In this episode of Default Profitable, host Matt Nettleton sits down with Ed Gunnell, founder of Gunnell Financial, to dig into what it takes to launch a financial firm at the worst possible time—Ed went out on his own in early 2008, just before the market crashed. He shares how he built a holistic, one-stop practice that brings taxes, investments, and insurance under one roof, why his financial-planning background makes him a more proactive tax advisor, and the one early partnership he says he'd undo if he could. Founders and aspiring business owners will walk away with grounded takeaways on landing those first clients, knowing when to bring on help, and why the attorney and the accountant are the two things you never cheap out on. Learn more about Ed Gunnell and Gunnell Financial at https://gunnfin.com. Listen to more Indianapolis Business Leaders at https://defaultprofitable.com or subscribe to Default Profitable on your favorite podcast platform.

In this episode of Default Profitable, host Matt Nettleton sits down with Hunter Beale, Executive Director of High School Hustle, the Indianapolis nonprofit that teaches teenagers to build real businesses—gutter cleaning, car detailing, power washing, thrift flipping—and turn a summer side hustle into something that lasts. Hunter traces his own path from a fifth-grade snow cone stand through the Orr Fellowship and the Jiffy Lube system, then breaks down how the program uses incentives, mentorship, and a gamified leaderboard to push thousands of students past the one thing that stops most people from ever starting: fear. His whole philosophy comes down to two words: action provides information. The kids who get it learn more from knocking a hundred doors than they ever would planning the perfect launch, and founders at any stage will recognize the lesson—stop perfecting the logo, get in front of a customer, and let the work teach you. Whether you're raising a future entrepreneur or just trying to get out of your own way, it's a reminder that a structure and a scoreboard will take you further than waiting for permission. Learn more about Hunter Beale and High School Hustle at https://highschoolhustle.org. Listen to more Indianapolis Business Leaders at https://defaultprofitable.com or subscribe to Default Profitable on your favorite podcast platform.

In this episode of Default Profitable, host Matt Nettleton sits down with Clayton Tomasino, CEO of Scorpion Protective Coatings, a family-owned manufacturer of spray-on truck bed liners and window film based in Cloverdale, Indiana. Clayton shares the company's gritty origin—from a family asbestos-removal business, to his father's low-cost batch-mix coating system built to undercut the steep buy-in of the big bed liner franchises, to his own return from Hawaii in 2007 to "help out" and his takeover of the company by 2010. He walks through how a four-product automotive add-on program eventually narrowed to the one offering with the demand and margins worth building a business on, and how that focus carried Scorpion through 30 years and counting. Listeners will gain grounded lessons on the financial literacy most founders learn the hard way—the gap between net income and actual cash, and how a growing business can still run itself short. Clayton and Matt get into why hitting a revenue milestone can quietly stall a company, why revenue is a lagging indicator rather than a measure of health, how to give your team metrics that aren't just dollars, and the regret that catches a lot of owners off guard: chasing new customers while neglecting the ones they already have. Perfect for bootstrapped founders who'd rather make new mistakes than repeat the same ones. Learn more about Clayton Tomasino and Scorpion Protective Coatings at https://scorpioncoatings.com. Listen to more Indianapolis Business Leaders at https://defaultprofitable.com or subscribe to Default Profitable on your favorite podcast platform.

