profile

Finance MakeOver

Where your money lands matters

Published 13 days ago • 1 min read

Hi Reader,

Okay — if you’re reading this, I’m going to assume you either:
​
*** Already opened your Relay account (🎉), or
*** You’re about to… because it takes less than 10 minutes.

Seriously — you only need:

  • Your EIN
  • Your driver’s license
  • Ownership percentages

No long appointments.
No endless paperwork.
No “bring your firstborn” requirements like Chase. 😅

If you haven’t opened Relay yet, do that first (it’s the easiest part):
​https://app.relayfi.com/v3/register?referralcode=finance-makeover​

Now for the next step — and this is the one that changes everything:

👉 Move your income deposits (Stripe, Square, PayPal, etc.) into your Relay Income Account

This is where the Profit First magic starts.
When your income hits Relay first, you can easily allocate into:

  • Profit
  • Owner’s Pay
  • Taxes

Operating Expenses
…automatically, on a schedule.

No more guessing.
No more “I think we’re okay.”
No more sleepless nights before payroll.

And before we wrap up, I want to say this:
Thanksgiving just passed, and every year I’m reminded how lucky we are to live in a country where we can choose our business, our goals, and our priorities.

So channel that gratitude into a new habit:
​“I like saving more than I like spending.”

Start today.
You’ve got this.

👉 Open your Relay account or log in here:
​ https://app.relayfi.com/v3/register?referralcode=finance-makeover​

Then update your payment processors so all money flows into your Relay Income Account.

Here’s to clarity, profit, and peace of mind.

Profitably Yours,

Karen Lake

photo

Finance MakeOver

by Karen Lake

If you’re a passionate entrepreneur with a great service and happy customers, the problem might not be you—it might be your financial systems.💸 It’s time for a Finance MakeOver. We’ll give you the roadmap, tools, and simple strategies to turn your cash-eating business into a lean, green profit machine. Connect with Me.

Read more from Finance MakeOver

Hi Reader, As many of you know, I own a short-term rental business in Lake Arrowhead, California — we own a big, beautiful home we host for family reunions, birthdays, events, and even church retreats. 🏔️🏡 This week, a property manager friend called me asking about insurance for her cleaning company. Totally valid question — but as we talked, I realized something that stopped me cold… She had formed an LLC over a year ago for liability protection — but all of her income and expenses were...

6 days ago • 1 min read

Hi Reader, Karen here — coming to you from our new home in Utah! 🏠We’ve been here about 5–7 weeks now, and we really love it. The neighbors have been kind, our church community has been incredibly welcoming, and it’s already starting to feel like home. But let me confess something… Even though the house was move-in ready, little things I want to “fix” keep popping up — and my first instinct? Spend the money now.Make it pretty now.Don’t look at my envelopes. Don’t check the budget. Just get it...

20 days ago • 1 min read

Dear Reader,I’m buried in boxes, bubble wrap, and packing tape this week because…we’re officially moving to Utah! 🏡✨ Our movers have been amazing — they literally rolled out the red carpet to protect the floors (I love that touch!). We leave this week and move in on the 13th, so it’s all hands on deck here. I’ll be back in your inbox next week once we’re settled into our new home and ready for our next Finance MakeOver adventure from Utah! 💜 Until then, wish me luck with the boxes 😅...

2 months ago • 1 min read