Martin Garza

child of God, father of 2+4, husband of @charlene226cox, 4th generation Texan, Catholic #KoC, #soccer player/ref, American Water TX Territory Manager ♎ #LITFB

[Rob Jacob @realCFOrob]

Three minutes to test if you're running off the numbers or off the bank balance:

Open your books. Find your gross margin %.
Find your A/R over 30 days.
Find your operating expense total.

If any of those took more than 90 seconds to locate, your system needs work. The numbers should live in one place — same sources, same cadence, into your model. That's what runs the business.

https://t.co/wBLe2v8KEu

[Martin Garza @MartinGarza]

Love this!!! #DSTX

[Rob Jacob @realCFOrob]

Featured in this month's Dripping Springs City Lifestyle: “Whippled but Not Whipped.”

A major surgery taught me to ask “what next.” What next became realCFO — helping owners run on real numbers, not the bank balance.

https://t.co/V2fovi0a1u

[Rob Jacob @realCFOrob]

Most owners run their business off one number. It's the wrong number.

The bank balance tells you what already happened. It can't tell you what's coming.

What number do you read first on Monday morning?

https://t.co/R3EWfJphS1

[Rob Jacob @realCFOrob]

A business owner came to me. Bank balance: healthy. About to make a $60K hire.

I asked his AR days. He didn't know.

We pulled it: $100,000 sitting uncollected.

Held the hire. Collected the cash. Made the offer 30 days later, on the right number.

https://t.co/R3EWfJphS1

[♏️ 𝓓𝓪𝓻 ♏️ @DameScorpio]

These videos get me every time.🥹 Soldiers surprising their families on their return home. I can only imagine the joy of a surprise like this. ♥️ Thank you one and all for your service.🫡

[The Pizza Cave @ThePizzaCave]

Come on out to Pizza Cave for Family Movie Night on our patios. Join us on Wednesday, March 18.
We will be showing Disney Pixar's "Ratatouille".
Movie to start at 7:45-ish. Bring the kids, bring the whole family. Special for that day - RATATOUILLE PIZZA!!

[Ayesha Tabassum @ayesha3920]

THAT’S WHY AIRLINES HATE CHATGPT

Flight: $879. I paid: $299.
No points. No memberships. No VPN.

Here are the 8 prompts I used to travel like a pro ↓

[Pittsburgh Steelers @steelers]

Who wants it⁉️

RP for your chance to win this signed @JoeyPorterJr jersey!

[Andrew Fillipponi @ThePoniExpress]

GIVEAWAY: IF the Steelers beat the Ratbirds. And TJ Watt returns and has 2+ sacks. I will giveaway 10 (!!!) Authentic TJ Watt jerseys. All you have to do is 1) follow me. And 2) Repost this. That's it. Spread the word. AFC North Title Game. Here. We. Go.

[Rob Jacob @realCFOrob]

Hey business owners!

Ever feel like your financial statements are written in ancient hieroglyphs?

What's the ONE thing you just DON'T GET about your P&L, balance sheet, or cash flow statement? (e.g., "Why does profit ≠ cash??")

Drop your Qs below – I'll break 'em down! Let's turn confusion into clarity.

[Rob Jacob @realCFOrob]

Heads up, founders: Working capital is your biz's daily hustle fund:

Current assets:

Cash + Inventory - Unpaid invoices = Working Capital

It's grease keeping operations smooth without squeaking to a halt.

Sloppy WC? Instant cash famine.

Nail it by: Chasing AR like it's Black Friday deals, stretching AP without burning bridges, and trimming inventory (no hoarding like a squirrel on steroids).

Dad joke alert:

Why'd the working capital go to therapy? Too many current emotional liabilities!

[Rob Jacob @realCFOrob]

I work with tons of small businesses, and the #1 reason they reach out?

They're in a straight-up cash crunch.

Heads up, folks: 9 times out of 10, it's from sloppy working capital management (Payables, Receivables, Inventory).

