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5 Money Habits That Separate Successful Entrepreneurs From Struggling Ones

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28.04.2025

Successful entrepreneurs build systems, think long-term and let their money habits fuel their growth. On the other hand, struggling entrepreneurs chase revenue and react to financial stress.

Here are five specific, high-impact financial habits that consistently set thriving entrepreneurs apart.

Related: The 7 Financial Habits of the Most Successful Small Business Owners

If your business is struggling, then it's likely because you've fallen into the trap of obsessing over top-line revenue or social proof without focusing on what matters: cash flow. Having a $1M revenue business looks impressive, but if expenses eat up $990K, it's barely surviving.

Successful entrepreneurs obsess over cash flow. They understand that money in the bank, not just on paper, is what pays employees, fuels marketing and buffers against downturns. They monitor cash flow weekly (sometimes daily), and they use forecasting tools to anticipate dry spells before they happen.

What successful entrepreneurs do differently:

Use rolling 13-week cash flow forecasts to anticipate needs and make data-driven decisions.

Build in a cash buffer (often 3-6 months of expenses) to weather emergencies.

Delay unnecessary purchases unless they yield a positive ROI within a clear timeframe.

"Revenue is vanity. Profit is sanity. Cash flow is reality." This isn't just a cliché for successful founders; it's gospel.

A common mistake among struggling entrepreneurs is not paying themselves (and burning out) or overpaying prematurely and stunting the business's growth. Successful entrepreneurs strike a balance: They

© Entrepreneur