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I am a new business owner and find it challenging to interpret my profit and loss statements and balance sheets. I need to gain a better understanding of these key financial documents.
My clients are consistently paying late, which is creating a strain on my cash flow. I need to implement stricter payment terms and follow-up procedures.
I am in my late 40s and realize I haven't saved nearly enough for retirement. I'm worried I won't be able to maintain my current lifestyle when I stop working.