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The Cash Flow CFO Podcast

The Cash Flow CFO Podcast

By: Andrea Jenson
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About this listen

Hey everybody, welcome to The Cash Flow CFO podcast, the show that explores the financial side of running a business for people who want to maximize profitability and scale with confidence.

If you want to make smart financial decisions based on data and put more of your hard-earned profits into your pocket, this is the podcast for you.

The Cash Flow CFO Podcast is brought to you by The Cash Flow CFO. Did you know that, on average, business owners have up to 84% of their personal net worth tied up in their business? Our team of virtual CPAs and CFOs, as well as accounting and bookkeeping experts empower business owners just like you to make big leaps that help them maximize profitability and scale with confidence.

Visit thecashflowcfo.com for more information, and thank you for listening.

2022 Hustle for Good Network Economics Personal Finance
Episodes
  • Focus, Partnerships & Profits in Real Estate with Aaron Fragnito

    Focus, Partnerships & Profits in Real Estate with Aaron Fragnito
    Aug 11 2025

    The learning curve costs money—I didn’t make very good returns on my first investments, but I probably learned $200,000 worth of education.

    - Aaron Fragnito


    In this episode, we’re discussing real estate investment strategies. with Aaron Fragnito. Aaron is the Co-founder of Peoples Capital Group as well as a full time real estate investor with a primary focus on helping Accredited Investors, Family Offices and RIA's preserve their wealth in real estate. He is also the host of the New Jersey Real Estate Network (NJREN), the Passive Cash Flow Podcast and was an adjunct professor writing and teaching the course “Real Estate Entrepreneurship” at Rowan University. Aaron has built an 8 figure Real Estate Portfolio and is a well known name throughout the New Jersey Real Estate investment industry.

    Join us to learn the whole story!


    "You can buy a bad deal but be a good manager and make it into a good deal; you can buy a good deal but be a bad manager and turn it into a bad deal."

    - Aaron Fragnito


    Why Real Estate Can Be a Smart Move

    I talked with Aaron about why many people choose real estate over the stock market. He explained that real estate can offer steady cash flow, tax benefits, and the chance to grow wealth over time. Many wealthy families put most of their money into alternatives like real estate, not just stocks. Aaron says it’s important to think about your long-term goals and learn from people who already have the kind of wealth you want.

    Starting Your Real Estate Journey

    Aaron shared that before diving in, you should figure out how you learn best. Whether it’s reading, listening to podcasts, or watching videos, there’s no shortage of good information out there. He suggests using “no extra time” moments—like driving or doing chores—to fit in learning. For busy business owners, he recommends starting as a passive investor with a trusted operator so you can see how deals work without taking on all the headaches yourself.

    Why Passive Investing Often Makes Sense

    Owning and managing properties isn’t always glamorous. Aaron shared some tough lessons from early deals—like dealing with bad tenants, unhelpful property managers, and unexpected repairs. He says the learning curve is expensive, and most business owners can make more money by staying focused on what they do best. By investing with a skilled operator, you can still benefit from real estate while avoiding tenants, toilets, and trash.

    Keeping Focus and Avoiding Distractions

    Aaron also talked about keeping his company focused on what they do best—buying and managing large apartment buildings in New Jersey. Instead of trying to do everything in-house, they partner with trusted contractors and specialists, which keeps the business lean and effective. His advice: know what you sell, avoid distractions, and be the best in your niche. This way, you can grow steadily without losing sight of your main goal.



    "Know what your service is and just do it really darn well—be the best person in that industry at it."

    - Aaron Fragnito



    Want to get in touch with Andrea Jenson?


    Website: https://thecashflowcfo.com/


    Podcast: https://pod.co/the-cash-flow-cfo-podcast


    LinkedIn: https://www.linkedin.com/company/the-cash-flow-cfo/


    Facebook: https://www.facebook.com/thecashflowcfo/


    Instagram: https://www.instagram.com/cashflowcfo/


    YouTube: https://www.youtube.com/channel/UC0kQopRCt9TEbgYjmqA4SMQ



    Want to get in touch with Aaron Fragnito?


    Website: www.peoplescapitalgroup.com

    Email: aaron@peoplescapitalgroup.com
    Show More Show Less
    35 mins
  • Hiring Beyond the Resume: Finding the Right Fit for Your Team with Jamie Van Cuyk

