she spent five years at Intuit working on QuickBooks as a Design Researcher and Strategist, where she analyzed the backend financials of over 400 businesses globally. This role gave her direct exposure to the real financial patterns, mistakes, and systems used by small businesses across industries.

Following her time at QuickBooks, Gina transitioned into coaching entrepreneurs with variable income on building savings, eliminating debt, and creating sustainable pay-yourself systems. She developed her signature buffer-based savings method and projection frameworks specifically for businesses with inconsistent revenue.

Verified Credentials:

✅ Former QuickBooks Design Researcher and Strategist at Intuit for 5 years

✅ Analyzed financial data from over 400 businesses globally during tenure at QuickBooks

✅ Helped clients collectively save over $8.2 million in business savings (verified as of October 2024)

✅ Created the 6 Figure Saver program teaching entrepreneurs to save $100K in business savings

✅ Hosts the Small Business, Big Money podcast, sharing financial strategies for entrepreneurs

✅ Graduated from California College of the Arts

✅ Appeared as a guest expert on multiple entrepreneurship podcasts including Boss Project, Systems with Sam, and Resultsology

✅ Featured in Authority Magazine's “Female Disruptors” series discussing financial coaching innovation

What Problems Does Small Business Money School Solve?

“I make good revenue but I'm always broke because I can't predict which months will be high or low” — Lessons 3, 31, 32, and 33 teach income projection systems tailored to three business models: launch-based, evergreen, and product-based. The Cash Flow Planner spreadsheet maps out 90-day revenue forecasts, showing exactly how much can be safely withdrawn versus what needs to stay in the business buffer.

“I paid off my business credit card last quarter and it's already maxed out again” — The 30 Day Debt Challenge distinguishes between “keep the lights on” debt (regular expenses charging to cards) and investment debt (one-time purchases). Days 10-13 provide different payoff strategies for each type, while Lesson 35 restructures cash flow so monthly expenses stop hitting credit cards entirely.

“I owe $15K in back taxes because I spent the money I should have saved for quarterly payments” — Lesson 11 breaks down the save-to-pay-in-full tax system using a separate bank account that's off-limits for operating expenses. The 2024 Tax Savings Challenge (5 videos) covers entity structure optimization and quarterly payment calculations that prevent year-end surprises.

“I've spent $40K on courses and masterminds but my revenue hasn't increased proportionally” — Day 12 of the Debt Challenge addresses low/no ROI business investments, teaching how to calculate actual return on coaching and course purchases. Lesson 40 provides a decision framework for evaluating business investments before purchase, including questions about implementation capacity and revenue attribution.

“I don't know if I'm in a revenue problem or a spending problem” — Lesson 16 teaches Gina's sales-blocking diagnostic system that identifies whether low revenue comes from offer issues, visibility gaps, or conversion problems. Lesson 38 covers profitability analysis using the P&L spreadsheet to determine if the business has a margin problem versus a volume problem.

“I avoid looking at my bank accounts because the numbers stress me out” — Lessons 24-29 comprise the Unbothered Energy module, which reframes emotional responses to financial data. Each lesson addresses a specific trigger: bank balance anxiety, debt shame, expense increase panic, and sales fluctuation stress, providing cognitive techniques for emotional regulation around money.

“My personal accounts subsidize my business every month and I don't know how to stop” — The Hot Money Mess Clean Up Day (8 videos) reorganizes bank account structures where personal and business funds are intermingled. Lesson 4 specifically addresses businesses operating entirely from personal accounts, providing a transition plan to separated business banking.

What Makes Small Business Money School Different from Other Business Finance Courses

The Buffer-Based Savings System — Rather than using Profit First percentages or arbitrary savings goals, Gina's method calculates a personalized buffer number based on actual monthly operating expenses, then teaches variable-income entrepreneurs how to maintain that buffer despite revenue fluctuations. The system accounts for launch-based, evergreen, and seasonal business models with different projection formulas for each.

Four-Phase Pay-Yourself Framework — Most finance courses teach a single withdrawal strategy. Small Business Money School provides distinct pay-yourself formulas for four business states: baseline earning (not yet profitable), maintaining (consistent profitability), scaling (rapid growth), and downshifting (intentional revenue reduction). Lessons 18-21 match withdrawal strategies to current business phase rather than applying one-size-fits-all percentages.

