LadyBanker

New tariffs just landed, and if you run a small business, you need to pay attention. The government’s latest trade moves will make certain imports more expensive—think materials, packaging, and even inventory for your store. That price increase? It’s not just a “big business” problem. It’s coming straight for Main Street. 👉 Step One: Immediate Price Hikes The moment tariffs hit, costs rise. If you’re sourcing products, ingredients, or packaging from overseas (even indirectly), expect to see invoices jump. If you’re a baker relying on imported chocolate, a boutique carrying apparel made in Asia, or a salon owner ordering styling tools, your expenses are going up. 👉 Step Two: The Inflation Squeeze We saw this in 2021–2022—businesses that waited too long to adjust prices got crushed by inflation. This time, companies are moving faster. Suppliers will pass the cost to retailers. Retailers will pass the cost to customers. If you’re in the middle of that chain, the squeeze is real. What Should You Do? • Audit Your Supply Chain – Where are your products, parts, and materials coming from? – Can you find domestic alternatives before prices jump? • Adjust Your Pricing Strategy – Don’t wait to raise prices if needed. – Women entrepreneurs, especially, tend to underprice their services—this isn’t the time to absorb costs hoping for customer loyalty. • Communicate with Customers – If you run a boutique, bakery, or service business, explain the changes. – Transparency builds trust, and many customers will understand why a $40 product is now $45. • Negotiate with Vendors – Can you lock in pricing now? – Bulk order before hikes kick in? Tariffs don’t just hit corporations—they hit the independent coffee shop, the event planner, the woman running an e-commerce brand from her kitchen table. This is your signal to get ahead of the curve, control what you can, and protect your margins before the squeeze gets worse. #SmallBusiness #WomenEntrepreneurs #Tariffs #Inflation #KnowYourNumbers

“She believed she could, so she did.”  —R.S. Grey, author #KnowYourNumbers #KnowYourWorth #LadyBanker

How can you start making smarter money moves? Read Rich Dad Poor Dad by Robert Kiyosaki This book shifts your entire mindset about money, wealth, and financial freedom. 📖 Key Lessons: ✅ The rich don’t work for money—they make money work for them. ✅ Owning assets (real estate, stocks, businesses) is how you build wealth. ✅ Your job won’t make you rich—investing will. 💡 Ask yourself: Am I spending my income, or am I investing it in assets that generate more money? #KnowYourNumbers #KnowYourWorth #LadyBanker

Power isn’t given. It’s taken. It’s built. It’s earned. And it starts with knowing your numbers. If you’re an entrepreneur, here’s a number you need to know: Customer Acquisition Cost (CAC). Your CAC tells you exactly how much it costs to gain a new customer. This number isn’t just a metric—it’s a power move. It determines how scalable, profitable, and sustainable your business truly is. ✅ Formula: Total Marketing & Sales Expenses ÷ Number of New Customers Acquired = CAC For example, if you spent $10,000 on marketing and sales last month and acquired 100 new customers, your CAC is: $10,000 ÷ 100 = $100 per customer That means it takes $100 to acquire each new customer. Why CAC is a Power Metric Because growth isn’t just about revenue—it’s about efficiency. 🔼 If your CAC is too high, you might be spending more to gain customers than they’re actually worth. 🔽 If your CAC is low and your revenue per customer is high, you have a profitable, scalable business model. The Mindset Shift: When you know your CAC, you stop guessing and start making strategic decisions: 💡 Are you spending too much to acquire each customer? Maybe your ad strategy needs refining. 💡 Are you charging enough to cover your acquisition cost? Pricing should be based on profitability, not fear. 💡 Are your customers staying long enough to make the investment worth it? If not, your retention strategy needs work. Take Control: Three Questions to Ask Yourself Today 1️⃣ What is my current CAC? (If you don’t know, it’s time to calculate it.) 2️⃣ Am I acquiring customers profitably, or am I burning through cash? 3️⃣ How can I lower my CAC while increasing the lifetime value of each customer? What’s Your Next Move? #KnowYourNumbers #KnowYourWorth #LadyBanker

Let’s talk about power. Not the kind of power that’s given to you, but the kind of power you build from the inside out. And in today’s financial world, power comes from understanding one key truth: Knowing your numbers means knowing your worth. So, what’s a number you should know? Your Gross Margin. Gross margin isn’t just an accounting term—it’s a confidence metric. It tells you how much profit you’re actually keeping after covering the direct costs of your product or service. In other words, it shows you how efficient and profitable your business really is. ✅ Formula: (Revenue - Cost of Goods Sold) ÷ Revenue × 100 = Gross Margin % For example, if you generate $100,000 in revenue and your cost of goods sold (COGS) is $40,000, your gross margin is: ($100,000 - $40,000) ÷ $100,000 × 100 = 60% This means 60% of your revenue is actual profit before overhead costs like salaries, rent, and marketing. Why does this matter? ⬆️ A high gross margin means you have pricing power, strong brand value, and the ability to scale profitably. ⬇️ A low gross margin means you’re leaving money on the table, underpricing your services, or operating inefficiently. The Mindset Shift: More Margin, More Power Too many women entrepreneurs underprice their services, thinking that lower prices will attract more customers. But pricing based on confidence, not fear, is what separates thriving businesses from struggling ones. 💡 If your gross margin is too low, you’re working harder but keeping less. 💡 If your gross margin is high, you have power—power to invest, power to grow, power to say no to bad deals. Take Control: Three Questions to Ask Yourself Today 1️⃣ What is my current gross margin? (If you don’t know, it’s time to find out.) 2️⃣ Am I pricing my services based on value, or am I undervaluing myself? 3️⃣ How can I increase my gross margin without sacrificing quality? (Hint: It might be time to raise your prices.) Now, What’s Your Next Move? #KnowYourNumbers #KnowYourWorth #LadyBanker

Gratitude Is a Financial Strategy—What’s Your ROG? 📊 We track revenue, profit margins, and ROI—but what about ROG (Return on Gratitude)? Gratitude isn’t just a feeling; it’s a financial strategy. It builds trust, strengthens relationships, and fuels long-term success. And here’s the reality: trust compounds faster than any cash reserve. How are you investing in gratitude today? Let’s talk in the comments. 💬 #KnowYourNumbers #ROG #ReturnOnGratitude #FinancialLiteracy #WomenEntrepreneurs #WealthMindset #LadyBanker

Risk is the price of admission for building wealth. Yet, for so many women, risk feels like a threat rather than an opportunity. The fear of making the wrong decision, losing money, or not having enough keeps too many of us stuck—playing it safe, underpricing our services, or avoiding financial decisions altogether. But here’s the secret: Wealth isn’t built by obsessing over what might happen. It’s built by taking action now. #KnowYourNumbers #RiskIsPower #WealthMindset #WomenEntrepreneurs #FinancialConfidence #NextGenLeaders #LadyBanker

One Day at a Time… When it comes to building wealth and understanding your worth, it’s easy to get tangled up in “What’s going to happen?” Will I hit my revenue goals this quarter? Will my business survive the unexpected? Will I ever feel financially secure? As entrepreneurs, we’re often conditioned to worry about the future. But here’s the truth: Worrying about tomorrow blocks us from building the foundation we need today. Your financial health—like your personal growth—starts one day at a time. Staying in the present, knowing your numbers, and taking intentional steps today are what ensure your future success. #KnowYourNumbers #KnowYourWorth #FinancialMindset #WomenEntrepreneurs #NextGenLeaders #RiskToWealth #LadyBanker