Becoming PowHERhouse

If your business is profitable on paper but the money never seems to reach your bank account, you are far from alone, because it is the complaint PowHERhouse hears more than any other. Tammy Clement, Lead Tax Advisory Specialist at PowHERhouse Money Coaching, ran her own salon for more than 20 years before COVID shut it down, and she now helps business owners find out exactly where their profit is going.Host Nicholle Overkamp asks Tammy why profit and cash flow so often tell different stories, why one meeting a year with your CPA keeps you compliant without giving you a plan, which expense numbers should worry you, and the easiest first step for anyone who would rather not look at their numbers at all.What you'll learn:1: Why your profit and loss statement can show a profit while your cash flow is negative, and the loan, credit card and interest payments that often explain the gap2: How to reconcile your bank and credit card accounts every month so your P&L and your bank balance finally make sense together3: The difference between tax compliance and tax planning, and how to ask your CPA or advisor for year-round strategy4: How to read your expenses as a percentage of revenue, and why payroll at 70% or utilities at 11% of gross revenue can signal a problem5: The three business services Tammy recommends shopping every year: insurance, credit card merchant services and payroll6: The simplest place to start with small business bookkeeping when your finances feel overwhelmingAbout HOST:Nicholle Overkamp, MBA, ChFC®, CDFA®, CLU®, is the founder and CEO of PowHERhouse Money Coaching and Wilcox Financial Group, and a financial advisor and business coach for women. LinkedIn → https://www.linkedin.com/in/nicholleoverkamp/About GUEST:Tammy Clement is the Lead Tax Advisory Specialist at PowHERhouse Money Coaching, where she leads the bookkeeping, tax and advisory services, and she brings more than two decades as a small business owner to every client conversation.LinkedIn → https://www.linkedin.com/in/tammy-pollino/TIMESTAMPS:00:00 Preview: profit, cash and your P&L00:42 Meet Tammy Clement, lead tax advisory specialist01:52 From salon owner to tax advisor after COVID03:39 Why owner experience changes the advice04:57 The opportunities other professionals were missing05:50 "My CPA isn't helping me plan"07:02 Once a year with your CPA is compliance08:29 Profitable on paper, empty in the bank09:09 First move: look at your P&L10:46 Reconcile monthly so the numbers match the bank11:22 Expenses as a percentage of revenue: the red flags12:19 Audit your vendors and cut what doesn't pay13:02 Three bills to shop every year14:12 Overwhelmed? Where to start15:46 Rip the Band-Aid off, somewhere comfortable16:53 You already did the hard part17:18 Questions and sign-offKey Links and Resources:PowHERhouse Money Coaching website https://powherhousemoney.com/FREE Money Coaching PowHer Bundle https://powherhousemoney.com/online-courses/money-coaching-bundle/PowHERhouse Money Coaching socialshttps://www.facebook.com/powherhousemoneyhttps://www.instagram.com/powherhousemoneyhttps://www.linkedin.com/company/powherhouse-money-coaching/Money Bitch book https://powherhousemoney.com/product/money-bitch/Money Bitch Community on Facebook https://www.facebook.com/groups/moneybcommunityAbout the show:PowHERhouse Money Coaching is the podcast where Nicholle Overkamp and her guests have honest conversations about money, business and the decisions that shape both. Each episode gives women business owners practical steps they can put to work in their own numbers right away.If this conversation hit home, subscribe and turn on notifications so you catch every new episode, and share it with a business owner friend who keeps asking where her money went.

What does it take to grow a successful business without losing yourself in the process? In this episode of Becoming PowHERhouse, Nicholle Overkamp sits down with Brittany Chappius, founder of Be Well Massage & Aesthetics, to talk about small business growth, leadership, managing a team, burnout, boundaries, and the transition from solopreneur to business owner. Brittany shares how she grew Be Well from a one-room practice into a full-service wellness business with a team of 14, and what she had to learn along the way about leading people, having difficult conversations, retaining employees, and creating a strong team culture. Pasted text Pasted text They also talk about a lesson many entrepreneurs eventually face: your business cannot be your entire identity. Brittany opens up about feeling overwhelmed and disconnected from some of the passion she once had, and how creating more space for herself outside of the business helped her become a happier business owner and stronger leader. Pasted text From reconnecting with fitness to finding inspiration outside of her own company, Brittany shares what helped her regain energy, confidence, and perspective. Pasted text If you’re a business owner who has ever felt consumed by your work, struggled with leading a team, or wondered who you are outside of the business you built, this episode is for you. About Brittany: Brittany Chappius is the founder and owner of B Well Massage & Esthetics in Williamsville, NY. Over the past eight years, she has grown B Well into an established wellness brand while staying focused on thoughtful service, team culture, and the client experience. She’s passionate about entrepreneurship, leadership, and growing a business without losing the heart behind it. Follow Brittany:Instagram: https://www.instagram.com/bwell_withbritt/Facebook:https://www.facebook.com/brittany.ann.587Website: https://bwell716.com/

Emma Tupper rose from entry-level to CEO of Moxie Media — one of the longest-running woman-owned political communications firms in the country — over 15 years. In this episode, she opens up about stepping into the top role while pregnant, learning to lead with calm instead of competition, and when her biggest business breakthroughs come. Key Takeaways: - Why she calls herself a "reluctant entrepreneur" - The neuroscience of the brain's "default mode" - Quiet leadership - Navigating a short maternity leave as a brand-new CEO - The abundance mindset shift - How motherhood made her more ambitious Connect with Emma: LinkedIn: ⁠https://www.linkedin.com/in/emmatupper/⁠Website: ⁠https://moxiemedia.biz/

Lesa is a business coach for women in real estate and a former top-producing REALTOR® with over 30 years of experience. She built a highly successful career early on, but like many high-performing women, experienced firsthand how scaling without the right structure can lead to burnout, overextension, and loss of control.That experience led her to completely rethink how businesses are built—focusing on sustainability, boundaries, and strategic growth as the foundation for long-term success.Today, she helps women build profitable, scalable businesses that allow them to grow their income without sacrificing their time, energy, or quality of life.I believe she would be a strong fit for your audience, especially around:- Why scaling without structure leads to burnout and inconsistency- The foundation required for sustainable, profitable growth- How boundaries and systems directly impact revenue and scalability- Building a business that supports expansion without overextension- Lessons from 30+ years in business on scaling with intentionLesa brings both real-world experience and a grounded, strategic perspective that aligns well with your focus on intentional growth and wealth-building.You can learn more about her here:Website: I’m Lesa — A trusted guide for women in real estateLinkedIn: Lesa Frye | LinkedInInstagram: Instagram

Time isn't just money — it's everything. In this episode, Nicholle cuts straight to the point with a set of powerful micro habits designed to dramatically improve your focus and take back your day. No fluff, no overwhelm — just simple, high-impact strategies that fit into your real life as a founder and leader. If you're tired of blinking and watching your day disappear, this episode is your reset. Key Takeaways Time is your most valuable, non-renewable resource Productivity hacks Multitasking is a myth Self-awareness is a superpower.