Payment Reconciliation
PayPal Bookkeeping: Reconcile Balance, Fees & Withdrawals
PayPal bookkeeping done right: treat PayPal as a bank account, record sales gross, book fees separately, and reconcile transfers so the books tie out.
9 min
Current work
SDO CPA LLC
Bobby Huang is a partner at SDO CPA. He still reconciles real client books and built Growthy from the same review-and-approve work bookkeepers do each week.
Published Articles
PayPal Bookkeeping: Reconcile Balance, Fees & Withdrawals
Bookkeeping With Square: Reconcile Payouts to Gross Sales
Payment Reconciliation
Bookkeeping With Square: Reconcile Payouts to Gross Sales
You ring up $1,200 in sales on Monday. Tuesday morning, $1,167.60 hits your bank account. Where did $32.40 go? Here's how to do Square bookkeeping right.
10 min
Ecommerce Bookkeeping: The Complete Guide
Ecommerce Accounting
Ecommerce Bookkeeping: The Complete Guide
A $18,432 deposit lands in your bank from Shopify. It looks like a great month. It isn't income, and the difference is what ecommerce bookkeeping is really about.
40 min
What Counts as COGS for a SaaS Startup (and Why Your Gross Margin Is Probably Wrong)
Tax Bookkeeping Terms
What Counts as COGS for a SaaS Startup (and Why Your Gross Margin Is Probably Wrong)
An investor looks at your deck and asks one question. "What's in your COGS?" If your answer is "not much," your 90% gross margin is about to shrink in front of the whole room.
8 min
Bank Feed Reconciliation: Why 'Matched' Isn't 'Reconciled'
Tax Bookkeeping Terms
Bank Feed Reconciliation: Why 'Matched' Isn't 'Reconciled'
Every transaction in the feed shows a green checkmark. The client's books still don't tie to the bank statement. Off by $1,240. If you run bank feed reconciliation for 15 or 20 clients, you've hit this exact moment. The feed says done.
8 min
5 Ways Bookkeepers Grow Their Client Base Without Burning Out
Tax Bookkeeping Terms
5 Ways Bookkeepers Grow Their Client Base Without Burning Out
Five concrete ways pro bookkeepers grow without working more nights. Productize intake, tier pricing, niche down, sell advisory, and use AI on coding.
6 min
The Month-End Close Checklist for SaaS Founders: A 7-Step Sequence
SaaS Accounting: A Practitioner's Guide to Revenue Recognition, Deferred Revenue, and the Books Behind the Subscription
The Month-End Close Checklist for SaaS Founders: A 7-Step Sequence
A 7-step month-end close checklist built for SaaS founders. Deferred revenue, MRR roll-forward, prepaid expenses, and accruals, in order.
6 min
Sales Tax Nexus for SaaS Startups: How to Stay Compliant Without Hiring a Tax Team
SaaS Accounting: A Practitioner's Guide to Revenue Recognition, Deferred Revenue, and the Books Behind the Subscription
Sales Tax Nexus for SaaS Startups: How to Stay Compliant Without Hiring a Tax Team
A founder's guide to SaaS sales tax: economic vs physical nexus, post-Wayfair state thresholds, and a 90-day plan to get compliant without hiring a tax team.
7 min
Cash Burn and Runway for Early-Stage SaaS: How to Calculate, Extend, and Survive
Tax Bookkeeping Terms
Cash Burn and Runway for Early-Stage SaaS: How to Calculate, Extend, and Survive
Calculate gross burn, net burn, and runway with a worked example. Pull monthly burn from QBO and Stripe. Three tactics to extend runway by months.
6 min
Restaurant Bookkeeping Software: What Actually Works for Bookkeepers (Not In-House GMs)
Ecommerce Accounting
Restaurant Bookkeeping Software: What Actually Works for Bookkeepers (Not In-House GMs)
Managing 8 restaurant clients? See how Toast, Square, and QBO integrations stack up for external bookkeepers — and what to look for beyond Restaurant365.
12 min
Best Ecommerce Accounting Software (2026): Honest Comparison
Ecommerce Accounting
Best Ecommerce Accounting Software (2026): Honest Comparison
Compare ecommerce accounting software: A2X, Webgility, Xero, Bench, and Growthy. See which tool fits a merchant doing their own books and which fits a bookkeeper with many ecommerce clients.
13 min
Accounting Software for Multiple Clients: What Scales (2026)
Bookkeeper Scaling
Accounting Software for Multiple Clients: What Scales (2026)
Looking for accounting software for multiple clients? Compare QBOA, Double, Karbon and Growthy on cost per client, switching time, and review work.
30 min
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