“If you like your coffee, I say that coffee is the smell of money. When I go to the coffee shop and I'm spending $4, I'm with somebody I love, I'm building a new relationship, I'm doing a business deal. Coffee is an investment for me. If coffee makes you feel good, buy your coffee. But you need to find a way then to make $3 more per day. Don’t budget yourself to financial freedom—let’s make more money doing what you enjoy.”

Towards the end of the year, I tend to reflect on how the year went as a business owner, but also, what can I do to prepare for the best...