BUSINESS · FINANCE · GENERAL TAX EDUCATION
For people starting or running a small business who want clearer business and finance basics.
Learn to understand your cash, set prices and organize your business. Get four short lessons every month, a practical task after each lesson, and worksheets to put the ideas to work.
Your first month: a written offer, a four-week cash worksheet, a break-even calculation and a weekly records checklist.
Choose your membershipBase $10/month · Plus $25/month · Business, finance and general tax education
Choose Base for self-paced learning or Plus for everything in Base and a monthly group workshop.
BASE
Learn and apply at your own pace.
RECOMMENDED · BASE + MONTHLY WORKSHOP
Everything in Base, plus guided practice in a group.
Your selected plan renews monthly until you cancel future renewals. Base: $10 USD/month. Plus: $25 USD/month. No setup fee.
Plus includes the monthly workshop, recording, summary and worked example.
Plus includes one general question submission per month. Up to 8 topics are selected for the group workshop; individual answers are not guaranteed.
Practical business skills. One clear step every week.
Four short written lessons for your first month, organized into four weekly steps. Start with the example, then apply the idea.
Use the worksheet with your own business. Keep your numbers and documents private.
Repeat the process each month. Plus adds a group workshop to practice the topic with Josh.
Work through these four steps. Finish with a clear offer, a four-week cash worksheet, a break-even calculation and a routine for keeping your records.
Write your offer in one sentence: who you help, what they receive and the price. Task: complete your offer statement.
Separate sales from collected cash. Task: list starting cash, collections and payments for four weeks.
See how price and direct costs affect what is left. Task: calculate the number of sales needed to cover fixed costs.
Organize income, expenses and supporting documents. Task: create a checklist and choose your weekly review day.
Start with a one-sentence offer, then build your four-week cash worksheet, calculate your break-even point and create a weekly records checklist. You apply each lesson to your own business privately.
Month 2: pricing, margins and a simple sales routine. Month 3: a monthly financial review and organized records for general tax education. Each month follows the same lesson → task → worksheet format.
| Week | Starting cash | Cash collected | Payments | Ending cash |
|---|---|---|---|---|
| 01 | $1,000 | $800 | $1,200 | $600 |
| 02 | $600 | $1,000 | $900 | $700 |
| 03 | $700 | $600 | $1,100 | $200 |
| 04 | $200 | $1,200 | $950 | $450 |
$1,000 + $3,600 collected − $4,150 paid = $450 remaining.
Your task: use the same five columns with your own numbers. Identify the week with the lowest cash balance and one expense you need to plan for.
Download the sample cash worksheet (CSV)Example: a $100 sale with $40 in direct costs leaves $60 to cover fixed costs. With $1,200 in monthly fixed costs, you need 20 sales to break even: $1,200 ÷ $60 = 20. This example excludes taxes.
Use Josh’s available free ebooks alongside the monthly lessons. The membership adds the tasks and structure for applying the ideas; the public ebooks remain free.
Explore Josh’s free ebooksYes, if you are starting a business or already selling and want practical business and finance basics. Work through the lessons at your own pace, using fictional examples first and your own numbers privately. No previous accounting experience is required.
Base: four short monthly lessons, four practical tasks, a monthly worksheet and guided reading. Plus adds a monthly 60-minute group workshop, recording, summary, a worked example and one general question submission. The workshop uses selected questions, with up to eight topics.
No. This is general education about business, finance and taxes. Private consulting, tax return preparation or review, investment advice, software licenses and complete professional tax courses are separate services.
Learning materials are available in English and Spanish. Plus includes a monthly group workshop and its recording.
Yes. Select the payment button on Base ($10 USD/month) or Plus ($25 USD/month), create your account and choose your payment method. Private access unlocks after payment is verified.
Sign in to view your first-month lessons, download your worksheets and mark completed tasks. The server checks your payment before granting private access. You can cancel future renewals from your member account.
Read the sample lesson and try the exerciseBegin with Lesson 1. Complete the task, download the worksheet and mark your progress. Keep your business numbers private.
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More than 25 years working with fiscal and financial strategy in the United States and Latin America. This membership turns business fundamentals into short lessons and practical exercises.