Sometimes running a business can feel like cycling uphill with square wheels.

But zero online accounting software can help predict the future cash flow of your business.

So you can stay one step ahead. Soon it'll feel more like free-wearing downhill.

On a tandem! What, mate? With a messer on the back.

Oh, that's nice.

Search zero with an axe. Because healthy business is beautiful business.

It's great to have you here on the Clark Howard Show where it's about you learning ways to save more and spend less and avoid getting ripped off.

You get to hear how people feel ripped off by me.

Later is we have our Clark Stink segment on the air where producer Krista goes through your posts on Clark.com slash Clark Stinks.

And shares with you where people feel that I have failed in my job, provided bad advice, bad guidance or bad opinions.

And I want to tell you something.

My wife Stinks. I've never said that before.

Because she's one of those people who's just perfect all the time. It's not fair.

She's already finished all her Christmas and Hanukkah shopping.

She's bought for everybody on the Christmas list, everybody on the Hanukkah list. She's done.

Finished it. Most of it. It by mid October.

Was it like to be that perfect all the time? I'm bought anything for anybody.

So I got to tell you how she does it.

She buys for any women or girls on the list and gives me the guys to buy for.

She has no interest in the types of things guys usually want. And she says, as up to me.

And she handles all the women and girls. But she's done done.

40% of people have already done some most are all their shopping according to a survey I saw in the Louisville career journal.

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