Jesse Wechter figured out the whole business at eight years old. He was at a Greek festival, his dad wouldn't give him money for food, so he stormed off, grabbed a leaf off the ground by the gate, and sold it to a stranger for twenty bucks. He'd only asked for five. The lesson stuck: people will buy almost anything if you present it the right way. It took him a while to turn that into a company. Jesse came back to Indianapolis after flipping cars in West Hollywood and bartending in Chicago, living with his mom, owing money, and unable to land a job in a brutal hiring market. He had the skills, including email marketing for healthcare and medical device companies and a stretch at Red Bull Media House, but no work. So he started building a logo and pulling leads off Google into an Excel spreadsheet, emailing over a hundred people a day. That became Wechter Media. When Matt runs his standard question, the one about whether you had a strategic plan, six months of savings, and a clear read on what customers would pay, Jesse landed about where most founders do. No savings. A plan that wasn't strategic or detailed. And a customer understanding he had to learn the hard way, after getting stiffed by two clients, one he nearly took to court and another who dumped the contract right before Christmas. The scramble to backfill all of it took about three years. Then came the part a lot of founders recognize: trying to get stable too fast. Jesse hired three salespeople, bought a CRM, fed them 1,250 leads a month, and watched it sink him into a hole because the reps treated salary as the finish line. His takeaway is the difference between what you need and what you want. These days he only buys the thing when it actually makes sense. The advice he keeps circling back to is the stuff nobody teaches you, mostly financial literacy. Running a business is not the same as running a household checkbook, and the IRS does not care how small you are. He pays for a bookkeeper and two CPAs now, and he sleeps fine. It's the same answer Matt hears more than any other when he asks founders what they wish they'd known going in. And if he could sit his 2019 self down before opening the doors, it's one word: focus. Build the frame and the skeleton before the glamour muscles. Do it for yourself, not to impress a table full of friends. Celebrate the wins when you actually land a client, and don't take the big loan and blow it. Learn more about Jesse and Wechter Media at wechtermedia.com.  If you're listening, three things really help: leave a review, hit subscribe, share an episode. If you're a bootstrapped business owner and you want to be on the show, head to defaultprofitable.com. Stay focused, keep working, stay profitable.

What happens when a creative person realizes she's actually in sales? In this episode of the Default Profitable podcast, host Matt Nettleton sits down with Lindsay Bledsoe, owner and senior creative director at Burnbright Creative Company, an Indianapolis-based indie advertising agency she co-founded with Nate Riggs. Lindsay spent 15 years inside other people's ad shops, first in Milwaukee newsrooms and then in Indy cable, before her position was eliminated in April 2025. Three months later she and Nate launched Burnbright. Their mission is simple: keep advertising honest, accessible, and affordable for the small businesses and nonprofits bigger shops walk past. Lindsay's take is that marketing is not a line item, it's a vital investment, and every dollar a small client spends should be treated that way. Have you ever sold a vacuum cleaner door to door without ever asking anyone to buy one? Matt has, and he and Lindsay use it to dig into the part of running a business almost nobody warns you about. Lindsay didn't realize she'd become a full-time salesperson until a few months in. Her take: nobody wants to be sold to, but everyone loves a good ad. The emotional roller coaster surprised her more than the bookkeeping did. Her best advice for anyone about to take the leap: take a breath. You've got this. Learn more about Lindsay Bledsoe and Burnbright Creative Company at https://www.burnbrightcreative.com/. Listen to more Indianapolis Business Leaders at https://defaultprofitable.com or subscribe to Default Profitable on your favorite podcast platform.

Chris Boots was building a custom pantry cabinet at his wife's uncle's shop in 1999 when he looked at the top sitting on the cart and thought it kind of looked like a casket. He'd always wanted his own business. He didn't know what business. That cabinet was the seed. He spent nights on the bed flipping through funeral trade magazines while his wife asked what on earth he was doing. He joined the Casket and Funeral Supply Association — he'd later become its president. He bought a CNC router he didn't know how to operate and was halfway through training in Atlanta before he asked the instructor what the machine actually looked like. Chris walked into the casket industry right as cremation rates climbed from 20% to 70% and the number of casket companies collapsed from hundreds to fifteen. He built CJ Boots Casket Company anyway, going after the high-end Marcellus niche that conglomerate buyouts had cut off from independent funeral homes. Twenty-one years later he sold it, ran it through COVID for the new owners, tried Florida real estate, and landed in commercial insurance after a chance conversation on Lido Beach with a guy who happened to insure the same trade association Chris used to run. His advice for day one of any new business: understand cash flow before anything else. His motto for the rest of it: don't be afraid to go out on a limb, because that's where the fruit is. Learn more about Chris Boots and his commercial insurance practice at https://www.linkedin.com/in/chris-boots-2990735/. Listen to more Indianapolis Business Leaders at https://defaultprofitable.com or subscribe to Default Profitable on your favorite podcast platform.

