Author: Henry Murphy

When I first started in business, I had one business account.

That was it.

No structure. No strategy. Just vibes.

And honestly, I wish someone would’ve sat me down when I walked into Chase.

I wish the person who opened my account was knowledgeable, or at least gave me a little nudge.

But they didn’t. And I didn’t know what I didn’t know.

So I spent a long time trying to figure it all out.

Money was coming in and going out, but I had no real system. I couldn’t track profit. I couldn’t budget. I couldn’t grow with peace of mind.

That’s why I’m sharing this with you now.

Because if you can get this part right early, it’ll save you stress, confusion, and even regret down the line.

Start with Structure

If you’re serious about building something real, you can’t treat your business like a hustle.

That starts with how you handle your money.

So when it’s time to open your business bank accounts, don’t just wing it.

Set it up right the first time.

Here are the 5 essential accounts I recommend for every entrepreneur:

1. Incoming Deposits

This is your “home base.”

Every client payment, sale, or transfer comes here first. Don’t mix this with anything else.

2. Operating Expenses

This is where your rent, payroll, software, and monthly bills get paid from.

It keeps your spending in one place so you always know what’s going out.

3. Tax Account

Uncle Sam doesn’t miss.

Take your taxes off top and drop them in here as you go.

A good rule of thumb is to set aside 15% of every dollar that comes in.

That way, when tax season hits, you’re ready, and not scrambling.

4. Profit First Account

This one changed the game for me.

It’s how you make sure you pay yourself, and do it consistently.

 Want to go deeper? Read “Profit First” by Mike Michalowicz. That book reshaped how I think about money in business.

5. Ad Spend Account

Marketing can get out of hand real quick.

Having a separate ad account gives you control, you know exactly how much you’re fueling your growth with.

If I could do it all over again, I’d start with this exact structure.

Even if you mess up, at least you’ll mess up inside of a system, one that helps you learn and course-correct faster.

It’s not about being perfect.

It’s about being prepared.

Give yourself a fighting chance to:

• Stay within budget

• Avoid overspending

• Know what’s going where

• And grow with clarity

Structure protects your peace.

Get this part right, and everything else gets easier.

God Bless The Entrepreneur®️

Funny story, well, at least to me.

Imagine a guy sitting at a bus stop with a 17-inch wheel and rim still attached, flat tire and all. Right next to the bus stop, you see his car jacked up. Now, you have to consider a few things here:

Maybe he didn’t have AAA.

Maybe he didn’t have the money to call a tow truck.

But he did have the money to hop on the bus, take the tire to a place like Firestone, get it fixed, and catch the bus back.

That’s a prime example of someone doing what they gotta do.

It ain’t pretty, but it’s progress.

I talk to my clients all the time about this, especially those thinking about scaling their e-commerce brands, but they haven’t even handled the basics like a trademark yet.

And I gotta tell them:

Back it up. Back it up. Back it up.

You can’t skip the foundation.

You say you don’t have the full amount to get the trademark filed?

Fine. But where’s the fund?

Are you putting aside $10? $25? $50?

Because listen,  we all tend to spend money carelessly sometimes.

• That trip to Chick-fil-A three times a week? Easy $80.

• That spontaneous Target run? Easy $100.

And most of the time, we don’t even need those things.

We just want them.

So before you tell yourself you can’t afford to make a move, ask yourself:

Are your priorities in order?

Are you really doing what you gotta do?

Because doing what you gotta do sometimes means choosing the bus over the Uber.

Choosing discipline over convenience.

Choosing legacy over lifestyle, for now.

You don’t need it to be perfect.

You just need to start moving in the right direction.

God Bless The Entrepreneur®️

As an entrepreneur, you should get comfortable with the word maratho, because that’s what this journey is: a marathon race. But it’s not a race built on speed; it’s built on persistence.

Every now and then, when we’re building our skill set and aiming toward a clear goal, it’s easy to get fixated on one thing. But as entrepreneurs, we can’t think like that. We can’t afford to.

