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Second Comma

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10/22/2026

Do you actually know what you'll pay yourself next month?

I believe a business that works for everyone but its owner is only half working (AT BEST), no matter how good the books look.

I spoke with a business owner once who started a medical practice nearly 25 years ago.
Twenty people on staff.
Last year the practice cleared a little over $305k.

The owner took their salary every payroll.

Everything past it came out when the account felt "full" and stayed put when it "didn't". After all those years, their retirement savings outside the practice sat at about $165k.

The practice succeeded.
The owner's own finances were the partial part.

I don't think owners land here from carelessness. Leftover pay feels responsible, because the business always seems to need the money a little more.

But pay that swings month to month means the owner can't say what they'll take next month. The people at home can't plan around it either.

Scheduled extra pay could have changed what the owner saved outside the practice.

Answer this: [WHO] has been setting your pay: you, or the balance in the account?

Owner pay YOU set on purpose is the first rule of a business that pays you back.

10/15/2026

"I just pick a number."

A business owner once told me that about their quarterly estimated tax payments to the IRS.. Their IT services firm has been running over 20 years.

The operating account shows about $285k.
"That looks like plenty", so the payment gets written from whatever feels safe.

Some quarters they guess high and starve the account.
Some quarters they guess low and April collects the difference.

The problem? THe guess is the whole system.

Zoom out and realize three pieces connect here:

The profit.
As an S-corp, the company's profit lands on the owner's personal return whether or not it ever leaves the business bank account. Last year that profit was about $260k.

The tax.
Federal income tax on that profit was about $70k. It's the owner's personal bill, paid in four estimates through the year, and, remember, it exists whether or not you take money out.

The cash.
The tax bill is only one claim on that balance. Payroll and bills have claims too.

After we finished our coffee, the owner wanted a new system.
1) Start with the balance.
2) Take out the tax.
3) Then take out what payroll and bills need.

What's left is your room to move.
REMINDER: It's just math.

These three pieces can fit any structure and any year. Only the line items change.

If you've been leaving cash in the account because you don't know what's safe to pull, this math helps guide you.
If you already send a monthly transfer to the household account, just be sure to set it after the tax bill is counted.

The larger problem?

Those three pieces rarely sit on one page. Seeing the profit, tax and cash together is the first step.

Know your safe number before the money leaves the business account.
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10/08/2026

Who will own your stuff when you stop owning it?

Most owners have thought about that for the house. Far fewer have thought about it for the business, and the business is usually the bigger asset.

Run a quiet drill. You're in a hospital bed for six months, or worse. It's Thursday. Payroll is Friday.

Check who is legally allowed to sign the checks.
Check whether your spouse can sign a vendor contract, talk to the bank or approve a bid.
Read what your operating agreement says about the day you can't show up.
Read your loan agreements for what happens if the guarantor dies or can't perform.
Ask whether your bonding rests on you personally.

For a lot of owners the honest answer is nobody, and nothing is written down. Which means the family doesn't step into a business. They step up to a locked door with a crew on the other side waiting to get paid.

None of this takes a crisis to fix. It takes a few signatures and a conversation you'd rather not have. Operating agreement language that names who acts. Authority that's written, not assumed. If you have a partner, a buy-sell agreement that's actually funded.

You've built something real. Make sure the people you love inherit a business, not a locked door.

If you're not sure who would sign on Friday if you couldn't, settle that first.

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08/22/2026

"Lord I'm just grateful that I got to wake up today.."

07/30/2026

07 // 2026

07/21/2026

🤯🤯

07/14/2026

06 // 2026

07/08/2026

It's fajita season!

07/03/2026

05 // 2026

Address

2751 Teakwood Lane
Plano, TX
75075

Opening Hours

Monday	8am - 5am
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

Website

http://www.second-comma.com/

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