Thursday, November 12, 2026
You fix the same problem for the third time this year. Here's why most SME "lessons learned" evaporate — and the 70-20-10 rule that makes them stick instead.
Last updated 13 November 2026. Published by Simple-Growth (Motherbase Limited). Market: United States.
The business paid everyone this month — the team, the suppliers, the landlord. You paid yourself what was left over, which this month was less than last month, and you've stopped mentioning it out loud. You want growth that actually shows up in your own account, not just the business's. What you've actually built is a company that's getting bigger while quietly training you to expect less for yourself, one skipped pay run at a time.
62% of US small business owners have reduced or skipped their own pay at least once in the past year, and 21% have done it four times or more, according to Bluevine's 2026 research (Bluevine, 2026). "Things settling down" isn't a milestone that arrives on its own — it's a decision, and most businesses are structured so there's always a plausible reason to put it off one more month. Growing revenue without growing what lands in your own account isn't really growth. It's a bigger version of the same squeeze.
Mike Michalowicz's Profit First approach flips the usual order of operations. Instead of Sales minus Expenses equals Profit — where owner pay and profit are whatever's left after everything else — it forces Sales minus Profit (and owner pay) equals Expenses, by physically moving set percentages into separate accounts the moment money comes in.
Kevin didn't learn this lesson purely from the outside looking in. Even as a coach, he hired an Icehouse coach of his own to accelerate his growth — a reminder that this isn't about willpower or sacrifice; it's about having someone outside the business enforce a structure you won't reliably enforce on yourself, under pressure, every single month. He's also open with clients that his own run of nine companies founded or co-founded includes genuine failures as well as wins, and that the discipline of paying yourself properly is one of the lessons that cost him real money to learn the hard way, so his clients don't have to.
"Kevin's knowledge and intellect on all things business — no matter what industry it is — he just seems to find gems that you can focus on. I catch up with Kevin once a week and it is definitely the highlight of my week. He just sees different opportunities so clearly."
John Roberts
Co-owner & COO, Oragene
Paying yourself properly feels like it should wait until the business can "afford" it — but the business will always find something else to spend on if the money's sitting there to be found. This isn't for you if you've genuinely decided to reinvest everything deliberately for a defined period with a clear end date — that's a real strategy, not avoidance. It's for owners where "once things settle down" has quietly become the plan itself, with no date attached.
A cash management approach from Mike Michalowicz that allocates profit and owner pay first, as a fixed percentage of revenue, then runs expenses on what remains, rather than paying the owner last from whatever's left over.
The money isn't removed from the business — it moves to a separate account and stays there as profit and reserved owner pay, which forces more deliberate decisions about the remaining expenses.
Start with a modest, sustainable percentage you can actually hold to every month rather than an ambitious one you'll abandon after one tight month.
If you've paid everyone else properly this month except yourself, that's the number we fix first.
Tuesday, October 20, 2026
A private, unwritten goal succeeds about 35 percent of the time. One with a weekly accountability check-in succeeds more than 70 percent of the time. Here's why that gap exists.
Tuesday, October 20, 2026
Roughly 65 percent of small businesses are tied so closely to their owner they'd struggle to run without them. Here's Gerber's E-Myth framework for finally getting out of the technician's chair.
Tuesday, October 20, 2026
42 percent of B2B businesses do nothing proactive during the pre-Christmas slowdown. Here's what the ones who keep selling do differently, and why January rewards them for it.
Monday, October 19, 2026
Is Vistage worth it? A fair, source-linked look at what peer advisory groups offer US business owners, a checklist for deciding, and how one-on-one coaching differs.
Monday, October 19, 2026
Most small business owners know they don't compete on price, but can't say, in one sentence, what they compete on instead. Here's the three-step framework that fixes it.
Monday, October 19, 2026
A strong December can feel like proof you're growing. It can also be the reason nobody builds the pipeline that carries January. Here's the three-question check to run now.
Monday, October 19, 2026
A good coach doesn't start with your goals. They start with three numbers most owners can't answer on the spot, and that gap tells them exactly where to begin.
Monday, October 19, 2026
Most SME owners have tried an AI tool this year. Few can say, in hours, what it actually saved them. Here's the test that tells the difference, and the first step to take.
Monday, October 19, 2026
By the time a prospect calls you, they've already done most of their own research. Here's the sales approach built for exactly that moment, and why most SME pitches skip it.
Monday, October 19, 2026
Social platforms can change the rules on your reach overnight. Here's the one marketing channel no algorithm can take away from you, and why most SME owners still starve it.
Monday, October 19, 2026
A new survey says 53% of small business owners are stuck on finding customers. Here's the one-question test that finds out whether that's really your constraint, or just the easiest one to blame.
Sunday, October 18, 2026
ActionCOACH, Business Blueprint, government-backed advice and independent coaches compared fairly for Australian owners, with best-for and not-ideal-if for each.
Sunday, October 18, 2026
An executive coach develops you as a leader. A business coach works on the business itself. Here is how to tell which one an NZ SME owner needs before paying for either.
Sunday, October 18, 2026
Most SME owners can tell you their revenue. Almost none can tell you which customers are actually making them a profit. New 2026 research shows why that gap is the real growth problem, and a three-step fix.
Sunday, October 18, 2026
The average small business gets 27 percent of revenue from one customer. Here is the three-question check that tells you whether your growth is real, or just concentration in disguise.