Coach Janelle CPA

Coach Janelle CPA I help high-earning entrepreneurs like you Reduce Taxes, Save Money, Build Wealth, and Live More.

Rising costs don't always show up as an obvious crisis. Sometimes they quietly squeeze your margin month after month.Pay...
09/04/2026

Rising costs don't always show up as an obvious crisis. Sometimes they quietly squeeze your margin month after month.

Payroll increases.
Software costs increase.
Insurance changes.
Contractor rates change.
Supplies cost more.

Meanwhile, your prices stay exactly where they were two years ago. The result?

You can have the same revenue and work just as hard while keeping less profit. Pricing should be reviewed as part of your financial management—not only when you feel desperate.

Look at your direct costs.
Review your gross margin.
Consider the time and resources required to deliver each service. Look at customer demand and the value you're providing. Then determine whether your current pricing still supports the business you want to operate.

Raising prices isn't automatically the answer. Sometimes you need to redesign the service, improve efficiency, or eliminate an unprofitable offering. But you won't know which lever to pull until you look at the numbers.

Review the margin on your three most important offers.

One of the most common tax misconceptions I hear is: ""But I bought it for my business, so I can deduct it.""Tax deducti...
09/03/2026

One of the most common tax misconceptions I hear is: ""But I bought it for my business, so I can deduct it.""

Tax deductions don't work quite that simply. Whether an expense is deductible depends on the applicable tax rules and the facts surrounding the expense.

Business purpose, documentation, timing, limitations, and the type of expense can all matter. That's why I don't recommend buying something solely because you think it will ""save taxes.""

Spending $10,000 to potentially reduce taxable income is still spending $10,000. A tax deduction may reduce the after-tax cost, but it doesn't make the purchase free.

A better approach is to ask two questions: Does my business actually need this?

And:

How is this expense treated under the tax rules that apply to me?

Tax planning should support good business decisions—not create reasons to spend money the business doesn't need to spend. Before making a year-end purchase, ask whether it makes business sense first.

Not every financial leak looks like a huge expense.Sometimes it's $30 here. $75 there.A software subscription you forgot...
09/02/2026

Not every financial leak looks like a huge expense.

Sometimes it's $30 here. $75 there.

A software subscription you forgot about.
A membership nobody uses.
An unused platform.
An automatic renewal.
A service you no longer need.

Individually, these expenses may not seem important. But add them together over 12 months, and they can become a meaningful amount of money leaving your business.

That's why I encourage business owners to review recurring expenses regularly. Look at your bank and credit card statements. Identify subscriptions and automatic payments. Ask whether each expense is still being used.

Ask whether it directly supports revenue, operations, compliance, or something genuinely valuable to the business. And don't confuse ""we've always paid for it"" with ""we still need it.""

You don't have to cut every expense. You just need to know what you're paying for and why. Sometimes improving profitability isn't about finding another $10,000 in revenue. It's about stopping the money from quietly leaking out.

Review your recurring subscriptions and automatic payments this week.

The IRS recently updated its FAQs on the business interest deduction under Section 163(j). Generally, the limitation can...
09/01/2026

The IRS recently updated its FAQs on the business interest deduction under Section 163(j). Generally, the limitation can restrict how much business interest a taxpayer may deduct in a year. The rules can be especially important when your business carries loans, lines of credit, or other business debt.

But here's the part I want business owners to remember: not every business is treated the same. Certain small businesses may qualify for an exception from the limitation, while other businesses may need to calculate the limitation under the applicable rules.

The recent IRS update also addresses changes made by the One, Big, Beautiful Bill Act.

This is why I don't recommend making a tax decision based on a quick social-media post or something you heard from another business owner. Your entity, gross receipts, type of business, interest expense, and other facts can change the answer.

If your business has significant debt, September is a good time to ask: How is this interest affecting both my cash flow and my tax picture?

Review your business debt and interest expense before year-end.

One of the hardest lessons ministry teaches us is this:Faithfulness and popularity are not the same thing.There will be ...
08/31/2026

One of the hardest lessons ministry teaches us is this:

Faithfulness and popularity are not the same thing.

There will be decisions that some people celebrate... and others question. There will be seasons when people misunderstand your heart. That's never easy.

But leadership has never been about gaining everyone's approval. It's about faithfully following God's direction for the people He has entrusted to your care.

Lead with humility. Lead with grace. Listen well. Stay teachable. And when you've prayed, sought wise counsel, and acted with integrity... Trust God with the outcome.

Your calling was never to please everyone.

It was to faithfully serve the One who called you.

Business owners love planning.New goals.New ideas.New strategies.But very few schedule time to ask one important questio...
08/31/2026

Business owners love planning.

New goals.
New ideas.
New strategies.

But very few schedule time to ask one important question.

"What actually happened this month?"

Before setting another revenue goal... Look backward.

Which service made the most profit?
Which marketing actually worked?
Where did you waste time?
What surprised you?

Reflection isn't looking backward because you're stuck. It's looking backward so you move forward smarter. Every month leaves behind valuable data.

Don't ignore it.

The businesses that grow consistently aren't just setting goals. They're learning from yesterday.

What's one lesson your business taught you this month?

Before your phone starts ringing...Before the meetings begin...Before someone needs an answer...Take one more quiet mome...
08/30/2026

Before your phone starts ringing...
Before the meetings begin...
Before someone needs an answer...

Take one more quiet moment with God.

Not to prepare another sermon.

Not to solve another problem.

Just to be with Him.

Because before you're a pastor...
Before you're a ministry leader...
Before you're responsible for caring for others...

You're first His.

And that's the place you'll always lead best from.

One lesson I've learned after working with business owners is this:People often assume the biggest challenge is money. S...
08/30/2026

One lesson I've learned after working with business owners is this:

People often assume the biggest challenge is money. Sometimes it is. But more often...

It's the pressure that comes with carrying everything. The responsibility of making payroll. Wondering if you'll have enough clients next month. Making decisions that affect your employees' families. Trying to be present at home while your mind is still at work.

Entrepreneurship can be rewarding. But it can also feel lonely. If that's where you are today, let me remind you:

You don't have to carry every burden alone.

Seek wise counsel.
Build a trusted circle.
Delegate when you can.

Take care of your mental and spiritual health as intentionally as you care for your business. Because a healthy business starts with a healthy leader. What's one lesson entrepreneurship has taught you—not about business, but about yourself?

You know you're doing your job well when pastors aren't thinking about the finances every day.They're focused on people....
08/29/2026

You know you're doing your job well when pastors aren't thinking about the finances every day.

They're focused on people.
On discipleship.
On vision.

Because someone behind the scenes is making sure the reports make sense, bills are paid, processes are working, and leadership has the information they need.

Good financial support doesn't demand attention.

It creates confidence.

That's always been my goal—to make the financial side of ministry feel lighter so church leaders can focus on what only they can do.

If that sounds like the kind of support your church needs, let's have a conversation.

Social media has made business education more accessible than ever.But it's also made tax advice more confusing.You've p...
08/29/2026

Social media has made business education more accessible than ever.But it's also made tax advice more confusing.

You've probably seen posts that say:

"Everything is a write-off."
"Just start an LLC and you'll save thousands."
"Buy a vehicle and you won't owe taxes."

The problem is that tax advice isn't one-size-fits-all. Your business structure, industry, income, and long-term goals all play a role in determining which tax strategies are appropriate for you. What worked for someone else may not work for your business—and following the wrong advice could end up costing you far more than it saves.

There's nothing wrong with learning online. Just make sure you're making decisions based on advice that's tailored to your business—not someone else's.

What's the most questionable tax advice you've seen on social media?

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