Nail your systems and actually understand your numbers—it'll save you a world of heartburn.

Who loves reviewing Working Capital?

I bet none of you!

[Martin Garza @MartinGarza]

@Cla656 Belated birthday wishes! 🥳🎉

[Rob Jacob @realCFOrob]

Dad joke finale: Why did the price break up with the discount?

It needed more margin for error! (You're welcome for the eye-roll)

Not taking pricing seriously = leaving money on the table.

Who’s finally building a real strategy this weekend?

[Rob Jacob @realCFOrob]

Myth: Match competitors' prices to compete.

Truth:
You're not them—your story, speed, and smarts set you apart.

If you are not testing what the market is willing to pay, you are missing an opportunity to engage in conversation with your customers.

What is your ‘Me-too’ pricing message sending to the market?

I am not special!

What sets you apart from your competitors?

#PricingStrategy #BootstrapLife

[Rob Jacob @realCFOrob]

Halloween eve reminder:

A 'healthy' balance sheet isn't a ghost story.

—It's working capital that covers 3+ months of ops.

Audit yours before the tricks hit.

What's haunting YOUR finances

[Rob Jacob @realCFOrob]

💰From Lead to Loot: The Sales-to-Cash Sprint

Your sales cycle (lead gen → close) isn't just a hurdle—it's the hidden tax on cash flow. Avg B2B: 84 days. Add CCC (inventory + collections - payables): another 30-60 days.

Total lockup? 100+ days of tied-up capital.

🚀Pro tip:

Map your process & key metrics (e.g., win rate, avg deal size) to forecast cash—project inflows from pipeline stages. Spot bottlenecks early; turn deals into dollars faster—scale without starving!

[Rob Jacob @realCFOrob]

I keep seeing posts saying.

“I need to do more marketing.”

What does that even mean?

You need to have a plan:

Brand Development – Just getting your name out there and making people feel good about your product!

Lead Gen – Going out and finding people who will buy your product.

Quick tip:

If you’re a start-up, Lead Gen is all that matters! No User, no Startup!

Brand Development is when you are cash-flowing.

Find your ROI for your time and money!

[Rob Jacob @realCFOrob]

This morning's global AWS outage—knocking out Snapchat, Roblox, Fortnite, Robinhood, and countless other services—hits like a digital earthquake.

In seconds, businesses worldwide ground to a halt, all because of a single point of failure in their "supplier": the cloud giant powering 30%+ of the internet . This isn't just a tech glitch—it's a textbook supplier disruption. One delay in AWS's infrastructure ripples through global operations, costing millions in lost revenue and eroding customer trust.

Sound familiar?

We've seen it with semiconductor shortages, port strikes, and pandemics. But here's the kicker: while we rush to fix the symptoms, the real barrier isn't tech—it's financial. As this HBR article nails it, justifying investments in resilient supply chains is tough when disruptions feel probabilistic and ROI elusive.

Extra suppliers?

Backup inventories?

Multi-cloud strategies?

They tie up capital with no immediate payoff—until bam, AWS (or your key vendor) falters. Key takeaways from the piece to bulletproof your chains:

•Go cross-functional: Loop in finance, ops, and sales early. Don't silo resilience in procurement—treat it as a company-wide bet on continuity.

•Embrace the strategic: Some investments are non-negotiable for survival, like Toyota's post-tsunami inventory hoard that saved them during COVID nine years later.

•Measure smart, not perfect: Use tools like risk assessments to prioritize high-impact disruptions without chasing flawless data.

•Act now, refine later: Avoid analysis paralysis. Start with archetypes—qualify backup suppliers or redesign for alternatives—and iterate as threats evolve.

In a world where AWS is the supply chain for so many, today's chaos screams: Diversify, or die trying.

What's your move to resilience-proof against the next outage?

Read more: https://t.co/hasZTYmKXp

[Rob Jacob @realCFOrob]

Helping others achieve their goals. Is what realCFO is all about.