    Hiring Beyond the Resume: Finding the Right Fit for Your Team with Jamie Van Cuyk
    Jul 21 2025
    "Even when you hire an expert who knows what they're doing, they've never done it for you." - Jamie Van Cuyk In this episode, we’re focusing on how to hire the right people for your business, with insight from Jamie Van Cuyk. Jamie is a hiring consultant who helps women small business owners become confident leaders who hire right every single time. After leaving a successful corporate career to follow her entrepreneurship dreams, Jamie quickly learned that many business owners had little experience hiring. She now uses her 15+ years of leadership experience to help business owners master the hiring process. Jamie also hosts the Growing Your Team podcast and is a contributing author of *Rise and Find*. She lives in St. Petersburg, Florida with her two daughters and enjoys traveling, home winemaking, and aerial dance activities like rock climbing. Join us to learn the whole story! "We could find someone that could be absolutely fantastic at the skills, but they're never gonna fit inside your organization... and that's not gonna work." - Jamie Van Cuyk Hiring the Right Way From the Start Jamie explained why hiring the right person is more than just finding someone with the right skills. It’s about making sure they fit into your business and understand your values. She shared how she helps small business owners figure out who their ideal hire is by asking deep questions. Things like, what does “good communication” or “team player” really mean to you? That makes it easier to find someone who’s not just qualified, but truly right for your team. Planning Ahead for Growth We talked about how hiring is about more than filling a seat — it’s about preparing your business for the future. Jamie said small businesses often wait too long to think about growth. She helps owners look ahead and think about what roles they’ll need later. That way, they can train team members to grow into bigger roles instead of always hiring new people from outside. She also reminded us that bringing someone up into a leadership role can make it easier to let go of control. Why Training and Feedback Matter Jamie pointed out that even the best hires won’t succeed without proper training. Just because someone’s experienced doesn’t mean they know how you like things done. She stressed how important it is to give clear feedback and have honest conversations early on. If something’s not working, it could be a training issue, not a hiring mistake. She also reminded us that avoiding tough talks can hurt the whole team, not just one person. Creating a Team That Lasts Jamie gave great advice about keeping your best people. She said employees want to grow, so you need to show them how they can move up — even in a small company. If you ignore this, they may leave, and that costs time and money. She also shared that businesses hoping to sell one day are worth more when they have long-term staff and good managers. It all starts with hiring smart and giving your team the support they need to succeed. "Just because you can do, doesn't mean you can teach — and just because you can lead, doesn't mean you can manage." - Jamie Van Cuyk Want to get in touch with Andrea Jenson? Website: https://thecashflowcfo.com/ Podcast: https://pod.co/the-cash-flow-cfo-podcast LinkedIn: https://www.linkedin.com/company/the-cash-flow-cfo/ Facebook: https://www.facebook.com/thecashflowcfo/ Instagram: https://www.instagram.com/cashflowcfo/ YouTube: https://www.youtube.com/channel/UC0kQopRCt9TEbgYjmqA4SMQ Want to get in touch with Jamie Van Cuyk? Website: https://growingyourteam.com/ Facebook: www.facebook.com/GrowingYourTeam Instagram: https://www.instagram.com/growingyourteam/ LinkedIn: https://www.linkedin.com/in/jamievancuyk/ Free Resources: https://growingyourteam.com/shop/
    Show More Show Less
    34 mins
  • Design a Life of Freedom, Not Obligation, with Penelope Jane Smith

    Design a Life of Freedom, Not Obligation, with Penelope Jane Smith
    Jun 16 2025

    "Everybody has their own personal economy that may or may not have anything to do with the economy at large."


    - Penelope Jane Smith



    Welcome back to a new episode of the Cash Flow CFO Podcast! Today’s conversation is with Penelope Jane Smith, the premier financial freedom mentor for women entrepreneurs and the go-to expert for some of the biggest names in the conscious business industry. She is an acclaimed international speaker and certified trainer with over 20 years of teaching experience, the author of the Little Book of Prosperity, and the creator of Prosperity Coin, the world’s first cryptocurrency designed to support financial freedom for women entrepreneurs. Her unique magic is supporting women entrepreneurs to become financially free in 5 years or less with $10,000+ per month in passive income so they don’t have to depend on their business, a job, a partner, the government, or anyone else for money.


    Join us to learn the whole story!



    "You want to have a big enough golden goose that you can live off the golden eggs and you never want to kill your goose."


    - Penelope Jane Smith



    The Secret to Financial Freedom

    Penelope shared that the secret to being financially free is simple. You just need to have more money coming in from your investments each month than you spend. She calls this "passive income." It's like having a money tree that gives you fruit every month to pay for all your bills and fun stuff. You don't need millions of dollars to start. You just need to know your goal and you can get there in five years or less.

    A Simple Three-Step Plan

    So, how do you get there? Penelope explained her three simple steps. First, you have to dream about the life you want to live. How much money would you need each month to live that happy life? That number is your goal. Second, you start buying things that make you money, which she calls "assets." Think of this as getting your own "golden goose" that will lay golden eggs for you. Even starting with a small amount of money helps it grow over time because your money starts working for you.

    Create Your Own Money-Making Ideas

    What if buying assets isn't enough to reach your goal? The third step is to create your own assets. This is where you can use your ideas and your time to make money that comes in on its own. For example, you could create an online course or build a business that you can sell later. Penelope shared a cool story about a friend who licensed a pet product idea and now makes money every month without doing any more work. It's all about getting your money to work harder for you than you work for it.

    Make Your Money Work For You

    Penelope made it really clear how your investments turn into money you can spend. You don't have to just wait for a check. You can sell a small piece of your investments each year. She called this living off the "golden eggs" without hurting your "golden goose."


    "All of this is about making decisions from a place of freedom and joy and what lights you up and makes you feel alive versus making decisions from a place of debt and obligation."


    - Penelope Jane Smith




    Want to get in touch with Andrea Jenson?


    Website: https://thecashflowcfo.com/


    Podcast: https://pod.co/the-cash-flow-cfo-podcast


    LinkedIn: https://www.linkedin.com/company/the-cash-flow-cfo/


    Facebook: https://www.facebook.com/thecashflowcfo/


    Instagram: https://www.instagram.com/cashflowcfo/


    YouTube: https://www.youtube.com/channel/UC0kQopRCt9TEbgYjmqA4SMQ




    Want to get in touch with Penelope Jane Smith?


    YouTube: https://www.youtube.com/@PenelopeJaneSmith360


    Download your free copy of The Financial Freedom Formula eBook, where you’ll discover exactly what it will take for you to become financially free, the two types of passive income, and how to get more of each!

    Website: https://realprosperity.isrefer.com/go/FFF/anje24/
    Show More Show Less
    41 mins
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