Yes, we need to understand how things work in our business—but only enough to do our part until we can bring in someone better at that particular role. That’s where Who Not How by Dr. Benjamin Hardy and Dan Sullivan comes in. They remind us that the real question isn’t “How do I do this?, but “Who can do this better than me?”

It made me think of this one scene in Frasier. Man, I’m laughing just thinking about it. He was trying to learn how to ride a bike for the first time. When you’re learning a new skill, it’s easy to get fixated. Frasier got so locked in on a fire hydrant that he couldn’t even focus on the ride itself. All he had to do was concentrate and ride, but he couldn’t. He was distracted. He made it way harder than it needed to be. He finished the race hours later, long after everyone else had gone home.

And it’s the same thing in business.

Don’t get fixated on tasks.

If you’re currently in that social media phase, give yourself room to grow. Allow yourself grace. And when your business can afford it, bring in someone who can coach or handle that space. Someone who can give you the framework to improve and scale.

But don’t let your fixation on one area keep you from moving on to the next.

You might need to build your email marketing, but you’re so focused on perfecting Instagram posts that email never happens.

You may need to start running ads, but you’re still obsessing over reels.

You end up spending your energy trying to be perfect, and of course, perfection never comes.

I want to encourage you today:

Don’t get fixated.

Just keep going.

When you enter a new area, expect to be bad at it for a while. That’s part of the journey.

Do what you can, grow, and move forward.

That’s how you build momentum and finish your race.

God Bless The Entrepreneur®️

One of the women I’m mentoring said something recently that hit me in the gut, in a good way.

Right after our coaching session, I sent her a 60-day content plan tailored specifically for her brand, her voice, and her goals. It wasn’t just a one-size-fits-all strategy. It was built for her. She felt good about it, she really did. But then she sent me a message and said:

“I don’t know what I’m doing.”

But listen, it wasn’t the kind of “I don’t know what I’m doing” that leads to quitting. It wasn’t defeat. It was the opposite. It was a battle cry.

Here’s what had just happened:

1. She had just bought a high-quality tripod, because she knew she needed to start recording her workouts and nutrition videos.

2. She had invested in herself by paying for the coaching.

3. She realized that the example video I sent her wasn’t something I was going to edit for her. She’d have to do it herself.

She took all that in… and still said, “I don’t know what I’m doing, but I’m doing it anyway.”

That’s courage.

That’s what this journey requires.

She said, “I see it. I see that women need this. I want to show up for them, regardless.”

You see, when we come to the realization that we’re supposed to be doing something, but then keep making excuses not to start, eventually those excuses stop working.

“I don’t know what I’m doing” isn’t a reason to stop. It’s a reminder that you’re at the starting line.

Everybody starts there. Nobody shows up an expert.

You’ve got to move anyway. You’ve got to show up anyway.

That woman is going to change lives, not because she knew everything when she started, but because she started anyway.

And you?

You’ve got too much in you to let fear or uncertainty stop you.

God Bless The Entrepreneur®️

As an entrepreneur, I love anything that makes my job easier, saves me time, and boosts my productivity. If you’re anything like me, you’re not washing the car when you can go through the car wash. You’re not ironing clothes if you can drop them off at the cleaners, and you’re definitely not hand-washing dishes if there’s a dishwasher nearby.

The point I’m screaming here is efficiency , and let’s not forget about intentionality.

If you’re an e-commerce brand owner, you really need to be thinking about how your “why” connects with your brand story, how to define your brand voice, and how to clearly articulate your mission and values.

These things aren’t optional, they drive how people relate to your brand and influence how your audience receives you. They show up in your product descriptions, your social media captions, your email flows, your packaging, everything.

So why not use AI to help shape that communication?

It’s still your story. It’s still your message. It’s still everything God put in your heart to build. You’re just using a tool to help you craft it clearly and execute it consistently.

Use the AI platforms, don’t let them use you.
It’s a tool. A powerful tool. One that can help scale your brand and your business when used with purpose.

Master the tool. Don’t let the tool master you.
Let it sharpen your vision, not strip your voice.

God Bless The Entrepreneur®️

I was checking in on a good friend of mine, Dolly.

