CFO Made Simple is a site and podcast dedicated to equipping business owners with the information and tools they need to crush the financial issues in their business. On the website, you can listen to our podcast, read our blog, or check out all of the resources we have available to make your life easier.
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CFO Made Simple Podcasts
Welcome to TreasuryCast, the podcast series brought to you by Treasury Management International, a well-respected and independent voice in the treasury world. TreasuryCast showcases topical, pragmatic solutions and strategic insights providing valuable material for all practitioners, from experienced treasurers and CFOs to those new to the profession.
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A guide to the unique mindset and approach that drives Silicon Valley style disruption. Build product, raise money, and scale your startup like the best. TSP hosts Chris Saad and Yaniv Bernstein share practical advice based on decades of experience at Google, Uber, and their own startups.
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Cash Flow with Pam Prior is the podcast that makes business finances simple, practical, and stress-free. Hosted by bestselling author, CFO, and finance coach Pam Prior, each episode tackles the real questions entrepreneurs are asking about money, cash flow, and running a business. Pam breaks down complicated financial topics into plain English and gives you straightforward, actionable answers you can actually use—without the jargon, overwhelm, or spreadsheets that put you to sleep. If you’ve ...
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S7E15: The Hidden Cost of the 2025 Shutdown: Payroll Poison for Small Businesses
11:32
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11:32Disclaimer: This episode is for educational purposes only and does not constitute financial or tax advice. Episode Summary: This week, Pam Prior — your favorite straight-talking CFO for entrepreneurs — breaks down how the 2025 government shutdown could quietly crush your business cash flow. No politics. No panic. Just clarity. Pam reveals: ✅ How di…
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Insiders React: New ChatGPT Dev Tools Threaten App Store + Sora 2 Launch, Apple Removes ICE Block
47:02
47:02
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47:02What happens when AI stops being a product and starts being a platform? With OpenAI’s latest Dev Day changing the game, we might find out sooner rather than later. In this episode, Chris and Yaniv explore OpenAI’s Dev Day and the huge announcements made (including the Sora 2 launch), as well as their apparent transformation from product to platform…
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Seconds, Not Days: The New Standard for Corporate Treasury
17:15
17:15
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17:15Recorded live at Sibos in Frankfurt, TMI’s Eleanor Hill sat down with Carl Slabicki (BNY) to discuss the rapid rise in uptake of instant payments and what it means for corporate treasurers globally. Carl shares how instant payments adoption is shifting treasury towards a real-time, 24/7 model, BNY’s cross-border strategy, and provides actionable co…
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S7E14: Profit First vs. Reality: What You Actually Need for Smart Cash Flow Management
11:18
11:18
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11:18By Pam Prior
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By Treasury Management International (TMI)
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Nailing Your Market Niche w/ Dutch CEO, Joe Spector (Spotlight)
58:59
58:59
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Treasury Through the Eyes of a CFO: a 360 View on Strategy, Leverage and Governance
13:51
13:51
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13:51By Treasury Management International (TMI)
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Insiders React: ChatGPT Pulse: An Overpriced Daily Digest? + Hollywood’s First AI Actress, Amazon’s $2.5B Settlement
38:07
38:07
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38:07OpenAI just launched ChatGPT Pulse, a succinct, personalized daily feed. Will this shift the focus of AI from performance to personal context? Or is it just an overhyped, overpriced daily digest? In this episode, Chris and Yaniv get right into this week's tech news: the reality of ChatGPT Pulse, plus the wider implications of Hollywood's first AI a…
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Treasury Beyond Borders - Crossroads of Commerce: How Asia's Treasurers are Redefining Risk and Liquidity
36:25
36:25
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36:25Eleanor Hill (TMI) asks Yvonne Yiu and Sridhar Narayan (HSBC) how Asia’s treasury landscape is adapting to trade tensions, tariff shifts, and evolving supply chains. Our guests explore the rise of digital banking, real-time payments, and AI-driven cash forecasting, offering corporate treasurers practical guidance on liquidity management, risk mitig…
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S7E13: 3 Finance Myths Every CEO Must Stop Believing
15:14
15:14
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15:14Are finance myths holding your business back? 🚫 In this episode of The Cash Flow Podcast, Pam Prior busts the 3 biggest financial myths that keep entrepreneurs and CEOs stuck, broke, or heading toward burnout. Whether you’re running a $1M business or scaling past $10M, this episode will give you the clarity you need to stop relying only on bookkeep…
