Todd Brand Strategist
Read how a small business owner like you are switching to Cashflowy.
“I opened my Cashflowy account and immediately saw a $90 charge I didn’t even know I was paying.”
Todd Threats is a brand strategist running Studio T68 in DC, within his first month of using Cashflowy, the platform paid for itself in a single click. Now he’s referring his own clients.
At a glance
$90 found and cancelled in his first month: a subscription Todd didn’t know was still running
2 separate tools Cashflowy replaced for him: FreshBooks (invoicing) and QuickBooks (expenses)
13 years his LLC sat as a pass-through before he started treating it like a real company
$150K–200K revenue target he’s building toward in 2026 (vs. $40 to $50K in 2025)
Multiple clients, he’s already recommended Cashflowy to, unprompted
Meet Todd
Todd Threats is the brand strategist behind Studio T68 in Washington, DC. He works with one-to-three-person service businesses and funded startups, running brand discovery, strategy, identity, and rollout for founders who are ready to stop looking scrappy.
He’s been an LLC since 2009. For most of that time, his company was less of a business and more of a tax structure: a clean way to separate freelance income from personal money while he worked full-time in consulting.
“I never really looked at my part-time consulting as a company, except for the fact it was kind of like a pass-through for tax purposes.”
Around 2022, that started to change. He stopped taking whatever referral work came in and started thinking about Studio T68 as an actual agency with a positioning, packages, a pipeline, and a profit-and-loss statement worth understanding.
Which meant the duct-taped two-tool bookkeeping setup he’d been running for years was no longer enough.
Before Cashflowy: two tools, neither one working
FreshBooks for invoicing
Todd had been using FreshBooks for years. He kept his client information there, tracked time, sent invoices. It worked well enough for the day-to-day.
Where it didn’t work was at tax time.
“When tax time came, FreshBooks didn’t work well for that at all.”
QuickBooks for expenses
Because FreshBooks didn’t play well with TurboTax, Todd opened a second tool. QuickBooks for tracking expenses, since the Intuit connection meant his deductions could flow into his tax return automatically.
On paper, the two-tool stack made sense. In practice, he was paying for two subscriptions and barely using the second one.
“Why am I paying for this QB account that I barely use? It doesn’t work well. It’s not easy to use, not intuitive. So I’m not using it, but I’m paying for it.”
Two tools, two subscriptions, and still no clean answer to the basic question: where is my money actually going?
Then he heard about Cashflowy on a podcast
Todd listens to Pia Silva’s podcast. One episode featured the Founder Heidi DeCoux talking about Cashflowy and the financial habits she teaches small business owners. Todd recognized himself in the audience that the conversation was built for.
“It was actually one of the easiest decisions I’ve ever made. I was like, no, I need Cashflowy. And as soon as I can unwind these other accounts I’m paying for that I’m wasting money on, I’m moving into this.”
The math was simple. If he sunset QuickBooks, the cancelled subscription alone would cover Cashflowy for a year.
He signed up. Connected his accounts. Started moving his first client over from FreshBooks. Two-tool stack collapsing into one.
The $90 moment
A few weeks later, Todd joined Cashflowy’s small business webinar. He hadn’t opened his Cashflowy account in a while, so he decided to pull it up live on the call.
“I pulled it up while we were on the call. Immediately off the top, I saw a $90 charge for a web tool I don’t even use anymore. I immediately contacted them. They cancelled it and refunded my money.”
$90 in a single click, on the very first dashboard view, before the webinar was even over.
And Todd already knows that’s probably just the start.
“I already know if I go through it with a bit more of a fine-tooth comb, I’ll probably find a couple hundred more dollars that are just coming out a year that I’m not really, it’s kind of under the radar.”
This is what most small business owners don’t realize they’re losing: not big charges, just small forgotten subscriptions, abandoned tools, free trials that converted, vendors they stopped using months ago. They add up. And they’re almost invisible until something puts them in front of you.
In Todd’s own words
“Cashflowy was very easy to set up, very easy to use, and it was simple to schedule a call and actually talk to a bookkeeper. The training was incredibly helpful, and the tool felt truly designed for someone like me, a solopreneur.”
“A lot of other tools I’ve looked at are built for much larger businesses and don’t address the real concerns of small business owners or people just starting a business. With Cashflowy, the messaging and the tool itself felt geared directly to me.”
“As tax season approaches, I feel much more confident. I’m in a stronger position to track where my money is going and to set clear financial goals moving forward.”
What else changed
Boss mindset, not employee mindset
Todd has been working on shifting from a freelancer mindset to a business owner mindset. Cashflowy made it easier to draw clean lines between business income, personal pass-through, and savings, including the joint checking account he shares with his wife.
“Cashflowy has been good at helping me differentiate if this money is passing through for something else, or if it is actually part of the business? It’s helping me keep them more separate.”
Sleeping easier
Tax season used to mean scrambling through emails for receipts, parking stubs, hotel listings, and conference registrations. With Cashflowy, the data is already organized. Todd doesn’t have to invent the system anymore.
“I sleep easier now, because having this in place feels like it really helps me have some things in order.”
Already referring clients
Todd works with people who are starting or restructuring their businesses. They ask him for advice on tools all the time.
“People are not exactly sure how to set up their company or do their accounting. So they ask me: you’ve had your own business for a while, what do you do? I’ve actually already recommended Cashflowy to a couple of people.”
He asked to be added to the affiliate program before the Cashflowy team had even offered it.
The takeaway
Todd’s story is the story of every solopreneur running a two-tool, three-tool, four-tool stack and quietly hoping the seams hold until tax day. He had FreshBooks. He had QuickBooks. He was paying for both. Using one halfway, the other barely at all.
Cashflowy replaced both. The cancellation of just one of them paid for the new tool for a year. And within a month of using it, he found another $90 in subscription waste he didn’t know was happening.
For a brand strategist trying to scale from $40K to $200K in a single year, every dollar that stops bleeding is a dollar that goes toward growth. And every hour saved at tax time is an hour pitching the next client.
Todd hit his subscription dragon and slayed it on a webinar. Then he started telling his clients about it.
Find out what your old subscriptions are costing you
Connect your accounts in minutes. See every charge in one view. Cancel what you’re not using before tax season hits.