David Reynolds and his sister Christina Reynolds-Grisby spent more than 25 years at the same electrical contracting company. The plan was always to buy it. They'd consulted with the bank, drawn up the legal work, and lined up the transfer of ownership. The morning the deal was supposed to close in 2023, they walked in and got introduced to the new owners. A private equity firm had bought it out from under them. They decided to start Reynolds Electric standing in the parking lot that same morning. Three years later, they're a residential and light commercial electrical contractor in Indianapolis, an authorized Generac and Kohler dealer, with techs in the field and an office staff behind them. In this conversation, David and Christina get into what 25 years as employees doesn't prepare you for. Picking a business structure. Finding a CPA. Building a brand from scratch. Christina spent six months on the van wrap. Her hair wasn't right, the shoes weren't sitting where she wanted them, the caricature head kept changing size. Her advice for any new founder is progress over perfection. She'll be the first to admit she didn't take it. The takeaway Matt pulls out of the episode comes in two parts. Start it sooner than you think you want to. And if you're negotiating a business takeover with somebody you've trusted for two and a half decades, get it in writing anyway. Learn more about David Reynolds, Christina Reynolds-Grisby, and Reynolds Electric at https://powerbyreynolds.com. Listen to more Indianapolis Business Leaders at https://defaultprofitable.com or subscribe to Default Profitable on your favorite podcast platform.

Will Steck and his sister both started at Winthrop Supply on the same day in 2009, sweeping warehouse floors and loading trucks. Eleven years later, they bought the business from their dad. Winthrop is a fourth-generation Indianapolis plumbing supply company started in 1939, and also happens to be the longest-running Rheem distributor in the country. In this conversation, Will talks about the three years he and his sister spent modernizing the ERP before they owned a single share, the moment their father asked if they were in or if he should find a buyer, and the biggest lesson he'd go back and tell himself: stop trying to clone yourself. Find what your people are good at and let them do that. Learn more about Will Steck and Winthrop Supply at https://www.winthropsupply.com. Listen to more Indianapolis Business Leaders at https://defaultprofitable.com or subscribe to Default Profitable on your favorite podcast platform.

From Travel Turmoil to Aligned Success: Krystal Eicher's Real-Talk Business Journey Dive into this candid conversation on the Default Profitable Podcast as host Matt Nettleton sits down with Krystal Eicher, co-founder of Serendipitous Rebel, to unpack her resilient path from a pandemic-crushed travel business to building a thriving coaching and consulting firm that empowers online entrepreneurs—especially coaches and service providers—to launch with strategy, avoid burnout, and design businesses that truly support their lives. Expect raw lessons on cash flow realities, the coaching vs. consulting divide, why "more" isn't always better, and the power of prioritizing life alignment alongside profitability—perfect for aspiring founders and established leaders craving sustainable growth without the hustle. Listeners will walk away inspired with practical insights on resilience, smart investments in expertise, and redefining success on your own terms. Learn more about Krystal Eicher and Serendipitous Rebel at https://www.linkedin.com/in/krystal-eicher. Listen to more Indianapolis Business Leaders at https://defaultprofitable.com or subscribe to Default Profitable on your favorite podcast platform.

