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👉 Try Monarch Money (7-day free trial + 50% off): https://marriagekidsandmoney.com/mona... If you're running a small business or a one-person business, your biggest threat isn’t competition. It’s cash flow. In this video, I rank the best business budgeting software for small business owners and solopreneurs based on clarity, usability, scalability, and real-world experience running a $200K per year one-person business. I break down what each tool does well, where it falls short, and who it’s best for so you can confidently choose the right system to manage your cash flow, pay yourself consistently, and plan for growth. 🕒 Chapters 00:00 Why Cash Flow Matters More Than Competition 01:10 #5 QuickBooks 02:20 #4 FreshBooks 03:25 #3 Simplifi 04:35 #2 YNAB 05:50 #1 Monarch Money 08:30 How I Structure My Business Budget 10:15 Final Thoughts on Choosing the Right Tool 🔗 Resources Mentioned Monarch Money https://marriagekidsandmoney.com/mona... YNAB (You Need A Budget) https://marriagekidsandmoney.com/ynab Simplifi https://marriagekidsandmoney.com/simp... FreshBooks https://www.freshbooks.com/ QuickBooks https://quickbooks.intuit.com/ 📌 Affiliate Disclosure Some of the links above are affiliate links. This means I may earn a commission if you choose to sign up, at no extra cost to you. I only recommend tools that I believe can help you build a sustainable and profitable one-person business. If you’re building a business that supports your life, not the other way around, subscribe for more solopreneur insights. Carpe diem. ______ SOLOPRENEUR LIFE: This channel is your go-to resource for starting and growing a profitable one-person business that supports your family, fuels your passion, and gives you back what matters most: your time. If you're ready to stop doing work you have to do and start doing work you want to do, you're in the right place. Here, we believe that success doesn’t require 40+ hour workweeks or corporate grind. It’s about learning how to own your time, build something meaningful, and live life on your terms — often in just 20 hours a week. Subscribe for weekly videos on solopreneur strategies, mindset shifts, productivity tips, and real-life stories to help you design the business (and life) you deserve. BIO - ANDY HILL: Andy Hill is the award-winning family finance coach behind Marriage Kids and Money - a platform dedicated to helping young families build wealth and happiness. Andy's advice and personal finance experience have been featured in major media outlets like CNBC, Forbes, MarketWatch, Kiplinger’s Personal Finance and NBC News. With millions of downloads and views, Andy’s message of family financial empowerment has resonated with listeners, readers and viewers across the world. When he's not "talking money", Andy enjoys being a Soccer Dad, singing karaoke with his wife and relaxing in his hammock. HOW WE MAKE MONEY & DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone, and this content has not been provided by, reviewed, approved or endorsed by any advertiser. Information shared on this channel is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. CREDITS Research & Writing: Andy Hill Video Editing: EditVideo.io Thumbnail: Ardi, The Thumbnail Wiz