# Your business deserves to know if it's actually profitable

Client sessions, group classes, online programs, and a pile of business expenses buried in one account: Lums shows you your real profit margin every month.

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## Your financial reality

### When everything is in one account, nothing is clear

Business and personal spending mixed together means you can't trust the number in your bank app.

### "Am I actually profitable?"

You're earning from sessions, classes, and online programs, but after protein powder, gear, certifications, and gym fees, are you really ahead?

### "Where did it all go?"

Business expenses buried in your personal account are invisible until tax time. By then, you've already spent more than you realized.

### "What can I write off?"

Equipment, certifications, gym memberships, supplements for resale: the deductions are real, but they disappear without a tracking system.

### "I don't have time for this."

You're managing clients, programming workouts, and running a business. Financial admin shouldn't take hours every month.

## How to use Lums

### Know your real business profit in 5 minutes

Here's how Jordan, who trains 12 clients, teaches two group classes, and sells an online program, tracks profit every month.

1. ### Tag all business expenses
   Flag every deductible business cost, like equipment, certifications, gym membership, and supplements for resale, in one go.
   Ask Lums: "Tag the following as 'business-expense': \[list them\]. Create a rule so GNC, Amazon equipment, and my gym membership are always tagged automatically."

2. ### Tag all business income
   Mark every client payment, Venmo transfer, and Square deposit so you can separate business revenue from personal income.
   Ask Lums: "Tag all Venmo and Square deposits as 'client-income'."

3. ### Ask for your monthly profit summary
   Run the numbers for any month: total business income minus total business expenses gives you your real profit.
   Ask Lums: "What's my business profit margin for March? Show me client-income vs. business-expense totals."

4. ### Prepare for taxes in one query
   At year end, pull every deductible expense from a single tag. No spreadsheet, no reconstruction.
   Ask Lums: "Show me every transaction tagged 'business-expense' from January 1st to December 31st, 2025."

5. ### Track trends over time
   See whether your most profitable months are consistent and which quarters are weakest, so you can plan better.
   Ask Lums: "Which months am I most profitable? Compare my last 4 quarters."

## Questions every trainer should be asking

- "Show me all transactions tagged 'business-expense' in March. What's the total?"
- "What's my business profit margin for this month?"
- "Am I spending more on business expenses this quarter than last?"
- "What percentage of my income goes to business costs?"
- "Which months am I most profitable?"
- "Do I have any subscriptions I'm not using?"
- "How much did I spend on professional certifications this year?"
- "What's my average monthly income from client sessions vs. online programs?"

## Ask your money anything

Connect your bank, start asking questions. No setup, no dashboards, just answers backed by your actual data.