Host Matt Nettleton sits down with Nate Littlewood of Future Ready CFO, a former Wall Street investment banker who built (and exited) his own e-commerce business before becoming the go-to fractional CFO for consumer product and online brands. Nate pulls back the curtain on why so many founders stay in denial or overwhelm when it comes to their finances, how he uses historical numbers to help entrepreneurs confidently plan and scale without burnout, and the mindset shift that separates stressful businesses from predictably profitable ones. Whether you’re an aspiring founder still hunting product-market fit or already running a seven-figure brand, you’ll walk away with clarity on when (and why) to bring in real financial expertise, the critical role of unit economics before scaling, and why doubling down on your actual strengths can be the most impactful decision you make as an entrepreneur. Learn more about Nate Littlewood and Future Ready CFO at https://futurereadycfo.com. Listen to more Indianapolis Business Leaders at https://defaultprofitable.com or subscribe to Default Profitable on your favorite podcast platform. Takeaways Founders often live in financial denial because the numbers tell a different story than the one they want to believe about their mission-driven business. Understanding unit economics and building a basic cash flow forecast is enough financial work for early-stage founders still searching for product-market fit. You cannot finance your way out of a bad product—product-market fit must come before hiring a fractional CFO or heavy financial modeling. Historical financials are the foundation for future planning; clean books today unlock better strategic decisions tomorrow. Many founders struggle most with customer-facing skills like marketing and sales, not the numbers side of the business. Realizing your customers see your “impactful” product as a novelty gift can be demoralizing and signal it’s time to pivot. Every business is either product-push (build it and find buyers) or customer-pull (solve problems for a specific audience)—knowing which you are changes your entire growth playbook. Bringing finances from an afterthought to a strategic co-pilot dramatically reduces founder stress and accelerates profitable growth. Focus on the one or two things you’re exceptionally good at and enjoy; outsource or avoid the rest to create more impact and legacy. Chapters 00:00 Welcome to Default Profitable and Introducing Nate Littlewood 00:46 Nate’s Journey: Wall Street to E-commerce Founder to Fractional CFO 03:05 Why Nate Left High-Finance for Entrepreneurship and Purpose 05:32 Surprises of Running an E-commerce Business Despite Finance Background 08:02 The Demoralizing Moment: Realizing Customers Saw Products as Stocking Stuffers 10:48 Navigating the COVID Boom and Eventual Exit from E-commerce 12:09 The Founder Financial Spectrum: Denial → Overwhelm → Intrigue → Enlightenment 16:00 Using Past Numbers to Shape Future Strategy (Not Just Tax Compliance) 17:27 When to Hire a Fractional CFO – The Product-Market Fit Threshold 21:26 Product-Push vs Customer-Pull: Which Type of Business Are You? 23:58 How to Connect with Nate and Access Free Resources

Ryan Schwartz shares the unfiltered story of building Fenster Components—a niche manufacturer of wood window repair parts and replacement sashes—into a 25-year, nationwide, almost-entirely-online business that helps homeowners avoid costly full-window replacements. From spotting an opportunity in rotting clad-wood windows during his warranty job days, to surviving the 2008 housing crash, selling off service/install sides to focus on manufacturing, and shifting to e-commerce in 2013, Ryan delivers grounded lessons on profitability, perseverance, and why “being good at the work” is very different from running a profitable company. Listeners walk away with clarity on managing cash flow like your life depends on it, adapting to generational shifts in teams, the real weight of being responsible for people’s livelihoods, and why smart financial habits early on matter more than most founders admit. Learn more about Ryan Schwartz and Fenster Components at https://fensterusa.com   Listen to more Indianapolis Business Leaders at https://defaultprofitable.com or subscribe to Default Profitable on your favorite podcast platform. Takeaways Managing people—both employees and difficult customers—remains one of the hardest, never-ending parts of owning a business.   Being skilled at your craft does not automatically mean you will be skilled at running a profitable, sustainable business.   Early financial discipline (living below your means even in good years) is the single biggest regret many long-term founders carry.   Generational differences in what makes employees feel valued have shifted dramatically—today’s teams often want experiences, camaraderie, and flexibility more than traditional perks.   Perseverance through ugly economic storms separates businesses that survive 25 years from those that don’t.   Niche focus combined with solving a painful, underserved problem (expensive full-window replacements) can create lasting competitive advantage with little direct competition.   Transitioning from service/install to pure manufacturing and online sales can unlock scalability and dramatically reduce day-to-day chaos. Owning a business means you are personally responsible for your team’s livelihoods—treat that duty with the seriousness it deserves.   No matter how many hard lessons you learn, the challenges never disappear; they simply change shape over time. Chapters 00:00 Welcome & Podcast Intro   00:34 Meeting Ryan & Quick Personal Background   01:54 Fenster Components – What They Actually Make   04:21 Solving the Rotten Sash Problem for Homeowners   05:14 The Origin Story – From College Entrepreneur to Warranty Wake-Up Call   07:34 Launching in 2000 & Early Window Repair Growth   09:46 Surviving 2008, Buying a Shop, Splitting the Company in 2012   11:38 Going All-In on Manufacturing & Online Sales (2013 Pivot)   14:58 Hardest Ongoing Lesson: Managing People & Generational Shifts   19:29 Blunt Advice for Anyone Thinking About Quitting Their Job to Start a Business   23:52 What 2026 Ryan Would Tell 2001 Ryan the Night Before Launch   27:48 Where to Learn More & Wrap-Up  

