Founding Class closes on August 27th, 2026
In Just 5 Days, Learn to Read & Understand Your Financial Statements, Without Learning Accounting
5-Day Financial Statement Decoder Course is for business owners who were never taught how to read their financials.
Founding-member price ends October 5th!
Get the complete five-day course, the Interactive Statement Decoder, Zoe (your AI learning assistant) and the Owner’s Financial Decoder Handbook.
Lifetime access · 7-day guarantee
Built From Both Sides of the Table
Evaluated Businesses
M&A and private equity experience evaluating how businesses generate profit, convert it into cash, support debt and create value in multiple sectors
Operated Businesses
Built and operated five salon-and-spa locations with my wif and saw firsthand how capable owners can struggle with reports no one has translated into the language of running a business.
See It Below
Watch the actual Decoder in use, see Zoe answer a financial question, and preview real pages from The Owner's Financial Decoder Handbook before you enroll.
The Decoder, Zoe and the Handbook
Let's face it...
Receiving Financial Statements Is Not the Same as Understanding Them
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Profitable but short on cash
Payroll came and you moved money to cover it while your P&L says you are profitable.
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You nod through the meeting
Your accountant explains something,
you nod and plan to look it up later.
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Big decisions through a gut call
Decisions about your business made using gut feeling instead of financial data.
Introducing
5-Day Financial Statement Decoder™ Course
Your accountant prepares your statements and checks that they are correct.
That is skilled work and it takes years of training.
Reading them is a separate skill, and nobody teaches it to owners like you.
A pilot does not build the airplane.
But the pilot must understand the dashboard.
Your statements are the dashboard of your business.
You just need to know what to look for and what questions to ask to make decisions.
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Read each statement
Read the P&L, balance sheet, and cash flow information like a story.
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Connect the statements
Understand how one business event moves all three reports.
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Practice with the Decoder
Use the Decoder, ask Zoe questions , and keep the Handbook as your reference.
What You Will Understand In Just 5 Days:
DAY 1 - Did You Make Money? (The Income Statement)
Read the P&L top to bottom like a story and discover what movement in each line says about the business.
See where each dollar of revenue goes.
Separate a gross-margin problem from an overhead problem.
Compare periods and determine whether growth is actually improving profit.
Approximately 30–45 minutes.
DAY 2 - What Do You Own, What Do You Owe? (The Balance Sheet)
Read the balance sheet as a picture of what the business owns, what it owes, and what remains for the owner.
Understand assets, liabilities, and equity in owner language.
See where cash may be tied up in receivables, inventory, or work in progress.
Recognize why rising retained earnings do not mean the same amount is sitting in cash.
Approximately 30–45 minutes.
DAY 3 - Where Did the Cash Go? (The Cash Flow Bridge)
Connect reported profit to cash and identify the business activities that may explain the difference.
Build a simplified bridge from net profit to cash.
Understand five common accounts that explain why profit and cash moved differently
Stop treating the bank balance as the complete measure of business performance.
Approximately 30–45 minutes.
DAY 4 - The Financial Questions a Lender May Ask (Ratios)
Understand how lenders may evaluate profitability, liquidity, leverage, debt service, and cash generation.
Read selected ratios without memorizing accounting formulas.
Identify areas that may deserve attention before a financing conversation.
Have a more informed discussion without assuming any single ratio guarantees approval.
Approximately 30–45 minutes.
DAY 5 - How Long Is Your Cash Trapped? (The Cash Cycle)
Understand how billing, collections, inventory and vendor-payment timing can affect your cash cycle.
Identify how your operations may trap cash.
See how growth increases your need for working capital.
Identify practical questions about pricing, margins, billing, collections, costs, and vendor-payment timing.
Approximately 30–45 minutes.
Also Included in the Course
Add-Backs & Normalized P&L
Understand why a buyer may want to rebuild your reported profit
Learn the common add-backs used to normalize a P&L.
Break-Even Analysis
Learn to calculate your break-even revenue
See the size of your safety-margin cushion
The answer to the question that keeps you up at night
The Cash Levers
The seven levers that actually move revenue to cash
See what a small pull on each is worth to your business
The Bankable Report
The seven levers that actually move revenue to cash
See what a small pull on each is worth to your business
Planned public price: $197 · Lifetime access · 7-day guarantee
What's Included In 5-Day Financial Statement Decoder Course
Daily Interactive Practice
Zoe: Your AI Learning Assistant
The Owner's Financial Decoder Handbook
Meet Your Instructor
My name is Guy.
I worked as an M&A investment banker and later co-founded and operated a private equity firm. From the buyer's side, I saw what financial statements reveal about profit, cash, debt capacity and what a business is actually worth.
I also built and operated businesses, including five salon-and-spa locations my wife and I ran for more than ten years. Early on, I watched my wife wrestle with a bank account balance that didn't match the profit our P&L claimed we made.
That showed me something different. Capable owners are handed accurate reports that nobody has translated into the language of running their business.
Here's the #1 thing I've learned: you do not need an MBA or an accounting degree to understand what your financial statements are telling you. You need someone to translate the numbers into the language of owning and operating a business.
That's the whole reason this exists.
But you probably don't care about my story. You care about one thing: can I actually help you? Fair.
That’s why this course does not teach you how to prepare financial statements, it teaches you how to read them. You work through realistic, connected financial statements, use the Interactive Statement Decoder to see how the numbers affect one another, and ask Zoe for plain-English explanations whenever something does not make sense.
Planned public price: $199 · Lifetime access · 7-day guarantee
Who Is This Course For?
You are a business owner who routinely receives financial statements that you do not fully understand.
You would like to better understand profit, cash, and the financial health of your business.
You want to grow, borrow, or eventually sell
You are willing to spend approximately 30–45 minutes a day for five days.
Who Is This Course NOT For?
You want theory and accounting-certification prep
You want tax advice or tax-return preparation
You want bookkeeping software training
You won't spend 30 minutes a day for five days to complete the lessons
PLanned public price: $199 · Lifetime access · 7-day guarantee
Frequently Asked Questions
Do I need an accounting or finance background?
No. This is built for owners who never studied accounting. Every term is explained in plain English before it is used.
I'm not a numbers person. Will I keep up?
That's exactly who this is built for. Every term is translated into plain English before it's used. If you can read a bank statement, you can do this.
How much time does it take?
Plan for approximately 30–45 minutes a day for five days. You will also receive lifetime access, so you can revisit the material later.
Can't I learn all of this on YouTube?
You can find definitions on YouTube. What is harder to find is a connected system showing how the income statement, balance sheet, and cash flow information affect one another. The Decoder gives you that system, interactive practice, Zoe’s explanations, and the Handbook as a lasting reference.
Do I need my financial statements ready?
No. You begin with a realistic fictional service company whose financial statements connect across the course. You can apply the lessons to your own reports when you are ready.
Is my financial data safe?
You can complete the entire course using the fictional sample company, without entering any of your own financial information.
Is Zoe replacing my accountant or CFO?
No. Zoe is an educational assistant inside the Decoder. She helps explain concepts and questions in plain English. She does not provide individualized accounting, tax, legal, lending, or investment advice.
Is there a guarantee?
Absolutely!
Complete Day 1 and Day 2.
If you do not understand your income statement and balance sheet better than you did before, email us within seven days of purchase and we will refund you.
The risk is ours.
Your Financial Statements Already Contain Important Answers
You do not need to become an accountant.
You need to know where to look, what to ask, and what the numbers may be telling you about your business.
PLanned public price: $199 · Lifetime access · 7-day guarantee
