Savvy or Surrender - Your Guide to Profit, Cash Flow, and Tax Savings

About Savvy or Surrender - Your Guide to Profit, Cash Flow, and Tax Savings

Running a business shouldn’t feel like a never-ending fight for cash. On Savvy or Surrender, host Steven Young cuts through the noise and shows real business owners how to take control of their numbers, keep more of their hard-earned money, and build a business that actually pays them back. Each episode gives you practical strategies you can use right away — from fixing cash flow bottlenecks, to implementing Profit First, to unlocking tax savings most owners never hear about. No jargon. No fluff. Just clear guidance, real-talk coaching, and a little humor to keep things human. Whether you’re a contractor, service pro, or business owner who’s tired of working hard with nothing to show for it, this is your go-to show for leveling up your money decisions and building a business that supports your life… not the other way around. Choose to be Savvy — or surrender your profit. The choice is yours.

Publisher

Steven Young

Category

business

Language

en

Explicit

No

First episode

16 Jul 2025

Latest episode

29 Apr 2026

Latest episodes

25 episodes in the feed.

1. 

   29 Apr 2026

   5 Profit Killers hiding in every contractors P&L: Episode 25

   Title: 5 Profit Killers hiding in every contractors P&L (profit and loss) Summary: Steven Young reviewed 10 real contractor profit & loss statements — plumbers, electricians, GCs, roofers, and HVAC companies — and found the same five problems destroying profits over and over again. If you're a contractor doing $500K–$5M in revenue, at least two of these are likely happening in your business right now. In this episode, Steven walks through each profit killer, what it looks like, what i...

2. 

   11 Mar 2026

   How to Pay Your Kids Tax-Free: A Legal Strategy to Build Generational Wealth

   How to Pay Your Kids Tax-Free: A Legal Strategy to Build Generational Wealth In this episode of the Savvy or Surrender podcast, host Steven Young reveals a powerful tax strategy that most business owners overlook—legally paying your kids to work in your business while eliminating payroll taxes and building generational wealth. Steven explains how to shift income from your higher tax bracket to your children's lower (or zero) bracket, avoiding the 15.3% FICA taxes while funding Roth IRAs for ...

3. 

   4 Mar 2026

   Trump Accounts Explained: A New Path to Generational Wealth for American Families

   Trump Accounts Explained: A New Path to Generational Wealth for American Families Summary: In this episode, Steven Young breaks down the newly introduced Trump accounts—a government-backed investment vehicle designed to give every American child born between 2025-2028 a financial head start with a $1,000 seed contribution. Steven explains what we currently know about these accounts, how they compare to Roth IRAs and 529 plans, and how families can strategically use all three to build generati...

Reach and audience

Public platform figures. Ratings count people who left a rating, not total listeners.

Apple Podcasts (US)

5.0 / 5

2 ratings

Contact Savvy or Surrender - Your Guide to Profit, Cash Flow, and Tax Savings

Guest appearances

Books guests

Based on episode analysis; this does not confirm that the show is currently accepting guests.