The 10 Laws of Finance for Business Owners

Friday, November 13th, 2026
3:00 – 5:00 pm

Fee: No Fee

Location: Dr. Martin Luther King Library (SJPL Workspace, 3rd Fl)
150 E San Fernando Street, San Jose, CA 95112

**Free parking with validation is available at the Fourth Street Garage (44 S 4th St. San Jose, CA 95112)**

Join us for an exclusive, two-hour in-person workshop designed to transform how you view and manage your company’s financial health: Ten decisions every business leader needs to understand, measure, and improve.

Through real-world benchmarks and practical frameworks, this workshop exposes the hidden variables that separate fragile revenue from sustainable wealth. You will walk away with an actionable blueprint to test your growth stories against reality, identify single points of failure, and accurately price risk before taking on major commitments.

Key topics by law:

1. You Cannot Fix What You Hide – Clean financial inventory: cash, debt, margins, obligations, owner pay, and what the business can actually afford.

2. Displaying Wealth Consumes It – Separate spending that creates strength from spending that signals success: office, vehicles, tools, branding, lifestyle, and unnecessary fixed costs.

3. A Number Alone Will Lie to You – Interpret revenue, growth, headcount, profit, followers, and cash through context: trend, benchmark, margin, risk, and alternative use of capital.

4. Accuracy Emerges from Error – Build a monthly forecast, compare actuals to expectations, and use the variance to improve decisions instead of avoiding uncertainty.

5. Present Decisions Create Exponential Future Impact – Recurring pricing, margin, debt, hiring, churn, customer-quality, and reinvestment decisions compound through the business.

6. Potential Is a Story; Cash Flow Is Reality – Test every growth story against cash timing, working capital, debt service, owner stress, and operating capacity.

7. The Only Worthwhile Risks Command Incremental Expected Rewards – Price major risks before leases, loans, hiring, inventory, product launches, or expansion. Upside must be incremental and downside must be survivable.

8. Concentration Creates Unnecessary Fragility – Identify single points of failure: one customer, one supplier, one platform, one lender, one employee, one owner, or one source of demand.

9. Every Yes Has a Casualty – Use opportunity cost and a hurdle rate before adding customers, products, obligations, marketing channels, hires, or commitments.

10. Success Hardens into Constraints – Review whether old systems, founder habits, informal approvals, legacy pricing, and identity-based decisions are now limiting the next stage.

Additional Resources: Free courses, calculators, templates, guides, and practice materials are available at the course.

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