If the anxiety never shuts off, this episode is for you. When you’re buried in jobs, chasing checks, and the phone goes quiet the moment you stop pushing, it’s not because you’re lazy or broken. It’s because the systems around your money are broken. On this episode of the Stop Working Broke Podcast, Chad Murray sits down with licensed financial professional Ronnie Slomkowski to talk about the financial stress most business owners live with every day but rarely fix.

Most service business owners know they should have a financial plan, but they keep putting it off. Money feels overwhelming, confusing, and easy to avoid until the stress becomes constant. In this conversation, Chad and Ronnie break down why avoiding finances quietly fuels anxiety, bad decisions, and burnout. They talk honestly about why selling your business is not a guaranteed retirement plan, why small consistent investing beats waiting for the perfect moment, and why building a business without a financial foundation often leads to working longer and harder with nothing to show for it.

Ronnie explains how real financial freedom is built by putting simple systems in place, not by becoming a market expert or gambling on someday. The discussion covers protection, debt strategy, investing, retirement planning, and the discipline required to stay steady when fear and market noise show up. Chad shares real-world lessons from selling his own service business and why clarity around money is often the missing piece behind constant pressure and poor decisions.

This episode isn’t about hype or motivation. It’s about creating stability so the anxiety stops running your business and your life. Freedom doesn’t start when you make more money. It starts when you stop avoiding the numbers and start building systems that work without constant panic.

Ronnie Slomkowski works with business owners and families to create complete financial plans focused on clarity, confidence, and long-term freedom. If you know you need to get your finances in order and you’re tired of ignoring it, you can contact Ronnie directly by email at ronnieslomkowsi@gmail.com or by phone at 678-689-4999.

The Stop Working Broke Podcast is hosted by Chad Murray, former $4M service business owner and founder of Stop Working Broke. The show is for business owners who are tired of grinding, stressed about money, and stuck in the same cycle year after year. The conversations are real, direct, and practical, focused on building better businesses without sacrificing your life.

Before you go, if this episode hit home and you’re tired of running your business under constant financial pressure, here’s how to take the next step.

👉 Book a call with me: https://profit.stopworkingbroke.com/widget/bookings/my-calendar-stop-working-broke

If you’ve got questions, want clarity, or need help figuring out your next move, that’s the place to start.

📩 Email:
chad@stopworkingbroke.com

🔗 Follow & Subscribe:
Facebook: https://www.facebook.com/profile.php?id=61583902921803

Instagram: https://www.instagram.com/stop_working_broke

YouTube: https://www.youtube.com/@STOPWORKINGBROKECOACH

And if this podcast helped you, do me a favor — subscribe, leave a review, and share it with another business owner who’s stuck in the same cash-flow stress loop.

This is the Stop Working Broke Podcast — where we help you build a business that actually works for your life.

I’ll see you next week.

If you wait until you NEED money… you’ll get the worst money.

In the first Stop Working Broke episode of 2026, Chad Murray sits down with his funding partner Mike Farrell (MJF Funding Solutions) to break down how business owners can access revolving 0% APR business credit lines and even $50K–$250K in startup capital (often 12–18 months at 0%) — without getting trapped in predatory loans or merchant cash advances.

They cover how business funding actually works, why banks reject most owners, how smart businesses use “other people’s money,” and how credit can often be improved faster than people think — so you can get positioned to scale, not scramble.

What you’ll learn:
-Why the worst time to get funding is when you “need it”
-How 0% business credit lines work (and why banks offer them)
-The “1% minimum payment” advantage on revolving credit
-How to avoid merchant cash advance traps
-Funding strategies for startups AND established businesses
-Credit repair paths that can make you fundable again

Next step: Apply first (soft pull). If you’re declined, Chad and Mike will help map the credit-fix path so you can get funded the right way.

👉 Click to Apply

Chapters:
00:00 – Why this episode matters
05:00 – What MJF Funding Solutions actually does
12:00 – The funding trap: “money when you need it”
20:00 – 0% credit lines for startups (pre-revenue)
30:00 – Using credit correctly to scale (not survive)
45:00 – How credit repair can work fast
55:00 – Fees, rewards, and why it’s real
1:05:00 – Final warning: banks lend when it’s sunny

Before you go, if this episode hit home and you’re tired of running your business under constant financial pressure, here’s how to take the next step.

👉 Book a call with me


If you’ve got questions, want clarity, or need help figuring out your next move, that’s the place to start.

📩 Email:
chad@stopworkingbroke.com

🔗 Follow & Subscribe:
Facebook
Instagram
YouTube

And if this podcast helped you, do me a favor — subscribe, leave a review, and share it with another business owner who’s stuck in the same cash-flow stress loop.

This is the Stop Working Broke Podcast — where we help you build a business that actually works for your life.

I’ll see you next week.

AI or die for Blue Collar Businesses - Where to start

If you’re a service business owner and you keep hearing “use AI”… but you’re not sure how it actually helps your day-to-day—this episode is for you.

In this conversation, Chad sits down with Dan Gentry (Impact AI / Third Power Performance) to break down practical ways AI can help you in two big areas:

✅ 1) Your business: save time, speed up follow-up, organize your operations, and stop dropping balls.
✅ 2) Your personal life: use the time AI gives you back to actually enjoy your life instead of just “doing more.”

We talk about real, simple use-cases like:

• Email overload: using AI to categorize messages and create drafts (without sending anything automatically)
• Chatbots + support: reduce repetitive questions and help leads get what they need faster
• Meeting notes → action: turning your recorded meetings into tasks, reminders, and follow-ups so your team actually executes
• AI agents: the “future assistant” that can run workflows in the background and keep your business moving
• Know your numbers: why data extraction + simple dashboards will separate winners from losers in the next 5 years

Chad also shares a wild example of using ChatGPT to help write a full book draft in just a few hours—in his voice—and why business owners who don’t adopt AI will get left behind just like the companies who ignored the internet in the late 90s.

🔥 Big takeaway

AI isn’t “magic.” It’s systems. And the businesses that build systems now will dominate later.

Work with Chad (Stop Working Broke)

Book a discovery call: https://profit.stopworkingbroke.com/widget/bookings/my-calendar-stop-working-broke

Email: stopworkingbroke@gmail.com
YouTube: https://www.youtube.com/@STOPWORKINGBROKECOACH
Instagram: https://www.instagram.com/stop_working_broke
Facebook: https://www.facebook.com/profile.php?id=61583902921803

Connect with Dan Gentry

Website: Third Power Life Balance AI
(Also mentioned: his free AI learning community + QR code in the video)

Dan's Skool link to learn AI...https://www.skool.com/impact-ai

Chapters / Timestamps (optional)
00:00 Intro + why this podcast is taking off
03:00 Dan’s background + why AI is different
10:00 AI for business owners: email + support + chatbots
20:00 AI agents + workflow automation (meeting notes → tasks)
35:00 AI + your numbers + dashboards
45:00 Why AI adoption is the new “internet moment”
55:00 How to connect with Dan + next steps

#AIForBusiness #ServiceBusiness #HomeService #SmallBusinessGrowth #StopWorkingBroke #Automation #AIagents