???? Q4 Is Here — And She’s Wearing a Deadline

Let’s Talk Year-End Planning Like You Actually Mean It

It’s Q4.
Not “almost Q4.”
Not “soon-ish.”
It’s here. And whether you’re ready or not, the final stretch of the year just clocked in.

You’ve got about 90 days left to get your books in order, make strategic decisions, and tie up the kind of loose ends that cost real money if left dangling into the new year.

So no — it’s not nap time. It’s go time.

Let’s Talk About the Real Energy of Q4:

Q4 isn’t just about twinkle lights and end-of-year sales.
It’s about decisions — the kind that shape what your January looks like.

• Are you paying yourself this year or punting again?
  
• Is your tax bill going to wreck your holidays or will you be ready for it?
  
• Are you finally going to set up that SEP IRA you keep talking about?
  

You don’t need to do everything today, but you do need a plan. And if you start now, you won’t be trying to run a marathon in December with no fuel left in the tank.

Year-End Tax Prep You Can Start Right Now:

Let’s get the boring-but-important stuff handled early. Start with:
✅ Finalizing mileage logs before they become guesswork
✅ Cleaning up your expense categories — yes, even the random Amazon ones
✅ Checking in on retirement contributions — are you maxing out?
✅ Estimating your income and setting aside for taxes (your future self will thank you)
✅ Reviewing your payroll if you’re planning bonuses or profit sharing

Don’t Wait to Loop in Your Bookkeeper or CPA:

You don’t want to be the client emailing at 10pm on December 30th asking what can still be written off. (Trust me — we remember those people.)

Instead, get on the calendar now. Ask questions. Make moves while there’s still time to be strategic, not just reactive.

Boss Move Blueprint:

Here are 5 things to do this week if you want to walk into January like a legend:

1. Schedule a year-end planning meeting
   
2. Update your bookkeeping through Sept 30
   
3. Forecast your Q4 income and expenses
   
4. Review your cash flow plan — especially if you’re giving bonuses or stocking up before year-end
   
5. Set one clear goal for Q4 — and actually build a budget or action plan around it
   

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Want to go into 2026 without financial anxiety?
Then it’s time to treat Q4 like the queen she is — focused, intentional, and powerful.

Because here’s the truth:
If you treat this quarter like a throwaway, you’ll start the new year cleaning up a mess instead of building momentum.

But if you treat it like the power move it is?
You’ll be three steps ahead while everyone else is still digging through receipts in January.