If you’ve read any of my blogs, you’ve probably heard me talk about her before. Sometimes we fall out of touch for a bit, but I’ve been trying to get back to at least a weekly check-in. Life moves fast. And it’s easy to let important relationships slip through the cracks.

She hit me back with a message that rocked me to the core. It was a sermon called “Signs of the End,  Part Two” by Phillip Anthony Mitchell from Church 2819.

That message? A straight-up reminder that it all matters.

As believers, we’re not drifting through life aimlessly. We don’t just “hope for the best.”

We are on mission.

Everything we do carries weight.

Our prayers matter.

Our intentions matter.

Our relationships matter.

Our obedience matters.

And listen, when we pray, it matters that we’re praying as saints. The Scripture reminds us that God hears the prayers of the righteous and the repentant. So when you pray for your family, your friends, and your future, He hears you.

That means I should be praying not just for my family now, but for my kids’ kids’ kids. That’s legacy. That’s vision. That’s Kingdom thinking.

As much as I love entrepreneurship, and y’all know I do, that love flows from something deeper.

That’s why my tagline will always be:

“I’m an entrepreneur, but I’m a believer first.”

That calling is what fuels everything I build. It’s why I take it so seriously.

Because it all matters.

We’ve got to care about sin just as much as we care about stewardship.

We’ve got to care about stewardship just as much as we care about community.

And we’ve got to care about community just as much as we care about humility.

It’s all Kingdom.

It’s all connected.

It. All. Matters.

God Bless The Entrepreneur®️

We’ve all heard the term “self-made.”

Self-made millionaire.

Self-made success story.

And to be honest, we love that idea.

It makes us think someone pulled themselves up by their bootstraps and built something from nothing.

They made it happen—no handouts, no shortcuts.

But let’s be real:

Is that even true? Can any of us really do this alone?

When I look at my own journey, I see connection everywhere.

We build networks.

We introduce people to others in our circle.

We get mentored—and we mentor others.

We serve people in the marketplace, and we get served by them too.

This is how we grow.

This is how we build.

This is how we become who we are, in business, in life, and in the Kingdom.

I used to love the idea of being “self-made.”

But now? I see it differently.

Because if I’ve reached any level of success, it’s because somebody helped me get there.

If I scroll on social media and a video from ET Thomas fires me up,

that motivation might push me to write a blog that lifts someone else who’s down.

If I talk to my friend John Gray, and he says,

“Keep building. You’re on the right track. It’s just going to take systems,”

, then that encouragement carries into my next client call.

And that same vibration flows from me,  to them.

That’s how it works.

We rise together.

The hope is that everybody reaches multimillion-dollar status.

That everybody builds a network.

That we recognize we are all connected.

It’s powerful when you can pick up the phone and say,

“Hey, I know someone who can help you with that.”

Because the truth is, none of us are self-made.

Everything we build is born from connection.

Everything we sustain is rooted in community.

So today, I encourage you:

Find someone to serve. And don’t keep count.

Because it’s all connected.

God Bless The Entrepreneur®️

Every day I wake up and ask myself:

What should I learn today?

What book should I be reading?

Where am I right now in my journey, and where am I going next?

See, I’ve been in the building phase for a while, and I love the building phase. It’s exciting.

When I was younger, I was obsessed with creating. I’d come up with idea after idea.

“I’m a creative,” I’d say.

“I can build this. I can launch that.”

And I meant it.

But I was all over the place.

Now I’m more focused.

More strategic.

More intentional.

And I’m sharing this because you need to be focused too, especially if you’re serious about where you’re going.

If you zone in on where you are right now, and where you’re headed next, and surround yourself with the books, podcasts, videos, and mentorship you need for this exact moment, there’s nothing you can’t do.

Let’s say you’re building something great, but you haven’t learned how to sell yet.

And yeah, I get it, some people say, “I don’t like sales.”

But the truth is: there are only two categories in this world, buyers and sellers.

Roughly 95% are buyers and 5% are sellers.

So let me ask you this:

You’re telling me you have a life-changing product,  a service that could help people…

and you’re not learning how to sell?

That’s not a problem of skill. That’s a problem of perspective.

Even if you read one book and get one nugget, that could change everything. Forever.