Real-Time Problem Solving Through Office Hours — The 47 office hour replays spanning 2024-2025 provide coaching on actual student scenarios including cash flow emergencies, client payment delays, unexpected tax bills, and vendor payment timing. Unlike static curriculum, these sessions address problems as they emerge in real businesses with specific dollar amounts and timelines.

Debt Categorization System — The 30 Day Debt Challenge separates business debt into two categories requiring different solutions: “keep the lights on” debt (regular operating expenses cycling on credit) and “investment debt” (one-time purchases for growth). Days 10-13 provide targeted strategies for each type instead of generic debt payoff advice.

Projection-Based Decision Making — Lessons 30-33 teach financial forecasting specifically for variable-income businesses, allowing entrepreneurs to project next month's profit based on current sales pipeline, planned launches, or seasonal patterns. The projections inform pay-yourself amounts, debt payment capacity, and investment decisions rather than making choices based on current bank balance.

Frequently Asked Questions About Small Business Money School

What is Small Business Money School about?

Small Business Money School is a 12-month financial coaching program teaching entrepreneurs with variable income how to build business savings to $100,000, eliminate business debt, and pay taxes in full. The program uses a buffer-based savings system, projection-driven planning, and a four-phase pay-yourself framework designed specifically for businesses with inconsistent revenue.

Who created Small Business Money School?

Gina Knox created Small Business Money School. She spent five years as a Design Researcher and Strategist at Intuit working on QuickBooks, where she analyzed the financials of over 400 businesses globally. She transitioned from product research into financial coaching, developing systems for entrepreneurs with variable income. Her clients have collectively saved over $8.2 million in business savings.

What is included in Small Business Money School?

The program includes 153 video lessons totaling 90 hours and 11 minutes, 20 PDF resources, 8 spreadsheet tools (cash flow planners, P&L trackers, debt calculators), and 31.58 GB of content. Major components include the 30 Day Debt Challenge (32 videos), 47 office hour coaching replays from 2024-2025, the Hot Money Mess Clean Up system (8 videos), 50 core training lessons, and bonus masterclasses on topics like recession planning and retirement for entrepreneurs.

Who is Small Business Money School best suited for?

The program is designed for entrepreneurs with variable income who struggle with inconsistent cash flow, rotating business credit card debt, tax payment difficulties, or personal accounts subsidizing business operations. It works for service providers, course creators, coaches, and product-based businesses experiencing revenue fluctuations between $3K-$40K monthly who need systems that accommodate income unpredictability rather than assuming steady cash flow.

What will I learn in Small Business Money School?

The curriculum teaches the buffer-based savings system for building business reserves with inconsistent income, the Minimum Payment Leapfrog debt payoff method, profit and loss projection for launch-based and evergreen businesses, the four-phase pay-yourself framework (baseline/maintaining/scaling/downshifting), bank account structure for separating business and personal funds, the two-category debt system distinguishing operating debt from investment debt, and emotional regulation techniques for reducing financial avoidance.

What format is Small Business Money School delivered in?

The program consists of 153 video lessons in .ts and .mp4 format totaling over 90 hours, 20 PDF documents including workbooks and guides, and 8 Excel spreadsheets (.xlsx) for cash flow planning and profit tracking. Total download size is 31.58 GB. Content is organized into 8 main modules plus 50 root-level core lessons.

Does Small Business Money School include any bonus materials?

Yes. Bonuses include 47 office hour coaching replays from 2024-2025 (over 50 hours of live Q&A), pre-built financial spreadsheet templates (Cash Flow Planner, Business P&L, Debt Tracker), complete Money Making Mindset Challenge archives from 2022 and 2023 (15 sessions with fillable workbooks), the Tax Savings Challenge series (5 videos), and a retirement planning masterclass with guest expert Evelyn Huang.

What is Gina Knox known for?

Gina Knox is known for her five-year tenure as a QuickBooks researcher at Intuit where she analyzed over 400 business financials, her $8.2 million in verified client savings results, and her Small Business, Big Money podcast. She has been featured in Authority Magazine's Female Disruptors series and appears as a financial strategy expert on entrepreneurship podcasts including Boss Project and Systems with Sam.

How is Small Business Money School different from other business finance courses?

The program uses a buffer-based savings calculation personalized to actual operating expenses rather than generic percentage rules, provides four distinct pay-yourself strategies matched to business phase instead of one-size-fits-all withdrawal formulas, includes 47 real-time office hour coaching sessions addressing actual student scenarios with specific dollar amounts, categorizes debt into two types requiring different solutions, and teaches projection-based decision making for variable-income businesses rather than relying on current bank balance.