Kathy Cruz is the founder of Savvy Shopkeeper, where she helps independent retailers build stronger, more profitable businesses through practical education, coaching, business tools, and technology. Kathy is known for making complex business topics like cash flow, financial data, and systems easy to understand and immediately actionable. She is the host of The Savvy Shopkeeper Retail Podcast, ranked among the top 1% of podcasts globally, where she helps retailers make confident decisions, improve profitability, and build businesses that support both their goals and their lives.