Maybe you’ve got big goals, but your mindset isn’t aligned with your vision.

Or maybe you started strong, but now your thoughts are spiraling.

Here’s what you have to do:

Shift what you say to yourself.

Every time a negative thought rises up, you need to overwhelm it with truth. With purpose.

Until the positive thoughts are so dominant, they swallow the doubt whole.

That kind of mindset shift doesn’t happen overnight.

It happens daily.

And it starts when you wake up and ask:

What can I learn today?

Where am I going?

What’s next?

Every morning you wake up, take a breath, and open your eyes—you’ve been given another opportunity.

And this kind of thinking?

It’ll carry you far on the journey of entrepreneurship.

God Bless The Entrepreneur®️

Is it possible to be omnipresent?

You guys know I’m a believer and an entrepreneur, so I’ll be honest, I cringed even typing that word into the title. Why? Because only God is omnipresent. He’s the only one who is everywhere at all times, who knows all things, who sees all things. That’s not up for debate.

But in the context of building an online presence, the concept does matter.

When we’re building something, especially in e-commerce, we need to be findable. If someone hears about you or your brand, and they go searching your name on Google or any social platform, you should show up. But that doesn’t happen by accident. It takes intentionality. It takes what I’ll call “omnipresence” for lack of a better word.

You know what I do, I mostly speak to e-commerce brand owners. I help founders go from idea to sustainability, giving them the tools, the insights, and the mentorship to keep showing up.

And yes, I believe it’s all possible.

I believe:
• You should be on every relevant platform you can.
• You should be repurposing your blogs into social media posts.
• You should be telling your story and communicating your brand voice, consistently.

If you have a Shopify store and you own the brand, that means you should:
• Post blogs regularly on your site.
• Repurpose that content into short-form and long-form across Instagram, TikTok, YouTube, Facebook Business Page, Threads, X (Twitter), LinkedIn, and even Snapchat if that’s where your audience hangs out.

When I say “be everywhere,” I really mean it.

That doesn’t mean you need to be on every single platform every single day, but it does mean showing up at least 3–4 times a week. You want people to see your face, hear your voice, understand your story, and know what matters to you.

You need to be findable. Period.

I’m not going to hit you with a long conclusion today, I believe this blog says what it needed to say.

So I’ll leave you with the mantra:

Make moves or make excuses.

God Bless The Entrepreneur®️

So many things run through my mind daily that I have to brain dump, over and over again. One of my best companions for that process? ChatGPT.

The goal is simple: use AI as an assistant, not a crutch. It’s here to make us faster, better, and more efficient, not to rob us of our authenticity.

It’s crazy when you think about it, we all say we want more time. We all say we want to work smarter. And now we have a tool that allows us to do just that.

Every business needs structure, email flows, marketing plans, customer service systems. And yes, you still have to be the one to think about what you want to communicate and how to make it sound like you. But when you talk to AI, you’re not talking to just one assistant.

You’re talking to the equivalent of over a billion minds trained on data, patterns, human behavior, and communication.

That’s right , GPT-4 was trained on hundreds of billions of words across the internet. Think about that.

Let that sink in fam.

See, I have experts I talk to regularly. We go back and forth about ideas, strategies, and concepts. But I also take those conversations and run them through AI. I take my thoughts and run them through AI. Then I do it again and again. That’s how you sharpen ideas. That’s how you get clarity. That’s how you get things done.

This is not the time to shrink back. The marketplace is evolving fast. And if you refuse to adapt, you’ll get left behind—simple as that.

Now, I’m no AI expert. I’m a student. A novice, really. But I’ve been an entrepreneur for over a decade, and I know a tool when I see one. There were so many times I wished I had someone who could just take my scattered thoughts, organize them, and give them back to me in a way that made sense. Now I do. And so do you.

Entrepreneurs, don’t be foolish. Don’t ignore this moment.

I recommend spending at least 30 minutes a day inside the tool. Learn it. Feed it your voice. Train it to understand your tone. And soon you’ll be creating better, faster, and more efficiently than ever before.

This is only the beginning.

God Bless The Entrepreneur®️