Richie decides to consult with an accountant, who closely analyses his financial statements.

His accountant notices many of his customers aren’t paying him on time, and he’s using several high-interest credit cards for a lot of his expenses.

She helps him set up better invoicing methods, consolidates his debt, and moves him to a lower-interest credit card. She also works with him to put together guidelines on when, and when not to, use the credit card for work expenses. And she coaches him on how he can manage his money better in the future.