Acquirers & FIRE Entrepreneurs
Helping aspiring FIRE (Financial Independence, Retire Early) entrepreneurs build freedom through real planning, wise decisions, and business ownership.
Financial Planning
Stewardship
Wealth Management
At 3:23, we work with many individuals and families who want to reach financial independence through side hustles, small business acquisitions, or creative early retirement strategies.
But the road to FIRE gets foggy fast especially when you're eyeing a business purchase. Too many chase the opportunity without clear answers on how to actually finance it (SBA loans? Seller notes? Your own cash stack?) or what the deal will do to your personal finances (your taxes, cash flow, retirement timeline, or family life). We help you slow down, zoom out, and build a plan that's sustainable in the real world. For acquirers, that means running the numbers upfront so you know exactly how the business fits your budget, supports your lifestyle, and accelerates (not derails) your FIRE goals without risky debt overload or hidden surprises. For others, it's optimizing side-hustle cash flow, designing an intentional exit from W-2 life, or turning self-employment into lasting freedom. We blend real-world acquisition experience with integrated financial planning to give you the clarity and confidence to move forward wisely.
What We Offer
Financial Planning & Cashflow Management
You get a clear, integrated view of your business and personal finances, analyzing how they interact so you can confidently fund and support the acquisition without derailing your lifestyle or goals. We map out the real cash flow impacts, tax implications, and how it all fits your retirement timeline so your plan stays grounded, tax-efficient, and aligned with your FIRE vision and family priorities.
Small Business Opportunity Review
Thinking about buying a business or acquiring a franchise? We help you run the numbers, assess risk, and decide whether the opportunity aligns with your values and vision.
Exit Strategy
Whether you’re growing your business for the long haul or eyeing an exit (selling, management buyout, or smooth transition out) you get clear guidance on your business’s true value, smart deal structures that take risks into consideration, and a plan tailored to your FIRE timeline, family priorities, and personal vision so you step away confidently on your terms, without getting fleeced.
Debt Strategy and Capital Stack Planning
We walk through SBA loans, seller notes, and other acquisition financing options with you, clarifying what's smart, what's risky, and what makes sense for your season of life.
Accountability and Decision Support
You're not in this alone. We act as a second pair of eyes to help you stay grounded, avoid hype, and keep building your future one smart step at a time.