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How Being Genuine is a Critical Advantage For Startup Founders w/ Christine Blosdale, Expert Authority Coach (Edu)
50:45
50:45
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50:45Standing out has gotten even more difficult thanks to the flood of AI content, and many early-stage founders mistakenly believe they need to act like corporate brands to be taken seriously. In this episode, Yaniv chats with Christine Blosdale, an award-winning media coach, podcaster, and branding strategist. Together they discuss how authenticity, …
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Making MMF Investment Even More Intelligent
14:35
14:35
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14:35Eleanor Hill (TMI) and Pierre-Adrien Domon (Fund Channel) discuss the growing requirement from treasurers for real-time visibility and control over investments beyond cash balances, and how Fund Channel Liquidity aims to address these challenges. This candid conversation highlights the platform’s data-rich environment, advanced analytics, and uniqu…
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Insiders React: Tech Talent Pool to Be Decimated by New Fee + OpenAI Jobs Platform, $1B for Dishwashing Robots
53:27
53:27
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53:27What happens to Silicon Valley when the world’s best founders and engineers can no longer afford to work in the US? Today, Chris and Yaniv break down why the massive new work visa fee is a tech talent crisis waiting to happen. They discuss how Trump’s surprising $100K H-1B fee could reshape startup hiring and the tech sector at large, along with th…
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S7E12: Lease or Buy? The Simple Way to Decide
5:11
5:11
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5:11Disclaimer: This content is for educational purposes only and is not tax or financial advice. Always consult a qualified tax professional for guidance specific to your situation. Join the Keep It Simple Squad (K.I.$.$.): https://go.pamprior.com/keep-it-simple-squad Should you lease or buy equipment for your business? It’s one of the most common—and…
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S7E11: The Truth About Discounts - How to Use Them Without Killing Your Profits
6:12
6:12
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6:12Disclaimer: This content is for educational purposes only and is not tax or financial advice. Always consult a qualified tax professional for guidance specific to your situation. Join the Keep It Simple Squad (K.I.$.$.): https://go.pamprior.com/keep-it-simple-squad Discounts can be a powerful tool for your business—but used the wrong way, they can …
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Treasury Beyond Borders - Treasury’s AI Future: Balancing Efficiency, Trust and Human Judgement
25:26
25:26
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25:26In this episode of Treasury Beyond Borders, Eleanor Hill (TMI) speaks with Rahul Badhwar and Allen Li (HSBC) about how treasurers can benefit from AI today, and where its limits remain. They discuss the role of AI in automating workflows, improving data analysis, and supporting risk management – while underlining the importance of governance, trans…
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Why Every Startup Founder Should Consider B2B SaaS w/ Rob Walling (Edu)
58:29
58:29
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58:29Is the new age of AI agents about to kill niche B2B SaaS businesses? Many first-time founders worry that tools like ChatGPT or custom AI builders will make off-the-shelf SaaS products obsolete, but it could simply herald a new evolution of SaaS. In this episode, Yaniv is joined by Rob Walling, serial founder, investor, and author of The SaaS Playbo…
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ISO 20022 Made Simple: Navigating the ISO 20022 Migration
39:21
39:21
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39:21ISO 20022 isn’t just a messaging standard. It’s a catalyst for unlocking value across the payments ecosystem. In this episode, we zoom in on the practical realities of migration. Nicolas Stuckens (Swift), Girish Raju, and Danielle Sharpe (Standard Chartered) explore what migration involves and when to approach it, outlining key timelines and resour…
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S7E10: The Blind Spots That Could Sink Your Business — And How to Avoid Them
7:12
7:12
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7:12Disclaimer: This content is for educational purposes only and is not tax or financial advice. Always consult a qualified tax professional for guidance specific to your situation. Join the Keep It Simple Squad (K.I.$.$.): https://go.pamprior.com/keep-it-simple-squad Every entrepreneur has blind spots—the hidden mistakes or overlooked details that ca…
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Insiders React: YouTube's Steady Domination + Oracle's AI Comeback, Sam Altman v. Tucker Carlson
55:08
55:08
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55:08Is YouTube quietly becoming the most powerful platform in the world? Announcements made during Made On YouTube 2025 revealed incredibly promising long-term plans, with the media giant seemingly set to dominate video, music, and podcasts with the help of Google’s AI. Too many entrepreneurs still see YouTube as ‘just’ a video host, missing the bigger…
