TOPICAL TUESDAYS Webinars

The OWNER'S Dilemma

How To Resolve It...and Gain Peace of Mind!

Available FREE, all week long  *  Exclusively at The Retail Owners Institute  

  • That Ticklish OWNER'S Dilemma

    by ROI Co-FoundersOctober 31, 2025
    ©Copyright, The Retail Owners Institute® and Outcalt & Johnson: Retail Strategists, LLC. All rights reserved.
    5856 Views

All too often, given the seasonality of retail businesses, there simply is not enough cash to fund everything.

Therefore, the Owner must choose:

  • Do I take money out for my household and family? (To remodel the kitchen, or pay for college, or....)
  • Or, do I reinvest that money into the business? (Upgrade computer systems, remodel the store, or....)

And most important, when could I do any of those things?

Pat Johnson and Dick Outcalt, the Co-Founders of The Retail Owners Institute®, have developed an innovative framework for retail owners to resolve this dilemma. 

All on your own, with some candor, some "what if...?" thinking, and a fresh understanding of interdependence.

Pat and Dick present all that in this entertaining Webinar of the Week.

Plus, see how The ROI's 3-in-1 INTEGRATED Calculator empowers you to see in advance how your choices about the business could impact your family's budget. 

Be sure to take advantage. See for yourself why so many retailers have gained so much peace of mind.



The Presenters

Pat Johnson and Dick Outcalt have been called "The Zen masters of retail finance!" "Doctors for retailers." "Amazing!"

The Co-Founders of The Retail Owners Institute®, Pat and Dick are recognized experts in strategic retailing. Working only as a team – Outcalt & Johnson: Retail Strategists, LLC – they have been consulting, publishing, and speaking professionally throughout North America.

They focus exclusively on retail, or wherever retail is involved. They work with CEOs, CFOs, boards and owners of retail operations, as well as manufacturers or wholesalers expanding into retail.

Known as good listeners, their engaging and empowering working style with owners and decision-makers is objective and collaborative, and appreciated for its real world practicality. See Outcalt & Johnson: Retail Strategists and Retail Turnaround Experts to learn more about their in-person professional services.

FYI: There is another 2/3rds of the Institute available only to Members!

See What You're Missing!


The Retail Owners Institute® has been empowering owners since 1999 to "Turn on their financial headlights!"
Our tools and resources are trusted by thousands of independent owners to help grow financially stronger and resilient businesses.