Millennial Money Matters just got a visit from someone who might be running the most relatable business for parents right now.

Kim Conti is the founder of Orbit Crates, a toy rental subscription that delivers curated toys to families with kids ages 0-6. Think of it like Netflix for toys. 500 titles to choose from, doorstep delivery, swap whenever the kids are done. No clutter. No waste. No more stepping on the same Fisher-Price toy for 18 months.

But this episode isn't just about toys. It's about what actually happens when you leave a corporate job to chase a dream, with three kids at home and a finite cash runway staring you down.

Kim gets into the real stuff: how she and her husband drew a hard line on business and personal finances, why she spent her first six months raising non-dilutive startup capital instead of running the business, and what it actually feels like to be the business owner who's also the marketer, the operator, and the one packing boxes in her spare room. (The kids are not allowed in that room.)

Derek and Kelly weigh in on the financial side of the founder journey: when to reinvest in the business versus pull money out, why too many entrepreneurs skip the tax professional until it's too late, the LLC structure mistakes that quietly cost business owners serious money, and how cash flow planning changes everything when revenue isn't predictable month to month.

Also: Great Wolf Lodge is basically a wet kids casino. You heard it here first.

https://orbitcrates.com/

Reach out to Kim Conti at kim@orbitcrates.com, Kelly Turner at kturner@totalmortgage.com and Derek Mazzarella at dmazzarella@mygfpartner.com

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