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S7E9: How to Anticipate & Plan for Taxes: Avoiding the #1 Financial Surprise in Your Business
10:43
10:43
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10:43Disclaimer: This content is for educational purposes only and is not tax or financial advice. Always consult a qualified tax professional for guidance specific to your situation. Join the Keep It Simple Squad (K.I.$.$.): https://go.pamprior.com/keep-it-simple-squad Taxes are the biggest expense most entrepreneurs ignore—until a surprise bill shows …
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Be Persistent Without Being Stupid: We Learn from YC Founder Paul Graham
41:13
41:13
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41:13Are you truly being persistent with your startup, or just being stubborn? In the new age of AI-powered founders and hyper-fast iteration, many entrepreneurs mistake obstinacy for persistence and end up running out of time, money, and morale. Too often we glorify “hustle” and “grit” without understanding when to adapt, pivot, or quit. The misconcept…
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Insiders React: Apple's Huge AI Blunder + IPO Market Heats Up, White House Tech Dinner
57:09
57:09
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57:09With Apple’s iPhone Air, iPhone 17 Pro, AirPods Pro 3, and Apple Watch 11 now unveiled, what does this mean for the future of phones and wearable tech? And does the incredible AI of Google Pixel still blow Siri out of the water? In this episode, Chris and Yaniv delve into Apple’s newest product lineup and what it reveals about the company’s long-te…
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Treasury Beyond Borders – Treasury 2030: India's Playbook from UPI to the Digital Rupee
24:29
24:29
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24:29Discover how India is redefining global treasury strategy. TMI’s Eleanor Hill speaks with HSBC’s Aditya Lakhanpal and Mohit Agarwal to share essential insights for treasurers navigating rapid change in one of the world’s fastest-growing markets. From UPI’s instant payments and the digital rupee to GIFT City’s rise and ESG integration, this episode …
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S7E8: TAXES 2026 | How to Plan Ahead & Avoid Surprises as an Entrepreneur
10:25
10:25
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10:25⚠️ Disclaimer: This podcast is for informational purposes only. It is not financial, legal, or tax advice. Always consult with a qualified professional before making financial decisions. Join the Keep It Simple Squad: https://go.pamprior.com/keep-it-simple-squad Taxes don’t have to be scary—or complicated. In this episode of Cash Flow with Pam Prio…
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Growing a Pre-Seed Startup? This Is The Core Knowledge You Need w/ Ashley Smith
57:54
57:54
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57:54Pre-seed founders want explosive growth early on, but are you following the wrong playbook too soon? These days strategies, acronyms, and well-intended advice are everywhere, but today's guest argues that the path forward is a simple one: talk to customers, run experiments, and embrace rejection as part of the journey. In this episode, Yaniv Bernst…
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Artificial Intelligence X ISO 20022 = A Perfect Match?
28:59
28:59
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28:59Can AI unlock the full potential of ISO 20022? The second episode in Standard Chartered's ISO 20022 Made Simple series focuses on how AI can enhance the efficiency and accuracy of ISO 20022 message processing. Elena Strbac and Danielle Sharpe (Standard Chartered) deep dive on specific AI applications and discuss the potential ethical concerns and r…
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Welcome to the latest edition of Liquidity Link Live, your exclusive market analysis provided by Northern Trust Asset Management, one of the world’s largest cash managers. Tune in each month to discover the very latest insights on the UK, Eurozone and US markets. This edition was recorded on the 3rd September 2025.…
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Insiders React: Google Antitrust: Is The Ruling Fair? + YC’s Latest Request For Startups, Statsig Acquisition
47:43
47:43
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47:43Google’s long-running antitrust case has reached its remedy stage, and the outcome was far lighter than many expected. No breakup, no ban on default search deals, just a few constraints on bundling apps and some required data sharing, but it may not be quite as simple as it seems on the surface. Meanwhile, OpenAI dropped $1.1 billion to acquire Sta…
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S7E7: Stop Making These Money Mistakes: Personal vs. Business Accounts Explained
11:37
11:37
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11:37⚠️ Disclaimer: This podcast is for informational purposes only. It is not financial, legal, or tax advice. Always consult with a qualified professional before making financial decisions. Too many entrepreneurs are still running their business out of a personal checking account or swiping their personal credit card for everything. Sure, it feels eas…
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So You’re Thinking of Setting up an In-House Bank?