In this episode of the Default Profitable Podcast, host Matt Nettleton interviews Thomas Cox, who shares his journey from coaching college football to becoming a successful entrepreneur in the food and finance industries. Thomas discusses the importance of having multiple revenue streams, the concept of infinite banking, and his passion for educating others about personal finance. He emphasizes the significance of giving back and setting financial goals that focus on generosity rather than just income. The conversation also touches on the challenges of the insurance business and the importance of networking and building relationships in achieving success. Learn more about Thomas Cox and Cox Capital at https://www.linkedin.com/in/thomascoxco. Listen to more Indianapolis Business Leaders at https://defaultprofitable.com or subscribe to Default Profitable on your favorite podcast platform. Takeaways Thomas Cox transitioned from coaching college football to entrepreneurship. He emphasizes the need for multiple revenue streams in business. People often lack understanding of personal finance and money management. The concept of infinite banking is crucial for financial growth. Setting giving goals can be more fulfilling than income goals. Networking and building relationships are key to business success. Understanding the logistics of the insurance business is essential. Meeting with clients regularly is vital for success in finance. Inflows and outflows are necessary for a thriving business. Education and resources are important for understanding infinite banking. Chapters 00:00 Introduction to Thomas Cox and His Journey 03:01 Transitioning to Finance and Infinite Banking 06:44 The Importance of Financial Education 10:00 Understanding High W2 Earners and Business Ownership 11:32 Key Strategies for Success in Business 13:39 The Flow of Life: Inflows and Outflows in Business

Join host Matt Nettleton in a candid conversation with Matt Allen, founder of Iconic Insurance, as they unpack essential health insurance strategies for self-employed entrepreneurs and small business owners. Discover why ditching marketplace plans for personalized coverage with a dedicated agent can slash costs, simplify claims, and provide reliable protection—plus, get motivated by Matt's insights on shifting from scarcity to service, building accountability as a solo founder, and why entrepreneurship offers true security for your family. Whether you're launching a venture or optimizing benefits, this episode delivers actionable tips to stay healthy, focused, and profitable. Learn more about Matt Allen and Iconic Insurance at https://www.linkedin.com/in/matthewalleniconichealth. Listen to more Indianapolis Business Leaders at https://defaultprofitable.com or subscribe to Default Profitable on your favorite podcast platform.

In this episode of Default Profitable, host Matt Nettleton chats with Bill Reynolds, founder and president of Element 502, about his unexpected journey from consultant to agency owner through an asset purchase in 2015. Bill shares raw insights on overcoming financial hurdles, earning team buy-in with transparency during tough times, and mastering sales as a non-sales guy—plus why trust is the ultimate currency in marketing and business growth. Aspiring entrepreneurs and leaders will gain motivational strategies for grinding through startup challenges, pricing right, and treating people differently to build lasting profitability without compromising values. Learn more about Bill Reynolds and Element 502 at https://www.linkedin.com/in/bill-reynolds-element502. Listen to more Indianapolis Business Leaders at https://defaultprofitable.com or subscribe to Default Profitable on your favorite podcast platform.

Join host Matt Nettleton as he chats with Kelly Sundsvold, founder of Gold Bear Media, about launching a full-service marketing agency amid the chaos of 2020. From navigating personal health crises like her husband's paralysis and her own breast cancer diagnosis to turning a necessity-driven side gig into a profitable venture, Kelly shares motivational insights on delegation, hiring experts early, and setting boundaries for sustainable growth. Discover how embracing creativity and relationships can transform challenges into opportunities—perfect for entrepreneurs wondering if they can build a business that fuels both passion and profit. Learn more about Kelly Sundsvold and Gold Bear Media at https://www.linkedin.com/in/kellysundsvold. Listen to more Indianapolis Business Leaders at https://defaultprofitable.com or subscribe to Default Profitable on your favorite podcast platform.

