734. 4 Steps to Starting the Year Financially Healthy

Jan 21, 2026

This discussion emphasizes the importance of a solid financial foundation for entrepreneurs. Forget flashy investments; it's about clarity, stability, liquidity, and intentional risk. Monitoring earnings and expenses provides insight into your financial standing. Maintaining a cash reserve helps navigate tough months, while purposeful risk-taking enhances decision-making. Brian offers actionable steps like updating your balance sheet and assessing your liquidity. Strengthening your financial base not only reduces stress but also boosts freedom in your business decisions.

Ask episode

AI Snips

Chapters

Books

Transcript

Episode notes

INSIGHT

Financial Health Is Foundation First

Financial health is not about flashy wins or net worth screenshots but about resilience under pressure.
A durable financial foundation creates optionality that improves decisions and reduces stress.

INSIGHT

Weak Foundations Cause Short-Termism

Weak financial foundations force short-term decisions that create more risk and stress.
That stress bleeds into leadership and relationships, undermining long-term goals.

ADVICE

Know Your Numbers Exactly

Get clear on what you earn, spend, own, and owe right now to remove ambiguity and anxiety.
Track net worth honestly to reduce emotional decisions and enable rational planning.

Get the Snipd Podcast app to discover more snips from this episode

Get the app

Most financial conversations focus on tactics: what to invest in, how to make more money, where the next big opportunity is. But that skips the real question: Is your financial foundation actually sound?

In today's episode, Brian breaks down what true financial health looks like for entrepreneurs operating under constant pressure. It's not about flashy wins or aggressive bets; it's about building a durable base that creates clarity, stability, liquidity, and intentional risk. When your foundation is strong, you buy optionality. And optionality leads to better decisions, lower stress, and greater freedom.

This is about staying in the game and building a financial life that supports how you lead, operate, and live.

Get on the list to receive Brian's monthly newsletter: https://nodaysoff.com/subscribe/

Tune in to this podcast every weekday morning for 10 minutes or less as Brian shares lessons and stories about how to make positive changes in your life and business, one day at a time.

That's what the "No Days Off" movement is all about. The objective is to spend focused time each day improving in some small way. Each episode presents questions to contemplate, concepts to understand, and actions to take in Business & Leadership, Wealth & Finances, Personal Development & Growth Time Management, Mindset & Attitude, Relationships, Family & Parenting, and Health.

Visit our Resources Page to download helpful worksheets and diagrams: https://nodaysoff.com/templates/

Follow No Days Off Socials

Facebook: https://www.facebook.com/nodaysoffpodcast

Instagram: https://www.instagram.com/nodaysoff_podcast/

Website: https://nodaysoff.com/

Meet Your Host:

Brian Gubernick is a visionary leader with over 20 years of diverse business and life experience. Currently the Chief Real Estate Officer for PLACE Inc and Co-Founder of Metrix Masterminds, Brian has held numerous other significant roles in the real estate industry including property investor, Realtor, sales team owner, brokerage operating partner, title/escrow company investor, property management partner, and start-up executive. Brian has also trained and/or personally coached thousands of sales professionals on the tenants of business success, leadership, and personal development.

Brian's passion for excellence is matched only by his love for family. He resides in Scottsdale, Arizona, with his wife and two daughters. When he's not creating exceptional real estate experiences or nurturing his entrepreneurial ventures, Brian can be found enjoying quality time with his loved ones.

Part of the Win Make Give Podcast Network