17:09
17:09
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17:09Treasurers pondering the creation of an in-house bank may feel discouraged by the time and resources required to set one up. Catherine Porter, Head of Treasury at Arup and Joost Bergen, Founder of Cash Dynamics, offer a ‘warts-and-all’ review of the challenges and benefits that lie ahead.By Treasury Management International (TMI)
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SEPA Instant Credit Transfers – Towards a New European Standard?
9:10
9:10
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9:10The European Instant Payments Regulation which came into force a year ago, now requires all payment service providers in the Eurozone of the European Economic Area to offer SEPA instant credit transfers for incoming payments by January 2025 and for outgoing payments by October 2025 at the latest. This regulation thus reaffirms its objective of acce…
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S7E6: Do You Really Need a Bookkeeper or Software? | Simple Business Cash Solutions with Pam Prior
9:43
9:43
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9:43⚠️ Disclaimer: This podcast is for informational purposes only. It is not financial, legal, or tax advice. Always consult with a qualified professional before making financial decisions. Struggling to figure out if you actually need bookkeeping software or a bookkeeper for your business? You’re not alone—these are the exact questions entrepreneurs …
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First Principles: Listen to This Before You Apply to YC
38:04
38:04
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38:04It seems like startup accelerators are everywhere these days. But what are they? What’s the point of them? And most importantly, is it worth having your startup go through one? Based on their own experience with YC and startups, Chris and Yaniv talk you through it all. In this episode, you will: Learn what startup accelerators are and how they work…
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Treasury Beyond Borders – Bridging Innovation and Resilience: Europe Connected
24:01
24:01
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24:01How are Europe’s treasurers adapting to a rapidly evolving landscape? Eleanor Hill (TMI) is joined by HSBC’s Yasemin Artar and Marwan Dagher to discuss the drivers reshaping corporate priorities across the region. From regulatory change and the implications of a Digital Euro to the rising importance of FX risk management and cash flow forecasting, …
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S7E5: Business Bank Accounts & Simple Money Rules Every Entrepreneur Needs
14:25
14:25
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14:25⚠️ Disclaimer: This podcast is for informational and educational purposes only. It is not financial, legal, or tax advice. Always consult with a qualified professional before making financial decisions. Join the Keep It Simple Squad (K.I.$.$.): https://go.pamprior.com/keep-it-simple-squad Starting a business comes with a million “shoulds”… but whic…
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Insiders React: Google Pixel 10 – Does It Finally Beat Apple at Its Own Game?
35:21
35:21
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35:21Is Apple’s dominance in smartphones starting to crack? Google’s Pixel 10 launch brought AI-first features, polished hardware, and bold marketing, signaling a new era in the iPhone vs. Android rivalry. For years, the iPhone has been synonymous with polish, hardware quality, and ecosystem lock-in. But with Google’s patient, decade-long investment in …
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S7E4: Simple Finance Wins: Cash Flow Forecasts, Budgets, and Self-Pay for Business Owners
15:17
15:17
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15:17⚠️ Disclaimer: This podcast is for informational and educational purposes only. It is not financial, legal, or tax advice. Always consult with a qualified professional before making financial decisions. Join the Keep It Simple Squad (K.I.$.$.): https://go.pamprior.com/keep-it-simple-squad Ever looked at your profit and loss statement and thought, “…
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ISO 20022: Enhanced Data = Enhanced Risk Management
36:38
36:38
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36:38The first episode of Standard Chartered's new podcast series explores how ISO 20022’s richer data formats and standardised messages can improve compliance and risk management in correspondent banking flows. We cover the benefits which makes the process more effective, as well as sanctions screening, fraud detection and AML checks.…
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Startup Tech Stacks: Make Your Product Stand Out & Get Used w/ Joseph Ruscio
1:04:17
1:04:17
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1:04:17What makes a great tech infrastructure startup? And how do the best ones successfully navigate, and stand out from, the overcrowded market? In this episode, Yaniv is joined by Joseph Ruscio, General Partner at Heavybit and former CTO of Vibrato, to unpack the dos and don'ts of tech infrastructure startups, how open source fuels growth, and why AI i…
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S7E3: Cash Flow Made Simple: How to Find and Grow Your Savings
13:09
13:09
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13:09Disclaimer: The information shared in this episode is for educational and entertainment purposes only and should not be considered financial, legal, or accounting advice. Always consult with a qualified professional regarding your specific financial situation before making decisions. If you’ve ever felt like your cash flow questions are “too basic”…
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Insiders React: Meta to Shrink AI Division – Is This the Beginning of the End?