Discover how Ron Ladner accidentally launched Shaggy's restaurant chain amid Hurricane Katrina's devastation, transforming a small-town spark of hope into a powerhouse brand focused on employee growth and customer happiness. In this motivational episode, Ron shares entrepreneurial insights on building a resilient business culture, investing in your team for long-term loyalty, and prioritizing revenue even in recessions—perfect for founders and leaders dreaming big about profitable ventures. Tune in to uncover how passion and people-first strategies turned cheeseburgers and beer into sustainable success, and gain actionable tips to elevate your own business journey. Learn more about Ron Ladner, Shaggy's and his new book at https://ronladner.com  Listen to more Indianapolis Business Leaders at https://defaultprofitable.com or subscribe to Default Profitable on your favorite podcast platform.  

In this episode of Default Profitable, host Matt Nettleton sits down with Grant Kirsh, managing partner of Kirsh & Kirsh, P.C. to explore the realities of succeeding in a second-generation family business focused on adoption law in Indiana. Grant shares candid insights on leadership transitions, managing family employees, and balancing delegation with hands-on involvement while keeping a proven firm thriving amid competitive challenges. Founders and aspiring leaders will gain motivational takeaways on building a positive culture, staying in your lane, and discovering fulfillment in unexpected career paths—perfect for making profit your default through smart, sustainable strategies. Learn more about Grant Kirsh and Adoption in Indiana at https://indianaadoption.com Listen to more Indianapolis Business Leaders at https://defaultprofitable.com or subscribe to Default Profitable on your favorite podcast platform.

In this inspiring episode of Default Profitable, host Matt Nettleton chats with Tom Hanley, founder and CEO of Nine13sports, about transforming a life-altering accident into a mission-driven organization that empowers Indianapolis kids through cycling and education. Discover how Tom pivoted from elite cycling to launching a nonprofit that now serves 45,000 students annually, survived the pandemic by innovating into logistics, and grew through community networks and corporate partnerships—offering real-world strategies for aspiring entrepreneurs on resilience, valuing your worth, and turning passion into sustainable impact. Whether you're starting a business or nonprofit, you'll gain motivational insights on bootstrapping, building meaningful relationships, and embracing Indianapolis's unique supportive spirit to create lasting success. Learn more about Tom Hanley and Nine13sports at https://www.linkedin.com/in/thanleyiv.   Listen to more Indianapolis Business Leaders at https://defaultprofitable.com or subscribe to Default Profitable on your favorite podcast platform.

In this episode of the Default Profitable Podcast, host Matt Nettleton sits down with Jesse Porter, founder of Porter Roofing & Restoration, to unpack his pivot from an accounting degree to building a thriving exterior remodeling business in Indianapolis. Hear how Jesse turned five years of roofing sales experience into his own company amid the 2020 COVID storm, tackling hiring hurdles, cash flow crunches, and rapid growth to 30 employees—while sharing candid lessons on quick decision-making and surrounding yourself with the right team. Aspiring entrepreneurs and business leaders: What if one bold leap could transform your career, and how do you adapt when success hits harder than expected? Learn more about Jesse Porter and Porter Roofing & Restoration at https://www.linkedin.com/company/porterroof. Listen to more Indianapolis Business Leaders at https://defaultprofitable.com or subscribe to Default Profitable on your favorite podcast platform.

In this episode of Default Profitable, host Matt Nettleton chats with Matt Hammond, a former corporate lawyer turned trivia entrepreneur. They dive into Hammond's journey from practicing law at a big firm and running political campaigns to launching Hambone's Trivia back in 2012. The conversation covers how a casual weather app game at a downtown Indy bar sparked it all, growing from free beer gigs to a full-scale business with bar trivia, corporate team-building, fundraisers, themed events, and even gamified employee training for major companies. Have you ever wondered what happens when a high-powered attorney trades suits for trivia nights and turns a hobby into a thriving empire? What does it take to scale from solo hosting at dive bars to managing 75 hosts and landing big corporate clients like Eli Lilly and Salesforce? How do you craft questions that spark reason over rote recall, making games memorable and fun for everyone? And ending on a light note, Hammond recalls starting out paid in Coors Lights and buffalo wraps—talk about upgrading to cash without the heartburn. Learn more about Matt Hammond and Hambone's Trivia at https://www.hambonestrivia.com/about  Listen to more Indianapolis Business Leaders at https://defaultprofitable.com or subscribe to Default Profitable on your favorite podcast platform.