Welcome to your latest edition of the Hustle Handbook—your go-to for smarter, faster, and more rewarding money moves. We know you’re busy, so we’ll keep it short, sharp, and packed with insights that help your business (and your bank account) work harder. Let’s get right to it!
Recent articles
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Retailers Feel the Squeeze as Tariffs Hit Hard
The latest Small Business Optimism Index just dipped to 95.8, with retailers feeling the heat. Tariffs on Chinese goods are driving up costs and tightening inventories—only 10% of retailers plan to hire, which is significantly below the national average. Construction and services are holding steady, but if tariffs stick around, retail’s ripple effects could spread.
Quick win:
If you’re in retail or rely on imports, now’s the time to review your supply chain, keep a close eye on inventory, and—if you have to—consider passing some costs to customers. And remember, with Holdings*, you can move money for free^ and earn up to 3.0% APY† on your reserves while you ride out the storm.
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SMBs Are All-In on AI and Tech
According to a new Verizon survey, nearly 38% of SMBs are putting AI tools to work—from marketing and sales to employee management and cybersecurity. Social media is leading the charge, with 58% of SMBs now on TikTok, using AI-powered content to reach new customers and stand out.
Why it matters:
AI isn’t just for the big guys anymore. SMBs are using automation for scheduling, chatbots, and smart analytics to save time, attract talent, and stay secure. If you haven’t tried AI yet, dip your toes in with marketing automation or AI-driven recruiting.
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Cash Flow: Still the #1 SMB Challenge
The latest Fora Financial report says 54% of small businesses list cash flow management as their top concern for 2025. Even with some optimism about revenue, inflation and rising costs are squeezing margins. Nearly 80% of owners say inflation has hit their business, and a third report it’s a big impact.
Smart moves:
Owners are getting creative:
- 54% are cutting expenses
- 54% are raising prices
- 37% are seeking extra funding
If you’re feeling the pinch, Holdings is here to help—think zero banking fees, high-yield APY, and one platform for all your money moves. Less time juggling, more time growing.
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Thanks for letting us be part of your business journey. Got a win to share, a challenge you’re facing, or a topic you want us to tackle next? Just hit reply—we’re here to help you thrive.
Stay tuned for next week’s Hustle Handbook, packed with more tips and news to help your business grow. Until then, keep hustling smart (and let your money do the same).
Here’s to your next win,
The Holdings Team
Banking that pays you back. Zero fees. Up to 3.0% APY. All-in-one financial tools. Because your hustle deserves better.
*Holdings is a financial technology company and is not a bank. Banking services are provided by i3 Bank, Member FDIC. The Holdings Visa DebitCard is issued by i3 Bank pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted.
^No account or domestic transaction fees. Some foreign transaction fees may apply in limited circumstances. - this disclosure can be in the captionor on the slide that mentions no fees.
† Annual Percentage Yield (APY) is variable and subject to change after account opening. Rate is compounded monthly and credited monthly.