27:47
27:47
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27:47Is the AI hype cycle about to burst? For months, investors and founders have chased sky-high valuations, billion-dollar hires, and promises of superintelligence, but Meta's drastic plans to cut back its AI division seem to indicate a bleak future for LLMs and AI at large. In this episode, Chris and Yaniv unpack the latest shakeup at Meta, using the…
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Breaking New Treasury Ground: NYCE 2025 Spotlight
15:56
15:56
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15:56In this episode of TreasuryCast, Robin Page (TMI) is joined by TMANY's Seth Marlowe (The Treasury Whisperer) and Tim Hesler (New York University) to preview the 2025 New York Cash Exchange. They discuss the big themes reshaping treasury while spotlighting must-see sessions including Treasury Tank, where fintechs pitch their innovations to expert ju…
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S7E2: KISS: The Simple Secrets to Fixing Cash Problems Fast
15:36
15:36
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15:36If your profit looks strong but your bank account tells a different story, you’re not alone—and this episode is for you. In this installment of the KISS series (Keep It Simple, Stupid), Pam Prior continues answering real finance questions from entrepreneurs who are tired of confusion and overwhelm. She breaks down the hidden traps inside your numbe…
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Treasury Beyond Borders - Gateway to Growth: The Middle East's Evolving Financial Ecosystem
26:54
26:54
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26:54How is the Middle East evolving as a pivotal gateway for global trade and finance? Eleanor Hill (TMI) speaks with HSBC’s Karan Khanna and Hani El Khoury to explore the region’s shifting treasury landscape. Our guests discuss how energy transition strategies are reshaping funding models, the rise in popularity of ESG-linked instruments, growing inte…
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YC Founder’s 13 Timeless Startup Principles: 'Ramen Profitable’ and More
44:14
44:14
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44:14This new era of AI-driven startups has many founders still believing success is about having the perfect product roadmap. The truth, however, is far more counterintuitive. In this episode, Yaniv and Chris dive into timeless lessons from Paul Graham’s legendary essay “Startups in 13 Sentences”. Drawing from Graham’s wisdom and their own experiences,…
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S7E1: Keep It Simple: The Biggest Cash Flow Mistake Entrepreneurs Make (and How to Avoid It)
14:00
14:00
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14:00Disclaimer: The information in this video should not be viewed and is not intended as tax/financial advice. Consult with an expert before making any decisions regarding your finances. Ever wonder why your profit and loss statement says you’re making money, but your bank account tells a different story? That’s the cash flow trap—and in this episode …
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Insiders React: GPT-5 Is ‘Fast Fashion’ For Software + Apple’s $600B Commitment, Altman vs Musk (...Again)
41:37
41:37
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41:37Is AI threatening traditional subscription software models and accelerating competitive turnover? Sam Altman thinks so. In this episode, Chris and Ray discuss OpenAI’s GPT-5 release, and Altman's prediction that AI will enable a “fast fashion” era of SaaS, where applications can be created, deployed, and discarded in rapid cycles. You'll also hear …
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Capital for Founders: Insights From Yaniv’s New Startup Raise
50:59
50:59
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50:59Raising money for your startup isn’t just about pitching but navigating egos, timing, and a flood of contradictory feedback. Why do some founders win over early believers who open every door, while others get stuck in endless “soft nos”? And how do you avoid twisting yourself into a pretzel trying to please every investor you meet? In this episode,…
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Central Banks Hold Steady as Trade Risks Evolve
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6:05Welcome to the latest edition of Liquidity Link Live, your exclusive market analysis provided by Northern Trust Asset Management, one of the world’s largest cash managers. Tune in each month to discover the very latest insights on the UK, Eurozone and US markets. This edition was recorded on the 7th August 2025.…
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